These terms are the agreement between you and Lawford Limited Holdings LC LLC, which operates Solvent. They cover who may join, what the verified figure on your profile means, how subscriptions work, and what happens when things go wrong. Sections 11 and 12 limit our liability and require most disputes to go to arbitration — please read them.
By creating an account or using Solvent you agree to these terms and to our Privacy Policy. If you don't agree, don't use the service. If you're accepting on behalf of someone else, you may not — accounts are personal.
One account per person. Use your real name and current photos of yourself, keep your login credentials to yourself, and tell us promptly if you think someone else has access. You're responsible for activity under your account. Solvent may be invitation-only or waitlisted at our discretion, and admission is never guaranteed by any financial figure.
Solvent's core feature is a verified financial summary derived from a read-only bank connection provided by Plaid Inc. By connecting an account you authorise Solvent to receive the data scopes listed in our Privacy Policy, and to compute and publish the derived values described there.
Solvent is a social product. We are not a bank, lender, broker-dealer, investment adviser, credit-reporting agency, or money transmitter. Nothing in the app is financial, investment, tax, or legal advice, and nothing we show is a credit decision or a representation about anyone's creditworthiness. Do not rely on another member's displayed figure when making any financial decision.
Nothing produced by Solvent is a consumer report, an investigative consumer report, or a credit score. We do not obtain credit-bureau files and we do not furnish information to any credit bureau. Solvent is not, and does not act as, a consumer reporting agency.
Solvent shows financial information. That raises the stakes on conduct, so we enforce these strictly. The first is absolute and we enforce it hardest.
Breaching this section ends your account immediately and may be reported to the appropriate authorities.
You keep ownership of your photos, prompts, and messages. You grant Solvent a non-exclusive, worldwide, royalty-free licence to host, store, reproduce, and display that content solely to operate and improve the service. The licence ends when you delete the content or your account, except for copies retained under the retention schedule in our Privacy Policy. We will not use your photos in advertising without your separate written permission. Do not upload content you do not have the right to upload.
We verify a financial figure. We do not conduct criminal background checks, and verification says nothing about whether a person is safe, honest, or suitable. You are solely responsible for your interactions. Meet in public, tell someone where you're going, and never send money to someone you met here. Report concerns to support@solvent.black; in an emergency contact local authorities first.
You may delete your account at any time from Settings. We may suspend or terminate an account for breach of these terms, suspected fraud or manipulation of a verified figure, risk to other members, or where required by law. Where it is safe and lawful to do so we tell you why and give you a route to appeal at support@solvent.black. Termination does not entitle you to a refund of an unused subscription period except where local law requires one.
The service is provided "as is" and "as available". To the fullest extent permitted by law we disclaim all implied warranties, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that derived financial figures are accurate, complete, or current, that bank connections will remain live, or that the service will be uninterrupted or error-free.
To the fullest extent permitted by law, Lawford Limited Holdings LC LLC and its officers, employees, and suppliers are not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost data, or loss of goodwill. Our total liability for any claim relating to the service is limited to the greater of the amount you paid us in the 12 months before the claim, or one hundred US dollars. Some jurisdictions do not allow these limits; where that is so, they apply only to the extent permitted, and nothing here limits liability for fraud, gross negligence, death, or personal injury caused by our negligence. If you are a consumer, you keep the statutory rights your local law gives you.
You will indemnify us against claims, losses, and costs arising from your breach of these terms, your misuse of another member's information, or your conduct toward another member.
Contact us first: most problems are solved by writing to legal@solvent.black, and we ask for 30 days to resolve a dispute informally. If that fails, you and Solvent agree that disputes will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, and not in court. Any in-person hearing will be held in the county where you live, or by telephone or videoconference at your election.
Either party may instead bring an individual claim in small-claims court, and either party may seek injunctive relief in court for misuse of intellectual property or for a breach of section 7.
No class actions. Claims must be brought individually, not as a class, consolidated, or representative action. Opt out: you may reject this arbitration agreement within 30 days of first accepting these terms by emailing legal@solvent.black with your account email and the words "arbitration opt-out". Opting out does not affect any other part of these terms. Nothing here waives any right you have under mandatory local consumer law.
We may update these terms. For material changes — including any change to what is published about you — we give at least 14 days' notice in the app and by email, and the effective date at the top of this page always reflects the current version. If you keep using Solvent after a change takes effect you accept it; if you don't, delete your account before then.
These terms and our Privacy Policy are the entire agreement between us. They are governed by the laws of the State of Wyoming, without regard to conflict-of-laws rules — except that if you are a consumer resident elsewhere you keep the protection of the mandatory local law that applies to you. If a provision is unenforceable, the rest stays in force. We may assign these terms in connection with a merger or sale of assets; you may not assign them. Our failure to enforce a provision is not a waiver of it. Apple is not a party to these terms and has no obligation to provide support for the app.