Terms of Service

Last Updated: May 20, 2026

Notice Regarding Dispute Resolution

These Terms contain a mandatory arbitration provision. Please read Section 9 carefully. It requires that disputes be resolved by binding, individual arbitration. By agreeing to these Terms, you waive your right to a jury trial or to participate in a class action lawsuit or class-wide arbitration.

1.Introduction and Acceptance of Terms

These Terms of Service (the “Agreement”) constitute a legally binding contract between you (“User,” “you,” or “your”) and Aurora Finance (“aurorafinance.app,” “we,” “us,” or “our”). This Agreement governs your access to and use of our website, mobile applications, and all associated financial management tools, and AI-powered services (collectively, the “Services”).

By accessing or using the Services, you agree to be bound by these Terms, our Privacy Policy, and any applicable regional addenda. Your continued use of the Services signifies your acceptance of these Terms in their entirety.

2.Eligibility and Account Registration

Eligibility. To use the Services, you must be at least 18 years of age and possess the legal capacity to form a binding contract.

Registration and Identity Verification. You must provide accurate, current, and complete information during registration. You authorize Aurora Finance to make any inquiries necessary to validate your identity. This may include:

Requiring your Social Security Number (for U.S. residents) or a valid form of government-issued identification.
Verifying your information against third-party databases.
Ordering a credit report to authenticate your financial profile.
Requiring steps to confirm ownership of your email address or linked financial instruments.

Failure to provide requested information or our inability to verify your identity constitutes grounds for immediate refusal or termination of access.

3.Description of Services & AI Features

Aurora Finance provides personal finance management (“PFM”) tools that allow you to consolidate, track, and manage your financial data.

3.1 Premium and Premium+ Tiers. Certain Services are offered on a subscription basis. Premium+ includes all standard features plus access to Agent Services powered by artificial intelligence.

3.2 Agent and AI-Powered Services. User Responsibility: You are solely responsible for all instructions and decisions made via the Agent. You must review and confirm all AI-generated outputs, recommendations, or proposed workflows before execution.

Accuracy Disclaimer: AI-generated content may be inaccurate, incomplete, or unsuitable for your specific financial situation. Outputs are not a substitute for professional financial, legal, or tax advice.
No Guarantee: Aurora Finance does not warrant that AI Services will be error-free or available at all times and reserves the right to modify or discontinue these features without notice.

4.Data Retrieval and Limited Power of Attorney

Notice of Agency and Appointment: To provide the Services, Aurora Finance retrieves your information maintained by third-party financial institutions. By providing credentials for your third-party accounts, you are expressly directing us to access your data on your behalf.

4.1 Limited Power of Attorney. For the sole purpose of providing the Services, you hereby grant Aurora Finance a limited power of attorney, and appoint the company as your attorney-in-fact and agent, with full power of substitution and re-substitution, to access third-party sites, servers, or documents. This authority includes, but is not limited to:

Retrieving and using your financial information.
Negotiating bills and identifying savings opportunities.
Initiating subscription cancellations as requested.
Performing every act necessary to be done in connection with such activities as you could do in person.

4.2 Notice of Agency

YOU ACKNOWLEDGE AND AGREE THAT WHEN AURORA FINANCE ACCESSES AND RETRIEVES INFORMATION FROM THIRD-PARTY SITES, AURORA FINANCE IS ACTING AS YOUR AGENT AND NOT AS THE AGENT OF OR ON BEHALF OF THE THIRD-PARTY INSTITUTION.

4.3 Legal Status. Aurora Finance is a technology provider. You acknowledge that we are not a financial institution (as defined by the GLBA), a consumer reporting agency (as defined by the FCRA), a creditor, or an investment advisor. The Services do not constitute a “consumer report” under the FCRA.

5.Technical Infrastructure and Third-Party Partners

Aurora Finance maintains the following infrastructure to ensure secure data transmission and service availability:

Data Hosting: Managed through Amazon Web Services (AWS) regional data centers.
Open Finance Infrastructure: Provided via Lean Technologies, which holds In-Principle Approval (IPA) from the Central Bank of the UAE (CBUAE) and a Financial Services Permission from the ADGM.
Payment Processing: Handled by Stripe, Inc., Apple, and Google.
Data Aggregation: We utilize secure providers including Lean, Plaid, and MX for encrypted financial connectivity.

6.Regional Compliance Addenda

6.1 United Arab Emirates (UAE). Aurora Finance operates in compliance with the CBUAE Open Finance Framework and supports the AlTareq national initiative. Our data infrastructure adheres to ISO 27001 and SOC 2 standards. All regulated infrastructure is provided by partners (e.g., Lean Technologies) holding ADGM Financial Services Permissions.

6.2 Hong Kong. We adhere to the HKMA Phase III Open Banking framework regarding the sharing of customer information and secure account integration.

6.3 Japan. Aurora Finance operates as an Electronic Payment Intermediate Service Provider in accordance with national regulations governing third-party access to banking APIs.

6.4 Taiwan. We adhere to the “Subsidiary Model” and “Commission Model” for data handling. Opt-In Consent: Usage of any data beyond Name and Mailing Address is strictly prohibited without an executed written opt-in consent form from the user.

6.5 Philippines. We maintain compliance with BSP Circular 1122 regarding the Open Finance Framework, ensuring data portability and interoperability.

7.User Conduct and Prohibited Uses

You are granted a personal, non-transferable right to use the Services for lawful purposes only.

Prohibited Activities

Extraction: You shall not use any "robot," "spider," "scraper," or automated gathering tool to crawl or monitor the Services.
Reverse Engineering: You shall not reverse assemble, decompile, or otherwise attempt to discover the source code, algorithms, or model weights of our AI Services.
ML Training: You are strictly prohibited from using the Services or their outputs to develop or train any competitive machine learning or artificial intelligence models.
Interference: You shall not transmit any viruses, logic bombs, or code intended to damage or surreptitiously intercept data.

8.Disclaimers and Limitation of Liability

8.1 Disclaimer of Warranties

THE SERVICES ARE PROVIDED ON AN “AS-IS” AND “AS AVAILABLE” BASIS. AURORA FINANCE AND ITS SUPPLIERS MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, AS TO THE OPERATION OF THE SERVICES OR THE ACCURACY, RELIABILITY, OR COMPLETENESS OF THE CONTENT. YOUR USE OF THE SERVICES IS AT YOUR SOLE RISK.

8.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, AURORA FINANCE SHALL NOT BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, OR CONSEQUENTIAL DAMAGES. AURORA FINANCE'S TOTAL AGGREGATE LIABILITY SHALL BE LIMITED TO THE GREATER OF (I) $500.00 (FIVE HUNDRED DOLLARS) OR (II) THE TOTAL FEES PAID BY YOU TO THE COMPANY IN THE PRECEDING 12 MONTHS. SUBJECT TO APPLICABLE LOCAL LAW WHICH MAY NOT BE WAIVED, THESE LIMITATIONS APPLY TO ALL CLAIMS REGARDLESS OF THE FORM OF ACTION.

9.Mandatory Arbitration and Class Action Waiver

9.1 Governing Law. This Agreement is governed by the laws of the State of Michigan, without regard to conflict of law principles.

9.2 Binding Arbitration. Any dispute relating to the Services will be resolved by binding arbitration administered by FedArb or JAMS under their respective consumer rules.

9.3 Mandatory Pre-Arbitration Notice. You must provide written notice of a dispute to [email protected]. You must allow a 60-day informal resolution period before filing for arbitration.

9.4 Coordinated Claims (Mass Arbitration). If 30 or more users provide notice of substantially similar claims through coordinated counsel, the claims shall proceed in a bellwether proceeding.

Counsel for both sides shall each select 15 claims to proceed to arbitration first.
The remaining claims shall be stayed and all statutes of limitations tolled.
Following the bellwether results, the parties must engage in a global mediation before any remaining individual claims may be filed.

9.5 Class Action Waiver

ALL DISPUTES MUST BE BROUGHT IN AN INDIVIDUAL CAPACITY. YOU EXPRESSLY WAIVE THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR LITIGATE ON A CLASS-WIDE BASIS. If this waiver is found unenforceable, the entirety of this Section 9 (Arbitration) shall be null and void.

10.Modifications and Termination

Modifications. We reserve the right to modify these Terms or service fees at any time. Material changes will be notified via email or site posting. Continued use constitutes acceptance.

Termination. You may terminate your account by emailing [email protected]. Upon termination, you are responsible for manually disconnecting or revoking all third-party API connections and financial institution links within the App to ensure no residual data retrieval occurs. Aurora Finance may suspend access immediately for any breach of these Terms.

11.Contact Information

For support, legal inquiries, or account termination, contact us through the following channels:

Channel	Detail
Website	aurorafinance.app
Support Email	[email protected]
Legal Inquiries	[email protected]