Terms of Use

1.1 Miva is provided by Elbadri Innovations LLC (the “Company”, “we”, “us”).

1.2 By creating an account or using Miva, you agree to these terms.

2.1 Miva is in a private beta. Access is by invitation.

2.2 Features may change or be removed during the beta. The service may be interrupted. We may end the beta and will give notice where we can.

3.1 The Free plan costs nothing. The Premium plan starts with 14 days free: you choose Premium and confirm its price on the payment page, and the first charge is made 14 days later unless you cancel before then. The free period is given once to each member.

3.2 The 14 days free are for Premium only. SimpleFIN is a separate service: you pay SimpleFIN directly, at its own price, from its first day, and nothing to us for it. If you cancel Premium, your account moves to the Free plan at the end of the free period or of the month already paid for. Bank connections the Free plan does not include stop updating; nothing you have stored is deleted.

3.3 The Premium plan is priced per bank login you connect through Plaid, plus a monthly administration amount. Its price is the sum of those parts. Account, Plan shows each part and the total, and the price a bank adds is shown before you connect it. Premium is charged once a month.

3.4 The price includes payment processing. There is no separate charge for paying by card, and the price does not depend on how you pay.

3.5 When you connect or remove a bank login, your monthly price changes from that day. Stripe adjusts the current month in proportion (prorates it) on your next monthly charge.

3.6 We will state the price and obtain your agreement before any charge is made. A paid plan starts only when you choose it and confirm the price, and any applicable tax, on the payment page.

3.7 A paid plan renews automatically each month, at the price then in effect for the bank logins you have connected, until you cancel. You can cancel at any time in Account, Plan; the plan then ends at the close of the period already paid for, and no further charge is made.

3.8 If a renewal payment fails, your paid plan continues for 7 days while you update your payment method. After that, your account moves to the Free plan until a payment succeeds.

3.9 Payments are processed by Stripe. We do not see or store your card number.

3.10 Connecting a bank through SimpleFIN Bridge is included in the Free plan; Miva does not charge for it. SimpleFIN Bridge charges for its own service under its own terms, separately from Miva.

4.1 You must be at least 18 years old and invited to create an account.

4.2 An account is for one person. You are responsible for activity under your sign-in.

4.3 Tell us promptly at muhammadmelbadri@gmail.com if you believe someone else has accessed your account.

5.1 Miva calculates figures, including safe-to-spend amounts, payoff dates and budgets, from the information it receives. That information can be late, incomplete or wrong, and the figures can be wrong as a result.

5.2 The figures are not a promise or a recommendation to buy, borrow, pay or invest. The Company is not a bank, a financial adviser, a tax adviser or a law firm.

5.3 Decisions about your money are yours. For important decisions, confirm figures with your bank and consult a qualified professional.

6.1 You may connect a bank through Plaid or SimpleFIN Bridge. Each is a separate service with its own terms.

6.2 Bank connections are read-only. Neither Miva nor the connection provider can move money.

7.1 You may not attempt to access another person’s data, overload or attack the service, copy the service, or use it for an unlawful purpose. We may suspend an account that does.

8.1 Your data belongs to you. You permit us to store and process it to provide Miva, as described in the Privacy Policy.

8.2 We may use feedback and suggestions you send to improve Miva, without obligation to you.

9.1 You may delete your account at any time in Account. We may end your access if you breach these terms or when the beta ends.

10.1 Miva is provided “as is” and “as available”. To the extent the law allows, the Company makes no warranty that the service will be uninterrupted or free of errors, that its figures will be accurate or current, or that it will be fit for a particular purpose. This includes warranties the law would otherwise imply.

11.1 To the extent the law allows, the Company is not liable for indirect or consequential losses arising from your use of Miva or reliance on its figures, including late fees, overdraft charges, lost savings and lost data. Where the Company is liable, its total liability is limited to the amount you paid the Company in the twelve months before the claim. Some jurisdictions do not allow these limits, and they may not apply to you.

12.1 We will notify you before a material change to these terms takes effect.

12.2 Questions about these terms may be sent to muhammadmelbadri@gmail.com.