Terms of Service

These terms are an agreement between you and Shakra Labs (“Berri,” “we,” “us”) governing your use of the Berri product and website. By creating an account or using Berri, you agree to them.

What Berri is

Berri is a personal finance accountability tool. It connects to your financial accounts with read-only access, shows you where your money is, analyzes what’s hurting you, and helps you build and follow plans, including coaching from Nami, an AI assistant. Berri is a new and evolving product: features may change, break, or be removed as we build.

What Berri is not

Berri is not a bank, broker, lender, or licensed financial, investment, tax, or legal advisor. Nothing in Berri, including anything Nami says, is professional financial advice. Nami is an AI system and can be wrong. All financial decisions, and their outcomes, are yours. Berri cannot move, transfer, or spend your money; it has read-only access by design.

Eligibility and your account

You must be at least 18 and able to form a binding contract. You’re responsible for your account credentials and for the accuracy of information you provide. Link only financial accounts you own or are authorized to view.

Third-party services

Account linking is provided by Plaid; by linking an institution you also agree to Plaid’s end-user terms and privacy policy. Berri relies on data supplied by your institutions and our partners, and we can’t guarantee it is always complete, current, or error-free.

Acceptable use

Don’t misuse Berri: no unauthorized access, scraping, reverse engineering, interfering with the service, or using it to violate the law or the rights of others.

Your content and our rights

You own your data. You grant us the limited license needed to operate Berri on it: storing, processing, and displaying it back to you. Berri’s software, design, and content (except your data) belong to Shakra Labs. If you send us feedback, we can use it without obligation.

Disclaimers

Berri is provided “as is” and “as available,” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that Berri will be uninterrupted, error-free, or that its analysis is accurate or suitable for your circumstances.

Limitation of liability

To the maximum extent permitted by law, Shakra Labs will not be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, savings, or data, arising from your use of Berri. Our total liability for any claim is limited to the greater of $100 or the amount you paid us in the twelve months before the claim.

Termination

You can stop using Berri and delete your account at any time. We may suspend or terminate accounts that violate these terms or put the service or other users at risk. Sections that by their nature should survive termination do.

Changes and governing law

We may update these terms; if the changes are material we’ll notify you before they take effect, and continued use means acceptance. These terms are governed by the laws of the State of Delaware, without regard to conflict-of-law rules.

Contact

Questions about these terms: hello@namiberri.com.