Terms & Conditions

1. Introduction & Agreement to Terms
Welcome to Serin™. These Terms of Service (“Terms”) govern your use of the Serin website, mobile app, and related services (together, the “Services”). By using Serin, you agree to these Terms and our Privacy Policy.

2. Serin™ Is Not a Bank

Serin™ is a financial technology company, not a bank. Banking services will be provided by FDIC-insured partner banks once available. To safeguard customers, Serin is designing a multi-bank partnership model that reduces reliance on any single institution. The Serin™ Card will be issued by a partner bank pursuant to a license from Visa/Mastercard.

3. Eligibility & Account Registration

You must be at least 18 years old and a resident of the United States to use Serin™. You agree to provide accurate, complete, and current information when creating an account. You are responsible for maintaining the confidentiality of your login credentials.

4. Banking & Card Services

Deposits will be held at an FDIC-insured partner bank once available. Customer funds are eligible for FDIC insurance coverage through pass-through insurance, provided conditions are met. Serin is designing a multi-bank partnership model to reduce reliance on any single institution; however, deposits will always be placed with an FDIC-insured partner bank. Card use is subject to Visa network rules.

5. Budgeting Tools & Insights

Serin™ provides budgeting tools, spending insights, and educational nudges. Budget reallocation suggestions are for educational purposes only and do not constitute financial, legal, tax, or investment advice. You retain full control over your financial decisions.

6. Debt & Financial Advice Disclaimer
Serin™ does not provide debt counseling, refinancing, settlement services, or investment recommendations. Any debt payoff projections or educational content are illustrative only. For personalized financial, tax, or legal advice, consult a licensed professional.

7. Fraud, Security & Unauthorized Transactions
Fraud protections for unauthorized card transactions are provided by FDIC-insured partner banks once available under Regulation E and Visa zero-liability policies. To report unauthorized activity, you must promptly notify Serin™ and/or the issuing bank. Serin™ never stores full bank login credentials or card numbers; connections are secured by third-party providers . You are responsible for safeguarding your devices, login credentials, and PINs.

8. Fees & Payments
Subscription fees (if applicable) will be disclosed during signup and charged on a recurring basis. Billing cycles, cancellation, and refund policies are described in your account settings. Additional fees, including ATM fees or card-related charges, may be assessed by FDIC-insured partner bank once available.

9. Privacy & Data Usage
Your privacy is important to us. Please review our Privacy Policy for details on how we collect, use, and share your data. Serin™ may collect transaction data, spending categories, and device information to provide services, improve features, and deliver insights.

10. Intellectual Property
All content, features, and branding of Serin™ are protected by copyright and trademark laws. You may not copy, modify, distribute, or reverse engineer Serin™ without our written consent.

11. Disclaimers of Warranties
The Services are provided “as is” without warranties of any kind. Serin™ does not guarantee uninterrupted or error-free operation. Budgeting outcomes, debt payoff projections, or savings results are not guaranteed.

12. Limitation of Liability
To the fullest extent permitted by law, Serin™'s liability is limited to the amount you paid for the Services in the last 12 months. Serin™ is not responsible for indirect, incidental, or consequential damages. Custodial funds and card transactions remain the responsibility of FDIC-insured partner bank once available.

13. Termination
Serin™ may suspend or terminate your account for misuse, fraud, or violation of these Terms. You may close your account at any time by contacting customer support.

14. Dispute Resolution & Governing Law
Any disputes arising under these Terms will be resolved by binding arbitration in Delaware, unless otherwise required by law. You waive the right to participate in a class action lawsuit.

15. Changes to Terms
Serin™ may update these Terms from time to time. Updated Terms will be posted in the app and on our website. Continued use of the Services after changes constitutes acceptance of the revised Terms.

16. Contact Information
For support, disputes, or questions about these Terms, please contact us at:
Email: serin@serinapp.com
Mailing Address: Delaware