Terms of Service
Effective date: July 20, 2026
The short version
Sevi teaches you about money — it doesn't manage it, and nothing here is professional financial advice. Be 13 or older (with a parent's permission if you're under 18), use the app honestly, and double-check anything important with a licensed professional before acting on it.
1. Agreeing to these terms
By creating an account or using Sevi, you agree to these Terms of Service and to our Privacy Policy. If you don't agree, please don't use Sevi.
2. Who can use Sevi
You must be at least 13 years old. If you are under 18, you may use Sevi only with the permission of a parent or legal guardian, who agrees to these terms on your behalf and is responsible for your use of the service.
3. Education, not advice
Sevi exists to teach financial concepts. Everything in the app — lessons, quizzes, calculators, scores, and AI coach responses — is educational content only, and is not financial, investment, tax, accounting, or legal advice. We are not a bank, broker, registered investment adviser, or fiduciary. Calculator results and examples are simplified illustrations, not predictions or recommendations. Before making real financial decisions, consult a licensed professional who knows your situation.
The AI coach generates responses automatically. AI-generated content can be wrong, incomplete, or outdated — verify anything important before acting on it.
4. Your account
Keep your sign-in credentials secure, provide accurate information, and let us know if you believe your account has been compromised. You are responsible for activity on your account.
5. Fair use
When using Sevi, you agree not to:
- break the law, or use the service to harm yourself or others;
- attempt to bypass rate limits, probe or overload our systems, or manipulate the AI coach into ignoring its safety instructions;
- scrape, resell, or bulk-extract Sevi's content or other users' data;
- impersonate someone else or create accounts for anyone under 13;
- enter racist, sexist, violent, or otherwise abusive language anywhere in the app, including in savings goals, trade notes, or any other text input.
The AI coach has daily and per-minute message limits so it stays fast and available for everyone. We may suspend or terminate, without notice, any account that violates this section — in particular, accounts that submit racist, sexist, or violent content.
6. Your data and our content
The information you enter belongs to you; you give us permission to store and process it to run the service, as described in the Privacy Policy. Sevi's lessons, design, and software belong to us; we give you a personal, non-transferable license to use them through the app.
7. Free service and changes
Sevi's core features are currently free. We may add optional paid features in the future, and we may change, suspend, or discontinue parts of the service as it evolves. We'll give reasonable notice of material changes.
8. Disclaimers
Sevi is provided "as is" and "as available," without warranties of any kind, express or implied — including accuracy, availability, fitness for a particular purpose, and non-infringement.
9. Limitation of liability
To the fullest extent permitted by law, Sevi and its operators are not liable for indirect, incidental, special, or consequential damages, or for financial decisions you make based on the app's educational content. Our total liability for any claim relating to the service is limited to the greater of $50 or the amount you paid us in the twelve months before the claim.
10. Ending your use
You can stop using Sevi and request account deletion at any time. We may suspend or terminate accounts that violate these terms, with notice where practicable.
11. Governing law
These terms are governed by the laws of the United States and the state in which Sevi's operator is established, without regard to conflict-of-law rules.
12. Changes to these terms
If we materially change these terms, we'll update the effective date above and notify you in the app. Continuing to use Sevi after changes take effect means you accept them.