The full terms that apply while you use ClarityApp, the same terms referenced in the in-app Help & guide panel. ClarityApp is operated by Margini Labs, LLC, a Maryland limited liability company doing business as Margini Financial (“Margini Labs,” “we,” “us”).
ClarityApp calculates real figures from the data you enter — financial reporting, categorization, forecasting, and analysis, not just a place to store numbers — and shows general rules of thumb (for example, a common cash-reserve target or a typical margin range) alongside them. That analysis is information to support your own decisions, not individualized professional advice: not a personal recommendation about what you specifically should do, and not individualized tax, accounting, financial, investment, or legal advice for your situation. General benchmarks shown in the app describe broad rules of thumb, not a measured comparison against businesses like yours; what's typical varies a lot by trade, location, and stage.
Using ClarityApp does not create an accountant-client, advisor-client, or any other professional relationship with Margini Labs, its founder, or anyone associated with it — even though the app was built by a licensed CPA, and even though it performs real financial analysis. ClarityApp is a software product, not a CPA firm: it doesn't perform audits, reviews, compilations, attest engagements, or provide individualized tax preparation or investment advisory services. "Built by a CPA" describes the expertise behind the software, not a professional service being delivered through it. For decisions with real financial, tax, or legal consequences, consult a licensed professional who can review your specific situation.
These Terms govern ClarityApp, the software, only.
Signing in uses a one-time email link; your email address and basic account details (when you signed up, when you last signed in, your business name and type) are stored with our identity provider, Supabase, so we can recognize you across sessions. That's identity data, not your business's financial data.
Your actual financial data, sales, expenses, products, fixed costs, and everything else you enter, is stored one of two ways depending on your business's plan:
Invoicing follows the same split. On plans that include cloud sync, the invoices and drafts you save, your invoice settings, and the customer details you enter for them are stored in our cloud database and are available to the people you have authorized on the business, according to the permissions assigned to each person. On plans without cloud sync, including the Free plan, they stay on your device and are not stored in our cloud database. Creating an invoice and saving it as a PDF happens in your browser on every plan. Emailing an invoice, sending payment reminders, and the private page your customer opens are cloud features of the plans that include cloud sync: when you use them, the invoice and your customer's name and email address are sent through our email provider so we can deliver them. Invoices cannot be deleted in the app; they can be voided. See Section 18 and our Privacy Policy.
Separately, and regardless of which of the above applies to you, ClarityApp includes an optional cloud backup feature, available on every plan. If you turn it on, your financial data is encrypted in your browser, with a passphrase only you know, before anything is uploaded. We store the encrypted result, not your numbers, and we cannot read it or recover it for you if you lose that passphrase. This is a recovery safety net, distinct from the cloud sync described above: sync keeps an authorized team's data current across devices, backup protects you if data is ever accidentally deleted or corrupted. Turning backup on is always your choice; it's off by default. Full detail in our Privacy Policy.
ClarityApp is beta software. It may contain errors, and its calculations, insights, and imports are provided "as is," without a guarantee of accuracy, completeness, or fitness for any particular purpose. Every figure the app shows is only as accurate as what you've entered and how completely you've entered it: incomplete data can produce a figure that is technically calculated correctly but does not reflect your actual financial position. Review figures before relying on them for a filing, an application, or any decision with real consequences, and verify anything that surprises you.
ClarityApp is in beta. These Terms — not a separate agreement — are what govern your use of it. A Free plan remains available at no cost, and paid plans (Pro/Business) are available for accounts that want additional features or limits — see Section 5 below for how billing works if you choose one.
During the beta, expect that: functionality, features, wording, and modules can change, be added, or be removed as we act on feedback and keep building; availability may vary and isn't guaranteed; and the app itself, not the user guide or any other description of it, is always the current source of truth for what a feature actually does.
Feedback. Anything you share with us about ClarityApp — bug reports, suggestions, comments — may be used to improve the product, without any obligation to you for it. We won't publish your name or your business's numbers alongside feedback you give us without asking you first.
Because this is beta software, keep your own backups (Section 2) and verify anything important before relying on it (Section 3).
If you choose a paid plan, billing is handled by Stripe, our payment processor — we never see or store your full card number. Subscriptions bill on a recurring basis (monthly or annual, as shown at checkout) and renew automatically until you cancel. You can view your current plan, update payment details, or cancel at any time from Settings → Billing, which opens Stripe's own secure billing portal.
Cancelling stops future renewal; you keep access through the end of the period you already paid for. Refund policy: we don't offer refunds for partial billing periods or unused time, except where required by law. If you believe you were charged in error, email hello@marginifinancial.com within 14 days of the charge and we'll look into it. Downgrading to Free or letting a subscription lapse never deletes your data, and your ability to export via Backup stays true regardless of plan — but note that if your business had cloud sync under Pro or Business, downgrading to Free (outside the early-access exception in Section 2) turns sync off going forward: your data as it stood remains available in the app, but new changes stop being shared to the cloud for other members' devices, and the business reverts to Free's local-storage model described in Section 2.
If a payment fails, we'll attempt to notify you and give you a reasonable window to update your payment method before any paid feature is restricted; we won't delete your data for a failed payment.
The ClarityApp software, its design, calculations, and written content belong to Margini Labs. The data you enter, your sales, expenses, products, and any file you upload or export, belongs to you. We don't claim ownership of your business data by virtue of you entering it into the app.
In the course of using ClarityApp, you may come across information that isn't publicly available yet, unreleased features, how something works internally, or similar. Please treat that as confidential: don't share it publicly or use it outside of your own use of the app. This is separate from your own business data, which is yours and covered under Section 2 above, not this section.
ClarityApp and all of its calculations, insights, imports, and other features are provided "as is" and "as available," without warranties of any kind, express or implied, including any implied warranty of merchantability, fitness for a particular purpose, accuracy, or non-infringement, to the fullest extent the law allows.
To the fullest extent the law allows, Margini Labs and anyone associated with ClarityApp are not liable for indirect, incidental, consequential, special, or punitive damages, or for losses, damages, or costs arising from your use of the app, including decisions made based on its figures or insights, data lost due to a cleared browser or device failure, or interruptions during the beta period. This app supports your judgment, it does not replace it, and the decisions you make using it remain yours. Where liability isn't fully excluded by the above, Margini Labs' total aggregate liability to you, across all claims arising from these terms or ClarityApp, will not exceed the greater of $100 or the amount you paid us in the 12 months before the claim arose. Some jurisdictions don't allow the exclusion of certain warranties or the limitation of certain damages, so some of the above may not apply to you.
You agree to indemnify and hold Margini Labs harmless from any claim, loss, or expense (including reasonable attorneys' fees) arising from your violation of these terms, your misuse of ClarityApp, or your violation of any law or third party's rights in connection with your use of the app.
Use ClarityApp for its intended purpose: tracking and understanding your own business's finances. Don't attempt to disrupt the app, misrepresent data you upload as another business's without authorization, or use it in a way that violates applicable law. Don't copy, redistribute, or attempt to extract the app's source code or underlying methodology beyond what's needed for your own ordinary use of it in your browser.
Additional rules for invoices and for messages sent to your customers are in Section 18.
You must be at least 18 years old and able to form a binding contract to use ClarityApp. If you're using it on behalf of a business, you're confirming you have the authority to agree to these terms for that business. ClarityApp is intended for business use — tracking and understanding a business's finances — not as a personal or household budgeting tool. You are responsible for your email account and sign-in links, for giving access to a business only to people who should have it, and for telling us promptly at hello@marginifinancial.com if you think someone has accessed your account without authorization.
We may suspend or terminate your access if you violate these terms, misuse the app, or if required by law — where practical, we'll give you notice and a chance to export your data via Backup first. On Free, your financial data lives in your own browser (Section 2), so termination of your account doesn't by itself delete data you've kept locally or already exported; it affects sign-in, cloud backup, billing, and any other server-side feature only. If your business has cloud sync, termination does affect your cloud-stored financial data, since that data lives server-side — we'll retain it for a reasonable period to allow export or account recovery before deleting it. Deleted data may remain in our service providers' backups for a limited period, and deleting an account or a business does not remove copies kept in a browser on other devices. You can stop using ClarityApp at any time; if you're on a paid plan, cancel first (Section 5) to stop future billing.
Informal resolution first. Before filing any claim, contact us at hello@marginifinancial.com and give us 30 days to resolve the issue informally.
Binding arbitration. If we can't resolve a dispute informally, you and Margini Labs agree that any claim arising from these terms or ClarityApp will be resolved by binding, individual arbitration under the rules of the American Arbitration Association, rather than in court, except that either party may bring an individual claim in small-claims court instead if it qualifies. This means you and we both give up the right to a jury trial and to have a dispute decided by a judge.
Class action waiver. Disputes must be brought individually, not as a plaintiff or class member in any purported class, consolidated, or representative proceeding.
30-day opt-out. You can opt out of this arbitration section by emailing hello@marginifinancial.com with your name, account email, and a clear statement that you opt out, within 30 days of first agreeing to these terms. If you opt out, disputes will be resolved in the state or federal courts located in Maryland, and you agree to that venue and to personal jurisdiction there.
Severability of this section. If the class action waiver is found unenforceable, the rest of this arbitration section still applies; if this entire section is found unenforceable, disputes will instead proceed in the courts described in the opt-out paragraph above.
These terms are governed by the laws of the State of Maryland, without regard to conflict-of-law principles, except to the extent the Federal Arbitration Act applies to Section 14.
Entire agreement. These terms, together with the Privacy Policy, are the entire agreement between you and Margini Labs about ClarityApp, and replace any earlier understanding on the same subject. Severability. If any part of these terms is found unenforceable, the rest remains in effect. No waiver. Our not enforcing a provision isn't a waiver of it. Assignment. You may not assign these terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. Force majeure. Neither party is liable for delay or failure caused by events outside its reasonable control.
We may update this page as the app changes during the beta. The version available in the app's Help & guide panel or on marginifinancial.com is the current one. Continuing to use ClarityApp after an update means you accept the current version. If a change materially affects your rights (for example, Section 14's arbitration terms), we'll make a reasonable effort to notify active users directly, not just update this page silently.
ClarityApp lets you create an invoice from an entry in Who Owes Me and, on plans that include it, email that invoice to your customer. An invoice is a document about a transaction you record in ClarityApp. It does not process a payment. An invoice's status changes to paid only when you record a payment in ClarityApp, never because someone clicked a link. Do not record an invoice as paid until you have confirmed the payment.
You may include a payment link provided by a third-party payment service, such as Stripe. ClarityApp does not process, hold, transmit, or settle payments through that link, and it does not verify that the link is legitimate. You are solely responsible for the accuracy and legitimacy of any payment link you provide, your relationship with the payment provider, the goods and services you offer, the amounts you invoice, and any refunds, disputes, chargebacks, taxes, or other obligations associated with your transactions. Your use of third-party payment services is subject to the terms and policies of those providers.
In this section, "End Customer" means a customer, client, payer, or other business contact of yours who may receive an invoice, reminder, or other message through ClarityApp.
You may store information about your End Customers in ClarityApp, including on the invoices and drafts you create and, if you use it, in your Clients list, and use it to create invoices and send related messages. On plans with cloud sync, that information is stored in our cloud database and is available to the people you have authorized on the business, according to the permissions assigned to each person. You are responsible for that information, including the accuracy of email addresses and other contact details. By using the invoicing and email features you confirm that:
You authorize ClarityApp and its service providers to process End Customer information as reasonably necessary to provide the invoicing, email delivery, reminder, and related features you use. You remain responsible for deciding why and how you use that information and for giving your End Customers any privacy notices the law requires.
Invoices and payment reminders sent through ClarityApp are transactional messages about a transaction or ongoing business relationship. They are sent at your direction and on your behalf. You are responsible for their content, for the accuracy of what they say, and for your compliance with the law. Do not use ClarityApp to send unsolicited marketing, fraudulent invoices, phishing, or anything else that breaks the law or another person's rights. We may restrict, suspend, or disable email features if we reasonably believe they are being used for abuse, fraud, spam, or unlawful messages, or in a way that creates a security, legal, or reputational risk for ClarityApp or its users.
We use a third-party email provider to send messages. Email depends on systems we do not control, so we cannot guarantee that a message will be delivered, received, read, or acted on. A message may be delayed, rejected, or filtered into a spam or junk folder. ClarityApp shows a status of not sent, sent, or send failed. "Sent" means our email provider accepted the message; it does not mean the recipient received or read it, and we do not currently track whether a message was delivered, opened, or clicked. You are responsible for keeping your customers' email addresses accurate and for following up when a send fails.
You cannot delete an invoice in ClarityApp, but you can void it, for example if it was issued by mistake. A voided invoice remains in your records, keeps its invoice number, and is marked as void. Where applicable, the private invoice page shown to your customer also identifies the invoice as void. Voiding an invoice in ClarityApp does not cancel what your customer owes, reverse a payment, or issue a refund. You are responsible for determining whether an invoice must be corrected, replaced, or accompanied by a credit note under applicable tax, accounting, and consumer-protection requirements.
What each person on a business can do with invoices depends on the role you assign: Owners, Admins and Bookkeepers can create, change, send and void invoices; Managers can create and send invoices but not change or void them; Read-only members can view them. Advisors and support people can see invoices only at the access level you give them.
If the business is closed or you ask us to delete its cloud data, we will handle invoices and related records as described in our Privacy Policy, including any records we are required or permitted to keep.
Giving us an End Customer's email address so we can send an invoice or reminder does not sign that person up for messages from ClarityApp. We will not use an email address solely because it was provided through the invoicing features to send independent promotional emails about ClarityApp, and we do not sell those addresses.
ClarityApp lets an accounting, bookkeeping, or advisory firm (an "advisor firm") work with a client's business. This section applies when that happens.
The business remains under the control of the business owner (the "client"). An advisor firm does not acquire ownership of the client's business or its information merely by being given access to ClarityApp. A firm gets access only to a business whose owner has authorized it, either by entering the firm's code in Settings or by accepting an invitation from the firm. An invitation on its own gives the firm no access to anything. If the client accepts, the client's business is created under the client's own account. Adding a client does not transfer ownership, and a firm never becomes the owner of a client's business.
The client chooses, or accepts, the access level the firm receives, from view only up to full access. The firm's people can see and work with that business's information within that level. Through the firm relationship, people at the firm cannot add or remove the client's own users or change the client's access permissions. A client may separately invite an individual at the firm as an ordinary member of the business. The firm decides which of its own people can access each client and is responsible for those people and how they use the information.
The client or the firm can end the relationship. When the relationship ends, the firm's access to the client business ends. Ending the relationship does not delete the client's business, records, or history, and the client keeps the business and its data. A record of when access was granted, changed, and removed remains in the business's activity history.
An advisor firm may sponsor ClarityApp access for one or more client businesses through the firm's ClarityApp account. When a firm sponsors a client's access, the firm controls whether that client remains covered under the firm's plan, but sponsorship does not transfer ownership of the client's business or data to the firm. Margini Labs sets and may change the number of client businesses or other coverage included with a firm account. It is not a purchase of professional services and is not a commitment about future pricing. If a firm's included coverage ends or is reduced, or the firm account is suspended, affected businesses may return to the plan they would otherwise have, including the Free plan, under Section 5. Nothing is deleted because of that change. Where ClarityApp offers the option, a client may continue under its own subscription without creating a new business or losing its existing data.
As described in Section 1, ClarityApp is software. Margini Labs does not provide services to a client through an advisor firm and is not a party to the relationship between a firm and its client. The firm alone is responsible for the advice and services it provides, for its own professional, confidentiality, privacy, and other obligations, and for the people it gives access to.
Advisor firm accounts are created by Margini Labs on request, and the firm accepts the Advisor Firm Agreement before adding clients. We may suspend a firm account that is used in breach of these terms, including the acceptable use rules in Section 11. Suspension may end the firm's access to client businesses and may affect client coverage provided through the firm account. We will not delete a client's business or financial records solely because the firm's account is suspended.
Email hello@marginifinancial.com with any question about these terms, your data, or how the app works. We aim to respond within 24 hours.
By using ClarityApp, you're agreeing to the terms on this page. If something here doesn't match what you see in the app, the in-app "? Help & guide" panel is the next place to check, then hello@marginifinancial.com if you're still unsure.
Last updated October 11, 2026.