Terms of Service

1. Acceptance of These Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and High Five Creations LLC ("Centiv," "we," "us," or "our"). By creating an account, downloading the Centiv app, or using any of our services in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.

If you do not agree to these Terms, you may not use Centiv. These Terms apply to all users, including free trial participants and paid subscribers.

2. Description of Services

Centiv is an AI-powered personal finance application that connects to your financial accounts, analyzes transaction data, generates spending insights, ¢Score scores, and Money Personas, and enables you to chat with an AI financial agent called "Cent." Services include both free and paid subscription tiers as described on our Pricing page.

We are constantly improving our Services. Features may be added, modified, or removed over time. We will provide notice of material changes where reasonably practicable.

3. Not Financial, Legal, or Tax Advice

Centiv is a financial information and insights tool, not a licensed financial advisor, investment advisor, broker, bank, credit union, consumer reporting agency, credit counselor, or tax professional. Nothing in Centiv — including AI-generated responses from Cent, ¢Score scores, Money Personas, spending summaries, or any other feature — constitutes financial, investment, tax, legal, or any other professional advice.

All information provided through Centiv is for informational and educational purposes only. You acknowledge that:

• You are solely responsible for all financial decisions you make.
• AI-generated content may be inaccurate, incomplete, or not applicable to your specific situation.
• You should verify any important financial information with a qualified professional before acting on it.
• Centiv is not a "consumer report" under the Fair Credit Reporting Act (FCRA), and Centiv is not a "financial institution" under the Gramm-Leach-Bliley Act (GLBA).
• Any insights or scores provided by Centiv should not be construed as an offer to sell, a solicitation, or a recommendation for any security, investment, or financial product.

4. Eligibility

To use Centiv, you must:

• Be at least 18 years of age. By creating an account, you represent and warrant that you are 18 or older.
• Be a legal resident of the United States. Centiv is currently available in the U.S. only.
• Have the legal capacity to enter into a binding contract.
• Not be prohibited by applicable law from using the Services.

If you are using Centiv on behalf of another person, you represent that you have authority to bind that person to these Terms. We do not knowingly allow accounts for individuals under 18. If we learn that a user is under 18, we will terminate their account promptly.

5. Account Registration & Security

You must create an account to access most Centiv features. You agree to:

• Provide accurate, complete, and current registration information (name, email, date of birth).
• Keep your account credentials confidential and not share your password with anyone.
• Be responsible for all activity that occurs under your account.
• Notify us immediately at support@centiv.app if you suspect unauthorized access to your account.
• Maintain only one active account per person.

We reserve the right to reject, suspend, or terminate any account in our discretion, including accounts that violate these Terms or that we believe are being used fraudulently.

6. Subscription Plans & Billing

Centiv offers two paid subscription tiers — Core and Pro — with monthly and annual billing options. Current pricing is listed on our Pricing page.

Auto-Renewal

Subscriptions automatically renew at the end of each billing period (monthly or annually) unless you cancel before the renewal date. By subscribing, you authorize High Five Creations LLC (or our payment processor, Stripe) to charge your payment method on a recurring basis until you cancel.

Price Changes

We may change subscription pricing at any time. We will provide at least 30 days' advance notice of any price increase via email. A price change will not take effect until your current billing period ends. If you do not agree to a new price, you may cancel before your next renewal date.

Payment

All payments are processed by Stripe, Inc. By subscribing, you also agree to Stripe's terms of service. We do not store your full payment card details. You are responsible for keeping your payment method current. If a payment fails, we may suspend your access until payment is resolved.

Billing Disputes

If you believe you have been charged in error, contact us at support@centiv.app within 60 days of the charge. We will investigate and respond within 10 business days.

7. Free Trial

New users receive a 15-day free trial of Centiv with access to Pro-level features. Your free trial begins the first time you log in to the Centiv app.

No credit card is required to begin your free trial. At the end of the trial period, your access will be limited unless you subscribe to a paid plan. We may notify you before your trial expires.

We reserve the right to modify or terminate free trial offers at any time for new users. Existing trial users will not be affected mid-trial.

8. Cancellation & Refunds

How to Cancel

You may cancel your subscription at any time by visiting the Account page on the Centiv website and using the subscription management options, or by contacting us at support@centiv.app. Cancellation takes effect at the end of your current paid billing period — you will retain access until then.

Refund Policy

Subscription fees are non-refundable except where required by applicable law or where we specifically agree otherwise in writing. If you cancel mid-period, you will retain access for the remainder of the period you have paid for, but no partial refund will be issued.

Data After Cancellation

After cancellation, your account enters an inactive state. Your data is retained for 90 days to allow reactivation, after which it is permanently deleted in accordance with our Privacy Policy.

9. Bank Connections & Financial Data

Centiv connects to your financial accounts via Plaid, Inc. and/or Teller, Inc. (each a "Bank Connectivity Provider"). By connecting a bank account, you:

• Authorize Centiv and the applicable Bank Connectivity Provider to access your account transaction history, balances, and related data on your behalf.
• Represent that you are the authorized owner or authorized user of the accounts you connect.
• Acknowledge that you are granting Centiv the right to retrieve and display your financial data for the purpose of providing the Services.
• Agree to the applicable Bank Connectivity Provider's terms of service and privacy policy (Plaid · Teller).

U.S. Financial Institutions Only

Centiv currently supports connections to U.S.-based financial institutions only. Accounts held at banks, credit unions, or other financial institutions chartered or operating outside the United States are not supported and cannot be connected to the Service. Attempts to connect a non-U.S. financial institution will be declined. This restriction applies regardless of your country of residence or citizenship.

This geographic limitation reflects both the current scope of our banking connectivity partners and our commitment to operating within a defined regulatory framework. We may expand supported regions in the future, in which case these Terms will be updated accordingly.

Data Accuracy & Availability

Financial data displayed in Centiv reflects the most recently retrieved information and may not reflect real-time balances or pending transactions. Centiv is not responsible for errors or delays in data provided by financial institutions or Bank Connectivity Providers. You may disconnect any linked account at any time from within the app.

10. AI Services & Limitations

Centiv uses artificial intelligence technology — including Anthropic's Claude API — to power Cent (our AI financial agent), ¢Score scoring, Money Personas, and other features. When you use AI features, you agree that:

• AI-generated content ("Output") may be inaccurate, incomplete, outdated, or not applicable to your situation. You should verify any Output with a qualified professional before relying on it.
• You will not attempt to manipulate, deceive, or misuse AI features to generate harmful, fraudulent, or misleading Output.
• You will only use Output for your own personal, non-commercial purposes.
• You will not attempt to reverse-engineer, extract, or replicate any AI model, algorithm, or scoring methodology used by Centiv.
• Artificial intelligence is a rapidly evolving technology. Outputs may change over time as models and data are updated.

¢Score scores and Money Personas are proprietary algorithms developed by High Five Creations LLC. They are informational tools only and do not constitute a credit score, creditworthiness assessment, or financial rating of any kind.

11. ¢Score (Centiv Score)

Purpose

The ¢Score is a proprietary financial wellness indicator generated by Centiv. It is designed to give you a personalized, at-a-glance view of your overall financial health based on data from your connected accounts. The ¢Score is intended solely for personal informational use within the Centiv application and has no meaning, validity, or authority outside of it.

What the ¢Score Is Not

The ¢Score is not a credit score, credit rating, creditworthiness assessment, or financial rating of any kind. It is not produced by a consumer reporting agency, is not governed by the Fair Credit Reporting Act (FCRA), and must not be used by you or any third party for:

• Evaluating eligibility for credit, insurance, employment, housing, or any other purpose governed by the FCRA or similar laws.
• Making lending, underwriting, or risk-assessment decisions.
• Representing your financial standing to any third party, including lenders, landlords, employers, or government agencies.
• Any commercial, regulatory, or legal purpose whatsoever.

How the ¢Score Is Calculated

The ¢Score is derived from a combination of the following components:

• Base Dimensions: Seven universal financial health dimensions — including cash flow strength, income stability, liquidity, debt pressure, commitment load, balance sheet strength, and savings behavior — each weighted and scored from 0 to 100.
• Lifestyle Template Alignment: A secondary adjustment that reflects how well your financial behavior matches the lifestyle template you have selected (e.g., Stability First, Balanced, Growth Mode, Lifestyle Flex).
• Confidence Score: A transparency indicator that shows how complete your connected financial data is and how reliable the score calculation is at any given time.

The final ¢Score is a weighted blend of your base score and template alignment score, presented on a 0–100 scale. The specific weights, formulas, and scoring logic are proprietary to High Five Creations LLC and may be updated at any time without notice.

Data Dependency

The accuracy and usefulness of the ¢Score depend entirely on the financial data available from your connected accounts. If you have not connected bank accounts, or if your connected data is incomplete, outdated, or limited in history, your ¢Score may not reflect your actual financial position. Centiv displays a confidence indicator alongside the score to help you understand how reliable the current calculation is. Connecting more accounts and maintaining active connections will improve score accuracy over time.

User Control

You have the following controls over your ¢Score:

• You may select and change your lifestyle template at any time, which will adjust the template alignment portion of your score.
• You may connect or disconnect bank accounts, which will affect the data available for scoring.
• You may view a full breakdown of how your score was calculated, including individual dimension scores, reason codes, and evidence from your financial data.

Limitation of Use & Liability

By using the ¢Score feature, you acknowledge and agree that:

• The ¢Score is provided "as is" for personal informational purposes only and carries no warranties of accuracy, completeness, or fitness for any particular purpose.
• You will not share, distribute, screenshot, export, or otherwise represent your ¢Score to any third party as a measure of financial health, creditworthiness, or reliability.
• High Five Creations LLC is not liable for any decisions you or any third party make based on the ¢Score, including financial, investment, employment, housing, or insurance decisions.
• The score methodology, weights, templates, and presentation may change at any time as we improve the algorithm.
• The ¢Score does not account for all aspects of your financial life and should be considered alongside professional financial advice.

12. Acceptable Use & Prohibited Activities

You agree to use Centiv only for lawful, personal, non-commercial purposes. You must not:

• Violate any applicable federal, state, or local law or regulation.
• Use the Service for any fraudulent, deceptive, or harmful purpose.
• Attempt to gain unauthorized access to any part of the Service, server, or network.
• Reverse-engineer, decompile, disassemble, or attempt to extract source code from Centiv.
• Scrape, crawl, or use automated means to access or collect data from the Service.
• Distribute malware, viruses, or any code designed to interfere with the Service.
• Impersonate another person or misrepresent your identity.
• Share your account credentials with any third party.
• Use the Service to provide services to third parties or on behalf of a business without our written consent.
• Circumvent any security measure, rate limit, or access restriction in the Service.

Violation of these restrictions may result in immediate account suspension or termination, and may expose you to civil or criminal liability.

13. Intellectual Property

Centiv and all content, features, software, algorithms, designs, trademarks, trade names, logos, scoring methodologies, and intellectual property within the Service are owned by High Five Creations LLC or its licensors and are protected by applicable copyright, trademark, patent, trade secret, and other intellectual property laws.

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Centiv app and website for your personal, non-commercial use only. This license does not include any right to sublicense, reproduce, distribute, create derivative works, publicly display, or commercially exploit any portion of the Service.

You retain ownership of your personal financial data. By using Centiv, you grant us a limited license to process and display your data solely to provide the Services to you, as described in our Privacy Policy. We do not acquire any ownership rights in your financial data.

14. Aggregated Data Rights

We may create aggregated, de-identified, or anonymized data derived from user interactions and the Service ("Aggregated Data"). Aggregated Data contains no information that could reasonably identify you. We may use and disclose Aggregated Data for any lawful business purpose, including to improve the Service, develop new features, conduct research, and promote Centiv. You acknowledge and agree that Aggregated Data is owned by High Five Creations LLC.

15. Third-Party Services & Links

Centiv integrates with and links to third-party services including Plaid, Teller, Stripe, Anthropic, and others. These third-party services are not owned or controlled by High Five Creations LLC. We are not responsible for the content, accuracy, privacy practices, or terms of any third-party service. Your use of third-party services is governed by their respective terms and privacy policies.

By using bank connectivity features, you expressly authorize us to access third-party financial account information on your behalf, acting as your agent for this limited purpose. You represent that you have the right and authority to provide such authorization.

16. Changes to Services

We are continually improving Centiv and reserve the right to modify, suspend, or discontinue any part of the Service — including features, pricing tiers, or integrations — at any time, with or without notice. We will use reasonable efforts to notify you of material changes that adversely affect your experience. Centiv shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Service.

17. Termination

Your Right to Terminate

You may delete your account at any time via the app settings or by contacting us at support@centiv.app. Upon deletion, your subscription will be cancelled and your data will be processed in accordance with our Privacy Policy.

Our Right to Terminate

We reserve the right to suspend or permanently terminate your account, with or without notice, for any reason at our sole discretion, including: (a) violation of these Terms; (b) suspected fraud or illegal activity; (c) non-payment of fees; (d) conduct harmful to other users, Centiv, or third parties. You remain liable for any amounts owed prior to termination.

Effect of Termination

Upon termination, your right to access and use the Service ceases immediately. Provisions of these Terms that by their nature should survive termination — including Sections 3, 11, 13, 14, 18, 19, 20, and 21 — will continue in full force.

18. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, HIGH FIVE CREATIONS LLC EXPRESSLY DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT: (A) THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE; (B) ANY INFORMATION OR CONTENT PROVIDED THROUGH THE SERVICE WILL BE ACCURATE, COMPLETE, OR RELIABLE; (C) DEFECTS WILL BE CORRECTED; OR (D) THE SERVICE OR ANY SERVER HOSTING IT IS FREE OF VIRUSES OR HARMFUL COMPONENTS.

Financial data displayed may not reflect real-time information. Any reliance you place on data or AI-generated Output from Centiv is at your own risk.

19. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, HIGH FIVE CREATIONS LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES — INCLUDING LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR FINANCIAL LOSSES RESULTING FROM DECISIONS MADE BASED ON CENTIV'S INSIGHTS — EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT YOU PAID TO CENTIV IN THE 12 MONTHS IMMEDIATELY PRECEDING THE CLAIM; OR (B) ONE HUNDRED U.S. DOLLARS ($100.00).

Some jurisdictions do not allow the exclusion or limitation of certain damages, so the above limitations may not apply to you in full.

20. Indemnification

You agree to defend, indemnify, and hold harmless High Five Creations LLC and its officers, directors, employees, agents, and licensors from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or in connection with: (a) your use of the Service; (b) your breach of these Terms; (c) your violation of any law or third-party right; or (d) any financial decisions you make based on information or Output from Centiv.

21. Dispute Resolution & Arbitration

Informal Resolution First

Before filing a formal claim, you agree to first contact us at legal@centiv.app and attempt to resolve the dispute informally. We will do the same. If the dispute is not resolved within 30 days, either party may initiate arbitration.

Binding Arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or the Service — including disputes about their interpretation, breach, termination, validity, or the arbitrability of any dispute — shall be resolved by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, rather than in court, except as set forth below.

Arbitration will be conducted in Salt Lake County, Utah, or remotely if both parties agree. The arbitrator may award the same damages as a court. The arbitrator's award is final and binding.

Class Action Waiver

You and High Five Creations LLC each waive the right to bring claims as a plaintiff or class member in any class or representative action. The arbitrator may not consolidate more than one person's claims and may not preside over any class or representative proceeding.

Exceptions

Either party may seek emergency injunctive relief in a court of competent jurisdiction to prevent irreparable harm pending arbitration. Claims relating to intellectual property infringement may also be brought in court.

Opt-Out

You may opt out of the arbitration agreement within 30 days of first creating your Centiv account by sending written notice to legal@centiv.app with "Arbitration Opt-Out" as the subject. If you opt out, disputes will be governed by Section 21 (Governing Law) and resolved in the courts of Salt Lake County, Utah.

Governing Law

These Terms are governed by the laws of the State of Utah, without regard to conflict of law principles. You consent to the exclusive jurisdiction and venue of courts in Salt Lake County, Utah for any claims not subject to arbitration.

22. Apple App Store Terms

The following additional terms apply to your use of the Centiv iOS application downloaded from the Apple App Store:

• These Terms are between you and High Five Creations LLC only — not with Apple, Inc. Apple is not responsible for the Centiv app or its content.
• Apple has no obligation to provide maintenance or support services for Centiv.
• In the event of any failure of Centiv to conform to applicable warranties, you may notify Apple and Apple's sole warranty obligation is to refund the purchase price (if any) of the app.
• Apple is not responsible for any third-party claims relating to Centiv or your use of it, including product liability claims, legal compliance claims, or consumer protection claims.
• Apple and its subsidiaries are third-party beneficiaries of these Terms and, upon your acceptance, Apple has the right to enforce these Terms against you as a third-party beneficiary.
• You represent that you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and that you are not on any U.S. Government prohibited or restricted party list.
• You will only use Centiv on Apple-branded hardware that you own or control.

23. Google Play Store Terms

The following additional terms apply to your use of the Centiv Android application downloaded from the Google Play Store:

• These Terms are between you and High Five Creations LLC only — not with Google LLC. Google is not responsible for the Centiv app or its content.
• Google has no obligation to provide maintenance or support services for Centiv.
• Google is not responsible for any third-party claims relating to Centiv or your use of it, including product liability claims, legal compliance claims, or consumer protection claims.
• You acknowledge that Google is a third-party beneficiary of these Terms and, upon your acceptance, Google has the right to enforce these Terms against you as a third-party beneficiary.
• You represent that you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and that you are not on any U.S. Government prohibited or restricted party list.

24. Electronic Communications Consent

By creating a Centiv account, you consent to receive communications from us electronically — including via email, in-app notifications, and push notifications. You agree that all notices, agreements, disclosures, and other communications we provide electronically satisfy any legal requirement that such communications be in writing. You may withdraw consent to marketing communications by updating your notification preferences or emailing support@centiv.app, but transactional communications (receipts, account alerts, security notices) cannot be opted out of while your account is active.

25. Changes to These Terms

We reserve the right to modify these Terms at any time. If we make material changes, we will notify you via email and/or in-app notification at least 14 days before the changes take effect. The "Effective date" at the top of this page will reflect the most recent revision. Your continued use of Centiv after the effective date constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Service before the effective date.

26. Contact

For questions about these Terms, contact us: