Clear terms, no surprises.

Mosaic Finance (“the Service”) is an AI-powered financial tracking, budgeting, and net worth dashboard with educational tools, operated by ChainForge Labs (“we,” “us,” “our”), based in Saskatoon, Saskatchewan, Canada.

The Service uses artificial intelligence to generate educational Progress Reports based on information you provide. Reports describe your current trajectory and options to learn about. They are delivered instantly.

You must be at least 18 years of age and a resident of Canada to use Mosaic Finance. By creating an account, you confirm that you meet these requirements.

• You are responsible for maintaining the security of your account credentials
• You interact with Mosaic Finance using a self-chosen alias — we do not require your legal name
• You agree to provide accurate financial information to the extent you choose to share it; the quality of your Progress Report depends on the accuracy of your inputs
• You may delete your account and all associated data at any time from your settings page

We take your privacy seriously. We never collect your legal name, Social Insurance Number, bank credentials, or government ID. Your data is stored in Canada, encrypted, and never sold to third parties.

For full details, see our Privacy Policy.

• Progress Reports are generated by artificial intelligence (Anthropic’s Claude) based on the information you provide
• AI-generated content may contain errors, inaccuracies, or options that are not appropriate for your specific situation
• Mosaic Finance does not provide financial advice. Charlie is an education guide, not a licensed advisor
• You are solely responsible for any financial decisions you make based on the content of your Progress Report. Speak with a licensed financial advisor before implementing any changes

• Mosaic Finance offers free and paid subscription tiers, priced in Canadian dollars (CAD)
• Paid subscriptions are billed monthly through Stripe and auto-renew unless cancelled
• You may cancel your subscription at any time; access continues until the end of your current billing period
• We reserve the right to change pricing with 30 days’ notice to existing subscribers
• We do not collect or store your payment card information — all payment processing is handled by Stripe

You agree not to:

• Use the Service for any unlawful purpose or in violation of Canadian law
• Attempt to access another user’s account or data
• Reverse-engineer, scrape, or extract data from the Service beyond your own account data
• Misrepresent Mosaic Finance output as financial advice when sharing with others
• Use the Service to generate Progress Reports for commercial resale without our written consent

The Progress Reports generated for you are yours to keep, download, and reference. The Mosaic Finance platform, brand, design, and underlying technology remain the property of ChainForge Labs.

To the maximum extent permitted by applicable law, ChainForge Labs and its officers and employees shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, arising from:

• Your use of or reliance on AI-generated Progress Reports
• Any financial decisions you make based on content from the Service
• Errors, inaccuracies, or omissions in generated Progress Reports
• Service interruptions or data loss

Our total liability for any claim arising from the Service is limited to the amount you have paid us in the 12 months preceding the claim.

You may terminate your account at any time by deleting it from your settings page. We may suspend or terminate your access if you violate these terms, with notice where reasonably practicable.

These terms are governed by the laws of the Province of Saskatchewan and the federal laws of Canada applicable therein. Any disputes arising from these terms or the Service will be resolved in the courts of Saskatchewan.

We may update these terms from time to time. Material changes will be communicated via email to registered users at least 30 days before taking effect. Continued use of the Service after changes take effect constitutes acceptance.

Questions about these terms? Reach us at hello@mosaicfinance.ai.

ChainForge Labs · Saskatoon, Saskatchewan, Canada