Terms of use

Lane Money is personal finance software that helps you view income, spending, and cashflow from linked bank accounts, ask questions with an AI assistant grounded in your data, and—on eligible plans—export or organize transactions for side businesses such as Turo hosting.

We provide software tools only. Lane Money does not provide tax, legal, investment, or other professional financial advice. You are responsible for your own financial decisions.

You must be at least 18 years old and able to enter a binding contract. Bank linking through Plaid is currently offered for United States financial institutions on paid plans.

You sign in through our authentication provider (Clerk). Keep your login credentials secure and notify us at hello@lanemoney.com if you suspect unauthorized access.

Paid plans (Starter and Pro) are billed monthly through Stripe. Unless stated otherwise at checkout, each new paid subscription includes a 7-day trial. A valid payment method is required to start a trial. If you do not cancel before the trial ends, your subscription renews automatically at the plan price shown at signup.

You can change plans, update your payment method, or cancel through the Stripe customer portal available from your dashboard billing settings. Fees are non-refundable except where required by law or explicitly stated at purchase.

When you connect a bank, you use Plaid Link to authorize read-only access. We do not receive or store your bank login credentials. We sync account and transaction data Plaid makes available so we can display balances, categorize activity, and power the assistant.

By connecting an account you acknowledge that Plaid may access and transmit your personal and financial information from your financial institution as described in Plaid's End User Privacy Policy. See our Privacy policy for how Lane Money handles that data.

Institution availability, sync timing, and data completeness depend on Plaid and your bank. We do not guarantee uninterrupted or error-free sync.

Chat responses are generated with third-party AI models when configured. Outputs may be incomplete or inaccurate. Verify important figures against your dashboard and official bank records before acting on them.

You agree not to:

• Use the service for unlawful purposes or to violate applicable financial or privacy laws.
• Attempt to access another user's data or probe, scan, or test our systems without permission.
• Reverse engineer, scrape, or resell the service except as we expressly allow.
• Upload malware or interfere with the operation of the service.

You retain ownership of the financial data you authorize us to access. You grant us a limited license to process that data to operate and improve the service as described in our Privacy policy.

Lane Money, our branding, software, and documentation are protected by intellectual property laws. These terms do not grant you any rights to our trademarks or source code.

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LANE MONEY AND ITS SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF THE SERVICE.

OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SERVICE IS LIMITED TO THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE MONTHS BEFORE THE CLAIM OR (B) USD $100.

You may stop using the service at any time and cancel your subscription through billing settings. We may suspend or terminate access if you breach these terms or if required for security or legal reasons. Sections that by their nature should survive termination will survive.

We may update these terms from time to time. We will post the revised version on this page and update the “Last updated” date. Material changes may also be communicated by email or in-product notice. Continued use after changes take effect constitutes acceptance.

Questions about these terms: hello@lanemoney.com.