Back to Home
GRAVY

Terms and Conditions

Last Updated: October 13, 2025
Effective Date: October 13, 2025

1. Our Agreement

1.1 Gravy Technologies Limited ("Gravy", "we", "our", or "us") is a company registered in England and Wales whose registered office is at 88 Pentney Road, London, SW12 0NY, United Kingdom and whose registered number is 16715096.

1.2 By accessing or using the Gravy mobile application, website, or any related services (collectively, the "Service"), you confirm that you accept these terms of use ("Terms") and that you agree to be bound by them. If you do not agree to these Terms, you must not use the Service.

1.3 These Terms (together with our Privacy Policy) set out the terms on which you may make use of the Service and detail your rights and responsibilities to us and our rights and responsibilities to you during your use of the Service.

1.4 Please read these Terms carefully before you start to use the Service as they will apply to your use of the Service. We recommend that you print or save a copy for future reference.

2. The Service

2.1 Gravy provides an AI-powered personal finance management service that allows you to consolidate, track, and analyze your financial information through intelligent insights and goal tracking (the "Service"). By using the Service you warrant that you are at least 18 years old and a resident of the United Kingdom or United States.

2.2 The Service will allow you to:

  • Connect and access details of your bank accounts maintained at third-party financial institutions ("Accounts");
  • View transaction history and account balances from your connected Accounts;
  • Set and track financial goals with AI-powered insights and recommendations;
  • Interact with our AI assistant through voice and text for financial guidance;
  • Receive personalized financial analysis and spending insights;
  • Access AI-generated financial reports and recommendations.

2.3 The purpose of the Service is to provide you with intelligent financial management tools and insights. Our AI systems analyze your financial data to identify spending patterns, suggest goals, provide financial insights, and offer personalized recommendations.

2.4 You acknowledge and agree that the Service is not endorsed or sponsored by the providers of your Accounts.

3. Access to the Service

3.1 Access to the Service will be through our mobile application or website. Your use of the mobile application remains at all times subject to the terms and conditions and privacy policies of the relevant app store from which you downloaded it (Google Play Store or Apple App Store). To the extent that there is a conflict between those terms and conditions and these Terms, these Terms shall take priority.

3.2 You must not allow anyone to access the Service on your behalf. You must treat as confidential the information you provide as part of our security procedures, including your phone number and verification codes, and you must not disclose it to any third party.

3.3 You are responsible for ensuring that your device meets the minimum technical requirements to use the Service and that you have a stable internet connection.

4. Access to Bank Accounts

4.1 To use the Service, you must connect your bank accounts via Plaid Inc., our trusted financial data partner. We will then automatically download transactional information relating to your Accounts and continue to do so at certain times until you withdraw your consent.

4.2 You grant to us and Plaid Inc. a non-exclusive, royalty-free licence to use the information in your Accounts for all purposes connected with the Service, including:

  • Providing financial insights and analysis;
  • Generating AI-powered recommendations;
  • Tracking progress toward your financial goals;
  • Improving our algorithms and service quality;
  • Complying with legal and regulatory requirements.

4.3 You are permitted to use content delivered to you through the Service only within the Service. You may not copy, reproduce, distribute, or create derivative works from this content without our express written permission.

4.4 By using Plaid to connect your accounts, you agree and grant us and Plaid permission to aggregate your personal data, which may be stored outside of your own country to the extent permitted by applicable law.

4.5 You agree that when we retrieve information relating to your Accounts, we are doing so as your representative and on your behalf and not on behalf of or in the name of any third party.

4.6 You agree that we will be entitled to disclose your identity and information relating to your Accounts to third parties if we are required to do so by any applicable law or court order.

4.7 We do not check the accuracy of the Account information you provide to us and we rely on you and your Account providers to ensure that the information is up to date and accurate.

4.8 By using the Service, you represent that you are the legal owner of the data in your Accounts and that you have the authority to appoint, and do expressly appoint, us and Plaid as your agent to access and retrieve such data on your behalf.

4.9 For our compliance purposes and to provide the Service to you, you hereby authorise us to, directly or through a third-party, obtain, verify, and record information and documentation that helps us verify your identity and Account information.

4.10 You agree that our third-party service providers, including Plaid Inc., are third-party beneficiaries of the applicable provisions of these Terms, with all rights to enforce such provisions as if such service providers were a party to these Terms.

5. AI Assistant and Automated Features

5.1 Our AI assistant provides financial insights, recommendations, and analysis based on your financial data. These insights are generated using artificial intelligence and machine learning algorithms.

5.2 The AI assistant may make automated decisions about:

  • Which transactions count toward your financial goals;
  • Categorization and analysis of your spending patterns;
  • Generation of personalized financial recommendations;
  • Content and timing of notifications and alerts.

5.3 You acknowledge that AI-generated insights and recommendations are advisory only and do not constitute financial advice. You remain solely responsible for all financial decisions and should consult with qualified financial advisors for important financial matters.

5.4 You can request human review of any automated decision by contacting us at ali@gravyme.com. You may also manually override AI classifications and recommendations within the Service.

5.5 Voice interactions with our AI assistant are processed using secure, encrypted connections. Voice recordings are temporarily stored for processing purposes and deleted within 24 hours unless you request otherwise.

6. Your Privacy and Data

6.1 We use cookies and similar technologies to provide the Service. By using the Service, you agree to the terms of our Privacy Policy, which forms part of these Terms and our agreement with you.

6.2 Your personal data is processed in accordance with UK GDPR and applicable data protection laws. Please refer to our Privacy Policy for detailed information about how we collect, use, and protect your data.

7. Your Responsibilities

7.1 You must not access without authority, penetrate, interfere with, damage or disrupt (or attempt to do any of the same) any part of the Service or its security measures, any servers, other equipment or networks connected to the Service, or any software used in the provision of the Service.

7.2 You may not inject content or code or otherwise alter or interfere with the way any part of the Service is rendered or displayed in your browser or device.

7.3 You must not access the Service via unauthorized means, including automated devices, scripts, bots, spiders, crawlers or scrapers (except for standard search engine technologies used with our express written consent).

7.4 You must not change, modify, adapt or alter the Service or change, modify, adapt or alter another website so as to inaccurately imply an association with the Service or with Gravy.

7.5 You must not use the Service for any unlawful purpose or in any way that could damage, disable, overburden, or impair the Service.

7.6 You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

8. Third-Party Services

8.1 The Service integrates with various third-party services, including:

  • Plaid Inc. for secure bank account connectivity and data aggregation;
  • Amazon Web Services for secure cloud infrastructure and data storage;
  • OpenAI and Cerebras for AI processing and financial analysis;
  • Twilio Inc. for SMS verification and authentication;
  • Expo for push notifications and mobile app services.

8.2 Your use of these third-party services is subject to their respective terms and conditions and privacy policies. We do not control these third-party services and are not responsible for their content or operation.

8.3 We assume no responsibility for the content or operation of third-party services and will not be liable for any loss or damage that may arise from your use of them.

9. Data Charges and Security

9.1 You agree that you are responsible for any and all data charges you incur from mobile service providers, internet service providers or other data providers in using the Service.

9.2 We cannot guarantee that the Service will always be free from viruses or other harmful components. You are responsible for configuring your information technology and using appropriate security software.

9.3 We implement appropriate technical and organizational measures to protect your data, including encryption in transit and at rest, secure infrastructure, and access controls.

10. Our Right to Vary These Terms

10.1 We expect to need to update or amend these Terms from time to time to comply with law or to meet our changing business requirements.

10.2 We reserve the right, in our sole discretion, to change these Terms from time to time. Unless we make a change for legal or administrative reasons, we will provide reasonable advance notice before the amended Terms take effect.

10.3 We may notify you of amended Terms by posting them on the Service or through push notifications. Your continued use of the Service after the effective date of the amended Terms constitutes your agreement to the amended Terms.

11. Warranties and Disclaimers

11.1 You expressly understand and agree that:

  • Your use of the Service and all information, products and other content included in or accessible from the Service is at your sole risk;
  • The Service is provided on an "as is" and "as available" basis. We expressly disclaim all warranties of any kind, whether express or implied, including but not limited to the implied warranties of merchantability, fitness for a particular purpose and non-infringement.

11.2 We make no warranty that:

  • The Service will meet your requirements;
  • The Service will be uninterrupted, timely, secure, or error-free;
  • The results that may be obtained from the use of the Service will be accurate or reliable;
  • The quality of any products, services, information, or other material obtained through the Service will meet your expectations;
  • Any errors in the technology will be corrected.

11.3 We are not a financial adviser, and the Service is not intended to provide financial advice. Your financial situation is unique. We do not make any representations, warranties, or guarantees that the Service is appropriate for you.

11A. Financial Advice Disclaimer

11A.1 IMPORTANT NOTICE: GRAVY IS NOT A FINANCIAL ADVISER

Gravy Technologies Limited is not authorised or regulated by the Financial Conduct Authority (FCA) to provide financial advice, investment advice, or regulated financial services. We do not hold the necessary qualifications, authorisations, or permissions to act as financial advisers.

11A.2 NATURE OF OUR SERVICE

The Service provides:

  • Personal finance management tools and information
  • AI-powered insights and analysis based on your financial data
  • Educational content about financial topics
  • Goal tracking and progress monitoring
  • Transaction categorization and spending analysis

All content, insights, recommendations, and analysis provided through the Service are for informational and educational purposes only.

11A.3 NO FINANCIAL ADVICE PROVIDED

Nothing in the Service constitutes:

  • Personal financial advice
  • Investment advice or recommendations
  • Advice on specific financial products or services
  • Tax advice
  • Legal advice
  • Professional financial planning advice

11A.4 YOUR RESPONSIBILITY

You acknowledge and agree that:

  • You are solely responsible for all financial decisions you make
  • You should seek advice from qualified, FCA-authorised financial advisers before making important financial decisions
  • You should consult with appropriate professionals (accountants, lawyers, financial planners) as needed
  • Any financial decisions you make are at your own risk
  • We are not liable for any financial losses or consequences arising from your financial decisions

11A.5 AI INSIGHTS AND RECOMMENDATIONS

Our AI assistant and automated systems may provide:

  • General financial insights based on your data patterns
  • Suggestions for financial goals or spending categories
  • Educational information about financial topics
  • Analysis of your spending patterns

These are informational only and do not constitute financial advice. They are generated by algorithms and should not be relied upon as professional financial guidance.

11A.6 REGULATORY COMPLIANCE

We comply with all applicable laws and regulations regarding the provision of information services. We do not engage in regulated financial activities and maintain appropriate boundaries to avoid any suggestion that we provide financial advice.

11A.7 INDEPENDENT VERIFICATION

You should always verify any financial information independently and seek professional advice before acting on any insights, recommendations, or analysis provided through the Service.

12. Our Liability

12.1 If we fail to comply with these Terms, we are responsible for loss or damage you suffer that is a foreseeable result of our breach of these Terms or our negligence, but we are not responsible for any loss or damage that is not foreseeable.

12.2 We only provide the Service for domestic and private use. You agree not to use the Service for any commercial, business or resale purposes, and we have no liability to you for any loss of profit, loss of business, business interruption, or loss of business opportunity.

12.3 We do not in any way exclude or limit our liability for:

  • Death or personal injury caused by our negligence;
  • Fraud or fraudulent misrepresentation.

12.4 Subject to clause 12.3, and to the extent permitted by applicable law, we will not be liable to you in connection with the Service for:

  • Loss of profits or goodwill;
  • Any statement or conduct on or via the Service by any third party;
  • Loss of data which is caused by factors other than negligence or breach of statutory duty on our part;
  • The acts or omissions of the providers of your Accounts;
  • The cost to you of obtaining goods or services as substitutes for the Service;
  • Any other loss or damage suffered by you in connection with the Service.

13. Indemnification

13.1 You agree to protect and fully compensate us and our affiliates from any and all third party claims, liability, damages, expenses and costs (including, but not limited to, reasonable legal fees) caused by or arising from your use of the Service, your violation of these Terms or your infringement of any intellectual property or other right of anyone.

14. Termination and Suspension

14.1 We will determine, in our discretion, whether there has been a breach of these Terms through your use of the Service. When such a breach has occurred, we may take such action as we deem appropriate, including:

  • Immediate, temporary or permanent withdrawal of your right to use the Service;
  • Issue of a warning to you;
  • Legal proceedings against you for reimbursement of all costs resulting from the breach;
  • Further legal action against you;
  • Disclosure of such information to law enforcement authorities as we reasonably feel is necessary.

14.2 The responses described above are not limited and we may take any other action we reasonably deem appropriate.

15. Account Cancellation

15.1 You may cancel your user account at any time through the app settings or by contacting us at ali@gravyme.com. Extended periods of inactivity may also result in account cancellation or Account information being made unavailable.

15.2 Upon account cancellation, we will delete your personal data in accordance with our Privacy Policy, subject to any legal or regulatory requirements to retain certain information.

16. General Provisions

16.1 You may not assign, sub-license or otherwise transfer any of your rights and/or obligations under these Terms to any third party. You acknowledge that we may assign, sub-license or otherwise transfer any of our rights and/or obligations under these Terms to any third party at any time.

16.2 We will have no liability to you for any failure or delay in performing any of our obligations under these Terms to the extent that such failure or delay is caused or contributed to by you or by an event or circumstance beyond our reasonable control.

16.3 These Terms (together with our Privacy Policy) contain the entire agreement and understanding of the parties relating to the subject matter of the agreement between us and supersede all prior agreements, understandings or arrangements relating to the same.

16.4 If any provision of these Terms is found to be invalid for any reason, the invalidity of that provision will not affect the remaining provisions of these Terms, which will remain in full force and effect.

16.5 Failure by either you or us to exercise any right or remedy under these Terms does not constitute a waiver of that right or remedy.

16.6 These Terms are governed by English law. If you are a consumer, the courts of England and Wales will have non-exclusive jurisdiction over any claim arising from, or related to, these Terms (unless you are a resident of Northern Ireland, in which case you may bring proceedings in Northern Ireland, or you are a resident of Scotland, in which case you may bring proceedings in Scotland).

17. Enquiries and Complaints

17.1 If you have an enquiry or complaint about the Service, or simply wish to get in touch, you should contact our customer services team via email at ali@gravyme.com.

17.2 In the event that you have a complaint we cannot settle, you may be entitled to refer it to the Financial Ombudsman Service (FOS) if you are a UK resident. Further information about the FOS is available from their website www.financial-ombudsman.org.uk.

17.3 You may also submit a dispute for online resolution by using the European Commission Online Dispute Resolution Platform at https://webgate.ec.europa.eu/odr/.

18. Contact Information

Email: ali@gravyme.com
Address: 88 Pentney Road, London, SW12 0NY, United Kingdom

Thank you for using Gravy.

Document Version: 1.0
Effective Date: October 13, 2025