Filoah Terms of Service

Last Updated: November 3, 2026 (America/New_York)

Effective: November 3, 2026 (America/New_York)

Version: v2026.11.01

Operator: Filoah LLC, a New York limited liability company (“Filoah,” “we,” “us,” or “our”), with its office at 11 Charles W Briggs Road, Croton-on-Hudson, NY 10520 (Westchester County).

Change of operator. Before October 14, 2026, the Service was operated by an individual doing business as Filoah. From that date, Filoah LLC operates the Service, is the party to these Terms, and is responsible for the account data and other data held for the Service before that date. Filoah LLC’s limited-liability protection applies only from that date. It does not apply retroactively to anything that happened before it.

Contact: support@filoah.com

Sites covered: Filoah marketing and application surfaces, including https://filoah.com, https://www.filoah.com, https://app.filoah.com, and related hosts (collectively, the “Service”). Related development or staging hosts may also be covered when you use them.

1. Acceptance of these Terms

By accessing or using the Service, creating an account, or clicking to accept these Terms, you agree to be bound by this Terms of Service and our Privacy Policy (together, this “Agreement”). If you do not agree, do not use the Service.

When the Service asks you to confirm that you agree to this Agreement, the Service does not open for you until you do. That is another way of agreeing. It does not replace the ways above. Section 4 says when the Service asks. Privacy Policy Section 2.1 says what Filoah keeps when you confirm.

If you use the Service on behalf of an organization, you represent that you have authority to bind that organization, and “you” includes that organization.

2. Eligibility

The Service is intended only for individuals who are 18 years of age or older and who can form a binding contract under applicable law. By using the Service, you represent that you meet these requirements. We do not knowingly offer the Service to children.

The Service is designed primarily for users in the United States. If you access the Service from elsewhere, you do so at your own initiative and are responsible for compliance with local law.

3. Description of the Service

Filoah provides DIY personal-finance planning tools, including features that help you explore cashflow, net worth, and retirement or related “what-if” scenarios using information you enter. Some tools, such as the Retirement Stress Test, also use historical market and economic data from public sources, including Robert J. Shiller’s online data, the Federal Reserve Board, and the U.S. Bureau of Labor Statistics.

Important product facts:

You supply planning inputs (for example income, expenses, assets, goals, and assumptions). Filoah does not currently require bank, brokerage, or account linking to use core planning features, and we do not move money on your behalf.
Outputs, projections, charts, and scenarios are hypothetical and illustrative. They depend on your inputs and assumptions (and, for tools that use it, on the historical market data they use) and are not guarantees, predictions, or assurances of future results. Actual results will differ, potentially materially.
Optional plan chat features may use artificial intelligence (see Section 6) to help you interact with your plan. AI outputs remain educational and illustrative only.

We may add, change, or discontinue features. We will try to give reasonable notice of material changes when practical.

4. Accounts and security

You may need an account to use certain features. Account authentication is provided through Amazon Cognito (or a successor auth provider we designate).

Agreeing in the app. The first time you use the Filoah app after this section takes effect (and the first time you sign in, for a new account), the app asks you to read a short summary and confirm that you agree to the Terms of Service and the Privacy Policy. It asks again after a change that matters (Section 16). This applies to every account, however it was made, including an account we create for you from an invitation. Until you confirm, the app does not open your plans or Filoah Chat. Without confirming, you can still read the Terms, the Privacy Policy, and the Cookie notice, sign out, or ask us by email to delete your account. The agreement screen has a link to our email address for this. If you choose “I do not agree,” we sign you out and keep no record of that answer. Your account stays until you delete it. Our MCP tools do not let an app agree for you (Section 6).

You agree to:

Provide accurate registration information and keep it updated;
Keep credentials confidential and use strong authentication practices available to you;
Notify us promptly at support@filoah.com if you suspect unauthorized access; and
Accept responsibility for activity that occurs under your account, except to the extent caused by our failure to implement reasonable security measures.

We may suspend or terminate accounts that appear compromised, abusive, or in violation of this Agreement.

5. Acceptable use

You agree not to:

Use the Service for any unlawful purpose or in violation of these Terms;
Attempt to gain unauthorized access to the Service, other accounts, or our systems;
Probe, scan, or test vulnerability of the Service except with our prior written permission;
Interfere with or disrupt the Service, including by imposing unreasonable load;
Upload malware, scrape the Service with automated means in a way that harms availability, or reverse engineer the Service except to the limited extent allowed by law;
Misrepresent your identity or affiliation;
Use the Service to build a competing product by systematically copying our interfaces, models, or content; or
Submit content you do not have the right to submit, including personal information about others without appropriate authority or consent.

We may investigate and take action, including suspension or termination, for violations.

6. No investment, tax, or legal advice; no fiduciary relationship; assumption of risk

THE SERVICE IS FOR EDUCATIONAL AND INFORMATIONAL PLANNING PURPOSES ONLY.

Without limiting the foregoing:

Filoah LLC is not a registered investment adviser (RIA), broker-dealer, bank, credit union, insurance company, tax preparer, law firm, or financial planner for hire, unless we expressly state otherwise in a separate written agreement that has been reviewed for regulatory compliance.
We do not provide personalized investment advice, tax advice, or legal advice through the Service.
We are not your fiduciary.
Nothing in the Service is a recommendation to buy, sell, hold, or otherwise deal in any security, cryptocurrency, insurance product, loan, or other financial product. We do not make securities recommendations.
Projections, scenarios, charts, and AI outputs are hypothetical and educational only. They are not guarantees of returns, income, tax outcomes, Social Security benefits, or any other result.
You are solely responsible for your financial decisions. You should consult qualified professionals who owe you appropriate duties before making significant financial, investment, tax, or legal decisions.

Assumption of risk; no reliance. You acknowledge and agree that:

You assume the risk of any financial, investment, tax, or legal decisions you make, including decisions informed in whole or in part by the Service.
You will not rely solely on the Service, its projections, scenarios, charts, or AI outputs for investment, tax, legal, or other material decisions.
To the maximum extent permitted by law, you release Filoah LLC and its members, managers, employees, contractors, and agents, from claims arising from losses you incur because you relied on projections, scenarios, charts, plan-chat responses, or other Service outputs, except to the extent such a release is prohibited by applicable law (we do not ask you to waive rights that cannot lawfully be waived).

AI / plan chat. If you use plan chat (called Filoah Chat in the app) or similar AI-assisted features, responses may be generated or assisted by third-party AI services (currently Anthropic Claude models reached through OpenRouter, and Amazon Bedrock, which may use models such as Amazon Nova Lite and, when enabled, Anthropic models). Plan chat sent earlier through OpenRouter was handled by OpenAI. AI responses can be incomplete, incorrect, or misleading. Do not treat AI output as advice. Human judgment is required. AI chat is educational only. We do not use plan-chat content to train public foundation models for unrelated third parties. When you use plan chat, we send your messages to those AI services, together with what plan chat reads from your plans and Current Finances. That can be everything you entered there, including the names, notes, and amounts you type, whoever they are about, except what Privacy Policy Section 2.3 says plan chat does not send. By agreeing to this Agreement, you agree to that. We store your plan chat history, and Filoah staff can read it. See Privacy Policy Sections 2.3, 4.6, 6, and 10 for how plan chat is stored, used, shared with AI services, and deleted. Separately, Filoah staff may use Claude, an AI assistant made by Anthropic, to help with support email, to find and fix problems, to learn how people use Filoah, to improve Filoah, and to plan how we tell people about Filoah (our marketing), and it can read your data when we do that. Our account setting does not let Anthropic train its models on those sessions, except for a session its safety systems flag. Filoah staff may also use Grok Bot, an AI agent made by Cursor that runs on models from xAI, in the same way. Privacy Mode is a Cursor setting that keeps data out of training. Our Cursor account has it on, and Cursor says that with it on, it and the model providers it uses, including xAI, do not use those sessions to train models. See Privacy Policy Sections 2.7, 4.6, and 6.

AI apps you connect. If you connect your own AI app to Filoah through our MCP server (Privacy Policy Section 4.5), this Section 6 applies to everything our tools return to that app and to anything the app tells you about your plan. What our tools return can include the names, notes, and amounts you type in your plans and Current Finances. Our tools ask the app’s AI model to explain and not to give advice, but that is a request, not a control, and Filoah does not control what the app says or does. Our MCP tools do not let an app agree for you, and our servers refuse requests from a connected app to read or save your plans and Filoah Chat until you have agreed in Filoah. An app that holds your sign-in can do what you can do, including send the request that records your agreement, so connect only an app you trust.

7. User content and license to operate the Service

“User Content” means information you submit to the Service, including account details, planning inputs, notes, and plan-chat messages.

You retain ownership of your User Content. You grant Filoah a worldwide, non-exclusive, royalty-free license to host, store, process, transmit, display, and create derivative works of User Content solely as needed to provide, secure, maintain, and improve the Service (including generating projections and AI-assisted responses you request, which means sending User Content to the AI services that run plan chat, as Section 6 says), and to comply with law.

You represent that you have the rights needed to submit User Content and that doing so does not violate others’ rights or applicable law. You are responsible for the accuracy of planning inputs you provide.

If you submit feedback or suggestions, you grant Filoah a perpetual, irrevocable, royalty-free license to use that feedback without obligation to you.

8. Intellectual property

The Service (including software, design, text, graphics, logos, and trademarks) is owned by Filoah LLC or its licensors and is protected by intellectual property laws. That does not include third-party market and economic data (Section 10), which belongs to its sources. Any terms of those sources apply to it. This Agreement does not change who owns it, and it gives you no rights in it. Except for the limited right to access and use the Service as permitted by this Agreement, no rights are granted to you.

You may not copy, modify, distribute, sell, lease, or create derivative works of the Service except as expressly allowed in writing or by mandatory law.

9. Subscriptions, fees, and trials

Some features may be free; others may require payment. Fees, billing intervals, trials, and cancellation terms will be presented at the time of purchase or on our pricing page.

Unless we state otherwise at purchase:

Paid subscriptions renew automatically at the then-current price until you cancel;
You authorize us (or our payment processor, when designated) to charge your payment method;
Taxes may apply;
Cancellation generally takes effect at the end of the then-current billing period; and
Refunds, if any, are as stated at purchase or required by law.

We have not launched paid plans yet. Before we do, we will name our payment processor and post the refund and renewal terms that apply.

10. Third-party services

The Service relies on infrastructure and processors such as Amazon Web Services (including Cognito, AppSync, Lambda, DynamoDB, S3, Bedrock, and SES) and Cloudflare (Workers hosting, Email Routing, and Workers Analytics Engine). For plan chat, we also use OpenRouter, which sends your chat, with the plan data plan chat reads (Privacy Policy Section 2.3), to Anthropic (the Claude models) to write the reply, and Amazon Bedrock models such as Amazon Nova Lite and, when enabled, Anthropic models. Plan chat sent earlier through OpenRouter went to OpenAI. The Privacy Policy explains how these providers handle plan chat.

Market and economic data. Some tools use historical market and economic data from public sources that Filoah does not own, such as the sources named in Section 3. That data belongs to its sources, and any terms of those sources apply to it. Where a tool uses it, the tool names the source. We do not control that data. A source can correct or revise it, and it can have gaps or errors. We provide it “as is” (Section 12) and do not promise that it is complete, accurate, or current. Past results do not predict future results.

If you connect an AI app you choose to your Filoah account through our MCP server, that app and the company that runs it are not part of the Service, and Filoah does not choose or control them. Their own terms and privacy policy apply to that app and to the data our tools send it. Changes the app saves to your Filoah data count as activity under your account (Section 4). See Privacy Policy Section 4.5.

For support email, we use Gmail, which Google runs. Filoah staff also use Claude, an AI assistant made by Anthropic, to help read and answer support email and to find and fix problems in the Service. When we do that, Claude can read the data we store about you. Filoah staff may also use Grok Bot, an AI agent made by Cursor that runs on models from xAI, in the same way, and it can read the same data. Filoah staff may also use Claude and Grok Bot to read that data to learn how people use Filoah, to improve Filoah, and to plan how we tell people about Filoah (our marketing). The Privacy Policy explains this in Sections 2.7, 4.1, 4.6, and 6.

Google Analytics 4 (measurement only). On our production sites (https://filoah.com, https://www.filoah.com, and https://app.filoah.com) only, we use Google Analytics 4 for measurement. The Google tag loads only after you accept on the cookie banner (Accept all, or Analytics turned On in Cookie choices and saved). Reject all is as easy as Accept all, and choosing it loads no Google script. You can change your choice at any time with Cookie choices. We do not load that property on development or staging hosts (including workers.dev and app-dev). Admin hosts do not get the Google Analytics tag or the cookie banner. We do not connect a Google ads account, enable remarketing, or enable Google signals. The event allowlist, the data we never send to Google, and the first-party choice cookie on .filoah.com (shared by filoah.com, www.filoah.com, and app.filoah.com) are described in the Privacy Policy and the Cookie notice.

The Service may also link to third-party sites. We are not responsible for third-party sites’ content, terms, or practices. Your use of third-party services may be subject to their terms.

11. Privacy

Our collection and use of personal information is described in the Privacy Policy, including cookies and Google Analytics 4 measurement. Our Cookie notice describes the banner and Cookie choices (the Google tag loads only after you accept, Reject all loads no Google script, and you can change your choice at any time). By using the Service, you acknowledge those policies. When we change the Terms of Service or the Privacy Policy in a way that matters, we ask you to agree again before you continue (Section 16).

12. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” FILOAH LLC AND ITS MEMBERS, MANAGERS, EMPLOYEES, CONTRACTORS, AND AGENTS DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR THAT PROJECTIONS, SCENARIOS, CHARTS, OR AI OUTPUTS WILL BE ACCURATE OR RELIABLE.

13. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FILOAH LLC AND ITS MEMBERS, MANAGERS, EMPLOYEES, CONTRACTORS, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, OR ANY TRADING LOSSES, INVESTMENT LOSSES, TAX LIABILITIES, OR OPPORTUNITY COSTS, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE OR RELIANCE ON ANY OUTPUTS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL AGGREGATE LIABILITY OF FILOAH LLC AND ITS MEMBERS, MANAGERS, EMPLOYEES, CONTRACTORS, AND AGENTS, FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICE OR THIS AGREEMENT (WHETHER IN CONTRACT, TORT, OR OTHERWISE), WILL NOT EXCEED THE LESSER OF: (A) THE AMOUNTS YOU PAID TO FILOAH LLC FOR THE SERVICE IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO LIABILITY; OR (B) FIFTY U.S. DOLLARS (US $50). THIS CAP APPLIES IN THE AGGREGATE TO ALL CLAIMS COMBINED, NOT PER CLAIM.

Some jurisdictions do not allow certain limitations; in those cases, our liability is limited to the fullest extent permitted.

14. Indemnity

You will defend, indemnify, and hold harmless Filoah LLC and its members, managers, employees, contractors, and agents from and against claims, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your User Content; (b) your use of the Service; (c) your violation of this Agreement; (d) your violation of any law or third-party right; or (e) third-party claims arising from your financial, investment, tax, or legal decisions, including decisions informed by the Service.

15. Termination

You may stop using the Service at any time and may request account deletion as described in the Privacy Policy. Privacy Policy Section 6 explains what happens to your plan data and chat history when an account is deleted.

We may suspend or terminate access if you violate this Agreement, if required by law, to protect the Service or users, or if we discontinue the Service. Upon termination, your right to use the Service ends. Sections that by nature should survive (including intellectual property, disclaimers, limitation of liability, indemnity, assumption of risk / no reliance, and dispute terms) will survive.

16. Changes to these Terms

We may update these Terms from time to time. We will post the updated Terms and revise the “Last Updated” date. For material changes, we will provide additional notice when required by law (for example, email or in-product notice).

If a change matters (for example, a new way we use your data, a new company that gets it, a smaller right for you, a change to our liability, dispute, or fee terms, or a change in who operates the Service), the app asks you to read what changed and agree again before you continue. For any other change, continued use after the effective date constitutes acceptance, except where additional consent is required by law.

17. Governing law; disputes

These Terms are governed by the laws of the State of New York, excluding conflict-of-law rules, unless a different governing law is required for your residence. Any dispute between you and Filoah about these Terms or the Service will be decided only in the state courts located in Westchester County, New York, or the United States District Court for the Southern District of New York, and you consent to personal jurisdiction there, except where the law does not allow it.

Class actions. To the fullest extent permitted by law, you and Filoah agree that disputes will be resolved only on an individual basis, and not as a plaintiff or class member in any class, consolidated, or representative proceeding.

18. Change of operator; assignment; no retroactive entity change

Before October 14, 2026, the Service was operated by an individual doing business as Filoah. With effect from that date, the individual assigned the Terms of Service then in effect, the Service, and the related data to Filoah LLC, and Filoah LLC took over those Terms and operates the Service. This change does not retroactively change the terms that applied before that date, and it does not create limited-liability protection for the period before that date.

You may not assign this Agreement without our prior written consent. Filoah LLC may assign this Agreement, in whole or in part, in connection with a merger, acquisition, reorganization, or sale of assets, without your consent.

19. Miscellaneous

This Agreement is the entire agreement between you and Filoah regarding the Service and supersedes prior agreements on that subject. If any provision is unenforceable, the remainder remains in effect. Our failure to enforce a provision is not a waiver. Notices to you may be sent to your account email or posted in the Service. Notices to us: support@filoah.com (Legal).

20. Contact

Questions about these Terms: support@filoah.com.