LEGAL
Financial Disclosures & Disclaimer
Effective and last updated October 27, 2026
Revlo helps you organize financial information. It is a tracking and reporting tool, not a bank, brokerage, money-transfer service, or source of personalized professional advice. Read these limits alongside the Terms of Service and Privacy Policy.
1. Purpose and advice
Revlo does not provide personalized investment, financial-planning, tax, accounting or legal advice, or act as your fiduciary. No adviser-client relationship is created by using the website. Consider an appropriately qualified professional before making decisions involving investments, debt, tax or legal obligations. A tool’s label, category or summary is not a recommendation to buy, sell or hold an asset.
Revlo does not take custody of your money, execute trades, pay tracked bills or transfer funds between your accounts. Balances displayed in Revlo are records, not deposits with Revlo. Revlo provides no FDIC or SIPC protection. Any protection at an underlying institution depends on that institution, the product and applicable limits; displaying an asset here does not add or remove that protection.
2. Calculations and reports
- USD presentation: the current workspace presents values in US dollars. It is not a foreign-exchange conversion tool; the transaction importer includes supported posted USD transactions.
- Reporting periods: Weekly covers the selected date and the preceding six days. Monthly runs from the first of that month through the selected date; Yearly runs from January 1 through that date. These are not necessarily completed calendar-period statements.
- Cash flow: income and spending follow the sign and category of recorded transactions. Transfers are excluded when categorized as Transfer. Refunds, credit-card payments, missing transactions or incorrect categories can distort results. Review the underlying entries.
- Categories and budgets: automatic categories use rules based on descriptions and amounts and can be wrong. You can adjust permitted transaction categories. Budgets compare entered limits with recorded spending; they do not prevent spending or move money.
- Records and exports: charts, savings rates and CSV reports reflect only available selected records. They are not audited statements, tax forms, credit reports or a guarantee of cash available to spend.
3. Investments and net worth
Investment holdings use quantities, cost information and prices you enter. They are not live quotes, executable prices, personalized recommendations or a complete performance calculation. Displayed unrealized gains can omit fees, dividends, interest, taxes, realized transactions and currency effects. Stocks, funds, bonds, crypto and other assets carry different risks, including loss of value; a displayed gain is not a forecast.
Net worth totals recorded account balances, asset values and holdings, less recorded debts. Goal progress is not added again. Manual account balances are snapshots and do not automatically update when you enter transactions. Connected investment accounts may supply an overall balance without individual positions. Do not count the same portfolio both as an account balance and as separate holdings unless you have adjusted for the duplication. Property and other asset values are your estimates, not appraisals.
4. Bank connections
Stripe Financial Connections is optional and limited to eligible institutions and permissions. Support for a bank does not guarantee every account, asset class, transaction or historical period is available. Revlo requests balance and transaction data; connection alone does not authorize a transfer or investment order.
Provider data can arrive late, require reauthentication or be unavailable. Sync retrieves currently available information; it does not guarantee real-time updates. Investment-account positions and activity may not be imported. Verify payment status, balances and charges with the originating institution.
Revlo checks connected balances with your bank about once a month. In between, it estimates each balance from the bank’s last figure and the transactions that have posted since, and marks it Estimated. Pending charges, fees, interest or anything your bank hasn’t reported yet can make an estimate differ from your bank’s balance. Investment accounts show the bank’s last figure.
Disconnecting stops further access through a successfully disconnected connection, but does not erase previously imported transactions, close the underlying bank account, or cancel Revlo Plus. Retained data and deletion options are described in the Privacy Policy.
5. Subscriptions, bills and goals
Revlo looks for subscriptions and bills in the transactions it can see by matching known services, spotting charges that repeat and, for unfamiliar merchants, asking Revlo AI (see the Privacy Policy). It can miss one — for example, a subscription billed to a card you haven’t connected or under an unusual name — or flag a charge that isn’t a subscription. You decide what Revlo tracks.
Next-charge dates, monthly and yearly totals, price increases, duplicate-service suggestions, trial end dates and savings figures are estimates based on the charges Revlo can see and the details you enter. Actual billing can differ. Alerts appear in the app; Revlo doesn’t guarantee a reminder before a charge. Revlo does not cancel, pause, switch or negotiate anything with a merchant. Marking something as canceled in Revlo only changes what Revlo shows and watches for — cancel with the merchant yourself.
Goals track the amounts and targets you enter. They do not open savings accounts, reserve funds, automate contributions, or guarantee a target will be reached. Keep the underlying account and goal values consistent.
6. Revlo subscription charges
Revlo Plus billing is separate from the subscriptions Revlo tracks for you. Stripe processes the monthly or annual Revlo purchase you authorize. Review the amount and renewal interval in Checkout and manage cancellation through the billing portal. Removing a financial connection or a tracked subscription does not cancel Plus. Your first payment has a 7-day money-back guarantee; see the guarantee terms and billing terms.
7. Cost estimates and savings examples
The true cost calculator estimates what a car or home could cost beyond its sticker price. It starts from the typical US assumptions below, and you can change every one of them. It runs in your browser, is not a loan offer or quote, and does not use your credit, location, or actual rates, premiums or tax bills. Your real costs will differ.
| Cost | Car (over the years you keep it; 5 to start) | Home (over the years you live there; 30 to start) |
|---|---|---|
| Interest | 7.1% APR on the amount financed over 60 months, counted only while you own the car; none when paying cash | 6.4% fixed rate over 30 years on the amount financed, counted only while you live there; none when paying cash |
| Taxes and fees | 7% sales tax, $250 registration a year, plus any dealer fees you enter | Closing costs of 3% of the price; with less than 20% down, mortgage insurance of 0.6% of the loan a year until you own 20% |
| Insurance | $1,400 a year plus 2% of the price | 0.45% of the price a year |
| Running costs | 12,000 miles a year at 30 mpg and $3.40 a gallon; electric: 3.5 miles per kWh at $0.17 | Property tax of 1.1% of the price a year, plus any HOA dues and utilities you enter |
| Upkeep | Maintenance of $600 a year plus 1% of the price | 1% of the price a year |
The homepage preview uses the same starting figures with a simpler model: car costs over 5 years, home costs over the loan term, and mortgage insurance for up to 7 years with less than 20% down. Totals include the sticker price. They are not adjusted for inflation, depreciation, resale value, tax deductions or rate changes. Use them to compare options, then get real quotes from lenders, insurers and your local tax office before you commit.
Savings figures on the homepage, such as canceling barely used subscriptions or a free trial before it bills, are sample numbers for illustration, not an estimate of what you will save. In the app, savings figures are the yearly cost of the subscriptions involved, not offers from any provider.
8. Examples and automated suggestions
The homepage uses made-up people, balances and subscriptions. They are illustrative, not customer results or promised outcomes. In the app, categories, budgets and summaries come from rules and arithmetic. Revlo AI only suggests what an unfamiliar merchant is (a subscription, a bill or neither, and its name, category and billing cycle); it doesn’t give financial advice and can be wrong.
External links and provider services are subject to their own availability and terms. A link or supported connection is not an endorsement of an investment or a guarantee of a provider’s accuracy or security.
9. Your rights
Use these tools with appropriate care and verify important information independently. The limits in these disclosures apply only to the extent allowed by law. They do not waive statutory rights, excuse misleading statements, eliminate Revlo’s legal responsibilities, or override the consumer-rights exceptions in the Terms of Service.
Contact
For questions, privacy requests, billing help, or concerns about these documents, email support@revlo.money. Do not send passwords, full card numbers, or bank login credentials.
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