DRAFT — pending review by counsel. Not yet in effect.

These terms are an agreement between you and [Company legal name], a [State] limited liability company ("SquirrelsMoney", "we"). By using squirrelsmoney.com you agree to them.

1. What SquirrelsMoney is — and isn't

• We provide information: what your money earns today, and accounts that may earn more. We are not a bank, we are not a financial adviser, and nothing we show is personal financial, tax, or legal advice.
• We never hold, move, or direct your money. You open accounts, move money, change direct deposits, and close accounts yourself, on the bank's or your employer's own systems.
• Banks set their own rates, bonuses, fees, and approval decisions, and can change them at any time. We show the date we last verified each offer; always confirm terms with the bank before you act.

2. How we make money

Banks may pay us a referral fee when you open an account through our links. You pay nothing. What a bank pays us is never an input to how we rank accounts — see How we rank.

3. Your account and bank connections

• You must be 18 or older and a US resident to create an account.
• Bank connections are read-only and made through our data provider, Plaid. You can disconnect a bank at any time in your account settings.
• You're responsible for keeping your login secure and for the accuracy of anything you tell us.

4. Acceptable use

Don't misuse the service: no scraping, reverse engineering, automated access, fraud, or attempts to obtain bonuses you aren't entitled to.

5. Errors we cause

If information we showed was wrong and it cost you a fee or a bonus, tell us. Where we were at fault we may reimburse reasonable, documented losses at our discretion under our make-good policy [to be finalised].

6. Disclaimers and limitation of liability

[To be drafted by counsel: service provided "as is"; limitation of liability; exclusions that applicable law does not allow us to limit.]

7. Disputes

[To be drafted by counsel: governing law, venue, and any arbitration clause with opt-out.]

8. Ending the service

You can delete your account at any time; we then delete your data as described in our Privacy Policy. We may suspend accounts that break these terms.

9. Changes

If we change these terms in a material way, we'll tell you and ask you to accept the new version before you continue.

10. Contact

[Company legal name], [Postal address] · support@squirrelsmoney.com