Terms of Service

1. Assent and Contract Formation

By creating an account, clicking “I Agree,” accessing, or otherwise using any part of the Application, you represent that you are a resident of the United States, at least 18 years of age, and legally capable of entering into binding contracts. If you do not agree to these Terms, you must not access or use the Application.

If you use the Application on behalf of a business entity, sole proprietorship, or partnership, you represent and warrant that you have the explicit legal authority to bind that entity to these Terms.

2. PocketPlanner’s Role and No-Advice Disclaimer

ClarityTax is a software application designed to provide automated financial tracking, estimation utilities, and data aggregation tools.

• Not a Bank or Money Transmitter: PocketPlanner Inc. is a financial technology software provider, not a bank, depository institution, card issuer, money transmitter, or payment processor. All underlying banking services, account maintenance, and payment or fund transfers are performed exclusively by third-party service providers, integrated payment processors, and financial institution partners.
• Not Financial, Tax, Legal, or Investment Advice: The calculation tools and outputs generated by ClarityTax are for informational and self-service planning purposes only. They do not constitute professional tax preparation, legal advice, certified public accounting (CPA) services, or investment advisory services. You acknowledge that tax laws are highly subject to change and individual circumstances vary. You are solely responsible for verifying the accuracy of any inputs and consulting with qualified tax professionals before making filing, financial, or investment decisions.

3. Electronic Communications & Signatures (E-SIGN Consent)

By using the Application, you consent to receive all disclosures, notices, statements, payment authorizations, agreements, and other communications from us or our third-party partners electronically (collectively, “Communications”), including via in-app alerts, email, or SMS/text messaging.

Your electronic agreement via the Application constitutes your electronic signature under the federal Electronic Signatures in Global and National Commerce Act (E-SIGN Act) and the Maryland Uniform Electronic Transactions Act (UETA). You may withdraw your consent to receive future Communications electronically by closing your account and ceasing all use of the Application.

4. Account Security, Verification, and Compliance (KYC/AML)

To comply with federal regulations, prevent fraud, and satisfy our bank partner network requirements, you agree to provide accurate, current, and complete information, including your full legal name, contact information, and any necessary identifying documentation.

• You authorize us and our service providers to make any inquiries necessary to validate your identity and financial account access, including checking commercial databases or credit reports, as permitted by law.
• You represent that you are not the subject of economic sanctions administered by the Office of Foreign Assets Control (OFAC) or any other U.S. government agency.
• You are solely responsible for maintaining the security of your account credentials and multi-factor authentication (MFA). You must immediately notify us of any suspected unauthorized access or suspicious transaction activity.

5. Linked Financial Accounts and Third-Party Providers (Plaid)

The Application enables you to link your external financial accounts through integrated third-party data aggregation providers, including Plaid, Inc. (“Plaid”).

• By linking an account, you grant us and Plaid the right, power, and authority to access, retrieve, and transmit your data from your financial institution as necessary to provide the features you request. Your data will be handled by Plaid in accordance with the Plaid End User Privacy Policy.
• You acknowledge that your legal relationship with your underlying bank or financial institution remains governed solely by your agreements with them. PocketPlanner holds no liability for the accuracy, completeness, timeliness, or availability of account data retrieved from third-party services or financial institutions, nor for any interruptions caused by their failure to connect.

6. Payment Instructions and ACH Authorization

When you initiate a payment, transfer, subscription fee deduction, or fund transfer through ClarityTax, you instruct us to transmit your payment instructions to our integrated payment processors, financial institution partners, or the Automated Clearing House (ACH) network.

• The Authorization: You explicitly authorize PocketPlanner Inc. and its designated payment processors and bank partners to initiate electronic debit or credit entries (including reversals, returns, or adjustments to correct errors) to or from the bank account you linked via Plaid, in accordance with applicable federal regulations and National Automated Clearing House Association (Nacha) operating rules. You represent that you are a legal owner and authorized signer of any linked account.
• Recurring Authorizations: If you enroll in a recurring subscription or payment plan, you authorize us to execute automatic, recurring debits on the intervals disclosed to you at enrollment. You may revoke this authorization by unlinking your account or modifying your billing selections within the Application at least three (3) business days prior to the next scheduled debit. Revocation will not cancel or alter any transactions already submitted to the banking system.

7. Funds Timing, Processing Deadlines, and Reversals

• Processing Latency: Payment processing timelines, including Same-Day ACH options, are subject to system eligibility, network limits, bank availability, fraud reviews, and institutional processing windows. We do not guarantee that any transaction will clear on the same day or within a specific timeframe.
• Cut-Off Times: Daily transactions must be successfully submitted prior to our operational cut-off times (which may be amended and will be displayed contextually within the user interface) to be batched for processing on that Business Day. Transactions initiated past the cut-off time, or on weekends/holidays, will queue for the next available Business Day.
• Irreversibility: Once an ACH payment instruction enters processing or is transmitted to the network rails, it is generally irreversible by us. You are solely responsible for ensuring your input data, transaction amounts, and recipient details are accurate.
• Provisional Credit & Chargebacks: Any dashboard credits, software features unlocked, or balance entries displayed to you prior to final bank settlement are strictly provisional. If a transaction fails to clear, is returned, or is disputed by your bank, we reserve the explicit right to reverse the provisional credit, restrict relevant features, and offset any outstanding balances against your account.

8. Returned Items, Fees, and Collection Rights

If an authorized transaction is returned unpaid or rejected by your financial institution (due to non-sufficient funds [NSF], closed accounts, or administrative blocks), you authorize us or our payment processors to re-present the debit up to the maximum number of times allowed by Nacha rules.

To the extent permitted by applicable law and subject to required disclosures, you agree to pay a returned item fee of up to $35 (or the maximum statutory recovery limit under § 15-802 of the Maryland Commercial Law Article) per occurrence. We reserve the right to suspend your access to ClarityTax and utilize third-party collection efforts to recover any unpaid fees or negative balances.

9. Prohibited Uses and System Security

You agree that you will not use the Application to engage in any unlawful, fraudulent, or deceptive activity. You strictly agree not to:

• Engage in systematic data scraping, harvesting, crawling, or automated data extraction from the Application’s databases, interfaces, or proprietary tax models.
• Sublicense, rent, commercially distribute, or reuse the software, code, layout, or calculations of ClarityTax for independent business monetization without our express written contract.
• Reverse-engineer, decompile, or attempt to derive the source code or proprietary tax algorithms powering the system.
• Utilize synthetic or stolen identities, or use the app to run unauthorized peer-to-peer money transmission, structural crowdfunding, or unlicensed lending schemes.

10. Warranty Disclaimers

THE APPLICATION IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS, IMPLIED, OR STATUTORY. TO THE MAXIMUM EXTENT PERMITTED BY LAW, POCKETPLANNER INC. AND ITS AFFILIATES, OFFICERS, DIRECTORS, AGENTS, AND PARTNERS EXPLICITLY DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, DATA ACCURACY, SECURE TRANSMISSION, AND UNINTERRUPTED UPTIME.

WE DO NOT WARRANT THAT THE SOFTWARE WILL BE SECURE, ERROR-FREE, OR FREE OF DELAYS, OMISSIONS, OR TIMING OUTAGES STEMMING FROM THIRD-PARTY FINANCIAL INSTITUTIONS, NETWORK ENGINES, OR HARDWARE SYSTEMS.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL POCKETPLANNER INC. OR ITS AFFILIATES, LICENSEES, PROCESSORS, OR SPONSOR BANKS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING LOSS OF PROFITS, REVENUES, DATA, USE, GOODWILL, OR BUSINESS INTERRUPTION, ARISING OUT OF OR IN CONNECTION WITH THE APPLICATION OR THESE TERMS, REGARDLESS OF THE LEGAL THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, POCKETPLANNER INC.’S AGGREGATE LIABILITY FOR ALL CLAIMS DIRECTLY OR INDIRECTLY ARISING OUT OF THESE TERMS OR THE USE OF THE APPLICATION SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT OF FEES PAID BY YOU TO POCKETPLANNER INC. FOR ACCESS TO THE APPLICATION IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE CLAIM EVENT, OR (B) ONE HUNDRED DOLLARS ($100.00). NOTHING IN THESE TERMS SEEKS TO LIMIT OR WAIVE LIABILITIES THAT CANNOT BE CONTRACTUALLY ELIMINATED UNDER APPLICABLE CONSUMER PROTECTION LAWS, INCLUDING THE MARYLAND CONSUMER PROTECTION ACT.

12. Dispute Resolution, Binding Arbitration, and Class Waiver

• Informal Dispute Resolution: In the event of a dispute, you and PocketPlanner Inc. agree to first attempt to resolve the issue informally. You agree to submit a written description of your complaint, alongside relevant account details, to support@tryclaritytax.com. If the parties cannot reach a mutually acceptable resolution within forty-five (45) days of the written notice, either party may initiate binding arbitration.
• Binding Arbitration: Any dispute, controversy, or claim arising out of or relating to these Terms, the breach thereof, or your use of the Application shall be settled by binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Consumer Arbitration Rules. The arbitration shall be conducted on an individual basis before a single arbitrator. The place of arbitration shall be Howard County, Maryland (or another mutually agreed location), or conducted virtually by phone or video submission where applicable.
• Class Action and Jury Waiver: YOU AND POCKETPLANNER INC. AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. YOU EXPLICITLY WAIVE THE RIGHT TO A TRIAL BY JURY.
• Small Claims Court Exception: Notwithstanding the agreement to arbitrate, either party may bring an individual action in a small claims court of competent jurisdiction to settle disputes within that court’s statutory dollar thresholds.

13. Privacy and Data Retention

Your use of ClarityTax is explicitly subject to our Privacy Policy, which describes how we collect, process, share, retain, and safeguard personal and financial data. We limit our gathering and use of consumer records to what is functionally necessary to deliver requested software services, satisfy regulatory anti-fraud requirements, protect financial network access, and execute compliance checks.

14. Modifications to Services and Terms

We reserve the right to modify these Terms from time to time to adapt to evolving technology, operational frameworks, bank rules, or shifts in legal requirements.

• If we make material changes, we will provide notice by updating the “Last Updated” date at the top of this document, posting the revised text within the Application interface, or sending an explicit notification to the email address tied to your account.
• Unless a specific future effective date is provided, updated Terms become legally binding immediately upon publication. Your continued account access or transaction execution after the effective date of the updated Terms constitutes your explicit acceptance of the revised terms. If you do not agree to an update, you must terminate your account and cease using ClarityTax.

15. Termination, Suspension, and Survival

We reserve the right, in our sole discretion and without liability or mandatory prior notice, to modify features, suspend account processing, or terminate your account access to ClarityTax if we suspect a violation of these Terms, unusual fraud metrics, security threats, network architecture vulnerabilities, or if instructed by our third-party banking networks, processors, or legal regulators.

Upon termination, your right to use the platform instantly ceases. All provisions of these Terms which by their inherent nature should survive termination shall survive, including Intellectual Property, Disclaimers, Indemnification, Limitations of Liability, and the Dispute Resolution/Arbitration framework.