Terms of Service

Last updated: July 6, 2026

Agreement to Terms

By accessing or using the Lena application ("Service") provided by Adigeo Security ("Company", "we", "us", or "our"), you agree to be bound by these Terms of Service. If you disagree with any part of these terms, you may not access the Service.

PLEASE READ THESE TERMS CAREFULLY. THEY CONTAIN A BINDING ARBITRATION AGREEMENT AND CLASS ACTION WAIVER (SEE "DISPUTE RESOLUTION" BELOW) THAT AFFECT YOUR LEGAL RIGHTS. YOU MAY OPT OUT OF ARBITRATION WITHIN 30 DAYS AS DESCRIBED BELOW.

Description of Service

Lena is a personal finance application that allows you to aggregate and track your net worth by connecting your financial accounts through a secure bank-connection provider (Plaid). The Service provides read-only access to your financial data and does not initiate, hold, transmit, or move funds on your behalf. The Service also generates informational alerts about activity in your connected accounts, subject to the important limitations described below. All information displayed by the Service is provided for informational purposes only.

Not a Bank; No Financial Advice

Adigeo Security is not a bank, credit union, broker-dealer, investment adviser, financial planner, tax advisor, or law firm. The Service is not insured by the FDIC, SIPC, or any government agency.

  • Nothing in the Service constitutes financial, investment, legal, tax, or accounting advice, or a recommendation to buy, sell, or hold any security or to take any financial action.
  • We do not act as your fiduciary, and no advisory, fiduciary, or professional relationship is created by your use of the Service.
  • Before making financial decisions, consult a qualified professional and verify balances and transactions directly with your financial institutions.

Alerts & Monitoring — Important Limitations

The Service generates alerts intended to help you notice activity in your connected accounts. You acknowledge and agree that:

  • Alerts are provided as an informational convenience only. They depend on data supplied by your financial institutions and our bank-connection provider, which may be delayed, incomplete, or inaccurate.
  • The Service may fail to detect fraudulent, unauthorized, or erroneous activity, and may flag legitimate activity. We do not guarantee that any alert will be generated, accurate, or timely.
  • The Service is NOT a fraud-prevention, credit-monitoring, or identity-theft-protection service and is not a substitute for the fraud monitoring provided by your bank or card issuer, or for your own regular review of your account statements.
  • Because the Service is read-only, we cannot block, reverse, decline, or prevent any transaction.
  • You remain solely responsible for monitoring your financial accounts and for promptly reporting unauthorized or erroneous activity directly to your financial institution. Your legal rights to recover losses (for example under Regulation E or your cardholder agreement) typically depend on timely reporting to your institution — not to us.

User Accounts

When you create an account with us, you must:

  • Provide accurate, current, and complete information
  • Maintain the security of your account credentials and device
  • Promptly update any information that changes
  • Accept responsibility for all activities under your account
  • Be at least 18 years of age and capable of forming a binding contract

Financial Data & Third-Party Connections

By using our Service to connect financial accounts:

  • You authorize us to access your financial information through Plaid, and you represent that you own or are authorized to connect each account you link
  • You acknowledge that we provide read-only access and cannot move money
  • You understand that the accuracy, completeness, and timeliness of data depend on your financial institutions and Plaid, and that we are not responsible for their errors, omissions, outages, or actions
  • You agree to Plaid's terms of service and privacy policy
  • Balances and transactions shown in the Service may differ from your institution's records; your institution's records control

Acceptable Use

You agree not to:

  • Use the Service for any unlawful purpose
  • Attempt to gain unauthorized access to our systems
  • Interfere with or disrupt the Service
  • Reverse engineer or decompile any part of the Service
  • Use the Service to harm or defraud others
  • Share your account with others or use another person's account
  • Access the Service by automated means (bots, scrapers) or attempt to probe or test the vulnerability of our systems

Intellectual Property

The Service and its original content, features, and functionality are owned by Adigeo Security and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws. Our trademarks may not be used without our prior written consent. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your personal, non-commercial use, subject to these Terms.

If you send us feedback, ideas, or suggestions about the Service, you grant us the right to use them for any purpose without restriction or compensation to you.

Subscriptions & In-App Purchases

Lena offers auto-renewable subscription plans:

  • Lena Premium: Monthly subscription ($6.99/month after 7-day free trial)
  • Free Trial: 7 days free, then automatically converts to paid subscription
  • Billing: Payment will be charged to your Apple ID account at confirmation of purchase
  • Renewal: Subscription automatically renews unless canceled at least 24 hours before the end of the current period
  • Cancellation: You can manage and cancel subscriptions in your Apple ID Account Settings
  • Refunds: Purchases are processed by Apple, and refund requests are handled by Apple under its policies
  • Price changes: We may change subscription pricing with advance notice; changes apply no earlier than your next renewal, and you may cancel before they take effect

All payments are processed securely by Apple. We do not collect or store your payment information.

Apple's Standard End User License Agreement (EULA)

Your use of the Lena app is also subject to Apple's Standard End User License Agreement (EULA), which is incorporated herein by reference. You can review Apple's Standard EULA at:

https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

In the event of any conflict between these Terms and Apple's EULA, Apple's EULA shall govern with respect to your use of the app obtained through the App Store.

Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT ANY DATA, BALANCE, TRANSACTION, OR ALERT DISPLAYED WILL BE ACCURATE, COMPLETE, OR TIMELY. FINANCIAL DATA DISPLAYED IS FOR INFORMATIONAL PURPOSES ONLY AND SHOULD NOT BE RELIED UPON FOR FINANCIAL DECISIONS. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL ADIGEO SECURITY BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE. WITHOUT LIMITING THE FOREGOING, WE SHALL NOT BE LIABLE FOR ANY LOSSES ARISING FROM (A) FRAUDULENT, UNAUTHORIZED, OR ERRONEOUS TRANSACTIONS ON YOUR FINANCIAL ACCOUNTS, (B) ANY FAILURE TO GENERATE, OR DELAY OR INACCURACY IN, ANY ALERT, (C) THE ACTS, OMISSIONS, OR DATA OF YOUR FINANCIAL INSTITUTIONS OR OUR SERVICE PROVIDERS, OR (D) YOUR RELIANCE ON INFORMATION DISPLAYED IN THE SERVICE. OUR TOTAL AGGREGATE LIABILITY SHALL NOT EXCEED THE GREATER OF ONE HUNDRED U.S. DOLLARS (US $100) OR THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRIOR TO THE CLAIM. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU; IN THAT CASE OUR LIABILITY IS LIMITED TO THE FULLEST EXTENT PERMITTED BY LAW.

Indemnification

You agree to indemnify and hold harmless Adigeo Security and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorneys' fees) arising from your use of the Service, your violation of these Terms, or your violation of any rights of a third party.

Dispute Resolution: Arbitration & Class Action Waiver

Informal resolution first. Before filing a claim, you agree to contact us at the email address below with a written description of the dispute and give us 60 days to resolve it informally.

Binding arbitration. If we cannot resolve the dispute informally, any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court. The arbitration will be conducted in San Diego County, California, or remotely by videoconference, at your election. Judgment on the award may be entered in any court of competent jurisdiction. The Federal Arbitration Act governs the interpretation and enforcement of this arbitration agreement.

Exceptions. Either party may bring an individual claim in small claims court, and either party may seek injunctive relief in court for infringement or misuse of intellectual property rights or unauthorized access to the Service.

CLASS ACTION WAIVER: YOU AND ADIGEO SECURITY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. YOU AND ADIGEO SECURITY EACH WAIVE ANY RIGHT TO A JURY TRIAL.

30-day opt-out. You may opt out of this arbitration agreement and class action waiver by emailing us at the address below within 30 days of first accepting these Terms, stating your name and that you opt out of arbitration. Opting out does not affect any other provision of these Terms.

If the class action waiver is found unenforceable as to a particular claim, that claim (and only that claim) shall proceed in court, and the remainder of this section remains in effect.

Modification of the Service

We may modify, suspend, or discontinue all or any part of the Service (including any feature) at any time, temporarily or permanently. We will make reasonable efforts to notify you of material changes, but we will not be liable to you for any modification, suspension, or discontinuance of the Service.

Termination

We may terminate or suspend your account immediately, without prior notice, for any reason, including breach of these Terms. Upon termination, your right to use the Service will cease immediately. You may also delete your account at any time using the app settings. Sections that by their nature should survive termination (including disclaimers, limitations of liability, indemnification, and dispute resolution) survive.

Governing Law

These Terms shall be governed by the laws of the State of California, United States, without regard to conflict of law principles. Subject to the Dispute Resolution section above, any disputes arising from these Terms shall be resolved in the state or federal courts located in San Diego County, California.

Changes to Terms

We may modify these Terms from time to time. If we make material changes, we will notify you through the app or by other reasonable means before the changes take effect, and we will update the "Last updated" date above. Your continued use of the Service after the effective date of the revised Terms constitutes acceptance. If you do not agree to the revised Terms, stop using the Service and delete your account.

Miscellaneous

  • Severability: If any provision of these Terms is held unenforceable, the remaining provisions remain in full force
  • No waiver: Our failure to enforce any provision is not a waiver of our right to do so later
  • Assignment: You may not assign these Terms; we may assign them in connection with a merger, acquisition, or sale of assets
  • Force majeure: We are not liable for delays or failures caused by events beyond our reasonable control
  • Electronic communications: You consent to receive notices from us electronically (in the app, or by email if you have shared one), and you agree that electronic notices satisfy any legal requirement that communications be in writing
  • Entire agreement: These Terms, together with our Privacy Policy and Apple's EULA, constitute the entire agreement between you and us regarding the Service

Contact Us

If you have questions about these Terms, please contact us at:
contact@adigeosecurity.com