1. Agreement and eligibility
These Terms of Service ("Terms") are an agreement between you and Clover Innovations OPC, the operator of Clover. They apply to Clover's website, web application, iOS and Android apps, Help Center, contact forms, and related services.
You must be at least 18 years old and legally capable of entering into this agreement, or use Clover with valid authorization from a parent, guardian, or authorized organization. If you use Clover for another person or entity, you confirm that you have authority to do so and to provide the relevant information.
If you do not agree to these Terms, do not create an account or use Clover.
2. Your account
- Provide accurate information and keep it reasonably current.
- Keep your password, sign-in method, and recovery options secure.
- Do not share credentials or allow another person to impersonate you.
- Tell us promptly at hello@clover.ph if you suspect unauthorized access.
- You are responsible for activity performed through your account unless applicable law provides otherwise.
Clover may let one account create multiple Profiles for separate financial contexts. Profiles are organizational areas under the same account, not separate legal users or bank accounts.
3. What Clover provides
Clover is a personal finance information and guidance tool. Depending on your plan and available features, Clover may help you:
- Connect supported bank accounts, enter details manually, or import bank statements, receipts, screenshots, spreadsheets, and other supported records.
- Organize accounts, transactions, categories, recurring activity, and balances.
- Track investments, budgets, goals, reports, and financial patterns.
- Ask Clover questions based on the information in your account.
- Create Circles, share selected items, and manage split bills or group plans.
Clover is not a bank, e-wallet, lender, broker, investment manager, credit bureau, remittance provider, or payment processor. Clover does not hold, move, lend, invest, or insure your money. References to financial institutions or brands identify record sources or connection availability and do not imply endorsement or affiliation.
4. Connected bank accounts
Bank connections use Finverse and are optional. Connect only accounts you own or are authorized to access. By completing the authorization flow, you ask Clover and its provider to retrieve and process the account information covered by that authorization. Linking an account does not authorize Clover to send payments, move funds, or execute trades.
Available banks, account types, history, and refresh timing depend on the bank and provider. Connections can expire, need renewed authorization, or be interrupted. Clover does not guarantee real-time balances, complete history, or uninterrupted syncing. Review synced records against your bank records, especially when combining connections with uploads or manual entries that may overlap.
Connection and sync access are subject to your plan limits. A plan change may restrict new links or further syncing. It does not itself cancel your bank authorization or erase existing financial records. To request disconnection, contact hello@clover.ph and use any revocation controls your bank or provider offers. Request deletion of previously imported records separately where needed.
Your bank's terms and the Finverse Data Services Terms also apply to their services. Our Privacy Policy explains how Clover handles connected-bank information.
5. Your records and content
You retain your rights in files, financial records, messages, images, and other content you provide. You give Clover a limited, non-exclusive license to host, copy, transform, analyze, display, and transmit that content only as reasonably needed to provide, secure, support, and improve the service.
You confirm that:
- You have the right to connect accounts and provide or process the content you provide.
- The content and your use of Clover comply with law and do not violate another person's rights.
- You will avoid uploading unnecessary sensitive information about other people.
- You will review imported records and keep your own original documents where they are important.
Clover may preserve raw, parsed, and confirmed forms of import data separately to support review and traceability. Our handling of this information is explained in the Privacy Policy.
6. Imports, Ask Clover, and AI
Clover uses software rules, optical character recognition, heuristics, and AI services to interpret records and generate suggestions. Results may contain errors, omit information, duplicate entries, misunderstand a document, or become outdated.
You are responsible for reviewing imported transactions, balances, categories, investment details, reports, and Ask Clover guidance before relying on them. Your confirmation does not guarantee that an entry is complete or accurate, and Clover does not independently audit or guarantee the information received from you, a bank, or another provider.
Ask Clover and other generated guidance are educational and informational. They are not personalized financial, investment, legal, accounting, credit, or tax advice and are not a substitute for a qualified professional. You remain responsible for every financial decision and action you take.
7. Circles and shared expenses
Circles are permissioned spaces for shared plans, selected financial summaries, expenses, goals, budgets, commitments, and activity. Joining a Circle does not make your personal financial records visible to other members unless you explicitly share a supported item.
- Only invite people you trust and confirm the recipient before sharing.
- Do not share another person's private information without permission.
- Circle roles control collaboration features but do not transfer ownership of personal records.
- A recorded split, contribution, or settlement is informational and does not itself transfer money or create a bank account.
- Members are responsible for resolving disagreements about amounts, ownership, reimbursement, or settlement.
Clover may retain shared history needed to preserve an accurate Circle record, even after a member leaves, subject to the Privacy Policy and applicable law.
8. Acceptable use
You may not:
- Use Clover for unlawful, fraudulent, deceptive, abusive, or harmful activity.
- Upload malware, stolen data, or content you do not have permission to process.
- Attempt to access another user's account, Profile, Circle, or private information without authorization.
- Probe, bypass, disable, or interfere with authentication, authorization, rate limits, or security controls.
- Scrape, overload, disrupt, reverse engineer, or copy the service except where law expressly permits it.
- Use automated systems to create accounts, extract data, or send requests in a way that burdens or harms the service.
- Misrepresent Clover output as verified professional advice or use it to make decisions about another person without appropriate review.
- Use Clover or its output to develop or train a competing model or service without written permission.
9. Free, Plus and Pro plans
Clover may offer Free, Plus and Pro plans with different features, capacity, and limits. The current plan descriptions and prices appear on the Pricing page and at checkout. Features and limits may change as the service develops. Free includes uploads and manual entry within its allowances; bank connections require Plus or Pro. Plus currently permits 2 linked bank accounts and Pro 5 per user across Profiles. Each linked account counts separately, including accounts at the same bank, and also uses your overall financial-account allowance.
A temporary trial, promotion, higher limit, or uncapped feature does not promise that the same access will remain available indefinitely. We will provide notice where required before a material paid-plan change takes effect.
10. Billing and cancellation
Plus and Pro purchases use the billing provider identified at checkout, including Paddle, PayPal, Apple App Store, or Google Play where available. RevenueCat may validate app purchases and manage subscription entitlements. Review the amount, currency, taxes, billing interval, and provider terms before approving payment. Regional pricing may differ; the checkout details govern your purchase.
- Monthly and annual subscriptions renew automatically unless cancelled.
- Prices, billing interval, and any annual savings are shown before approval.
- You are responsible for maintaining a valid payment method with your billing provider.
- Use Plan settings, your provider’s customer portal, or your Apple or Google subscription settings to manage renewal and cancellation. Check the cancellation confirmation and the access end date shown for your subscription.
- For Paddle subscriptions cancelled at the end of a billing period, access continues through that period. Other cancellation actions and promotional access follow their displayed terms.
- Complimentary Plus or Pro grants or referral rewards can have their own expiry dates and eligibility rules. Receiving a grant does not itself authorize a recurring charge.
- Before deleting your account, confirm cancellation with your billing provider. Deleting an app from a device is not subscription cancellation.
Refund requests are handled under the applicable checkout terms, billing-provider policy, and consumer law. For Paddle purchases, see the Paddle Refund Policy. If a payment fails, is reversed, or is disputed, Clover may limit paid-plan access while the billing status is resolved.
11. Third-party services
Clover relies on third-party services for authentication, hosting, databases, bank connections, AI processing, payments, subscription validation, analytics, and email. Their terms and privacy policies may apply to their part of the service. Clover is not responsible for a third-party service's independent acts, availability, or content, except where applicable law says otherwise.
Market data, exchange rates, institution labels, and other external information may be delayed, incomplete, or unavailable. Do not treat Clover as the official record of a bank, broker, merchant, tax authority, or payment provider.
12. Changes and availability
We work to keep Clover useful and available, but the service may be interrupted for maintenance, security work, provider outages, or other reasons. We may add, change, limit, suspend, or discontinue a feature. Beta or experimental features may be less reliable and may change without notice.
Keep copies of important original records. Clover is not a substitute for your bank statements, official receipts, tax records, or a dedicated backup system.
13. Suspension and termination
You may stop using Clover, wipe app data, or delete your account through the available settings. We may restrict or suspend access when reasonably necessary to investigate security risks, prevent harm, comply with law, address unpaid charges, or enforce these Terms.
We may terminate an account for a material or repeated violation. Where appropriate, we will give notice and a reasonable opportunity to correct the issue. Sections that by their nature should continue after termination, including ownership, disclaimers, liability, and dispute terms, will survive.
14. Clover ownership
Clover's software, design, branding, documentation, interfaces, and original content are owned by Clover or its licensors and protected by applicable intellectual-property laws. These Terms give you a limited, personal, revocable, non-transferable right to use the service; they do not transfer ownership.
If you send feedback or ideas, you allow Clover to use them without restriction or compensation, but you are not required to provide feedback.
15. Important disclaimers
To the fullest extent permitted by law, Clover is provided "as is" and "as available." We do not guarantee uninterrupted availability, complete accuracy, a particular financial result, or that every file, institution, transaction, or feature will be supported.
Nothing in these Terms excludes a warranty, consumer protection, or other right that cannot lawfully be excluded. Where such a right applies, these Terms are limited only to the extent the law allows.
16. Limits of liability
To the fullest extent permitted by law, Clover will not be liable for indirect, incidental, special, consequential, exemplary, or punitive loss, or for lost profits, opportunities, data, goodwill, or anticipated savings arising from the service.
To the fullest extent permitted by law, Clover's total liability for claims related to the service will not exceed the greater of the amount you paid Clover during the 12 months before the event giving rise to the claim or PHP 1,000. This limit does not apply where liability cannot legally be limited, including liability caused by fraud, willful misconduct, or another non-waivable basis.
17. Governing law and disputes
These Terms are governed by the laws of the Republic of the Philippines, without regard to conflict-of-law rules. Before starting formal proceedings, please contact us so we can try to resolve the concern directly.
Where permitted by law, disputes will be submitted to the appropriate courts in the Philippines. Nothing here prevents you from using a regulator, consumer protection process, or court available to you under a non-waivable law.
18. Changes to these Terms
We may update these Terms as Clover, our providers, or legal requirements change. We will post the revised Terms and update the effective date. If a change is material, we will provide additional notice where required. Continuing to use Clover after the revised Terms take effect means you accept them.
