Forecast AI, Inc. Terms of Use

Last Updated: October 15, 2025

Welcome to Forecast AI, Inc. (“Forecast AI,” “we,” “our,” or “us”). These Terms of Use (“Terms”) govern your access to and use of our websites, mobile applications, and related services (collectively, the “Services”).

By creating an account, downloading our app, or otherwise using the Services, you agree to these Terms and our Privacy Policy.
If you do not agree, please do not use the Services.

1. Eligibility

You must:

  • Be at least 18 years old;

  • Reside in a jurisdiction where the Services are available; and

  • Have the legal capacity to enter into this agreement.

2. The Services

Forecast AI provides digital tools to help you visualize, analyze, and forecast your personal finances (the “Services”).

Forecast AI does not provide investment, tax, or legal advice. We are not a bank, broker-dealer, investment adviser, or credit-repair organization. All financial decisions made using the Services are your sole responsibility.

3. Account Registration and Security

To use most features, you must create an account.

You agree to:

  • Provide accurate, current information and update it as needed;

  • Maintain the confidentiality of your login credentials; and

  • Be responsible for all activities under your account.

Notify us immediately at privacy@forecastapp.ai of any unauthorized use or security breach.

4. Third-Party Integrations and AI Processing

Plaid Integration

To link bank or financial accounts, we use Plaid Inc. (“Plaid”).
By connecting your accounts, you authorize Forecast AI and Plaid to act on your behalf to access and transmit your personal and financial information from the relevant financial institution.

  • Plaid’s processing of your data is governed by its Privacy Policy.

  • Forecast AI does not see or store your banking credentials.

AI Processing via xAI Corp.

Forecast AI uses xAI Corp. to process natural-language inputs and generate responses through our conversational and analytical features (“AI Assistant”).
When you interact with the AI Assistant, your text or data may be transmitted to and processed by xAI’s systems to generate responses.

By using these features, you acknowledge and agree that:

  • Forecast AI transmits your content to xAI for processing and response generation;

  • Forecast AI does not control or guarantee xAI’s output, accuracy, or availability;

  • You will not input any unlawful, confidential, or personal information you do not wish to share with xAI; and

  • Your use of the AI Assistant must comply with both these Terms and xAI’s usage policies.

Forecast AI does not use your AI interactions to train its own models.

5. Subscriptions and Payments

  • Access to paid features requires a valid subscription.

  • Fees, billing cycles, and renewal terms are shown in-app or at checkout.

  • Payments are processed securely by our payment processor. Forecast AI does not store your payment card details.

  • Subscriptions automatically renew at the end of each term unless you cancel through your account or app store at least 24 hours before renewal.

  • No refunds are issued after a billing period begins, except where required by law.

6. License and Acceptable Use

We grant you a limited, non-exclusive, non-transferable, revocable license to use the Services for personal, non-commercial purposes.

You agree not to:

  • Copy, modify, or distribute any part of the Services;

  • Reverse-engineer or decompile the software;

  • Use the Services to violate any law or the rights of others;

  • Access the Services using automated means; or

  • Use the Services to conduct competitive analysis or build a similar product.

Forecast AI may suspend or terminate your access if you violate these Terms or misuse the Services.

7. Intellectual Property

All content, software, graphics, and trademarks within the Services are owned by Forecast AI or its licensors and are protected under intellectual property laws.

You may not use our name, logo, or trademarks without prior written consent.

8. Feedback

If you submit feedback, ideas, or suggestions, you grant Forecast AI a perpetual, worldwide, royalty-free license to use and incorporate them into our products without obligation or compensation to you.

9. Disclaimers

The Services are provided “as is” and “as available.”

To the fullest extent permitted by law, Forecast AI disclaims all warranties, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not guarantee the accuracy, completeness, or reliability of forecasts, analytics, or financial data displayed in the app.

10. Limitation of Liability

To the maximum extent permitted by law:

  • Forecast AI and its officers, directors, employees, and affiliates are not liable for any indirect, incidental, consequential, or punitive damages arising from your use of the Services.

  • Our total liability for any claim will not exceed the amount you paid (if any) for the Services during the twelve (12) months preceding the event giving rise to the claim.

Some jurisdictions do not allow certain exclusions or limitations of liability; in those cases, these limits apply only to the fullest extent permitted by law.

11. Indemnification

You agree to indemnify and hold harmless Forecast AI, its affiliates, and their respective officers, employees, and agents from and against any claims, damages, liabilities, losses, or expenses (including reasonable attorneys’ fees) arising out of your use of the Services or violation of these Terms.

12. Termination

You may stop using the Services at any time.
Forecast AI may suspend or terminate your access at its discretion, including for violations of these Terms or any reason we deem necessary.

Sections 7–13 will survive termination.

13. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of California, without regard to conflict-of-law principles.

Any dispute will be resolved through binding arbitration in San Diego County, California, administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules.

Each party waives the right to a jury trial and to participate in class actions.

You may opt out of arbitration within 30 days of account creation by emailing oscar@forecastapp.ai.

14. Changes to These Terms

We may update these Terms at any time. The “Last Updated” date reflects the latest version.
Your continued use of the Services after updates take effect means you accept the revised Terms.

15. Contact Us

Forecast AI, Inc.
111 E Jason Street
Encinitas, CA 92024
Email: oscar@forecastapp.ai