Terms of Service

Badger Lane Equity Corporation operates a financial automation and cash flow management platform (“Services”) that enables users to aggregate read-only financial account data, analyze personal cash flow patterns and spending trends, initiate user-authorized fund movements between linked accounts, configure automated savings, debt repayment, and financial routing rules, and access human advisory guidance from registered professionals where applicable.

Important: Badgerlane is a software automation platform. We are not a bank, not a lender, not a broker-dealer, and not a registered investment adviser under the Investment Advisers Act of 1940 or any state equivalent. We do not hold, custody, or take possession of user funds at any time.

The Services are automation tools that execute user-defined instructions. Nothing on the Badgerlane platform, including any cash flow analysis, suggested automations, educational content, or communications from Badgerlane staff, constitutes investment advice, tax advice, legal advice, financial planning services subject to fiduciary obligations, or any form of regulated advisory service under federal or state law.

Where Badgerlane makes registered advisory professionals available, any such services are governed by a separate advisory agreement and applicable regulatory disclosures. You are solely responsible for all financial decisions you make, and you should consult qualified professionals before making any material financial, investment, tax, or legal decisions.

We use Quiltt, Inc. and its underlying financial data network partners (collectively, “Data Providers”) to facilitate read-only access to your financial account information. By linking an account, you authorize Badgerlane and its Data Providers to retrieve transaction history, account balances, and account identifiers; acknowledge that retrieval is subject to availability and accuracy limitations of Data Providers; understand that Badgerlane is a consumer of aggregated data and does not independently verify its accuracy; and grant ongoing refresh permissions until you revoke access in your account settings.

Credential security: We do not store your online banking usernames or passwords. Authentication is handled directly by Data Providers using tokenized, credential-free methods where supported.

Data accuracy: Aggregated data may be delayed, incomplete, or temporarily unavailable. You should not rely on Badgerlane’s data display as a substitute for your financial institution’s official records. We are not liable for errors, omissions, or delays in third-party data.

Revoking access: You may disconnect linked accounts at any time via your account settings. Revocation will not affect data already processed. To request deletion of stored data, contact support@badgerlane.com.

Certain features of the Services allow you to instruct transfers between your own financial accounts. All such transfers are initiated solely based on your explicit instructions and automation rules, executed via third-party payment processors and banking partners, subject to the terms, limits, and availability of your financial institutions and our payment partners, and not guaranteed as to timing.

Badgerlane does not hold, pool, or custody your funds at any point. We act as an instruction layer only. You remain responsible for maintaining sufficient balances, avoiding overdrafts, and understanding your institutions’ transfer policies.

Error resolution: If you believe a transfer was initiated in error, contact us immediately at support@badgerlane.com. We will coordinate with payment partners to investigate. Resolution timelines depend on the nature of the error and third-party processes. We do not guarantee recovery of funds transferred pursuant to your instructions.

To use the Services, you must be at least 18 years of age; reside in the United States and have a U.S.-based financial account; have legal authority and ownership over any accounts you link; and not be prohibited from receiving services under applicable law.

By using the Services, you represent and warrant that you meet all eligibility requirements. We reserve the right to verify eligibility and to suspend access where requirements are not met.

You agree to provide accurate, current, and complete registration information and to keep it updated. You are solely responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to notify us immediately at support@badgerlane.com of any unauthorized access or suspected security breach.

We reserve the right to disable accounts where we believe credentials have been compromised or where activity is inconsistent with authorized use.

• Violate any applicable law or regulation.
• Engage in money laundering, fraud, or unlawful financial activity.
• Link accounts you do not own or have authority to manage.
• Circumvent security, access controls, or authentication mechanisms.
• Reverse-engineer, scrape, or copy any aspect of the platform.
• Introduce malicious code or interfere with platform integrity.
• Resell, sublicense, or commercially exploit the Services without written authorization.

Applicable subscription tiers and fees are disclosed at the time of enrollment and on our pricing page. By subscribing, you authorize recurring charges to your designated payment method on the stated billing cycle.

All fees are non-refundable except as required by applicable law or as expressly stated in a promotional offer. We may modify pricing upon notice; continued use after a price change constitutes acceptance. You may cancel your subscription at any time; cancellation takes effect at the end of the current billing period.

All content, software, trademarks, and materials on the Badgerlane platform are owned by or licensed to Badger Lane Equity Corporation and protected by applicable intellectual property law. We grant you a limited, non-exclusive, non-transferable license to use the Services for your personal financial management. You may not copy, modify, distribute, or create derivative works without our written consent.

You retain ownership of your personal financial data. By using the Services, you grant us a limited license to process your data as necessary to provide, maintain, and improve the Services, subject to our Privacy Policy.

Our collection, use, and sharing of personal and financial information is governed by our Privacy Policy, incorporated herein by reference. We do not sell your personal data to third parties. We share data with service providers, including Quiltt and payment partners, only as necessary to deliver the Services. Financial data accessed through Data Providers is used solely to power your automations. You may request deletion of your data by contacting support@badgerlane.com.

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT.

We do not warrant that the Services will be uninterrupted or error-free, aggregated financial data will be accurate or current, automations will execute on any particular schedule, or the platform will meet your specific financial needs.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, BADGER LANE EQUITY CORPORATION, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR indirect, incidental, special, consequential, or punitive damages; loss of profits, revenue, data, or goodwill; errors, delays, or failures in third-party data aggregation or payment processing; actions taken or not taken in reliance on platform output or cash flow analysis; unauthorized access to your account or financial data; or force majeure events, banking system outages, or regulatory actions.

In any case, our total aggregate liability to you shall not exceed the greater of (a) the fees you paid to us in the twelve months preceding the claim, or (b) one hundred dollars ($100). Some jurisdictions do not allow limitation of liability; in such cases, liability is limited to the fullest extent permitted.

You agree to indemnify, defend, and hold harmless Badger Lane Equity Corporation and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to your use of the Services, your violation of these Terms, your violation of any third-party rights, or any inaccurate information you provide.

We may suspend or terminate your access to the Services immediately, with or without notice, if we suspect fraud, money laundering, or other unlawful activity; you violate these Terms or our Acceptable Use Policy; we are required to do so by law, regulation, or order of a government authority; continued access poses a risk to us, other users, or third-party partners; or our agreements with banking or data partners are affected in ways that impact your account.

Upon termination, your right to use the Services ceases immediately. Sections 2, 9, 11, 12, 13, 15, and 16 survive termination.

Informal resolution: Before initiating any formal dispute, you agree to contact us at support@badgerlane.com and attempt to resolve the matter informally for at least thirty days.

Binding arbitration: If informal resolution fails, any dispute, claim, or controversy arising out of or relating to these Terms or the Services shall be resolved exclusively by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. Arbitration shall take place in Salt Lake City, Utah, or remotely by mutual agreement. The Federal Arbitration Act governs this provision.

Class action waiver: You waive any right to participate in class action behavior. All claims must be brought in your individual capacity.

Exceptions: Either party may seek emergency injunctive relief in court to protect intellectual property or prevent imminent harm. This arbitration clause does not apply where prohibited by applicable law.

Governing law: These Terms are governed by the laws of the State of Utah, without regard to conflict-of-law principles.

We may update these Terms from time to time. For material changes, we will provide notice via email or a prominent in-app notification at least fourteen days before the change takes effect. Your continued use of the Services after the effective date of updated Terms constitutes your acceptance. If you do not agree to the changes, you must discontinue use and may cancel your account.

Entire agreement: These Terms, together with our Privacy Policy and any supplemental agreements, constitute the entire agreement between you and Badgerlane regarding the Services.

Severability: If any provision is found unenforceable, the remaining provisions remain in full force.

Waiver: Our failure to enforce any provision does not constitute a waiver of future enforcement.

Assignment: You may not assign your rights under these Terms without our written consent. We may assign our rights in connection with a merger, acquisition, or sale of assets.

Contact: For questions about these Terms, contact us at support@badgerlane.com or Badger Lane Equity Corporation, United States.