Terms of Service
The agreement between you and Julian: who can use it, what it does and doesn't do, and what each of us is responsible for.
The short version
- Julian turns your own financial data into a budget and a forecast. Everything it shows is an estimate.
- It isn’t financial, tax or legal advice. Check important decisions with a professional.
- Claude, the AI in Julian, can be wrong. Nothing in your budget changes until you apply it.
- Your data is yours. The Privacy Policy explains how we handle it, and you can delete it at any time.
Who can use Julian
Julian is invite-only for now: you can sign in only with an email address we’ve invited. Anyone else can join the waitlist, and we’ll tell you when there’s room. You must be 18 or older, and you use Julian for your own household, not on behalf of a business or for someone else’s money without their permission.
By signing in, you agree to these terms. If you don’t agree, please don’t use Julian.
Your part
- Keep your email secure. You sign in with a one-time code sent to your email, so anyone who can read your email can sign in as you. Tell us straight away if you think someone else has.
- Bring in accurate data. Julian’s figures are only as good as the transactions, paychecks and household details you give it. Only add data you have the right to use.
- Use it fairly. Don’t try to reach other households’ data, get around the limits, overload the service, or use Julian for anything unlawful.
What Julian does, and doesn't do
Julian reads the transactions you upload, builds a budget from them, estimates your taxes from public rules, and projects the years ahead from your figures and assumptions. You can change any of it.
Julian doesn’t move money, pay bills, make investments, or act on your accounts. It isn’t a bank, a broker, a tax preparer or a financial adviser, and it doesn’t file anything for you.
Not financial, tax or legal advice
Everything Julian shows is an estimate worked out from your own data and publicly available rules: your budget, your forecast for the years ahead, your tax estimates, your home’s value, and anything Claude says. Tax rules, prices and your own circumstances change, and an estimate can be off.
None of it is financial, tax, investment or legal advice. Use it to think things through, and check important decisions (a home, a job, taxes, retirement) with a qualified professional.
Claude and AI
Julian uses Claude, an AI made by Anthropic, to read your transactions and documents, look up tax rules, and answer your questions. AI can misread a document, get a rule wrong, or sound sure when it shouldn’t. Claude suggests changes; nothing in your budget changes until you apply them, and you can undo them. Check what it proposes before you rely on it.
An app you connect to your budget (such as Grok Bot or ChatGPT) acts for you: the changes it makes, and the transactions it brings in from its own connection to your bank, are yours, and it can make mistakes too. It’s run by its own company, under that company’s terms. Every change it makes is recorded and can be undone in Julian, and you can disconnect it in Settings.
Your data
Your financial data belongs to you. You let us store and process it only to run Julian for you, as the Privacy Policy describes, including which service providers see it. You can download a copy of your data at any time from Settings, and you can delete everything you’ve added from Settings whenever you like.
Availability
Julian is a small, new service, provided “as is” and “as available”. We work to keep it running and your data safe, but we can’t promise it will always be available, error-free or fit for a particular purpose, and to the extent the law allows we make no warranties beyond what these terms say. We may change, pause or stop features, and we’ll give you notice before anything that affects your data.
Limitation of liability
To the extent the law allows, Julian isn’t liable for indirect or consequential losses, or for decisions you make based on its estimates, and our total liability to you for anything related to Julian is limited to the amount you’ve paid us in the past twelve months (Julian is free today, so that amount is zero). Some places don’t allow these limits, so they may not all apply to you; nothing here limits rights the law says can’t be limited.
Ending your account
You can stop using Julian at any time. Delete all your data from Settings, and ask us (see Contact below) to close your account entirely, including your sign-in. We may suspend or close an account that breaks these terms or puts other households or the service at risk; unless the law or safety prevents it, we’ll tell you why and give you a chance to take a copy of your data first. If we ever shut Julian down, we’ll give you reasonable notice to do the same.
Changes to these terms
If we change these terms, we’ll update the date at the top. If a change is significant, we’ll tell you before it applies to you. Using Julian after that means you accept the new terms.
Governing law
These terms are governed by the laws that apply where Julian is operated, without regard to conflict-of-law rules. Nothing here takes away protections you have under the consumer law where you live.
Contact
Questions about these terms: email us at privacy@julian.finance.