Terms of service
These terms govern your use of tovifinance.com and the Tovi application, operated by GenesisX Group LLC, a Delaware limited liability company with registered address at 10001 Lewes Road, Wilmington, DE 19709, United States.
1. What Tovi does
You connect a bank account. Tovi reads up to 24 months of transaction history, identifies payments that recur — rent, utilities, insurance, phone, internet, childcare and similar — and shows you what it found, along with a Tovi Reliability score summarising how consistently you meet those obligations. Where a category is eligible and you have approved that specific obligation, Tovi may furnish the positive payment history for it to a consumer reporting agency.
As of the date above, no furnishing arrangement is live. Nothing has been sent to any consumer reporting agency, and nothing will be until one exists and you have approved it.
2. What Tovi is not
- Not a bank, and not a money transmitter. Tovi cannot move money.
- Not a consumer reporting agency.
- Not a credit-repair organisation. Tovi does not offer to remove accurate information from anyone's credit report, and would not be able to.
- Not a lender, and nothing on this site is an offer of credit.
- Tovi Reliability is not a FICO score or a consumer credit score, is not sold, and is not used by any lender to decide anything about you.
3. No promise about your credit score
Whether reported history changes a score depends on your existing credit file, what is eligible for reporting, which bureau receives it, and which scoring model a lender uses. Some people will see an increase; some will see no change. Tovi does not promise a particular outcome, and anyone who does should be treated with suspicion.
4. Eligibility
You must be 18 or older and resident in the United States. You must own the account you connect and have the right to authorise access to it. One person, one profile.
5. Your account, and what it is not
Tovi has no password. Connecting an account creates a session that lives in the browser on the device you used, and that session is what identifies you when you come back. Keep the device to yourself; use “sign out on this device” if you lend it to someone.
There is no account recovery, because there is no credential for us to reset. If you lose the device or clear its storage you connect again, which rebuilds the same history from the same bank.
6. What Tovi may and may not report
Detection is not reporting. Tovi may furnish information about an obligation only where all of the following are true: Tovi has marked it verified, its category is one the receiving agency accepts, and you have specifically approved it. Approvals start off, are made one obligation at a time, and can be withdrawn at any time from the history screen, taking effect immediately.
Information already furnished before you withdrew approval cannot be unsent; we will notify the receiving agency of the withdrawal. Tovi furnishes positive payment history and does not report missed payments, defaults or other derogatory information.
Knowingly approving information you know to be inaccurate is a breach of these terms.
7. Accuracy, and your part in it
Tovi derives obligations from bank data, which is imperfect: the name of a payee is not proof of what an obligation was, and Tovi says so rather than pretending otherwise. Review what Tovi found before approving anything, and tell us at max@genesisglobal.group if something is wrong. We will correct it, and where information has been furnished we will investigate and correct it downstream.
8. Fees
[STATE THE PRICING, OR SAY THAT THE SERVICE IS FREE AND HOW IT IS FUNDED. If any charge is recurring, this section must say the amount, the interval, and how to cancel.]
9. Acceptable use
Do not connect an account you do not own, submit information you know to be false, attempt to access another person's data, interfere with the service or its providers, or use Tovi to do anything unlawful.
10. Ending it
You can disconnect your bank at any time in the app, and ask us to delete your profile at any time by email. We may suspend or end access where we reasonably believe the service is being used fraudulently or unlawfully, and will say why where we are permitted to.
11. Third-party services
Bank connectivity is provided by Plaid Inc. under its own terms and privacy policy, presented to you during the connection. Tovi is not responsible for the acts or omissions of your financial institution.
12. Disclaimers and liability
[STANDARD DISCLAIMER AND LIMITATION OF LIABILITY, DRAFTED BY COUNSEL, WITH THE CARVE-OUTS REQUIRED IN THE STATES WHERE TOVI OPERATES. It must not purport to limit anything that cannot lawfully be limited.]
13. Disputes and governing law
[GOVERNING LAW, VENUE, AND ANY ARBITRATION TERMS — INCLUDING AN OPT-OUT IF ONE IS OFFERED, AND HOW TO EXERCISE IT.]
14. Changes
If these terms change materially we will tell you before the change applies to you, and update the version number above.
15. Contact
GenesisX Group LLC, 10001 Lewes Road, Wilmington, DE 19709, United States. max@genesisglobal.group · +1 412 313 1314.