Effective Date: October 28, 2026
Last Updated: October 28, 2026

These Terms of Service (“Terms”) govern your access to and use of Hutsy, including our text-message service, website, web pages, and any related applications and services (collectively, the “Services”) provided by Hutsy Financial Corp. (“Hutsy,” “we,” “us,” or “our”).

By texting Hutsy, creating an account, connecting financial accounts, subscribing, purchasing access to paid features, or otherwise using the Services, you agree to these Terms. If you do not agree, do not use the Services.

1. Eligibility

You must be at least 18 years old and legally capable of entering into binding agreements to use Hutsy. The Services are offered to residents of the United States and Canada. By using the Services, you represent and warrant that you meet these requirements.

2. Nature of the Service

Hutsy is an AI-powered financial coaching and monitoring service that works over text message (iMessage, RCS, or SMS, depending on your device and carrier).

Hutsy may:

• Help you set a money goal, build a plan with weekly milestones, and check in with you every week
• Analyze information you share with us and, if you connect them, your financial accounts
• Track your progress toward your goal and send progress updates, alerts, summaries, and informational insights
• Identify recurring bills and subscriptions and suggest ways to reduce them
• Provide decision-support tools and monitoring features
• Facilitate access to third-party financial products or offers, such as loan options from lending partners, where available and when you ask for them

Hutsy is not:

• A bank
• A lender
• A broker-dealer
• A credit repair organization
• A financial advisor
• A fiduciary
• A law firm or tax advisor

The Services and all outputs are provided for informational and educational purposes only. You remain solely responsible for your financial decisions and actions.

3. No Financial, Legal, or Tax Advice

Hutsy does not provide investment, legal, tax, accounting, credit repair, lending, underwriting, or financial planning advice. Any goals, plans, milestones, alerts, insights, calculations, recommendations, projections, or estimates are based on available data and automated models.

We do not guarantee:

• That you will reach any goal or milestone
• Savings, debt reduction, or bill reductions
• Credit score increases
• Loan approval or loan terms
• Fee avoidance
• Overdraft prevention
• Accuracy or completeness of third-party data
• Any financial outcome

You should consult qualified professionals before making financial, tax, legal, or credit-related decisions.

4. Your Account & Security

Your Hutsy account is linked to the mobile phone number you use to text us. You are responsible for providing accurate information, for keeping your phone and any account credentials secure, and for all activity that occurs under your account or from your phone number.

You must notify us promptly if you believe your account or phone number has been accessed without authorization, if your phone number changes, or if your credentials may have been compromised.

5. Account Connections & Data Access

When you connect financial accounts:

• You authorize Hutsy to access and use financial data via third-party providers such as Plaid and similar providers.
• You confirm you have the legal authority to connect those accounts and authorize access to the related data.
• You understand that data made available through third-party integrations may be delayed, incomplete, unavailable, or inaccurate.

Hutsy does not store your online banking login credentials. Credentials are handled by the applicable third-party connection provider. You may disconnect accounts at any time, including by texting Hutsy, though doing so may limit or disable some features. Automatic tracking is a Hutsy Pro feature; if your Hutsy Pro access ends, we disconnect your bank accounts as described in Sections 8, 9, and 10.

6. Privacy, Data Processing & AI

Your use of the Services is also governed by our Privacy Policy, which explains how we collect, use, disclose, and protect information. By using the Services, you consent to our data practices as described in the Privacy Policy.

Hutsy may use third-party service providers, including messaging providers, AI providers, hosting providers, payment processors, analytics providers, and financial data providers, to operate the Services and generate insights. Depending on the feature used, we may process the messages you send us, your goals and plans, account summaries, balance snapshots, transaction summaries, recurring bills, and other information you share with us.

Where feasible, we may minimize, mask, summarize, tokenize, or otherwise reduce the information sent to third parties. However, the specific data processed may vary depending on the feature used, your connected accounts, and the data available.

You understand and agree that AI outputs are generated automatically, may not always be accurate or complete, and may not be suitable for your circumstances.

7. Plans, Paid Features, Subscriptions, Billing & Renewal

Hutsy Free. Hutsy Free lets you set a goal, build a plan with weekly milestones, and receive one weekly check-in on the day you choose, where you report your own progress. Hutsy Free does not include automatic bank tracking.

Hutsy Pro. Hutsy Pro adds automatic tracking of your goal through your connected bank account, weekly progress updates, alerts when your goal may be at risk, and help finding ways to reduce recurring bills.

• Hutsy Pro costs $120 per year — US$120 for customers in the United States and CA$120 for customers in Canada — billed once a year in advance. Applicable taxes may be added where required.
• The currency is based on the country of your connected bank or, if none is connected, your phone number. The price and currency are shown before you subscribe.
• Hutsy Pro renews automatically every year at the then-current price until you cancel. Where required by law, we will notify you before your subscription renews.
• Payments for Hutsy Pro are processed by Stripe on a secure Stripe-hosted page. By subscribing, you authorize us and our payment processor to charge your payment method for the subscription and each renewal until you cancel.
• Hutsy Pro access begins when your payment method is saved. Your first payment is processed shortly afterwards; see Section 8 if it cannot be processed.

Existing monthly memberships. If you subscribed to a Hutsy monthly membership before Hutsy Pro was introduced, your membership continues on its existing terms (including its price and monthly renewal) until it is cancelled or ends. If it ends and you want a paid plan again, Hutsy Pro will be offered.

Purchases through app stores. If you purchase an auto-renewable subscription through Apple App Store or Google Play, your subscription will automatically renew unless you cancel at least 24 hours before the end of the current billing period, or as otherwise stated by the applicable platform.

Your account will be charged for renewal within 24 hours prior to the end of the current period, subject to the terms of Apple App Store or Google Play. You can manage or cancel your subscription through your Apple ID account settings or Google Play account settings after purchase.

Subscription billing, payment processing, renewals, cancellations, and refunds for in-app purchases are handled by the platform through which you purchased the subscription and are subject to that platform’s terms and policies.

8. Failed Payments and Subsequent Collection

We recognize that customers using Hutsy may occasionally have insufficient funds or experience temporary payment failures.

If an authorized subscription payment cannot initially be processed, Hutsy may continue providing you access to the Services rather than immediately blocking your access solely because the payment failed. Your payment obligation is not cancelled merely because the initial payment attempt was unsuccessful.

To the extent disclosed to you and permitted by applicable law and your payment authorization, you authorize Hutsy and its payment processors to subsequently attempt to collect an outstanding subscription payment using your authorized payment method. As a result, the date a charge appears on your payment method may be later than the date on which your subscription began. A later successful collection of an outstanding subscription payment does not necessarily represent a new or additional subscription fee. It may represent collection of a previously due subscription payment that could not successfully be processed when originally attempted.

Hutsy Pro: if your payment fails, Hutsy Pro stays available while the payment is retried for up to 30 days, and we will send you a secure link to update your payment method. If the payment still cannot be collected, your subscription is cancelled, Hutsy Pro ends, your connected bank account is disconnected, and your account continues on Hutsy Free. Your goal and plan are kept.

Hutsy may also suspend or terminate access to paid Services for unpaid amounts.

9. Cancellation

You may cancel your Hutsy subscription at any time by texting Hutsy (for example, “cancel my plan”), or by contacting us at the email address below. Purchases made through an app store are cancelled through that platform (see Section 7).

When your subscription is successfully cancelled:

• Future renewals will stop in accordance with the cancellation terms applicable to your subscription;
• Hutsy will not intentionally initiate new subscription renewals after the effective cancellation date;
• For Hutsy Pro, your access continues until the end of the period you have paid for; your account then continues on Hutsy Free and your connected bank account is disconnected; and
• Cancellation does not automatically reverse or refund charges that were already incurred or processed before cancellation, except as described in Section 10.

If you cancel Hutsy Pro before any payment has been successfully collected, your subscription ends immediately and no charge will be made.

Cancellation and refunds are separate matters. Cancelling your subscription prevents future subscription renewals but does not, by itself, create a right to a refund for a previous payment.

Opting out of text messages (for example, by replying STOP) stops our messages but does not by itself cancel a paid subscription. To cancel, text Hutsy again at any time or contact us.

10. Refund Policy

14-day refund for Hutsy Pro. If you ask for a refund within 14 days of purchasing Hutsy Pro (for example, by texting “refund”), we will refund the full annual payment you made. Your subscription ends immediately, Hutsy Pro ends, your connected bank account is disconnected, and your account continues on Hutsy Free. The 14-day refund is available once per customer.

Except as described above, or where otherwise required by applicable law, subscription payments that have already been processed are non-refundable. This applies to Hutsy Pro after the 14-day window and to monthly memberships.

When you subscribe to Hutsy, Hutsy begins making the Services and supporting infrastructure available to you. Providing those Services may cause Hutsy to incur third-party costs, including costs associated with financial-data connectivity, artificial intelligence, communications, payment processing, infrastructure, and other technology providers. Therefore, cancelling after your subscription has begun does not ordinarily entitle you to reimbursement for a subscription payment that has already been processed.

Nothing in these Terms limits any refund, cancellation, or consumer right that cannot legally be waived under applicable law.

If you believe you were:

• Charged after a cancellation should have taken effect;
• Charged more than once incorrectly;
• Charged an incorrect amount; or
• Subject to another genuine billing error,

you may contact Hutsy so we can investigate the transaction. For purchases made through an app store, refund requests are handled by that platform.

11. Free Trials & Promotional Offers

We may offer free trials, promotional pricing, discounts, or limited-time offers from time to time. Eligibility, duration, renewal behavior, and limitations of any offer will be disclosed at the time of the offer.

Unless otherwise disclosed, once a trial or promotional period ends, the applicable paid subscription terms will begin and normal recurring charges may apply unless cancelled in accordance with these Terms or the relevant platform’s billing rules.

12. Third-Party Financial Products

Hutsy may introduce, display, facilitate access to, or provide links to financial products offered by independent third parties, such as loan options from lending partners. Those providers operate independently from Hutsy, run their own applications, and make their own decisions. Hutsy is not the lender.

Hutsy does not guarantee:

• Approval;
• Eligibility;
• Loan amounts;
• Interest rates;
• Fees;
• Repayment terms;
• Credit-score changes; or
• Availability of any particular financial product.

You should carefully review the applicable provider’s terms before accepting any financial product.

13. Text Messaging

Hutsy is delivered by text message. By texting Hutsy, you agree to receive recurring automated text messages from Hutsy at the phone number you text from, including replies, weekly check-ins or progress updates, alerts about your goal, reminders, and account and billing notices. Message frequency varies. Message and data rates may apply.

• Reply STOP at any time to stop receiving messages. We will stop sending messages to you. Texting us again later resumes the conversation.
• Reply HELP for help, or contact us at the email address below.
• Opting out of messages does not cancel a paid subscription (see Section 9).
• Messages may be sent by iMessage, RCS, or SMS depending on your device and carrier. Carriers are not liable for delayed or undelivered messages.

14. User Responsibilities

You agree not to:

• Use the Services for unlawful, fraudulent, misleading, or abusive purposes
• Attempt to reverse engineer, decompile, scrape, copy, or exploit the Services
• Interfere with system security, stability, or performance
• Use the Services to test, probe, or bypass security protections
• Attempt to manipulate or exploit Hutsy’s systems, including its AI
• Provide false, misleading, inaccurate, or unauthorized information
• Use another person’s information, phone number, payment information, or connected accounts without authorization
• Use automated systems to abuse the Services

15. AI Limitations

Hutsy uses artificial intelligence and automated systems to analyze financial information and to write its messages.

AI-generated outputs:

• May contain errors or omissions
• May rely on incomplete, delayed, or inaccurate data
• Are probabilistic and not guaranteed
• May not reflect real-time changes or platform outages
• Should not be treated as professional advice

You acknowledge and accept these limitations.

16. Third-Party Services & Links

The Services may integrate with or link to third-party products, services, websites, or content, including messaging providers, financial connection providers, payment processors, lending partners, and app store billing systems. These third-party services are not controlled by Hutsy and may have their own terms, disclosures, and privacy practices.

Hutsy is not responsible for third-party services or content, and your use of them is at your own risk.

17. Intellectual Property

All software, artificial-intelligence systems, prompts, workflows, designs, branding, trademarks, algorithms, text, graphics, interfaces, and content within the Services are owned by Hutsy or its licensors and are protected by applicable intellectual property laws.

Except as expressly allowed by us in writing, you may not copy, modify, distribute, sell, lease, sublicense, reverse engineer, or otherwise exploit the Services.

18. Availability, Changes & Updates

Hutsy depends on telecommunications providers, messaging providers, banks, financial institutions, financial-data providers, artificial-intelligence providers, payment processors, hosting providers, and other third parties. As a result, Hutsy cannot guarantee uninterrupted availability, and features may temporarily stop working because of outages, carrier problems, provider failures, maintenance, security incidents, or other circumstances beyond our reasonable control.

We may modify, suspend, restrict, or discontinue any part of the Services at any time, with or without notice, including features, integrations, pricing for future purchases or renewals (with notice where required by law), functionality, or availability.

We may also issue updates to improve performance, security, reliability, or compliance. Continued use of the Services may require installation of updates where an app is used.

19. Disclaimer of Warranties

To the maximum extent permitted by law, the Services are provided “AS IS” and “AS AVAILABLE” without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, title, non-infringement, accuracy, and uninterrupted availability.

We do not warrant that the Services will be uninterrupted, secure, timely, error-free, or that any outputs, alerts, calculations, plans, summaries, or insights will be accurate, complete, or suitable for your situation.

20. Limitation of Liability

To the maximum extent permitted by law, Hutsy shall not be liable for:

• Financial losses or lost profits
• Credit score changes
• Loan denials, rate changes, or offer changes
• Missed payments, overdrafts, late fees, or interest charges
• Goals or milestones not being reached
• System interruptions, delays, undelivered messages, or service outages
• Third-party data errors or provider downtime
• Indirect, incidental, special, consequential, or punitive damages

To the extent liability cannot be excluded, Hutsy’s total liability for any claim relating to the Services will be limited to the total amount you paid to Hutsy for the Services during the twelve (12) months preceding the event giving rise to the claim, or if you paid nothing, the minimum amount permitted by law.

21. Indemnification

You agree to indemnify, defend, and hold harmless Hutsy and its officers, directors, employees, contractors, affiliates, agents, licensors, and service providers from any claims, damages, liabilities, losses, costs, and expenses (including reasonable attorneys’ fees) arising from or related to:

• Your use of the Services
• Your financial decisions or actions
• Your violation of these Terms
• Your misuse of connected accounts or third-party services
• Your violation of any law or third-party rights

22. Termination

We may suspend, limit, or terminate your account or access to the Services if you:

• Violate these Terms
• Engage in fraudulent, abusive, or suspicious activity
• Misuse or attempt to harm the Services or third-party providers
• Create legal, operational, or security risk for Hutsy or other users

You may stop using the Services or request account deletion at any time by texting Hutsy or contacting us. Termination will not affect rights and obligations that accrued before termination. Sections relating to billing, disclaimers, limitations of liability, indemnification, intellectual property, disputes, and payment obligations will survive termination.

23. Electronic Communications

By using the Services, you consent to receive communications from us electronically, including text messages (see Section 13), emails, receipts and billing notices from our payment processor, push notifications or in-app messages where an app is used, and notices posted through the Services. You may opt out of text messages by replying STOP and manage certain other notification preferences, but some communications are necessary for service operation, billing, compliance, and security.

24. Governing Law & Disputes

These Terms are governed by the laws applicable to Hutsy Financial Corp.’s place of incorporation and operation, without regard to conflict-of-law principles. Unless otherwise required by applicable law, disputes arising from or relating to these Terms or the Services will be brought in the courts located in that jurisdiction, and you consent to personal jurisdiction and venue there.

25. Force Majeure

Hutsy will not be liable for any delay or failure in performance caused by events beyond our reasonable control, including outages, internet or telecommunications failures, acts of government, labor disputes, cyberattacks, provider failures, or natural disasters.

26. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we may provide notice by text message, through the website, by email, or by other reasonable means. Your continued use of the Services after the updated Terms become effective means you accept the revised Terms.

27. Apple App Store & Google Play Additional Terms

If you download or use a Hutsy app through Apple App Store or Google Play (where available), you acknowledge that Apple and Google are not responsible for the Services, their content, maintenance, support, warranty claims, product claims, or legal compliance, except as required by their respective platform terms.

Your use of the app is also subject to the applicable platform usage rules and billing terms.

Apple’s Standard End User License Agreement (EULA) is available here: https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

28. Contact Us

If you have questions about these Terms, contact us at:

Hutsy Financial Corp.
Email: contact@hutsy.com
Website: https://hutsy.com/terms-of-service/