These Terms of Service ("Terms") constitute a legally binding agreement between you and Kind of Good Apps, LLC ("Kind of Good Apps," "Company," "we," "our," or "us"), the company that operates My AI Fin App. They govern your access to and use of the My AI Fin App budgeting application, including the iOS and Android apps, website at https://myaifin.app, and related services (collectively, the Services). Please read these Terms carefully. By accessing or using the Services, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Services.

1. Who may use the Services

1.1 Eligibility

You must be at least 18 years old, or the age of majority where you live if that is older, to create an account and use the Services. This applies on the web and in the iOS and Android apps. By using the Services, you represent that you meet this requirement and have the legal capacity to enter into a binding contract. The Services are not available to anyone under 18, including with a parent's or guardian's consent. If we learn that an account belongs to someone under 18, we will close it and delete its data.

1.2 Residence

The Services are intended primarily for individuals residing in the United States. If you access the Services from another country, you are responsible for compliance with local laws.

2. Account registration and security

• Account creation. To use certain features of the Services, you must create an account. You agree to provide accurate, current and complete information during registration and to keep your information up to date. You may not create an account using a false identity or on behalf of someone else without authorization.
• Credentials and security. You are responsible for safeguarding your login credentials and for all activities under your account. You must not share your password or allow others to use your account. Notify us immediately at support@myaifin.app if you suspect any unauthorized access to your account.
• Account sharing. Sharing your account credentials with another person is at your own risk; we are not liable for any losses or damages arising from unauthorized use.
• Account termination. You may delete your account at any time through your account settings or by contacting us. We reserve the right to suspend or terminate your account and access to the Services at any time, with or without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.
• Inactive accounts. An account that nobody in its household has used for two years, or that has nothing in it and has not been used for 90 days, may be deleted, together with its data, after we have emailed the account's address 30 days and 7 days beforehand. Signing in before the date cancels the deletion. This does not apply to an account that has ever had a paid subscription. The Privacy Policy describes what is kept.

3. Description of the Services

My AI Fin App is a personal finance and budgeting service that allows you to track, categorize and analyze your income and spending. The Services provide tools to help you organize your finances, including the option to link your bank and credit accounts via third‑party data providers, import transactions automatically, categorize expenses, set budgets and goals, and receive insights powered by artificial intelligence.

We are not a bank, broker, financial advisor or tax advisor. The Services are provided for informational and educational purposes only. We do not provide legal, tax, investment or other professional advice. You should consult professional advisors before making financial decisions. Your personal financial situation is unique; any information or insights provided through the Services may not be appropriate for your circumstances and should not be relied upon as a substitute for professional advice.

4. Third‑party services and account aggregation

4.1 Linking financial accounts

You may choose to link your bank, credit card or other financial accounts to the Services to retrieve account balances, transaction details or other information. By doing so, you authorize us and our account-connection provider, Plaid, to act as your agent and to access, retrieve and transmit information from those accounts on your behalf. This authorization includes granting us and Plaid a limited power of attorney to log in to your accounts and perform actions necessary to provide the Services. You represent that you have the legal authority to provide this authorization.

We do not store your bank login credentials. The credentials are provided directly to the aggregation provider through a secure interface. We may store tokens or identifiers supplied by the provider that allow continued access until you disconnect the account.

4.2 Accuracy of third‑party data

We retrieve account information from third‑party institutions and technology providers on your behalf. We are not responsible for the accuracy, completeness or timeliness of data obtained from third parties. Financial account information may be delayed or inaccurate. You should confirm account balances and transactions directly with your financial institution before making decisions.

4.3 Third‑party terms and privacy

Your use of third‑party services (e.g., Plaid) is subject to their terms of use and privacy policies. By linking your accounts, you agree to the terms and privacy practices of those providers. We do not endorse or assume responsibility for third‑party services.

5. Subscription fees and payment

Certain features of the Services may require a paid subscription. When you purchase a subscription, you authorize us (or our payment processor) to charge your payment method for the subscription amount, any applicable taxes and renewal fees. Fees are disclosed at the time of purchase and may be updated from time to time. We will provide notice of changes to subscription pricing by email or through the Services. Unless you cancel before the end of the current billing period, your subscription will automatically renew for successive periods.

Payments are processed by third‑party payment processors (such as Stripe). We do not store your full payment card details. You agree to provide current, complete and accurate payment information and authorize the payment processor to charge your payment method.

If you subscribe inside the iOS or Android app, the purchase is made through the Apple App Store or Google Play and is billed, renewed and refunded by Apple or Google under their terms. You manage or cancel those subscriptions in your Apple or Google account settings; deleting the app or your My AI Fin App account does not cancel them.

Free trials. Pro may start with a free trial, usually 3 months. A free trial you start with a card or through the App Store becomes a paid subscription when it ends, at the price shown when you started it (for example $5.99 a month or $49 a year), and then renews automatically, unless you cancel before the trial ends. You can cancel at any time during the trial at no charge: on the website in Settings → Subscription, and for an App Store purchase in your Apple ID's subscription settings at least 24 hours before the trial ends. We email you before a trial you started this way turns into a paid subscription. A free trial started without a card ends on its own and is never charged; afterwards you can choose a plan, and everything you entered by hand stays free. Each customer is eligible for one free trial; where the store you buy through has already given you one, the subscription starts at the regular price.

6. Acceptable use and prohibitions

You may use the Services only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Services in any manner that violates any applicable federal, state or local law or regulation.
• Use the Services to exploit, harm or attempt to harm minors.
• Upload or transmit any material that infringes or violates the intellectual property rights or privacy of others.
• Use the Services to send unsolicited advertisements, spam or other commercial solicitations.
• Introduce viruses, malware or other harmful code or interfere with the operation or security of the Services.
• Attempt to gain unauthorized access to any part of the Services, servers or networks.
• Use any robot, spider or automated means to access the Services or extract data without our prior consent.
• Reverse engineer, decompile or attempt to discover the source code of the Services.
• Rent, lease, loan, sell, resell, sublicense or otherwise transfer the Services to a third party.

We reserve the right to investigate any potential violation of these Terms and to take appropriate action, including removal of content, suspension or termination of accounts.

7. Intellectual property

The Services and all content, trademarks, logos, text, software, images and other materials contained therein are owned by or licensed to us and are protected by intellectual‑property laws. We grant you a personal, non‑exclusive, non‑transferable, revocable license to use the Services for your personal, non‑commercial use, subject to these Terms. You may not copy, modify, create derivative works, distribute, publicly display or perform, or otherwise use any part of the Services except as expressly authorized in these Terms.

8. Feedback

We welcome feedback, comments and suggestions about the Services. By submitting feedback, you grant us a worldwide, perpetual, irrevocable, royalty‑free license to use, reproduce, modify and otherwise exploit your feedback for any purpose without compensation to you.

9. Disclaimer of warranties

The Services are provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we make no representations or warranties of any kind, express or implied, about the Services, including any warranties of merchantability, fitness for a particular purpose, non‑infringement or accuracy. We do not warrant that the Services will be uninterrupted, error‑free or secure, or that any data you obtain through the Services will be accurate or reliable.

10. Limitation of liability

To the maximum extent permitted by law, in no event will we, our affiliates, directors, officers, employees or agents be liable for any indirect, incidental, special, consequential or punitive damages, including loss of profits, data, use, goodwill or other intangible losses, arising out of or related to your use of or inability to use the Services, even if we have been advised of the possibility of such damages. Our total liability for any claim arising out of or relating to these Terms or the Services will not exceed the amount you paid us for the Services during the twelve months prior to the event giving rise to the liability or one hundred US dollars (US $100), whichever is greater. Some jurisdictions do not allow certain limitations of liability, so the above limitations may not apply to you.

11. Indemnification

You agree to defend, indemnify and hold harmless us and our affiliates, officers, directors, employees and agents from and against any claims, damages, obligations, losses, liabilities, costs or debt, and expenses (including attorney's fees) arising from: (i) your use of and access to the Services; (ii) your violation of any term of these Terms; (iii) your violation of any third‑party right, including any intellectual property or privacy right; or (iv) any content you submit or post on the Services.

12. Dispute resolution and arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

12.1 Informal resolution

You agree to first contact us and attempt to resolve any dispute or claim arising out of or relating to the Services informally by sending a written notice to support@myaifin.app describing the nature of the dispute and the relief sought. If we are unable to resolve the dispute within 60 days, either party may pursue binding arbitration as described below.

12.2 Binding arbitration

Except for claims that qualify for small‑claims court, you and we agree that any dispute, claim or controversy arising out of or relating to these Terms or the Services will be settled by binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its Consumer Arbitration Rules. The arbitration will be conducted in the county where you live, unless you and we agree to a different location or to telephonic or virtual arbitration. The arbitrator's decision will be final and binding and may be entered as a judgment in any court of competent jurisdiction.

12.3 Class‑action waiver

You and we agree that any arbitration will be conducted on an individual basis only and not as a class action, collective action, private attorney general action or other representative proceeding. The arbitrator may not consolidate the claims of multiple parties. By entering into these Terms, you waive your right to a jury trial and your right to participate in a class action lawsuit.

12.4 Opt‑out

You may opt out of the arbitration and class‑action waiver provisions by sending written notice of your decision to opt out to support@myaifin.app within 30 days after first becoming subject to these Terms (i.e., when you create an account or start using the Services). If you opt out, you will still be bound by all other provisions of these Terms and the dispute‑resolution provisions of Section 12.1.

12.5 Governing law

These Terms and any disputes arising out of or relating to them are governed by the laws of the State of Florida, without regard to conflict of law principles. Subject to the arbitration provisions above, the state and federal courts located in the State of Florida will have exclusive jurisdiction over any disputes not resolved by arbitration.

13. Apps from the Apple App Store and Google Play

The My AI Fin App apps are available on the Apple App Store and on Google Play. This section applies when you download or use one of them, in addition to the rest of these Terms.

13.1 Apple App Store

If you got the app from the Apple App Store:

• Agreement. These Terms are between you and Kind of Good Apps, LLC only, not with Apple Inc. ("Apple"). Kind of Good Apps, LLC, not Apple, is solely responsible for the app and its content.
• License. Your license to use the app is limited to using it on Apple-branded products that you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions, except that it may also be used by other accounts associated with you through Family Sharing or volume purchasing.
• Maintenance and support. We are solely responsible for providing any maintenance and support for the app. Apple has no obligation whatsoever to furnish any maintenance and support services for the app.
• Warranty. If the app fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price, if any, for the app to you. To the maximum extent permitted by law, Apple has no other warranty obligation with respect to the app, and any other claims, losses, liabilities, damages, costs or expenses attributable to any failure to conform to any warranty are our responsibility, to the extent they are not disclaimed in these Terms.
• Product claims. We, not Apple, are responsible for addressing any claims by you or any third party relating to the app or your possession and use of it, including (i) product liability claims; (ii) any claim that the app fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection, privacy or similar legislation.
• Intellectual property. If a third party claims that the app or your possession and use of it infringes that third party's intellectual property rights, we, not Apple, are solely responsible for the investigation, defense, settlement and discharge of that claim.
• Legal compliance. You represent and warrant that you are not located in a country that is subject to a U.S. Government embargo or that has been designated by the U.S. Government as a "terrorist supporting" country, and that you are not listed on any U.S. Government list of prohibited or restricted parties.
• Third-party terms. You must comply with any applicable third-party terms when using the app, for example your mobile carrier's terms.
• Third-party beneficiary. Apple and its subsidiaries are third-party beneficiaries of these Terms, and once you accept them, 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.
• Questions and claims. Send any questions, complaints or claims about the app to Kind of Good Apps, LLC at support@myaifin.app.

13.2 Google Play

If you got the app from Google Play, these Terms are between you and Kind of Good Apps, LLC only, not with Google LLC ("Google"). Your use of Google Play is also subject to the Google Play Terms of Service. Google is not responsible for the app, its content, or its maintenance and support, and where these Terms and the Google Play Terms of Service conflict over your use of the app, these Terms apply between you and us.

14. Changes to the Terms

We may modify these Terms from time to time. When we do, we will post the updated Terms on our website and update the effective date at the top of this document. If we make material changes, we will provide additional notice (such as by email or through the Services). Your continued use of the Services after the effective date of the updated Terms constitutes your acceptance of the changes. If you do not agree to the revised Terms, you must stop using the Services and cancel any subscriptions.

15. Miscellaneous

• Entire agreement. These Terms, together with the Privacy Policy and any other legal notices or policies we publish, constitute the entire agreement between you and us regarding the Services and supersede any prior agreements or understandings.
• Severability. If any provision of these Terms is held to be invalid or unenforceable, that provision will be limited or eliminated to the minimum extent necessary and the remaining provisions will remain in full force and effect.
• Assignment. You may not assign or transfer these Terms or your rights and obligations under them without our prior written consent. We may assign these Terms without restriction. These Terms will bind and inure to the benefit of the parties, their successors and permitted assigns.
• Waiver. Our failure to enforce any provision of these Terms will not be deemed a waiver of that provision or any other provision.
• Electronic communications. By using the Services, you consent to receive communications from us electronically (e.g., via email, push notifications or by posting notices on the Services). You agree that all such communications satisfy any legal requirements that such communications be in writing.
• Contact information. The Services are operated by Kind of Good Apps, LLC. If you have any questions about these Terms, please contact us at support@myaifin.app.