Legal

TERMS AND CONDITIONS

Effective Date: May 9, 2026

Last Updated: May 9, 2026

PLEASE READ THESE TERMS CAREFULLY. THEY CONTAIN A BINDING ARBITRATION AGREEMENT, A CLASS ACTION WAIVER, A MASS-ARBITRATION COORDINATED-PROCEEDING CLAUSE, AND A LIMITATION OF LIABILITY THAT AFFECT YOUR LEGAL RIGHTS. IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THE SERVICE.

1. Agreement to Terms

These Terms and Conditions (the "Terms") are a legally binding contract between you ("User," "you," or "your") and MoneyRoom, LLC, an Arizona limited liability company ("MoneyRoom," "we," "us," or "our"), governing your access to and use of the MoneyRoom mobile application, website, and any related services (collectively, the "Service").

By creating an account, accessing, downloading, installing, or using the Service, you agree to be bound by these Terms and our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Service.

2. Eligibility

You must be at least 18 years old, of legal age to form a binding contract, and a resident of the United States to use the Service. By using the Service, you represent and warrant that you meet these requirements. The Service is not directed to and is not intended for use by children under 18, and we do not knowingly collect information from anyone under 18.

3. Description of the Service

MoneyRoom is a personal finance application that helps Users track credit card benefits, annual fees, statement credits, spending categories, budgets, and read-only investment account information. The Service may include educational budgeting tools, automated tracking via third-party connections such as Plaid, and informational content.

THE SERVICE IS PROVIDED FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY. IT IS NOT FINANCIAL, INVESTMENT, TAX, LEGAL, ACCOUNTING, OR CREDIT ADVICE.

4. Accounts

To use most features, you must create an account. You agree to:

We may suspend, restrict, or terminate accounts that violate these Terms, at our sole discretion, with or without notice. You authorize us to make any inquiries we consider necessary to validate your identity, including verifying information you provide against third-party databases. If we cannot verify your identity, we may refuse to allow you to use the Service.

5. Free and Paid Features

The Service includes both free and paid features. Paid features may be offered as subscriptions or one-time purchases. Specific pricing, billing, and refund terms will be presented at the point of purchase and are incorporated into these Terms by reference.

6. Third-Party Services and Limited Agency Authorization

The Service integrates with third-party services, including but not limited to Plaid Inc. for financial account connections, payment processors (such as Stripe and the Apple and Google in-app billing systems), email and SMS delivery providers, and analytics providers. Your use of those services is governed by their own terms and privacy policies. The Plaid End User Privacy Policy is available at https://plaid.com/legal/#end-user-privacy-policy.

Limited Agency for Account Aggregation. By linking a financial account through Plaid or any other aggregation provider, you grant MoneyRoom a limited power of attorney and appoint MoneyRoom as your agent and attorney-in-fact, solely for the limited purpose of accessing, retrieving, and displaying your read-only account information from third-party financial institutions. This limited agency:

(a) is read-only — we do not place trades, transfer funds, initiate withdrawals, deposits, or payments, or take any other action that affects your accounts;
(b) does not authorize MoneyRoom to act on your behalf in any other capacity;
(c) may be revoked at any time by disconnecting the linked account or deleting your MoneyRoom account; and
(d) does not constitute MoneyRoom acting as the agent of, or on behalf of, any third party that operates a connected financial institution.

We do not access, store, or transmit your bank login credentials. All credential exchange is handled by Plaid.

We are not responsible for the acts, omissions, errors, downtime, accuracy, completeness, or timeliness of any third-party service, including data displayed in the Service that is sourced from card issuers, banks, brokerages, market-data providers, or aggregation providers.

7. Acceptable Use

You agree not to:

We may, at our sole discretion, investigate violations and take appropriate action, including terminating accounts, removing content, and reporting to law enforcement.

8. Intellectual Property

The Service, including all software, content, designs, logos, and trademarks, is owned by MoneyRoom, LLC or its licensors and is protected by U.S. and international intellectual property laws. We grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service for personal, non-commercial purposes, subject to these Terms.

You retain ownership of any data, content, or material you submit, upload, or generate through the Service ("User Data"). You grant MoneyRoom a non-exclusive, worldwide, royalty-free, sublicensable license to host, store, process, transmit, display, and use User Data solely as necessary to operate, maintain, secure, and improve the Service.

Feedback. If you submit ideas, suggestions, feature requests, bug reports, or other feedback regarding the Service ("Feedback"), you grant MoneyRoom a perpetual, irrevocable, worldwide, royalty-free, sublicensable, fully paid-up license to use, modify, and exploit such Feedback for any purpose, without obligation or compensation to you.

Third-party trademarks, service marks, graphics, and logos referenced in the Service are the property of their respective owners and are used for identification purposes only. Use of these names, trademarks, and logos does not imply any relationship, sponsorship, or endorsement.

9. Financial and Educational Disclaimers

THE SERVICE IS FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY.

You agree that we are not liable for any financial losses, missed benefits, missed payments, miscategorized transactions, tax consequences, lost rewards, or other damages resulting from your use of or reliance on the Service.

10. Notifications, Alerts, and Widgets

We may provide automatic and voluntary notifications, alerts, and widgets, which may display information about your accounts, balances, due dates, available credits, or budgets. These features are provided as informational tools only.

You acknowledge and agree that notifications, alerts, and widgets may be delayed, prevented, or inaccurate due to a variety of factors beyond our reasonable control, including network conditions, third-party data feeds, device settings, and operating-system limitations. We make commercially reasonable efforts to deliver them accurately and timely but do not guarantee delivery, timeliness, or accuracy. We are not liable for (a) any delay, failure to deliver, or misdirected delivery of any notification or alert; (b) any error in the content of any notification, alert, or widget; or (c) any action taken or not taken by you or any third party in reliance on a notification, alert, or widget.

You can manage or disable notifications and alerts through your account or device settings.

11. Beta and Preview Features

From time to time, we may offer pre-release, beta, trial, "Sneak Preview," or experimental features (collectively, "Beta Features"). Beta Features are provided "AS IS" and "AS AVAILABLE" for the purpose of evaluation and feedback, and may contain bugs, errors, or inaccuracies that could cause failures, data loss, or corruption.

You acknowledge that:

12. Disclaimer of Warranties

THE SERVICE, INCLUDING ALL CONTENT, DATA, FEATURES, INFORMATION, AND PRODUCTS PROVIDED THROUGH IT, IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, MONEYROOM, ITS OFFICERS, MEMBERS, EMPLOYEES, AGENTS, LICENSORS, AND SUPPLIERS DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, TITLE, AND QUIET ENJOYMENT.

WE DO NOT WARRANT THAT (a) THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE; (b) ANY DEFECTS WILL BE CORRECTED; (c) THE SERVICE OR ITS HOSTING SERVERS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR (d) ANY INFORMATION OBTAINED THROUGH THE SERVICE IS ACCURATE, COMPLETE, OR RELIABLE.

NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY MONEYROOM OR ANY AUTHORIZED REPRESENTATIVE WILL CREATE A WARRANTY. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL MONEYROOM, LLC, ITS OFFICERS, MEMBERS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST REVENUE, LOST DATA, LOST OPPORTUNITIES, MISSED BENEFITS, OR ANY FINANCIAL LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICE, EVEN IF MONEYROOM HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR OTHERWISE).

OUR TOTAL CUMULATIVE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF: (A) THE AMOUNT YOU PAID MONEYROOM IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED U.S. DOLLARS ($100).

THESE LIMITATIONS APPLY EVEN IF ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

14. Indemnification

You agree to defend, indemnify, and hold harmless MoneyRoom, LLC, its affiliates, and their respective officers, members, employees, agents, and licensors from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of or inability to use the Service; (b) your violation of these Terms or any applicable law; (c) your violation of any third-party right, including any intellectual property, privacy, or contractual right; (d) any User Data you submit; or (e) any decision you make or action you take in reliance on the Service.

15. Termination

We may suspend, restrict, or terminate your account and access to the Service at any time, with or without cause and with or without notice, including for any violation of these Terms or for any conduct that we believe, in our sole discretion, may harm MoneyRoom, other users, or third parties.

You may terminate your account at any time through the in-app account deletion feature or by emailing us at the address below. Upon termination:

16. Mandatory Pre-Dispute Notice and Informal Resolution

Before initiating any arbitration or small-claims proceeding, you and MoneyRoom agree to first attempt to resolve any dispute, claim, or controversy arising out of or relating to these Terms or the Service (a "Dispute") through informal negotiation.

You must send a written Notice of Dispute to MoneyRoom by email at support@moneyroom.app, or by mail to MoneyRoom, LLC, Yavapai County, Arizona, USA. The Notice of Dispute must:

(a) be on your behalf only and bear your personal signature (and not the signature of your attorney or any other person);
(b) not be co-signed by, or combined with the notice of, any other party;
(c) include your name, the email address associated with your account, and your mailing address;
(d) describe the nature and basis of the Dispute, including the relevant facts; and
(e) state the specific relief you seek.

If MoneyRoom has a Dispute against you, we will send a similar written notice to the email address associated with your account.

You and MoneyRoom must allow sixty (60) days from receipt of the Notice of Dispute to attempt to resolve the Dispute informally before either party may initiate arbitration or small-claims proceedings. Statutes of limitations and other filing deadlines will be tolled during this 60-day informal-resolution period. Compliance with this Section 16 is a condition precedent to filing any arbitration or other formal proceeding, and failure to comply is grounds for dismissal.

17. Binding Arbitration; Class Action Waiver; Mass Arbitration / Coordinated Proceedings

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY DECIDE YOUR CLAIMS.

(a) Agreement to Arbitrate

You and MoneyRoom agree that, after the pre-dispute notice and informal-resolution period in Section 16 has expired without resolution, any Dispute will be resolved by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, rather than in court, except that either party may bring an individual claim in small-claims court if it qualifies. The Federal Arbitration Act ("FAA") governs the interpretation and enforcement of this Section 17.

(b) Class Action and Representative Action Waiver

YOU AND MONEYROOM AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY ON AN INDIVIDUAL BASIS, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, PRIVATE ATTORNEY GENERAL, OR REPRESENTATIVE ACTION OR PROCEEDING. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding. YOU AGREE TO WAIVE THE RIGHT TO A JURY TRIAL.

(c) Coordinated and Mass Arbitration Proceedings

If twenty-five (25) or more substantially similar Notices of Dispute or arbitration demands are filed by or on behalf of claimants represented by the same or coordinated counsel (or counsel acting in concert), or that are reasonably expected to be coordinated given the similar nature of the claims (collectively, "Coordinated Claims"), the following procedures will apply, notwithstanding anything to the contrary in the AAA rules:

(i) Bellwether Process. Counsel for MoneyRoom and counsel for claimants will each select fifteen (15) Coordinated Claims to proceed in arbitration as bellwether cases before the same arbitrator(s) (or a small panel of arbitrators) to promote efficiency. The remaining Coordinated Claims will not be filed in arbitration and will be tolled during the bellwether process.

(ii) Mediation. Following the conclusion of the bellwether arbitrations, the parties will jointly select a mediator and conduct a global mediation in an attempt to resolve all remaining Coordinated Claims. If the global mediation is unsuccessful, the parties will each select another thirty (30) Coordinated Claims to proceed in a second bellwether round, followed by a second mediation if necessary.

(iii) Individual Resolution After Mediation. If a global settlement is not reached after the bellwether and mediation rounds, individual claimants may then proceed to individual arbitration or to small-claims court, if eligible.

(iv) Settlement Acknowledgment. If MoneyRoom makes a settlement offer to a claimant as part of a global mediation, the claimant must — before proceeding to individual arbitration — certify in writing, bearing the claimant's personal signature, that the claimant personally received and reviewed the offer and any potential counterclaims (including for fees and costs), and had the opportunity to discuss them with counsel.

(d) Fee-Shifting

Unless a party demonstrates that it is reasonably unable to pay, the arbitrator will award reasonable arbitration costs, fees, and attorneys' fees to the prevailing party upon a finding that: (a) the claims brought were frivolous, lacked sufficient pre-notice investigation, lacked evidentiary support, or were brought in bad faith; (b) a party rejected a settlement offer prior to the conclusion of arbitration that had a value greater than the recovery awarded; or (c) a claimant brings substantially similar claims as previously failed or rejected claims, knowing they were previously unsuccessful, without raising new, warranted, and non-frivolous legal or factual allegations.

(e) Arbitration Procedure

Arbitration will be conducted in Yavapai County, Arizona, or, at your election, by phone, video, or written submissions. The arbitrator's decision will be final and binding. Each party will bear its own costs and attorneys' fees, except as the arbitrator may award under applicable law or under subsection (d) above. Filing, administration, and arbitrator fees will be governed by the AAA rules, except that we will pay our share as required.

(f) 30-Day Opt-Out Right

You may opt out of this arbitration agreement by sending written notice to support@moneyroom.app from the email associated with your account, with the subject line "Arbitration Opt-Out," within thirty (30) days of first accepting these Terms. Your notice must include your name and the email address associated with your account. Opting out will not affect any other provision of these Terms or your relationship with MoneyRoom.

(g) Severability

If the class action waiver in Section 17(b) is found unenforceable as to any claim, then the entirety of this Section 17 will be null and void as to that claim, but will remain in full force and effect as to all other claims. If any other portion of this Section 17 is found unenforceable, that portion will be severed and the remainder will be enforced.

18. Governing Law and Venue

These Terms are governed by the laws of the State of Arizona, without regard to its conflict-of-laws rules. Subject to Section 17 (Arbitration), any action not subject to arbitration will be brought exclusively in the state or federal courts located in Yavapai County, Arizona, and you consent to the exclusive personal jurisdiction and venue of those courts and waive any objection based on forum non conveniens.

19. Apple App Store Terms

If you downloaded or installed the Service from the Apple App Store, the following additional terms apply, and in the event of any conflict with the rest of these Terms, the following terms control with respect to your use of the iOS application:

(a) Acknowledgment. These Terms are between you and MoneyRoom only, and not with Apple, Inc. ("Apple"). MoneyRoom, not Apple, is solely responsible for the iOS application and its content.

(b) Scope of License. The license granted to you for the iOS application is limited to a non-transferable license to use the iOS application on any Apple-branded product that you own or control, and as permitted by the Usage Rules in the Apple Media Services Terms and Conditions.

(c) Maintenance and Support. MoneyRoom, not Apple, is solely responsible for any maintenance and support services with respect to the iOS application. Apple has no obligation whatsoever to furnish any maintenance or support services with respect to the iOS application.

(d) Warranty. MoneyRoom is solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. In the event of any failure of the iOS application to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) for the iOS application to you. To the maximum extent permitted by applicable law, Apple has no other warranty obligation whatsoever with respect to the iOS application, and any other claims, losses, liabilities, damages, costs, or expenses attributable to any failure to conform to any warranty are MoneyRoom's sole responsibility.

(e) Product Claims. MoneyRoom, not Apple, is responsible for addressing any claims by you or any third party relating to the iOS application or your possession or use of it, including: (i) product liability claims; (ii) any claim that the iOS application fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection, privacy, or similar legislation.

(f) Intellectual Property Rights. In the event of any third-party claim that the iOS application or your possession or use of it infringes that third party's intellectual property rights, MoneyRoom, not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of any such intellectual property infringement claim.

(g) Legal Compliance. You represent and warrant that (i) you are not located in any country subject to a U.S. Government embargo or designated by the U.S. Government as a "terrorist supporting" country, and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.

(h) Developer Contact. Direct any questions, complaints, or claims to MoneyRoom, LLC at support@moneyroom.app.

(i) Third-Party Beneficiary. You acknowledge and agree that Apple and Apple's subsidiaries are third-party beneficiaries of these Terms, and that, upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.

20. Google Play Terms

If you downloaded or installed the Service from the Google Play Store, you acknowledge that these Terms are between you and MoneyRoom only, and not with Google LLC. MoneyRoom, not Google, is solely responsible for the Android application and its content. Your use of the Android application must comply with the then-current Google Play Terms of Service.

21. DMCA Notice and Designated Agent

MoneyRoom respects the intellectual property rights of others and expects users to do the same. If you believe that material available through the Service infringes your copyright, please send a notice to our Designated Agent that includes:

(a) a physical or electronic signature of a person authorized to act on behalf of the copyright owner;
(b) identification of the copyrighted work claimed to have been infringed;
(c) identification of the allegedly infringing material and its location within the Service, sufficient to permit us to locate it;
(d) your contact information (name, address, telephone number, and email);
(e) a statement that you have a good-faith belief that the use is not authorized by the copyright owner, its agent, or the law; and
(f) a statement, made under penalty of perjury, that the information in the notice is accurate and that you are the copyright owner or authorized to act on the owner's behalf.

Designated Agent for DMCA Notices:
MoneyRoom, LLC
Attn: DMCA Designated Agent
Yavapai County, Arizona, USA
Email: support@moneyroom.app

We may, in appropriate circumstances and at our sole discretion, terminate accounts of users who are repeat infringers. False claims of infringement may result in liability under 17 U.S.C. § 512(f).

22. Modifications

We may modify these Terms at any time. If we make material changes, we will notify you by email (if we have your email) or via in-app notice at least 30 days before the changes take effect. Non-material changes will be effective on posting. Your continued use of the Service after the effective date constitutes acceptance of the modified Terms. If you do not agree to the modified Terms, you must stop using the Service and may terminate your account.

We may modify, suspend, or discontinue the Service (or any feature or part of it) at any time, with or without notice. We are not liable to you or any third party for any modification, suspension, or discontinuation of the Service.

23. Miscellaneous

24. Contact

MoneyRoom, LLC
Yavapai County, Arizona, USA
Email: support@moneyroom.app