Terms for using Sem.

Sem helps users understand connected debt information, compare payoff scenarios, and plan for healthier financial progress.

Last updated: May 27, 2026

These Terms of Use describe the rules for using Sem, owned by Mark Mendoza and associated with Layered Co. These terms should be reviewed before launch and are not a substitute for legal advice.

1. Acceptance of Terms

By accessing or using Sem, you agree to these Terms of Use and our Privacy Policy. If you do not agree, do not use Sem.

2. Sem Is Not Financial Advice

Sem provides informational tools for debt clarity, payoff projections, and financial goal planning. Sem does not provide financial, legal, tax, credit, or investment advice. Payoff projections are estimates and may differ from actual outcomes based on interest changes, lender behavior, fees, missed payments, or other factors.

3. Your Account

You are responsible for maintaining access to your account, keeping your credentials secure, and providing accurate information. You must not use Sem in a way that violates laws, third-party rights, or platform rules.

4. Connected Financial Accounts

Sem uses Plaid to help connect supported financial institutions and retrieve account or liability information. You authorize Sem and its service providers to access and process information needed to provide connected debt and payoff features.

5. Beta and Availability

Sem may be offered as a beta, preview, unpublished, or limited-release product while the rebuilt experience is being developed. Features may change, break, be delayed, or be removed as the app evolves.

6. User Data

Sem uses cloud services including Firebase Authentication, Firebase Cloud Functions, and Firestore. For more information about how data is handled, review our Privacy Policy.

7. Third-Party Services

Sem depends on third-party services such as Plaid, Firebase/Google Cloud, Apple, Google Play, and optional diagnostics providers. We are not responsible for third-party services, outages, policies, or data practices.

8. Limitation of Liability

To the fullest extent permitted by law, Sem and its owner are not liable for indirect, incidental, consequential, special, or exemplary damages arising from your use of the app, including financial decisions made based on app content or projections.

9. Changes to These Terms

We may update these Terms from time to time. Updates will be posted on this page with a revised last updated date. Continued use of Sem after updates means you accept the revised Terms.

10. Contact Us

For questions about these Terms, contact mendoza.mark007@gmail.com.