These Terms of Service (this “Agreement”) govern your access to and use of Lorica Core, a personal debt payoff automation service provided by Automate 100, LLC, a Washington limited liability company doing business as Lorica (“Lorica,” “we,” “us,” or “our”). By creating an account, activating any feature, or using Lorica Core in any way, you agree to be bound by this Agreement.
Please read this Agreement carefully. It contains important provisions including a limitation of liability, an indemnification obligation, and a binding arbitration clause with a class action waiver (Section 13). If you do not agree to these terms, do not use Lorica Core.
Relationship to other agreements. This Agreement is part of a suite of documents that together govern your use of Lorica Core. By accepting this Agreement, you also agree to the documents listed in Appendix A. You can request any of these documents at support@trylorica.com. If this Agreement conflicts with one of those documents, that document controls on its own subject matter.
To create an account and use Lorica Core, you must:
Lorica is not available in every state. We check your state at the start of sign-up and tell you if we cannot serve it. Lorica reserves the right to verify eligibility at any time and to suspend or terminate accounts that do not meet these requirements. By using Lorica Core, you represent and warrant that you meet all eligibility requirements.
Lorica Core is a personal debt payoff automation platform. Subject to your authorizations and this Agreement, Lorica Core will:
Lorica Core is not a bank, debt management company, credit counselor, or debt settlement service. Lorica explicitly does not:
Lorica Core is a subscription-based automation tool. You retain full control of your funds and can pause, modify, or cancel at any time.
| Plan | Price | Billed | Notes |
| Monthly | $39.00 / month | Monthly via Stripe | Cancel anytime; no lock-in |
| Annual | $374.40 / year ($31.20/mo) | Annually via Stripe | 20% savings vs. monthly; full refund within 30 days of purchase, none after (section 3.4) |
Prices do not include sales tax. Where sales tax applies, it is added at checkout and shown before you confirm. All subscription fees are billed in advance through Stripe. Lorica does not store your full payment card number or bank credentials. By subscribing, you authorize Stripe to charge your selected payment method on a recurring basis until you cancel.
Lorica Core does not currently offer a free trial period. All subscriptions begin with a paid billing cycle. Lorica may introduce a free trial or promotional period in the future, in which case the specific terms — including duration, features accessible, and auto-conversion mechanics — will be disclosed to you before you activate the trial.
Lorica reserves the right to change subscription pricing at any time. We will provide at least 30 days’ advance notice of any price increase by email to your registered address. Your continued use of Lorica Core after the effective date of a price change constitutes your acceptance of the new pricing. If you do not agree, you may cancel before the change takes effect.
Lorica does not charge per-transfer fees for Autopilot ACH draws, for creditor payments via Spinwheel, or for transfers you start yourself. Lorica absorbs Spinwheel payment processing costs. Lorica does not charge a fee when a transfer from your bank account is returned. Lorica does not charge for stop-payment requests, authorization revocations, error reports, or copies of your documents. The Consumer Fee Schedule lists every fee.
To use Lorica Core, you create an account with your email address. Each time you sign in, Lorica sends a one-time code to that address; Lorica Core does not use a password. You then complete identity verification through our identity verification provider (Plaid at launch). You agree to provide accurate, complete, and current information and to update it promptly if it changes.
You are responsible for maintaining the confidentiality of your sign-in methods and for all activity that occurs under your account. You agree to:
You can add a passkey or a phone number as another way to sign in in Settings > Security. Lorica will never ask for your Primary Account password, PIN, or full payment card number. If you receive such a request purportedly from Lorica, treat it as fraudulent and contact us immediately.
By providing your mobile number and opting in, you agree to receive one-time passcodes by text message from Lorica for account security. This agreement covers passcodes only; it does not cover marketing or promotional texts. If you choose to receive any other kind of text from Lorica, you agree to that separately and can opt out of each kind separately. Message frequency varies with your account activity. Message and data rates may apply. Reply STOP to opt out at any time, or HELP for help. Consent to receive these texts is not a condition of using Lorica or of making any purchase, and opting out does not affect your ability to use Lorica; other verification methods remain available. Lorica does not sell or share your mobile number or your opt-in with any third party or affiliate for their own marketing purposes. Our handling of your mobile number is described in our Privacy Policy.
Each person may maintain only one Lorica Core account. Creating multiple accounts, sharing accounts, or allowing others to use your account is prohibited and may result in termination of all associated accounts.
By using Lorica Core, you agree to:
You may not use Lorica Core to:
Violations of this section may result in immediate account suspension or termination and may be reported to appropriate authorities.
Before Autopilot is activated, you give the authorizations described in the Electronic Fund Transfer Disclosure and in the ACH Debit Authorization. Each is separate, and you can revoke each. No Autopilot draw or creditor payment is initiated without an active authorization.
During sign-up you accept five agreements: the E-Sign consent, these Terms, the Privacy Notice, the Electronic Fund Transfer Disclosure, and the ACH Debit Authorization. Lorica keeps a record of each acceptance. The Electronic Fund Transfer Disclosure lists every authorization, what it covers, and how to revoke it.
Revoking the ACH Debit Authorization stops all future Autopilot draws immediately. Revoking your creditor-payment authorization cancels scheduled payments that have not yet been funded from your Dedicated Account balance. Revocation does not reverse a transfer already initiated.
Each draw is the percentage you set, applied to each qualifying deposit that Lorica detects in the income sources you enable. Small amounts accumulate until they reach a minimum transfer amount, and then one ACH debit is initiated for the total. No more than one draw is initiated per day. You can change your percentage and your income sources at any time in Settings > Monthly contribution. A change applies to future deposits.
When you set or change your contribution, Lorica shows a Contribution Affordability Ratio (CAR) check: green is a comfortable level, yellow means you are stretching, and red is aggressive. The check is guidance. The choice is yours.
Income Protection Mode is off unless you turn it on in Settings. When it is on, Lorica can flag your plan for review if your deposits fall below 60% of your normal pace. It never stops your contribution on its own.
Lorica does not currently pause or reduce a draw because your Primary Account balance is low. You are responsible for keeping enough in your Primary Account to cover draws (section 5.1). Lorica may also alert you by email and in your dashboard when it projects that your Dedicated Account may not cover payments coming due. An alert is a courtesy, and Lorica is not responsible for late fees or other charges from your creditors (section 8).
Because draws are a percentage of qualifying deposits, they vary in amount. You can see every draw, and the deposit that produced it, in your dashboard. The Electronic Fund Transfer Disclosure explains how each amount is determined and what notice you receive.
You may pause, modify, or cancel Autopilot at any time through the dashboard and Settings.
Upon completing enrollment and identity verification, Lorica will open a Dedicated Account in your name at Legend Bank, Member FDIC, through Infinant (the bank’s fintech core provider). In the app it appears as your vault.
You can add money to your vault from your Primary Account, and withdraw money from your vault to your Primary Account, at any time in the app. Before a withdrawal that could leave too little to cover your creditors’ minimums this cycle, Lorica warns you and asks you to confirm. The warning does not stop you. Each transfer you start is a single-authorization transfer, described in the Electronic Fund Transfer Disclosure.
The bank holds your Dedicated Account. You can contact the bank directly to withdraw funds or close the account at any time.
If for 30 days after you cancel your subscription or complete your payoff plan there is no creditor payment scheduled from your Dedicated Account and you have not signed in or given Lorica any instruction about it, Lorica will start a transfer of the remaining balance to your Primary Account. We will email you before we start the transfer. When the balance reaches $0, Lorica will ask the bank to close the Dedicated Account. If the balance is already $0 at 30 days, we ask for closure then.
This return is one of the transfers you authorize in the ACH Debit Authorization. It does not happen while a hold or legal order applies to the account. You may withdraw your money yourself at any time before then. Lorica charges no fee for the return.
Creditor payments are executed by Spinwheel, a third-party payment processor. By authorizing creditor payments through Lorica Core, you understand and agree that:
The Lorica platform, including all software, algorithms, designs, text, graphics, user interface elements, and underlying technology, is the exclusive intellectual property of Automate 100, LLC and is protected by applicable copyright, trademark, patent, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable, revocable license to access and use Lorica Core solely for your personal consumer debt payoff purposes during the term of this Agreement. No other rights are granted.
You retain ownership of all personal data and financial information you provide to Lorica Core. By using the service, you grant Lorica a limited license to use your data solely to provide, maintain, and improve Lorica Core as described in the Privacy Policy. Lorica does not sell your data for advertising or third-party commercial purposes.
Important — please read. Lorica Core is a payment automation tool, not a financial advisor, credit counselor, debt management company, or debt settlement service. The following disclaimers are material terms of this Agreement.
Nothing in Lorica Core, including debt analysis, payoff plan recommendations, suitability assessments, or Autopilot configurations, constitutes financial, legal, tax, or investment advice. Payoff strategy recommendations (e.g., avalanche method) are mathematical calculations based on data you provide — they are not professional advice. You should consult a qualified financial professional before making significant financial decisions.
Lorica does not guarantee any specific debt payoff timeline, interest savings, credit score improvement, or financial outcome. Results depend on many factors outside Lorica’s control, including your income stability, creditor behavior, interest rate changes, and your adherence to your payoff plan.
Lorica Core is provided “as is” and “as available.” Lorica does not warrant that the service will be uninterrupted, error-free, or free from security vulnerabilities. Lorica will use commercially reasonable efforts to maintain service availability but does not guarantee any specific uptime level.
Lorica Core integrates with third-party services including Plaid, our identity verification provider, Legend Bank / Infinant, Spinwheel, and Stripe. Lorica is not responsible for the availability, accuracy, or actions of these third-party services. Their separate terms of service and privacy policies apply to their respective components of the service.
Read this section carefully. It limits Lorica’s liability to you.
To the maximum extent permitted by applicable law:
Some jurisdictions do not allow certain liability limitations. In such jurisdictions, Lorica’s liability is limited to the maximum extent permitted by law.
You agree to defend, indemnify, and hold harmless Automate 100, LLC and its officers, directors, employees, and agents from and against any claims, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to:
Binding arbitration and class action waiver. This section requires binding arbitration of most disputes and waives your right to participate in a class action lawsuit. Please read carefully.
Before initiating any formal dispute process, you agree to contact Lorica at support@trylorica.com and describe your concern in detail. Lorica will attempt to resolve the concern within 30 days. Many concerns can be resolved quickly and informally.
If a dispute cannot be resolved informally, you and Lorica agree that any dispute, claim, or controversy arising out of or relating to this Agreement or Lorica Core (including any question of arbitrability) will be resolved by binding individual arbitration administered by JAMS under its Comprehensive Arbitration Rules, except as set forth in Section 13.4. The arbitration will be conducted by a single arbitrator. Judgment on the award rendered may be entered in any court of competent jurisdiction.
YOU AND LORICA EACH WAIVE ANY RIGHT TO BRING OR PARTICIPATE IN ANY CLASS ACTION, CLASS ARBITRATION, COLLECTIVE ACTION, OR REPRESENTATIVE PROCEEDING. All disputes must be resolved individually.
The following disputes are not subject to mandatory arbitration: (a) claims that qualify for small claims court; (b) claims seeking injunctive or other equitable relief for infringement or misuse of intellectual property rights; and (c) claims that applicable law expressly requires to be resolved in court.
This Agreement is governed by the laws of the State of Washington, without regard to its conflict of law principles. To the extent any matter is not subject to arbitration, you consent to the exclusive jurisdiction of the federal and state courts located in Pierce County, Washington.
You may cancel your Lorica Core subscription at any time as described in Section 3.4. Cancellation terminates your access to Lorica Core features at the end of your paid period. It does not itself close your Dedicated Account at Legend Bank; section 7.3 explains how unused funds are returned and the account is closed.
Lorica may suspend or terminate your account immediately, without prior notice, if:
Upon termination: (a) your license to use Lorica Core is revoked; (b) Autopilot is immediately paused; (c) pending ACH draws that have already been initiated may continue to settlement; (d) your Dedicated Account remains open until its balance is returned and it is closed as described in Section 7.3, independently of Lorica’s service; and (e) Lorica’s data retention obligations as described in the Privacy Policy continue to apply.
The following sections survive termination of this Agreement: Section 9 (Intellectual Property), Section 10 (Disclaimers), Section 11 (Limitation of Liability), Section 12 (Indemnification), Section 13 (Dispute Resolution), Section 15 (Changes to This Agreement), Section 16 (General Provisions), and all data retention and compliance recordkeeping obligations described in the Privacy Policy (including BSA/AML, Reg E, and NACHA retention requirements). Lorica’s obligation to maintain compliance records is not affected by account termination or deletion requests.
Lorica reserves the right to amend this Agreement at any time. For a price or fee increase, we give at least 30 days’ advance notice, as Section 3.3 describes. For any other material change, we give at least 21 days’ advance notice by email to your registered address and by in-app notification. The updated Agreement will be posted at trylorica.com/terms with a new effective date.
Your continued use of Lorica Core after the effective date of any material change constitutes your acceptance of the updated Agreement. If you do not agree to a change, you may cancel your subscription before the change takes effect. For non-material changes (for example, typographical corrections and clarifications), we may update the Agreement without notice.
| Provision | Details |
| Entire Agreement | This Agreement, together with all incorporated documents listed in Appendix A, constitutes the entire agreement between you and Lorica regarding Lorica Core and supersedes all prior agreements, representations, and understandings. |
| Severability | If any provision of this Agreement is found unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will remain in full force and effect. |
| No Waiver | Lorica’s failure to enforce any provision of this Agreement does not constitute a waiver of that provision or any other provision. |
| Assignment | You may not assign your rights or obligations under this Agreement without Lorica’s prior written consent. Lorica may assign this Agreement in connection with a merger, acquisition, or sale of substantially all of its assets. |
| Notices | Lorica will provide notices under this Agreement by email to your registered address or by in-app notification. You will provide notices to Lorica at support@trylorica.com or Automate 100, LLC, Attn: Legal, 401 Broadway, Suite 100, Tacoma, WA 98402. |
| Force Majeure | Lorica is not liable for delays or failures caused by events beyond its reasonable control, including natural disasters, acts of government, telecommunications failures, or actions of third-party service providers (Plaid, Legend Bank, Spinwheel). |
| Relationship of Parties | Nothing in this Agreement creates a partnership, joint venture, agency, or employment relationship between you and Lorica. Lorica acts as an independent service provider. |
| Electronic Communications | By using Lorica Core, you consent to receive communications from Lorica electronically, including by email and in-app notification. Electronic notices satisfy any legal requirement for written notice. |
These documents are part of this Terms of Service. You can request any of these documents at support@trylorica.com.
| Document | What it covers |
| Privacy Policy | How Lorica collects, uses, and protects your personal information |
| Electronic Fund Transfer Disclosure | Your rights and Lorica’s duties for electronic transfers, including error resolution, and the list of your authorizations |
| GLBA Privacy Notice | How Lorica handles nonpublic personal financial information. The bank gives you its own notice. |
| E-Sign Agreement | Your consent to receive documents electronically, and how to withdraw it |
| ACH Debit Authorization | Your authorization for recurring and one-time ACH transfers, and for the return of unused funds |
| Consumer Fee Schedule | Every fee Lorica charges, and the fees it does not charge |
| Deposit Account Agreement | The bank’s terms for your Dedicated Account. Legend Bank and Infinant provide it, and you receive it before your Dedicated Account is opened. |