Last updated: March 5, 2026
By creating an account or using Lynor AI ("the Service"), you agree to be bound by these Terms & Conditions. If you do not agree, you must not use the Service. Your continued use constitutes acceptance of any updates to these Terms.
You must be at least 18 years of age to use the Service. By using the Service, you represent and warrant that you meet this requirement and have the legal capacity to enter into these Terms.
We use Plaid Technologies, Inc. to securely connect to your financial accounts. Your credentials are never stored by Lynor AI — they are handled entirely by Plaid. Financial data transmitted to and stored by Lynor AI is encrypted at rest and in transit. We do not sell, rent, or share your personal or financial data with third parties for marketing purposes. For full details, please review our Privacy Policy.
You agree not to: (a) use the Service for any unlawful purpose; (b) attempt to reverse-engineer, decompile, or extract source code from the Service; (c) interfere with or disrupt the Service or its infrastructure; (d) use automated means to access the Service beyond what is provided by the Service itself; or (e) impersonate another person or entity.
Paid features are offered through subscription plans. Subscriptions automatically renew unless canceled before the renewal date. Prices are subject to change with reasonable notice. If you cancel a subscription, you will retain access through the end of your current billing period; no pro-rated refunds are issued for partial billing periods. Failure to pay may result in downgrade or suspension of your account.
Lynor AI is not a registered investment advisor, broker-dealer, bank, or licensed financial institution. The Service is a software tool for informational and organizational purposes only. Nothing provided by the Service should be construed as an offer to buy or sell securities or as personalized financial guidance.
Lynor AI uses artificial intelligence to generate financial information, projections, suggestions, and plans. This output is generated by machine-learning models and may contain errors, inaccuracies, or "hallucinations" — content that appears plausible but is factually incorrect.
AI-generated output does not constitute financial advice, investment advice, tax advice, legal advice, or any other form of professional advice. You must consult a qualified, licensed financial advisor, accountant, or other professional before making any financial decisions.
Lynor AI, its owners, employees, and affiliates disclaim all liability for any financial losses, damages, or adverse outcomes resulting from decisions made in reliance on AI-generated content. You use the Service and its output entirely at your own risk.
You agree to indemnify, defend, and hold harmless Lynor AI and its officers, directors, employees, and affiliates from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Service; (b) your violation of these Terms; (c) your reliance on AI-generated output for financial or other decisions; or (d) your violation of any third-party rights.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. LYNOR AI DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT ANY DEFECTS WILL BE CORRECTED.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL LYNOR AI, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE. LYNOR AI'S TOTAL AGGREGATE LIABILITY SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO LYNOR AI IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).
We may suspend or terminate your access to the Service at any time, with or without cause, with or without notice. Upon termination, your right to use the Service ceases immediately. Provisions that by their nature should survive termination shall survive, including Sections 7, 8, 9, 10, and 12.
These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict-of-law principles. Any dispute arising out of or relating to these Terms or the Service shall be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. You agree to waive any right to participate in a class action, collective action, or representative proceeding. The arbitration shall take place in Delaware or remotely at the arbitrator's discretion.
We reserve the right to modify these Terms at any time. Material changes will be communicated via email or an in-app notice at least 30 days before they take effect. Your continued use of the Service after the effective date constitutes acceptance of the revised Terms.
If you have questions about these Terms, please contact us at legal@lynorai.com.