Terms, in plain English.

The basics

Duo Finance is an app that sits on top of your own bank account and helps two people run their money together. We connect to your bank through Plaid; we read your transactions and help you plan. We are not a bank and we don’t hold your money.

Your shared account

Duo is built for two people sharing one account. Both partners get an equal, full view — balances, transactions, budgets, and trips are visible to both of you. Either of you can take actions like categorizing a transaction or starting a trip.

• Shared by default. Spending on the joint card is shared — there’s no per-person “who paid”.
• If you part ways. Either partner can request to separate the account; we’ll walk you both through disconnecting and exporting your data.

Splits & even-up

Duo can track a funding split you choose — 50/50, 60/40, income-based, or fully custom — by attributing each deposit to one of you. When your funding drifts from the target you set, Duo can suggest an “even-up” transfer between your accounts.

• You set the target. Duo only tracks toward the split you picked, and you can change it any time.
• Even-up is optional. A suggested transfer never happens until one of you confirms it.
• Not financial advice. Splits are a budgeting tool, not tax, legal, or investment advice.

Duo AI

Duo AI reads your shared figures to write summaries, spot anomalies, and forecast goals. It’s genuinely helpful — and, like all AI, it can be wrong or incomplete. Its insights are suggestions, not instructions.

• You stay in control. Nothing Duo AI suggests (a cap, a transfer, a budget change) takes effect until you approve it.
• Don’t treat it as advice. For tax, legal, or investment decisions, talk to a qualified human.

Headless & agentsBeta

Duo offers a headless API and agent-friendly access so you can plug Duo into your own tools — or let an AI agent read your budgets and propose actions on your behalf. This is in beta and the terms here apply to it.

• You authorize the scope. Every token and every agent gets only the permissions you grant, and you can revoke access at any time.
• You’re responsible for what you connect. If you authorize an agent to act, actions it takes within its scope are treated as yours.
• Human-in-the-loop for money moves. Agents can propose an even-up or a cap; a person still confirms anything that moves money.

Moving money

When you confirm a transfer (like an even-up), the actual movement happens through your bank and our payment partners. Timing and limits follow their rules. We’ll always show you the amount and the accounts before anything moves.

Your part of the deal

• Keep your access safe. Use the passkey/biometric and 2FA we provide; don’t share your login.
• Be accurate. Give us correct information and use Duo for your own lawful, personal finances.
• Play nice with the API. Don’t abuse rate limits or use access you weren’t granted.

Leaving & your data

You can cancel any time. When you do, you can export your data and ask us to delete it. Disconnecting Duo doesn’t touch your bank account — it just unplugs us from it. Details live in our Privacy page.

The legal bits

Duo is provided “as is”. To the extent the law allows, we’re not liable for indirect losses, and our total liability is limited. We may update these terms; if a change is material, we’ll tell you in the app before it takes effect. These terms are governed by the laws of Washington, DC.