Effective September 27, 2026
These Terms of Service ("Terms") are a legally binding agreement between you and Candor, LLC ("we," "us," or "our") governing the Averlen mobile application and supporting services (the "Services"). By creating an account or using the Services, you agree to these Terms. If you do not agree, do not use the Services.
You must be at least 18 years old and legally able to enter into these Terms.
You may register with email and password or an available third-party sign-in method. You are responsible for safeguarding your account and device, maintaining accurate information, and notifying support@candorfinance.app of suspected unauthorized use. You may not use another person's account without permission. We may require verification or recent authentication for sensitive actions.
Averlen is a personal-finance and spending-awareness tool. It can display and categorize transactions, connect supported financial accounts through Plaid, show balances and planning information, support two-person households, import CSV data, and provide reflection and trend features. Features may change as the Service develops. Averlen is not a bank, broker, credit bureau, tax preparer, or investment adviser.
Current bank connections are facilitated by Plaid. By using Plaid Link, you authorize Plaid and your financial institution to provide the data you select to Averlen, subject to Plaid's terms and privacy notice. Averlen does not receive or store your bank login credentials. Financial institutions or Plaid may delay, limit, or end a connection, and displayed data may be incomplete or outdated. You may ask Averlen to revoke a connection in Settings. A successful disconnect stops future retrieval through that connection; previously imported records are handled as described in the Privacy Policy.
The Service transmits and stores account, financial, preference, and usage information to provide synchronization and other features. If you join a two-person household, information described as shared in the app becomes visible to the other member. Only share a household with someone you trust. Ownership transfer or other steps may be required before an owner can leave or delete an account so the remaining member's data is not erased.
You retain your rights in information you enter or import. You give Averlen a limited permission to host, process, reproduce, and transmit that information only as reasonably necessary to operate, secure, improve, and support the Services and comply with law. You represent that you have the right to provide the information and household invitations you submit.
Paid access is offered through Apple's App Store. Price, trial, billing period, and available features are shown before purchase. If a free trial is offered, it converts to the displayed paid subscription unless canceled through Apple at least 24 hours before the trial ends. Subscriptions renew automatically until canceled through Apple. Apple processes payment, renewal, cancellation, and refund requests under its terms. Canceling keeps paid features available through the paid period. After access ends, you can still view and export saved financial records and delete your account; adding or changing data and bank syncing require an active subscription. Deleting the Averlen account or app does not cancel an App Store subscription. Restore Purchases can be used for eligible purchases.
Averlen is for informational and personal use. It may use estimates, delayed provider data, user-entered assumptions, and automated categorization. Do not rely on Averlen as the sole basis for a financial, tax, legal, credit, or investment decision. Consult a qualified professional when appropriate.
The Services depend on Apple, Firebase, Plaid, Railway, Better Stack, Resend, and other infrastructure described in the Privacy Policy. Third-party services are governed by their own terms and may be unavailable, changed, or discontinued. Candor, LLC is not responsible for a third party's independent acts or services to the extent permitted by law.
You may not use the Services unlawfully; access another account or data without authorization; interfere with or overload the Services; introduce malicious code; bypass security or access controls; scrape or automate access except with written permission; reverse engineer the Services except where law expressly permits it; or use Averlen to infringe another person's rights.
Subject to third-party rights, Candor, LLC and its licensors retain the rights they have in original software code, visual design, and content made available through the Services, excluding your content. Candor, LLC grants you a limited, personal, non-exclusive, non-transferable, revocable license to use the app for its intended purpose.
We work to provide a reliable Service but do not promise uninterrupted or error-free operation, permanent availability of any feature, or that synced data can never be lost. We may maintain, modify, suspend, or discontinue parts of the Service. Where reasonably practical, we will provide notice of a material change that significantly reduces the Service.
You may request account deletion in Settings, subject to household ownership protections. Deletion and provider retention are described in the Privacy Policy. We may restrict, suspend, or terminate access if we reasonably believe you violated these Terms, created security or legal risk, or misused the Services. Where appropriate, we may provide notice and an opportunity to resolve the issue.
To the fullest extent permitted by law, the Services are provided "as is" and "as available." Candor, LLC disclaims implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. Some jurisdictions do not allow certain warranty exclusions, so some exclusions may not apply to you.
To the fullest extent permitted by law, Candor, LLC and its officers, directors, employees, and agents will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenues, data, or financial opportunities arising from the Services. The total aggregate liability of Candor, LLC and its officers, directors, employees, and agents to you for all claims arising out of or relating to the Services will not exceed the amount you paid to Candor, LLC for the Services through the App Store during the 12 months before the event giving rise to the claim. If you paid nothing during that period, this cap is $0. This limit does not apply to liability that applicable law does not allow us to limit or exclude.
These Terms are governed by Kansas law, without regard to conflict-of-law rules. Subject to applicable consumer-protection law, disputes will be brought in the state or federal courts located in Johnson County, Kansas.
We may update these Terms as the Services and legal requirements change. We will post the updated version and effective date and provide additional notice when required. If you do not agree to updated Terms, you should stop using the Services and may delete your account.
Candor, LLC
Roeland Park, KS 66205
legal@candorfinance.app