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Terms of Service

Last updated: August 6, 2026 · Terms version 2026-08-06

Introduction

These terms are the agreement between you and Corra Finance Inc. (“Corra,” “we,” “us”) for your use of the Corra iOS app, our website meetcorra.com, and the services we provide through them (together, the “Service”). They should be read alongside the Corra Privacy Policy, which explains what we do with your personal information and forms part of this agreement.

By creating an account you accept these terms. If you do not accept them, do not create an account. Where we have asked you to accept a specific version of these terms, we record which version you accepted.

1. Who can use Corra

You must be 18 or older and a resident of the United States to create an account. You confirm both when you tell us where you live during setup. Corra is not currently available anywhere else; if you move outside the United States, we may not be able to keep serving you.

You may hold one account. It is personal to you, you may not let anyone else use it, and you are responsible for everything that happens under it.

2. What Corra does — and what it is not

Corra reads your financial accounts, organizes what it finds, and helps you plan: it categorizes your spending, detects your income and recurring payments, tracks your debts, builds a payoff plan, and answers questions about your money through the Corra Assistant.

CORRA IS NOT A FINANCIAL ADVISER, TAX ADVISER, LAWYER, ACCOUNTANT, BANK, LENDER, OR BROKER, AND NOTHING IN THE SERVICE IS FINANCIAL, TAX, LEGAL, OR INVESTMENT ADVICE. What Corra shows you is information and analysis generated from your own data to help you make your own decisions. It is general in nature, it does not account for everything about your circumstances, and it is not a recommendation to take or avoid any particular action. Decisions about your money are yours. For advice about your specific situation, speak to a licensed professional.

Corra does not move money. We do not hold funds, make payments, transfer balances, or execute transactions on your behalf. Paying a debt, moving savings, or acting on anything Corra suggests is something you do yourself, with your own bank.

Corra’s figures depend on data from your financial institutions, delivered through Plaid. That data can be delayed, incomplete, or wrong, and balances shown in Corra may not match your bank at any given moment. Always confirm with your bank before acting on a figure that matters.

3. Your account and its security

Keep your sign-in details and your device secure, and turn on the security features we offer. Tell us promptly at support@meetcorra.com if you think someone else has access to your account.

We will never ask for your password or your bank credentials in an unsolicited message. Treat any such request as fraudulent and report it to us.

4. Connecting your bank

Bank connections are provided by Plaid. When you connect an account you authorize Plaid to access it on your behalf and to share the resulting data with Corra, and you authorize us to receive and use that data to provide the Service. Your bank sign-in happens with Plaid or your bank — Corra never receives or stores your bank username or password, and our access is read-only.

Plaid’s own terms and privacy policy govern its handling of your data. You can disconnect a bank in Corra at any time, and you can manage or delete the data Plaid holds through Plaid Portal at my.plaid.com.

You confirm that you own or are authorized to access every account you connect, and that connecting it does not breach your agreement with that institution.

5. The Corra Assistant

The Corra Assistant is powered by a third-party AI provider. Content is redacted before it is sent, the provider does not use it to train its models, and the Privacy Policy explains this in full.

CORRA DOES NOT GUARANTEE THE ACCURACY, COMPLETENESS, OR TIMELINESS OF ANY OUTPUT OF THE CORRA ASSISTANT. THE ASSISTANT MAY MISREAD YOUR DATA, MISCALCULATE, OR STATE SOMETHING INCORRECT. CORRA IS NOT LIABLE FOR ANY ACTION YOU TAKE IN RELIANCE ON IT. THE DISCLAIMERS IN SECTION 2 APPLY TO EVERYTHING THE ASSISTANT SAYS.

You can turn the Assistant off at any time in Settings. Transaction categorization is part of how the product works and runs regardless — the Privacy Policy explains the distinction.

Do not use the Assistant to seek advice you would need a licensed professional for, and do not rely on it for anything where being wrong would cost you.

6. Subscriptions, trials, and billing

Corra is a paid subscription with everything included — there is no free tier and no feature is held back.

Trial. New accounts start with a 7-day free trial. Unless you cancel before it ends, the trial converts automatically to a paid subscription and your payment method is charged.

Price and renewal. The subscription is $8 per month or $80 per year in US dollars, at the price shown to you in the app at the time of purchase. It renews automatically at the end of each period, at the then-current price, until you cancel. Apple charges you within 24 hours before each period begins.

Billing is handled by Apple. Subscriptions purchased in the app are billed through your Apple Account under Apple’s terms, and Corra never sees your card details.

Cancelling. Cancel any time in your Apple Account subscription settings — cancel at least 24 hours before the current period ends, or that period renews. Cancelling stops the next charge; you keep access until the end of the period you have paid for. Deleting the Corra app does not cancel your subscription.

Refunds. Refunds for App Store purchases are handled by Apple under its policies, not by us. If you think something has gone wrong with a charge, contact us and we will help where we can.

Price changes. We may change the price. We will tell you before an increase takes effect, and it applies from your next renewal — you can cancel before then if you do not want to continue.

7. Using Corra properly

Use Corra for your own personal, non-commercial money management, and follow the law. Do not:

  • connect an account you are not authorized to access, or give us anyone else’s information without their permission;
  • share, sell, or transfer your account, or let anyone else use it;
  • copy, scrape, resell, or redistribute the Service or its content, or use it to build a competing product;
  • reverse-engineer, decompile, or attempt to derive our source code, except where the law says you may;
  • interfere with the Service, get around its security or rate limits, probe it for vulnerabilities without our written permission, or use bots or automated tools against it;
  • upload malicious code, or use the Service to break the law, infringe someone’s rights, or harass anyone;
  • misrepresent who you are.

8. Content and intellectual property

Ours. The Service — the software, design, text, and the Corra name and logo — belongs to us and our licensors. We grant you a personal, non-exclusive, non-transferable, revocable licence to use the app on Apple devices you own or control, for as long as this agreement lasts and only as it permits. We reserve every right we do not expressly grant.

Yours. Your financial data and what you write in the app stay yours. You grant us the licence we need to host, process, and display that content in order to provide the Service, and to do the things the Privacy Policy describes. That licence ends when the content is deleted, except for de-identified data that can no longer be linked to you and for anything we must retain by law.

Feedback. If you send us a suggestion, we may use it freely and without obligation to you. Do not send us anything you consider confidential.

9. Availability and changes

We aim to keep Corra running well, but the Service is provided on an “as available” basis. It may be interrupted for maintenance, for problems at a provider we depend on, or for reasons outside our control, and features may change, be added, or be withdrawn as the product develops. If we make a change that materially reduces what you are paying for, we will tell you, and you may cancel.

10. Ending this agreement

You can stop using Corra at any time. Cancel your subscription in your Apple Account settings, and delete your account in the app if you also want your data erased — the Privacy Policy explains what deletion does.

We may suspend or close your account if you materially breach these terms, if we are required to by law, if keeping it open would expose us or others to fraud, legal, or security risk, or if we stop offering the Service. Except where the breach or the law makes it impossible, we will tell you first and give you a chance to put things right.

When this agreement ends, your right to use the Service ends. Sections 2, 8, 11, 12, 13, 14, and 15 survive.

11. Disclaimers

TO THE FULLEST EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, AND CORRA DISCLAIMS ALL WARRANTIES NOT EXPRESSLY STATED IN THIS AGREEMENT, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

CORRA DOES NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; THAT ITS DATA, CALCULATIONS, PROJECTIONS, OR AI OUTPUT WILL BE ACCURATE, COMPLETE, OR CURRENT; THAT DEFECTS WILL BE CORRECTED; OR THAT USING CORRA WILL IMPROVE YOUR FINANCES, REDUCE YOUR DEBT, OR PRODUCE ANY PARTICULAR FINANCIAL OUTCOME.

SOME STATES DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES. WHERE THAT IS THE CASE, THE EXCLUSIONS ABOVE DO NOT APPLY TO YOU AND YOU RETAIN WHATEVER RIGHTS THAT LAW GIVES YOU.

12. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW:

  • CORRA WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST SAVINGS, LOST DATA, LOSS OF GOODWILL, OR BUSINESS INTERRUPTION, EVEN IF CORRA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
  • CORRA WILL NOT BE LIABLE FOR ANY FINANCIAL DECISION YOU MAKE USING THE SERVICE, FOR THE ACCURACY OF DATA PROVIDED BY YOUR FINANCIAL INSTITUTIONS OR BY PLAID, FOR ANY OUTPUT OF THE CORRA ASSISTANT, OR FOR THE ACTS OR OMISSIONS OF THE THIRD-PARTY PROVIDERS THE SERVICE DEPENDS ON.
  • CORRA’S TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE IS LIMITED TO THE GREATER OF THE AMOUNT YOU PAID CORRA IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR ONE HUNDRED US DOLLARS ($100).

NOTHING IN THIS AGREEMENT LIMITS LIABILITY THAT CANNOT BE LIMITED BY LAW, INCLUDING LIABILITY FOR FRAUD, FOR FRAUDULENT MISREPRESENTATION, OR FOR DEATH OR PERSONAL INJURY CAUSED BY NEGLIGENCE. SOME STATES DO NOT ALLOW THESE LIMITS; WHERE THAT IS THE CASE, THEY DO NOT APPLY TO YOU.

13. Indemnification

To the fullest extent permitted by law, you agree to indemnify, defend, and hold harmless Corra Finance Inc. and its officers, directors, employees, and agents from and against any claims, losses, liabilities, damages, costs, and expenses — including reasonable legal fees — arising out of or relating to: your use of the Service; your breach of this agreement or of any representation you make in it; your violation of any law or of any third party’s rights; any account you connect that you were not authorized to connect; and any content you submit.

We will notify you of any such claim and may, at our own expense, assume its exclusive defense and control; you agree to cooperate with us in that defense. You may not settle any claim in a way that imposes an obligation on Corra without our prior written consent. This section does not apply to the extent a claim arises from our own breach of this agreement or our negligence, and nothing in it takes away a right you have under the consumer-protection law of the state where you live.

14. Resolving disputes

PLEASE READ THIS SECTION CAREFULLY. IT LIMITS YOUR RIGHTS IN THE EVENT OF A DISPUTE. IT REQUIRES DISPUTES BETWEEN YOU AND CORRA TO BE RESOLVED BY BINDING ARBITRATION ON AN INDIVIDUAL BASIS, WHICH MEANS YOU WAIVE YOUR RIGHT TO HAVE THOSE DISPUTES HEARD IN COURT BY A JUDGE OR JURY, AND YOUR RIGHT TO BRING OR PARTICIPATE IN A CLASS OR REPRESENTATIVE ACTION. YOU MAY REJECT THIS SECTION BY OPTING OUT WITHIN 30 DAYS, AS SET OUT BELOW.

Please contact us first. Most problems are quickest to fix informally. Email support@meetcorra.com with a description of the issue and what you would like us to do. If we cannot resolve it within 60 days, either of us may start an arbitration.

Arbitration. Except as set out below, you and Corra agree that any dispute arising out of or relating to these terms or the Service will be resolved by binding individual arbitration, and not in court before a judge or jury. Arbitration is administered by the American Arbitration Association under its Consumer Arbitration Rules, in the United States, before a single arbitrator. The hearing takes place in the county where you live, or by phone or video if you prefer. AAA’s Consumer Arbitration Rules govern the fees, and we pay the share those rules allocate to us. The arbitrator can award the same individual relief a court could, and the award may be entered as a judgment in any court with jurisdiction. This arbitration agreement is governed by the Federal Arbitration Act.

Class-action waiver. ARBITRATION IS ON AN INDIVIDUAL BASIS ONLY. NEITHER YOU NOR CORRA MAY BRING A CLAIM AS A PLAINTIFF OR CLASS MEMBER IN A CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING, AND THE ARBITRATOR MAY NOT CONSOLIDATE CLAIMS OR PRESIDE OVER ANY FORM OF REPRESENTATIVE ACTION. If this waiver is found unenforceable as to a particular claim, that claim — and only that claim — is severed and proceeds in court; the rest stays in arbitration.

What is not covered. Either of us may bring a claim in small-claims court if it qualifies, and either of us may seek an injunction in court to protect intellectual property or to stop unauthorized access to the Service. Nothing here stops you from reporting a concern to a government agency.

Opting out. You can opt out of arbitration and the class-action waiver by emailing support@meetcorra.com with the subject line “Arbitration Opt-Out” and your name and account email, within 30 days of first accepting these terms. Opting out costs you nothing and changes nothing else about your account or this agreement. If you opt out, disputes go to the courts described in Section 15.

15. Governing law

These terms are governed by the laws of the Province of Ontario and the federal laws of Canada that apply there, without regard to conflict-of-laws rules — except that Section 14’s arbitration agreement is governed by the Federal Arbitration Act. If you have opted out of arbitration, or for any claim arbitration does not cover, the courts of Ontario have jurisdiction, and you may also bring a claim in the courts where you live.

This section does not take away rights you have under the consumer-protection law of the state where you live. Where that law gives you a right that cannot be waived by agreement, you keep it, and it prevails over anything in these terms that conflicts with it.

16. Apple

You buy Corra through the App Store, which makes some terms necessary:

  • This agreement is between you and Corra only, not with Apple. Corra, not Apple, is responsible for the app and its content.
  • Your licence to use the app is limited to Apple-branded devices you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions.
  • Apple has no obligation to provide maintenance or support for the app. If you need help, contact us.
  • If the app fails to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price. To the extent the law allows, Apple has no other warranty obligation for the app.
  • Corra, not Apple, is responsible for any claim relating to the app — including product liability, any failure to meet a legal or regulatory requirement, and claims under consumer-protection or privacy law — and for any third-party claim that the app infringes intellectual property rights.
  • You confirm that you are not located in a country subject to a US Government embargo or designated as terrorist-supporting, and that you are not on any US Government list of prohibited or restricted parties.
  • Apple and its subsidiaries are third-party beneficiaries of this agreement and may enforce it against you.

17. Changes to these terms

We may update these terms. When we do, we change the date and version at the top. For material changes we will tell you before they take effect — by email or in the app — and, where the law requires it, we will ask you to accept the new version. Continuing to use Corra after a change takes effect means you accept it. If you do not accept a change, stop using the Service and cancel your subscription.

Changes to Section 14 do not apply to a dispute we already know about, and if we materially change Section 14 you will get a fresh 30-day window to opt out.

18. General

These terms and the Privacy Policy are the entire agreement between you and Corra about the Service, and replace anything said before. If a provision is held unenforceable, the rest stays in force. If we do not enforce a right straight away, we have not given it up. You may not transfer your rights under this agreement; we may transfer ours to an affiliate or in connection with a merger, financing, or sale of the business, and this agreement continues to apply. Nothing here creates a partnership, agency, or employment relationship, and no one other than you, Corra, and Apple (Section 16) has rights under it. Neither of us is liable for failure to perform caused by events beyond our reasonable control.

19. Contact us

Corra Finance Inc.
Support: support@meetcorra.com
Privacy: privacy@meetcorra.com

If you have a disability and need these terms in an accessible format, contact us and we will provide it.