By downloading, installing, or using the Bili mobile application ("App"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, do not use the App.
Bili is a mobile application developed by Bili Finance, LLC that helps users understand the opportunity cost of purchases by calculating what money could potentially be worth if invested instead of spent. The App:
The calculations and information provided by this App are for educational purposes only and do not constitute financial, investment, or professional advice. You should consult with qualified financial advisors before making any investment decisions.
We make no representations or warranties about the accuracy of calculations, market projections, or investment outcomes. Users acknowledge that:
You agree to use the App only for lawful purposes and in accordance with these Terms. You are responsible for:
You may not:
The App stores your transaction data locally on your device. We do not collect, transmit, or store your personal financial information on our servers.
We may collect anonymous usage analytics to improve the App, but this does not include your personal financial data or transaction details.
The App, including its design, functionality, and content, is owned by Bili Finance, LLC and is protected by copyright and other intellectual property laws. You receive a limited, non-exclusive license to use the App for personal purposes only.
The App is provided "as is" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
To the maximum extent permitted by law, Bili Finance, LLC and its subsidiaries shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or investment losses, arising from your use of the App.
Our total liability to you for any damages arising from or related to these Terms or the App shall not exceed the amount you paid for the App (if any).
You agree to indemnify and hold harmless Bili Finance, LLC, its subsidiaries, and the App developers from any claims, damages, or expenses arising from your use of the App or violation of these Terms.
We may update the App from time to time to improve functionality, fix bugs, or add features. Updates may be required for continued use.
We reserve the right to modify these Terms at any time. Changes will be effective upon posting. Continued use of the App constitutes acceptance of modified Terms.
These Terms remain in effect until terminated. You may terminate by deleting the App. We may terminate your access if you violate these Terms. Upon termination, you must cease all use of the App.
These Terms are governed by the laws of [YOUR JURISDICTION] without regard to conflict of law principles. Any disputes shall be resolved in the courts of [YOUR JURISDICTION].
All content, calculations, tools, and materials provided by Bili—including but not limited to opportunity-cost calculations, spending insights, market-related illustrations, and any blog or educational content—are for general educational and informational purposes only. They are not tailored to your personal financial situation, risk tolerance, investment objectives, or tax circumstances. They do not constitute and should not be construed as:
Use of Bili’s services does not create a fiduciary, advisory, or client relationship between you and Bili Finance, LLC. We do not act as your investment adviser, financial planner, or in any advisory capacity. You are solely responsible for evaluating any information and making your own financial and investment decisions.
Any references to historical returns, back-tested performance, or hypothetical or illustrative results (including S&P 500 or other indices) are for educational illustration only. Past performance does not guarantee future results. Actual investment returns will vary and may be lower or negative. Investing involves risk, including the risk of loss of principal. We make no representation or warranty that any strategy or outcome will be achieved.
You should consult your own qualified financial, tax, legal, or other professional advisers before making any financial or investment decision. Do not rely on Bili’s content or tools as a substitute for professional advice tailored to your situation.
To the extent any content may discuss or reference securities, markets, or investment products:
Bili’s website may include a blog or other articles (“Blog Content”). The following terms apply to that content.
Blog Content may be generated in whole or in part using artificial intelligence (AI) tools. Such content is reviewed for general quality and appropriateness but may contain errors, omissions, or outdated information. Bili does not guarantee the accuracy, completeness, or timeliness of Blog Content.
Blog Content is provided for general education and entertainment only. It does not constitute financial, investment, tax, or legal advice. Do not rely on Blog Content when making financial or investment decisions. Always consider your own circumstances and consult a qualified professional when appropriate.
Any mention of third-party products, services, or websites in Blog Content is for informational purposes only and does not constitute an endorsement by Bili Finance, LLC.
We may add, remove, or modify Blog Content at any time without notice. We do not guarantee that any particular topic or post will remain available.
Bili is designed with privacy as a core principle. We collect minimal information:
Bili may use third-party services for:
These services only receive anonymous, non-personal information and are bound by their own privacy policies.
Bili is not directed at children under 13. We do not knowingly collect personal information from children under 13. If we become aware that a child under 13 has provided us with personal information, we will delete such information immediately.
Since all personal data is stored locally on your device:
We may update this Privacy Policy from time to time. Changes will be posted on this page with an updated "Last Updated" date. Continued use of the app after changes constitutes acceptance of the updated policy.
For privacy-related questions, contact us through the "?" icon on our website at https://heybili.com.
If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.
These Terms constitute the entire agreement between you and us regarding the App and supersede all prior agreements or understandings.
If you have questions about these Terms, please contact us:
Company: Bili Finance, LLC
Website: https://heybili.com
Support: Contact Support
Remember: This app is an educational tool. Always consult with qualified financial professionals before making investment decisions.