Terms of Use

Last updated: October 17, 2026

These Terms of Use (“Terms”) are an agreement between you and Jelli Finance Co. (“Jelli”, “we”, “us”). They cover everything Jelli runs: the Jelli app for iPhone and iPad, our website jelli.us, and Jelli for AI assistants at mcp.jelli.us (together, the “Services”). By using the Services, you agree to these Terms and to our Privacy Policy, which explains how we handle your information. If you don’t agree, please don’t use the Services.

1. What Jelli is, and what it isn’t

  • •  Jelli is a budgeting tool. It helps you plan and track your money in virtual jars.
  • •  Jelli is not a bank, money transmitter, lender or broker. We never hold or move your money. Jars, transfers and assignments in Jelli are entries in your budget; your real money stays in your bank accounts.
  • •  Jelli doesn’t give financial, investment, tax, credit or legal advice. Budgets, suggestions, balances and answers from JJ are for your information only. Decisions about your money are yours.
  • •  Balances and transactions come from your bank through our partners, and may be late, incomplete or wrong. Check important figures with your bank.

2. Who can use Jelli

  • •  You must be at least 13 years old to use Jelli, or 16 in the EEA and UK.
  • •  If you’re under 18 (or the age of majority where you live), you need permission from a parent or guardian, and they agree to these Terms for you.
  • •  You may only connect accounts you’re allowed to access, and only use the Services where the law allows it.

3. Your account

  • •  You sign in with your email address, so keep your email account secure. Anyone who can read your email can sign in to your Jelli.
  • •  Give us accurate information, and tell us at help@jelli.us if you think someone else got into your account.
  • •  Your account is for you. Share my Jelli lets you invite others to help run your budget. You’re responsible for the people you invite and what they change, and you can end a share at any time.
  • •  You can delete your account at any time in the app: Profile › Delete account.

4. Connecting your bank and cards

  • •  We connect to your bank and card accounts through Plaid. By connecting an account, you authorize Jelli and Plaid to access and import your account information, and you agree to Plaid’s End User Privacy Policy. We never see your bank username or password.
  • •  Apple Card, Apple Cash and Savings are imported through Apple’s FinanceKit, only after you allow it on your iPhone.
  • •  Access is read-only. Jelli can’t move money out of your accounts.
  • •  Banks and our partners can change or stop a connection at any time. You can disconnect an account in the app whenever you like.

5. AI features

  • •  Jelli uses AI to build your starter budget, suggest jars for your transactions, read receipts you scan, answer you as JJ, and power the chat on our website. Our Privacy Policy lists the AI providers and what each one receives.
  • •  AI can make mistakes. Review what JJ suggests before you rely on it. JJ asks you before it changes your budget, and you’re responsible for changes you confirm.
  • •  Don’t use AI features to break the law, to get around these Terms, or to try to get information about other people.
  • •  Connect your AI. If you connect your own AI assistant, such as Claude or ChatGPT, it can read your budget and propose changes for you to confirm. That assistant is provided by another company under its own terms, and you’re responsible for how you use it. You can disconnect it at any time.

6. Subscriptions, free periods and payments

  • •  Some features need a paid subscription. Plans and prices are shown in the app before you buy, and plans differ in how many accounts they track.
  • •  Subscriptions are sold through Apple’s App Store and billed by Apple to your Apple Account. They renew automatically each month at the price shown unless you cancel at least 24 hours before the renewal date.
  • •  To cancel or change your plan, go to Settings › Apple Account › Subscriptions on your iPhone. Cancelling stops the next renewal; you keep access until the end of the period you paid for. Deleting your Jelli account doesn’t cancel an App Store subscription.
  • •  Free periods and free trials are described in the app when they’re offered. An App Store free trial starts when you subscribe and converts to a paid subscription unless you cancel before it ends.
  • •  Refunds are handled by Apple under Apple’s rules. Request one at reportaproblem.apple.com.
  • •  We may change prices. Apple tells you before a price change affects your subscription, and you can cancel before it does.
  • •  If your subscription or free period ends, Jelli stops syncing your banks and may disconnect them. Your budget stays in your account, and you can reconnect when you subscribe again.
  • •  Promo codes can only be used once per person, have no cash value, can’t be sold or transferred, and may expire. We may end a promo at any time.

7. JelliBEANS and rewards

JelliBEANS, achievements and Jar Themes are rewards for using Jelli. They have no cash value, can’t be bought, sold, exchanged or transferred, and aren’t property. We may change or end the rewards program at any time.

8. Acceptable use

When you use the Services, don’t:

  • •  break the law, or use Jelli for fraud or to hide where money comes from;
  • •  access accounts or data that aren’t yours, or invite people to a Jelli that isn’t yours to share;
  • •  copy, scrape or harvest the Services or their data with automated tools, except through the AI connection we provide;
  • •  reverse engineer, decompile or try to get around our security or usage limits;
  • •  overload, disrupt or attack the Services, or upload malware;
  • •  send abusive, harassing or unlawful content to our support team, to JJ or to people you invite.

We may suspend or close an account that breaks these rules.

9. Your content and feedback

  • •  Your budget, your transactions and what you type into Jelli are yours. You give us permission to store and process them only as needed to provide the Services, as described in our Privacy Policy.
  • •  If you send us ideas or feedback, we may use them without paying you or owing you anything.

10. Our property

The Services, including the Jelli name and logo, jars, JJ, JelliBEANS, our designs and software, belong to Jelli or our licensors. We give you a personal, non-exclusive, non-transferable right to use the Services under these Terms. We keep all other rights.

11. The Jelli app and Apple

  • •  If you downloaded Jelli from Apple’s App Store, Apple’s standard Licensed Application End User License Agreement also applies to your use of the app. Where it conflicts with these Terms, these Terms apply to the extent the law allows.
  • •  These Terms are between you and Jelli, not Apple. Jelli, not Apple, is responsible for the app and its content.
  • •  Apple has no obligation to provide maintenance or support for the app.
  • •  If the app fails to meet a warranty that applies, you can tell Apple, and Apple will refund the purchase price (if any). To the extent the law allows, Apple has no other warranty obligation for the app.
  • •  Jelli, not Apple, is responsible for handling claims about the app, including product liability claims, claims that the app breaks a law or regulation, consumer protection claims, and claims that the app infringes someone’s intellectual property.
  • •  You confirm that you’re not located in a country subject to a U.S. government embargo or designated as supporting terrorism, and that you’re not on a U.S. government list of prohibited or restricted parties.
  • •  Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

12. Other companies’ services

The Services work with services from other companies, such as Plaid, Apple, AI providers and social media sites. Their own terms apply when you use them, and we aren’t responsible for them.

13. Changes and ending the Services

  • •  We keep improving Jelli, so features may change, and we may stop offering some of them.
  • •  We may update these Terms. We’ll change the date at the top, and tell you in the app or by email before a significant change takes effect. If you keep using the Services after that, the new Terms apply.
  • •  You can stop using Jelli and delete your account at any time. We may suspend or end your access if you break these Terms or if we must by law. Sections 7 to 10 and 14 to 16 still apply after your account ends.

14. Disclaimers

To the extent the law allows, the Services are provided “as is” and “as available”. We don’t promise that they will be uninterrupted, error-free or accurate, or that they will meet your needs, and we disclaim implied warranties of merchantability, fitness for a particular purpose and non-infringement. Some places don’t allow these disclaimers, so they may not apply to you.

15. Limits on our liability

To the extent the law allows, Jelli isn’t liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, lost data or financial decisions you make using the Services. Our total liability for any claim about the Services is limited to the greater of the amount you paid for Jelli in the 12 months before the claim, or US$50. Nothing in these Terms limits liability that can’t be limited by law, or your rights as a consumer where you live.

16. Governing law and disputes

These Terms are governed by the laws of the State of Utah, without regard to its conflict of law rules. Any dispute about the Services will be heard in the state or federal courts located in Utah, and you and Jelli agree to their jurisdiction. If you live in the EEA, the UK or another place whose consumer laws give you the right to bring claims in your local courts, you keep that right. Before going to court, please email us at help@jelli.us so we can try to sort it out.

17. General

  • •  These Terms and our Privacy Policy are the whole agreement between you and Jelli about the Services.
  • •  If part of these Terms can’t be enforced, the rest still applies.
  • •  If we don’t enforce a right straight away, we haven’t given it up.
  • •  You may not transfer these Terms to anyone else. We may transfer them as part of a merger, acquisition or sale of assets.
  • •  If a translated version differs from this English version, the English version applies.

Contact. Jelli Finance Co., help@jelli.us.