Terms of Use

Welcome to Ray. The Services help you understand your money: Plan (budgets and what's left), Talk (questions about your balances, spending, and bills), and related figures from live account data. How long your money lasts and your spending rate may appear as part of that picture. To use the core product, you must connect your bank accounts through our bank-connection provider. The Services include the website at ray.sunflower.builders, related APIs, and applications (the "Services"). Ray is operated by Sunflower Studios (sunflower.builders). Questions: contact us in the Ray app under You → Legal & support → Contact us.

These Terms of Use (the "Terms") are a binding contract between you and Sunflower Studios, operating Ray ("Ray," "we," and "us"). You must agree to all of the Terms, or you do not have the right to use the Services. Using the Services in any way means you agree to these Terms, including the Privacy Policy.

1. Will these Terms ever change?

We may change these Terms as the Services evolve. If we do, we will post a notice on ray.sunflower.builders and/or notify you by email or another reasonable means. Continued use after changes means you accept the updated Terms.

2. Age requirement and user accounts

You must be at least 18 years old to use Ray. By creating an account or using the Services, you represent that you are at least 18. You agree to provide accurate information and keep credentials confidential. Notify us immediately if you believe your account is compromised.

3. Permitted use

Ray provides Plan, Talk, account authentication, required bank linking, and transaction classification for your own personal use. You agree to connect the bank accounts needed for live balances and Plan / Talk (typically chequing, savings, and credit) and to keep those connections in good standing. You may use the Services only in accordance with these Terms and applicable law.

You may not use the Services to infringe others' rights, harass or defraud anyone, scrape or resell access, or attempt unauthorized access to systems or data. Misuse may result in suspension or termination.

4. Fees

Ray is a paid monthly subscription. New accounts receive a short free trial. In the iOS app you subscribe through Apple's In-App Purchase: Apple charges your Apple ID, the subscription renews automatically each month until you cancel at least 24 hours before renewal, and you manage or cancel it in your iPhone Settings → Apple ID → Subscriptions. Refunds for App Store purchases are handled by Apple under its terms. After the trial, continued access requires an active subscription. If payment fails or the subscription ends, product access is gated until you resubscribe. Account data is kept so you can pick up where you left off.

4A. Talk and AI

Talk answers questions about your money using a third-party AI provider. When you use Talk, your message and the money context needed to answer it are sent to that provider, as described in section 2.5 of our Privacy Policy. Talk is optional. By using it, you consent to that sharing.

Talk's replies are generated by AI and can be wrong. Ray gives general budgeting help, not financial, tax, legal, or investment advice, and is not a registered adviser. Check important decisions with a qualified professional.

5. Privacy Policy

By using the Services, you acknowledge our Privacy Policy, which explains how we collect, use, and protect personal information. We do not sell your personal information.

6. Your data and content

You own data you upload or create through the Services ("Your Data"), including notes and classification overrides. You grant Ray a non-exclusive, worldwide, royalty-free license to use, store, process, and display Your Data solely to provide, maintain, secure, and improve the Services and to comply with law.

You can delete your account in the app (You → Privacy & security → Delete account). This erases your login, personal information, and account data. Talk conversations are kept in unlinked form, not tied to you, as described in section 7.1 of the Privacy Policy. For an export, contact us in the Ray app under You → Legal & support → Contact us.

7. Content and intellectual property

Platform content (text, design, logos, software) is owned by Ray or its licensors and protected by intellectual property laws. You may not copy, reverse-engineer, or exploit the Services for commercial resale without written permission.

The name "Ray," its logo, and related marks are property of Sunflower Studios or affiliates and may not be used without consent. Infringement claims: contact us in the Ray app under You → Legal & support → Contact us.

8. Third-party services

The Services integrate with third parties (for example Supabase, Google Cloud, Plaid for required bank connections, an AI provider for Talk, and Apple for sign-in and payments). Those services are not controlled by Ray. Your use of them is at your own risk and subject to their terms. Ray is not responsible for third-party content, availability, or security incidents on those services. Disputes with third parties must be resolved with that provider.

9. No warranties and limitation of liability

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND. SUNFLOWER STUDIOS DOES NOT GUARANTEE UNINTERRUPTED, ERROR-FREE, OR SECURE SERVICE, OR THE ACCURACY OF PLAN, FORECAST, OR BALANCE CALCULATIONS. YOU USE THE SERVICES AT YOUR OWN RISK.

Ray does not guarantee any financial outcome. Projections depend on connected-institution data, classification rules, and factors outside our control.

TO THE FULLEST EXTENT PERMITTED BY LAW, SUNFLOWER STUDIOS AND ITS AFFILIATES SHALL NOT BE LIABLE FOR INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF THE SERVICES. OUR TOTAL LIABILITY FOR CLAIMS RELATED TO THE SERVICES WILL NOT EXCEED THE GREATER OF AMOUNTS YOU PAID US FOR THE SERVICES IN THE 12 MONTHS BEFORE THE CLAIM OR $100.

You agree to indemnify Ray from claims arising from your misuse of the Services or violation of these Terms.

10. Termination

You may stop using the Services at any time and delete your account in the app, or ask us to in the Ray app under You → Legal & support → Contact us. We may suspend or terminate access for Terms violations or conduct that harms the platform or other users. Upon termination you may lose access to stored data; back up anything important first.

11. Governing law

These Terms are governed by the laws of Canada, without regard to conflict of laws principles. You consent to the exclusive jurisdiction of courts located in Canada for disputes arising from these Terms.

12. Apple App Store terms

If you downloaded Ray from the Apple App Store, these Terms are your end user license agreement for the app, and the following also applies:

• Acknowledgement. These Terms are between you and Sunflower Studios only, not Apple. Sunflower Studios, not Apple, is solely responsible for the app and its content. These Terms do not provide for usage rules that conflict with the Apple Media Services Terms and Conditions as of the date you accept them.
• Scope of license. We grant you a limited, non-transferable license to use the app on Apple-branded products that you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions. The app may also be accessed by other accounts associated with you through Family Sharing or volume purchasing, where available.
• Maintenance and support. Sunflower Studios is solely responsible for any maintenance and support for the app. Apple has no obligation to provide any maintenance or support services for the app.
• Warranty. Sunflower Studios is solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. If the app fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) for the app to you. To the maximum extent permitted by law, Apple has no other warranty obligation for the app, and any other claims, losses, liabilities, damages, costs, or expenses from a failure to conform to a warranty are the sole responsibility of Sunflower Studios.
• Product claims. Sunflower Studios, not Apple, is responsible for addressing any claims by you or a third party relating to the app or your possession or use of it, including (a) product liability claims; (b) any claim that the app fails to conform to any applicable legal or regulatory requirement; and (c) claims arising under consumer protection, privacy, or similar legislation. These Terms do not limit Sunflower Studios's liability to you beyond what applicable law permits.
• Intellectual property. If a third party claims that the app or your possession and use of it infringes that third party's intellectual property rights, Sunflower Studios, not Apple, is solely responsible for the investigation, defense, settlement, and discharge of that claim.
• Legal compliance. You represent and warrant that (a) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country; and (b) you are not listed on any U.S. Government list of prohibited or restricted parties.
• Third-party terms. You must comply with applicable third-party terms of agreement when using the app, for example your wireless data service agreement and the terms of the bank connection provider you use to link accounts.
• Third-party beneficiary. Apple and Apple's subsidiaries are third-party beneficiaries of these Terms. Once you accept these Terms, Apple has the right (and is deemed to have accepted the right) to enforce them against you as a third-party beneficiary.

13. Contact

Questions, complaints, or claims about Ray or these Terms: contact Sunflower Studios in the Ray app under You → Legal & support → Contact us, or by email at sunflowerstudiotoronto@gmail.com.

Sunflower Studios
Toronto, Ontario, Canada