Legal

Terms of Service

Last updated: September 30, 2026

These Terms of Service (“Terms”) govern your use of Ashbloom, including the website at ashbloom.ai and the application at app.ashbloom.ai (together, the “Service”). The Service is operated by Korok Merchants LLC, a Texas limited liability company doing business as Ashbloom (“Ashbloom,” “we,” “us”). By creating an account or using the Service, you agree to these Terms. If you don’t agree, don’t use the Service.

1. Not financial advice

Ashbloom is an educational tool. It is not a registered investment adviser, broker-dealer, financial planner, tax adviser, or law firm, and nothing in the Service is individualized investment, tax, legal, or accounting advice.

The Service applies widely used personal-finance principles to the information you provide and presents the results, including content generated by artificial intelligence. That content can be incomplete, out of date, or wrong, and it depends on the accuracy of your data. It does not recommend specific securities. You are solely responsible for your financial decisions; consider a qualified professional before acting on anything significant.

Ashbloom never holds, moves, or manages your money. Bank connections are read-only.

2. Eligibility and your account

  • You must be at least 18 years old and a resident of the United States to use the Service.
  • Provide accurate information, keep your login credentials secure, and tell us promptly at [email protected] if you believe your account has been compromised. You are responsible for activity under your account.
  • One person per account; accounts may not be shared or sold.

3. The Service

Ashbloom offers a free plan and a paid Premium plan. Features available on each plan are described on our pricing page and may change over time. The Service is under active development; we may add, change, or remove features, and we do not guarantee that it will be uninterrupted or error-free.

4. Linked accounts

You can connect financial accounts through Plaid Inc. (“Plaid”). By doing so, you authorize Ashbloom and Plaid to access information from your financial institutions on your behalf, and you agree to Plaid’s End User Privacy Policy. Balances and account details come from your institutions and may be delayed or inaccurate. You can unlink an institution at any time. Linking accounts is optional; you can enter balances manually instead.

5. Subscriptions and billing

Premium is billed in advance on a monthly or yearly basis and renews automatically until you cancel. Payments are processed by Stripe. Free trials, renewals, cancellation, plan changes, and refunds are covered by our Refund & Cancellation Policy, which is part of these Terms. You are responsible for any applicable taxes.

6. Your data

You keep ownership of the information you put into the Service. You give us permission to store and process it as needed to operate and improve the Service, including sending it to our service providers (for example, to generate AI coaching content), as described in our Privacy Policy. You can delete your account and its data at any time from your profile settings.

7. Acceptable use

You agree not to:

  • use the Service for anything unlawful or fraudulent;
  • connect accounts or enter information you are not authorized to use;
  • access or attempt to access another person’s account or data;
  • interfere with, overload, probe, or bypass the security of the Service;
  • copy, scrape, reverse engineer, resell, or build a competing product from the Service, except as the law expressly allows.

8. Our intellectual property

The Service, including its software, design, text, and branding, belongs to Korok Merchants LLC and its licensors. We grant you a limited, personal, non-exclusive, non-transferable license to use the Service under these Terms. If you send us feedback or suggestions, we may use them without obligation to you.

9. Third-party services

The Service relies on third parties such as Plaid, Stripe, and our hosting, database, and AI providers. Their services are governed by their own terms, and we are not responsible for their availability or actions.

10. Suspension and termination

You can stop using the Service at any time and delete your account from your profile settings. We may suspend or close your account if you violate these Terms, if required by law, or to protect the Service or other users; where reasonable, we will tell you first. Sections 1, 6, and 11 through 15 survive termination.

11. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT ANY CALCULATION, PROJECTION, OR AI-GENERATED CONTENT IS ACCURATE OR COMPLETE, OR THAT FOLLOWING IT WILL PRODUCE ANY FINANCIAL RESULT.

12. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, KOROK MERCHANTS LLC AND ITS MEMBERS, EMPLOYEES, AND CONTRACTORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, SAVINGS, INVESTMENTS, OR DATA, ARISING FROM YOUR USE OF THE SERVICE OR ANY DECISION YOU MAKE BASED ON IT. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM AROSE OR $50.

13. Indemnity

You agree to indemnify and hold harmless Korok Merchants LLC from claims, losses, and expenses (including reasonable attorneys’ fees) arising from your misuse of the Service or your violation of these Terms or of anyone else’s rights.

14. Governing law and disputes

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-laws rules. Before filing a claim, you agree to contact us at [email protected] and give us 30 days to try to resolve it informally. Any dispute that isn’t resolved that way will be brought exclusively in the state or federal courts located in Texas, and you and we consent to their jurisdiction.

15. General

These Terms, together with the Refund & Cancellation Policy and the Privacy Policy, are the entire agreement between you and us about the Service. If any part is found unenforceable, the rest remains in effect. Our not enforcing a provision is not a waiver of it. You may not transfer these Terms; we may transfer them in connection with a merger, acquisition, or sale of assets.

16. Changes to these Terms

We may update these Terms from time to time. If a change is material, we will notify you by email or in the app before it takes effect. Continuing to use the Service after that means you accept the updated Terms.

17. Contact

Korok Merchants LLC (d/b/a Ashbloom) · [email protected]