These Terms of Service (the “Terms”) are a binding agreement between you and Integrate AI LLC, a North Dakota limited liability company (“Integrate AI”, “we”, “us”), governing your use of the Sajilo mobile application and any updates to it (the “App”).
By downloading, installing, or using the App, you agree to these Terms. If you do not agree, do not use the App and delete it from your devices.
Please read Section 4 (Sajilo is not financial advice), Section 5 (Bank connections), Section 12 (Disclaimer of Warranties), Section 13 (Limitation of Liability), and Section 16 (Dispute Resolution) carefully. They limit our liability to you and require most disputes to be resolved by individual arbitration rather than in court.
1.Eligibility
You must be at least 18 years old and able to form a binding contract to use the App. By using it you represent that you are. The App is offered in the United States and is designed around US financial institutions; we make no claim that it is appropriate or available elsewhere.
2.Your licence to use Sajilo
We grant you a personal, limited, non-exclusive, non-transferable, revocable licence to use the App on Apple-branded devices you own or control, for your own personal, non-commercial money management. You may not copy, modify, reverse-engineer, decompile, resell, sublicense, or attempt to extract the source code of the App, except to the extent that restriction is prohibited by law.
3.Subscriptions, free trial, and billing
Sajilo offers a free trial followed by a paid subscription. All purchases are made through Apple and are charged to the Apple Account you use on your device. We never receive or store your card details.
- Free trial. New subscribers receive a free trial of the length shown in the App at the time you subscribe. If you cancel before the trial ends, you are not charged.
- Auto-renewal. Subscriptions renew automatically at the then-current price at the end of each billing period unless you cancel at least 24 hours before the period ends. Apple charges your account within 24 hours of the end of the current period.
- Managing and cancelling. You manage and cancel subscriptions in your device’s Settings under your Apple Account — not in the App. Deleting the App does not cancel a subscription.
- Refunds. Purchases are handled by Apple and are subject to Apple’s refund policies. We cannot issue refunds directly; requests go to Apple through reportaproblem.apple.com.
- Price changes. We may change prices for future billing periods. Where required by law or Apple’s rules, you will be notified and given the chance to cancel before a change takes effect.
- If your subscription lapses, your data is not deleted. You keep access to your account and can export or delete your information at any time.
4.Sajilo is not financial advice
Figures the App shows you — including Safe to Spend, detected bills and subscriptions, projected dates and amounts, category budgets, and any suggestion the App makes — are estimates produced automatically from the data available to it. They can be wrong. They may be based on incomplete or delayed information from your bank, on a recurring payment the App detected incorrectly, or on a transaction that was categorised wrongly.
You are solely responsible for your own financial decisions. If you need advice about your circumstances, consult a qualified professional.
5.Bank connections, and what Sajilo can and cannot do
You may connect financial accounts through Plaid Inc., our bank-connection provider. When you do:
- You authenticate directly with your own institution inside Plaid’s interface. We never receive your banking username or password.
- You authorise us to retrieve, on your behalf, account and transaction information from the institutions you select, for as long as the connection remains active.
- Access is read-only. The App cannot initiate a payment, transfer funds, or take any action on your accounts. A “transfer” recorded in the App is only a bookkeeping entry describing money you moved yourself.
- Your use of Plaid is additionally governed by the Plaid End User Privacy Policy.
- You may disconnect any institution at any time (Accounts → Unlink bank), which revokes our access at that institution and deletes its imported data from the App.
You represent that you are the owner of, or are otherwise authorised to access, every account you connect.
Bank connections break for ordinary reasons — a password change, a new security prompt, an institution changing its systems. We cannot guarantee that any connection will remain available, or that data will arrive completely or on time.
6.Your data, and your responsibility for records
You keep all rights in the information you enter (“your Content”). You grant us only the narrow, non-exclusive licence needed to host, process, and display it back to you so the App can function. We claim no ownership of it and do not use it to train machine-learning models.
Keep your own records. The App is a convenience layer over your bank’s data, not a system of record. Export your data (Account → Export CSV) if you need a durable copy, and keep it somewhere you control.
7.Privacy
Our handling of your information is described in the Sajilo Privacy Policy, which forms part of these Terms.
8.Acceptable use
You agree not to:
- connect an account you do not own or are not authorised to access;
- use the App for any unlawful purpose, or to launder money or evade tax or reporting obligations;
- interfere with, overload, probe, or attempt to gain unauthorised access to the App or its infrastructure;
- use automated means to scrape or bulk-extract data from the service; or
- resell, rent, or provide the App as a service to third parties.
9.Third-party services
The App depends on services we do not control, including Plaid, your financial institutions, Apple, and our hosting provider. We are not responsible for their acts, omissions, outages, or terms, and their availability is outside our control.
10.Availability, updates, and changes to the App
We may add, change, or remove features, and we may suspend or discontinue the App or any part of it. We will give reasonable notice of a discontinuation where we can, and you will be able to export your data before it takes effect.
11.Changes to these Terms
We may update these Terms. When we do, we will change the effective date above and, for material changes, give notice in the App or by email. Continuing to use the App after a change takes effect means you accept the updated Terms.
12.Disclaimer of warranties
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 any non-waivable statutory rights you have as a consumer, including under the consumer laws of your country of residence.
13.Limitation of liability
These limits apply to all claims, whether based in contract, warranty, tort (including negligence), strict liability, statute, or otherwise, and survive any failure of essential purpose of any limited remedy.
Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above may not fully apply to you. Nothing in these Terms excludes liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot be excluded or limited under applicable law.
14.Indemnification
You agree to indemnify and hold harmless Integrate AI LLC and its officers, members, employees, and agents from any claim, demand, loss, liability, or expense (including reasonable legal fees) arising out of your Content, your use of the App, any account you connected without authorisation, your violation of these Terms, or your violation of any law or the rights of another person. We reserve the right to assume the exclusive defence of any matter subject to indemnification by you, in which case you agree to cooperate.
15.Termination
These Terms remain in effect while you use the App. You may end them at any time by deleting your account (Account → Delete account) and removing the App. We may suspend or terminate your access if you materially breach these Terms, if required by law, or if we discontinue the App. Sections 4, 6, and 12 through 20 survive termination.
16.Dispute resolution and arbitration
Talk to us first
Most concerns can be resolved quickly. Before starting a formal proceeding, please contact us at integrateai2026@gmail.com with a description of the issue and what you would like us to do. We will try in good faith to resolve it within 45 days.
Binding individual arbitration
If we cannot resolve it informally, you and we agree that any dispute arising out of or relating to these Terms or the App will be resolved by binding individual arbitrationadministered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court — except that 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.
The arbitration will take place in Cass County, North Dakota, or by telephone or video conference, or at another mutually agreed location. The arbitrator’s decision is final and may be entered as a judgment in any court of competent jurisdiction.
Class-action waiver
You and we 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, collective, consolidated, or representative proceeding. The arbitrator may not consolidate more than one person’s claims or preside over any form of representative proceeding. If this class-action waiver is found unenforceable as to a particular claim, that claim is severed from arbitration and proceeds in court, while all remaining claims stay in arbitration.
Your right to opt out
You may opt out of this arbitration agreement by emailing integrateai2026@gmail.comwith the subject line “Arbitration Opt-Out” within 30 days of first accepting these Terms. Opting out affects nothing else in these Terms.
If you are a consumer resident in a jurisdiction whose law makes pre-dispute arbitration agreements or class-action waivers unenforceable against consumers, this Section 16 does not apply to you, and you keep the right to bring proceedings in the courts of your country of residence.
17.Governing law
These Terms are governed by the laws of the State of North Dakota, United States, without regard to its conflict-of-laws rules. Subject to Section 16, you and we consent to the exclusive jurisdiction of the state and federal courts located in Cass County, North Dakota for any dispute not subject to arbitration.
If you are a consumer, this choice of law does not deprive you of the protection of mandatory consumer-protection provisions of the law of the place where you live.
18.Apple-specific terms
Because the App is distributed through the App Store, the following apply and, where they conflict with anything else in these Terms, control:
- These Terms are between you and us only, not with Apple. Apple is not responsible for the App or its content.
- Your licence to use the App is limited to Apple-branded products you own or control, as permitted by the Usage Rules in the App Store Terms of Service.
- Apple has no obligation to provide maintenance or support for the App. We are solely responsible for support (see the support page).
- We are solely responsible for any product warranties, whether express or implied. If the App fails to conform to any applicable warranty, you may notify Apple, and Apple may refund the purchase price. To the maximum extent permitted by law, Apple has no other warranty obligation with respect to the App.
- We, not Apple, are responsible for addressing any claim relating to the App, including product liability claims, claims that the App fails to conform to a legal or regulatory requirement, and claims arising under consumer-protection or privacy law.
- We, not Apple, are responsible for the investigation, defence, settlement, and discharge of any third-party claim that the App infringes intellectual property rights.
- You represent that you are not located in a country subject to a U.S. Government embargo or designated as “terrorist supporting”, and that you are not on any U.S. Government list of prohibited or restricted parties.
- You must comply with any applicable third-party terms when using the App.
- Apple and Apple’s subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance have the right to enforce them against you.
19.Export and sanctions compliance
You agree to comply with all applicable export-control and sanctions laws, including those of the United States, and not to export, re-export, or transfer the App in violation of them.
20.General
- Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and us about the App, superseding any prior understanding.
- Severability. If any provision is held unenforceable, it is modified to the minimum extent necessary, or severed, and the rest remains in effect.
- No waiver. Our failure to enforce a provision is not a waiver of it.
- Assignment. You may not assign these Terms. We may assign them in connection with a merger, acquisition, or sale of assets, on notice.
- Force majeure. Neither party is liable for failure to perform due to causes beyond its reasonable control.
- Headings. Headings are for convenience and do not affect interpretation.
21.Contact
Integrate AI LLC
integrateai2026@gmail.com
(701) 781-4428