Dalio Privacy Terms Support

Terms of Service

Matches paid draft until you choose free — see TERMS_SWITCH.md

# Terms of Service — Dalio

**Effective date: October 22, 2026**  
**Note:** This file matches the in-app paid draft today. Free vs paid switch instructions: `TERMS_SWITCH.md`. Paid archive: `TERMS_OF_SERVICE_PAID.md`. Free draft: `TERMS_OF_SERVICE_FREE.md`.

## 1. Acceptance of Terms

By downloading, installing, or using the Dalio application ("App"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the App.

**Dalio is not a financial advisor, bank, or financial institution.** The App provides informational analysis only and does not offer financial, investment, or tax advice.

## 2. Subscription and Billing

### 2.1 Subscription Fee

Dalio offers a paid subscription at **$9.99 per month** (the "Subscription"). The price may change with 30 days' notice in-app or by email.

### 2.2 Free Trial

New users receive a **7-day free trial** of the Subscription. The trial begins upon sign-up and automatically converts to a paid Subscription at the end of the trial period unless cancelled before it expires. You will not be charged during the trial.

### 2.3 Payment

All payments are processed through **Apple App Store** billing. By subscribing, you authorize Apple to charge the applicable fee to your Apple ID account on a recurring monthly basis until you cancel.

### 2.4 Auto-Renewal

Your Subscription **automatically renews** each month unless you turn off auto-renewal at least 24 hours before the end of the current billing period. You can manage or turn off auto-renewal in your **Apple ID > Subscriptions** settings on your iPhone, iPad, or at [apple.com/subscriptions](https://www.apple.com/legal/terms/internet-services/itunes/appstore/about.html).

### 2.5 Cancellation

To cancel your Subscription:

1. Open **Settings** on your iPhone or iPad.
2. Tap your **name / Apple ID** at the top.
3. Tap **Subscriptions**.
4. Tap **Dalio** and select **Cancel Subscription** (or turn off auto-renewal).

**Cancellation takes effect at the end of the current billing period.** You retain access through the end of the paid period you have already purchased.

### 2.6 Refunds

Refunds are at the sole discretion of **Apple**, not Dalio. To request a refund, contact [Apple Support](https://support.apple.com/credits). We generally do not provide refunds for partial billing periods except as Apple requires by law.

### 2.7 Free Trial Cancellation

You may cancel your free trial at any time before it expires to avoid being charged. Cancellation of the free trial does not provide a refund — it simply prevents future charges.

## 3. Account and Use

### 3.1 Account Creation

You must create an account to use core features. You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account.

### 3.2 Bank Account Connection

Dalio uses **Plaid Inc.** ("Plaid") to connect your bank, credit card, and investment accounts. You authenticate directly with Plaid, and Dalio never receives your banking login credentials.

### 3.3 Prohibited Use

You agree not to:

- Use the App for any unlawful purpose.
- Reverse-engineer, decompile, or extract data from the App beyond your own data.
- Share your account credentials with third parties.
- Use automated systems to access the App's data.

### 3.4 Data Ownership

You retain full ownership of your transaction data, categories, subcategories, and custom details entered into the App. Dalio is granted a limited license to store and process your data solely to provide the App's features. When you delete your account, all your data is permanently removed from our servers (see Privacy Policy Section 8).

## 4. Disclaimers

### 4.1 Not Financial Advice

**The App is for informational and educational purposes only.** Dalio does not provide personalized financial, investment, tax, or legal advice. Any analytics, charts, reports, or chat responses generated by the App are general-purpose and should not be relied upon as professional advice.

### 4.2 Accuracy of Data

The App relies on data provided by Plaid and your financial institutions. We make no warranty that the data displayed is accurate, complete, or up-to-date. You are responsible for verifying the accuracy of information before making financial decisions.

### 4.3 No Warranty

THE APP IS PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT GUARANTEE THAT THE APP WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE.

### 4.4 Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, DALIO, ITS FOUNDERS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES (INCLUDING LOST PROFITS, LOST DATA, OR FINANCIAL LOSSES) ARISING FROM YOUR USE OF OR INABILITY TO USE THE APP, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING FROM THESE TERMS OR THE APP SHALL NOT EXCEED THE AMOUNT YOU PAID FOR THE SUBSCRIPTION IN THE 12 MONTHS PRECEDING THE CLAIM (OR $10, IF YOU HAVE NEVER PAID FOR THE SUBSCRIPTION).

## 5. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes by updating the "Effective date" at the top of this page and, if appropriate, by in-app notification. Your continued use of the App after changes constitutes acceptance.

## 6. Termination

We may suspend or terminate your access to the App at our discretion, with or without notice, for conduct we believe violates these Terms or is harmful to other users or our systems. Upon termination, your right to use the App ceases immediately, but Sections 2.5, 4, and 5 survive termination.

## 7. Privacy Policy

Your use of Dalio is also governed by our [Privacy Policy](/privacy), which explains what data we collect, how we use it, and your rights.

## 8. Governing Law

These Terms are governed by the laws of the State of New Jersey, USA, without regard to conflict-of-law principles. Any dispute shall be resolved in the courts of Bergen County, New Jersey.

## 9. Contact

For questions about these Terms:

- **Email:** legal@dalio.coach (placeholder — to be replaced with the real contact before App Store submission)
- **In-app:** Settings > Help & Support > Terms of Service

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*Dalio is not a financial advisor. The App provides informational analysis only and does not constitute financial advice.*