Plaid makes no promises that its services will work properly, be available when you need them, or be secure from technical problems, and you use the services at your own risk.
This analysis describes what Plaid's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
Because Plaid mediates access to your financial accounts, service interruptions or errors could prevent you from accessing or connecting financial apps at critical times, and Plaid has disclaimed any warranty that the service will function as expected.
If Plaid experiences technical failures, data errors, or service outages that affect your ability to access connected financial applications or that result in incorrect financial data being transmitted, these terms disclaim any Plaid warranty or guarantee of service quality.
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THE SERVICES AND ALL CONTENT, MATERIALS, INFORMATION, SOFTWARE, PRODUCTS AND SERVICES PROVIDED THROUGH THE SERVICES ARE PROVIDED 'AS IS' AND 'AS AVAILABLE' WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.
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THE SERVICES ARE PROVIDED 'AS IS' AND 'AS AVAILABLE' WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. AI21 DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ...
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"THE SERVICES ARE PROVIDED ON AN 'AS IS' AND 'AS AVAILABLE' BASIS WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. PLAID DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.— Excerpt from Plaid's Plaid Terms of Use
(1) REGULATORY LANDSCAPE: Warranty disclaimers in consumer contracts engage state implied warranty laws (Uniform Commercial Code and state consumer protection statutes), which in some jurisdictions cannot be fully disclaimed for consumer transactions. The FTC Act Section 5 applies where warranty disclaimers may be deceptive or misleading in the context of consumer-facing financial technology services. (2) GOVERNANCE EXPOSURE: Low. As-is warranty disclaimers are standard across software and financial technology platform agreements. The specific disclaimer of security warranties (viruses, harmful components) is notable in a financial data context because it may affect expectations about the security of account credentials and financial data transmitted through Plaid's systems. (3) JURISDICTION FLAGS: Some states limit the enforceability of implied warranty disclaimers in consumer contracts, particularly under state consumer protection statutes. EU consumers retain implied quality and conformity guarantees under the EU Sale of Goods Directive and Consumer Rights Directive that cannot be disclaimed by contract. (4) CONTRACT AND VENDOR IMPLICATIONS: Enterprise and developer agreements with Plaid may include specific uptime or service level commitments that supersede this general disclaimer. Consumer-facing warranty disclaimers do not affect Plaid's obligations under separate SLA agreements with B2B customers. (5) COMPLIANCE CONSIDERATIONS: Organizations relying on Plaid for critical financial data infrastructure should not assume any service continuity guarantees from these terms and should assess their own business continuity and redundancy obligations independently of Plaid's commitments.
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Because Plaid mediates access to your financial accounts, service interruptions or errors could prevent you from accessing or connecting financial apps at critical times, and Plaid has disclaimed any warranty that the service will function as expected.
If Plaid experiences technical failures, data errors, or service outages that affect your ability to access connected financial applications or that result in incorrect financial data being transmitted, these terms disclaim any Plaid warranty or guarantee of service quality.
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