Terms of Use

Last updated: August 4, 2026

Money Coach is an educational budgeting and planning tool. It is not a bank, investment adviser, credit counselor, tax preparer, or legal service.

Educational use

Home, Spending, Budget, Goals, and Coach features provide general calculations and educational observations based on information you enter. Results may be incomplete or inaccurate and are not individualized financial, investment, credit, tax, or legal advice.

Your responsibility

Review imported and linked transactions for accuracy. Verify important decisions with your financial institution or an appropriately qualified professional. Protect downloaded backups because they may contain the financial details you entered.

Plaid Sandbox testing

Closed testing uses Plaid Sandbox and fictional institution data. Sandbox connectivity does not move money, open an account, or provide production access to a financial institution. Do not enter real bank credentials into Sandbox test flows.

Availability and changes

Features may change during testing, and the service may occasionally be unavailable. Normal website or Android updates are designed to retain locally stored records, but users should download a backup before major device, browser, or account changes.

Acceptable use

Do not attempt to access another user’s session, interfere with the service, upload malicious files, probe credentials, or use the service for unlawful activity.

Contact

Questions may be sent to carlton@reidandwilson.com.