Terms

Vigilance is a personal-finance check-in tool operated by Revarity. By signing in you agree to these terms.

We try to make this short and readable. The lawyer version is implicit — these terms aim to cover the same ground without making you wade through it.

A daily ritual app: you check in on your accounts, we surface insights, you make better financial decisions over time. We connect to your banks via Plaid to keep balances current. We don't move money, we don't pay bills, we don't trade investments. We're a mirror, not a hand.

• Not financial advice. The hints we surface (debt prioritization, credit utilization, mortgage windows, etc.) are general patterns experts notice — they aren't personal advice. For decisions with real stakes, talk to a licensed professional.
• Not tax advice. Same.
• Not legal advice. Same.
• Not a bank or a payment processor. We hold no money and offer no banking services.
• Not insured. We don't hold deposits.

• Provide accurate information when you connect accounts (Plaid handles your bank login).
• Don't share your sign-in magic link — anyone with the link can access your account during its 1-hour window.
• Use Vigilance for personal financial reflection, not to mine data, attack our infrastructure, or build a competing service on our copy and design.

• We'll keep your data private (see Privacy).
• We'll try hard to keep Vigilance running. We'll fix bugs as we find them.
• We'll tell you before we change something that affects you (data handling, pricing, features being removed).

• That Vigilance will be available 24/7 forever — we run on third-party infrastructure (Supabase, Vercel, Plaid) that has its own uptime.
• That every hint will be right. The expert rules cover common patterns, not every situation. Use judgment.
• That balances will always match your bank to the cent. Plaid updates on a delay; we surface the latest data we have. For high-stakes decisions, check your bank directly.

Vigilance is provided “as is.” To the maximum extent allowed by law, Revarity is not liable for any losses, missed opportunities, or financial decisions you make based on what you see in the app. Use Vigilance as one input among many, not the only one.

You can unlink banks and archive accounts anytime from Settings. To fully delete everything, email coo@revarity.com and we'll hard-delete within 14 days.

If we change these terms, we'll email you. If you keep using Vigilance after the change takes effect, you accept the new version. If you don't agree, close your account.

These terms are governed by the laws of Ontario, Canada. Disputes we can't resolve directly go to the courts of Toronto.

Questions: coo@revarity.com. Vigilance is operated by Revarity.