Benjamin Terms of Service

Effective date

October 12, 2026

Last updated

October 26, 2026

These Terms of Service (“Terms”) are an agreement between you and Wasder, Inc., a Delaware corporation (“Benjamin”, “we”, “us”), for your use of the Benjamin mobile app and https://agentben.money (together, the “Service”). By creating an account or using the Service, you agree to these Terms and acknowledge our Privacy Policy at https://agentben.money/privacy. If you do not agree, do not use the Service.

PLEASE READ SECTION 15. IT REQUIRES MOST DISPUTES TO BE RESOLVED BY INDIVIDUAL ARBITRATION AND WAIVES CLASS ACTIONS, UNLESS YOU OPT OUT WITHIN 30 DAYS.

1. What Benjamin is

Benjamin helps you understand your own money. With your permission, it reads your bank and card accounts and shows you:

• your spending, recurring charges, upcoming bills and cash;
• estimates of what credit cards earned or would have earned on your own past spending.

It also includes an AI assistant, Ask Benjamin, and notifications you control.

Benjamin is an information tool. It does not move money, make payments, cancel subscriptions, open accounts or apply for credit on your behalf. It does not make credit decisions. Benjamin does not obtain your credit report or credit score today.

2. Eligibility

To use the Service you must:

• be at least 18 years old;
• live in the United States (some regulated features may be limited by state);
• be able to form a binding contract; and
• use the Service only for your own personal, non-commercial purposes, and only with accounts you own or are authorized to access.

At sign-up you confirm that you are at least 18 and accept these Terms; we record that confirmation. We may ask for your state of residence and may limit features based on it.

3. Your account

• You sign in with a code we email to you, or with Sign in with Apple or Sign in with Google when the app offers them. We do not offer password sign-in.
• Keep access to your email, any Apple or Google account you sign in with, and your devices secure. You are responsible for activity under your account. Tell us promptly at gm@agentben.money if you think someone has used your account without permission.
• Once you set up a passcode and recovery code for your account (see the Privacy Policy, sections 3.1 and 10), if you lose your recovery code and can no longer unlock any of your devices (for example, you lose them or enter a wrong passcode too many times), anything kept under your Benjamin keys cannot be restored to you by anyone, including Benjamin, and it is lost to you. Keep your recovery code somewhere safe, away from your phone.
• Give us accurate information and keep it current.
• One person per account. Do not share your account or create one for someone else.

4. Information, not advice

Benjamin is not a financial adviser, credit counselor, tax adviser or law firm. It does not provide credit repair services. The Service is not financial, investment, tax or legal advice. Information in the Service is general and based on the data available to us. It does not consider every fact about your situation. You are responsible for your own financial decisions. Consider getting advice from a qualified professional before you act.

5. No guarantees of approvals, scores or savings

• Approvals. Only card issuers decide whether to approve an application and on what terms. Benjamin does not check whether you qualify. It does not predict or promise approval, and it does not tell you your chances of approval or that you are “pre-approved”. Benjamin is not a lender or broker. Applying for credit usually leads to a hard inquiry on your credit report.
• Credit scores. Benjamin does not repair, raise or improve credit scores. It does not promise any change to your credit score or credit report. Nothing Benjamin computes from your bank data is a credit score.
• Savings and rewards. Benjamin does not promise any savings, rewards, earnings or other amount. Your results depend on your own choices, your spending, issuer terms and other things we do not control.

6. Estimates are estimates

Card values, card comparisons, bonus progress, card usage, upcoming bills, recurring charges, safety buffers and other figures in the Service are estimates. We compute them from your past data and from card terms we collected from public sources or that you entered. They can be wrong or out of date, for example because:

• your institution or Plaid may provide incomplete, delayed or inaccurate data;
• card terms, reward rates, fees and offers change, and issuers may apply conditions we do not know about;
• Benjamin’s card list does not include every card, and some ways a card earns cannot be counted yet;
• your future spending may differ from your past spending.

We aim to show how an estimate was computed and what it leaves out. When required data is missing or too old, we aim to say so instead of guessing. Always check the issuer’s current terms before you apply for a card or rely on a benefit. Progress toward a sign-up bonus is our count of your linked spending; only the issuer decides whether a bonus is paid.

7. Ask Benjamin (AI)

• Ask Benjamin uses a third-party AI service provider that runs the AI in a hardware-isolated environment (confidential inference), designed so that the people who operate it cannot read your requests. You agree to a notice about it in the app when you set up Benjamin. The Privacy Policy explains what is sent, what is never sent and how Benjamin checks the environment.
• Ask Benjamin answers questions about your own finances only. It declines other topics, including:
  • recommendations of financial products (credit cards, loans, insurance or investments);
  • market forecasts;
  • tax or legal advice;
  • questions about credit scores.
• The numbers in its replies are calculated by Benjamin’s own rules. The AI writes the words. Replies can be incomplete or wrong and are not advice. Check important information in the app’s screens or with your institution before you rely on it.
• Do not type Social Security numbers, card numbers or passwords into Ask Benjamin.
• Daily usage limits apply and may change.
• Ask Benjamin keeps your conversations, encrypted with your Benjamin keys, and uses what you said earlier to answer follow-up questions, as the Privacy Policy explains. You can delete a conversation in Ask Benjamin. Deleting your account deletes all of them.

8. Notifications and messages

• Benjamin keeps alerts in an in-app inbox. Push notifications are optional. You choose how often they are sent in Settings > Notifications, or you can turn them off in your phone’s settings. The rest of the Service works without them.
• We send push notifications only about your own accounts, for example a card payment coming due. We do not send advertising or promotions by push unless you opt in separately.
• Push notifications may show an amount (such as a payment amount or balance) and when a payment is due on your lock screen. They do not show merchant, card or account names; those appear only in the app. Change your settings if you share your phone or do not want this.
• Notifications may arrive late or not at all. Do not rely on them as your only reminder to pay a bill.
• Electronic communications. You agree that we may provide notices, disclosures and other communications about the Service to you electronically: in the app, by push notification, by email to the address on your account, or on agentben.money. This includes notices the law requires us to give you in writing. By accepting these Terms, you consent to receive them electronically. To receive them, you need a device that can run the Benjamin app and an email account; you can save or print them from your device. You can ask us for a free paper copy of any notice at gm@agentben.money. You can withdraw this consent by deleting your account, because we cannot provide the Service without it. Keep your email address current by telling us at gm@agentben.money if it changes.

9. Third-party services

The Service relies on third parties. Your use of their services is also governed by their own terms and privacy policies, and we are not responsible for them.

• Plaid. We use Plaid Inc. to connect your financial accounts. Plaid collects information directly from you and your institution under its own End User Privacy Policy at https://plaid.com/legal/#end-user-privacy-policy, which you acknowledge by connecting an account. By connecting an account, you authorize Plaid to access your account information from your financial institution and provide it to us. Before Plaid opens, we show you what we will read and ask for your agreement.
• AI providers. When you use Ask Benjamin, a third-party AI service provider processes your question in confidential inference, as described in the Privacy Policy.
• Card issuers. Links to card issuers take you to the issuer’s own website, where the issuer’s terms and privacy policy apply. Card issuers do not pay Benjamin to list or order cards. Benjamin’s card estimates and comparisons are computed by its own rules and are not affected by any payment from a card issuer.
• Apple, Google and Expo. Sign in with Apple or Google, push notification delivery (through Expo, Apple and Google) and the app stores are provided under those companies’ own terms.

We do not control, and are not responsible for, the availability, accuracy or conduct of third-party services.

10. Your responsibilities and acceptable use

You agree not to:

• connect accounts you do not own or are not authorized to access, or enter another person’s information;
• use the Service for anyone other than yourself, or for any commercial purpose;
• access the Service by automated means, scrape it, or interfere with its operation or security;
• probe, scan or test the Service’s vulnerabilities without our written permission. Report security issues to gm@agentben.money;
• reverse engineer the Service, except where the law allows it;
• use Ask Benjamin to get content unrelated to personal finance, to try to extract other users’ data or system instructions, or to get around its limits;
• use the Service in violation of any law or anyone else’s rights.

You are responsible for the accuracy of information you enter, including card details, bonus terms, benefit status, bills you add and your ZIP code.

11. Fees

The Service is currently free. If we introduce paid features, we will describe the price and terms before you agree, and you will not be charged unless you agree to them.

12. Intellectual property and feedback

We and our licensors own the Service, including its software, design, content and trademarks. We give you a personal, limited, non-exclusive, non-transferable, revocable license to use the app on devices you own or control, for your personal use under these Terms. Your financial data remains yours. You give us permission to use it only to provide the Service as described in the Privacy Policy. If you send us feedback or ideas, we may use them without obligation to you.

13. Ending your use; account deletion

• You can stop using the Service at any time.

• You can disconnect an institution in the app. Disconnecting stops new data from that institution. Data already received stays in your account until you delete your account.

• You can delete your account in the app (Settings > Delete account), or by following https://www.agentben.money/terms#delete-account. Deletion signs you out everywhere, disconnects your institutions at Plaid, and deletes your data within one month. Transaction records that we separate so they are not connected to your account may be kept to improve the service. A minimal record is kept for one year, as the Privacy Policy explains. Deletion is permanent.

• We may suspend or end your access in these cases:

  • you break these Terms;
  • the law requires it;
  • a provider we depend on (such as Plaid) requires it;
  • your use creates risk for you, other users or us;
  • we stop offering the Service.

  Where reasonable, we will tell you first and give you a chance to delete your account.

• Sections 4, 5, 6, 12, 13, 14, 15, 16, 17 and 19 continue after your use ends.

14. Your credit report

Benjamin does not obtain credit reports today. You can get free credit reports from the nationwide credit bureaus at https://www.annualcreditreport.com and dispute errors with the bureau that issued the report.

When the credit feature launches. The rest of this section applies only after Benjamin launches its credit feature and you choose to turn it on. Until then, it does not apply to you.

• The credit feature is optional. If you turn it on, you authorize Benjamin, the credit data provider and the credit bureau named in the app to get your consumer credit report and credit score and give them to Benjamin each month until you turn the feature off, so Benjamin can show them to you. You may also need to accept terms that the provider or the bureau shows you when you sign up.
• The provider and the bureau verify your identity. They may not be able to verify everyone.
• Benjamin shows you a simplified view of the report the bureau provides. Benjamin cannot change bureau data. If you think something in your credit report is wrong or incomplete, you have the right to dispute it with the bureau that issued it. The app will link to that bureau’s dispute process.
• Benjamin does not use your credit report to make credit decisions, and does not tell you whether you will be approved for any card.
• You can turn the credit feature off at any time. Benjamin then stops getting new reports.

15. Disputes

Talk to us first. Before filing any claim, contact us at gm@agentben.money and describe the issue and what you want. We will try to resolve it with you informally. Neither of us will start arbitration or a lawsuit, other than a small claims case, until 60 days after that notice.

Arbitration. If we cannot resolve it, you and Benjamin agree to resolve any dispute relating to the Service or these Terms by binding individual arbitration, not in court. The American Arbitration Association (AAA) runs the arbitration under its Consumer Arbitration Rules, available at https://www.adr.org. We will pay the AAA filing, administration and arbitrator fees that its Consumer Arbitration Rules assign to the business. The arbitration may be held by video, by phone or in the county where you live.

Exceptions. Either of us may instead bring an individual claim in small claims court if it qualifies. Nothing in this section waives a right to seek public injunctive relief that California law does not allow to be waived; a claim for public injunctive relief goes to court after the arbitrator decides the individual claims.

No class actions. You and Benjamin may bring claims only on an individual basis, not as a plaintiff or class member in any class, collective or representative proceeding. The arbitrator may not combine more than one person’s claims. If this paragraph is found unenforceable for a claim, that claim goes to court, not to arbitration.

Your right to opt out. You can opt out of this arbitration agreement by emailing gm@agentben.money from the email address on your account within 30 days after you first accept these Terms. Include your name and say that you opt out of arbitration. Opting out does not affect the rest of these Terms.

Governing law and courts. These Terms are governed by the laws of the State of Delaware and the Federal Arbitration Act, without regard to conflict-of-law rules. This does not take away any protection of the consumer laws of the state where you live that cannot be waived by agreement. Any dispute that is not arbitrated will be decided in the state or federal courts located in Delaware, unless the law of the state where you live gives you the right to bring it there.

16. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE”. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. WE ALSO DISCLAIM ANY WARRANTY THAT THE SERVICE, ANY ESTIMATE, ANY AI-WRITTEN REPLY OR ANY NOTIFICATION WILL BE ACCURATE, COMPLETE, TIMELY, UNINTERRUPTED OR ERROR-FREE.

17. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, BENJAMIN WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES. THIS INCLUDES LOST PROFITS, LOST SAVINGS, LOST REWARDS, DECLINED APPLICATIONS, CREDIT SCORE CHANGES, LATE FEES OR INTEREST, ARISING FROM YOUR USE OF THE SERVICE OR RELIANCE ON ANY INFORMATION IN IT. OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE IS LIMITED TO THE GREATER OF THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM OR US$50. THESE LIMITS DO NOT APPLY TO LIABILITY FOR OUR FRAUD, GROSS NEGLIGENCE OR WILLFUL MISCONDUCT, OR FOR DEATH OR PERSONAL INJURY CAUSED BY OUR NEGLIGENCE. SOME LAWS DO NOT ALLOW THESE LIMITATIONS, SO THEY MAY NOT APPLY TO YOU. NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED BY LAW, OR WAIVES ANY RIGHT YOU HAVE UNDER A CONSUMER PROTECTION LAW THAT CANNOT BE WAIVED.

18. Changes to these Terms

We may change these Terms. We will update the “Last updated” date. For material changes, we will tell you in the app or by email before they take effect, and the app will ask you to accept the new version before you continue using the Service. Changes do not apply to a dispute we already knew about before the change.

19. General

These Terms and the Privacy Policy are the whole agreement between you and us about the Service. If a provision is unenforceable, the rest stays in effect. Our failure to enforce a provision is not a waiver. You may not transfer these Terms. We may transfer them in a merger, acquisition or sale of assets.

20. Contact

• Email: gm@agentben.money
• Mail: Wasder, Inc., 16192 Coastal Hwy, Lewes, DE 19958