Terms of Use — PILLAR Momentum App V1.2
Effective Date: October 1, 2026
These Terms of Use (“Terms”) govern your access to and use of the PILLAR Momentum mobile application (“PILLAR Momentum,” “PILLAR,” or the “App”), provided by PILLAR AI Inc. (“PILLAR AI,” “we,” “our,” or “us”).
Please read these Terms carefully. By accessing or using PILLAR Momentum, or by selecting the applicable acceptance control within the App, you agree to these Terms and our Privacy Policy.
If you do not agree to these Terms, do not use the App.
1. About PILLAR Momentum
PILLAR Momentum is a personal financial planning and informational tool designed to help users organize financial information, understand their financial position, explore possible scenarios and make their own financial decisions.
Depending on the features available to you, PILLAR may provide tools including:
financial health scores;
budgeting and cash-flow tools;
net-worth tracking;
debt and mortgage calculations;
financial forecasts and projections;
goals and progress tracking;
Next Best Moves and other planning insights;
What-If scenarios;
manually entered financial information;
Connected Banking; and
transaction review and allocation tools.
Some features are available without connecting a financial institution. Other features may require a PILLAR account, a paid subscription, Connected Banking, or services provided by third parties.
2. Informational Tool — Not Professional Advice
PILLAR is provided for informational, educational and personal financial-planning purposes only.
PILLAR AI Inc. is not acting as your financial adviser, investment adviser, portfolio manager, accountant, tax adviser, lawyer, mortgage broker, insurance adviser, credit counsellor, bank or other professional adviser through your use of the App.
Nothing provided through PILLAR constitutes financial, investment, tax, accounting, legal, insurance or other professional advice.
Scores, insights, Next Best Moves, Quickest +1 suggestions, forecasts, projections, What-If scenarios, calculations and other outputs are tools intended to help you consider your own financial circumstances. They are not recommendations or instructions to purchase or sell investments, incur or repay debt, refinance a mortgage, change insurance, alter tax strategies or undertake any other financial transaction.
You remain responsible for your financial decisions.
You should consult an appropriately qualified professional where professional advice is required.
3. Estimates, Assumptions and Projections
PILLAR may produce calculations, forecasts and projections using information you provide, information obtained through Connected Banking, mathematical assumptions, default assumptions or combinations of these sources.
These outputs are estimates only.
Assumptions may include, among other things:
investment growth rates;
home or asset appreciation;
interest rates;
debt repayment assumptions;
mortgage information;
income and expense assumptions;
savings rates; and
other financial variables.
Actual financial results may differ materially from PILLAR's estimates.
Past performance does not guarantee future results, and no forecast, score, projection or scenario presented by PILLAR guarantees any particular financial outcome.
You are responsible for reviewing the information and assumptions used in your planning.
4. Eligibility and Accounts
You must be legally capable of agreeing to these Terms in the jurisdiction where you reside.
PILLAR is not directed to children under 13.
Certain features, including Connected Banking or services provided by financial institutions or third-party providers, may be subject to additional age, eligibility or account requirements imposed by those providers.
Some PILLAR features can be used without creating an account. Features that rely on cloud services, including Connected Banking, may require you to create or sign in to a PILLAR account.
You agree to provide accurate information when creating or maintaining an account and to take reasonable steps to protect your login credentials and device.
You are responsible for activity conducted through your account or device to the extent permitted by applicable law.
If you believe your account has been compromised, you should contact PILLAR promptly.
5. Private Mode
PILLAR may be used in Private Mode without connecting a financial institution.
In Private Mode, manually entered financial planning information is primarily maintained on your device.
Private Mode does not mean that no information ever leaves your device. Services such as analytics, attribution, subscription management, authentication when used, support, and information you intentionally export or share may operate as described in our Privacy Policy.
Use of Private Mode does not provide Connected Banking functionality.
6. Connected Banking
Connected Banking is optional.
If you choose to use Connected Banking, PILLAR may allow you to connect supported financial accounts through third-party financial-data providers, including Plaid.
Depending on the accounts and features you authorize, Connected Banking may provide information including:
financial institution and account information;
account balances;
transaction information;
liability information;
investment-account information;
currency information; and
connection and synchronization information.
By choosing to connect a financial account, you authorize PILLAR and the applicable financial-data provider to access and process the information you authorize for purposes of providing Connected Banking and related PILLAR functionality, subject to our Privacy Policy and any applicable third-party terms.
PILLAR does not ask you to provide your online banking username or password directly to PILLAR. Authentication with a financial institution is handled through the applicable financial-data provider and financial institution.
7. No Money Movement or Transaction Authority
Connecting a financial account to PILLAR does not authorize PILLAR to:
transfer money;
initiate bank payments;
withdraw funds;
make deposits;
purchase or sell investments or securities;
execute trades;
borrow money on your behalf; or
otherwise transact through your financial accounts.
PILLAR is not a bank, brokerage, payment processor or money-transfer service.
Connected Banking is used to provide financial information and planning functionality within PILLAR.
8. Connected Financial Information May Be Delayed or Inaccurate
Financial information obtained through Connected Banking depends on third-party financial institutions, data providers, network availability and synchronization processes.
Accordingly, balances, transactions, investment information, liability information or other Connected Banking information may:
be delayed;
be incomplete;
contain errors;
temporarily become unavailable; or
differ from information shown directly by your financial institution.
Unless expressly stated otherwise, Connected Banking information should not be treated as real-time account information.
Your financial institution's official records should be used when an exact or current balance, transaction, payment obligation, investment position or other financial record is required.
PILLAR is not responsible for decisions made solely in reliance on delayed, incomplete or inaccurate third-party financial information, subject to applicable law.
9. Imported Transactions
Where transaction importing is available and enabled, connected transactions may be imported into PILLAR for review.
Imported transactions do not automatically become part of your PILLAR planning information merely because they are received from a financial institution.
PILLAR may allow you to review, categorize, allocate, exclude or otherwise manage imported transactions before applying them to applicable planning features.
You are responsible for reviewing imported information for accuracy and determining how it should be treated within your financial plan.
10. Third-Party Services
PILLAR relies on third-party services to provide portions of the App.
These may include services such as:
Plaid for financial-account connectivity;
Supabase for authentication and cloud infrastructure;
RevenueCat for subscription and entitlement management;
Apple for App Store purchases and platform services;
PostHog for product analytics; and
AppsFlyer for attribution and marketing measurement.
Your use of certain third-party services may also be subject to the applicable provider's terms, privacy policy or other agreements.
PILLAR does not control the operation, availability or policies of third-party financial institutions or independent third-party services.
A third-party service may change, suspend or discontinue functionality, which may affect features available in PILLAR.
11. Subscriptions and Paid Features
PILLAR may offer free and paid features, including subscription-based access.
Available plans may include Private/Premium features, Connected Banking features or other functionality offered from time to time.
Subscription prices, billing periods, trial availability and included features are displayed through the App or Apple's App Store at the time of purchase and may vary by storefront, jurisdiction or promotional offer.
Purchases made through Apple's App Store are processed by Apple.
PILLAR does not directly process your App Store payment-card information.
12. Automatic Renewal, Trials and Cancellation
Where a PILLAR subscription is offered as an auto-renewable subscription through Apple's App Store, it will renew automatically at the end of the applicable subscription period unless cancelled in accordance with Apple's subscription-management process.
If a free or discounted trial is offered, the duration and applicable terms will be presented at the time of purchase. Unless cancelled as permitted through Apple, the subscription may convert to a paid subscription at the applicable price when the trial ends.
You can manage or cancel an App Store subscription through your Apple account or device subscription settings.
Deleting PILLAR, resetting the App, disconnecting Connected Banking, signing out, or deleting your PILLAR account does not automatically cancel an Apple subscription.
You must separately cancel the subscription through Apple if you want recurring App Store billing to stop.
13. Refunds
Purchases made through Apple's App Store are subject to Apple's applicable payment, cancellation and refund policies.
PILLAR does not independently control Apple's decision whether to approve an App Store refund.
Nothing in these Terms limits any refund or consumer right that cannot lawfully be excluded under applicable law.
14. Changes to Plans, Pricing and Features
PILLAR may modify its plans, features, subscription offerings or pricing from time to time.
Changes to App Store subscription pricing are subject to Apple's applicable processes and requirements.
We may add, modify or discontinue features, including free, paid or Connected Banking functionality.
Where required by applicable law or platform requirements, we will provide applicable notice or obtain consent before a change takes effect.
15. Acceptable Use
You agree not to misuse PILLAR.
You must not knowingly:
use PILLAR for unlawful or fraudulent purposes;
attempt to gain unauthorized access to another user's account or information;
interfere with the security, integrity or operation of the App or its supporting systems;
circumvent access controls, subscription restrictions or security measures;
attempt to obtain unauthorized access to PILLAR's servers, databases or third-party connections;
introduce malicious code or intentionally disrupt the service;
impersonate another person;
use another person's financial account without appropriate authorization;
use automated means to abuse, overload or improperly extract information from PILLAR's services; or
use PILLAR in a manner that violates applicable law or the rights of another person.
Reasonable personal use of your own information and permitted exports is not prohibited by this section.
16. Intellectual Property
PILLAR Momentum, including its software, design, branding, graphics, interfaces, scoring systems, planning tools, text and other content provided by PILLAR AI Inc., is owned by or licensed to PILLAR AI Inc. and is protected by applicable intellectual-property laws.
Subject to these Terms, PILLAR grants you a limited, personal, non-exclusive, non-transferable and revocable right to use the App for its intended purposes.
These Terms do not transfer ownership of PILLAR or its intellectual property to you.
You retain ownership of information and content that you provide to PILLAR, subject to the rights reasonably necessary for PILLAR and its service providers to process that information to provide the services you request and as described in our Privacy Policy.
17. Exports and User Content
PILLAR may allow you to create, download or share exports containing financial information, planning information, transactions, notes, receipts, scores or other content.
You are responsible for deciding whether, where and with whom to save or share exported information.
Once information has been exported or shared outside PILLAR, PILLAR may no longer control copies of that information.
You are responsible for ensuring that information you enter, upload or store through PILLAR does not violate applicable law or the rights of others.
18. Resetting, Disconnecting, Removing Connections and Account Deletion
PILLAR provides different controls for different purposes.
Resetting App Data affects local App information according to the reset option selected. A reset does not necessarily delete your PILLAR account, delete cloud-stored Connected Banking information, revoke a financial connection or cancel a subscription.
Disconnecting Connected Banking may stop or change how a connection is used within PILLAR but does not necessarily delete all historical information associated with that connection.
Removing a Financial Connection may revoke the active financial-data-provider connection while certain historical information may remain as described in our Privacy Policy.
Deleting Your PILLAR Account initiates PILLAR's account-deletion process, including applicable cloud-data deletion or de-identification and revocation of associated financial-provider access, subject to the retention and limitations described in our Privacy Policy.
Account deletion does not automatically cancel an Apple subscription.
19. Service Availability
We aim to make PILLAR available reliably, but we do not guarantee that the App or any particular feature will always be available, uninterrupted or error-free.
Availability may be affected by:
maintenance;
software updates;
internet or device issues;
third-party providers;
financial institutions;
App Store services;
outages;
security events;
legal or regulatory requirements; or
circumstances beyond PILLAR's reasonable control.
Connected Banking availability may also depend on whether a particular financial institution or account type is supported.
We may temporarily suspend functionality where reasonably necessary for security, maintenance, legal compliance or service integrity.
20. Updates to the App
PILLAR may release updates, corrections or new versions of the App.
Some updates may be required to continue using particular functionality or to maintain compatibility, security or regulatory compliance.
Features may change as PILLAR evolves.
21. Suspension and Termination
You may stop using PILLAR at any time.
We may suspend or restrict access to an account or feature where reasonably necessary to:
protect PILLAR or its users;
investigate suspected unauthorized or fraudulent activity;
address a material violation of these Terms;
comply with legal requirements;
respond to security risks; or
maintain the integrity of the service.
Where reasonable and legally permitted, we will seek to provide appropriate notice.
Termination or deletion of a PILLAR account does not automatically cancel an Apple subscription.
Sections of these Terms that by their nature should survive termination—including provisions concerning intellectual property, disclaimers, limitations of liability and dispute-related provisions—will continue to apply where appropriate.
22. Disclaimer of Warranties
To the maximum extent permitted by applicable law, PILLAR is provided on an “as is” and “as available” basis.
PILLAR AI Inc. does not guarantee that:
PILLAR will always be available or error-free;
financial information will always be current, complete or accurate;
calculations or projections will match actual outcomes;
a particular financial goal or result will be achieved; or
third-party services or financial institutions will remain available or compatible.
You are responsible for independently verifying information where accuracy is important to a financial decision.
Nothing in these Terms excludes warranties, guarantees or other rights that cannot lawfully be excluded.
23. Limitation of Liability
To the maximum extent permitted by applicable law, PILLAR AI Inc. and its directors, officers, employees and agents will not be liable for indirect, incidental, special, consequential, exemplary or punitive damages arising from or relating to your use of or inability to use PILLAR.
This includes, where legally permitted, losses arising from:
financial decisions made using the App;
inaccurate or incomplete information supplied by you;
forecasts or assumptions differing from actual results;
delayed or inaccurate third-party financial information;
temporary service interruptions;
third-party service failures; or
loss of information outside PILLAR's reasonable control.
Nothing in these Terms excludes or limits liability where doing so is prohibited by applicable law.
Nothing in these Terms is intended to waive rights or remedies you may have under applicable consumer-protection legislation.
24. Privacy
Your use of PILLAR is also subject to our Privacy Policy, which explains how PILLAR collects, uses, discloses, stores and protects personal information.
Connected Banking involves the processing of financial information as described in the Privacy Policy and in applicable in-App disclosures.
Where consent is required for the collection, use or disclosure of personal information, PILLAR will seek consent in accordance with applicable privacy requirements.
Canadian privacy guidance emphasizes that meaningful consent requires users to understand what information is collected, why it is collected, with whom it is shared and the consequences of the processing.
25. Changes to These Terms
We may update these Terms as PILLAR, our services, legal requirements or business practices change.
When we make material changes, we may update the version and effective date and require you to review and accept the updated Terms before continuing to use the App.
Your continued use after any required acceptance process constitutes acceptance of the updated Terms.
The current Terms will be made available through PILLAR and on the PILLAR website.
26. Electronic Agreement
You agree that these Terms and related agreements may be provided and accepted electronically.
Selecting an acceptance checkbox or button, or taking another action clearly presented as acceptance within PILLAR, may constitute your electronic acceptance of these Terms.
Ontario's Electronic Commerce Act recognizes electronic contracts and provides that contractual acceptance may be expressed electronically, including by clicking an appropriate on-screen control.
27. Governing Law
These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-law principles.
Subject to any rights you may have under applicable consumer-protection law, disputes relating to these Terms or PILLAR will be subject to the jurisdiction of the courts of Ontario, Canada.
Nothing in this section deprives you of mandatory rights or protections that apply to you under applicable law.
28. Severability
If any provision of these Terms is found to be invalid, illegal or unenforceable, that provision will be interpreted or limited to the minimum extent necessary, and the remaining provisions will continue in effect to the extent permitted by law.
29. Entire Agreement
These Terms, together with the Privacy Policy and any additional terms expressly presented for a particular PILLAR feature or service, constitute the agreement between you and PILLAR AI Inc. concerning your use of PILLAR.
If additional terms apply to a specific feature, those additional terms will govern that feature to the extent of any conflict.
30. Contact
Questions about these Terms may be directed to:
PILLAR AI Inc.
Email: Info@PillarMobileApp.com
Privacy-related requests or questions may be directed to:
Privacy Officer
PILLAR AI Inc.
Email: Info@PillarMobileApp.com