TERMS AND CONDITIONS

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:

• Provide accurate, current, and complete information.
• Keep your password and PIN confidential.
• Notify us immediately of any unauthorized access to your account.
• Be responsible for all activity that occurs under your account.

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.

• Billing and Automatic Renewal. Paid subscriptions are offered on a monthly or yearly basis, as selected at purchase. Your subscription automatically renews at the end of each billing period, and your selected payment method will be charged at the start of each renewal period, until you cancel. The renewal price, billing frequency, and renewal date are disclosed at checkout, where you give express consent to these automatic-renewal terms before purchase. Each renewal is charged at the then-current price for your plan; any price change is subject to the advance-notice terms in the "Price Changes" provision below. We also email you a recurring renewal reminder — before each renewal of a yearly plan, and at least once each year for a monthly plan — stating the plan, the amount that will be charged, the billing frequency, the renewal date, and how to cancel. You authorize us and our payment processor (Stripe) to charge your selected payment method on this recurring basis.
• Failed Payments. If a renewal payment fails, Stripe retries the charge for a limited period. If the retries do not succeed, your subscription is canceled and your access to paid features ends at that cancellation, which may occur before the period-end date that would otherwise have applied. Nothing already tracked in your account is deleted when a subscription ends.
• Cancellation. To avoid being charged for the next billing period, you must cancel before the current billing period ends. Subscriptions purchased through our website or web application may be canceled at any time in your account Settings — the cancel option is available directly on the Settings plan section and on every screen of the cancellation flow — or through the Stripe billing portal, which Settings links to. For a subscription in good standing, cancellation takes effect at the end of the current billing period, and you retain access to paid features until that date; if a payment on your subscription is outstanding, it may end sooner, as described under "Failed Payments" above. If you purchased a subscription through the Apple App Store, that subscription is billed and managed by Apple and must be canceled through your Apple ID subscription settings; canceling within the app or deleting the app does not cancel an App Store subscription.
• Refunds. Except where required by applicable law, all fees are non-refundable, including for partial billing periods, unused features, or accounts terminated for violation of these Terms.
• Price Changes. We may change prices with at least 30 days' notice via email or in-app notice. Continued use of paid features after the effective date of a price change constitutes acceptance of the new price.
• Free Trials. If we offer a free trial, the trial will automatically convert to a paid subscription at the price disclosed at signup, and your payment method will be charged, unless you cancel before the trial period ends. Trial terms, including the trial length and the price after conversion, will be disclosed at the time of signup.
• Taxes. Listed prices do not include applicable sales, use, value-added, or similar taxes, which will be added where required by law.

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, Stripe for subscription payment processing, Supabase for account authentication, Resend for email delivery, Sentry for error diagnostics, and Vercel for hosting and analytics. Your use of those services is governed by their own terms and privacy policies. Plaid's end-user legal terms, including its End User Privacy Policy, are available at https://plaid.com/legal/ (End User Privacy Policy: 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.

Account Linking Representations and Authorization. By linking a financial account, you represent and warrant that (i) you own the account or are otherwise authorized to link it and to grant the access described in this Section, and (ii) linking the account and using the Service with it does not violate the terms and conditions governing your account with the applicable financial institution or card issuer. You are responsible for complying with your institution's and issuer's terms at all times. You authorize Plaid and its service providers to access, retrieve, and process information from your financial institutions on your behalf in order to provide the account-connection services, as described in Plaid's end-user legal terms. By linking an account, you also acknowledge and agree that your information will be transferred, stored, and processed by Plaid in accordance with the Plaid End User Services Agreement and the Plaid End User Privacy Policy (both available at the links above), and you grant Plaid the same rights, powers, and authority to access and transmit your information as you grant MoneyRoom under this Section. Disconnecting an account in Settings ends this authorization, directs Plaid to revoke its access, and deletes the imported account and transaction data from your workspace.

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:

• Use the Service for any unlawful purpose or in violation of any applicable law or regulation.
• Reverse engineer, decompile, disassemble, scrape, harvest, or attempt to extract source code or data, except as expressly permitted by applicable law that cannot be contractually waived.
• Interfere with, disrupt, or attempt to gain unauthorized access to the Service, other users' accounts, our systems, or any connected third-party system.
• Use the Service to harass, defraud, defame, stalk, or harm any person.
• Upload or transmit any malware, virus, worm, Trojan horse, or harmful code.
• Resell, sublicense, white-label, or commercially exploit the Service without our prior written consent.
• Use the Service to provide financial, investment, tax, accounting, or legal advice to any third party.
• Misrepresent your identity or impersonate any person or entity.
• Use any robot, spider, scraper, automated tool, or similar mechanism to access or extract data from the Service.
• Circumvent any rate limits, access controls, security measures, or use restrictions.
• Use the Service in any manner that could disable, overburden, damage, or impair it.

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 acknowledge and agree that MoneyRoom is not a bank, a registered investment adviser, broker-dealer, financial planner, tax advisor, attorney, accountant, credit counselor, credit repair organization, or money transmitter, and does not offer deposit or lending products. As a company significantly engaged in providing a financial service — collecting and organizing consumer financial account information at your direction — MoneyRoom treats itself as a "financial institution" under the Gramm-Leach-Bliley Act, 15 U.S.C. §§ 6801 et seq., and provides the privacy notice that law requires: our Financial Privacy Notice, available at https://moneyroom.net/financial-privacy-notice?version=2026-08-11.
• MoneyRoom is not a consumer reporting agency as defined in the Fair Credit Reporting Act ("FCRA," 15 U.S.C. § 1681 et seq.), and nothing provided through the Service — including approval-odds estimates, scores, verdicts, and any other output — is a "consumer report" as defined in the FCRA. You agree not to use the Service or any information obtained from it to determine any person's eligibility for credit, insurance, employment, or any other purpose regulated by the FCRA, or as a factor in connection with any adverse-action decision.
• Budgeting tools, suggestions, summaries, calculations, charts, and general educational content provided by the Service are general in nature and do not constitute personalized financial, investment, tax, legal, accounting, or credit advice.
• Decisions you make based on information from the Service are your sole responsibility. We strongly recommend consulting a licensed professional before making any financial decision.
• We do not guarantee the accuracy, completeness, currency, or availability of any data displayed in the Service, including data sourced from third parties such as Plaid, card issuers, banks, brokerages, or market-data providers.
• Market data may be delayed. Investment values, prices, balances, and quotes may be inaccurate, delayed, or stale and should not be relied upon for trading decisions.
• Past performance is not indicative of future results. Investment values may fluctuate.
• Credit card benefits, terms, fees, rewards, statement credits, and program rules are set by card issuers and may change without notice. We are not responsible for any benefit you fail to redeem, miss, or lose, regardless of the reason.

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:

• Use of Beta Features is voluntary and at your sole risk.
• We are not obligated to make Beta Features generally available or to maintain backward compatibility.
• Once you use a Beta Feature, you may be unable to revert to a prior version, and data created within a Beta Feature may not be recoverable, exportable, or migratable.
• We may modify, suspend, or discontinue any Beta Feature at any time without notice.

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 (collectively, the "MoneyRoom Parties") from and against any and all third-party claims, demands, actions, and proceedings, and all resulting 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.

We will provide you with prompt written notice of any claim subject to indemnification under this Section, provided that any failure or delay in providing such notice will not relieve you of your obligations except to the extent you are materially prejudiced by it. MoneyRoom reserves the right, at its own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate with our defense. You may not settle or compromise any claim subject to this Section without MoneyRoom's prior written consent.

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:

• Your right to access and use the Service ceases immediately.
• We may delete your account and User Data, subject to our Privacy Policy and any retention required by law.
• Survival. The following provisions survive any termination of these Terms or your account, however it occurs and whatever these sections are later numbered: any payment obligations accrued before termination (Section 5); the third-party-services and wind-down provisions of Section 6; Intellectual Property (Section 8); the Financial and Educational Disclaimers (Section 9); Notifications disclaimers (Section 10); Disclaimer of Warranties (Section 12); Limitation of Liability (Section 13); Indemnification (Section 14); Pre-Dispute Notice and Informal Resolution (Section 16); Arbitration and Class Waiver (Section 17); Governing Law and Venue (Section 18); the Apple provisions of Section 19 to the extent applicable; and Miscellaneous (Section 22) — together with any other provision that by its nature should survive.

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 moneyroomtracking@gmail.com, or by mail to MoneyRoom LLC, PO Box 1393, Prescott, AZ 86302, 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

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. YOU CAN OPT OUT — SEE SUBSECTION (f).

This Section is written for what MoneyRoom is: a small, independently owned consumer application. Its purpose is to resolve disputes quickly and cheaply for both sides, not to make claims hard to bring.

(a) Small Claims First

Either party may bring an individual claim in small-claims court in the county where you live (or Yavapai County, Arizona) instead of arbitration, if the claim qualifies for that court. We encourage this path — for most consumer disputes it is the fastest and least expensive forum, and nothing in this Section limits it. If a claim filed in arbitration could have been brought in small-claims court, either party may elect, before an arbitrator is appointed, to have it heard there instead.

(b) Agreement to Arbitrate

Except for qualifying small-claims actions, 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 in effect when the arbitration is filed. The Federal Arbitration Act ("FAA") governs the interpretation and enforcement of this Section 17.

(c) 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, except that claims brought by you and MoneyRoom against each other may be heard together. YOU AND MONEYROOM EACH WAIVE THE RIGHT TO A JURY TRIAL. This waiver does not apply to claims that by law cannot be waived, including a request for public injunctive relief where applicable law preserves that right; any such claim will be stayed pending arbitration of the remaining claims.

(d) Procedure and Costs

Arbitration will be conducted by a single arbitrator, in Yavapai County, Arizona, or — at your election — in the county where you live, by phone, by video, or on written submissions. Fees are governed by the AAA Consumer Arbitration Rules: your filing fee is capped at the amount those rules set for consumers, and MoneyRoom pays the remaining administrative and arbitrator fees as those rules require. Each party bears its own attorneys' fees and costs, except that the arbitrator may award fees and costs (i) where a statute you sue under provides for them, or (ii) against a party whose claim or defense the arbitrator finds was frivolous or brought for an improper purpose, applying the standard of Federal Rule of Civil Procedure 11. The arbitrator's decision is final and binding, and judgment on the award may be entered in any court with jurisdiction.

(e) Disclosure and Fair Process

The arbitrator must apply the same substantive law, and can award the same individual remedies, as a court, and must issue a reasoned written decision on request. Discovery will be proportionate to the size of the claim, as the AAA Consumer Rules provide.

(f) 30-Day Opt-Out Right

You can reject this arbitration agreement without any penalty. Email moneyroomtracking@gmail.com with the subject line "Arbitration Opt-Out" (or send written notice to MoneyRoom LLC, PO Box 1393, Prescott, AZ 86302) within thirty (30) days of first accepting these Terms, identifying your name and the email address associated with your account. No signature, form, or other formality is required. Opting out affects only this Section 17: every other provision of these Terms, and your use of the Service, is unchanged. If you opt out, Disputes will be resolved in the courts identified in Section 18.

(g) Severability

If the class action waiver in subsection (c) is found unenforceable as to any claim, then this entire Section 17 is null and void as to that claim, and it will proceed in the courts identified in Section 18 — but this Section remains in full force for all other claims. If any other portion of this Section 17 is found unenforceable, that portion will be severed and the remainder 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 moneyroomtracking@gmail.com.

(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. Copyright Complaints

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 copyright contact 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.

Copyright contact (not a representation of registered DMCA-agent status):
MoneyRoom LLC
Attn: Copyright complaints
PO Box 1393, Prescott, AZ 86302, USA
Email: moneyroomtracking@gmail.com

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).

Current-practice correction: The earlier copyright-contact description is withdrawn and corrected above. This factual correction does not change this document's consent version or represent acceptance of the replacement. The historical source is preserved in our records.

21. 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.

22. Miscellaneous

• Entire Agreement. These Terms and the Privacy Policy constitute the entire agreement between you and MoneyRoom regarding the Service and supersede all prior or contemporaneous communications and proposals.
• Severability. If any provision of these Terms is held unenforceable, the remaining provisions will remain in full force and effect, and the unenforceable provision will be modified to the minimum extent necessary to make it enforceable.
• No Waiver. Our failure to enforce any provision is not a waiver of that provision or our right to enforce it later.
• Assignment. You may not assign these Terms or any rights or obligations under them without our prior written consent. We may assign these Terms to any successor, affiliate, or acquirer without notice.
• Force Majeure. We are not liable for any delay or failure caused by events beyond our reasonable control, including natural disasters, pandemics, war, terrorism, civil unrest, labor disputes, governmental action, internet or telecommunications failures, or third-party service outages.
• Notices. Legal notices to MoneyRoom must be sent to moneyroomtracking@gmail.com. Notices to you may be sent to the email associated with your account or via in-app notification.
• Headings. Section headings are for convenience only and do not affect interpretation.
• No Third-Party Beneficiaries. Except as expressly stated in Section 19 (Apple), there are no third-party beneficiaries to these Terms.
• Electronic Communications. You consent to receive communications from us electronically, including notices, agreements, and disclosures, and you agree that all such electronic communications satisfy any legal requirement that they be in writing.

23. Contact

MoneyRoom LLC
PO Box 1393, Prescott, AZ 86302, USA
Email: moneyroomtracking@gmail.com

Publication and Change Log

Version displayed: 2026-08-11. Current version — replacement upcoming. The dates in the document above describe the selected text, not the other version.

Replacement publication: revised September 6, 2026; version 2026-10-07; scheduled effective date October 7, 2026.

Public version versus your account. The default public page changes on the scheduled date. For existing accounts, the replacement applies no earlier than that date and 30 days after the in-app notice recorded for that account. Your account notice identifies any later date. Notice is not acceptance. The previous documents remain applicable during that notice period. Reading this public page does not change your account's consent record.

What changed in this document — replacement treated as material: Replaced broad account-access agency language with read-only authorization; clarified provider responsibility, refunds and liability, termination, arbitration opt-outs and the AAA-declines court route; narrowed feedback and electronic-communications language; corrected copyright contact and Apple terms. Prices, plans and feature access are unchanged.

Earlier text and factual corrections. Previous version identifiers are preserved. The public Privacy retention section and Terms copyright contact carry conspicuously identified current-practice corrections; historical source text remains in our records. Earlier corrections also used these identifiers, so an identifier alone is not a claim that every historical acceptance saw identical text.

Revision dates, effective dates, and consent versions have separate meanings. Updating a revision date alone does not request new consent.