Terms of service

These terms are between you and Tellwise Inc., a Delaware C corporation with its office at 540 Howard Street, Suite 300, San Francisco, CA 94105. By creating an account or using Tellwise you agree to them. If you are agreeing on behalf of a business, you confirm you are authorised to do so.

We have written these in plain English on purpose. There is no defined-terms appendix.

Tellwise is a cashflow forecasting tool. It reads the transactions you add, learns your patterns, projects your balance forward and explains what it sees. It is money information, not financial advice.

Tellwise is not a registered investment adviser, a financial planner or a broker. It does not tell you what to buy, sell or invest in. It does not recommend financial products. Using Tellwise does not create an advisory or fiduciary relationship of any kind.

A forecast is an estimate built from your past. It can be wrong, especially when something changes that the model has not seen yet. Every forecast is shown with a confidence range, and we say plainly next to every one that it is an estimate. You are responsible for your own financial decisions. For anything with high stakes or complexity, please consult a licensed financial professional.

• You need an account, and the information on it must be accurate.
• You are responsible for what happens under your account. Keep your password private.
• Tell us promptly at support@gettellwise.com if you think someone else has access to your account.
• One person per account. Team features are for named members of your household or business, not for redistribution.

Transactions you add and forecasts generated from them belong to you. You grant Tellwise only the licence needed to provide the service: to process your transactions, run the forecast model, and store the results for you to access.

We do not use your transaction data to train models. We do not sell it. We do not share it with anyone other than the language model provider that produces your plain-language explanation, under terms that prohibit training on that data. You can delete any transaction or your entire account at any time.

• Use Tellwise only for lawful purposes and only for forecasting your own finances or finances you are authorised to manage.
• Do not attempt to reverse-engineer the forecast model, scrape the service in bulk or probe for security vulnerabilities without our written permission.
• Do not create accounts for others without their knowledge or use the service to surveil someone without their consent.
• Do not submit false transactions intended to test or manipulate the model in ways that affect other users.

• The free plan provides a two-week forecast on the transactions you add, with a confidence range and a plain-language read.
• Plus and Pro are billed monthly or annually in US dollars. Annual billing is ten months for twelve, charged once at the start of the year.
• Subscriptions renew automatically until you cancel. The cancel option is in Settings, not behind a phone call.
• Cancelling takes effect at the end of the billing period you have already paid for. You keep access to your forecast until then.
• If we raise prices, existing subscribers keep their current price for at least 12 months from the date of the increase and receive 30 days' notice by email.
• Refunds: if something we did caused Tellwise to fail for you, email us at support@gettellwise.com and we will refund the affected period.

We aim for Tellwise to be available and we post incidents on the status page at gettellwise.com/status. We do not offer a contractual uptime guarantee at this stage of the company. We would rather say so clearly than promise something we have not built the redundancy to keep.

Tellwise is provided as is. We do not warrant that forecasts will be accurate, that the service will be uninterrupted, or that it will meet every specific need. A forecast is an estimate from your past. It is not a guarantee of your future balance.

Because Tellwise is money information and not advice, we are not liable for any financial decision you make based on a forecast, including any loss that results from acting on a forecast that turns out to be wrong.

To the extent permitted by law, our total liability for any claim relating to Tellwise is limited to the amount you paid us in the 12 months before the claim arose. We are not liable for indirect or consequential loss, including lost profits or financial losses resulting from decisions made using the service.

Nothing here limits liability for fraud, gross negligence, or anything else that cannot be excluded by law.

You can stop using Tellwise and delete your account from Settings at any time. We may suspend or close an account that breaks these terms. Where we reasonably can, we will tell you why and give you a chance to export your data first.

These terms are governed by the laws of the State of California, without regard to conflict of laws principles. Any dispute will be heard in the state or federal courts in San Francisco County, California. Both parties waive any right to a jury trial. We have not included an arbitration clause.

If we change these terms materially, we will email account holders at least 30 days before the change takes effect. Continuing to use Tellwise after that date means you accept the revised terms. This version is effective 1 January 2026.