The short version: BLUNT is a budgeting tool in private beta. It is not financial advice, the AI can be wrong, and you're responsible for your own money decisions. The full terms are below.
By accessing or using the BLUNT website, mobile application, or any related services (collectively, the "Service"), you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree, do not use the Service.
BLUNT is currently offered as a private beta. Features, pricing, availability, and these Terms may change as the product evolves, and we will provide notice of material changes as described in Section 16.
You must be at least 18 years old and capable of forming a legally binding contract to use the Service. By using the Service, you represent and warrant that you meet these requirements and that all registration information you provide is accurate and complete.
BLUNT is a personal budgeting application that connects to your financial accounts (via Plaid Inc., a third-party financial data aggregator) to display transaction data, generate spending categorizations, and surface informational insights, including AI-generated commentary from a feature we call "Stash."
The Service is provided for general informational and organizational purposes only. Section 8 explains important limits on what this means.
This is the most important section of these Terms. Please read it carefully.
4.1. BLUNT is a budgeting and transaction-organization tool. Nothing in the Service — including any "Safe to Spend" number, category label, spending insight, nudge, recap, goal projection, or commentary generated by Stash or any other feature — constitutes financial, investment, tax, legal, or other professional advice.
4.2. Any numbers, recommendations, or statements suggesting what you "can" or "cannot" spend are informational estimates based on data you've connected and assumptions we've made, not directives, guarantees, or professional financial guidance. You are solely responsible for your own financial decisions.
4.3. We are not a registered investment adviser, broker-dealer, financial planner, or money transmitter, and the Service is not a substitute for consultation with a qualified financial professional.
4.4. You should independently verify any insight, calculation, or category before relying on it for a financial decision of consequence.
5.1. Certain features of the Service, including transaction categorization and the "Stash" character's commentary, are generated using artificial intelligence/large language model technology provided by third parties.
5.2. AI-generated content may be inaccurate, incomplete, outdated, or simply wrong. Categorizations may misclassify transactions; insights may be based on incomplete data; tone-based commentary (including "Full Roast" mode) is generated for entertainment and engagement purposes and should not be interpreted as professional guidance or a statement of fact about your financial situation.
5.3. You acknowledge that AI systems can produce outputs that sound confident while being incorrect, and you agree to use independent judgment before relying on any AI-generated output from the Service.
6.1. BLUNT uses Plaid Inc. ("Plaid") to connect to your financial institution(s). When you connect a bank account, you are also subject to Plaid's own terms and privacy policy, which we encourage you to review.
6.2. BLUNT does not receive, store, or have access to your online banking username, password, or credentials. Plaid handles authentication directly with your financial institution.
6.3. We receive a read-only feed of transaction data from accounts you choose to connect. We do not have the ability to move money, initiate transactions, or make changes to your accounts.
6.4. You may revoke BLUNT's access to your financial data at any time, either within the app or directly through your financial institution or Plaid's account management tools. Revocation may limit or disable core features of the Service.
6.5. We are not responsible for outages, errors, delays, or inaccuracies originating from Plaid, your financial institution, or any other third-party data source. Transaction data displayed in BLUNT may not reflect real-time account balances or pending holds.
7.1. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.
7.2. You agree to notify us immediately at hello@getblunt.app of any unauthorized use of your account.
7.3. We reserve the right to suspend or terminate accounts that we reasonably believe are being used fraudulently, abusively, or in violation of these Terms.
8.1. THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY OF DATA.
8.2. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF INACCURACIES, INCLUDING INACCURACIES IN TRANSACTION CATEGORIZATION, BALANCE CALCULATIONS, OR AI-GENERATED INSIGHTS.
8.3. Because the Service is currently in private beta, you acknowledge that it may contain bugs, incomplete features, or behave unexpectedly, and that beta status carries inherently elevated risk of error compared to a generally available product.
9.1. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL BLUNT, ITS FOUNDERS, EMPLOYEES, CONTRACTORS, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR FINANCIAL LOSS, ARISING FROM OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
9.2. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).
9.3. Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you.
You agree to defend, indemnify, and hold harmless BLUNT, its founders, and any affiliated individuals from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with: (a) your access to or use of the Service; (b) your violation of these Terms; (c) your violation of any third-party right, including financial institution terms or Plaid's terms; or (d) any financial decision you make based on information from the Service.
11.1. The Service, including its software, design, text, graphics, the "Stash" character and related artwork, and all underlying technology, is owned by BLUNT or its licensors and is protected by intellectual property laws.
11.2. You are granted a limited, non-exclusive, non-transferable, revocable license to use the Service for your personal, non-commercial use, subject to these Terms.
11.3. You may not copy, modify, distribute, sell, lease, reverse-engineer, or create derivative works from any part of the Service without our prior written consent.
If you submit feedback, suggestions, or ideas about the Service, you grant us a perpetual, irrevocable, royalty-free license to use that feedback for any purpose without obligation or compensation to you.
The Service integrates with or relies on third-party services (including Plaid and AI model providers). We are not responsible for the acts, omissions, terms, or policies of these third parties. Your use of such integrated services may be subject to their own separate terms.
14.1. You may stop using the Service and request account deletion at any time by contacting hello@getblunt.app.
14.2. We may suspend or terminate your access to the Service at any time, with or without notice, for conduct that we believe violates these Terms, is harmful to other users, or for any other reason in our sole discretion, particularly given the Service's current beta status.
14.3. Sections of these Terms that by their nature should survive termination (including Sections 4, 5, 8, 9, 10, 11, and 17) will survive.
15.1. The Service is currently offered free of charge during the private beta period described on our website. We reserve the right to modify, suspend, or discontinue the beta, in whole or part, at any time without liability.
15.2. Future pricing, if introduced, will be communicated to users in advance of being charged. Continued use of the Service after the beta period and introduction of paid plans may be treated as acceptance of the then-current pricing terms, subject to applicable consumer protection law.
We may update these Terms from time to time. If we make material changes, we will provide reasonable notice (such as an in-app notification or email to your registered address). Continued use of the Service after changes take effect constitutes acceptance of the revised Terms.
17.1. Agreement to Arbitrate. You and BLUNT agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved through binding individual arbitration, rather than in court, except that either party may bring an individual action in small claims court.
17.2. Class Action Waiver. You and BLUNT agree that any proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.
17.3. Opt-Out. You may opt out of this arbitration agreement by sending written notice to hello@getblunt.app within 30 days of first accepting these Terms.
17.4. Governing Law. These Terms are governed by the laws of Florida, United States, without regard to conflict-of-law principles.
If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force and effect, and the unenforceable provision will be modified to the minimum extent necessary to make it enforceable.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and BLUNT regarding the Service and supersede any prior agreements.
Questions about these Terms can be sent to hello@getblunt.app.