Terms of Service

Last Updated: February 2025

1. Acceptance of Terms

By accessing or using Gimble ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.

2. Description of Service

Gimble is a healthcare savings application that helps you track healthcare spending, manage receipts for HSA reimbursement, and invest your HSA funds. For employers, Gimble provides tools to compare and manage employee health benefits, including ICHRA (Individual Coverage Health Reimbursement Arrangement) administration.

The Service integrates with third-party providers to access your financial and insurance information.

3. User Authentication and Authorization

To use the Service, you must create an account and may connect your accounts through our integration partners. By connecting, you authorize Gimble to access specific information on your behalf, including:

• Credit card transaction history (via Plaid)
• Explanation of benefits and claims data (via Flexpa)
• HSA account information (via our HSA management partner)
• Payroll and employee data (via Finch, for employer accounts)

You may revoke this authorization at any time through the Service settings or directly through our integration partners.

4. Privacy and Data Protection

Your privacy is important to us. Gimble:

• Only accesses data that you explicitly authorize
• Stores your data securely on Convex.dev with daily automated backups
• Uses secure, encrypted connections for all data transmission
• Does not sell or share your personal information with third parties for marketing purposes
• Allows you to delete your data at any time from within the app

Financial and healthcare data is retained for up to 7 years for tax compliance purposes. For more information, please review our Privacy Policy.

5. Financial and Tax Disclaimer

Gimble is a financial tool only and is NOT intended to provide tax, legal, or investment advice. The information displayed is provided for your convenience and to help you manage your healthcare savings.

Always consult with qualified tax, legal, and financial professionals regarding your specific situation. Do not make financial decisions based solely on information viewed through this Service. HSA contribution limits, qualified medical expenses, and tax implications are governed by IRS rules which may change.

6. Investment Risks

Investments in securities involve risk, including possible loss of principal. Past performance is not indicative of future results. HSA investment funds are not FDIC insured, are not bank guaranteed, and may lose value. You should carefully consider your investment objectives, risks, and fees before investing.

7. Insurance Information Disclaimer

Insurance quotes and comparisons provided through the Service are for informational purposes only. Actual premiums, benefits, and coverage terms are determined by insurance carriers and may differ from estimates shown. We do not guarantee the accuracy, completeness, or availability of any insurance product.

8. Accuracy of Information

While we strive to display accurate information from our integration partners, Gimble does not guarantee the accuracy, completeness, or timeliness of any information displayed. If you notice any discrepancies, please contact us or your financial institution directly.

9. User Responsibilities

You agree to:

• Provide accurate authentication credentials
• Maintain the confidentiality of your login information
• Use the Service only for lawful purposes
• Not attempt to access other users' information
• Notify us immediately of any unauthorized use of your account
• Verify that expenses are qualified medical expenses before claiming HSA reimbursement

10. Employer Responsibilities

If you are using Gimble as an employer to manage employee benefits, you additionally agree to:

• Ensure you have proper authorization to submit employee data
• Maintain accurate employee census information
• Comply with all applicable employment and benefits laws
• Notify employees about the use of their data in accordance with applicable privacy laws

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, GIMBLE AND ITS OPERATORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, INVESTMENT LOSSES, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• Your use or inability to use the Service
• Any errors or omissions in the content displayed
• Unauthorized access to or alteration of your data
• Any third-party conduct on the Service
• Investment decisions made based on information in the Service
• Tax consequences of HSA contributions or distributions
• Decisions made based on insurance quotes or comparisons

12. Service Availability

We do not guarantee that the Service will be available at all times. We may suspend or discontinue the Service at any time without notice. We are not liable for any interruption or cessation of the Service.

13. Modifications to Terms

We reserve the right to modify these Terms of Service at any time. Changes will be effective immediately upon posting. Your continued use of the Service after changes constitutes acceptance of the modified terms.

14. Termination

We may terminate or suspend your access to the Service at any time, without prior notice, for any reason, including breach of these Terms.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to conflict of law principles.

16. Contact Information

If you have questions about these Terms of Service, please contact us at:

Email: support@gimble.us