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Tovari Docs

Legal policies

Maintained by Jason Ewing, founder of Tovari · Published · How we write these docs

When does Tovari ask?

Section titled “When does Tovari ask?”

Tovari has three legal policies — the terms of use, the privacy policy and the cookie policy — and asks you to accept them twice in the life of an account: once when you first sign up, and again whenever one of them is updated.

You will not be asked at any other time, and you are not asked once per device.

Accepting once covers every device

Section titled “Accepting once covers every device”

Acceptance belongs to your account. Accept on the web and the mobile app already knows; accept in the app and the web app does too. Whichever you sign in to next lets you straight through.

Reading before accepting

Section titled “Reading before accepting”

The current text of each policy is available to read in full at the moment you are asked — you do not have to accept it to find out what it says, and you do not have to leave Tovari to read it. The same documents are linked from Tovari’s website.

Who the policies are from

Section titled “Who the policies are from”

Tovari is a product of Tovari Financial, which is the trading name of Ewing Technology Partners, LLC. You will see the product called “Tovari” in most places and “Tovari Financial” in others — both names mean the same product from the same company, and the policies say so in their own text. Accepting them is an agreement with that company, whichever of the two names brought you to it.

In Spanish

Section titled “In Spanish”

If you use Tovari in Spanish (see Choosing your language), the three policies are shown in Spanish when you are asked to accept them and when you open them to read. The Spanish text is a courtesy translation: each Spanish policy begins with a note saying so, and if the Spanish and English versions ever differ, the English version is the one that applies.

Accepting in either language counts. Switching language never asks you to accept again. The copies on Tovari’s website are in English.

Arbitration, and opting out of it

Section titled “Arbitration, and opting out of it”

The terms of use include an agreement to resolve disputes through individual arbitration rather than in court or as part of a class. You can opt out of it within 30 days of accepting — or, if you already had an account when it was added, within 30 days of accepting that update — by emailing support@tovarifinancial.com from the address on your account with “Arbitration Opt-Out” in the subject line. The terms of use set out the details.

Every acceptance screen — on the web, on a phone browser and in the mobile app — shows a one-line reminder of this just above the button you press to accept, so you know about the arbitration agreement and the option to opt out before you agree.

If you would rather not accept

Section titled “If you would rather not accept”

You can decline. Tovari does not delete anything, and it does not accept on your behalf — it simply cannot continue without acceptance. The screen you land on lets you go back and look again, or sign out.

Your data stays exactly as it is while you decide. If you sign back in later and accept, everything is where you left it.

You never have to accept in order to leave. Under Not planning to accept? on that same screen:

  • Export my data — on the web, this builds the same download of your household’s data that Settings does. In the mobile app, it points you to the web app: sign in there, decline again, and choose Export my data.
  • Delete my account — the same confirmation as in Settings. If you are the household admin, the household is deleted; if you are another member, your request is sent to your household admin.

You can also email privacy@tovarifinancial.com from the address on your account — you do not need to accept the policies first. See data and privacy for what export and deletion cover.

Being asked

Section titled “Being asked”

When there is something to accept, Tovari shows it after you sign in, over the app, naming each policy that needs your acceptance. Open any of them to read the full text in place, then accept.

Reading them at any other time

Section titled “Reading them at any other time”

The terms and the privacy policy are linked from Tovari’s website, so you can read the current version whenever you like without signing in.

Once you are signed in, Settings has a Legal block below its list of sections with links to all three policies — the privacy policy, the terms of use and the cookie policy. Each opens in a new tab, so nothing you were editing in Settings is lost.

On a phone browser

Section titled “On a phone browser”

A phone browser shows the mobile app’s step: open each policy’s full text with View, tick it, then Accept All & Continue.

On a phone browser, Settings has the same Legal block, below Payees, linking all three policies.
Section titled “Related pages”