Effective date: August 6, 2026
Contact: telleratme@gmail.com
DRAFT — review by a qualified attorney before public launch.
These Terms govern your use of the bear application and services
("the App"), operated by TELLER LLC ("we," "us"). By
creating an account or using the App you agree to these Terms and to the
Privacy Policy.
bear is a personal- and business-finance organizer and document tool
with an AI assistant. It helps you track money, scan and manage documents,
and act on your own instructions.
It is not: a bank, a lender, a money transmitter, an investment,
credit-repair, legal, accounting, or tax advisor. Nothing in the App —
including AI answers, forecasts, health scores, payoff plans, P&L
statements, and drafted letters — is professional advice. Verify important
numbers and consult a qualified professional before significant decisions.
The App cannot move your money.
You must be at least 18 and provide accurate information. Keep your
credentials and PINs confidential; you're responsible for activity under
your account. Demo accounts are for evaluation and may be reset or removed.
The assistant executes instructions you give it (adding, editing, and
deleting records; preparing documents; drafting messages). You review its
work: outputs may be inaccurate, and you are responsible for confirming
anything important before relying on it or sending it. Actions that leave
your account (email, fax, sharing) require your confirmation and are your
responsibility as the sender.
Bank linking is provided through Plaid Inc. By linking, you grant us and
Plaid the right to access account data at your institutions to provide the
service, and you agree to Plaid's End User Privacy Policy. Balances and
transactions come from your institutions and may lag or contain their
errors.
You may only upload documents you have the right to possess and share. The
signature feature applies your typed or drawn mark to a document at your
direction; you are responsible for determining whether an electronic
signature is legally appropriate for a given document and jurisdiction. We
are not a party to any agreement you sign.
When you direct the App to send a document or request one via a link, you
confirm you have the right to send that content and that the recipient
information is correct. Free-tier sends may include a bear signature
line. Delivery depends on third-party networks and is not guaranteed;
statuses shown reflect carrier/server responses.
Premium features are offered at the prices shown in the App (currently
$8.99/month or $79.99/year), billed through the App Store; Apple's terms
govern billing, renewal, and cancellation. Referral rewards (such as free
Premium months) are promotional, may be modified or revoked in cases of
abuse (self-referral, fake accounts), and have no cash value. Premium
includes a monthly allowance of AI assistance sized for ordinary use;
use beyond it requires an optional AI credit pack purchased with
explicit on-screen confirmation through the App Store. AI credits have
no cash value and are consumed by AI usage at the rates shown at
purchase. The App's non-AI features are never metered.
Don't: break the law; upload content you have no right to; use the App to
harass or defraud; probe, overload, or reverse-engineer the service; resell
it; or attempt to access another user's data. We may suspend or terminate
accounts that do.
You own your data and documents. You grant us a limited license to host,
process, and transmit them solely to operate the App (including AI
processing described in the Privacy Policy). We don't claim ownership and
don't use your private content to advertise to you.
The App is provided "AS IS" and "AS AVAILABLE." We work hard on
reliability, but we don't warrant uninterrupted or error-free operation,
and we may add, change, or retire features. Back up documents that matter
(bear Files and exports make this easy).
TO THE MAXIMUM EXTENT PERMITTED BY LAW: WE DISCLAIM ALL WARRANTIES, EXPRESS
OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE,
AND NON-INFRINGEMENT. WE ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL,
CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOSS OF PROFITS, DATA, OR
GOODWILL. OUR TOTAL LIABILITY FOR ANY CLAIM IS LIMITED TO THE GREATER OF
$100 OR THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM. Some
jurisdictions don't allow these limits, so they may not fully apply to you.
You'll indemnify us against claims arising from your content, your sends,
or your breach of these Terms.
You can stop using the App and request account deletion at any time. We may
suspend or terminate for breach. Sections that by nature survive (9, 11,
12, 14) survive termination.
These Terms are governed by the laws of the State of Texas, excluding
conflict-of-law rules. Disputes will be resolved in the state or federal courts located
in Texas unless applicable law provides otherwise.
We may update these Terms; material changes will be announced in the App.
Continued use after changes take effect means you accept them.