Terms of Use

XLeap is operated by Xleap Finance, based in New York, United States ("XLeap," "we," "us"). These Terms govern your use of the XLeap app, website, and related services. By accepting these Terms, you agree to them. If you do not agree, do not use the services.

1. Your account

You must be legally able to enter into these Terms under the law that applies to you. Provide accurate account information, keep your sign-in credentials secure, and contact us if you suspect unauthorized access. Only connect financial accounts and provide information that you are authorized to access and use.

2. What XLeap provides

XLeap helps you organize financial information, track accounts and net worth, explore goals and projections, and understand your finances through analysis and AI-assisted features.

XLeap does not act as your bank, broker, investment adviser, tax adviser, or legal adviser. Information, projections, and AI responses are tools for your own planning and decision-making. They do not replace advice from a qualified professional who understands your circumstances. Using XLeap does not create an advisory or fiduciary relationship.

Projections are estimates based on available information and assumptions. They do not guarantee future returns, account values, tax outcomes, or that you will reach a goal. Check important information against your financial institution's records and seek professional advice when appropriate before making financial decisions.

3. Connected financial accounts

When you connect an account, you authorize XLeap and the connection provider to retrieve and process the account information needed to deliver the features you use. XLeap requests read-only access for its account connections. XLeap does not move money or execute trades through these connections.

You complete the connection through your institution or a connection provider, such as Plaid or SnapTrade where available. Their terms and privacy notices may also apply to that connection. XLeap does not receive or store your bank or brokerage login password.

Account availability and updates depend on your institution and connection provider. Information may be delayed, incomplete, or incorrect, and you may need to reconnect an account. XLeap's records do not replace official statements from your institution.

Removing a connection stops future updates through that connection and removes its connected accounts and history from XLeap. It does not close your accounts at the financial institution. Our Privacy Policy explains how deletion and retention are handled.

4. AI-assisted features

AI features can use your requests and relevant financial information to generate responses. This processing may involve third-party AI service providers, as described in our Privacy Policy and any notices shown when you use those features.

AI responses can contain mistakes, omit relevant facts, or give different answers to similar questions. Review their assumptions and verify important figures before relying on them. AI responses do not guarantee a result or replace your judgment.

Acceptance of these Terms does not replace any separate permission required for sharing personal information with an AI provider.

5. Your data and privacy

Your data is yours. We never sell your financial data or share it with advertisers.

You retain your rights in the information you provide. You give XLeap permission to store, process, and display that information, and to use service providers to do so, as needed to provide and support the services you use. This includes account connections, cloud synchronization, calculations, projections, AI features you use, and responding to support requests. This permission does not transfer ownership of your information to us.

Our Privacy Policy explains what information we collect, how we handle it, and how to exercise your privacy rights. Any permission in these Terms is subject to that policy and applicable law.

6. Subscriptions and payments

Some features require a paid subscription. Available plans, prices, billing periods, and any introductory offer are shown before you purchase. The terms displayed for your selected offer apply to that purchase.

Subscriptions purchased in the iOS app are billed through your Apple Account. They renew automatically for the selected billing period unless canceled. Apple handles payment and renewal under its purchase terms. Any price changes are subject to Apple's notice and consent requirements and applicable law.

You can manage or cancel a subscription in your iPhone's Settings → your name → Subscriptions → XLeap. Follow the cancellation deadline shown by Apple. If you receive a free trial and do not want it to renew, cancel at least 24 hours before the trial ends. See Apple's cancellation instructions.

Canceling a paid subscription normally stops the next renewal, with access continuing until the current paid period ends, subject to Apple's rules and any applicable refund. Use Restore Purchases while signed into the XLeap account associated with the purchase if an existing eligible purchase is not recognized.

Deleting XLeap, disconnecting accounts, or deleting your XLeap account does not cancel your Apple subscription. Cancel it separately through Apple to stop future renewals.

For an Apple-billed purchase, you can request a refund through Apple. Eligibility depends on Apple's policies and applicable law. Nothing in these Terms removes your statutory cancellation or refund rights.

7. Responsible use

Do not use XLeap to break the law, access another person's information without authorization, commit fraud, or infringe someone else's rights. Do not bypass access controls, introduce malicious code, or interfere with the service or other users' access. These restrictions do not limit rights that applicable law gives you.

8. Availability and changes to the service

We maintain and update XLeap, but cannot guarantee uninterrupted availability or compatibility with every financial institution. Features may change as the app and third-party services change. We may require an app update to maintain security or correct financial information.

If we make a change that materially reduces a paid service, we will give appropriate notice and honor any cancellation, refund, or other rights required by law and the applicable purchase terms.

9. Ending use and deleting your account

You can stop using XLeap at any time. You can request deletion of your XLeap account in the app or by contacting support@xleap.app. Our Privacy Policy describes how deletion and retention are handled. Remember to cancel any Apple subscription separately.

We may restrict or suspend access when reasonably necessary to address a security threat, fraud, a material breach of these Terms, or a legal requirement. Where reasonably possible and lawful, we will explain the reason and provide an opportunity to resolve the issue. Contact support if you believe access was restricted in error.

Ending access does not remove obligations or consumer rights that continue under applicable law. Deleting an XLeap account does not delete records held independently by your financial institutions or Apple.

10. The app license and your consumer rights

XLeap and its software, design, and branding belong to us or our licensors. Your rights in your own information remain yours.

The iOS app is licensed under Apple's Standard End User License Agreement. These Terms describe XLeap's services and supplement that agreement; they do not replace it. Apple is not the operator of XLeap's services. Contact us for XLeap support.

Nothing in these Terms excludes or limits rights, warranties, remedies, or liability that cannot lawfully be excluded or limited under the laws that apply to you.

11. Changes to these Terms

We may update these Terms as the service or legal requirements change. We will show the effective date of the updated Terms and give reasonable advance notice of material changes, except when an urgent legal or security need requires an earlier change. Where the law requires renewed agreement, we will ask for it. Changes will not take away rights you already have under applicable law.

12. Contact

For support or questions about these Terms, contact support@xleap.app.

Operator: Xleap Finance, New York, United States.