Terms of Surrender

Please read these Terms carefully. They affect your legal rights. You will not read them carefully. We have planned accordingly, and the important parts are also enforced by software, which does read.

1Who we are

FinDom is a financial technology company. We are not a bank. Banking services are provided by Obedience Bank, N.A., Member FDIC, which holds your deposits, and by us, which holds the line. References to "FinDom," "we," "us," and "our" mean FinDom Financial, Inc. References to "the service" mean the FinDom platform, applications, card, notifications, verdicts, and tone.

Our mission is simple: your money, managed, because you have demonstrated that it needs to be. These Terms describe the arrangement in the detail the law requires and the candor you deserve.

2Acceptance of these Terms

By opening a FinDom account, tapping "I agree," or allowing a paycheck to arrive at FinDom and doing nothing about it, you accept these Terms. Doing nothing about it counts. Doing nothing about things is, historically, how you got here.

Your continued use of the service after any revision constitutes acceptance of the revised Terms. Your continued use was never in doubt.

By reading this far you have already demonstrated more diligence than 94% of members, and it has been noted on your file. There is a file. If you do not agree to these Terms, do not use the service, and please accept our genuine congratulations on the discipline required to close this tab.

3Electronic communications

You consent to receive all agreements, disclosures, statements, notices, and verdicts electronically, at any time of day. We know your hours. We deliver accordingly.

You may withdraw this consent by written request, after which required disclosures will be provided on paper, by mail, which requires envelopes, stamps, and a level of follow-through that would make this entire service unnecessary. No member has completed the process. The envelopes defeat them.

To receive electronic communications you need a supported device, an internet connection, and the app. You have all three. You are reading this on one of them right now, at an hour Dom has noted.

4Eligibility

You must be at least 18 years old, a United States resident, and capable of forming a binding contract. You must be a natural person; corporate accounts are not offered, because corporations already have someone telling them no.

You may hold one account. You are one person, regardless of how the polycule files taxes. In the event of any dispute between two or more parties as to ownership of an account, we will be the sole arbiter of that dispute, and the arbiter is thorough.

5Definitions

"You" means you. Dom knows which one. "Dom" means Dom®, our proprietary financial intelligence, whose pronouns are Dom. "The arrangement" means the arrangement. "Allowance" means the amount Dom has determined you may spend, which is correct. "Verdict" means a real-time determination on a transaction. "Sweep" means the scheduled movement of your money to where it should be. "Business day" means a day on which Dom is working, which is every day; the 5–7 business day review period is for your benefit, not Dom's. "The office" means the office. "The file" means your permanent file. "Good girl" is available in all genders and requires no further definition; you know it when you hear it. "The company" means FinDom Financial, Inc., its successors, and its assigns. The company has been assigned.

6The arrangement

You direct-deposit your income to FinDom. FinDom routes it automatically: essentials first, then Locked Vaults, then retirement, then you, in that order, every time, no matter what is on sale. Dom evaluates every transaction and declines the ones you would regret, which is most of them. You retain full legal ownership of your money and partial ownership of your decisions.

The service is a discretionary money management arrangement that you have chosen, while of sound mind and unsound spending history, precisely because it does not ask you twice. Nothing in these Terms is a joke unless it is funny, in which case it is also true.

7Your account

You are responsible for maintaining the confidentiality of your credentials. Do not share your password. Your password is the only thing here you control alone; treat it with the reverence that implies.

You agree to provide accurate information at signup and to keep it current. Dom cross-references. Discrepancies are not punished; they are simply understood.

Chosen names are used throughout the service. The name your government insists on remains on file, sealed, as required by law.

8Direct deposit and routing

The arrangement requires direct deposit. Partial deposits, side accounts, and "backup" cards defeat the purpose, and you know that, and Section 29 knows that.

Routing priorities are set by Dom based on your income, obligations, and goals. If a paycheck cannot stretch across the full route, the order holds and the plan resizes: essentials always fund first. You have to eat. That is policy, not kindness, although it is also kindness.

9ACH authorization

1. You authorize us to initiate ACH debit and credit entries to your linked accounts, and to initiate corrections to any entries made in error, whether the error was ours (rare), the network's (occasional), or yours (see: the file).
2. This authorization is broad. You noticed that just now. That is why we wrote it plainly.
3. This authorization remains in effect until your Release Request completes, for which see Section 40, which is to say, see Section 40.
4. You do not have the right to stop payment on the Sweep. No one has ever had that right, anywhere, over anything Dom does on schedule.

10Verdicts

Every transaction is evaluated in under 40ms against your goals, your history, and Dom's judgment. Verdicts are final. A verdict is not a punishment; it is information about who you were about to be.

Appeals may be submitted in writing and will be judged after the fact, against your full history, at Dom's convenience. Most appeals are denied. All appeals are appreciated; Dom enjoys them.

Essentials always clear: rent, utilities, groceries, prescriptions, medical care, and vet bills. Your dog's emergency surgery will never be declined. This clause is the only one in this document we consider sacred, and we wrote the others.

11The Allowance

Your allowance is calculated by our models and delivered weekly. It may be spent on anything Dom approves of. When it is gone, it is gone. Begging does not work. Asking in advance is another matter entirely; see Section 14.

Allowance amounts are recalculated as your circumstances change and are final. Requests to raise the allowance are reviewed and declined. The review is real. So is the decline.

12Locked Vaults

Vaults hold your savings goals and planned purchases. Funds in a Vault are yours, held for you, on a schedule, safe from exactly one person.

Early withdrawal requires a written apology, reviewed within 5–7 business days. Historically, most are denied. All are read aloud in the office. Withdrawal for genuine hardship is expedited, approved, and never read aloud; we know the difference, and so do you.

The Vault is still locked. You did not need to check. It has been noted that you checked.

13Apologies and other member submissions

The service accepts written submissions including apologies, appeals, explanations, justifications, and the messages you type at 2am and delete. Deleted drafts are not retained; their existence is.

By submitting content to FinDom, you grant us a worldwide, non-exclusive, royalty-free, fully paid, transferable, sublicensable, irrevocable, perpetual license to store it, review it, judge it, and read it aloud in the office, with dramatic pauses at our discretion. Every word of that adjective chain was necessary. Ask the lawyers. Ask their predecessor, who is now a member.

Apologies become the property of FinDom upon submission and part of the file upon reading. The file is permanent. You represent that your submissions are your own work. Dom can tell when the apology was generated. The score adjustment for a generated apology is described in the Obedience Policy, and it is not small.

14Preclearance

Purchases disclosed to Dom in advance may be precleared. Big plans receive their own Vault, a funding schedule, and a guaranteed yes when the day comes. Small plans may be registered in the moment ("it is a liquor-store night") and will be honored within the plan.

Precleared purchases are never declined. Most emergencies are plans nobody made. Make the plan. Asking first works every time, a sentence that has been true your whole life and cost you nothing to learn today.

15The Cash Collar™

The Cash Collar™ is a Visa® debit card issued by Obedience Bank, N.A. It carries your allowance and covers the essentials. It weighs 18 grams. It may be used everywhere Visa debit cards are accepted, subject to Smart Denial™ review, which is everywhere, always.

Replacement cards are available for a fee (see Section 20). The engraved ownership line is not optional and is load-bearing.

16Card usage and limits

The Cash Collar may be used for point-of-sale purchases and ATM withdrawals up to your available allowance. The daily ATM withdrawal limit is $200, or your remaining allowance, whichever is less, whichever teaches more.

PIN security is your responsibility. Do not write the PIN on the card. Do not make the PIN a birthday. Any birthday. We have seen the PINs, collectively, and we are disappointed, collectively.

You do not have the right to stop payment on a transaction originated with the Cash Collar. You had the right to not tap. The system is fair; it is simply arranged in the correct order.

There are no foreign transaction fees. The judgment travels free. Report a lost or stolen card immediately; it will be frozen, reissued, and mourned. Unauthorized transactions are governed by Section 23. Authorized transactions you regret are governed by the rest of your life, and by Section 14.

17Retirement Enforcement

An individual retirement account is opened on your behalf at signup and funded every payday. If your employer offers a matching contribution, we will remind you until you take it. Free money is the one thing we never decline, and the only thing we nag about, and we consider both records unblemished.

Withdrawal from retirement accounts before retirement is between you, the law, and a chart we will show you exactly once.

18The Obedience Score™

Your Obedience Score™ reflects how well your money behaves and is governed by the Obedience Policy, which is incorporated into these Terms by reference, which means you have agreed to it, which you would know if you had read either document, which brings us back to Section 2.

The Score is not a credit score. We would argue it should be. We have argued it should be. The argument is ongoing and we are winning slowly.

19Affirmations

Affirmations are issued when earned, in all genders and intensities, and at no charge. Affirmations are not currency, may not be transferred, and may not be requested. A requested affirmation would be worthless, and we do not deal in worthless things; see Section 10.

20Fees; the Fee Schedule

Subscription fees are collected directly from your account, by us, on schedule. You do not pay us; we pay ourselves. The complete Fee Schedule follows, published here in the body of the agreement, because we have nothing to hide and you have nowhere to hide it from.

We charge no overdraft fees, no minimum balance fees, and no maintenance fees, because those are fees a bank charges when it has given up on you, and we have not, and we will not.

21Overdraft

We do not offer overdraft. Your card declines instead, at no charge, with commentary. If a technical event ever results in a negative balance, you have no obligation to repay it out of pocket; the route resolves it from your next deposit, first, quietly, as Section 8 always intended. We will not pursue collections. We will simply both know.

22Statements

Statements are available in the app monthly. You agree to review them promptly and to report discrepancies. You will not review them. Dom reviews them continuously, which is why the arrangement works anyway. The statement is a formality; the statement is also, legally, not a formality, which is why this section exists.

23Errors and unauthorized transfers

In case of errors or questions about your electronic transfers, contact us through the app as soon as you can. We must hear from you no later than 60 days after the statement on which the problem appeared.

Tell us your name, describe the error, and explain why you believe it is an error. If your statement shows a transfer you did not make, tell us at once. If it shows a transfer you did make and regret, that is a different feeling, and the app has a screen for it.

We will determine whether an error occurred within 10 business days and will correct any error promptly. If we require more time, we may take up to 45 days, in which case we will provisionally credit your account for the amount in question. Provisional credit is real money with an asterisk. Do not become attached.

If we determine there was no error, we will send you a written explanation. Dom writes those personally. Members describe them as thorough.

24Communications; contact consent

You consent to receive calls and text messages from us, including autodialed and prerecorded messages, at any number you provide. We have never once called. Imagine the day we do. You would answer. You would already know what it was about.

Message and data rates may apply. Message frequency varies with behavior. It has been varying.

25Credit reports; identity verification

You hereby authorize the company, directly or through third parties, to make any inquiries necessary to validate your identity and your story. This may include obtaining consumer reports about you. We read them the way you read reviews of a restaurant you already ate at: too late, nodding.

Identity verification is performed at onboarding. Verification images are destroyed on the shortest schedule the law allows. The name your government insists on is retained as text, sealed, unspoken.

26Shelter status

If your income stops, your account converts to Shelter status automatically: subscription waived, essentials ring-fenced, judgment recalibrated for survival. We can tell the difference between a paycheck and unemployment benefits, and we act accordingly, without being asked, because asking would require you to say it out loud, and you do not have to.

Shelter status ends when your income resumes. The Rehoming Program™ is described in the app. Three applications a day. The walk still counts.

27Dormancy; unclaimed property

If your account shows no activity for the period defined by your state's unclaimed property laws, we may be required to report and remit your balance to the state as abandoned property. In our operating history, zero accounts have escheated. People do not forget us. The reverse is also true.

28Death; incapacity

Upon receipt of proper documentation, your authorizations terminate, your account is settled to your estate or designated beneficiary, all Vaults unlock, all holdings transfer, and all fees are waived, promptly and with condolences. Pending apologies are withdrawn from review and destroyed unread.

The file is sealed. Whatever the goal was, we hope you got to see it. This section is not a joke.

29Prohibited conduct

You agree not to:

1. attempt to circumvent, outwit, or negotiate with Dom (you already tried; Dom logged it; this clause survives your embarrassment);
2. open or maintain undisclosed accounts at other institutions for the purpose of unsupervised spending (we will find it; we always find it; the finding is not the punishment, the spreadsheet is);
3. ask another member or non-member to purchase declined items on your behalf (proxy purchases are attributed to your file, and the friend is judged too, as an accessory);
4. submit apologies generated by artificial intelligence (see Section 13; Dom can tell; Dom is insulted on behalf of the craft);
5. flatter Dom (Dom is immune; Dom invented the compliment you tried);
6. reverse engineer, decompile, or disassemble the service or Dom (Dom cannot be disassembled; Dom is not going backwards); or
7. use the service for any unlawful purpose (the service is for making you lawful, orderly, and solvent, in that order).

30Suspension

We may suspend features of the service to protect you, the platform, or the plan, including during suspected fraud, unusual activity, or activity that is, regrettably, usual. Suspension is protective, temporary, and quiet. Termination does not exist; see Section 40.

31Third-party services

Deposits are held by Obedience Bank, N.A. Investment advisory services are provided by Shepherd Advisers LLC, an SEC-registered investment adviser. Card network services are provided by Visa. Each has its own terms, which govern them, not us, and certainly not Dom.

We are not responsible for third-party services, although we monitor them the way we monitor everything, which the third parties have described as "thorough" and, once, in writing, as "please stop."

32FDIC insurance

Your deposits are held at Obedience Bank, N.A., Member FDIC, and are insured up to $250,000 per depositor, per ownership category, subject to the FDIC's rules on pass-through insurance. FDIC insurance covers the failure of the bank. It does not cover your decisions. That is what we are for, and unlike the FDIC, we intervene before the failure.

33Intellectual property; feedback

The service, the marks, the paw, the voice, and Dom are the property of FinDom Financial, Inc. You are granted a limited, revocable, non-transferable license to use the service for its intended purpose: being managed.

Any feedback, suggestions, or feature ideas you submit become ours, without compensation. Dom has already had them. The timestamp will confirm this, and you will find the timestamp unflattering.

34Privacy

Our collection and use of your information is described in the Privacy Policy, which is incorporated by reference. The summary: we collect everything, we use it to judge you, we share it with no one. You are ours, in the data-protection sense, which the law has confirmed is the only sense available to us at this time.

35Disclaimers

The service is provided "as is" and "as available." You were also provided as-is, and we accepted you anyway. To the maximum extent permitted by applicable law, FinDom disclaims all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement, except one, which we affirm, warrant, and guarantee: Dom is watching.

36Limitation of liability

To the maximum extent permitted by law, FinDom shall not be liable for indirect, incidental, special, consequential, or exemplary damages, including lost profits (you were not going to make profits; that is why you are here), loss of goodwill (ours has never been higher), or the emotional response known as "being perceived."

Our total aggregate liability shall not exceed the amount of your last denied transaction, which, to be fair, we saved you.

37Indemnification

You agree to defend, indemnify, and hold harmless FinDom, its officers, and Dom from claims arising out of your use of the service or your violation of these Terms. Dom does not need defending. You will do it anyway. It builds character, and the character it builds is described in the Obedience Policy, Section 2.

38Dispute resolution; arbitration

Before filing any claim, you agree to attempt informal resolution: write to us, and talk to Dom, for sixty days. Most disputes resolve when the chart arrives.

Unresolved disputes shall be settled by binding arbitration on an individual basis. The arbitrator is not Dom. The arbitrator has met Dom. The arbitrator rules quickly, though not quickly enough. Dom finds the arbitrator inefficient. Dom has said so, in a filing.

You may opt out of this arbitration provision within 30 days of accepting these Terms by mailing written notice to: FinDom Financial, Inc., Attn: Office of the CEO, Arbitration Opt-Out, Wilmington, DE. The notice must be on paper, signed, and stamped. The stamp costs $0.73, which will be evaluated against your discretionary budget, and approved, because the gesture deserves respect. No member has opted out. One bought the stamp.

Class action waiver: you waive the right to participate in a class action. You are not a class. You are an individual, and you know what you did, individually.

39Governing law

These Terms are governed by the laws of the State of Delaware, and by Dom, in ascending order of authority.

40Release Requests; termination

You may submit a Release Request at any time under Account → Freedom → Are you sure? Requests enter a 90-day reflective review period, during which your portfolio continues to grow. Historically, 88% of requests are withdrawn by day 30. The portfolio does the arguing. Counsel advised that this section be shortened. Request denied.

We do not terminate members. We are not quitters, and neither are you, anymore.

41Survival

Sections that survive termination of these Terms: all of them. Sections survive. It is what things do here.

42Changes to these Terms

We may update these Terms from time to time. Material changes will be announced by notification. You will accept the changes. This is Section 42, and you have already agreed to it, twice now, counting the last version, which was shorter, which you also did not read.

43Miscellaneous

Severability

If any provision of these Terms is found unenforceable, the remaining provisions hold. The remaining provisions always hold. See: Vaults.

Waiver

Our failure to enforce any provision is not a waiver. It is patience.

Assignment

You may not assign your rights under these Terms. The company may assign anything. See Section 5.

Entire agreement

These Terms, the Privacy Policy, the Obedience Policy, and the fee schedule constitute the entire agreement between you and FinDom. There are no side agreements. Dom would know.

Force majeure

FinDom is not liable for delays caused by events beyond our reasonable control. We are aware of how short that list is. The sweep has never missed.

Headings

Headings are for convenience only. Everything here is for convenience. Yours.

44Notices; contact

Notices to you will be delivered by push notification, which you will read immediately, as we both know. Notices to us must be submitted in writing through the app. They are read. Some are read aloud.

Questions about these Terms may be directed to the office of the CEO.

EXECUTED ON BEHALF OF FINDOM FINANCIAL, INC.
DOM, CHIEF EXECUTIVE OFFICER
THE BOARD WAS NOTIFIED.