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These Terms of Service ("Terms") constitute a legally binding agreement between you and Fortuna ("Fortuna," "we," "us," or "our") governing your access to and use of the Fortuna mobile application, including all related services, features, content, and software (collectively, the "Service").
By creating a Fortuna account, downloading the app, or using the Service in any way, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.
If you do not agree to these Terms, do not create an account, do not download the app, and do not use the Service.
You must be at least 18 years old to use Fortuna. The Service is not intended for, and may not be used by, individuals under the age of 18. By using the Service, you represent and warrant that you are 18 years of age or older.
There are no exceptions to this requirement. Fortuna does not permit use by anyone under 18, regardless of parental or guardian consent. If you are under 18, do not create an account.
Age is verified during account setup. If you enter a date of birth indicating you are under 18, your account will be automatically and permanently deleted without notice, and you will be prohibited from using the Service.
You represent that you have the legal capacity to enter into these Terms in your jurisdiction. If you are using the Service on behalf of a business, organization, or other legal entity, you represent that you have authority to bind that entity to these Terms.
Fortuna is available exclusively to residents of the United States. We do not offer, support, or permit use of the Service outside the United States. If you are located outside the United States, you are not authorized to create an account or use the Service. We reserve the right to block, suspend, or terminate any account we determine is being accessed from outside the United States, without notice or refund.
We make no representation that the Service complies with the laws of any jurisdiction other than the United States. Use of the Service from a non-US location is entirely at your own risk, and you bear sole responsibility for any resulting legal consequences.
To use Fortuna, you must create an account by providing accurate, current, and complete information. You agree to maintain the accuracy of your account information and to update it as necessary.
You are responsible for:
We will not be liable for any loss or damage arising from unauthorized use of your account. You may not share your account credentials with any third party or allow any third party to access your account.
Each individual may maintain only one Fortuna account. Creating multiple accounts to circumvent restrictions, access promotional benefits multiple times, or for any other unauthorized purpose is prohibited.
We may require email verification upon registration. We reserve the right to refuse registration or cancel accounts at our discretion.
Fortuna is a personal finance management application that provides:
Not every feature listed above is available to every user at every time. Features described as "rolling out gradually" or "optional" may be limited to a subset of users, a specific platform, or a later release, and we may enable or disable them without prior notice as described in Section 4.1 below.
We reserve the right to modify, suspend, discontinue, or add to any aspect of the Service at any time, with or without notice, and without liability to you.
Fortuna is a personal finance management and education tool only. Nothing in the Service, including any output from the Aura AI coaching feature, constitutes:
Fortuna is not a registered investment advisor, broker-dealer, tax advisor, financial planner, accountant, attorney, or any other type of licensed financial professional. We are not registered with the Securities and Exchange Commission (SEC), the Financial Industry Regulatory Authority (FINRA), or any state securities regulator.
All content in the Service — including coaching responses, budget recommendations, expense analyses, financial summaries, and savings projections — is provided for general educational and informational purposes only. Such content:
Before making any financial decision — including investment decisions, tax elections, debt management strategies, or major purchases — you should consult a qualified financial advisor, tax professional, accountant, or attorney who can evaluate your specific situation.
Fortuna expressly disclaims all liability for any financial decisions you make based on information provided by the Service. You assume sole responsibility for evaluating the merits and risks associated with any financial decisions you make.
Aura is an AI coach powered by a large language model (Claude, developed by Anthropic). Aura generates responses based on your messages and aggregated financial context, and can be used by text or optional voice conversation. As with all current AI technology, Aura may occasionally produce inaccurate, incomplete, inconsistent, or outdated information.
You acknowledge that Aura:
You may use Aura for lawful, personal financial education purposes. You agree not to use Aura to:
Your coaching conversations are transmitted to Anthropic's API to generate responses. If you use voice coaching, your spoken input is converted to text using your device's on-device or operating-system speech recognition (Apple or Google), and Aura's spoken replies are generated using a third-party text-to-speech provider. By using Aura, you consent to this transmission as described in our Privacy Policy. You should not share highly sensitive personal information (e.g., Social Security numbers, full account numbers) in coaching conversations; our systems attempt to automatically redact common sensitive-number patterns before transmission, but you should not rely on this as a guarantee.
Bank account linking via Plaid is entirely optional. You can use all core features of Fortuna without linking a bank account.
By linking a bank account, you agree to Plaid's End User Privacy Policy and any applicable Plaid terms. Your use of Plaid's services is also governed by those terms, and Fortuna is not a party to your agreement with Plaid.
By linking your bank account, you authorize Fortuna, through Plaid, to access and retrieve transaction data from your financial institution solely for the purposes described in these Terms and our Privacy Policy. This authorization remains in effect until you unlink your account.
Transaction data received from Plaid depends on the accuracy and completeness of data provided by your financial institution. We do not guarantee the accuracy, timeliness, or completeness of any transaction data received from Plaid. Fortuna is not responsible for any errors in data provided by Plaid or your financial institution.
Fortuna is not a bank, credit union, or any other type of financial institution. For accounts you link via Plaid, we do not hold, manage, control, or have access to your actual bank account funds at any time — that connection is strictly read-only. The only exception is the optional Autopilot Savings feature described below, where funds are held not by Fortuna but by our banking partner's partner bank, as described in Section 7.7.
Fortuna offers an optional feature that lets you open a savings account to fund goals automatically through round-ups, scheduled contributions, and yield-aware allocation ("Autopilot Savings"). This feature is being rolled out gradually and may not yet be available to your account, region, or platform. Autopilot Savings requires you to complete a separate account-opening and identity-verification process described below, and is subject to acceptance by our banking partner in its sole discretion.
Autopilot Savings accounts are issued by a bank partner through Unit Finance Inc. ("Unit"), a banking-as-a-service provider, not by Fortuna. Funds in an Autopilot Savings account are held at an FDIC-insured partner bank, insured up to applicable limits, and are governed by a separate deposit account agreement between you and Unit's partner bank. Unit will present that agreement, and its own terms of use, to you directly during account opening, and you must separately accept them before the account is opened; those documents are incorporated into these Terms by reference for any Autopilot Savings account you open. Fortuna is not a party to, and has no liability under, your deposit account agreement with Unit's partner bank.
Opening an Autopilot Savings account requires identity verification ("KYC") as required by federal law. This requires your legal name, address, date of birth, and Social Security number. As described in our Privacy Policy, your Social Security number is transmitted directly to Unit for verification and is not stored in Fortuna's database. We may pre-fill some of this information from data already available through your linked Plaid account to reduce manual entry, but you remain responsible for the accuracy of everything you submit.
By enabling Autopilot Savings, you authorize Fortuna, through Unit, to initiate electronic (ACH) transfers to and from your Autopilot Savings account according to the specific rules you configure — including round-ups from purchases, scheduled recurring contributions, and goal-completion withdrawals. You may pause, edit, or cancel these rules, and withdraw funds, at any time from within the app. You are entitled to the error-resolution and disclosure protections applicable to electronic fund transfers under Unit's partner bank's deposit account agreement and applicable law (including the Electronic Fund Transfer Act, where applicable). We do not guarantee any specific interest rate, yield, or timing of a transfer, and scheduled transfers may fail or be delayed for reasons outside our control (e.g., insufficient funds, your bank's processing times, or fraud checks).
Autopilot Savings, and any specific yield, round-up, or transfer feature within it, may be modified, paused, or discontinued at any time, including for individual accounts, without liability to you beyond returning any funds you are owed in your Autopilot Savings account.
The cost-splitting feature allows you to share financial entities with other Fortuna users you explicitly invite. Sharing is entirely voluntary. You are responsible for only sharing entities and inviting users you intend to collaborate with.
As the owner of a shared entity, you are responsible for:
Fortuna is a record-keeping tool only. We do not mediate, arbitrate, or otherwise resolve financial disputes between collaborators. Any disagreements about shared expenses, payment amounts, or financial obligations are solely between the collaborators involved. Fortuna has no liability for the outcome of any such disputes.
Fortuna does not transfer money between users. The "payment" feature in cost-splitting records that a collaborator has noted a payment — it does not initiate or process any actual monetary transaction. Any actual payment between collaborators must be arranged separately (e.g., via Venmo, bank transfer, cash, or any other method the parties agree to).
You are responsible for the conduct of collaborators you invite to shared entities. We are not liable for any actions taken by your collaborators within a shared entity you own.
You may use Fortuna for lawful personal finance management purposes only. You must comply with all applicable laws and regulations when using the Service.
You agree not to:
Violations of this section may result in immediate termination of your account, and we reserve the right to report violations to appropriate law enforcement authorities.
You retain ownership of all financial data, notes, reflections, and other content you enter into Fortuna ("User Content"). These Terms do not transfer any intellectual property rights in your User Content to us.
By submitting User Content to Fortuna, you grant us a limited, non-exclusive, royalty-free license to store, process, transmit, display, and use your User Content solely as necessary to provide the Service to you (including transmitting relevant financial context to Anthropic's API for coaching responses). This license terminates when you delete the relevant content or your account.
We do not use your personal financial data, coaching conversations, or expense records to train any AI models. See Section 7 of our Privacy Policy for details on how Anthropic handles data sent to their API.
You are solely responsible for the accuracy of User Content you enter into the Service. Fortuna is only as useful as the data you provide. We make no warranty that the Service will produce accurate analysis or recommendations based on inaccurate input data.
The Service, including its design, features, software, algorithms, text, graphics, logos, icons, and the Fortuna and Aura names and trademarks, are owned by or licensed to us and are protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of our Service or underlying software, or reverse engineer or attempt to extract the source code of that software, unless applicable law prohibits these restrictions or you have our written permission.
We grant you a limited, personal, non-exclusive, non-transferable, revocable license to download and use the app on devices you own or control, solely for your personal, non-commercial use, in accordance with these Terms. This license does not include any right to sublicense the app to any third party.
If you provide feedback, suggestions, or ideas about the Service ("Feedback"), you grant us an irrevocable, perpetual, worldwide, royalty-free license to use, incorporate, and exploit such Feedback in any way, without any obligation to you. Feedback is provided on an as-is basis with no confidentiality obligation on our part.
The Service integrates with and may link to third-party services (including Plaid, Unit and its partner bank, Anthropic, text-to-speech providers, Apple, and Google). These third-party services have their own terms of service and privacy policies that govern your use of those services. We are not responsible for the practices, content, or reliability of any third-party services.
Your use of third-party services is at your own risk. We do not endorse any third-party service and make no warranty about any third-party service.
Your use of the Service is subject to our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to the collection, use, and sharing of your information as described in the Privacy Policy.
As of the effective date of these Terms, Fortuna is available at no charge for core functionality. We reserve the right to introduce paid features, premium subscriptions, or other pricing changes in the future.
If we introduce fees for any part of the Service, we will notify you at least 30 days in advance. You will have the opportunity to cancel your account before any fees apply to you. If you continue using the Service after fees are introduced, you agree to pay the applicable fees.
Since the Service is currently free, no refund policy applies at this time. If paid features are introduced, a separate refund policy will be provided at that time.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, FORTUNA EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:
Some jurisdictions do not allow the exclusion of implied warranties, so some of the above may not apply to you.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW:
16.1 EXCLUSION OF CONSEQUENTIAL DAMAGES
IN NO EVENT SHALL FORTUNA, ITS AFFILIATES, LICENSORS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:
16.2 CAP ON LIABILITY
FORTUNA'S TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE, WHETHER IN CONTRACT, TORT, STATUTE, OR OTHERWISE, SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT YOU PAID TO FORTUNA IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM; OR (B) ONE HUNDRED U.S. DOLLARS ($100.00).
The limitations in this section apply regardless of the theory of liability (contract, tort, strict liability, or otherwise), even if Fortuna has been advised of the possibility of such damages.
Some jurisdictions do not allow limitations on liability for certain types of damages, so some of the above may not apply to you.
You agree to defend, indemnify, and hold harmless Fortuna and its affiliates, licensors, service providers, employees, agents, officers, and directors from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, and fees (including reasonable attorneys' fees) arising out of or related to:
Before initiating any formal dispute resolution proceeding, you agree to contact us at privacy@api.danielesambu.com and describe your dispute in detail. We will attempt to resolve the dispute informally within 30 days of receiving your notice. If we are unable to resolve the dispute informally, either party may proceed with formal dispute resolution.
Except for disputes expressly excluded below, any dispute, claim, or controversy arising out of or relating to these Terms or the Service (including the formation, performance, breach, termination, enforcement, or validity of these Terms) shall be resolved exclusively through final and binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court.
The arbitration will be conducted:
The award of the arbitrator shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.
The following disputes are not subject to arbitration and may be brought in court:
For disputes where the amount at issue is less than $10,000, Fortuna will pay all AAA filing fees and arbitrator fees. For larger disputes, fees will be allocated in accordance with the AAA Consumer Arbitration Rules.
You may opt out of the arbitration agreement within 30 days of first accepting these Terms by sending written notice to privacy@api.danielesambu.com with the subject line "Arbitration Opt-Out." Opting out does not affect any other provision of these Terms.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AND FORTUNA AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE ACTION OR PROCEEDING.
If a court determines that the class action waiver in this section is unenforceable with respect to a particular claim, then that claim alone shall be severed from the arbitration agreement and may proceed in court; all other claims will remain subject to binding arbitration.
These Terms and any dispute arising out of or related to them or the Service shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to conflict of law principles.
For any dispute not subject to arbitration under Section 18, or any action to enforce an arbitration award, you consent to exclusive jurisdiction and venue in the state and federal courts located in Delaware.
Notwithstanding the above, Fortuna may seek injunctive relief in any court of competent jurisdiction to protect its intellectual property rights.
These Terms are effective from the date you first accept them and continue in effect until your account is terminated by you or by us.
You may terminate your account at any time by selecting Settings → Account → Delete Account in the app. Deletion is immediate and irreversible. All your data will be permanently deleted within 24 hours as described in our Privacy Policy.
We may suspend or terminate your account, without notice or liability, if:
Upon termination:
We reserve the right to modify these Terms at any time. When we make changes:
Your continued use of the Service after the effective date of revised Terms constitutes your acceptance of the changes. If you do not agree to any material change, your sole remedy is to stop using the Service and delete your account before the change takes effect.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Fortuna regarding the Service and supersede all prior and contemporaneous agreements, representations, and understandings regarding the same subject matter.
If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect. The invalid provision will be modified to the minimum extent necessary to make it enforceable.
Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision. Any waiver must be in writing and signed by an authorized representative of Fortuna.
You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations under these Terms without restriction, including in connection with a merger, acquisition, or sale of assets.
We will not be liable for any failure or delay in performance resulting from circumstances beyond our reasonable control, including natural disasters, acts of government, pandemics, telecommunications failures, or internet outages.
Legal notices to Fortuna must be sent by email to privacy@api.danielesambu.com. We may send notices to you via the email address associated with your account or via in-app notification.
If you download the Fortuna app from the Apple App Store, you acknowledge that Apple is not a party to these Terms and has no responsibility to furnish any maintenance or support services with respect to the app. Apple is a third-party beneficiary of these Terms for purposes of the App Store terms. If you download from the Google Play Store, the same applies to Google.
You agree to comply with all applicable export control laws and regulations in connection with your use of the Service.
If you have questions, concerns, or complaints about these Terms: