Terms of Service

1. Acceptance

By creating an account or using Silver Dollar, you agree to these Terms of Service and our Privacy Policy. If you do not agree, do not use the service.

2. What Silver Dollar is (and is not)

Silver Dollar is a family organization service. It includes home inventory and shared care coordination. A read-only Financial Care module is built, but it is not currently available to families. Production access is disabled and no bank data flows today. If access opens, it may show account and transaction information and flag activity for a family to review, and would be limited to family owners and co-owners who complete multi-factor authentication.

Silver Dollar does not:

• Provide legal, financial, tax, or estate-planning advice or services.
• Create, execute, or modify wills, trusts, or any other legal or estate-planning documents.
• Move money, initiate transfers or payments, change an account, or act as a bank, investment adviser, financial adviser, or credit-repair service.
• Guarantee that every suspicious transaction will be detected or that every alert identifies fraud, exploitation, or wrongdoing.
• Guarantee any particular outcome for your estate or the distribution of your possessions.

The intended recipient feature is an organizational tool only. It does not replace your will or trust.

3. Your account and family roles

You must be 13 or older to use Silver Dollar. You must be at least 18 to connect a financial account. You are responsible for keeping your account credentials secure and for all activity that occurs under your account.

Each Silver Dollar family has one owner and may include co-owners, managers, and viewers. The owner controls who has access, what role each member holds, and whether the family continues to exist. If you are invited to a family, the owner may remove you or change your role at any time.

If Financial Care access opens, it will be limited to owners and co-owners. When connecting an account, you must truthfully identify whose account it is and confirm that you are the account holder or have the account holder's permission to connect it for read-only family monitoring. Plaid may also present its own disclosures and obtain consent from the account holder or authorized user.

4. Acceptable use

You agree not to:

• Use Silver Dollar for any purpose that is unlawful or prohibited by these terms.
• Upload content that violates the rights of others, including intellectual property rights or privacy rights.
• Attempt to gain unauthorized access to other families' data or to the underlying systems.
• Use automated means to scrape, crawl, or extract data from the service without our written permission.
• Impersonate another person or family member.
• Connect, view, or monitor a financial account without the account holder's permission or other lawful authority.

5. Your content and the license you grant us

You own the photos, videos, item descriptions, stories, and other content you add to Silver Dollar. Financial institutions and data providers may retain rights in information they make available through Money. By providing content or directing a provider to share information with Silver Dollar, you grant Silver Dollar Inc. a limited, non-exclusive license to store, process, and display that content to the active members of your family and to provide the features of the service to you. We do not claim ownership of your content, and we do not use it to train AI models offered to third parties.

You are responsible for ensuring you have the right to upload the content you add. Do not upload content that infringes a third party's copyright, trademark, or other rights.

6. AI-generated suggestions

Silver Dollar uses AI to suggest item details, power search, and write plain-language explanations for alerts that have already been triggered by the Money rule engine. AI does not decide whether to create an alert or change its severity. AI-generated content is informational only and may be inaccurate, incomplete, or out of date. You are responsible for reviewing and verifying any AI-generated suggestion before relying on it. AI suggestions do not constitute legal, financial, tax, or estate-planning advice.

7. Availability and "as is"

We work hard to keep Silver Dollar available and reliable, but we cannot guarantee uninterrupted or error-free service. The service is provided "as is" and "as available" without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement.

8. Limitation of liability

To the fullest extent permitted by law, Silver Dollar Inc. and its officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the service, even if we have been advised of the possibility of such damages. Our total liability to you for any claim arising from these terms or the service will not exceed the amount you paid us in the 12 months before the claim arose.

Money alerts are a review aid, not fraud prevention, financial advice, or an emergency service. You remain responsible for reviewing accounts and contacting the financial institution, emergency services, adult protective services, or law enforcement when appropriate.

9. Termination

You may stop using Silver Dollar and delete your account at any time. We may suspend or terminate your account if you violate these terms, with or without notice. Upon termination, your right to use the service ends. You may export your data before terminating; see the Privacy Policy for data retention details.

If Financial Care access opens, disconnecting it stops future monitoring and begins revocation of Silver Dollar's provider access. Previously received records remain available for up to 30 days before automatic deletion, unless a shorter deletion request applies, as described in the Privacy Policy.

10. Changes to these terms

We may update these terms from time to time. When we make material changes, we will update the "Last updated" date and notify you by email or in-app notice where appropriate. Continued use of Silver Dollar after a terms update constitutes acceptance of the revised terms.

11. Contact

Questions about these terms? Email us at hello@sd4me.com. Silver Dollar Inc., a Delaware corporation.