MyFundFlow Terms of Service

Effective Date: 10/01/2025

Last Updated: 10/11/2025

1. Acceptance of Terms

Welcome to MyFundFlow. These Terms of Service ("Terms") constitute a legal agreement between you and MyFundFlow LLC ("we," "us," or "our"), maker of MyFundFlow, and govern your access to and use of the MyFundFlow web application, mobile applications, and services (collectively, the "App" or "Services").

By creating an account, accessing, or using MyFundFlow, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not use the App.

2. Eligibility

To use MyFundFlow, you must:

Be at least 16 years of age (or, if the age of majority in your jurisdiction is greater than 16, have the consent of a parent or legal guardian to enter into this agreement)
Have the legal capacity to enter into a binding agreement
Not be prohibited from using the Services under applicable laws
Provide accurate and complete registration information
Be a resident of a jurisdiction where we are permitted to provide Services

By using the App, you represent and warrant that you meet these eligibility requirements.

3. Account Registration and Security

3.1 Account Creation

To access features, you must create an account by providing:

A valid email address
A secure password
Acceptance of these Terms and our Privacy Policy

3.2 Account Security

You are responsible for:

Maintaining the confidentiality of your account credentials
All activities that occur under your account
Notifying us immediately at support@myfundflow.app of any unauthorized access or security breach

You agree to:

Create a strong, unique password
Not share your account credentials with others
Use secure devices and networks to access the App
Enable biometric authentication (Face ID/Touch ID) if available on mobile devices

We are not liable for any loss or damage arising from your failure to protect your account credentials.

3.3 Account Termination

You may terminate your account at any time through the App settings. We reserve the right to suspend or terminate accounts that violate these Terms, engage in fraudulent activity, remain inactive for extended periods, or for any other reason at our sole discretion.

Upon account deletion:

All personal data is permanently deleted within 30 days
You cannot recover your account or data
You may create a new account if desired
Premium subscriptions are forfeited (see Refund Policy)

4. Description of Services

MyFundFlow is a personal budgeting and financial management tool that helps users:

Track income, expenses, and financial goals
Manage debt payments and savings targets
Create and monitor budgets
Analyze spending patterns and financial trends
Generate personalized financial allocation recommendations

What We Are NOT: MyFundFlow is NOT a financial institution, bank, investment advisor, credit repair service, debt consolidation company, or licensed financial planner. We provide budgeting software only.

4.1 Free and Premium Tiers

Free Tier:

Manual expense and income tracking
Basic budget creation
Savings goal setting
Debt tracking

Premium Tier (Subscription Required):

Bank account integration via Plaid
Automatic transaction import and categorization
Advanced financial insights and trends
Extended transaction history (beyond 12 months)
Priority customer support
Additional features (to be announced)

Premium features and pricing are subject to change. Current subscribers will be notified of any price changes at least 30 days in advance.

4.2 Financial Account Linking (Plaid Integration)

We offer the optional ability to link your bank accounts through Plaid Inc. ("Plaid"), a third-party service available to Premium users. By choosing to link accounts:

You authorize Plaid to access your financial information on your behalf
You grant us permission to access and store data retrieved by Plaid
You agree to Plaid's terms of service and privacy policy
You understand you can disconnect Plaid at any time
Historical transaction data remains in MyFundFlow after disconnection unless you manually delete it

Important: When you disconnect Plaid, we retain your historical transaction data to preserve your financial insights and progress. You have the option to delete all transaction history separately through your account settings.

4.3 Service Availability

We strive to provide reliable service but do not guarantee:

Uninterrupted or error-free operation
Freedom from viruses, bugs, or harmful components
Availability at all times or in all locations
Compatibility with all devices or browsers

We reserve the right to modify, suspend, or discontinue any part of the Services at any time with or without notice. We will provide reasonable notice for significant changes affecting premium subscribers.

5. Use of Services

5.1 Acceptable Use

You agree to use MyFundFlow only for lawful purposes and in accordance with these Terms. You agree NOT to:

Prohibited Activities:

Violate any applicable laws, regulations, or third-party rights
Impersonate any person or entity or misrepresent your affiliation
Use the App to transmit malware, viruses, or harmful code
Attempt to gain unauthorized access to our systems, servers, or other users' accounts
Reverse engineer, decompile, disassemble, or attempt to derive source code of the App
Use automated systems (bots, scrapers, scripts) to access the Services
Copy, modify, distribute, sell, or create derivative works of the App
Remove, alter, or obscure any proprietary notices, labels, or marks
Use the App for any commercial purpose without our written consent
Interfere with or disrupt the integrity, performance, or security of the Services
Collect or harvest user information or data
Frame or mirror any part of the Services without our permission

Financial Misuse:

Engage in money laundering, fraud, or illegal financial activities
Manipulate, falsify, or misrepresent financial information
Use the App to facilitate illegal transactions
Violate any financial regulations or laws

Abusive Behavior:

Harass, abuse, threaten, or harm others
Post offensive, defamatory, or inappropriate content
Spam or send unsolicited communications
Violate the intellectual property rights of others

Violation of these prohibitions may result in immediate account termination, legal action, and cooperation with law enforcement.

6. User Content and Data

6.1 Your Content

You retain ownership of all financial data, goals, budgets, notes, and other information you input into the App ("User Content"). By using the Services, you grant us a limited, non-exclusive, royalty-free license to use, store, process, and display your User Content solely to provide the Services to you.

This license terminates when you delete your content or account, except that we may retain:

Backups for up to 90 days (if backups are implemented)
Anonymized, aggregated data for product improvement
Data required by law to retain

6.2 Accuracy of Information

You are solely responsible for:

Ensuring the accuracy and completeness of all information you provide
Maintaining up-to-date financial information in the App
Verifying calculations and recommendations before taking action
Reviewing Plaid-imported transactions for accuracy

We are not responsible for:

Errors in data you manually enter
Inaccuracies in data imported from Plaid or your financial institutions
Financial decisions you make based on information in the App

6.3 Data Security and Loss

While we maintain security measures, you are responsible for:

Maintaining your own backup records of important financial information
Understanding that we do not currently maintain automated system backups
Accepting the risk of data loss due to technical failures, security incidents, or service termination

We are not liable for any loss of data, whether due to technical failures, account termination, security breaches, or other causes.

7. Financial Disclaimer

7.1 Not Financial Advice

MYFUNDFLOW IS A BUDGETING TOOL ONLY. WE DO NOT PROVIDE FINANCIAL, INVESTMENT, TAX, LEGAL, OR PROFESSIONAL ADVICE.

All calculations, recommendations, projections, and suggestions provided by the App are:

For informational and educational purposes only
Not personalized financial advice
Not a substitute for professional financial planning
Not guaranteed to be accurate, complete, or suitable for your situation

We are not:

Financial advisors, planners, or consultants
Investment advisors or brokers
Tax professionals or accountants
Licensed professionals in any financial capacity
Credit counselors or debt consolidation services
Insurance agents or brokers

7.2 No Guarantee of Results

We make no representations, warranties, or guarantees about:

The accuracy of financial calculations, projections, or recommendations
Your ability to achieve savings goals, reduce debt, or improve financial health
The suitability of any budgeting strategy for your circumstances
Financial outcomes from using the App
The performance of any linked financial accounts
Tax implications of financial decisions

Past performance does not guarantee future results.

7.3 Your Responsibility

You are solely and exclusively responsible for:

All financial decisions you make
Consulting qualified professionals (CPAs, financial advisors, attorneys) for personalized advice
Managing your actual income, expenses, debts, and financial obligations
Meeting your financial obligations to creditors, lenders, and others
Complying with tax laws, reporting requirements, and financial regulations
Verifying all information and calculations before taking action
Understanding your financial situation and risk tolerance

You use the App at your own risk.

8. Third-Party Services

8.1 Plaid Integration

Our integration with Plaid Inc. is subject to Plaid's terms of service and privacy policy, which you must accept before linking accounts. We are not responsible for:

Plaid's performance, availability, or reliability
The accuracy or completeness of data retrieved through Plaid
Any issues arising from your relationship with Plaid
Your financial institution's compatibility with Plaid
Changes Plaid makes to their services, policies, or pricing
Security incidents involving Plaid

If you experience issues with Plaid, you should contact Plaid support directly.

8.2 Stripe Payment Processing

Premium subscriptions are processed through Stripe, Inc. We do not store your payment card information—Stripe handles all payment processing securely. You agree to Stripe's terms of service and privacy policy. We are not responsible for:

Payment processing errors or failures
Stripe's fees or policies
Issues with your payment method
Disputes with Stripe

8.3 Third-Party Links

The App may contain links to third-party websites, services, or resources. We do not endorse or control these third parties and are not responsible for their content, privacy practices, terms of service, or availability. Your use of third-party services is at your own risk.

9. Intellectual Property Rights

9.1 Our Rights

The App and all associated content, features, functionality, software, design, code, algorithms, and documentation are owned by MyFundFlow LLC and protected by copyright, trademark, patent, and other intellectual property laws. This includes:

The "MyFundFlow" name, logo, and branding
App interface design and user experience
Proprietary algorithms, code, and methodologies
Documentation, help materials, and content
Database structure and design

9.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the App for personal, non-commercial purposes in accordance with these Terms. This license does not include the right to:

Resell, license, or commercially exploit the Services
Modify, adapt, translate, or create derivative works
Reverse engineer, decompile, or disassemble the App
Extract or copy source code or proprietary algorithms
Remove, alter, or obscure proprietary notices or branding
Use the App to build a competing product or service

9.3 Feedback and Suggestions

If you provide suggestions, ideas, feedback, or recommendations about the App ("Feedback"), you grant us a perpetual, irrevocable, worldwide, royalty-free, sublicensable license to use, implement, and commercialize such Feedback without compensation or attribution to you.

10. Subscription and Payment Terms

10.1 Free Tier

The basic version of MyFundFlow is currently free to use. We reserve the right to modify or discontinue free features at any time.

10.2 Premium Subscription

Premium features require a paid subscription. Subscription terms:

Billing:

Subscriptions billed monthly or annually (as selected)
Processed through Stripe payment processing
Automatically renew unless canceled
Prices displayed at time of purchase
Prices subject to change with 30 days notice

Payment Authorization:

By subscribing, you authorize recurring charges to your payment method
You must keep payment information current and valid
Failed payments may result in service suspension

Subscription Management:

Cancel anytime through account settings
Cancellation effective at end of current billing period
No prorated refunds for partial months

10.3 Pricing Changes

We reserve the right to change subscription pricing at any time. For existing subscribers:

30 days advance notice of price increases
Current rate honored until end of billing cycle
Option to cancel before increase takes effect

10.4 Free Trials

We may offer free trial periods for premium features:

Trial terms specified at time of offer
Credit card required; charged automatically after trial ends
Cancel during trial period to avoid charges
One trial per user

10.5 Refund Policy

No Refunds: All subscription fees are non-refundable except as required by law or as explicitly stated. We do not provide:

Refunds for partial subscription periods
Refunds for unused premium features
Refunds if account is terminated for Terms violations
Prorated refunds for early cancellation

Exceptions:

Billing errors (contact support@myfundflow.app)
Fraudulent charges (contact support immediately)
As required by applicable consumer protection laws

California Residents: You have the right to cancel within 72 hours of purchase for recurring subscriptions and receive a full refund, per California law.

11. Disclaimers and Limitation of Liability

11.1 "AS IS" Disclaimer

THE APP AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, RELIABILITY, OR QUALITY.

We do not warrant that:

The App will meet your requirements or expectations
The Services will be uninterrupted, timely, secure, or error-free
Any information, content, calculations, or recommendations will be accurate, complete, reliable, or suitable for your needs
Any defects, bugs, or errors will be corrected
The App is free from viruses, malware, or harmful components
Your data will be secure or not subject to loss
Third-party services (Plaid, Stripe) will function properly

11.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, MYFUNDFLOW LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OPPORTUNITIES ARISING FROM:

Your use or inability to use the Services
Any unauthorized access to or alteration of your data
Any errors, inaccuracies, omissions, or delays in content or data
Financial losses, damages, or adverse outcomes resulting from use of the App
Any decisions or actions you take based on information in the App
Third-party services, including Plaid, Stripe, or your financial institutions
Security breaches, data loss, or system failures
Any interruption, suspension, or termination of Services
Bugs, errors, or technical issues

EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING FROM THESE TERMS OR YOUR USE OF THE APP SHALL NOT EXCEED THE GREATER OF: (A) $100 (ONE HUNDRED US DOLLARS), OR (B) THE AMOUNT YOU PAID US IN SUBSCRIPTION FEES IN THE 12 MONTHS PRECEDING THE CLAIM.

11.3 Basis of the Bargain

You acknowledge that:

These disclaimers and limitations are fundamental elements of our agreement
We offer free and low-cost services specifically because of these limitations
Without these limitations, we could not provide the Services
You have read, understood, and accepted these limitations

11.4 Exceptions

Some jurisdictions do not allow limitation of certain warranties or liability for certain damages. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

12. Indemnification

You agree to indemnify, defend, and hold harmless MyFundFlow LLC and its officers, directors, employees, contractors, and agents from any and all claims, liabilities, damages, losses, costs, expenses, fees (including reasonable attorneys' fees) arising from:

Your violation of these Terms or our Privacy Policy
Your use or misuse of the Services
Your violation of any third-party rights, including intellectual property, privacy, or financial rights
Any content, data, or information you submit through the App
Your violation of applicable laws, regulations, or financial industry rules
Any financial decisions or actions you take based on the App
Fraudulent or illegal activity conducted through your account
Negligent or wrongful conduct

This indemnification obligation survives termination of these Terms.

13. Dispute Resolution and Arbitration

13.1 Informal Resolution

Before initiating any formal dispute resolution, you agree to first contact us at support@myfundflow.app to attempt to resolve the dispute informally. We will attempt to resolve disputes through good faith negotiation for at least 30 days.

13.2 Binding Arbitration

IF WE CANNOT RESOLVE A DISPUTE INFORMALLY, YOU AGREE THAT ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING FROM OR RELATING TO THESE TERMS, OUR PRIVACY POLICY, OR THE SERVICES (INCLUDING DISPUTES ABOUT THE VALIDITY, ENFORCEABILITY, OR SCOPE OF THIS ARBITRATION AGREEMENT) SHALL BE RESOLVED EXCLUSIVELY THROUGH BINDING ARBITRATION RATHER THAN IN COURT, except that either party may:

Seek injunctive or equitable relief in court for intellectual property violations
Bring a qualifying claim in small claims court

Arbitration Rules:

Conducted by the American Arbitration Association (AAA)
Governed by the AAA's Consumer Arbitration Rules
Held in California or another mutually agreed location
Conducted by a single, neutral arbitrator
Decision is final and binding (with limited appeal rights)
Judgment may be entered in any court of competent jurisdiction

Costs:

Each party pays their own attorneys' fees and costs
AAA filing fees and arbitrator costs split equally, unless applicable law requires otherwise

13.3 Class Action Waiver

YOU AGREE THAT ANY ARBITRATION OR PROCEEDING SHALL BE CONDUCTED ON AN INDIVIDUAL BASIS ONLY AND NOT AS A CLASS ACTION, CONSOLIDATED ACTION, REPRESENTATIVE ACTION, OR MASS ARBITRATION.

You waive your right to:

Participate in a class action lawsuit
Join in a class arbitration
Serve as a representative in a representative action
Consolidate your claim with other users' claims

If this class action waiver is found unenforceable, the entire arbitration agreement is void.

13.4 Opt-Out Right

You have the right to opt out of this arbitration agreement within 30 days of first accepting these Terms by sending written notice to support@myfundflow.app with subject line "Arbitration Opt-Out" and including your name, email, and statement that you wish to opt out. Opting out does not affect any other Terms provisions.

13.5 Exception for Small Claims

Notwithstanding the arbitration provision, either party may bring a qualifying claim in small claims court if it falls within that court's jurisdiction and proceeds on an individual (non-class) basis.

13.6 Governing Law and Venue

These Terms are governed by and construed in accordance with the laws of the State of California, United States, without regard to conflict of law principles.

If arbitration does not apply (e.g., due to opt-out or claims involving injunctive relief), you agree that any legal action shall be brought exclusively in the state or federal courts located in California, and you consent to personal jurisdiction in such courts.

14. General Provisions

14.1 Entire Agreement

These Terms, together with our Privacy Policy, Cookie Policy (for web users), and any other legal notices or agreements published in the App, constitute the entire agreement between you and MyFundFlow LLC regarding the Services and supersede any prior agreements, understandings, or communications.

14.2 Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining provisions remain in full force and effect. The invalid provision shall be modified to reflect the parties' intent as closely as possible.

14.3 Waiver

Our failure to enforce any right or provision in these Terms shall not constitute a waiver of that right or provision unless acknowledged and agreed to by us in writing. No waiver of any Term shall be deemed a further or continuing waiver of that Term or any other Term.

14.4 Assignment

You may not assign, transfer, delegate, or sublicense these Terms, your account, or any rights or obligations hereunder without our prior written consent. Any attempted assignment in violation of this provision is void.

We may assign our rights and obligations under these Terms without restriction, including to:

A parent company, subsidiary, or affiliate
A successor in interest (merger, acquisition, sale of assets)
Any third party with notice to you

14.5 No Third-Party Beneficiaries

These Terms do not create any third-party beneficiary rights except as explicitly stated. No third party has any right to enforce these Terms.

14.6 Force Majeure

We shall not be liable for any failure or delay in performing our obligations under these Terms due to circumstances beyond our reasonable control, including:

Acts of God, natural disasters, pandemics, epidemics
War, terrorism, civil unrest, government actions
Labor disputes, strikes, lockouts
Internet, telecommunications, or utility failures
Cyber attacks, data breaches (affecting third parties)
Acts or omissions of third-party service providers

14.7 Survival

Provisions that by their nature should survive termination shall survive, including:

Disclaimers, limitations of liability, and indemnification
Intellectual property rights
Dispute resolution and arbitration
Payment obligations
Provisions regarding data retention and deletion

14.8 Headings

Section headings are for convenience only and do not affect the interpretation of these Terms.

14.9 Electronic Communications

You consent to receive electronic communications from us, including emails, notifications, and in-app messages. These electronic communications satisfy any legal requirement that communications be in writing.

15. Changes to These Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by:

Posting updated Terms in the App with a new "Last Updated" date
Sending an email notification to your registered email address at least 30 days before changes take effect
Requiring acceptance of new Terms for continued use (for material changes)

Your continued use of the App after changes are posted constitutes acceptance of the modified Terms. If you do not agree to the new Terms, you must stop using the App and may request account deletion.

Material Changes include changes that:

Significantly expand our rights or limit your rights
Modify payment terms, refund policies, or subscription pricing
Alter dispute resolution procedures
Change data practices in ways that affect your privacy

For non-material changes (corrections, clarifications, formatting), we will update the "Last Updated" date and may not provide advance notice.

16. Termination

16.1 Termination by You

You may terminate your account at any time by:

Using the account deletion feature in App settings
Emailing support@myfundflow.app with subject "Account Deletion"

Upon termination:

Your access to the Services ceases immediately
Your account and personal data are deleted within 30 days
Premium subscriptions are canceled (no refunds for remaining period)
You may create a new account if desired (subject to these Terms)

16.2 Termination by Us

We reserve the right to suspend, restrict, or terminate your account and access to the Services at any time, with or without notice, for:

Violation of these Terms or our Privacy Policy
Fraudulent, abusive, illegal, or harmful activity
Non-payment of subscription fees
Extended periods of inactivity (after notice)
Technical, security, or legal reasons
Discontinuation of the Services

16.3 Effect of Termination

Upon any termination:

Your license to use the App immediately ends
We may delete your account and all associated data
You remain liable for any obligations incurred before termination
Outstanding subscription fees are still owed
Provisions that should survive (as listed in Section 14.7) remain in effect

16.4 No Refunds Upon Termination

If we terminate your account for Terms violations, you are not entitled to any refund of paid subscription fees.

17. Contact Information

If you have questions, concerns, or notices regarding these Terms, please contact us:

Email: support@myfundflow.app

Website: https://myfundflow.app

Legal Notices: support@myfundflow.app (subject: "Legal Notice")

Privacy Concerns: support@myfundflow.app (subject: "Privacy")

Billing Issues: support@myfundflow.app (subject: "Billing")

Business Information:

Legal Entity: MyFundFlow LLC
Location: California, United States

In-App Support: Available through app settings under "Help & Support"

Acknowledgment

BY CREATING AN ACCOUNT OR USING MYFUNDFLOW, YOU ACKNOWLEDGE THAT:

You have read, understood, and agree to be bound by these Terms of Service
You have read and agree to our Privacy Policy
You understand this is a budgeting tool, not financial advice
You accept the disclaimers and limitations of liability
You agree to binding arbitration and waive your right to a class action
You are at least 16 years old (or have parental/guardian consent if the age of majority in your jurisdiction is greater than 16)
You will use the Services only for lawful purposes

These Terms contain important provisions, including an arbitration clause and class action waiver that affect your legal rights, and significant disclaimers of warranties and limitations of liability. Please read them carefully.

Last Updated: 10/11/2025

Version: 1.0

These Terms are effective as of the date you first access or use MyFundFlow, whichever is earlier.