Terms of Service

Last updated: June 23, 2026

1. Acceptance

Torv (“the Service”) is operated by Torv LLC (“Torv,” “we,” “us”). By using the Service you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Service.

2. Not Financial Advice

Torv is a financial-planning and tax-projection tool. Its outputs are educational projections based on the information you enter and simplified modeling assumptions — not individualized financial, tax, or investment advice, and they may be incomplete or wrong for your situation. Confirm with a qualified professional before acting on any irreversible decision, such as a Roth conversion, withdrawal, or Social Security claiming choice.

3. Connected Financial Accounts

You may authorize Torv to access your financial-institution data through our aggregation provider (Quiltt), which connects your accounts via Finicity (a Mastercard company) and MX. Your bank credentials are managed by these providers and never stored by Torv. You can revoke access at any time from inside the app or through our contact form.

When you connect an account, you will be asked to review and accept the terms and privacy notices of these providers, and you authorize them to access, retrieve, and process your financial-institution data to provide the Service. Your use of the connection is also subject to those terms. Account data originates from your financial institutions and may be delayed, incomplete, or inaccurate.

Data retrieved through Torv is for personal informational purposes and does not represent the official record of your accounts. We do not sell or commercialize this data.

4. Acceptable Use

You agree not to access systems or data you are not authorized to access, scrape or reverse-engineer the Service, resell or redistribute the Service or data obtained through it, or use it in violation of applicable law. We may suspend or terminate accounts that do.

5. Subscriptions

Pricing is shown on our website. Subscriptions auto-renew at the end of each billing period unless cancelled; you may cancel at any time and access continues through the end of the paid period. We may change pricing with at least 30 days' notice before your next renewal.

6. No Warranties; Limitation of Liability

The Service is provided “as is” and “as available.” We disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee uninterrupted or error-free access, or the accuracy of data retrieved from third parties or entered by you.

To the maximum extent permitted by law, Torv is not liable for indirect, incidental, consequential, or punitive damages, or for lost profits, data, or goodwill. Our total liability for any claim arising from the Service is capped at the amount you paid us in the 12 months before the claim. The disclaimers and liability limits in this section also apply to, and may be relied on by, our aggregation and data providers.

7. Intellectual Property

The Service, including its design, code, and algorithms, belongs to Torv. Your data is yours.

8. Termination & Governing Law

You may delete your account at any time. We may suspend or terminate accounts that violate these Terms.

These Terms are governed by the laws of the State of Delaware. Any dispute will be brought exclusively in the state or federal courts located in Delaware, after a good-faith attempt to resolve it informally through our contact form.

9. Changes & Contact

We may update these Terms; material changes will be communicated before they take effect. Questions: contact form.