Terms of Service
Welcome to Cilantro. By creating an account or using the Cilantro iOS or Android app, you agree to these Terms. If you don't agree, don't use the service.
1. The service
Cilantro ("the service") is a personal-finance app that lets you connect your bank accounts through a third-party financial-data provider, view balances and transactions, share a household view with a partner you invite, and ask questions about your money. Cilantro is operated by Highloop LLC, a California limited liability company.
2. Eligibility
You must be at least 18 years old and able to enter into a binding contract to use Cilantro. Cilantro is offered only to residents of the United States.
3. Your account
You are responsible for keeping your login credentials secure and for any activity under your account. Notify us immediately at support@highloop.co if you believe your account has been compromised.
4. Acceptable use
You agree not to:
- Use Cilantro for any illegal purpose.
- Connect a financial account that you don't have lawful access to.
- Attempt to break, reverse-engineer, or disrupt the service.
- Scrape, copy, or resell data accessed through the service.
5. Financial data & not-financial-advice
Cilantro displays read-only summaries of data provided by your financial institutions through a third-party financial-data provider. Cilantro cannot move money on your behalf. Cilantro does not provide financial, investment, tax, or legal advice. Any insight, forecast, or AI-generated answer is informational only — verify with a qualified professional before acting. Numbers shown may be delayed, incomplete, or incorrect; the source data is what your bank reports to that provider.
6. AI-generated content
The Ask tab uses third-party large language models to generate answers from your data. AI-generated answers may contain mistakes. Don't rely on them for tax filing, investment decisions, or other consequential actions without independent verification.
6a. Cilantro Plus subscription
Cilantro Plus is an auto-renewing subscription with a 7-day free preview. By starting the subscription you accept the terms below.
- How billing works. Cilantro Plus is sold and billed by Apple through Apple's App Store on iOS, and by Google through Google Play on Android. Cilantro does not receive your payment-card details. Subscription pricing is shown on the in-app paywall and on cilantro.highloop.co/pricing/.
- Auto-renewal. Your subscription renews automatically at the end of each billing period (monthly or annual, depending on the plan you chose) at the then-current price, until you cancel. We do not control Apple's or Google's renewal timing or grace-period rules.
- Free preview. If your purchase includes a 7-day free preview, the preview converts to a paid subscription automatically at the end of the 7 days unless you cancel at least 24 hours before the preview ends (per Apple's and Google's standard billing rules). Eligibility for the preview is determined by Apple or Google and is generally limited to one preview per subscription group per Apple ID / Google account.
- How to cancel. Cancel any time in Settings → Apple ID → Subscriptions on iPhone or in Google Play → Payments & subscriptions → Subscriptions on Android. Cancellation stops the next renewal; you keep Plus access through the end of the current paid period. Cilantro cannot cancel an Apple or Google subscription on your behalf; the cancellation must be done from your store account.
- No refund for unused portion. We do not issue refunds for unused portions of a paid subscription period. Refunds for App Store and Google Play subscriptions go through Apple's or Google's refund process, respectively; we don't dispute reasonable refund requests but we don't directly process them. This term does not limit any non-waivable consumer rights you may have under applicable law.
- Price changes. If we change the price of Cilantro Plus, Apple or Google will notify you and obtain your consent to the new price before charging it, in accordance with their subscription rules.
- Household entitlement. When one member of your Cilantro household has an active Cilantro Plus subscription, the other household member receives Cilantro Plus access for the same period at no additional charge. This is a Cilantro-side entitlement and is independent of Apple Family Sharing and Google Play Family Library. The shared access ends when the subscription ends, when either partner leaves the household, or when the subscription lapses for any reason.
- Cancellation of the household share. If the subscriber cancels, both members lose Plus access at the end of the current paid period. If a household member leaves the household, that member loses Plus access immediately unless they have their own active subscription.
7. Privacy
How we collect and use data is described in our Privacy Policy, which is part of these Terms.
8. Termination and account deletion
You can stop using Cilantro at any time. To delete your account and all associated data, see Delete your account; deletion completes within 30 days, with a 30-day soft-delete window during which you can change your mind and restore the account. We may suspend or terminate accounts that violate these Terms, abuse the service, or expose other users to risk.
9. Disclaimers
Cilantro is provided "as is" without warranty of any kind. To the fullest extent permitted by law, Highloop LLC disclaims all express and implied warranties, including merchantability, fitness for a particular purpose, and non-infringement.
10. Limitation of liability
To the fullest extent permitted by law, Highloop LLC will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost data, or lost goodwill, arising from your use of Cilantro. Our aggregate liability for any claim relating to the service is limited to the greater of one hundred U.S. dollars ($100.00) or the amounts you paid to Cilantro in the 12 months immediately preceding the claim.
11. Dispute resolution; arbitration; class-action waiver
Please read carefully. This section limits how disputes between you and Cilantro can be brought. It affects your legal rights, including your right to bring or participate in a class action.
Informal resolution first. If you have a concern, contact us at support@highloop.co first. We will try in good faith to resolve any dispute within 30 days.
Binding arbitration. If we can't resolve a dispute informally, you and Cilantro agree that any dispute arising out of or related to these Terms or the service will be resolved by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect, conducted in San Francisco, California, or another mutually-agreed location (or by video conference if AAA-eligible). The arbitrator may award the same relief that a court could under applicable law, but only on an individual basis.
Small-claims carve-out. Either party may bring an individual action in small-claims court instead of arbitration if the action stays in small-claims court and is brought in a county where you reside.
Class-action waiver. You and Cilantro each waive the right to bring or participate in any class, collective, or representative action. The arbitrator may not consolidate more than one person's claims and may not preside over any class or representative proceeding.
30-day opt-out. You may opt out of this arbitration agreement by emailing support@highloop.co within 30 days of first accepting these Terms (or, for users who accepted before this clause was added, within 30 days of the "Last updated" date at the top of this page). Your opt-out message must include your account email. Opting out does not affect any other part of these Terms.
If arbitration is unavailable. If the arbitration agreement above is held unenforceable as to any claim, that claim will be brought in the state or federal courts located in San Francisco County, California, and you and Cilantro consent to the personal jurisdiction of those courts.
12. Changes
We may update these Terms from time to time. Material changes will be communicated in-app or by email. Continued use after the change constitutes acceptance.
13. Governing law
These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws rules. Except as provided in §11, the state and federal courts located in San Francisco County, California, are the exclusive venue for any action.
14. Contact
Highloop LLC · support@highloop.co