Terms of Service

What StrayCash does

StrayCash connects to your bank through Plaid, identifies deposits that look like a recurring paycheck, and reports how much of the most recent one you have not yet spent. It is an informational tool. It does not hold your money, move it, or give financial advice.

Your account

You need an account to use StrayCash, and you are responsible for keeping your password secure and for activity that happens under your account. Tell us promptly if you think someone else has access to it.

You must be old enough to enter a contract where you live, and you may only connect bank accounts that belong to you or that you are authorised to access.

Trial, billing, and cancellation

• New accounts begin with a 14-day free trial. A payment method is required to start it.
• Unless you cancel before the trial ends, the subscription begins automatically at the price shown when you signed up.
• Subscriptions renew automatically each month or year until cancelled.
• You can cancel at any time from the billing portal. Access continues until the end of the period you have already paid for.
• Prices may change, but not for a period you have already paid for. We will tell you in advance of any change.

Payments are handled by Stripe and are subject to Stripe's own terms.

Accuracy of the figures

StrayCash reports figures derived from data supplied by your bank through Plaid. That data can be delayed, incomplete, or miscategorised, and pending transactions may not be reflected. Detection of which deposit is your paycheck is automatic and can be wrong, which is why you can correct it.

Do not rely on StrayCash as your only source of truth about your balance. Check your bank before making decisions that depend on an exact figure. StrayCash does not account for money you have committed but not yet spent.

Acceptable use

You agree not to:

• connect accounts you are not authorised to access;
• attempt to breach, probe, or disrupt the service or its infrastructure;
• use the service to break the law, or resell or redistribute it.

We may suspend or close accounts that do these things.

Availability

StrayCash depends on services we do not control, including your bank and Plaid. It may be unavailable at times, for maintenance or for reasons beyond us. We do not promise uninterrupted access.

Ending your access

You can stop using StrayCash at any time by cancelling and asking us to delete your account. We may end your access if you break these terms, or if we discontinue the service, in which case we will give reasonable notice and refund any period paid for but not used.

Changes to these terms

If we change these terms materially, we will let you know before the change takes effect. Continuing to use StrayCash afterwards means you accept the updated terms.

Contact

Questions about these terms can be sent to support@straycash.app.