Terms of Service

Not financial, investment, tax, or legal advice

Foundera is an educational modeling and budgeting tool, not a financial advisor. Its projections are estimates generated from the assumptions you enter and simplified models of taxes, markets, and other factors. Actual results will differ, often significantly. Nothing in Foundera is a recommendation to buy, sell, or hold any security or to take any financial action. Consult a qualified professional before making decisions. You are solely responsible for your financial choices.

Eligibility & your account

You must be at least 18 to create an account. You’re responsible for keeping your password secure and for activity under your account. Tell us promptly if you suspect unauthorized access.

Acceptable use

Don’t misuse the service: no attempts to breach security or access others’ data, no automated abuse, no reverse-engineering for harmful purposes, and no unlawful use.

Subscriptions, billing & cancellation

Foundera offers optional paid plans (Plus and Pro) billed monthly or annually. Payments are processed by Stripe; we never receive or store your full card details. By subscribing you authorize us, through Stripe, to charge your payment method the then-current fee for your plan.

Auto-renewal. Paid plans renew automatically at the end of each billing period (monthly or annual) at the then-current price, until you cancel. You can cancel anytime from Plans & billing → Manage plan (Stripe’s billing portal); cancellation stops future renewals, and your paid features stay active through the end of the period you’ve already paid for.

Refunds. Fees are billed in advance and are non-refundable except where required by law — canceling prevents future charges but does not retroactively refund the current period.

Price changes & taxes. We may change plan prices or features; we’ll give reasonable notice and any change applies to your next renewal, not the period you’ve already paid for. Prices are exclusive of any applicable taxes, which may be added at checkout. The free Starter tier has no charge.

Founder Pass

The Founder Pass is a one-time purchase, not a subscription: nothing renews and nothing recurs. It grants the features of the Pro tier, as those features exist from time to time, to the account that bought it.

What it covers. The Pass follows the Pro tier rather than a fixed feature list. If we add features to Pro, the Pass includes them. If a feature is retired for all users, or a third-party service it depends on becomes unavailable to us, the Pass does not preserve it. The Pass does not cover charges billed by third parties.

Term. The Pass lasts for as long as we operate Foundera as a paid service. It is tied to your account and is not transferable or resellable.

Refunds. The Pass is refundable in full within 30 days of purchase — email us and we’ll process it. After 30 days it is non-refundable except where required by law.

If we discontinue Foundera. If we stop operating the service, we’ll give at least 90 days’ notice by email and in the app, keep your export tools working through that period, and refund Pass holders a pro-rated amount if the discontinuation falls within 24 months of purchase. Your plan data is a file you own and can export at any time.

If Foundera is acquired. The Pass transfers with the service. An acquirer takes it on the same terms, or the discontinuation terms above apply.

Your data & backups

You retain ownership of the information you enter. We grant you the ability to export it; we recommend keeping your own backups of anything important. You’re responsible for the accuracy of what you enter.

Service “as is”; no warranty

Foundera is provided “as is,” without warranties of any kind. We don’t guarantee that calculations are error-free, that the service will be uninterrupted, or that it fits a particular purpose.

Limitation of liability

To the maximum extent permitted by law, we are not liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, for lost profits, lost savings, or lost data, or for any investment, tax, or other financial loss arising from your use of Foundera — including any decision you make in reliance on a projection, ranking, or estimate the app produces.

Cap. To the maximum extent permitted by law, our total liability to you for all claims relating to Foundera will not exceed the greater of (a) the amount you paid us in the twelve months before the event giving rise to the claim, or (b) one hundred US dollars ($100).

Some jurisdictions do not allow the exclusion or limitation of certain damages, so parts of this section may not apply to you. Nothing here limits liability that cannot be limited by law.

Indemnification

You agree to indemnify and hold harmless Foundera and its owner from any claim, demand, loss, or expense (including reasonable legal fees) arising out of your misuse of the service, your violation of these terms or of any law, or your infringement of someone else’s rights. We’ll notify you of any such claim and you may control its defense, provided any settlement that imposes an obligation on us needs our written consent.

Dispute resolution & arbitration

Please read this section carefully — it affects how disputes between us are resolved, and it limits your right to bring a class action or to have a dispute decided by a jury.

Talk to us first. If you have a problem, email support@founderafinancial.com and describe it. Most things are fixable this way, and we agree to try in good faith for 30 days before either of us starts a formal proceeding.

Arbitration. If we can’t resolve it, you and we agree that any dispute arising out of or relating to Foundera or these terms will be settled by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court. The arbitration will be held in the county where you live or by video, at your choice, and the arbitrator’s decision may be entered as a judgment in any court with jurisdiction.

Small claims and injunctions are excluded. Either of us may bring an individual claim in small claims court, and either of us may seek injunctive relief in court for misuse of intellectual property or unauthorized access.

No class actions. You and we agree to bring claims only in an individual capacity, and not as a plaintiff or class member in any class, consolidated, or representative proceeding. An arbitrator may not consolidate claims or preside over any form of representative proceeding. If this paragraph is found unenforceable, the rest of this arbitration section is void as to that claim.

You can opt out. You may decline this arbitration agreement by emailing support@founderafinancial.com with the subject line “Arbitration opt-out” within 30 days of first accepting these terms. Opting out costs you nothing and does not affect your account or any other part of these terms.

Termination

You may stop using Foundera and delete your account at any time. We may suspend or end access that violates these terms.

Changes

We may update the service and these terms. When a change is material, we’ll raise the version date above, notify you in the app, and ask you to accept the revised terms before you continue using an account. Continued use after a non-material change means you accept it.

Governing law

These terms are governed by the laws of the State of Nevada, United States, without regard to conflict-of-laws rules. For any dispute not subject to arbitration, you and we consent to the exclusive jurisdiction of the state and federal courts located in Clark County, Nevada. If you live in a place whose consumer-protection law gives you rights that cannot be waived by agreement, this section does not take those rights away.

If you installed Foundera from an app store

These terms are between you and Foundera only — not Apple or Google. The store you installed from is not responsible for Foundera, for its content, or for any claim you have about it, and has no obligation to provide support or maintenance for it.

If the app fails to conform to any warranty that applies, you may notify Apple and Apple will refund the purchase price of the app; to the maximum extent permitted by law, Apple has no other warranty obligation with respect to the app. We, not the store, are responsible for handling any claim that the app or your use of it infringes someone’s intellectual property, fails to comply with legal or regulatory requirements, or gives rise to a product-liability or consumer-protection claim.

You represent that you are not located in a country subject to a US Government embargo and are not on any US Government restricted-parties list. Apple and Google are third-party beneficiaries of these terms and may enforce them against you.

General

Entire agreement. These terms and the Privacy Policy are the whole agreement between us about Foundera and replace anything said before.

Severability. If any part is held unenforceable, the rest stays in force and that part is narrowed to the minimum extent needed to make it enforceable.

No waiver. If we don’t enforce a provision right away, we haven’t given it up.

Assignment. You may not assign these terms without our consent. We may assign them to a successor in connection with a merger, acquisition, or sale of assets, subject to the Founder Pass terms above.

Notices. We’ll reach you at the email on your account or in the app; reach us at support@founderafinancial.com. Keep your email current — it is how we send legal and billing notices.

Force majeure. Neither of us is liable for a delay or failure caused by something outside our reasonable control, including outages at a provider Foundera depends on.