Terms of Service

These Terms are an agreement between you and Gravy Technologies Limited, doing business as Gravy. By accessing or using Gravy, you agree to these Terms and our Privacy Policy. If you use Gravy on behalf of an organization, you represent that you have authority to bind that organization.

If you do not agree to these Terms, do not use Gravy. Some features may also be subject to additional terms presented in the product or by a third-party provider.

Gravy is a local-first desktop agent system for personal finance and account work. Gravy may help you connect financial accounts, inboxes, documents, and other data sources; ask questions; generate views; create plans; monitor changes; and automate selected routines.

Gravy includes local software, hosted services, authentication, connector edges, AI model integrations, release infrastructure, and support tools. The service may change over time as we improve, replace, or discontinue features.

You must be able to form a legally binding contract and be at least the age required by your jurisdiction to use online services. You must provide accurate account information and keep it up to date.

You are responsible for maintaining control of your account, authentication methods, devices, and local Gravy installation. Notify us promptly if you believe your account or device has been compromised.

You may choose to connect banks, brokerages, inboxes, documents, and other services. By connecting a service, you authorize Gravy and its providers to access, retrieve, process, store, and display information from that service as needed to provide Gravy.

Unless we separately state otherwise in writing, Gravy's financial account connections are intended to be read-only. Gravy is not a bank, broker-dealer, investment adviser, credit bureau, payments processor, money transmitter, or tax preparer, and Gravy does not initiate transfers, trades, payments, or other money movement for you.

You represent that you have the right to connect each account and provide the requested permissions. Third-party services may revoke access, change APIs, impose limits, or experience outages that affect Gravy.

Gravy may use AI models and agent tooling to generate answers, views, summaries, categories, plans, automations, and other outputs. AI outputs can be incomplete, delayed, inaccurate, or unsuitable for your circumstances. You are responsible for reviewing outputs before relying on them.

Gravy is not financial, investment, tax, legal, accounting, insurance, or credit advice. Do not rely on Gravy as your sole basis for financial decisions, filings, transactions, or professional judgments. Consult a qualified professional where appropriate.

You retain your rights in data, prompts, messages, files, and other content you provide or connect to Gravy. You grant Gravy a limited, worldwide, non-exclusive license to host, process, transmit, display, copy, modify, and create technical derivatives of that content solely as needed to operate, secure, support, and improve Gravy.

You are responsible for your content, including ensuring that you have rights to provide it and that it does not violate law, contracts, or third-party rights.

You must not use Gravy to:

• violate law, contracts, intellectual property, or privacy rights;
• misrepresent your identity or authorization;
• access accounts, data, or systems without permission;
• upload malware, scrape excessively, disrupt services, or bypass security controls;
• use the service to make unlawful credit, employment, insurance, housing, or eligibility decisions;
• reverse engineer the service except where law expressly allows it;
• resell, sublicense, or provide Gravy as a managed service without our written permission.

Gravy depends on third-party services, including authentication providers, banks, financial data aggregators, open banking providers, Google services, cloud infrastructure, model providers, analytics tools, and payment processors. Your use of those services may be governed by their own terms and privacy policies.

We are not responsible for third-party services, data accuracy, provider outages, account restrictions, or changes to third-party terms. We may add, remove, or replace providers at any time.

Gravy Desktop may install local components, communicate with localhost services, receive updates, store local configuration, and open browser flows for authentication or connected account setup. You are responsible for installing updates and using a supported operating system.

Subject to these Terms, we grant you a limited, revocable, non-exclusive, non-transferable license to install and use Gravy Desktop for your personal or internal business use.

Gravy may offer free, paid, trial, beta, or usage-based plans. If you buy a paid plan, you agree to pay applicable fees, taxes, and charges described at checkout or in an order form. Paid plans may renew automatically if stated at purchase. We may change pricing or plan features prospectively with reasonable notice where required.

Some Gravy features may be labeled alpha, beta, preview, experimental, or early access. These features may be unstable, incomplete, less secure, or changed without notice. Use them at your own risk and do not rely on them for critical decisions.

Gravy, including software, interfaces, designs, documentation, trademarks, and service technology, is owned by Gravy or its licensors. Except for the limited rights granted in these Terms, we reserve all rights.

If you provide feedback, suggestions, or ideas, you grant us the right to use them without restriction or compensation.

Our Privacy Policy explains how we collect, use, and share information. You agree not to submit highly sensitive information unless it is necessary for your use of Gravy and supported by the product, such as connected financial or inbox data.

We use reasonable safeguards, but no service is perfectly secure or uninterrupted. You should maintain your own backups of important data and protect your devices and credentials.

Gravy is provided on an "as is" and "as available" basis. To the maximum extent permitted by law, we disclaim all warranties, whether express, implied, statutory, or otherwise, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, availability, accuracy, and reliability.

We do not guarantee that Gravy will be uninterrupted, error-free, secure, accurate, compatible with every provider, or able to recover every account, transaction, message, file, or data point.

To the maximum extent permitted by law, Gravy and its affiliates, officers, employees, contractors, licensors, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost revenue, lost data, business interruption, or financial losses arising from or related to Gravy.

To the maximum extent permitted by law, our total liability for any claim related to Gravy will not exceed the greater of the amount you paid to Gravy for the service in the three months before the event giving rise to the claim or 100 USD.

You will defend, indemnify, and hold harmless Gravy and its affiliates from claims, damages, liabilities, costs, and expenses, including reasonable legal fees, arising from your content, your connected accounts, your misuse of Gravy, your violation of these Terms, or your violation of law or third-party rights.

You may stop using Gravy at any time. We may suspend or terminate access if we believe you violated these Terms, created risk, failed to pay fees, or used Gravy in a way that could harm users, providers, or the service. After termination, provisions that by their nature should survive will survive, including ownership, disclaimers, limits of liability, indemnity, and dispute terms.

We may update these Terms from time to time. If changes are material, we will take reasonable steps to notify you. Continued use of Gravy after updated Terms become effective means you accept the updated Terms.

These Terms are governed by the laws of England and Wales, excluding conflict of law rules, unless mandatory consumer protection laws give you additional rights. Courts located in England will have exclusive jurisdiction, except where applicable law requires another forum.

Before filing a claim, you agree to contact us and try to resolve the dispute informally. Nothing in these Terms limits either party's right to seek urgent injunctive relief or to report concerns to a regulator.

Questions about these Terms can be sent to support@gravy.financial. Questions about privacy can be sent to privacy@gravy.financial.