Agreements

User Account Agreement

By creating a Seal account, you enter into a binding agreement with Seal Financial Technologies, LLC to use the Service in accordance with our Terms of Service. You agree to provide accurate, complete, and current information during registration and to keep your account credentials secure. You are solely responsible for all activity that occurs under your account.

Banking Services Agreement

Seal plans to partner with regulated financial partners to provide custodial banking services. By depositing funds into a Seal envelope, you acknowledge that:

• Seal is a financial technology company, not a bank.
• We plan to hold customer funds with regulated financial partners.
• Custody arrangements and any applicable deposit insurance details will be disclosed in-app before deposits are enabled.
• Our partner bank's own terms and conditions will also apply to the custody of your funds.

Envelope Agreement

When you create a Seal envelope, you are entering into a commitment to keep your funds locked until the designated unlock date. You acknowledge that early withdrawal ("Unsealing") is subject to a 3.5% Commitment Fee, tier-capped by envelope balance. You understand that this fee is a deliberate feature designed to protect the integrity of your savings commitment.

Group Pact Agreement

By joining a Group Pact, you agree to the collective terms set by the group, including the lock period and contribution amounts. Early unsealing requires majority approval within 48 hours (2 of 2, 2 of 3, 3 of 4, or 3 of 5). No vote = no approval. All participants are jointly responsible for maintaining the terms of their Pact. Seal is not liable for disputes between group members.

Affiliate Partner Disclosure (Planned)

Seal plans to offer affiliate partnerships with travel and booking platforms. If launched, accessing travel content through Seal will direct you to a third-party platform governed by its own terms and privacy policies. Seal may earn a commission on qualifying bookings. Any affiliate relationship will not affect the rates or deals available to you. Details will be disclosed before these features go live.

Electronic Communications Agreement

By creating an account, you consent to receive electronic communications from Seal, including account notifications, transaction confirmations, and promotional emails. You may opt out of promotional emails at any time. Transactional and account-related communications are required and cannot be opted out of while your account is active.

Dispute Resolution

Disputes are governed by the Governing Law & Dispute Resolution section of our Terms of Service.

Contact

For questions about these agreements, contact us at legal@getseal.io.