Last updated: September 30, 2025
Welcome to Scotty.
These Terms of Service describe the terms and conditions that govern your access to and use of our websites and any online services that link to these Terms. Together these are the Service. By using the Service you agree to these Terms and acknowledge our Privacy Notice which is incorporated by reference. If you do not agree you may not use the Service.
Scotty, Inc. is the provider of the Service. Contact: support@joinscotty.co.
You must be able to form a binding contract. The Service is intended for individuals who are 16 years of age or older. If you are under the age of 18 you must have permission from a parent or legal guardian.
You are responsible for the activity on your account. Keep your password and authentication codes secure and do not share them. Notify us promptly of any suspected unauthorized use.
If you choose to connect third party services such as Google Gmail Calendar or Contacts or connect financial accounts through Plaid you authorize us to access and use data from those services as described in our Privacy Notice. You can revoke access at any time through the third party provider settings.
Subject to these Terms we grant you a limited non exclusive non transferable and revocable license to access and use the Service for your personal use.
You agree not to
a. copy modify host sublicense or resell the Service or create derivative works of it
b. reverse engineer decompile or attempt to gain unauthorized access to the Service
c. use the Service to violate law infringe rights or send spam
d. use the Service to develop competing products or to benchmark the Service
e. interfere with or disrupt the Service or bypass access controls
f. upload viruses or malicious code
We may change, suspend or discontinue part or all of the Service. We may impose limits on features or restrict access without liability.
As between you and Scotty you retain ownership of the data and content you submit to or through the Service which includes connected email content attachments transaction data and other materials. We call this User Content.
You grant Scotty a limited non exclusive license to host, use, proces,s reproduce and display User Content only to provide, operate, maintain, secure and improve the Service and to communicate with you. We do not use your personal inbox content or financial transaction details to train third party foundation models. We may use de-identified or aggregated information to improve features and classifiers.
If you connect Google user data our use of that data complies with the Google API Services User Data Policy including the Limited Use requirements. We use Gmail Calendar and Contacts data you authorize only to provide user facing features. We do not transfer this data except as necessary to provide or improve those features. We do not use it for advertising. Human access is limited to cases required for security compliance or to resolve a user initiated issue.
When you connect a bank or card account Scotty uses Plaid to retrieve account and transaction information. Scotty does not receive or store your bank credentials. Plaid provides tokens and data that you authorize to share. Your use of Plaid is subject to Plaid policies.
If you submit feedback or suggestions you grant Scotty the right to use them without restriction or compensation.
The Service uses automated processing to classify transactions, detect potential savings and draft suggested actions or messages. Output may not be accurate or unique and may include errors. You are responsible for evaluating Output for your use case and for any actions you take based on it. You agree not to represent that Output was created by a human and not to use Output to train your own models.
Some features may require payment of fees. If you enroll in a subscription you authorize Scotty and our payment processor to charge your payment method for fees and applicable taxes on a recurring basis until you cancel. Fees are stated before taxes and are non refundable unless required by law.
Subscriptions renew automatically for the same term unless you cancel at least thirty days before the next renewal date through your account settings or by contacting support. You will continue to have access through the end of the paid term.
We may offer free trials. Unless you cancel by the end of the trial we will charge your payment method on the day after the trial ends and on each renewal date.
You may receive non public information about Scotty or other users. You agree to protect it and to use it only as needed to use the Service.
We use administrative technical and physical safeguards designed to protect personal data. No system is perfectly secure. You are responsible for securing your account and devices.
The Service may link to or integrate with third party services. Their terms and privacy notices govern those services. Scotty is not responsible for third party services and your use is at your own risk.
The Service is provided as is and as available. To the fullest extent permitted by law Scotty disclaims all warranties whether express or implied including warranties of merchantability fitness for a particular purpose and non infringement. We do not guarantee that the Service will be uninterrupted, secure or error free or that defects will be corrected.
To the fullest extent permitted by law Scotty and its affiliates and personnel will not be liable for indirect incidental special consequential or exemplary damages or for lost profits revenues or data arising from or related to your use of the Service. Scotty total liability for any claim will not exceed the greater of one hundred United States dollars or the amount you paid to Scotty for the Service in the twelve months before the claim arose. These limits apply even if we have been advised of the possibility of such damages.
You will defend, indemnify and hold harmless Scotty and its affiliates and personnel from and against any claims, losses and expenses including legal fees arising from your use of the Service, your User Content, your violation of these Terms or your violation of law or the rights of a third party.
By providing a phone number you consent to receive transactional texts or calls for account security and service purposes. Message and data rates may apply. You can opt out of promotional texts at any time by following the instructions in the message.
These Terms are governed by the laws of the State of California without regard to conflict of laws rules. For any action not subject to arbitration the parties consent to the exclusive jurisdiction and venue of the state and federal courts in San Francisco County California.
Most disputes can be resolved informally. If we cannot resolve a dispute within sixty days you and Scotty agree to resolve any claim related to these Terms or the Service through final and binding arbitration administered by JAMS before a single arbitrator under the JAMS rules. The arbitration will take place in the county where you live if in the United States or in San Francisco County California otherwise unless we agree to another location. The Federal Arbitration Act governs the interpretation and enforcement of this arbitration provision.
You and Scotty agree that each may bring claims only in your or its individual capacity and not as a plaintiff or class member in any class or representative action. You and Scotty waive any right to a jury trial.
You may opt out of arbitration within thirty days of first accepting these Terms by emailing legal notice to privacy@joinscotty.co with your full name and a clear statement that you opt out of arbitration.
You must comply with all applicable export and sanctions laws. The Service is commercial computer software and any U.S. Government use is subject to the restrictions in applicable regulations.
We may update these Terms from time to time. If changes are material we will notify you for example by email or by posting in the Service. The updated Terms apply when posted. If you do not agree you must stop using the Service.
We may suspend or terminate your access to the Service if you violate these Terms or for any reason as permitted by law. You may stop using the Service at any time. Sections that by their nature should survive will continue to apply.
These Terms together with the Privacy Notice are the entire agreement between you and Scotty regarding the Service. If a provision is found unenforceable the remaining provisions will remain in full force. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent. We may assign these Terms.
Questions or concerns about these Terms can be sent to support@joinscotty.co.