Last updated: July 2026
These Terms of Service ("Terms") govern your use of Ground ("the Service"), a personal finance app operated by GroundBudget.com. By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use Ground.
You must be at least 18 years old and a resident of the United States to use Ground. By using the Service, you represent and warrant that you meet these requirements. Ground is not available outside the United States at this time.
You are responsible for maintaining the security of your account credentials. You agree not to share your password or allow others to access your account. You are responsible for all activity that occurs under your account. Notify us immediately at hello@groundbudget.com if you suspect unauthorized access.
Free trial: New accounts receive a 14-day free trial with full access to all features. No credit card is required to start. Your trial ends 14 days after you complete onboarding.
Paid plans: After your trial, continued access to bank sync and the AI advisor requires a paid subscription. Plans are available monthly ($5/mo) or annually ($39/yr at launch pricing). Prices are subject to change with 30 days' notice.
Billing: Subscriptions are billed through Stripe. By subscribing, you authorize Stripe to charge your payment method on a recurring basis. You can cancel at any time from your account settings.
Refunds: Subscription payments are non-refundable except where required by law. If you cancel, you retain access through the end of your billing period.
Couples: A single subscription covers both accounts in a linked couple. The subscribing partner's plan is shared with their linked partner for the duration of the subscription.
Ground is a personal finance tool, not a licensed financial advisor, broker, or credit counselor. Nothing in the app — including the AI advisor, spending suggestions, budget recommendations, or any other output — constitutes financial, investment, tax, or legal advice. All information is provided for general informational purposes only.
You should not rely on Ground to make major financial decisions. For advice specific to your situation, consult a licensed financial advisor, CPA, or attorney.
The AI advisor uses language models (provided by Anthropic, PBC) that may occasionally produce inaccurate or incomplete information. Always verify important financial information independently.
Ground uses Plaid Technologies, Inc. ("Plaid") to connect to your financial institution. By connecting your bank, you authorize Ground and Plaid to retrieve your account and transaction data. Your banking credentials go directly to Plaid — Ground never sees or stores your username or password.
Your use of Plaid is subject to Plaid's End User Privacy Policy. You can disconnect your bank at any time from app settings.
You agree not to:
You own your financial data. We store and process it solely to provide the Service. We do not sell your data or use it for advertising. See our Privacy Policy for full details on how we handle your information.
You may request deletion of your account and all associated data at any time by emailing hello@groundbudget.com. We will delete your data within 30 days.
Ground and all its content, features, and functionality are owned by GroundBudget.com and are protected by copyright and other intellectual property laws. You may not copy, reproduce, or distribute any part of the Service without our express written permission.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES. FINANCIAL DATA SHOWN IN THE APP IS BASED ON INFORMATION YOU AND YOUR BANK PROVIDE — WE MAKE NO GUARANTEE OF ITS ACCURACY OR COMPLETENESS.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, GROUNDBUDGET.COM SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICE, INCLUDING BUT NOT LIMITED TO FINANCIAL LOSSES, LOSS OF DATA, OR LOSS OF PROFITS — 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 YOUR USE OF THE SERVICE SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM.
You may close your account at any time. We may suspend or terminate your account if you violate these Terms or if we discontinue the Service. Upon termination, your right to use the Service ceases immediately. Sections 4, 9, 10, and 12 survive termination.
These Terms are governed by the laws of the United States. Any disputes shall be resolved in a court of competent jurisdiction. You agree to resolve disputes on an individual basis — not as part of a class action.
We may update these Terms from time to time. We will notify you of material changes by posting a notice in the app or emailing your registered address. Continued use of the Service after changes take effect constitutes acceptance of the updated Terms.