Legal
Last updated: February 2026 · Seal Financial Technologies, LLC (Ohio).
By accessing or using Seal ("the Service"), you agree to be bound by these Terms of Service. If you do not agree, please do not use the Service. These terms apply to all users, including those who browse, register, or contribute to savings envelopes.
Seal is a financial technology platform that enables users to create time-locked savings envelopes individually or as part of group savings pacts ("Group Pacts"). Seal is not a bank. We plan to hold customer funds with regulated financial partners and will disclose all custody arrangements and any applicable insurance details in-app before deposits are enabled.
You must be at least 18 years of age and a resident of the United States to use Seal. By using the Service, you represent and warrant that you meet these requirements.
Seal charges a 3.5% Commitment Fee on early withdrawals (Unsealing before the designated unlock date). The Commitment Fee is tier‑capped based on envelope balance (max $150 per envelope) and is deducted from your payout. There are no fees for on‑time withdrawals. See our full Fee Schedule for details.
Seal is not a bank. We plan to hold customer funds with regulated financial partners. Full custody arrangements and any applicable deposit insurance details will be disclosed in-app before deposits are enabled. Seal is committed to transparency about how your funds are held and protected.
Group Pacts are limited to a maximum of 5 members. Early unsealing requires approval from 3 of 5 members within 48 hours (or 2 of 3, 3 of 4, etc.). No vote = no approval. In the current version, Group Pact early unseals are full-unseal only — individual members may not partially withdraw early. Each member is responsible for their own contribution. Seal is not liable for disputes between group members.
You may not use Seal for money laundering, fraud, or any illegal activity. Seal reserves the right to suspend or terminate accounts that violate these terms.
To the fullest extent permitted by law, Seal shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Service.
We reserve the right to modify these terms at any time. We will notify users of material changes via email or in-app notification. Continued use of the Service after changes constitutes acceptance.
For questions about these terms, contact us at legal@getseal.io.