Terms of Service

These Terms of Service ("Terms") form a legally binding agreement between you ("you", "the user") and Clove AI ("Clove", "we", "us", "our") governing your access to and use of the Clove AI website, web application, mobile experience, and all related services (collectively, the "Service").

By creating an account, clicking "I agree", or otherwise accessing or using the Service, you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy. If you do not agree, you must not use the Service.

You must be at least 16 years old (or the age of digital consent in your jurisdiction, whichever is higher) to use the Service. If you use the Service on behalf of a company or other legal entity, you represent that you have authority to bind that entity to these Terms.

Clove AI is an AI-assisted personal and business expense tracking tool. You describe what you spent or received in plain language; the Service uses AI models to extract the amount, category, date, currency, and tags, and presents dashboards, budgets, reports, and insights based on your data.

AI-generated categorizations and insights are estimates and may contain errors. The Service is an organizational tool only — it is not an accounting, bookkeeping, tax, investment, or financial advisory service, and nothing in the Service constitutes professional financial advice. Always verify important figures independently and consult a qualified professional for tax or financial decisions.

You must provide accurate registration information and keep it up to date. You are responsible for safeguarding your login credentials and for all activity occurring under your account. Notify us immediately at support@clove.360framed.com if you suspect unauthorized access.

We may suspend or terminate accounts that violate these Terms, are used fraudulently, or pose a security risk to the Service or other users. You may delete your account at any time from Settings or by contacting us.

The Service is offered in the following plans. All prices are in US dollars (USD) and are per month unless stated otherwise:

• Basic — $0 forever. Includes unlimited manual expense logging, up to 12 AI natural-language parses per day, up to 10 AI chat messages per day, 7 auto-categories, a monthly summary dashboard, 3 budgets, 3 months of history, multi-currency, and mobile + web access.

• Pro — $5.99/month, with a 3-day free trial. Everything in Basic plus unlimited AI parsing and unlimited AI chat, a more capable AI model, unlimited budgets and full transaction history, recurring expense detection, a weekly AI insight digest, custom tags, CSV and JSON export, priority support, and early access to new features.

Manual expense entry (typing your own expenses without AI) is unlimited on every plan, including Basic. Only AI features — natural-language parsing and AI chat — are metered on the Basic plan, and those allowances reset daily.

Longer billing commitments receive a discount on the monthly price: 3-month billing −5%, 6-month billing −7%, and yearly billing −9%. The discounted total for the full period is shown at checkout before you pay.

We may change prices or plan features with at least 30 days' advance notice by email or in-app notice. Price changes take effect at your next renewal; they never apply retroactively to a period you have already paid for.

Paid plans are billed in advance for the selected period (monthly, 3-month, 6-month, or yearly) and renew automatically at the end of each period unless cancelled. Payment processing is handled by our payment processor; we do not store your full card details on our servers.

You may cancel at any time from Settings. Cancellation takes effect at the end of the current paid period — you keep paid features until then. We do not provide refunds or credits for partial billing periods, except where required by applicable consumer law.

If a renewal payment fails, we will retry and notify you. If payment is not received within 14 days, your account is downgraded to the Basic plan. Your data is retained, but the features and limits of the Basic plan apply (including the daily AI parse and chat limits; manual expense entry remains unlimited).

The Personal Free plan is available at no cost with no time limit. To keep the Service sustainable, free accounts are subject to fair-use limits (including the transaction limit and AI parsing quotas) which we may adjust with 30 days' notice.

We reserve the right to reclaim or deactivate free accounts that have been inactive for more than 24 consecutive months, after at least two email warnings.

You retain full ownership of all data you submit to the Service ("User Data"). You grant us a limited, worldwide, non-exclusive licence to host, process, transmit, and display User Data solely to operate, secure, and improve the Service for you.

We do not sell User Data. We do not use the contents of your expenses to train generalized AI models. You can export your data (CSV/JSON) and request complete deletion at any time; deletion requests are honoured within 30 days as described in the Privacy Policy.

You agree not to: (a) use the Service for any unlawful purpose, including money laundering or financing of illegal activity; (b) store another person's financial data without their lawful consent; (c) probe, scan, or test the vulnerability of our systems, or breach or circumvent any security or authentication measures; (d) reverse-engineer, decompile, or attempt to extract source code or models; (e) access the Service by automated means (bots, scrapers) other than our documented API; (f) resell, sublicense, or provide the Service to third parties as a service bureau; (g) interfere with other users' use of the Service, including by imposing an unreasonable load on our infrastructure; or (h) upload malicious code.

API access (Business Max and Enterprise) is subject to published rate limits. We may throttle or revoke API keys that exceed limits or are used abusively.

The Service, including its software, design, logos, and content (excluding User Data), is owned by Clove AI and protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable licence to use the Service in accordance with these Terms. No other rights are granted.

Feedback you voluntarily send us may be used to improve the Service without obligation or compensation.

The Service relies on third-party providers — including cloud hosting and database infrastructure, AI model providers for natural-language parsing, and payment processors for billing. Their processing of your data is described in our Privacy Policy. We are not responsible for third-party services we do not control, but we choose providers with appropriate security and data-protection commitments.

We aim for high availability but the Service is provided without a guaranteed uptime level except where an SLA is agreed in an Enterprise contract. We may perform scheduled maintenance with reasonable notice and emergency maintenance without notice.

Support is provided by email. Paid plans receive priority handling; Business Max targets a first response within 4 business hours.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT AI OUTPUT WILL BE ACCURATE, THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT DEFECTS WILL BE CORRECTED.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CLOVE AI SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, OR BUSINESS INTERRUPTION, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE — INCLUDING FINANCIAL DECISIONS MADE IN RELIANCE ON APP DATA OR AI OUTPUT.

OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS IN ANY 12-MONTH PERIOD SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US FOR THE SERVICE IN THAT PERIOD, OR (B) USD $50. SOME JURISDICTIONS DO NOT ALLOW CERTAIN LIMITATIONS, SO PARTS OF THIS SECTION MAY NOT APPLY TO YOU.

You agree to indemnify and hold harmless Clove AI and its officers, employees, and agents from any claims, damages, and expenses (including reasonable legal fees) arising from your violation of these Terms or your misuse of the Service.

You may stop using the Service and delete your account at any time. We may suspend or terminate your access immediately for material breach of these Terms, fraud, or security risk, and otherwise with 30 days' notice. Upon termination, your right to use the Service ceases; Sections 7, 9, and 12–17 survive termination. After account deletion, your data is removed in accordance with the Privacy Policy.

We may update these Terms from time to time. For material changes, we will give at least 30 days' notice by email or prominent in-app notice before the changes take effect. Continued use of the Service after the effective date constitutes acceptance. If you do not agree to the changes, stop using the Service and cancel before they take effect.

These Terms are governed by the laws of the jurisdiction in which Clove AI is established, without regard to conflict-of-law rules. Before bringing any formal claim, you agree to contact us at support@clove.360framed.com and attempt to resolve the dispute informally for at least 30 days. Nothing in these Terms limits any mandatory consumer rights you have under local law.

Questions about these Terms? Email us at support@clove.360framed.com or visit our Contact page.