The deal, plainly

These Terms of Service (the “Terms”) form a binding contract between you (“you”) and Augustine Realty Company, a North Carolina company with its place of business in Greensboro, North Carolina, USA (“Augustine,” “we,” “us”), governing your access to and use of the Augustine Equity application, website, APIs and related services (the “Service”).

By creating an account, signing in, connecting a financial institution, or otherwise using the Service, you accept these Terms and our Privacy Notice, which is incorporated into and forms part of these Terms. If you do not accept them, do not use the Service.

You represent that you are at least 18 years old and legally able to enter into this contract. If you accept these Terms on behalf of a household, entity or another person, you represent that you are authorised to bind them, and “you” includes them.

Electronic communications and signatures. You consent to receive contracts, notices, disclosures and other communications from us electronically, and you agree that your electronic acceptance has the same legal effect as a handwritten signature. You may withdraw this consent only by ceasing to use the Service and closing your account.

Augustine Equity is a household financial organiser: net-worth tracking, document storage and scanning, reminders, email triage and an AI assistant that summarises information you supply or connect.

The Service is not, and does not hold itself out as:

• a bank, credit union, trust company or other depository institution;
• a broker-dealer, investment adviser, investment company, or municipal advisor registered with or regulated by the SEC, FINRA, the NC Secretary of State or any other authority;
• a money transmitter, payment processor, money services business, or provider of any payment, transfer or custody service — the Service cannot and does not move money;
• a tax preparer, accountant, appraiser, insurance producer, mortgage broker, credit repair organisation, consumer reporting agency, or law firm;
• a fiduciary of yours in any respect, under any body of law.

No fiduciary, advisory or agency relationship of any kind is created by these Terms or by your use of the Service, and none should be inferred from any feature, figure, chart, ranking, alert, suggestion or message the Service produces.

ALL CONTENT, FIGURES, VALUATIONS, PROJECTIONS, CATEGORISATIONS, SUMMARIES, REMINDERS AND OTHER OUTPUTS OF THE SERVICE ARE PROVIDED FOR GENERAL INFORMATIONAL AND RECORD-KEEPING PURPOSES ONLY. They are not financial, investment, tax, accounting, legal, insurance, valuation, lending or real-estate advice, and they are not a recommendation, solicitation, offer or endorsement to buy, sell, hold, borrow against, refinance or otherwise deal in any asset, security, property or financial product.

AI outputs can be wrong. The assistant, document extraction, email triage and categorisation features use automated and machine-learning systems that routinely produce plausible-looking errors, omissions and misattributions. They may misread a figure, attach it to the wrong account, miss a page, or state something with confidence that is simply untrue. You must independently verify every extracted or generated figure against the original source document before relying on it; the interface exposes its sources for exactly this purpose.

Third-party data can be wrong, stale or incomplete. Balances, transactions, valuations and other information obtained from banks, Plaid, market data providers or public records are supplied by those third parties, are not verified by us, may be delayed, and may not reflect pending, disputed or reversed items. The records of your financial institution govern, not ours.

You are solely responsible for your financial, tax, legal and investment decisions, for the accuracy of what you enter, and for consulting qualified licensed professionals before acting. Any action you take on the basis of the Service is taken at your own risk.

You are responsible for everything that happens under your sign-in, for maintaining the confidentiality of your credentials, and for notifying us immediately at augustinerealtycompany@gmail.com if you suspect unauthorised access.

You represent and warrant that you will connect only financial accounts, mailboxes, documents and data that you own or are lawfully authorised to connect, and that you have obtained any consent required from any co-owner, joint account holder, household member or other person whose information you introduce into the Service.

Households and shared visibility. A household owner controls who joins a household and what those members can see. If you join or are added to a household, other members may be able to view the records in it. Do not place information in a household that you are unwilling for its members to see. We are not responsible for what household members do with information you make visible to them.

You must not, and must not permit anyone else to:

• access or attempt to access another household’s data, another user’s account, or any part of our systems you are not authorised to access;
• probe, scan, penetration-test, overload, rate-abuse, scrape, crawl or interfere with the Service or its infrastructure without our prior written permission;
• reverse engineer, decompile or attempt to derive source code, or copy, resell, sublicense, white-label or provide the Service as a service bureau to third parties;
• upload malware, or content that is unlawful, infringing, defamatory, or that you lack the right to upload;
• use the Service for any unlawful purpose, including money laundering, fraud, evading sanctions, or violating any applicable financial, privacy, export-control or data-protection law;
• use outputs of the Service to train a competing model, or misrepresent outputs as professional advice to any third party.

We may investigate suspected violations and may suspend or terminate access immediately, with or without notice, where we reasonably believe a violation has occurred or where suspension is necessary to protect the Service, other users, or us.

The Service integrates independent third parties, including Plaid (bank connections), Google (sign-in and, if you enable it, mailbox access), Stripe (payments), Cloudflare (hosting), Neon (database) and Resend (email). Your use of those services is governed by their own terms and privacy policies, which you should read.

By connecting an institution you grant us and Plaid permission to retrieve the data described in the Privacy Notice on your behalf, on a read-only basis. We do not request, and cannot exercise, any product that would let us initiate a payment or transfer.

We do not control third-party services and are not responsible or liable for their acts, omissions, availability, accuracy, security practices, pricing or changes, including any interruption, error or loss caused by them. A third party may change, degrade or discontinue its integration at any time, which may reduce or remove Service functionality without that being a breach of these Terms.

Some features require a paid plan. Prices, billing periods and inclusions are shown on the billing page before you pay. Payments are processed by Stripe, which holds your card details — we never receive or store them.

Automatic renewal. Paid plans renew automatically at the end of each billing period at the then-current rate, and your payment method is charged, until you cancel. You authorise these recurring charges.

Cancellation. You may cancel at any time from the billing page. Paid features remain available through the end of the period already paid for, and the plan then lapses.

Refunds. Except where non-waivable law requires otherwise, all fees are non-refundable and are not pro-rated for partial periods, unused features, or periods of suspension caused by your breach.

Taxes, price changes, failed payments.Fees exclude taxes, which you are responsible for. We may change prices on at least 30 days’ notice before your next renewal; continuing after that is acceptance. If a payment fails or is charged back, we may suspend paid features until it is resolved, and you remain liable for amounts owed plus reasonable collection costs.

Your content stays yours.You retain all rights in the data, documents and information you submit or connect (“Your Content”). You grant us a worldwide, non-exclusive, royalty-free licence to host, copy, transmit, display, process and back up Your Content, and to create de-identified aggregates that cannot reasonably be used to identify you or your household — solely to operate, secure, support and improve the Service. We do not sell Your Content and do not use it to train third-party models.

Our software stays ours. The Service, its software, design, trademarks and all related intellectual property are owned by Augustine or its licensors. You get a limited, revocable, non-exclusive, non-transferable right to use the Service in accordance with these Terms — nothing more, and no rights are granted by implication.

Feedback. If you send us suggestions or feedback, you grant us a perpetual, irrevocable, royalty-free licence to use it without restriction or compensation.

Backups are your responsibility too. We take reasonable measures to preserve data, but you should keep your own copies of anything you cannot afford to lose. We do not guarantee that Your Content will be preserved, recoverable, or free of loss or corruption.

The Service is provided on an as-available basis. We do not commit to any uptime, service level, response time, or support obligation unless we have agreed one with you in a separate signed writing. Planned and unplanned downtime, maintenance and dependency outages will occur.

We may add, modify, limit, suspend or discontinue any part of the Service at any time. If we discontinue a paid feature entirely, your sole remedy is a pro-rated refund of prepaid, unused fees attributable to that feature.

Features labelled beta, preview, experimental or similar are provided for evaluation, may be unstable or withdrawn without notice, are excluded from any commitment whatsoever, and are used entirely at your own risk.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE AND ALL CONTENT AND OUTPUTS ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY OR OTHERWISE.

AUGUSTINE AND ITS SUPPLIERS EXPRESSLY DISCLAIM ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING, USAGE OR TRADE. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, TIMELY, ERROR-FREE, OR THAT ANY FIGURE, VALUATION, EXTRACTION, CATEGORISATION, REMINDER OR AI OUTPUT WILL BE ACCURATE, COMPLETE, CURRENT OR SUITABLE FOR ANY PURPOSE.

No advice or information, oral or written, obtained from us or through the Service creates any warranty not expressly stated here. Some jurisdictions do not allow the exclusion of certain warranties, so parts of this section may not apply to you; in that case those exclusions apply to the fullest extent permitted.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, AUGUSTINE, ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, AGENTS, AFFILIATES AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, SAVINGS, INVESTMENT RETURNS, BUSINESS, GOODWILL, DATA, OR FOR ANY TRADING, TAX, LENDING, PROPERTY OR OTHER FINANCIAL DECISION MADE OR NOT MADE IN RELIANCE ON THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND REGARDLESS OF THE THEORY OF LIABILITY.

AUGUSTINE’S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE TOTAL FEES YOU ACTUALLY PAID US FOR THE SERVICE IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED US DOLLARS (US$100).

These limits apply to all theories of liability — contract, tort, negligence, strict liability, statute or otherwise — and survive any failure of essential purpose of any limited remedy. They allocate risk between us and are reflected in the pricing of the Service. Nothing in these Terms excludes liability that cannot lawfully be excluded, including for fraud, fraudulent misrepresentation, or death or personal injury caused by negligence; some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

You will defend, indemnify and hold harmless Augustine and its owners, officers, employees, contractors, agents and affiliates from and against any claim, demand, proceeding, loss, liability, damage, penalty, and reasonable legal fees and costs arising out of or related to: (a) Your Content; (b) your use of or reliance on the Service; (c) your breach of these Terms or of any law; (d) your connection of any account, mailbox or data you were not authorised to connect, or your failure to obtain a required consent from a co-owner or household member; or (e) any dispute between you and a household member or third party.

We may assume exclusive defence and control of any matter subject to indemnification, at your expense, and you will cooperate with us. You will not settle any matter in a way that imposes any obligation or admission on us without our prior written consent.

You may stop using the Service and delete your account at any time. We may suspend or terminate your access, with notice where practicable and immediately where necessary, if you breach these Terms, if we reasonably suspect unlawful or abusive use, if required by law or a third-party provider, or if we discontinue the Service.

On termination your licence to use the Service ends immediately. Deleting your account removes your household’s data as described in the Privacy Notice, subject to the retention periods stated there and to any records we are required to keep by law. Export anything you need before you delete. We are not obliged to retain or restore data after termination.

Sections on not-advice, your content and our software, disclaimers, limitation of liability, indemnity, dispute resolution, governing law and these general provisions survive termination.

Please read this section carefully. It affects your legal rights.

Informal resolution first. Before starting any proceeding, you agree to email augustinerealtycompany@gmail.com with a description of the dispute and the relief sought, and to negotiate in good faith for at least 30 days. Most issues end here.

Binding individual arbitration. If that fails, any dispute, claim or controversy arising out of or relating to these Terms or the Service will be resolved by final and binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, before a single arbitrator, seated in Guilford County, North Carolina (or, at your election, by telephone, video or on documents only). The Federal Arbitration Act governs this section. Judgment on the award may be entered in any court of competent jurisdiction.

Class-action and jury-trial waiver. Claims must be brought only in your individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, private-attorney-general or representative proceeding. The arbitrator may not consolidate claims or preside over any representative proceeding. You and we each waive any right to a jury trial. If this waiver is held unenforceable as to a particular claim, that claim (and only that claim) will proceed in court, and the rest of this section remains in force.

Exceptions. Either party may bring an individual claim in small-claims court, and either party may seek injunctive or equitable relief in court to protect intellectual property or prevent unauthorised access to the Service.

30-day opt-out. You may reject this arbitration and class-waiver section by emailing augustinerealtycompany@gmail.com with the subject line “Arbitration Opt-Out”, your name and your account email, within 30 days of first accepting these Terms. Opting out affects nothing else in these Terms.

Time limit. Any claim must be brought within one (1) year after it arises, or it is permanently barred, except where a longer period is required by non-waivable law.

Governing law and venue. These Terms are governed by the laws of the State of North Carolina, USA, without regard to conflict-of-laws rules, and excluding the UN Convention on Contracts for the International Sale of Goods. Subject to the arbitration section, the state and federal courts located in Guilford County, North Carolina have exclusive jurisdiction, and both parties consent to that venue. Where non-waivable local consumer law applies to you, it prevails to the extent of any conflict.

Geography and export. The Service is offered from the United States and is intended for users located there. You are responsible for compliance with local law if you access it elsewhere, and you represent that you are not subject to sanctions or located in an embargoed jurisdiction.

Not for children. The Service is not directed to and may not be used by anyone under 18.

Force majeure. Neither party is liable for delay or failure caused by events beyond its reasonable control, including outages of hosting, network, bank or third-party providers, cyberattack, natural disaster, war, labour dispute, or government action.

Changes to these Terms.We may update these Terms as the product changes. Material changes are announced in the application, and the “last updated” date above is revised, before they take effect. Continued use after the effective date is acceptance; if you do not accept, stop using the Service and close your account.

Assignment. You may not assign these Terms without our written consent. We may assign them to an affiliate or in connection with a merger, acquisition or sale of assets.

Severability, waiver, entire agreement, notices. If any provision is held unenforceable, it is limited or severed to the minimum extent necessary and the rest remains in force. A failure to enforce a provision is not a waiver of it. These Terms and the Privacy Notice are the entire agreement between us on this subject and supersede all prior discussions. No third party has rights under these Terms. Notices to us go to augustinerealtycompany@gmail.com; notices to you may be sent to your account email or shown in the application.