The fine print

Disclosures, in plain English.

The required legal statements about what Duo is, who holds your money, and the limits of what we do. Short, honest, and each with a one-line translation.

Last updated June 4, 2026 · Washington, DC
The one-liner: Duo is software that helps two people manage money they already hold at their own banks. We are not a bank, we don’t hold deposits, and nothing here is financial, tax, or legal advice.
01

Duo is not a bank

Duo Finance is a financial technology company, not a bank or a money transmitter. We provide software that reads and organizes accounts you already hold elsewhere. We don’t take deposits, issue accounts, or lend money.

What this means
We’re an app on top of your bank, not a place your money lives.
02

Where your money is held

Your funds stay in deposit accounts at your own bank or, where applicable, a partner financial institution. Any FDIC insurance is provided by that chartered institution, subject to its terms and limits, not by Duo. Duo itself is not FDIC-insured.

What this means
Your bank insures and holds your cash. Duo just shows it to both of you clearly.
03

How bank connections work

Account connections are powered by Plaid, and transaction details are enriched by triq.ai. We access your data only with your permission and only to provide the service. Connecting or disconnecting Duo never changes your underlying bank account.

What this means
Plaid is the secure pipe to your bank. Unplug any time; your account is untouched.
04

Not financial, tax, or legal advice

Everything in Duo — budgets, recaps, forecasts, suggested splits, and even-up amounts — is for informational and budgeting purposes only. It is not a recommendation, and it is not tax, legal, accounting, or investment advice. For those, talk to a qualified professional.

What this means
Duo helps you plan; it doesn’t advise. Big decisions deserve a real professional.
05

AI limitations

Duo AI generates summaries and forecasts that can be inaccurate or incomplete. Predictions are estimates based on past activity, not guarantees of future results. Always confirm figures before acting on them.

What this means
Treat AI insights as a helpful draft, not gospel. Double-check before you act.
06

Splits & transfers

Funding splits (50/50, 60/40, custom) are budgeting targets you choose; they have no legal effect on ownership of funds. “Even-up” simply initiates a transfer between accounts you’ve linked, and only after a person confirms it. Transfer timing and limits are set by your bank and our payment partners.

What this means
A split is a goal, not a contract. Money only moves when one of you taps confirm.
07

Beta features & the APIBeta

Our headless API and agent (MCP) access are in beta and may change, break, or be limited. Access is scoped and revocable, and money movement always requires human confirmation. Don’t rely on beta features for anything mission-critical yet.

What this means
Beta is for building and experimenting. A human still signs off on every transfer.
08

Trademarks & third parties

Bank and card logos shown across Duo (Chase, Bank of America, Visa, and others) are the property of their respective owners and appear only to indicate compatibility via Plaid. Their use does not imply endorsement or partnership.

What this means
Those logos mean “Duo works with them,” not that they sponsor us.

Need a formal copy?

We'll send the full disclosures and partner details on request.

Email legal@duofinance.ai