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Last Updated: 4/1/26

Terms of Use

1. Acceptance of Terms

By using OFU, you agree to these Terms.

2. What OFU Is (Critical Protection)

OFU is a:

  • Financial organization and behavior tool

OFU is NOT:

  • A bank
  • A lender
  • An investment advisor
  • A broker-dealer
  • A credit repair service
3. No Financial Advice

All content is:

  • Educational and informational only

We do not guarantee:

  • Debt payoff results
  • Financial outcomes
  • Investment performance
4. User Responsibility

You agree:

  • All financial decisions are your own
  • You are responsible for accuracy of your data
5. Account Security

You are responsible for:

  • Keeping login credentials secure
  • Activity on your account
6. Subscription & Billing (IMPORTANT)
  • OFU operates on a paid subscription model
  • A free trial may be offered

Trial Terms

  • Payment method may be required upfront
  • You will be charged automatically after trial ends unless canceled

Billing

  • Subscription auto-renews
  • Fees are non-refundable unless required by law
7. Cancellation
  • You may cancel anytime.
  • Access continues through billing period.
8. Third-Party Integrations
  • OFU integrates with Plaid.
  • We are not responsible for third-party services.
9. Intellectual Property

All content including:

  • Branding
  • Chip character
  • App design
  • Is owned by OFU.
10. Limitation of Liability
  • To the fullest extent permitted by law:

OFU is not liable for:

  • Financial losses
  • Decisions made using the app
  • Data inaccuracies
  • Service interruptions
11. Termination

We may suspend or terminate access if:

  • Terms are violated
  • Misuse occurs
12. Governing Law
  • State of Florida
13. Updates
  • We may update these Terms. Continued use = acceptance.
14. Contact

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