Mint has at least two terms of use available to the public, one of which the company did not know existed until notified by Bank Innovation.

Bank Innovation found a terms of use online that had not been updated since February 19, 2010. When we asked Intuit about it (Intuit owns Mint), a press official confirmed that the company did not know about the old terms of use, instead citing a terms of use published on July 26, 2012. The press officer added, “Thanks for flagging. I am going to assume that is an old link floating around, but will get to the bottom of it.”

The old terms of use is located at https://www.mint.com/privacy/terms/, while the new one is at https://www.mint.com/how-it-works/security/terms/.

The old terms of use leaves out three important elements: a) Use With Your Mobile Device; b) Social Media Sites; and c) Apple Requirements.

The Social Media Sites clause, for example, specifies that Mint users who post “any” Mint content, “such as pictures, information, opinions, or any Personal Information that you make available to other participants on these social platforms, is subject to the Terms of Use and Privacy Policies of those platforms.”

The Use With Your Mobile Device clause places responsibility for “any applicable changes, updates and fees as well as the terms of your agreement with your mobile device and telecommunications provider” on the Mint user.

Obviously, the Apple Requirements legalese relates to Mint’s mobile app, which is available via iTunes.

Some of these clauses left off the old terms of use benefit the user, while others favor Mint. However, the fact is Mint has multiple legal documents floating around its site, and that in and of itself says something.