Terms of Service
Welcome to Cilantro. By creating an account or using the Cilantro iOS 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 (via Plaid), view balances and transactions, and ask questions about your money. Cilantro is operated by Highloop.
2. Eligibility
You must be at least 18 years old and able to enter into a binding contract to use Cilantro.
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 Plaid. 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 Plaid.
6. AI-generated content
The Ask tab uses Anthropic's Claude 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.
7. Privacy
How we collect and use data is described in our Privacy Policy, which is part of these Terms.
8. Termination
You can stop using Cilantro at any time and request account deletion at support@highloop.co. 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 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 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 one hundred U.S. dollars ($100.00).
11. 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.
12. Governing law
These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws rules.
13. Contact
Highloop · support@highloop.co