Terms of Service

1. Acceptance of These Terms

You accept these Terms by creating a Glean account, connecting a financial account, or otherwise using the Services. If you use the Services on behalf of a household, family, or organization, you represent that you have authority to bind that group to these Terms.

These Terms include the Privacy Policy and any additional terms we present at the point of purchase or for specific features. If there is a conflict, the feature-specific terms control for that feature.

2. What Glean Does

Glean is a personal finance tool for understanding credit card and account spending. The Services include:

• Automatic transaction syncing from financial accounts you choose to connect
• Vendor normalization — cleaning up cryptic merchant descriptors into recognizable names
• Month-over-month and period-over-period spending comparison at the vendor level
• "Gleans" — automated observations about your spending, such as possible duplicate charges, unusual amounts, subscription renewals, and newly seen vendors
• Custom merchant names, category overrides, and excluding transactions from your totals
• AI agent — an assistant you can put questions to about your own spending in plain language
• Shared workspaces, where you may invite others and assign roles (not yet available; Section 3.3 governs it once it is)

We may add, change, or discontinue features over time. We will not materially reduce a paid plan's core functionality during a period you have already paid for without offering you a refund of the unused portion.

3. Eligibility and Your Account

3.1 Eligibility

• You must be at least 18 years old and able to form a binding contract
• You must be a resident of a jurisdiction where we offer the Services
• You must not be barred from using the Services under applicable law

3.2 Your Responsibilities

• Provide accurate information and keep it current
• Keep your login credentials confidential and secure
• Only connect financial accounts you own or are authorized to access
• Notify us promptly at support@glean.fyi if you suspect unauthorized access

You are responsible for activity that occurs under your account, except to the extent caused by our own failure to maintain reasonable security.

3.3 Shared Workspaces

4. Connecting Financial Accounts

Glean uses Plaid Inc.("Plaid") to connect to your financial institutions. When you connect an account, you authorize us and Plaid to retrieve account and transaction information from that institution on your behalf, on an ongoing basis, so that we can provide the Services.

4.1 Read-Only Access

Our access is read-only. We cannot move money, make payments, open or close accounts, or change anything at your financial institution.

4.2 Your Authorization and How to Revoke It

You may disconnect any financial account at any time from Settings → Connected Accounts. Disconnecting revokes our access at Plaid first, and then deletes that institution's accounts and its transaction history from Glean. It is immediate and it cannot be undone — if you want to keep that history, export it first (Section 13.1). If the revoke at Plaid does not go through, we stop and delete nothing, and tell you to try again: we would rather you keep a connection you can still remove than end up with an authorization at Plaid that nothing in Glean can reach.

Your use of Plaid is also governed by Plaid's own privacy policy and end user services agreement.

4.3 Institution Data

Transaction data originates with your financial institutions and is passed through Plaid. Availability, timeliness, completeness, and categorization of that data are outside our control. Institutions may change or withdraw access, which can interrupt syncing. Pending transactions may change or disappear before they post.

5. Plans and Billing

5.1 Free Plan

Glean offers a free plan at no cost and with no payment information required. Every feature of the Services is available on the free plan. The free plan is limited to:

• 60 days of visible transaction history
• 1 connected financial institution

5.2 Pro Plan

5.3 Billing and Renewal

• Paid plans are billed in advance and renew automatically each period until cancelled
• Payments are processed by Stripe. You enter your card details on Stripe's own checkout page — we never receive or store a card number
• You authorize recurring charges to your chosen payment method until you cancel
• Fees are stated in U.S. dollars and exclude any applicable taxes, which may be added

5.4 Cancellation and Downgrade

You may cancel Pro at any time from your account settings. Cancellation takes effect at the end of the period you have already paid for; you keep Pro access until then, and you will not be charged again.

5.5 Refunds

Except where required by law, fees are non-refundable and we do not provide refunds for partial periods. If you believe you were charged in error, contact support@glean.fyi and we will review it in good faith.

5.6 Price Changes

We may change our prices. We will give you at least 30 days' notice by email before a change affects your subscription, and the new price will apply from your next renewal. If you do not agree, you may cancel before that renewal.

6. Acceptable Use

You agree not to:

• Connect or access financial accounts you do not own or lack authorization to access
• Use the Services to access, monitor, or analyze another person's financial data without their knowledge and consent
• Attempt to gain unauthorized access to the Services, other users' accounts, or our systems
• Scrape, crawl, or harvest data from the Services by automated means
• Reverse engineer, decompile, or attempt to derive our source code, except where such a restriction is prohibited by law
• Interfere with or place undue load on the Services, including circumventing rate limits
• Resell, sublicense, or provide the Services to third parties as your own offering
• Use the Services for money laundering, fraud, or any unlawful purpose
• Upload malicious code or content that infringes another party's rights

We may investigate suspected violations and may suspend or terminate access as described in Section 13.

7. Your Content and Corrections

"Your Content" means the information you add to the Services — custom merchant names, tags, categories, notes, workspace names, card nicknames, and similar input.

7.1 You Own It

Your Content remains yours. You grant us a limited, non-exclusive, royalty-free license to host, store, reproduce, and display Your Content solely to operate, maintain, secure, and improve the Services for you and anyone you have shared a workspace with. This license ends when you delete the content or your account, subject to routine backup retention described in our Privacy Policy.

7.2 How Corrections Are Applied

When you correct a merchant name, Glean may remember that correction and apply it automatically to matching transactions in your workspace, including future ones and — if you choose — past ones. This is a convenience feature based on pattern matching, so it may occasionally apply to a transaction you did not intend. You can review and change any correction at any time.

7.3 Aggregated and De-Identified Data

We may create aggregated, de-identified statistics that cannot reasonably be used to identify you, and use them to operate and improve the Services. We do not sell your financial data. See our Privacy Policy for details.

8. Intellectual Property

The Services — including our software, design, text, graphics, the "Glean" name and logo, and the analysis and insight logic behind gleans — are owned by Glean IP Holdings Inc. or our licensors and are protected by intellectual property laws.

We grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the Services for your own personal or internal household purposes, in accordance with these Terms. No other rights are granted.

If you send us feedback or suggestions, we may use them without restriction or obligation to you. We appreciate them, and you are not required to provide any.

9. Third-Party Services

The Services depend on third parties. The ones that matter to you:

• Plaid — financial account connectivity and data retrieval
• Your financial institutions — the source of transaction data
• Supabase and Vercel — hosting, sign-in, the database, and delivery of the app
• Stripe — payment processing for Pro
• Resend — sending alert and service email
• Anthropic, OpenAI and OpenRouter — the models behind our AI agent
• PostHog and Sentry — product analytics with masked session recording, and error monitoring

Privacy Policy Section 5 lists every one of them, says what each receives, and why. That list is the authoritative one and is kept current with the code.

These parties operate under their own terms and privacy policies. We are not responsible for their acts, omissions, availability, or data accuracy, and an outage or change at one of them may interrupt the Services. We choose our providers carefully and will make reasonable efforts to restore service.

10. Disclaimers

10.1 Gleans and Automated Analysis

Gleans, comparisons, categories, vendor names, and other analysis in the Services are generated automatically from data supplied by third parties, using heuristics and pattern matching. They are informational signals, not verified findings, and they can be wrong. For example:

• A legitimate repeat purchase may be flagged as a possible duplicate charge
• A genuine duplicate or erroneous charge may not be flagged at all
• A long-standing merchant may be reported as newly seen, for instance after a re-sync or a change in how your institution describes it
• Categories and merchant names supplied upstream may be incorrect or inconsistent
• Recurring-charge and renewal detection may misjudge timing or amounts

The same applies to the AI agent, and more so. Its answers are generated by a language model. The figures in them come from your own data rather than from the model's guesswork, and the assistant is instructed to state the exact window and filters behind every number so you can check them — but it can still misread your question, choose the wrong period, or describe a correct figure incorrectly. An answer written in confident prose is not a verified one. Treat it as a starting point and check anything that matters against the underlying transactions, which every answer offers to show you.

10.2 Service Provided "As Is"

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR THAT DATA WILL BE ACCURATE, COMPLETE, OR TIMELY.

Some jurisdictions do not allow the exclusion of certain warranties, so parts of this section may not apply to you. Nothing in these Terms limits rights you have under applicable consumer protection law that cannot be waived.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, GLEAN AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST SAVINGS, LOST DATA, OR LOST BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY.

OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

WITHOUT LIMITING THE FOREGOING, WE ARE NOT LIABLE FOR ANY FINANCIAL DECISION YOU MAKE, ANY UNAUTHORIZED OR ERRONEOUS CHARGE ON YOUR ACCOUNTS, ANY MISSED DISPUTE OR CANCELLATION DEADLINE, OR ANY INACCURACY IN DATA SUPPLIED BY PLAID OR YOUR FINANCIAL INSTITUTIONS.

These limits do not apply to liability that cannot be limited by law, including, where applicable, liability for fraud, gross negligence, or willful misconduct. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

12. Indemnification

You agree to indemnify and hold harmless Glean and its officers, directors, employees, and agents from any claims, losses, liabilities, and reasonable expenses (including attorneys' fees) arising out of your breach of these Terms, your misuse of the Services, your connection of a financial account you were not authorized to access, or your sharing of workspace data with others. We will notify you of any such claim and you may participate in its defense; we will not settle a claim in a way that imposes obligations on you without your consent.

13. Termination

13.1 By You

You may stop using the Services and delete your account at any time from Settings → Delete Account, or by contacting support@glean.fyi. Deleting your account revokes our access at your financial institutions, cancels any Pro subscription, and removes your data as described in our Privacy Policy. It is immediate and cannot be undone, so take a copy first if you want one: Settings → Your Data gives you a CSV of your transactions and a complete JSON copy of everything we hold about you, both immediately and at no charge, as described in Privacy Policy Section 8.3.

13.2 By Us

We may suspend or terminate your access if you materially breach these Terms, if we are required to by law, or if your use poses a security or legal risk to us or other users. Except where immediate action is necessary, we will give you notice and a reasonable opportunity to address the problem first. If we terminate a paid plan other than for your breach, we will refund the unused portion.

13.3 Effect of Termination

Sections that by their nature should survive termination will survive, including Sections 7.1, 8, 10, 11, 12, and 15.

14. Changes to These Terms

We may update these Terms as the Services and legal requirements evolve. When we do:

• We will post the updated Terms on this page and give them a new version — the dated string at the top. Every version has one, so you can point at the exact agreement you accepted. This one is 2026-08-07
• For material changes, we will give you at least 30 days' notice by email to the address on your account, by prominent notice in the Services, or both

Your continued use of the Services after a change takes effect constitutes acceptance of the updated Terms. If you do not agree, you may cancel any paid plan and delete your account before the effective date. Changes will not apply retroactively to a dispute that arose before the change.

15. Governing Law and Dispute Resolution

15.1 Governing Law

These Terms and any dispute arising out of them or the Services are governed by the laws of the State of Delaware, United States, without regard to its conflict of laws rules, except that the Federal Arbitration Act governs the interpretation and enforcement of Section 15.3.

15.2 Informal Resolution First

Before filing a formal claim, please contact us at support@glean.fyi and give us 30 days to try to resolve it. Most issues can be sorted out this way, and we will engage in good faith.

15.3 Binding Arbitration

15.4 Class Action Waiver

YOU AND GLEAN AGREE TO BRING CLAIMS ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate claims or preside over a class proceeding. If this waiver is found unenforceable as to a particular claim, that claim — and only that claim — will proceed in court, and the rest of this Section 15 will remain in effect.

15.5 Exceptions and Opt-Out

• Either party may bring a qualifying claim in small claims court instead of arbitration
• Either party may seek injunctive relief in court to protect intellectual property or stop unauthorized access
• You may opt out of arbitration by emailing support@glean.fyi with "Arbitration Opt-Out" in the subject line within 30 days of first accepting these Terms. Opting out does not affect any other part of these Terms, and we will not treat it as a reason to restrict your access.

Nothing in this section prevents you from reporting concerns to a government agency or waives rights that cannot be waived under applicable law. Claims must be brought within one year of when they arose, unless applicable law requires a longer period.

16. Contact Us

If you have questions about these Terms, please contact us:

Additional Information