Last Updated: May 6, 2026 · Effective Date: May 6, 2026
Plain-language summary: A2Z Money helps you see your finances in one place by reading data from your linked accounts. We never move money, never give financial advice, and never sell your data. By using the app, you agree to the rules below. The most important things to know: balances and transactions come from third-party providers and may be inaccurate or delayed; we are not responsible for financial decisions you make based on the information we display; and disputes are resolved by individual arbitration in Washington State.
These Terms of Service ("Terms") form a binding agreement between you ("you," "your," "User") and A2Z Ventures LLC, a Washington limited liability company ("A2Z Ventures," "we," "us," "our"), and govern your access to and use of the A2Z Money mobile application, related software, and websites (collectively, the "Service"). By creating an account, signing in, or otherwise using the Service, you agree to these Terms. If you do not agree, do not use the Service.
These Terms incorporate by reference our Privacy Policy, which explains how we collect and use your information.
To use the Service you must:
The Service is not directed to children under 13 and is not designed for users outside the United States. If we learn that you do not meet these requirements, we may suspend or terminate your account.
A2Z Money is a personal finance information tool. It connects to your bank, credit card, and brokerage accounts through licensed third-party data providers (currently Plaid Inc., Teller, and SnapTrade) and displays consolidated information about your balances, transactions, holdings, net worth, spending categories, and progress toward goals you create.
A2Z Money is read-only by design and does not provide financial, investment, tax, or legal advice.
A2Z Ventures is not:
Any number, chart, summary, projection, goal-progress indicator, category breakdown, or other figure displayed in the Service is for informational purposes only. It is not a recommendation to buy, sell, hold, or transfer any asset, and it should not be relied on as the basis for any financial decision. You are solely responsible for verifying the accuracy of information shown in the Service against the official records of your financial institutions before acting on it.
The Service is read-only. We never initiate transfers, payments, trades, withdrawals, or any other movement of funds from or to your accounts. The data providers we use grant us read-only access permissions, and we do not request, hold, or use any credentials or authority that would permit us to move money on your behalf.
You may create an A2Z Money account using an email address and password, or by using Sign in with Apple. You agree to provide accurate, current, and complete information when registering and to keep that information up to date.
You are responsible for safeguarding your password, your Apple ID credentials, and any device on which you are signed in to the Service. You agree to notify us promptly at anurag.gupta@a2z-ventures.com if you suspect any unauthorized access to your account. We are not liable for any loss or damage arising from your failure to safeguard your credentials.
You may not create multiple accounts to evade restrictions or to misrepresent your identity. An A2Z Money account is associated with a single authentication method (password or Apple) at any time; we do not link an Apple-authenticated account with a separate password-authenticated account using the same email.
To use account-linking features, you must authorize one of our data providers (Plaid, Teller, or SnapTrade) to access account data from your financial institutions on your behalf. You authenticate directly with the provider; we never see, store, or have access to your bank or brokerage login credentials. The provider returns an access token to us, which we use to retrieve account data on your behalf in accordance with our Privacy Policy.
Your use of Plaid is governed by Plaid's terms and policies; your use of Teller, by Teller's terms; your use of SnapTrade, by SnapTrade's terms. By linking an account through any of these providers, you also agree to that provider's terms.
Account data shown in the Service is provided by third parties and may be delayed, inaccurate, incomplete, or temporarily unavailable. Common causes include institution outages, multi-factor authentication challenges, expired connections, transaction posting delays, pending vs. settled transaction differences, transaction recategorization, or rate limits at the data provider.
We rely on data as it is provided to us; we do not independently verify it. Always confirm balances, transactions, and holdings directly with your financial institution before making any decision based on them. The Service is not a system of record.
You may disconnect any linked institution from within the Service or via the data provider's portal (e.g., my.plaid.com). Disconnecting will revoke our access and remove the corresponding data from our primary database, subject to the retention practices described in our Privacy Policy.
You agree not to:
Certain features of the Service are available only with a paid subscription ("A2Z Money Pro"). Subscriptions are sold and managed through Apple's App Store under the App Store's terms.
The Service, including all software, designs, text, graphics, logos, icons, screen layouts, category taxonomies, and the A2Z Money and A2Z Ventures names and marks, is owned by A2Z Ventures or its licensors and is protected by U.S. and international copyright, trademark, and other intellectual-property laws. We grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the Service for your personal, non-commercial use, subject to these Terms.
Content you create within the Service (e.g., custom goals, transaction tags, category overrides, notes) ("User Content") remains yours. You grant A2Z Ventures a worldwide, non-exclusive, royalty-free license to host, store, and display User Content solely as needed to operate the Service for you. We do not use User Content to train AI/ML models, do not sell it, and do not share it with advertisers.
If you send us suggestions, ideas, or feedback, you grant us an unrestricted, perpetual, irrevocable, royalty-free license to use them without obligation to you.
If you obtained the Service from Apple's App Store, the following additional terms apply, and these Terms are between you and A2Z Ventures only, not with Apple:
You may stop using the Service at any time. To delete your account, use the in-app deletion option (Settings → Account → Delete account) or email us at anurag.gupta@a2z-ventures.com. Deletion is processed in accordance with our Privacy Policy.
We may suspend or terminate your access to the Service, with or without notice, if we believe in good faith that you have violated these Terms; that your use of the Service is creating a security, legal, or operational risk; that we are required to do so by law or by a third party we depend on (such as a data provider); or that we are discontinuing the Service or a feature of it. We will use commercially reasonable efforts to notify you in advance where practical.
Upon termination, your right to use the Service ends immediately. Sections of these Terms that by their nature should survive termination (including, without limitation, Sections 3.2, 5.3, 8, 11, 12, 13, 14, 15, 16, and 17) will survive.
The Service is provided "as is" and "as available" without warranties of any kind, express or implied, including, without limitation, the implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, and any warranties arising from course of dealing or usage of trade. We do not warrant that the Service will be uninterrupted, secure, or error-free; that defects will be corrected; that the Service or the servers that make it available are free of viruses or other harmful components; or that any data displayed in the Service is accurate, complete, or timely.
You acknowledge that A2Z Ventures does not control your financial institutions, the data providers (Plaid, Teller, SnapTrade), or the markets and instruments to which the displayed data may relate. We make no representations about the security, performance, availability, or reliability of any third-party service.
To the maximum extent permitted by applicable law, in no event will A2Z Ventures, its members, officers, employees, agents, suppliers, or licensors be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including, without limitation, lost profits, lost revenue, lost data, lost opportunities, loss of goodwill, business interruption, or trading or investment losses, arising out of or relating to your use of or inability to use the Service, even if we have been advised of the possibility of such damages.
To the maximum extent permitted by applicable law, A2Z Ventures' total cumulative liability to you for all claims arising out of or relating to the Service or these Terms will not exceed the greater of (a) the total amounts you paid to A2Z Ventures for the Service in the twelve (12) months immediately preceding the event giving rise to the claim or (b) one hundred U.S. dollars ($100).
The limitations in this Section apply to all theories of liability (contract, tort including negligence, strict liability, statute, or otherwise) and survive any failure of an essential remedy. Some jurisdictions do not allow the exclusion or limitation of certain damages; in those jurisdictions, our liability is limited to the maximum extent permitted by law.
You agree to defend, indemnify, and hold harmless A2Z Ventures and its members, officers, employees, agents, suppliers, and licensors from and against any claim, demand, loss, liability, damage, cost, or expense (including reasonable attorneys' fees) arising out of or relating to: (a) your use or misuse of the Service; (b) your violation of these Terms; (c) your violation of any third-party right (including any intellectual-property or privacy right); or (d) any content or information you provide to A2Z Ventures (including User Content).
These Terms and any dispute arising out of or relating to them or the Service are governed by the laws of the State of Washington, U.S.A., excluding its conflict-of-laws rules. Subject to Section 15, any judicial proceeding permitted under these Terms will be brought exclusively in the state or federal courts located in King County, Washington, and you consent to the personal jurisdiction of those courts.
Please read this Section carefully. It limits the way you can seek relief from A2Z Ventures.
Except for the matters described in Section 15.4, any dispute, claim, or controversy arising out of or relating to these Terms or the Service ("Dispute") will be resolved by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect. The arbitration will be conducted in Seattle, Washington, or by remote/telephonic means at the User's election. The arbitrator's decision is final and binding, and judgment may be entered on the award in any court of competent jurisdiction.
You and A2Z Ventures each agree that any Dispute will be resolved on an individual basis only and not as a class, collective, consolidated, or representative action. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding. If this class-action waiver is found to be unenforceable as to any portion of a Dispute, that portion will be severed and litigated in court while the remainder of the Dispute proceeds in arbitration.
You may opt out of this arbitration agreement by sending a written notice to anurag.gupta@a2z-ventures.com within thirty (30) days of first accepting these Terms. Your notice must include your full name, the email associated with your account, and a clear statement that you want to opt out of arbitration. Opting out will not affect any other provision of these Terms.
This arbitration agreement does not apply to: (a) claims for injunctive or equitable relief to protect intellectual-property rights; (b) small-claims-court actions, provided the action remains in that court and is brought on an individual (not class) basis; or (c) claims that may not be subject to pre-dispute arbitration agreements under applicable law.
If you believe content in the Service infringes your copyright, send a notice that complies with 17 U.S.C. § 512(c)(3) to our designated agent at anurag.gupta@a2z-ventures.com with the subject line "DMCA Notice." We may remove allegedly infringing material and terminate the accounts of repeat infringers.
We may modify these Terms from time to time. When we make material changes, we will update the "Last Updated" date and, where appropriate, notify you in the Service or by email. Your continued use of the Service after the effective date of the modified Terms constitutes your acceptance of them. If you do not agree to the modified Terms, you must stop using the Service.
A2Z Ventures LLC
Email: anurag.gupta@a2z-ventures.com
Address: 1955 129th Ave NE, Bellevue, WA 98005, USA