Terms of Service

Last updated: January 2025

1. Agreement to Terms

By accessing or using Unified ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these Terms, do not use the Service.

2. Description of Service

Unified is a personal financial management application that allows users to connect their Canadian bank accounts and view their financial information in one place.

Unified is not a bank or financial institution. We do not hold funds, process payments, transfer money, or provide financial advice.

3. Eligibility

  • Be at least 18 years of age
  • Be a resident of Canada
  • Have a valid email address
  • Have at least one Canadian bank account

4. Bank Account Connection

By connecting your bank accounts through our secure Open Banking connection, you:

  • Authorize our secure data provider to access your account information on your behalf
  • Confirm that you are the lawful owner of the accounts you connect
  • Understand that we receive read-only access and cannot initiate transactions

5. Data Accuracy Disclaimer

The financial information displayed is provided by your financial institutions through our secure data provider. We do not guarantee the accuracy, completeness, or timeliness of any data. Always verify important financial information directly with your bank.

6. Cookies and Tracking Technologies

Our Service uses cookies and similar tracking technologies to enhance your experience. By using the Service, you acknowledge that we use essential cookies required for the Service to function. Non-essential cookies (such as analytics and marketing cookies) are used only with your consent, which you may withdraw at any time through your browser settings or our cookie preferences tool.

For full details on the types of cookies we use and how to manage your preferences, please refer to the Tracking Technologies and Cookies section of our Privacy Policy.

7. Governing Law

These Terms shall be governed by the laws of the Province of Ontario, Canada.

8. Contact Us

If you have any questions about these Terms, contact us at: legal@unifiedbankings.com