Fintech-Critical Provisions

Essential clauses for financial technology applications

Not Investment Advice Disclaimer

SEC Compliance

Explicitly state that content is for informational purposes only, not investment advice. Not a registered investment advisor. Past performance doesn't guarantee future results.

Banking Partner Disclosures

FDIC Requirements

If offering banking services, disclose partner bank, FDIC insurance status, and that you are not a bank. Include member FDIC notice where applicable.

Financial Data Security

Consumer Trust

Describe security measures for financial data (encryption, authentication). Address Plaid/data aggregator usage and bank credential handling.

Regulatory Disclosures

Compliance Required

Include required regulatory disclosures (state money transmitter licenses, broker-dealer registration, etc.) based on services offered.

Investment Risk Disclosures

Investor Protection

If offering investment features, disclose risks including potential loss of principal. Markets are volatile. Not suitable for all investors.

Fee Disclosures

Transparency

Clearly disclose all fees (transaction fees, account fees, overdraft fees, exchange rates for currency). No hidden charges.

Standard Legal Provisions

Essential clauses required in all Terms of Service

Agreement to Terms
Limitation of Liability
Arbitration Clause
App Store Compliance
Identity Verification
Governing Law
Prohibited Activities
Account Termination

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Mobile App Terms

General app compliance

SaaS Terms

Software service compliance

Subscription Terms

Premium tier compliance

Fitness Apps

Health data compliance

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