# Terms of Service > Welcome to Raziel! By using our services, you agree to the following terms and conditions. Please read them carefully before using Raziel. URL: https://raziel.co/legal/terms-of-service Updated: 2026-09-29 Last updated: September 28, 2026 **1. Acceptance of Terms** By accessing and using Raziel's website, mobile applications, and services, you agree to comply with and be bound by these Terms of Service and our Privacy Policy. If you do not agree with any part of these terms, you must stop using the service. **2. Changes to Terms** We reserve the right to modify these terms at any time. When changes are made, we will notify you via email or an in-app notification. It is your responsibility to review these terms periodically. Continued use of Raziel after modifications indicates your acceptance of the updated terms. **3. Account Registration** **3.1 Eligibility** To use Raziel, you must be at least 18 years old or have reached the legal age of majority in your country. **3.2 Account Information** When creating an account, you agree to provide accurate, up-to-date information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. If you suspect any unauthorized use, you must notify us immediately. **4. Subscriptions and Payments** **4.1 Products and Plans** Raziel offers two products, each with its own plans: - Investor: Core and Pro - Founder: Starter and Growth Founder Starter is free. Investor Core, Investor Pro, and Founder Growth are paid subscriptions billed monthly. You may subscribe to one product or both. Each product is a separate subscription with its own billing, renewal, and cancellation. Current prices and plan features are listed on our pricing page at raziel.co/pricing. Prices may differ depending on where you subscribe (see Section 4.2), and we may change our prices from time to time. If a price change affects an active subscription, we will notify you in advance, and the new price will apply from your next billing period. Price changes for App Store subscriptions are also subject to Apple's notice and consent processes. **4.2 How Subscriptions Are Purchased** You can buy a paid subscription in one of two ways: - **On our website.** Web subscriptions are billed by Raziel through our payment processor, Stripe. - **In the Raziel iOS app.** App Store subscriptions are billed by Apple through your Apple ID. App Store subscriptions are also governed by Apple's Media Services Terms and Conditions and any other terms Apple applies to App Store purchases. Apple, not Raziel, manages the billing relationship for App Store subscriptions. Raziel does not have access to your App Store payment information and cannot change, cancel, or refund App Store charges. Pricing and promotional offers may differ between web and App Store subscriptions. The price and terms that apply to your subscription are shown at the point of purchase. **4.3 Billing, Free Trials, and Renewal** Paid subscriptions renew automatically each month until cancelled. *Free trial.* Investor plans include a 14-day free trial. Founder plans do not include a trial. Unless you cancel before the trial ends, your subscription will convert to a paid subscription, and you will be charged the applicable monthly price when the trial ends. Trial eligibility may be limited to one trial per customer. *Web subscriptions.* By subscribing on our website, you authorize Raziel, through Stripe, to charge your payment method on a recurring monthly basis until you cancel. You may update your payment information at any time through your account settings. *App Store subscriptions.* Payment is charged to your Apple ID when you confirm your purchase or when your free trial ends. Your subscription renews automatically unless you turn off auto-renewal at least 24 hours before the end of the current billing period. Your Apple ID account will be charged for renewal within 24 hours before the end of the current period. You can manage your payment method and auto-renewal in your Apple ID settings. **4.4 Cancellations and Refunds** The cancellation and refund rules that apply to you depend on where you purchased your subscription. *4.4.1 Web Subscriptions* You can cancel a web subscription at any time in your account settings, either in the Raziel app or on our website. After you cancel, you keep access to paid features until the end of your current billing period. If you cancel during an Investor free trial, you will not be charged. Payments for web subscriptions are non-refundable, and we do not provide refunds or credits for partially used billing periods, except where required by law. If you believe you were charged in error, contact us at [info@raziel.co](mailto:info@raziel.co). *4.4.2 App Store Subscriptions* You can only cancel an App Store subscription in your Apple ID settings (on iPhone: Settings > your name > Subscriptions). Raziel cannot cancel an App Store subscription for you. Deleting the Raziel app or your Raziel account does not cancel an App Store subscription. After you cancel, you keep access to paid features until the end of your current billing period. Refund requests for App Store purchases must be made to Apple and are handled under Apple's policies. Raziel cannot issue refunds for App Store purchases, and Section 4.4.1 does not apply to them. **5. Use of Service** **5.1 License** We grant you a limited, non-exclusive, non-transferable, revocable license to access and use Raziel for your own business and professional purposes, including managing investment portfolios, company information, and capitalization tables for yourself or for the organization you represent, in accordance with these terms and your subscription plan. If you use Raziel on behalf of an organization, you represent that you have authority to accept these terms on its behalf. You may not resell, sublicense, or otherwise make Raziel available to third parties as a service. **5.2 Prohibited Activities** You agree not to: - Use Raziel for illegal or unauthorized purposes. - Attempt to hack, reverse-engineer, or modify any part of the service. - Impersonate another person or misrepresent your affiliation with Raziel. - Use any automated means (e.g., bots or scrapers) to access Raziel without our prior consent. **5.3 Suspension or Termination** We reserve the right to suspend or terminate your account if we detect any violation of these terms, fraudulent activity, or misuse of our services. You may also terminate your account at any time by contacting our support team. If you have an App Store subscription, you must also cancel it in your Apple ID settings, as described in Section 4.4.2. **6. Data and Privacy** **6.1 Data Collection** By using Raziel, you consent to the collection and use of your personal information as outlined in our Privacy Policy. We do not connect to your bank accounts. **6.2 Security** We prioritize data security and use encryption and other protective measures to safeguard your information. However, no method of data transmission over the internet is 100% secure, and we cannot guarantee absolute security. **7. Intellectual Property** All content, design elements, trademarks, and other materials available on Raziel are the property of Raziel or its licensors. You may not reproduce, modify, or distribute any content without our express written consent. **8. Third-Party Links and Services** Raziel may contain links to third-party websites or services. We do not endorse or assume any responsibility for the content or practices of third-party sites. You access them at your own risk and should review their respective terms and privacy policies. **9. Disclaimers** **9.1 No Financial Advice** Raziel provides tools and insights to help you manage your finances, but we do not offer financial, tax, or legal advice. You should consult a professional before making any significant financial decisions. **9.2 Service Availability** While we strive to ensure uninterrupted access to Raziel, we do not guarantee that the service will always be available, error-free, or secure. Service interruptions may occur due to maintenance, system upgrades, or unforeseen technical issues. **9.3 Disclaimer of Warranties** Raziel is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We disclaim all warranties, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. **10. Limitation of Liability** To the fullest extent permitted by law, Raziel and its affiliates will not be liable for any indirect, incidental, special, or consequential damages arising from your use of the service, including but not limited to loss of profits, data, or other intangible losses, even if we have been advised of the possibility of such damages. In no event will Raziel's total liability for any claims exceed the amount you paid for the service, whether to Raziel directly or through the App Store, in the 12 months before the claim arose. **11. Governing Law** These terms are governed by and construed in accordance with the laws of California, without regard to its conflict of laws principles. Any legal disputes related to these terms will be resolved exclusively in the courts of United States. **12. Contact Us** If you have any questions or concerns about these Terms of Service or our data practices, please contact us at: Email: [info@raziel.co](mailto:info@raziel.co) Address: 8549 Wilshire Blvd #2546 Beverly Hills, CA 90211-3104 United States **13. Entire Agreement** These Terms of Service, along with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Raziel Inc regarding your use of the service. Any prior agreements, communications, or understandings are superseded by these terms. By using Raziel, you acknowledge that you have read, understood, and agree to these terms.