Terms of Service

These Terms are an agreement between you and Swift Tech Stack FZCO, a company established in the United Arab Emirates (“we”, “us”), which provides Yield Clarity (the “Service”). By creating an account or using the Service, you agree to them.

Our Privacy Policy explains how we handle personal information.

If you use the Service as a consumer, nothing in these Terms takes away rights you have under consumer law where you live that cannot be excluded by agreement.

• You must be at least 18 and able to enter into a binding agreement.
• The Service is for your personal or household financial planning. It is not designed for providing services to clients.
• Give accurate account information and keep your sign-in details secure. We recommend turning on two-factor sign-in.
• You are responsible for activity on your account. Tell us promptly if you think someone else has accessed it.

Yield Clarity is a planning and educational tool. It helps you record your financial position and model how your plans could develop, based on information and assumptions you provide.

You remain responsible for the information and assumptions you enter, and for your financial decisions. Consider independent professional advice for decisions that matter to you.

Forecasts, estimated dates, probabilities and other results are projections from a model, not predictions or guarantees. They depend on your inputs and on simplified assumptions about returns, inflation, exchange rates and other factors, and they leave out matters such as tax. Actual results can differ materially.

Monte Carlo results describe the share of simulated outcomes under the model’s assumptions. They are not your personal chance of any outcome. Our Methodology explains how results are calculated and what they leave out.

Plans

Yield Clarity offers a Free plan and paid plans (currently Plus and Pro). Current prices, billing periods and what each plan includes are shown on our Pricing page and at checkout. Features may differ between plans and can change over time.

Payment

Payments are processed by our payment provider, Paddle. Prices are shown in the currency displayed to you and exclude tax. Any applicable tax is calculated at checkout based on your location. Your payment details are handled by Paddle.

Renewal and cancellation

• Paid subscriptions are billed monthly or annually and renew automatically at the end of each billing period until you cancel.
• You can cancel at any time from your billing settings. Cancellation takes effect at the end of the current billing period, and you keep paid features until then. You can reverse a cancellation before it takes effect.
• If we offer a free trial, its terms are shown before you start it. Unless you cancel before the trial ends, your subscription begins and you are charged.

Changing plans

• Upgrades take effect immediately. You are charged a prorated amount for the rest of the current billing period.
• Downgrades and changes of billing period take effect at the end of the current billing period.
• Where available, you can pause a subscription. Billing restarts when you resume, and your renewal date moves forward by the length of the pause.

Failed payments

If a payment fails, our payment provider may retry it. Paid features may remain available for a short grace period and then become unavailable until payment is collected. Your plans and data are not deleted because of a failed payment.

Price changes

We may change prices. We will tell you before a new price applies to your subscription, and you can cancel before it takes effect.

Refunds

If you think you have been charged in error, contact us at support@yieldclarity.com. This does not affect any right you have under consumer law where you live, including any right to cancel and receive a refund.

Ending or downgrading a paid subscription does not delete your data. Instead:

• Plans above your new plan's limit become read-only.
• Features that are not included in your new plan, such as saved scenarios or imported spending, are kept but can no longer be used or edited.
• Broker connections above your new plan's allowance stop syncing but keep their imported data.

Upgrading again restores access, subject to the plan you choose.

Where broker connections are available on your plan, you can connect supported accounts so Yield Clarity can import your information. Connections are read-only: Yield Clarity cannot place trades, move money or change your account.

• You must be authorised to connect the account and to give us the access details you provide. Use the most limited, read-only permissions the provider allows.
• Your use of a broker remains subject to that broker's own terms. Which brokers are supported, and how often information can be refreshed, depends on each provider and can change.
• Imported information comes from the provider and may be delayed, incomplete or wrong. Check it against your provider's statements.
• You can pause or disconnect a connection at any time. We may suspend a connection if the provider requires it or if it risks the security of the Service.

Prices and exchange rates come from third-party data providers. They may be delayed, unavailable or occasionally wrong, and are refreshed periodically rather than in real time. They are provided for planning purposes only and must not be relied on for trading.

You must not:

• Break the law, or use the Service to harm others.
• Access accounts, plans or data that are not yours, or test, probe or circumvent our security or access controls.
• Upload malware or content that infringes someone else's rights.
• Overload, disrupt, scrape or reverse engineer the Service, except where the law allows.
• Resell the Service or use it to build a competing product.

If you find a security issue, please report it as described on our Security page.

You own the information you add to Yield Clarity. You give us permission to store, process and display it only as needed to provide, secure and support the Service for you, as described in our Privacy Policy.

If you share a plan, the people you invite can see it, and editors can change it. You are responsible for who you invite and can remove their access at any time.

The Service, including its software, design, text, guides and trademarks, belongs to Swift Tech Stack FZCO or its licensors. We give you a personal, non-transferable licence to use the Service under these Terms while your account is open.

We work to keep the Service available and accurate, but we cannot promise that it will always be available, uninterrupted or error-free. We may change, add or remove features. If we make a change that materially reduces a paid feature you rely on, we will tell you in advance where we reasonably can.

You can stop using the Service at any time. To close your account, email privacy@yieldclarity.com. Closing your account does not refund the current billing period unless the law requires it, so cancel any paid subscription first.

We may suspend or close your account if you seriously or repeatedly break these Terms, if we must do so by law, or to protect the Service or other users. Where reasonable, we will tell you first and give you a chance to fix the problem. If we close the Service entirely, we will give reasonable notice.

After an account is closed, we handle your information as described in our Privacy Policy.

Except as set out in these Terms and to the extent the law allows, the Service is provided “as is” and “as available”, without warranties of any kind, including fitness for a particular purpose, accuracy of results or non-infringement.

To the extent the law allows, we are not liable for indirect or consequential losses, or for loss of profits, investment returns, business or data, arising from your use of the Service or reliance on its results.

To the extent the law allows, our total liability to you for all claims relating to the Service is limited to the greater of the amounts you paid us for the Service in the 12 months before the claim arose and AED 1,000.

Nothing in these Terms limits liability that cannot be limited by law, such as liability for fraud.

These Terms are governed by the laws of the United Arab Emirates, and the courts of the United Arab Emirates have jurisdiction over disputes about them.

If you are a consumer living elsewhere, you also keep the protection of mandatory laws of your country, and you may be able to bring a claim in your local courts. Before starting any formal dispute, please contact us so we can try to resolve it.

We may update these Terms, for example to reflect changes to the Service or the law. We will show the date of the latest change at the top and, for material changes, tell you in the app or by email before they take effect. If you do not agree, you can stop using the Service and cancel any subscription before the change applies.

• These Terms and the documents they refer to are the whole agreement between you and us about the Service.
• If any part of these Terms is found unenforceable, the rest remains in effect.
• You may not transfer your rights under these Terms. We may transfer ours to a company that takes over the Service, without reducing your rights.
• If we do not enforce a term straight away, we can still enforce it later.

Swift Tech Stack FZCO, United Arab Emirates
Email: support@yieldclarity.com