Terms of Service

1. Who we are

Bord is run by Bord LLC, a North Carolina limited liability company. “Bord”, “we”, “us” and “our” mean Bord LLC. “You” means the person using Bord. These terms cover the Bord website at bordmoney.com and bord.money, the Bord iPhone app, and the Bord text-message service.

2. What Bord does

Bord is a personal-finance assistant. You connect your bank, card and brokerage accounts through Plaid, and Bord answers questions about your money by text and in the app. It can also send you a heads-up about your own accounts, like a bill coming up or a subscription that got more expensive.

Bord's replies are written with the help of AI. The figures in them are calculated by our own code from your account data, but the data can be late or incomplete, and AI can get things wrong. Check anything important against your bank or card statement before you act on it.

3. Bord is not a financial adviser

Bord gives you information and general commentary about your own finances. It is not personalized investment, tax, legal or credit advice. Bord LLC is not a registered investment adviser, broker-dealer, tax preparer or law firm, and we don't have a fiduciary duty to you.

Bord won't tell you to buy or sell a particular security, or when to make a particular trade. It may point out trade-offs or explain how something works, but the decisions are yours. For big decisions, talk to a licensed professional.

If a reply ever reads like a personal recommendation to buy, sell or time something, that's a mistake on our end. Please send it to us using the contact details in Section 19 (Contact).

4. Your account

You must be at least 18 years old and live somewhere Bord is offered. Give us accurate information when you sign up and keep it up to date.

Sign-in is handled by Clerk. Keep your login secure. You're responsible for what happens on your account, so tell us right away if you think someone else has gotten into it.

We may roll out access gradually or pause new sign-ups in some places. If your access is paused for an operational reason, your account and data stay as they are until you ask us to delete them.

5. Text messages

Bord only texts you after you send it the first message yourself. Agreeing to texts is never a condition of buying anything. After that, Bord replies to what you send and may text you about your own accounts. How often depends on your accounts and how much you use Bord. Message and data rates may apply.

Reply STOP to any message to stop all texts, or HELP for help. Stopping texts doesn't cancel your subscription or delete your account. Carriers aren't liable for delayed or undelivered messages, and we can't promise every message arrives on time. The full details are on our Messaging Consent page.

6. Payments you start by text

Payment links. If you ask Bord to pay or request money from someone, Bord can text you a link that opens Venmo or Cash App with the person, amount and note filled in. You finish the payment yourself inside that app, under that app's terms. Bord never holds or moves the money, never has your Venmo or Cash App login, and can't see whether the payment went through. Check the person and amount before you confirm.

Bank transfers. Where we offer it, you can choose to send money from your bank by text through Natural (natural.com) and its partner bank, Column N.A. You open that account with Natural, verify your identity with them, and set your own sending limit, under their terms. Bord reads every transfer back to you with the exact amount and recipient, and nothing is sent until you say yes. Bord never holds your money. Natural handles reversals, errors and disputes under its agreement with you.

7. Subscriptions and billing

Bord is a paid subscription. The price, billing period and any free trial are shown to you before you buy. Prices are in U.S. dollars and may include tax.

Where you pay. If you subscribe on the web, Stripe processes the payment. If you subscribe in the iPhone app, Apple processes it, and your Apple ID terms also apply.

Automatic renewal. Your subscription renews automatically at the end of each billing period, at the price you were shown, until you cancel. If you start a free trial, you'll be charged when it ends unless you cancel before then.

Cancelling. On the web, cancel anytime from Settings → Membership. For an App Store subscription, cancel in your Apple ID subscription settings (Settings → Membership in the app takes you there). You keep access until the end of the period you already paid for, and you won't be charged again.

Refunds. For web subscriptions, email us and we'll handle it as described on our Promises page. App Store purchases are refunded by Apple under Apple's policies, so request those at reportaproblem.apple.com. If you dispute a charge with your bank, we may pause your subscription while the dispute is open.

Price changes. If we raise the price of your subscription, we'll tell you in the app or by text at least 14 days before it applies to you. You can cancel before then to avoid the new price.

8. Your data

Our Privacy Policy explains what we collect, how we use it, who we share it with and how to delete it. It's part of these terms.

When you connect an account through Plaid, Plaid's own end-user privacy policy also applies. You can disconnect any account from Settings at any time. Connecting Gmail is optional and works the same way: you can remove it from Connections whenever you like.

You own the information you give us. You let us use it only to run Bord for you, as the Privacy Policy describes. We don't sell your data, and we don't use it to train AI models.

9. Using Bord fairly

Please don't: copy, reverse-engineer or try to extract Bord's prompts, code or settings; scrape or harvest the service; use Bord to build a competing product; get around rate limits, sign-in or other security; pretend to be someone else; use Bord for anything illegal; or send content that is illegal, abusive or infringes someone else's rights.

If you seriously break these rules, we may suspend or close your account without a refund for the rest of the paid period. For smaller issues, we'll usually reach out first.

10. Ownership

Bord's software, design, name and logo belong to us. While your account is active, we give you a personal, non-exclusive, non-transferable license to use Bord for yourself.

You're welcome to screenshot and share Bord's replies for personal, non-commercial use. Please don't republish them commercially or use them to train other AI models.

11. Other companies' services

Bord relies on other companies to work, including Plaid, Apple, Stripe, Clerk, our messaging carriers and our AI providers. If you use Venmo, Cash App, Natural or Gmail with Bord, their terms apply too. We aren't responsible for their services, and outages on their side can affect Bord.

12. Changes to Bord

We're always improving Bord, so features may change, be added or be removed. Bord may sometimes be slow or unavailable, and we don't guarantee any particular uptime. We'll give notice of planned downtime when we can.

If a change takes away a major part of what you're paying for, you can cancel and we'll refund the unused part of your current billing period.

13. Disclaimers

TO THE FULLEST EXTENT ALLOWED BY LAW, BORD IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT AND ACCURACY. WE DON'T PROMISE THAT BORD'S REPLIES WILL BE CORRECT, COMPLETE, CURRENT OR RIGHT FOR YOUR SITUATION. NOTHING IN BORD IS INVESTMENT, TAX, LEGAL OR OTHER PROFESSIONAL ADVICE.

14. Limits on our liability

TO THE FULLEST EXTENT ALLOWED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM RELATED TO BORD IS LIMITED TO THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE EVENT THAT CAUSED IT. WE AREN'T LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, REVENUE OR DATA, EVEN IF WE WERE TOLD THEY WERE POSSIBLE.

Some places don't allow these limits. If you live in one of them, the limits apply only as far as your local law allows.

15. Ending your account

You can delete your account anytime from Settings, or by contacting us. We may suspend or close your account if you seriously break these terms, don't pay, or if we stop offering Bord. When your account ends, your access stops and we delete your data as described in the Privacy Policy. The sections on ownership, disclaimers, liability and disputes still apply afterward.

16. Disputes

North Carolina law governs these terms, without regard to its conflict-of-law rules. Any court case about them will be heard in the state or federal courts located in North Carolina, and you and we both agree to those courts' jurisdiction.

Before starting a formal case, please contact us first and give us 30 days to try to sort it out. Most problems get solved this way.

17. If you got Bord from the App Store

These terms are between you and Bord LLC, not Apple. Apple isn't responsible for the Bord app or its content, and has no obligation to provide maintenance or support for it.

If the app fails to meet a warranty that applies to it, you can notify Apple, and Apple will refund the price you paid for the app, if any. Beyond that, and to the fullest extent the law allows, Apple has no other warranty obligation for the app.

Apple isn't responsible for any claims about the app, including product liability claims, claims that it fails to meet a legal or regulatory requirement, consumer protection or privacy claims, or claims that it infringes someone else's intellectual property. We, not Apple, are responsible for investigating and handling those claims.

You confirm that you aren't located in a country subject to a U.S. government embargo or designated as a “terrorist supporting” country, and that you aren't on any U.S. government list of prohibited or restricted parties.

Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them against you.

18. Changes to these terms

If we update these terms, we'll post the new version here and change the date at the top. For important changes, we'll also let you know in the app or by text before they take effect. If you keep using Bord after that, you're agreeing to the new terms. If you don't agree, you can cancel before they take effect and you won't be charged under them.

19. Contact

Questions, refund requests, security reports and legal notices go to help@bord.money. A real person reads every message.