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").

You accept these Terms when you affirmatively agree to them during registration or an applicable update. Our Privacy Policy explains how we handle personal information; permissions requiring separate consent are requested separately. 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 helps you track credit-card statement credits, annual fees, benefit values, points balances, and spending, and provides category-based card comparisons and informational estimates. Manual tracking is available without linking a bank account. Pro can detect supported credits from accounts you choose to link through Plaid; some credits require confirmation and others remain manual. Catalog coverage describes a credit's tracking characteristics, not a promise about your bank's feed. You remain responsible for reviewing entries, issuer requirements, enrollment, and deadlines. Investment features and new investment connections are not currently available.

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 verify control of your account and request information reasonably necessary to investigate suspected unauthorized access or misuse. Suspension and termination are governed by Section 15.

5. Free and Paid Features

MoneyRoom offers a free plan and paid monthly or yearly subscriptions. Prices, billing cadence, and the recurring-payment disclosure are shown before you purchase. The free plan does not automatically convert to a paid plan. We do not currently offer paid-subscription free trials, one-time purchases, or Apple App Store in-app subscriptions.

• Billing and Automatic Renewal. Your subscription automatically renews at the end of each billing period until canceled, and payment is collected for the next period. You expressly authorize recurring billing before purchase. The checkout confirmation and Link receipt identify your purchase, price, cadence, and applicable taxes or discounts. MoneyRoom's list-price summaries are identified as base prices; an upcoming-invoice estimate is not a guarantee of the final charge. We send a recurring renewal reminder before each yearly renewal and at least annually for monthly subscriptions. You can review current billing details in Settings and the billing portal.
• Payment Service. Purchases use Stripe Managed Payments. Link is identified as the merchant of record at checkout and on receipts, handles payment and transaction support, and sends its own receipts and certain subscription notices. Link's payment terms and privacy notice also apply. MoneyRoom provides the app and product support. You authorize the payment service identified at checkout to collect the recurring charges you approve.
• Cancellation. To prevent the next renewal, you must cancel before the current billing period ends. Use the cancellation control in Settings, the Stripe billing portal linked there, or the subscription-management options provided by Link. MoneyRoom's cancellation flow keeps a direct cancellation control available without requiring you to accept a retention offer. For a subscription in good standing, cancellation stops the next renewal and paid access continues through the current billing period. An outstanding payment can cause access to end sooner, as described below. Uninstalling the app does not cancel a subscription. Contact moneyroomtracking@gmail.com if you cannot access cancellation.
• Failed Payments. A failed renewal may be retried by Stripe. MoneyRoom allows a seven-day past-due grace period; paid access ends when that grace expires or when the subscription is canceled, whichever happens first. This can occur before the otherwise applicable period-end date. Cancellation does not erase an amount already owed. Losing paid access does not delete your tracked history.
• Plan Changes and Pauses. A direct change from Pro to Plus takes effect immediately and creates a prorated billing credit for unused service; a credit against billing is not a cash refund. A change made in the billing portal may instead take effect on the date shown there. Switching to Free cancels renewal subject to the cancellation and failed-payment rules above. A pause stops payment collection while paused and removes paid-feature access; resuming restores the paid plan under the billing terms shown. Pausing or losing Pro ends live Plaid syncing and revokes the connection. Previously imported activity remains subject to the Privacy Policy's retention schedule, and resuming or upgrading does not automatically reconnect a bank.
• Refunds. Ordinary cancellation does not provide a refund for a partial billing period or unused features. This policy does not limit refunds required by law or available under the applicable Link payment terms. Stripe and Link can decide refund requests within their Managed Payments authority. Contact MoneyRoom for product issues or Link for transaction assistance. If MoneyRoom ends a paid service without your breach before the prepaid period ends, we will arrange a refund of the unused portion through the payment service.
• Price Changes. We will give at least 30 days' advance notice of a price increase by email or in-app notice, identify when it applies, and obtain any consent required by law. You may cancel before the higher price takes effect.
• Taxes and Promotions. Applicable taxes and any discount conditions are disclosed at checkout. A promotion may expire before a later renewal; the price then follows the terms disclosed when you accepted that promotion.

6. Third-Party Services and Account Access Authorization

The Service integrates with third-party services, including Plaid Inc. for financial account connections, Stripe and Link for Managed Payments, Supabase for account authentication, Resend for email delivery, Sentry for error diagnostics, and Vercel for hosting and analytics. Some services you use directly have separate terms presented by their providers. Other providers process information for MoneyRoom. Third-party limitations do not remove MoneyRoom's own obligations under these Terms or applicable law. 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).

Read-only account access. When you link an account, you authorize the read-only retrieval and processing described here and in Plaid's disclosures. This does not authorize MoneyRoom to move money, trade, or otherwise transact on your behalf. You can revoke this authorization by disconnecting the linked account or deleting your MoneyRoom account.

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.

Third-party data and services may be delayed, incomplete, or unavailable. Claims concerning MoneyRoom's own performance remain governed by these Terms and applicable law.

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. We may use non-personal ideas and suggestions without compensation. This license does not override the Privacy Policy or authorize indefinite retention of personal information included in feedback.

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=2026-10-07.
• 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.
• 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. Issuer decisions and benefit availability are outside our control.

Claims concerning MoneyRoom's own performance are governed by Section 13. No disclaimer in these Terms excludes a required refund or liability that cannot lawfully be excluded.

10. Notifications, Alerts, and Widgets

We provide in-app notifications and, when enabled, basic push reminders in the iOS app. Eligible paid plans include reminder digests by email and optional iOS push. Push content is generic; reminder emails may include card nicknames and statement-credit amounts. Billing, security, and legal communications are distinct from optional reminder preferences. These features are informational tools, not a substitute for issuer statements or your own deadline checks.

Notifications, alerts, and widgets may be delayed, prevented, or inaccurate due to 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. Claims concerning MoneyRoom's own performance are governed by Section 13. No disclaimer excludes a required refund or liability that cannot lawfully be excluded.

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, OR MISSED BENEFITS, 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 PAID FOR YOUR MONEYROOM SUBSCRIPTION, INCLUDING PAYMENTS PROCESSED THROUGH STRIPE OR LINK, IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED U.S. DOLLARS ($100).

THESE LIMITATIONS DO NOT EXCLUDE LIABILITY THAT CANNOT LAWFULLY BE LIMITED, INCLUDING LIABILITY FOR FRAUD OR WILLFUL MISCONDUCT. THEY DO NOT REDUCE ANY EXPRESS REFUND OBLIGATION IN SECTION 5. THESE LIMITATIONS OTHERWISE 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: your unlawful use of the Service, intentional misconduct, material breach of these Terms, or submission of User Data that infringes another person's rights. This obligation does not apply to claims caused by a MoneyRoom Party's own negligence, willful misconduct, or violation of law.

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.

MoneyRoom will not settle a claim under Section 14 in a way that requires your payment or admission without your written consent.

15. Termination

We may act immediately where reasonably necessary for security, fraud prevention, a material violation, or legal compliance. For other terminations initiated by us, we will provide reasonable advance notice and honor Section 5's refund obligations.

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.
• Canceling a subscription does not delete your account. Account-deletion requests are handled under the Privacy Policy; suspending access does not itself mean all retained records have been deleted.
• 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 arbitration, 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) identify you and be submitted by you or an authorized representative;
(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. Statutes of limitations and other filing deadlines will be tolled during this 60-day informal-resolution period. Either party may bring an eligible individual small-claims case without this waiting period. This procedure does not prevent urgent provisional relief needed to preserve rights. A curable defect in a notice is not by itself grounds to extinguish a claim.

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).

(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.

If AAA declines to administer a dispute because MoneyRoom has not met its consumer requirements, including required fees, you may bring the dispute in a court with jurisdiction. We do not represent that this clause is registered with or approved by AAA.

(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. A court will determine whether any non-arbitrable claim should be stayed, subject to applicable law.

(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 this arbitration agreement, identifying your name and the email address associated with your account. A valid prior arbitration opt-out remains effective. For a person first accepting this arbitration agreement, the opt-out period begins on that acceptance. 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), actions not subject to arbitration will be brought in the appropriate Arizona state court in Yavapai County or the United States District Court for the District of Arizona, except where applicable law preserves another forum.

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, including access by other accounts associated with the purchaser through Family Sharing or volume purchasing.

(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, PO Box 1393, Prescott, AZ 86302, USA, or moneyroomtracking@gmail.com.

You must comply with applicable third-party terms when using the iOS application, including your wireless data-service agreement.

(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).

21. Modifications

We may revise these Terms. For material changes, we will provide email or in-app notice at least 30 days before the replacement applies to an existing account. The replacement applies no earlier than its stated effective date and the end of that account's notice period. The current version remains in force until then. When required by our update process or applicable law, we will ask you to expressly accept the identified replacement before continuing ordinary use. You can still access cancellation, account deletion, and support without agreeing to the replacement. If you do not agree, stop using the Service and cancel any subscription you do not want renewed.

Non-material corrections may take effect on posting. A document's revision date records when its text was revised; its consent version is separate. A date-only correction does not itself trigger renewed acceptance. Dated versions and a change log identify the text, effective date, changes, and whether an update was treated as material. Changes will not retroactively govern a Dispute that arose before the applicable change.

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. Send legal notices to moneyroomtracking@gmail.com unless the relevant section expressly permits another method. 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. We deliver routine service communications electronically. Separate consent requirements for electronic delivery of legally required written disclosures are not replaced by this paragraph.

23. Contact

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

Publication and Change Log

Version displayed: 2026-10-07. Upcoming replacement — not yet effective. 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.