Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") govern your access to and use of the Equabi platform, including the autonomous financial optimization engine, dashboard, and related services (collectively, the "Service") operated by Equabi Inc. ("Equabi," "we," "us," or "our"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, you may not access the Service.

2. Eligibility

You must be at least 18 years of age and legally capable of entering into binding contracts to use the Service. By registering, you represent and warrant that you meet these requirements and that the information you provide is accurate and complete.

3. The Service

Equabi provides an autonomous execution engine that:

• Analyzes financial telemetry via read-only Plaid integration.
• Detects market-based arbitrage opportunities and price discrepancies.
• Executes optimization actions (cancellations, downgrades, refund claims) via headless browser automation on your behalf.
• Delivers alerts and control via Slack, SMS, Discord, or the Equabi dashboard.

4. Read-Only Financial Model

Bank connections are established via Plaid using read-only tokens. Equabi fundamentally lacks the technical capability to initiate wire transfers, ACH movements, or any outbound transfer of funds from your linked accounts. The engine executes cost-reduction actions (downgrades, cancellations) and refund claims only.

5. User Responsibilities

• Maintain the confidentiality of your account credentials.
• Provide accurate and current financial and contact information.
• Authorize the engine to act on your behalf only for accounts you legally control.
• Configure approval thresholds appropriate to your risk tolerance.
• Comply with all applicable laws, including the terms of service of third-party providers the engine interacts with on your behalf.

6. Subscriptions and Billing

Equabi is a paid subscription service. Fees are billed in advance on a recurring basis. The ROI Guarantee applies: if the engine does not identify and execute capital savings equal to or greater than 10x your annual subscription cost within the first 60 days, you may request a full refund of your subscription fees.

7. Intellectual Property

All content, software, algorithms, and intellectual property comprising the Service are owned by Equabi Inc. You may not reverse engineer, decompile, or redistribute any component of the platform without express written consent.

8. Limitation of Liability

To the maximum extent permitted by law, Equabi shall not be liable for any indirect, incidental, or consequential damages arising from your use of the Service. Our total liability shall not exceed the amount you have paid us in the 12 months preceding the claim.

9. Termination

You may cancel your subscription at any time. Upon termination, the engine will cease all optimization actions on your behalf within 24 hours, and your data will be deleted in accordance with our Privacy Policy.

10. Contact Us

For questions regarding these Terms, please contact our legal team: