Effective Date: September 2025
These Terms govern your use of Gabriel Money. By creating an account, you agree to them. Our services include subscription-based financial tools, credit bureau access, student loan aid, gamified education, and Prize program. Gabi AI provides educational insights only.
This User Agreement ('Agreement') is between you and Gabriel Money, Inc. ('Gabriel Money'), its subsidiaries and affiliates. By using our mobile app, website, or services, you agree to this Agreement.
We may amend these Terms and Conditions at any time by posting the revised Terms and Conditions on the Site and Application. Your continued use of the Site, Application or Services after we have posted revised Terms of and Conditions, signifies your acceptance of such revised Terms and Conditions. You can see when these Terms of and Conditions were last revised by referring to the “Updated” legend above. All revisions to the Terms of and Conditions are effective immediately when we post them on the Site and Application, and will apply to all access to, and use of, the Site and Application thereafter.
Please read the Gabriel Money Privacy Policy carefully for information relating to our collection, use, and disclosure of your personal information. By accessing or using the Services you agree to Gabriel Money’s Privacy Policy.
From time to time, Gabriel Money may automatically check the version of the Application installed on the Authorized Device and, if applicable, provide updates for the Gabriel Money Application (“Updates”). Updates may contain, without limitation, bug fixes, patches, enhanced functionality, plug-ins and new versions of the Gabriel Money Application. By installing the Application, you authorize the automatic download and installation of Updates and agree to download and install Updates manually if necessary. Your use of the Application and Updates will be governed by this Agreement (as amended by any terms and conditions that may be provided with Updates). Gabriel Money reserves the right to temporarily disable or permanently discontinue any and all functionality of the Application at any time without notice and with no liability to you.
You must be at least 18 years old, a U.S. resident, and legally able of entering into binding contracts to use our Services.
We provide:- Subscription-based membership access- Bank account linking via Plaid- Credit bureau reports, alerts, and score simulations via Array- Student Loan Aid enrollment (fee-based)- Personalized financial insights from Gabi , our AI agent (educational only, not financial/legal advice)- Gamified education and prizes (Amazon gift cards)Note: Our secured credit card product has been discontinued.
a. Account Creation. In order to use the Services, you must create an account (an “Account”) with Gabriel Money. You agree that the information you provide to Gabriel Money on registration and at all other times, will be true, accurate, current, and complete, and that you will keep this information accurate and up to date at all times. We also request that you create a password for your Account. You agree not to disclose your password to anyone else, and you also agree you will be solely responsible for any activities or actions taken under your Account, whether or not authorized by you. Please notify us immediately of any unauthorized use of your password or Account. We are not liable for any loss or damage caused by your failure to comply with these requirements.
b. Identity Verification. You hereby authorize Gabriel Money, directly or through third parties, to make any inquiries we consider necessary to validate your identity and/or authenticate your identity and Account information. This may include asking you for further information and/or documentation about your identity or requiring you to take steps to confirm ownership of your email address, wireless/cellular telephone number or financial instruments, and verifying your information against third party databases or through other sources.
Our services are subscription-based. By creating an account, you authorize recurring monthly charges until cancelled. You may cancel anytime in your account settings. Refunds are subject to our policy.
You agree to provide accurate and up-to-date information, keep credentials secure, use services lawfully, and not misuse or attempt to bypass system protections.
Our Student Loan Aid service, offered through Array, helps you identify and enroll in eligible federal income-driven repayment plans. Separate Fees apply. Eligibility is determined by federal agencies, not Gabriel Money.
Prizes are subject to our Sweepstakes Terms and Conditions. Prizes may be taxable, non-transferable, and subject to eligibility. Fraud may result in disqualification and account termination.
We do not provide financial, legal, or tax advice. We do not guarantee credit score improvement. Plaid, Array, and Amazon are independent third parties.
The Services, including our websites, may contain links to third-party websites. The linked sites are not under our control, and we are not responsible for the contents of any linked site. We provide these links as convenience only, and a link does not imply our endorsement of, sponsorship of, or affiliation with the linked site. You should make whatever investigation you feel necessary or appropriate before proceeding with any transaction with any of these third parties’ services or websites.
Gabriel Money does not claim ownership of the content that you provide, upload, submit or send through the Services or to Gabriel Money. You understand and agree that all materials transmitted on or through the Services are the sole responsibility of the sender, not Gabriel Money, and that you are responsible for all material you provide, upload, submit or send to or through the Services. When you provide content to Gabriel Money or through the Services, you grant Gabriel Money (and parties that we work with) a non-exclusive, irrevocable, royalty-free, transferable, and worldwide license to use your content and associated intellectual property and publicity rights in any manner and for any purpose, including to improve the Services and create other products and services. Gabriel Money will not compensate you for any of your content. You acknowledge that Gabriel Money’s use of your content will not infringe any intellectual property or publicity rights. Further, you acknowledge and warrant that you own or otherwise control all of the rights of the content you provide, and you agree to waive your moral rights and promise not to assert such rights against Gabriel Money.
If you choose to provide input and suggestions regarding problems with or proposed modifications or improvements to the Services (“Feedback”), then you hereby grant Gabriel Money an unrestricted, perpetual, irrevocable, non-exclusive, fully paid, royalty free right to exploit the Feedback in any manner and for any purpose, including to improve the Services and create other products and services.
We may suspend or terminate accounts for violations of these Terms or unlawful activity or misuse of Services. You may terminate by deleting your account and stopping use.
All content and technology in our services are owned by Gabriel Money and protected by law.
This Agreement is governed by Delaware law. Disputes will be resolved through binding arbitration in Atlanta, Georgia, unless prohibited by law. You may opt out of arbitration within 30 days of acceptance.
(a) Governing Law. Except as otherwise required by applicable law, the Agreement and the resolution of any Disputes shall be governed by and construed in accordance with the laws of the State of Delaware without regard to its conflict of laws principles. These laws will apply no matter where in the world you live, but if you live outside of the United States, you may be entitled to the protection of the mandatory consumer protection provisions of your local consumer protection law.
(b) Informal Dispute Resolution. We want to address your concerns without needing a formal legal case. Before filing a claim against Gabriel Money, you agree to try to resolve the Dispute informally by contacting support@gabriel.money. We will try to resolve the Dispute informally by contacting you through email. If a dispute is not resolved within 15 days after submission, you or Gabriel Money may bring a formal proceeding.
(c) We Both Agree To Arbitrate. You and Gabriel Money agree to resolve any Disputes through final and binding arbitration, except as set forth under Exceptions to Agreement to Arbitrate below.
(d) Opt-out of Agreement to Arbitrate. You can decline this agreement to arbitrate by contacting support@gabriel.money within 30 days of first accepting this Agreement and stating that you (include your first and last name) decline this arbitration agreement.
(e) Arbitration Procedures. The American Arbitration Association (AAA) will administer the arbitration under its Commercial Arbitration Rules and the Supplementary Procedures for Consumer Related Disputes then in effect. Arbitration will be handled by a sole arbitrator in accordance with those rules. The arbitration will be held in the United States county where you live or work, Atlanta, Georgia, or any other location we agree to.
(f) Arbitration Fees. The AAA rules will govern payment of all arbitration fees. If the value of your claim does not exceed $10,000, Gabriel Money will pay for the reasonable filing, administrative, and arbitrator fees associated with the arbitration, unless the arbitrator finds that either the substance of your claim or the relief sought was frivolous or brought for an improper purpose.
(g) Exceptions to Agreement to Arbitrate. Either you or Gabriel Money may assert claims, if they qualify, in small claims court in Atlanta, Georgia, or any United States county where you live or work. Either party may bring a lawsuit solely for injunctive relief to stop unauthorized use or abuse of the Services, or infringement of intellectual property rights (for example, trademark, trade secret, copyright or patent rights) without first engaging in arbitration or the informal dispute-resolution process described above.
(h) No Class Actions. You may only resolve Disputes with Gabriel Money on an individual basis, and may not bring a claim as a plaintiff or a class member in a class, consolidated, or representative action. Class arbitrations, class actions, private attorney general actions, and consolidation with other arbitrations are not allowed under our agreement.
(i) Judicial Forum for Disputes. Except as otherwise required by applicable law, in the event that the agreement to arbitrate is found not to apply to you or your claim, you and Gabriel Money agree that any judicial proceeding (other than small claims actions) will be brought in the federal or state courts of Fulton County, Georgia. Both you and Gabriel Money consent to venue and personal jurisdiction there. We both agree to waive our right to a jury trial.
(j) Limitation on Claims. Regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to this Agreement or the Services must be filed within one (1) year after such claim or cause of action arose, or else that claim or cause of action will be barred forever.
To the fullest extent permitted by law, you agree to indemnify, defend and hold Gabriel Money and all of its successors, parents, subsidiaries, affiliates, officers, directors, stockholders, investors, employees, agents, representatives and attorneys and their respective heirs, successors and assigns (collectively, the “Indemnified Parties”), harmless from and against any and all claims, liabilities, losses, damages, costs and expenses, including, without limitation, reasonable attorneys’ fees, incurred by the Indemnified Parties arising out of or relating to (i) your access to, use of or alleged use of the Services; (ii) your violation of this Agreement or any representation, warranty, or agreements referenced herein, or any applicable law or regulation; (iii) your violation of any third party right, including without limitation any intellectual property right, publicity, confidentiality, property or privacy right; or (iv) any disputes or issues between you and any third party. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, and in such case, you agree to cooperate with our defense of such claim. You shall cooperate as fully as reasonably required in the defense of any such claim. Gabriel Money reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by you. You agree not to settle any matter without the prior written consent of Gabriel Money.
Disclaimers; No Warranties
The services are provided “as is” and “as available”. Except as required by law, Gabriel Money disclaims all warranties and representations regarding the services of any kind, whether express, implied or statutory, including but not limited to any implied warranties of merchantability, accuracy, quiet enjoyment, non-infringement of third-party rights, freedom from viruses or other harmful code, fitness for any particular purpose, or any warranty arising out of course of dealing, usage or trade. Specifically, but without limitation, Gabriel Money does not warrant that: (1) the information provided in, or that may be obtained from use of, the services will meet your requirements or be correct, accurate, up-to-date, or reliable; (2) the services be uninterrupted or error-free; (3) the quality of any products, services, information or other material purchased by or obtained by you through the services will meet your expectations; or (4) any errors in the technology will be corrected. You assume all risks for all damage, including damage to your computer system, mobile device or loss of data that may result from your use of or access to the service. You hereby acknowledge that use of the services is at your sole risk. If you are a California resident, you hereby waive California civil code section 1542 which provides: “a general release does not extend to claims which the creditor does not know or suspect to exist in his favor at the time of executing the release, which if known by him must have materially affected his settlement with the debtor.”
To the fullest extent permitted, Gabriel Money is not liable for indirect, incidental, or consequential damages arising from use of services.
In the event of termination of this Agreement or the Services, the terms in this Agreement that by their nature are continuing shall survive such termination, including but not limited to the indemnification and hold harmless obligations, disclaimers and limitations of liabilities.
Contact us at support@gabriel.money, or mail 1190 North Highland Ave NE #8629, Atlanta, GA 30306.
