1. What Claroo is
Claroo is a personal financial-intelligence app. With your permission, it connects to your bank, brokerage, and crypto accounts on a strictly read-only basis, analyzes your transactions and holdings, and gives you insights: a daily briefing, spending and income breakdowns, recurring-payment detection, and an AI money chat grounded in your own data. Claroo also publishes Lyra, a daily financial news feed, which is editorial content and is not personalized from your financial data.
Claroo is an informational and educational tool. Claroo is a financial technology product, not a financial advisor. It does not provide financial, investment, tax, or legal advice, does not recommend financial products, and cannot move your money.
2. Eligibility
You must be at least 18 years old and legally able to enter into a binding agreement. By creating an account, you confirm that the information you provide is accurate. Claroo does not perform identity verification itself; identity assurance is handled by the account providers and connection partners at the time you connect an account.
3. Your account and connections
To use Claroo you create an account (email, or Google/Apple sign-in) and may connect financial accounts through our connection partners:
- Banks: via Plaid or Salt Edge, depending on your country. Your bank credentials are handled by the connection partner; Claroo never sees or stores your bank login. Claroo receives read-only transactions, balances, and account information. Your use of these partners is subject to their own terms and privacy policies, including the Plaid End User Privacy Policy.
- Brokerages: via SnapTrade, read-only. Claroo can see accounts, balances, holdings, and activity. Claroo cannot trade.
- Crypto wallets: you provide a public wallet address only. Claroo reads on-chain history via Zerion. No private keys, no signing, no custody.
Claroo receives read-only access in every case: it cannot initiate payments, transfers, or trades, and cannot modify your accounts. You can disconnect any connection at any time in the app.
Your transaction and holdings data is processed on our behalf by Neumetria, our behavioral-analytics engine, as described in our Privacy Policy.
4. AI features
AI-written briefings. When AI features are enabled, parts of your daily briefing are written by a third-party AI model provider acting on our behalf, from a limited set of your derived financial facts. You can turn this off at any time in Privacy settings; your briefing then falls back to its standard, non-AI form.
Ask AI chat. Claroo includes an AI chat that answers questions about your own finances using your Claroo data. Responses are generated by a third-party AI model provider acting on our behalf.
AI assistant connections (MCP). You may authorize external AI assistants (such as ChatGPT or Claude) to access your Claroo data on your behalf. Access is granted only after your explicit consent, through defined permission scopes that you approve. Depending on the scopes you grant, an assistant may read your behavioral profile, insights, metrics, and transactions, and may submit feedback (such as category corrections), but no scope exists that can move money or change your financial accounts. The assistant's own use of your data is governed by its provider's terms and privacy policy. You can revoke an assistant's access at any time. Turning off the AI assistant or AI features in Privacy settings disables these features immediately, and the restriction is enforced on our servers.
No advice. AI-generated responses (in the app or through a connected assistant) are for informational and educational purposes only and do not constitute financial, investment, tax, or legal advice. Always consult a qualified professional before making significant financial decisions. You remain responsible for your own decisions.
5. Waitlist and early access
Claroo may operate in private beta or early access. Joining the waitlist does not guarantee access; we may select participants at our discretion. By joining, you consent to receive email about Claroo; you can unsubscribe at any time.
6. Price
Claroo is currently free to use. We reserve the right to introduce paid plans or premium features in the future; if we do, we will give you clear advance notice and any charge will require your agreement; we will never charge you silently.
7. Acceptable use
You agree not to: use Claroo for any unlawful purpose; connect accounts that are not yours or that you are not authorized to connect; attempt to access other users' data; probe, disrupt, or circumvent the Service's security; reverse engineer any part of the Service; use the Service or its output to build a competing product or to train a machine-learning model; or provide false or misleading information.
8. Intellectual property
The Service (including its software, design, content, and trademarks) is owned by Claroo SIA or its licensors. The underlying behavioral-analytics technology is owned by our affiliate Neumetria, Inc. and licensed for use in the Service. Nothing in these Terms transfers any intellectual property rights to you, and you may not use our branding without prior written permission.
Your data remains yours: the financial data you connect and the behavioral profile generated from it are personal data that you control; you can export them and delete them as described in our Privacy Policy.
9. Disclaimers
The Service is provided "as is" and "as available." We do not warrant that the Service will be uninterrupted or error-free, or that insights, categorizations, forecasts, or AI responses will be accurate or complete. Insights depend on the data your account providers make available and may be wrong or out of date. Nothing in this section limits rights you have under mandatory consumer protection law.
10. Limitation of liability
To the maximum extent permitted by law, Claroo SIA is not liable for indirect, incidental, special, or consequential damages, or for financial decisions you make based on the Service. Nothing in these Terms excludes or limits liability that cannot be excluded under applicable law, including mandatory consumer rights in your country of residence.
11. Termination and deletion
You may stop using Claroo and delete your account at any time in the app. Deletion is irreversible and removes your data as described in our Privacy Policy. We may suspend or terminate your account if you materially violate these Terms, if required by law, or if we discontinue the Service; where reasonably possible we will give you advance notice so you can export your data.
12. Changes to the Service and these Terms
We may change or discontinue features of the Service. We may update these Terms; if a change is material, we will notify you by email or in the app before it takes effect. Continued use of Claroo after changes take effect constitutes acceptance.
13. Governing law and disputes
These Terms are governed by the laws of the Republic of Latvia, and disputes are subject to the jurisdiction of the courts of Latvia. If you are a consumer in the European Union, you also benefit from any mandatory provisions of the law of your country of residence, and you may bring proceedings in your local courts where the law allows. You may also use the European Commission's Online Dispute Resolution platform.
14. Contact
Questions about these Terms: legal@claroo.com
Claroo SIA, Dzirnavu iela 67, Centra rajons, Rīga, LV-1011, Latvia · Reg. no. 50203511861