Tooni is a personal finance management and budgeting application designed to help users organize and understand their financial information. Tooni and its operators are not a bank, credit union, broker-dealer, registered investment adviser, financial planner, lender, tax professional, or legal advisor. Tooni does not provide financial, investment, tax, accounting, or legal advice, and nothing contained within the application, website, or related materials should be interpreted as such. All information, tools, and content provided by Tooni are for informational and educational purposes only and should not be relied upon as a substitute for professional financial, tax, legal, or investment advice.

Tooni does not hold, transmit, or store customer funds and does not provide banking or custodial services. Any financial accounts connected to Tooni remain held with the respective financial institutions and are subject to the terms, conditions, and protections offered by those institutions. Tooni is not responsible for the products, services, actions, or policies of third-party financial institutions or service providers.

While Tooni makes reasonable efforts to ensure the accuracy and reliability of the information displayed within the application, Tooni does not guarantee the completeness, accuracy, reliability, or timeliness of any financial data, account information, transaction details, calculations, forecasts, or analytics presented to users. Financial data may be delayed, incomplete, or inaccurate due to factors outside of Tooni’s control. Users are solely responsible for reviewing and verifying all financial information before making financial decisions.

Use of Tooni and any financial decisions made based on information obtained through the application are done entirely at the user’s own risk. Tooni assumes no responsibility or liability for any financial losses, damages, or other consequences resulting from the use of the application or reliance on information provided through the service.

Tooni does not sell personal user data to third parties. However, Tooni may use trusted third-party service providers and integrations in order to deliver core functionality of the application. Such third parties may process data in accordance with their own terms of service and privacy policies.

Plaid provides account information services to Tooni and its users. When you connect a financial account, you authorize Plaid to access and retrieve financial information from your financial institutions on your behalf. Plaid processes this information in accordance with its own terms and privacy policies.

By using Tooni, users acknowledge that Tooni provides tools intended to assist with personal financial organization only and that all financial decisions remain the sole responsibility of the user.