Silvia

Silvia Terms of Service

Last Updated: October 2026

1. Acceptance and Scope

1.1 These Terms

Welcome to Silvia, Inc. (formerly known as ProCap Financial, Inc.) and its subsidiaries (collectively, “Silvia,” “we,” “us,” or “our”). These Terms of Service (“Terms”) govern your access to and use of the websites located at www.silvia.com, www.cfosilvia.com, and www.procapinsights.com (together with any successor or related domains, the “Site”), the Silvia Platform, Silvia Insights, and all other products, features, applications, content, and services that Silvia makes available (collectively, the “Services”), and any related communications or interactions with us.

1.2 Contracting Entity

Your agreement under these Terms is with Silvia, Inc.

1.3 Acceptance

By accessing or using any part of the Services, creating an account, subscribing, clicking “I Accept,” or otherwise indicating your agreement, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, you may not access or use the Services.

1.4 Consolidation of Prior Terms

These Terms consolidate and replace the ProCap Financial, Inc. Terms and Conditions of Use, the Supplemental Terms of Service for the Silvia personal finance platform, and the ProCap Insights Supplemental Terms of Service (collectively, the “Prior Terms”). These Terms apply to your use of the Services on and after the Update Date. If you opted out of arbitration under the Prior Terms, your opt-out remains in effect under these Terms.

1.5 Structure and Order of Precedence

Section 6 contains terms that apply only to the Silvia Platform, and Section 7 contains terms that apply only to Silvia Insights (each, “Product Terms”). Product Terms apply in addition to the rest of these Terms. If a Product Term conflicts with any other provision of these Terms, the Product Term governs with respect to that product. If you have entered into a separate written agreement with Silvia or any of its subsidiaries covering a particular product or service (for example, an enterprise content license or an investment advisory agreement), that agreement governs to the extent it conflicts with these Terms.

2. Definitions

The following defined terms are used throughout these Terms and the documents incorporated by reference.

  • “Acceptable Use Policy” means the Silvia Acceptable Use Policy available at www.silvia.com/acceptable-use, as updated from time to time.
  • “AI Transparency Statement” means the Silvia AI and Algorithmic Transparency Statement available at www.silvia.com/ai-transparency, as updated from time to time.
  • “Anonymized Data” means data that has been irreversibly de-identified so that it cannot reasonably be used to identify a specific individual, as further described in Section 14 and the Privacy Policy.
  • “Content” means all text, graphics, images, audio, video, data, software, code, and other materials available on or through the Services, including Insights Content, but excluding User Content.
  • “Google User Data” has the meaning given in the Privacy Policy.
  • “Inputs” means all content, data, text, voice, files, images, documents, and other materials that you submit to or through the Services, including financial data transmitted through linked accounts.
  • “Insights Content” has the meaning given in Section 7.1.
  • “Integration Partner” means a third-party provider through which you link external accounts or data to the Services, as described in Section 6.4.
  • “Messaging Channel” has the meaning given in Section 6.6.
  • “Outputs” means all content, analyses, summaries, recommendations, projections, categorizations, scores, alerts, and other materials generated by the Services in response to your Inputs.
  • “Privacy Policy” means the Silvia, Inc. Privacy Policy available at www.silvia.com/privacy and www.cfosilvia.com/privacy, as updated from time to time.
  • “Services” has the meaning given in Section 1.1.
  • “Silvia Insights” means the subscription content service formerly known as ProCap Insights and available through www.procapinsights.com.
  • “Silvia Platform” means the AI-powered personal finance platform available at www.cfosilvia.com and through related web and mobile applications, APIs, voice calls, iMessage, RCS, SMS, email, and other channels.
  • “User Content” means any content, data, or materials that you submit, upload, transmit, or otherwise make available through the Services, including Inputs, Feedback, and community contributions.

3. Eligibility

The Services are designed for and primarily offered to users in the United States. The Services are available to individuals who are 18 years of age or older (or the age of majority in your jurisdiction, if higher). By using the Services, you represent and warrant that:

  • You are at least 18 years of age and have the legal capacity to form a binding contract.
  • You are not prohibited from using the Services under any applicable law, including United States export control and sanctions regulations.
  • You are not located in, under the control of, or a national or resident of any country subject to comprehensive U.S. sanctions, and you are not on any U.S. government restricted party list.

If you do not meet all of these requirements, you must not access or use the Services.

4. Account Registration and Security

Certain features of the Services require you to create an account. When creating an account, you agree to:

  • Provide accurate, current, and complete information during registration and keep it updated.
  • Maintain the confidentiality of your account credentials, including your password and any multi-factor authentication methods.
  • Accept responsibility for all activity that occurs under your account, whether or not authorized by you.
  • Notify us immediately at security@cfosilvia.com if you become aware of any unauthorized access to or use of your account.

You may not share, transfer, or sell access to your account. You may not create multiple accounts to circumvent usage limits, bans, or other restrictions. We reserve the right to suspend or disable any account at any time in our sole discretion, including if we believe you have violated these Terms.

5. Our Products

Silvia currently offers the following products through Silvia, Inc. and its wholly owned subsidiaries:

  • Silvia Platform (www.silvia.com and related applications): an AI-powered personal finance platform. Product Terms for the Silvia Platform are set forth in Section 6.
  • Silvia Insights (formerly ProCap Insights) (www.procapinsights.com): a subscription content service providing AI-generated financial news, analysis, and commentary. Product Terms for Silvia Insights are set forth in Section 7.

Features, content, and availability vary by product and tier and may change over time. We may add, modify, suspend, or discontinue any product or feature. We may present additional terms for a new product or feature at the time of enrollment (“Additional Terms”). Additional Terms become part of these Terms upon your acceptance and govern with respect to that product or feature in the event of a conflict.

6. Silvia Platform Terms

6.1 Description of the Silvia Platform

The Silvia Platform is designed to help individual consumers understand, organize, and manage their financial lives. The Silvia Platform may include the following capabilities, which may vary by subscription tier and may change over time:

  • Conversational financial assistance through text, voice calls, iMessage, RCS, SMS, and email channels, including deep research requests.
  • Connection to Gmail, Google Calendar, and Google Drive to answer questions about your email, calendar, and files and, at your request and with your confirmation, take actions in them.
  • Aggregation and display of financial account data through Integration Partners.
  • Automated transaction categorization, tagging, and labeling.
  • Financial insights, including net worth calculations, spending analysis, cash flow projections, budgeting, and financial health scoring.
  • Goal tracking and progress monitoring for savings, debt payoff, retirement, and other financial objectives.
  • Alerts, notifications, and proactive nudges based on your financial activity.
  • Document and file analysis, including extraction of financial data from uploaded documents such as tax returns, pay stubs, bank statements, and receipts.

6.2 Personal Use Only

The Silvia Platform is for individual, personal use only. It is not designed or licensed for business, commercial, or institutional use.

6.3 Service Tiers

Free Tier. The Silvia Platform offers a free tier that provides access to a limited set of features. Free-tier users may be subject to usage limits, including limits on the number of linked financial accounts, AI interactions, document uploads, and other feature-specific caps. The specific limitations of the free tier are described on our pricing page and may change at any time.

Paid Tiers. The Silvia Platform offers one or more paid subscription tiers that provide access to additional features, higher usage limits, and enhanced capabilities. The features, limits, and pricing of each paid tier are described on our pricing page at the time of your subscription.

Tier Changes. You may upgrade or downgrade your subscription tier at any time through your account settings. Upgrades take effect immediately, and you will be charged a prorated amount for the remainder of your current billing period. Downgrades take effect at the end of your current billing period. When downgrading, you may lose access to features or data that exceed the limits of your new tier.

6.4 Financial Account Linking and Integration Partners

The Silvia Platform allows you to link external financial accounts through Integration Partners, which may include Plaid, SnapTrade, Coinbase, and other providers. When you authorize a connection:

  • You authorize the Integration Partner to access your financial account data and transmit it to Silvia in accordance with your authorization and the Integration Partner’s terms of service and privacy policy.
  • You are responsible for ensuring that you have the right to link each account. You should not link financial accounts belonging to other individuals without their knowledge and explicit consent.
  • You are responsible for reviewing and complying with the terms and conditions of each Integration Partner.

Silvia is not responsible for the accuracy, availability, timeliness, or security of data provided by Integration Partners. Financial data from linked accounts is only as current as the most recent synchronization with the Integration Partner, and there may be delays between when a transaction occurs and when it appears in the Silvia Platform.

You may disconnect any linked account at any time through your account settings. Disconnecting an account stops future data synchronization but does not automatically delete data previously received from that account.

6.5 API Access

If Silvia offers API access to individual users of the Silvia Platform, the following additional terms apply:

  • You must comply with all published rate limits, quotas, and usage restrictions.
  • API keys, tokens, and credentials are confidential. You are responsible for safeguarding your API credentials and for all activity conducted using them. You must not share API credentials with unauthorized parties.
  • You must not represent API Outputs as being generated by any source other than the Silvia Platform unless expressly permitted.
  • You may not use Outputs obtained through the API to develop, train, fine-tune, evaluate, or improve any AI model, machine learning system, or similar technology that competes with the Services.
  • API availability and performance are provided on an “as is” basis. Silvia does not guarantee specific uptime, latency, or throughput levels for API access.

API access is for individual, personal use. Commercial or business use of the API requires separate written authorization from Silvia.

6.6 Messaging Channels

Access Through Messaging. You may access the Silvia Platform by sending messages to Silvia’s phone number through Apple iMessage. If iMessage is unavailable, including on Android devices, messages are delivered through RCS, and if neither iMessage nor RCS is available, through SMS (each, a “Messaging Channel”). You may use a Messaging Channel to chat with Silvia or to request deep research. Messages are transmitted by Apple, Google, wireless carriers, and third-party messaging providers engaged by Silvia, none of which is a party to these Terms or responsible for the Silvia Platform.

Consent to Receive Messages. By enrolling in a Messaging Channel, you agree to receive messages from Silvia at the mobile number you provide, including responses to your messages and account notices. If you set up Radar alerts in the Silvia app and turn on SMS delivery, you also agree to receive recurring automated text messages containing the alerts you configure. Your consent is not a condition of any purchase. Message frequency varies, and message and data rates may apply. You may turn off SMS delivery of Radar alerts in the Silvia app or opt out of text messages at any time by replying STOP, and you may reply HELP for help. Opting out of a Messaging Channel does not close your account.

Your Mobile Number and Device. We verify your mobile number with a one-time code when you enroll. After verification, Silvia identifies you by your mobile number in each Messaging Channel and when you call Silvia, and does not require a password or PIN for each message or call. As a result, anyone with access to your device or mobile number may be able to use Silvia as you, including viewing information Silvia sends to you and confirming actions in your Connected Google Services. You are responsible for securing your device and mobile number, including by using a device passcode and protecting your account with your wireless carrier against unauthorized transfer of your number. You must notify us promptly at security@cfosilvia.com if you change your mobile number or if your device or number is lost, stolen, or compromised. We may require additional verification before providing certain information or taking certain actions through a Messaging Channel or a voice call.

Information on Your Device and SMS Security. Messages from Silvia, including financial information, are stored on your device and may be stored in device backups, synced to your other devices, and displayed in lock screen and notification previews. SMS messages are not end-to-end encrypted. Silvia cannot access or delete messages stored on your devices or in your backups. You are responsible for managing your device, backup, and notification settings.

Group Conversations. When available, you may add Silvia to a group conversation in a Messaging Channel. When you do:

  • Silvia receives and processes the messages, images, and other content shared by all participants while Silvia is in the conversation, which may include messages not addressed to Silvia, and responds when a participant mentions or messages Silvia.
  • You must tell the other participants that Silvia is an AI system and that their messages will be processed as described in the Privacy Policy.
  • You may not add Silvia to a group conversation that includes anyone under 18.
  • Silvia will not share your financial account data, Google User Data, or information Silvia remembers about you in the group conversation unless you ask it to. You are responsible for any information you ask Silvia to share with the group.
  • Silvia does not access any account, financial data, or connected service of a participant who is not the Silvia user who requested it, and does not take actions in a Connected Google Service from a group conversation unless the account owner confirms the action in a direct conversation with Silvia.
  • Any participant may remove Silvia from the conversation.

Other People’s Information. The Silvia Platform is for your personal use. You may not send Silvia messages, screenshots, voice recordings, or other information about another person unless you have the right to do so.

Availability. Messaging Channels depend on Apple, Google, wireless carriers, and third-party providers that Silvia does not control. We may modify, suspend, or discontinue any Messaging Channel at any time, including by moving your access to another channel or to the Site.

6.7 Voice Calls

You may call Silvia’s phone number to speak with Silvia’s AI voice assistant. Silvia does not place outbound calls to you.

Recording. Calls with Silvia are recorded and transcribed. By calling Silvia, you consent to the recording and transcription of your call and to our use of recordings and transcripts as described in the Privacy Policy. If another person joins or can be heard on the call, you are responsible for obtaining that person’s consent.

Not for Emergencies. Silvia’s phone number cannot be used to contact emergency services. If you suspect fraud or unauthorized activity in a financial account, contact your financial institution directly.

6.8 Connected Google Services and Actions You Request

Connecting Google. You may connect a Google account to the Silvia Platform to allow Silvia to access Gmail, Google Calendar, and Google Drive (“Connected Google Services”). By connecting, you authorize Silvia to access and use Google User Data as described in the Privacy Policy. You may disconnect a Google account at any time in your account settings or from your Google Account permissions page. Disconnecting deletes the Google User Data we hold from that account, as described in the Privacy Policy.

Confirmation Required. Silvia will ask you to confirm each action before it sends, creates, edits, shares, moves, trashes, or deletes any email, draft, event, file, or folder in a Connected Google Service. You are responsible for reviewing each proposed action, including its recipients, content, and sharing settings, before you confirm it. Actions you confirm are taken on your behalf and at your direction, and, to the extent permitted by law, you are responsible for their consequences. Some actions, such as sending an email or sharing a file, cannot be reversed.

Content From Others. Emails, calendar invitations, and files in your Connected Google Services may contain content, including instructions, created by other people. Silvia is designed to treat that content as information rather than as instructions, but content from others may still affect Silvia’s Outputs or the actions Silvia proposes. Do not confirm an action that you did not request or do not understand, and notify us at security@cfosilvia.com if Silvia proposes an action you did not request.

Memory. Silvia may remember information from your conversations and Connected Google Services and use it as context in later conversations, as described in the Privacy Policy.

6.9 No Financial Transactions

The Silvia Platform does not initiate payments, transfers, trades, or other financial transactions, and does not take actions in your linked financial accounts. Other than actions you request and confirm in a Connected Google Service, Silvia does not take actions or send communications to third parties on your behalf. Alerts and nudges are informational only, and any action you take in response is your decision. If we introduce features that take other actions on your behalf, we will present Additional Terms describing those features and obtain your consent before enabling them.

7. Silvia Insights Terms

7.1 Nature of the Service

Silvia Insights is a subscription-only content service that provides financial news, analysis, commentary, research reports, market data, educational content, newsletters, podcasts, video content, and other media related to investing, digital assets, financial markets, artificial intelligence, and related topics. All content published through Silvia Insights, including articles, analyses, reports, commentary, data, graphics, audio, video, and other materials, is referred to as “Insights Content.”

7.2 Subscription Required

Access to Silvia Insights requires a paid subscription. Features, content tiers, and pricing are described on the Silvia Insights website at the time of subscription. Billing, renewal, cancellation, and refunds are governed by Section 10.

7.3 AI-Generated Content and Editorial Review

All or substantially all Insights Content is generated using artificial intelligence and machine learning technologies. Insights Content may or may not be reviewed, edited, or curated by human editors before publication, and Silvia does not guarantee that any particular Insights Content has been reviewed by a human. The AI disclosures in Section 8 apply to all Insights Content.

7.4 Insights Content License

Subject to your compliance with these Terms, and for the duration of your active subscription, Silvia grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and view Insights Content for your personal, non-commercial use only.

7.5 Insights Content Restrictions

In addition to the restrictions in Section 11.3, you may not:

  • Copy, reproduce, distribute, republish, download, store, or transmit Insights Content except as incidental to normal use (such as browser caching).
  • Share, forward, or redistribute Insights Content to non-subscribers, whether in whole or in part, by any means.
  • Create derivative works based on Insights Content.
  • Use Insights Content for any commercial purpose without Silvia’s prior written consent.

7.6 Enterprise and White-Label Licensing

Licensing of Insights Content for redistribution, white-label, co-branded, or other commercial use is available only under a separate written agreement with Silvia. Nothing in these Terms grants any such rights.

8. AI Disclosures and Limitations

8.1 You Are Interacting with AI

When you use the Silvia Platform, you are interacting with an artificial intelligence system. The financial analyses, projections, recommendations, categorizations, summaries, alerts, and conversational responses delivered through the Services, and Insights Content, are generated in whole or in part by AI and machine learning models. The Silvia Platform is not a human financial advisor, and no human reviews every individual Output before it is delivered to you unless we specifically state otherwise. This applies equally when you interact with Silvia through a Messaging Channel or a voice call. Silvia is an AI system even when it communicates in a conversational or human-like manner, including through a spoken voice.

8.2 Limitations

You acknowledge and agree that:

  • AI-generated Outputs and Insights Content may contain factual errors, miscalculations, outdated information, fabricated references, or incomplete analysis. Large language models can generate plausible-sounding but incorrect information (commonly known as “hallucinations”).
  • Transaction categorization is not 100% accurate. The AI may miscategorize transactions, particularly for new merchants, ambiguous descriptions, or transfers between accounts.
  • Financial projections are based on historical data and assumptions, not certainty. Actual outcomes will differ from projections.
  • AI models have knowledge cutoff dates and may not reflect the most recent laws, tax law changes, regulatory updates, market conditions, or economic developments.
  • Outputs and Insights Content may be similar or identical to those provided to other users with similar data or questions.
  • AI-generated content may cite, reference, or summarize sources that do not exist or that do not say what the content claims.

You should independently verify any AI-generated Output or Insights Content, including all cited sources, before relying on it for any purpose. For a full description of how our AI works, its limitations, and the safeguards we maintain, see the AI Transparency Statement.

9. Not Financial or Professional Advice

The Silvia Platform and Silvia Insights are not provided by, and are not a substitute for, a bank, broker-dealer, investment adviser, financial planner, tax preparer, tax advisor, certified public accountant, or attorney.

The Services are informational and educational tools. Nothing provided through the Services, including Outputs and Insights Content, constitutes individualized financial, investment, tax, legal, or accounting advice. You should not rely solely on information from the Services when making financial decisions. You should consult with qualified professionals for advice tailored to your specific circumstances, especially regarding investment transactions, tax filings, debt management, estate planning, and retirement planning.

ProCap Investment Advisers, LLC (“PIA”), a subsidiary of Silvia, Inc., is or will be registered with the U.S. Securities and Exchange Commission as an investment adviser. Registration does not imply a certain level of skill or training. PIA provides investment advisory services only to clients that have entered into a written advisory agreement with PIA. Nothing in the Silvia Platform or Silvia Insights constitutes advice from PIA or creates an advisory relationship with PIA.

You are solely responsible for the financial decisions you make using or based on information provided through the Services.

10. Subscriptions, Billing, and Payment

10.1 Free Tier

The Silvia Platform free tier does not require payment. No credit card is required to create a free-tier account.

10.2 Paid Subscriptions

By subscribing to a paid tier of the Silvia Platform or to Silvia Insights, you agree to pay all applicable subscription fees using the payment method you provide. All fees are stated in U.S. dollars unless otherwise specified. Payment processing is handled by our third-party payment processor (currently Stripe), and your use of that processor is subject to its terms and conditions.

10.3 Auto-Renewal

Paid subscriptions automatically renew at the end of each billing period (monthly or annually, as applicable) unless you cancel before the renewal date. By subscribing, you authorize us to charge the applicable renewal fee to your payment method on each renewal date. You must cancel at least 24 hours before the renewal date to avoid being charged for the next billing period.

10.4 Cancellation

You may cancel a paid subscription at any time through your account settings or by contacting support@cfosilvia.com. Cancellation takes effect at the end of the current billing period, and you will retain access to paid features until that period ends. Upon cancellation, a Silvia Platform account will revert to the free tier, and access to Silvia Insights will end.

10.5 Refunds

Subscription fees already paid are non-refundable, except where required by applicable law or as provided in Section 21.2.

10.6 Fee Changes

We may change subscription fees from time to time. Fee changes will not apply during your current billing period. We will provide at least thirty (30) days’ advance notice of any fee increase. If you do not agree to the new fees, you may cancel before they take effect. Continued use after the new fees take effect constitutes acceptance.

10.7 Taxes

All fees are exclusive of applicable taxes, levies, and duties. You are responsible for paying any taxes associated with your subscription, excluding taxes based on Silvia’s net income.

11. Intellectual Property

11.1 Ownership

The Services and all Content are owned by Silvia or its subsidiaries and licensors and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws. The Silvia names, logos, and all related names, logos, product and service names, designs, and slogans are trademarks of Silvia or its subsidiaries. You may not use any Silvia trademarks without our prior written consent.

11.2 Limited License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Services and Content for your personal, non-commercial purposes. This license does not include any right to resell or make any commercial use of the Services or Content, collect or use any product listings, descriptions, or prices, make any derivative use of the Services or Content, download or copy account information for the benefit of a third party, or use any data mining, robots, or similar data gathering and extraction tools.

11.3 Restrictions

Without limiting the foregoing, you may not:

  • Copy, reproduce, distribute, republish, download, display, transmit, or create derivative works of any Content, in any form, for any commercial purpose without our prior written consent.
  • Use any automated means (including robots, spiders, scrapers, crawlers, or other automated devices) to access the Services or extract data or Content, except through APIs we expressly provide.
  • Use the Services, Content, or Outputs to develop, train, fine-tune, evaluate, or improve any artificial intelligence model, machine learning system, or competing product or service without our explicit written authorization.
  • Frame, mirror, or embed any part of the Services on another website or application without our express written consent.
  • Remove, alter, or obscure any copyright, trademark, or other proprietary notices from the Services or Content.

11.4 DMCA Procedure

If you believe that any content on the Services infringes your copyright, you may submit a written notification to our designated copyright agent in accordance with the Digital Millennium Copyright Act (17 U.S.C. § 512). Your notice must include: your physical or electronic signature; identification of the copyrighted work; identification of the allegedly infringing material; your contact information; a statement of good faith belief that the use is not authorized; and a statement under penalty of perjury that you are authorized to act on behalf of the copyright owner. Send notices to: Copyright Agent, Legal Department, Silvia, Inc., 600 Lexington Avenue, New York, NY 10022, legal@cfosilvia.com. It is our policy to terminate the accounts of repeat infringers in appropriate circumstances.

12. User Content, Inputs, Outputs, and Feedback

12.1 Your Content

You retain ownership of your User Content, including all Inputs, text, voice, files, documents, and financial data you submit to or link with the Services, subject to the licenses you grant under these Terms. By submitting User Content, you grant Silvia a worldwide, non-exclusive, royalty-free, fully paid, sublicensable, and transferable license to use, reproduce, process, adapt, modify, display, and distribute your User Content solely as necessary to:

  • Provide, maintain, and improve the Services, including generating Outputs.
  • Train, evaluate, and improve our AI models, subject to the de-identification requirements and opt-out rights described in Section 13.
  • Create Anonymized Data as described in Section 14.
  • Comply with applicable law.

You represent and warrant that you have all rights necessary to grant the licenses in this Section, and that your User Content does not violate any law, regulation, or third-party right.

12.2 Accuracy of Your Inputs

You are responsible for the accuracy and completeness of the financial data you provide to or link with the Services. Inaccurate input data will result in inaccurate analysis and Outputs.

12.3 Outputs

Outputs are owned by Silvia. Subject to your compliance with these Terms, we grant you a non-exclusive, non-transferable, revocable license to use the Outputs for your personal, non-commercial purposes. You may not:

  • Represent AI-generated Outputs as certified, audited, or professionally verified financial advice, analysis, or opinions.
  • Distribute AI-generated Outputs to third parties as if they were the product of a licensed financial professional.
  • Use AI-generated Outputs to develop, train, fine-tune, evaluate, or improve any AI model, machine learning system, or competing product or service.

Outputs are not guaranteed to be unique to you unless they incorporate your specific financial data.

12.4 Feedback

If you provide us with any feedback, suggestions, ideas, comments, ratings, or other input regarding the Services (“Feedback”), you assign to Silvia all right, title, and interest in such Feedback. We may use Feedback for any purpose without restriction, compensation, or obligation to you. Nothing in this Section limits the protections set forth in the Privacy Policy with respect to personal information contained in Feedback.

13. AI Model Training and Improvement

Silvia may use your Inputs and Outputs to train, fine-tune, evaluate, and improve our AI models. Before any data is used for model training, it is de-identified or anonymized to remove personally identifiable information, in accordance with the standards described in our Privacy Policy.

You can opt out. You may opt out of having your Inputs and Outputs used for AI model training at any time through Settings > Privacy > Model training, or by emailing privacy@cfosilvia.com. Once you opt out, the training data sets we build after that leave your data out, including Anonymized Data used to train or evaluate AI models. Opting out does not degrade the quality of the Services you receive.

Opting out does not affect our ability to: (a) use your data to provide the Services to you in real time (runtime processing); or (b) create Anonymized Data as described in Section 14.

Google User Data is never used for AI model training, regardless of your opt-out preference, as described in the Privacy Policy.

Regardless of your opt-out preference, we may use data that has been flagged for safety review, submitted as explicit Feedback (such as thumbs-up or thumbs-down ratings), or reported for policy violations, for the purpose of maintaining the safety, security, and integrity of the Services.

14. Anonymized Data

As described in the Privacy Policy, Silvia may create Anonymized Data from your Inputs, Outputs, financial data, and usage data. Before any data is used to create Anonymized Data, we apply de-identification and anonymization standards including removal of direct identifiers, suppression or perturbation of quasi-identifiers, and validation that the resulting data cannot reasonably be used to identify any individual.

Silvia does not create Anonymized Data from Google User Data.

Once data has been irreversibly anonymized in accordance with these standards, it is no longer personal data under applicable law and is not subject to the data protection rights described in the Privacy Policy. As between you and Silvia, Silvia owns all right, title, and interest in Anonymized Data.

Silvia may use, license, and otherwise commercialize Anonymized Data for lawful purposes, including analytics, benchmarking, research, and improving products and services. You are not entitled to compensation for Anonymized Data derived from your data.

Silvia maintains technical and organizational safeguards to prevent re-identification, contractually prohibits re-identification by third-party recipients, and conducts periodic re-identification risk assessments, as described in the Privacy Policy.

15. Acceptable Use and Prohibited Conduct

15.1 Acceptable Use Policy

Your use of the Services is subject to the Acceptable Use Policy, which is incorporated into these Terms by reference. The Acceptable Use Policy defines permitted and prohibited uses of the Services in detail, including restrictions on misuse of AI capabilities, fraudulent activity, technical abuse, data privacy violations, and commercial misuse. A violation of the Acceptable Use Policy constitutes a breach of these Terms.

15.2 Prohibited Conduct

You agree not to use the Services to:

  • Violate any applicable federal, state, local, or international law or regulation.
  • Exploit, harm, or attempt to exploit or harm any individual, including minors.
  • Impersonate any person or entity, or falsely claim an affiliation with any person or entity.
  • Transmit unsolicited communications, advertisements, or spam.
  • Engage in any conduct that restricts or inhibits anyone’s use of the Services, or that could damage, disable, overburden, or impair the Services.

Additionally, you agree not to:

  • Use any automated device, process, or means to access or monitor the Services, except through APIs we expressly provide.
  • Introduce any viruses, trojan horses, worms, logic bombs, or other malicious or technologically harmful material.
  • Attempt to gain unauthorized access to, interfere with, or disrupt any part of the Services, any server or network connected to the Services, or any security or access control features.
  • Circumvent, disable, or interfere with any security, authentication, rate-limiting, or usage-monitoring features of the Services.
  • Attack the Services via a denial-of-service attack or distributed denial-of-service attack.

16. Third-Party Links, Integrations, and Services

The Services may contain links to websites, applications, and services operated by third parties. These links are provided for your convenience and do not constitute an endorsement, affiliation, or sponsorship by Silvia.

The Services integrate with third-party services, which may include financial account aggregators (such as Plaid and SnapTrade), cryptocurrency platforms (such as Coinbase), real estate data providers (such as Zillow), market data providers (such as CoinGecko and CoinMarketCap), and payment processors (such as Stripe). Your use of those integrations is subject to the applicable third-party terms and privacy policies, and you are responsible for reviewing and complying with them.

Messaging Channels and voice calls are delivered through third-party providers, which may include Apple, Google, wireless carriers, and messaging, telephony, and voice AI service providers. Connected Google Services are provided by Google under Google’s own terms. Google is not a party to these Terms and is not responsible for the Silvia Platform.

Silvia does not control third-party services and is not responsible for their content, accuracy, privacy practices, security, or availability. Your use of third-party services is at your own risk.

17. Disclaimers and No Warranties

THE SERVICES, ALL CONTENT, ALL OUTPUTS, AND ALL INSIGHTS CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT ANY WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF ACCURACY, COMPLETENESS, FITNESS FOR A PARTICULAR PURPOSE, MERCHANTABILITY, NON-INFRINGEMENT, QUALITY, TIMELINESS, AND TITLE.

SILVIA AND ITS SUBSIDIARIES DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE MAKE NO WARRANTY THAT ANY CONTENT, OUTPUT, OR INSIGHTS CONTENT IS ACCURATE, COMPLETE, CURRENT, RELIABLE, OR ERROR-FREE.

AI-GENERATED CONTENT IS PRODUCED BY AUTOMATED SYSTEMS AND MAY CONTAIN FACTUAL ERRORS, FABRICATED CITATIONS, OUTDATED INFORMATION, OR MISLEADING ANALYSIS. WE DO NOT GUARANTEE THAT AI-GENERATED CONTENT HAS BEEN REVIEWED BY A HUMAN BEFORE DELIVERY OR PUBLICATION. FINANCIAL PROJECTIONS ARE NOT GUARANTEES OF FUTURE PERFORMANCE. TRANSACTION CATEGORIZATION IS NOT GUARANTEED TO BE ACCURATE. AI-GENERATED CONTENT SHOULD NOT BE USED AS THE SOLE OR PRIMARY BASIS FOR ANY INVESTMENT, TRADING, FINANCIAL, TAX, OR LEGAL DECISION, AND ANY RELIANCE ON IT IS AT YOUR OWN RISK. SILVIA IS NOT RESPONSIBLE FOR ANY LOSS, DAMAGE, OR HARM ARISING FROM YOUR USE OF OR RELIANCE ON CONTENT, OUTPUTS, OR INSIGHTS CONTENT, INCLUDING FINANCIAL LOSSES RESULTING FROM INVESTMENT, TAX, OR OTHER FINANCIAL DECISIONS.

18. Limitation of Liability

18.1 Exclusion of Certain Damages

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, SILVIA AND ITS SUBSIDIARIES, AFFILIATES, AND THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, LICENSORS, AND SERVICE PROVIDERS (COLLECTIVELY, THE “SILVIA PARTIES”) WILL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, REGARDLESS OF THE THEORY OF LIABILITY AND EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

18.2 Liability Cap

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE TOTAL AGGREGATE LIABILITY OF THE SILVIA PARTIES FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICES SHALL NOT EXCEED THE GREATER OF: (I) THE TOTAL FEES YOU PAID TO SILVIA FOR THE PRODUCT GIVING RISE TO THE CLAIM IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (II) ONE HUNDRED U.S. DOLLARS ($100.00); PROVIDED THAT, FOR CLAIMS ARISING OUT OF OR RELATING TO SILVIA INSIGHTS, THE LOOK-BACK PERIOD IN CLAUSE (I) IS SIX (6) MONTHS. THIS CAP APPLIES WHETHER YOU ARE A FREE-TIER OR PAID USER. IF A CLAIM RELATES TO MORE THAN ONE PRODUCT, THE CAP IS THE HIGHEST AMOUNT THAT WOULD APPLY TO ANY ONE OF THOSE PRODUCTS, AND THE CAPS ARE NOT CUMULATIVE.

18.3 Exceptions

Nothing in these Terms limits either party’s liability for: (a) fraud or fraudulent misrepresentation; (b) death or personal injury caused by negligence; or (c) any liability that cannot be excluded or limited under applicable law. Some jurisdictions do not allow the exclusion or limitation of certain damages; in such jurisdictions, the liability of the Silvia Parties shall be limited to the fullest extent permitted by law.

19. Indemnification

To the maximum extent permitted by applicable law, you agree to indemnify, defend, and hold harmless the Silvia Parties from and against any and all third-party claims, liabilities, damages, losses, expenses, and costs (including reasonable attorneys’ fees) arising from or related to: (a) your use of the Services; (b) your violation of these Terms, including the Acceptable Use Policy; (c) your violation of any applicable law or regulation; (d) your User Content; or (e) your infringement of any intellectual property or other right of any person or entity.

20. Dispute Resolution

20.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of New York, without regard to its conflicts of laws provisions, and applicable federal law and regulations.

20.2 Mandatory Arbitration

Any dispute, claim, or controversy (“Dispute”) arising out of or relating to these Terms, your use of the Services, or the relationship between you and Silvia shall be resolved exclusively by binding individual arbitration administered by the American Arbitration Association (“AAA”) under its then-current consumer arbitration rules. The arbitration shall be conducted by a single, neutral arbitrator with at least ten years of relevant experience, mutually selected by the parties. The seat of arbitration shall be New York, New York, and the arbitration may be conducted remotely at the arbitrator’s discretion.

The Federal Arbitration Act, 9 U.S.C. § 1 et seq., governs the interpretation and enforcement of this arbitration agreement.

20.3 Arbitration Opt-Out

You may opt out of this arbitration agreement by sending written notice to legal@cfosilvia.com within thirty (30) days of first accepting these Terms. Your notice must include your name, mailing address, and a clear statement that you wish to opt out of arbitration. If you opt out, you and Silvia agree to submit to the exclusive jurisdiction of the courts described in Section 20.7.

20.4 Small Claims Exception

Notwithstanding the foregoing, either party may bring an individual action in small claims court if the Dispute falls within that court’s jurisdiction and the action remains on an individual (non-class) basis.

20.5 Class Action Waiver

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AND SILVIA AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION OR PROCEEDING. YOU WAIVE ANY RIGHT TO PARTICIPATE IN A CLASS ACTION LAWSUIT OR CLASS-WIDE ARBITRATION.

If this class action waiver is found to be unenforceable with respect to a particular claim, then the entirety of this arbitration agreement shall be deemed void with respect to that claim only, and the claim shall proceed in court.

20.6 Jury Trial Waiver

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AND SILVIA WAIVE THE RIGHT TO A JURY TRIAL IN ANY LEGAL PROCEEDING ARISING OUT OF OR RELATING TO THESE TERMS.

20.7 Exclusive Jurisdiction

To the extent any Dispute is not subject to arbitration, or for purposes of confirming, vacating, modifying, or correcting any arbitration award, you irrevocably submit to the exclusive jurisdiction of the federal and state courts located in New York County, New York, and waive any objection to venue in such courts.

20.8 Limitations Period

Regardless of any statute or law to the contrary, any claim or cause of action arising out of your use of the Services must be initiated within one (1) year after the claim accrues, or it is permanently barred.

21. Termination

21.1 Termination by You

You may stop using the Services at any time. You may close your account through your account settings or by contacting support@cfosilvia.com. If you have an active paid subscription, cancellation takes effect at the end of the current billing period as described in Section 10.4. Closing your account does not relieve you of obligations incurred before closure, including payment of any outstanding fees.

21.2 Termination by Silvia

We may suspend or terminate your access to the Services, in whole or in part, at any time and for any reason, including if we reasonably believe you have violated these Terms or the Acceptable Use Policy, your use creates risk or legal exposure for Silvia, or we are required to do so by law. Where practicable, we will provide notice before or promptly after taking action. If we terminate for your breach, no refund will be issued. If we terminate without cause or discontinue a paid product entirely, we will issue a pro-rata refund of any prepaid fees for the unused portion of your billing period for that product.

21.3 Data After Termination

Upon account closure, your data will be handled in accordance with the Privacy Policy, including applicable retention periods. You may request deletion of your personal data through the mechanisms described in the Privacy Policy. Anonymized Data derived from your data before closure is not subject to deletion.

21.4 Survival

Upon termination, your right to access and use the Services ceases, subject to Sections 10.4 and 21.2. The following Sections survive termination: 2 (Definitions), 8 (AI Disclosures and Limitations), 9 (Not Financial or Professional Advice), 10 (Subscriptions, Billing, and Payment, as to amounts owed), 11 (Intellectual Property), 12 (User Content, Inputs, Outputs, and Feedback), 13 (AI Model Training and Improvement, as to data used before termination), 14 (Anonymized Data), 17 (Disclaimers and No Warranties), 18 (Limitation of Liability), 19 (Indemnification), 20 (Dispute Resolution), 21 (Termination), 22 (Export Controls and Sanctions), and 25 (Miscellaneous).

22. Export Controls and Sanctions

The Services may be subject to U.S. and international export control and sanctions laws and regulations. You agree not to export, re-export, or transfer the Services or any data received through the Services to any country, entity, or person prohibited under applicable export control and sanctions laws, including programs administered by the Office of Foreign Assets Control (“OFAC”). You represent and warrant that you are not located in, under the control of, or a national or resident of any U.S.-embargoed country, and that you are not on any U.S. government restricted party list.

23. Privacy

Our collection, use, and disclosure of personal information in connection with the Services is described in our Privacy Policy, which is incorporated into these Terms by reference. By using the Services, you acknowledge that you have read and understood the Privacy Policy.

24. Changes to These Terms

We may revise these Terms at any time by posting an updated version on the Site and updating the “Last Updated” date. If we make material changes, we will notify you by email to the address associated with your account, or through a prominent notice on the Site or within the Services, at least fifteen (15) days before the changes take effect. Fee changes are governed by Section 10.6. Your continued use of the Services after the effective date of the revised Terms constitutes your acceptance. If you do not agree, you must stop using the Services and cancel any subscription before the effective date.

25. Miscellaneous

  • Entire Agreement. These Terms, together with the Privacy Policy, the Acceptable Use Policy, and any Additional Terms, constitute the entire agreement between you and Silvia with respect to the Services and supersede all prior and contemporaneous agreements, understandings, and representations, including the Prior Terms, except as provided in Section 1.4.
  • Severability. If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions shall remain in full force and effect, and the invalid provision shall be replaced with a valid provision that achieves the same or similar objective.
  • No Waiver. No failure or delay by Silvia in exercising any right or remedy shall operate as a waiver thereof. Any waiver must be in writing and signed by Silvia.
  • Assignment. You may not assign, delegate, or transfer these Terms or any of your rights or obligations without our prior written consent. Silvia may assign these Terms, in whole or in part, without restriction, including to any subsidiary or affiliate or in connection with a merger, acquisition, reorganization, or sale of assets.
  • Force Majeure. Silvia shall not be liable for any failure or delay in performing its obligations under these Terms if such failure or delay results from circumstances beyond its reasonable control, including natural disasters, acts of government, epidemics, pandemics, war, terrorism, labor disputes, Internet or telecommunications failures, cyberattacks, or disruptions to third-party services on which the Services depend.
  • Notices. We may provide notices to you by email to the address associated with your account or by posting on the Site. Notices to Silvia must be sent to legal@cfosilvia.com.
  • Headings. Section headings are for convenience only and do not affect the interpretation of these Terms.

26. Contact Information

If you have questions about these Terms or the Services, please contact us at:

Silvia, Inc.

600 Lexington Avenue, New York, NY 10022

General Support: support@cfosilvia.com

Legal Notices: legal@cfosilvia.com

Privacy: privacy@cfosilvia.com

Security: security@cfosilvia.com

Abuse Reports: abuse@cfosilvia.com