Terms of Use

2Eligibility

You represent and warrant that you are at least the age of majority in your jurisdiction of residence, that you have the legal capacity to enter into a binding agreement, and that you are not barred from using the Services under any applicable law. If you are using the Services on behalf of any entity, you further represent and warrant that you are duly authorized to bind that entity to these Terms, in which case "you" shall refer to both you individually and such entity.

3The Services

The Services are intended to assist you in viewing and organizing certain financial information, establishing spending alert rules, tracking recurring charges, and related purposes. We may, in our sole discretion and without any obligation to do so, modify, enhance, suspend, or discontinue all or any portion of the Services, or impose limits on certain features, at any time and without prior notice. The features and functionality available to you may vary depending on your device, your configuration, your subscription status, and other factors that we determine from time to time.

You acknowledge that the Services depend in part on connectivity, third-party providers, and information supplied by or through your financial institutions, and that the availability, accuracy, timeliness, and completeness of information presented through the Services cannot be, and are not, guaranteed.

4Accounts and security

To access certain features you may be required to register for an account. You agree to provide information that is accurate, current, and complete, and to maintain and promptly update such information as necessary. You are responsible for maintaining the confidentiality of your credentials and authentication factors and for all activity that occurs under your account, whether or not authorized by you. You agree to notify us promptly of any actual or suspected unauthorized use of your account. We may, without liability to you, suspend or restrict access where we reasonably believe it is necessary to protect the security or integrity of the Services.

5Carpe Pro, billing, and trials

Certain features of the Services are made available on a subscription basis under the designation "Carpe Pro". By enrolling in a subscription, you authorize us and our payment processors to charge, on a recurring basis, the applicable fees then in effect, together with any applicable taxes, using the payment method you provide, until such subscription is cancelled in accordance with these Terms.

• Automatic renewal. Subscriptions renew automatically at the end of each billing period, at the then-current rate, unless cancelled prior to the renewal date through the applicable controls, which may include those of the app marketplace through which you subscribed.
• Free trials. Where a free trial is offered, you may be charged the applicable fee at the conclusion of the trial period unless you cancel beforehand. We reserve the right to determine eligibility for, and to modify or withdraw, any trial offer at any time.
• Price changes. We may modify subscription fees from time to time. Where required, we will endeavor to provide reasonable advance notice; any modified fee will apply to billing periods commencing after the effective date of the change.
• Cancellation and refunds. You may cancel at any time, with effect at the end of the then-current billing period. Except where required by applicable law or as we may otherwise determine in our sole discretion, payments are non-refundable and partial periods are not prorated.

6Third-party services

The Services may interoperate with, rely upon, or provide access to services, content, or applications operated by third parties, including without limitation the data-aggregation provider through which bank connections are facilitated and the application marketplaces through which the Services are distributed. Your use of any such third-party service is governed by the applicable third party's own terms and policies, over which we exercise no control and for which we assume no responsibility or liability. We make no representation or warranty regarding, and shall not be responsible for, the availability, accuracy, or practices of any third-party service.

7Acceptable use

You agree not to, and not to permit or enable any third party to: (a) access or use the Services in violation of any applicable law or regulation; (b) reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code or underlying structure of the Services, except to the limited extent such restriction is expressly prohibited by applicable law; (c) interfere with, disrupt, or impose an unreasonable load upon the Services or any related infrastructure; (d) circumvent, disable, or otherwise interfere with any security or access-control feature; (e) use any automated means to access, scrape, or harvest data from the Services other than as we may expressly permit; or (f) use the Services for any purpose that we reasonably determine to be unlawful, fraudulent, abusive, or otherwise contrary to these Terms.

8Intellectual property

The Services, including all software, designs, text, graphics, marks, and other content made available by us (excluding your data and any third-party content), are and shall remain the exclusive property of Carpe Money and its licensors, and are protected by intellectual-property and other laws. Subject to your compliance with these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Services for your own personal, non-commercial purposes. All rights not expressly granted are reserved. Nothing in these Terms transfers to you any right, title, or interest in or to our intellectual property.

9Your content and feedback

You retain such rights as you may have in the information and content you provide. To the extent necessary to operate and provide the Services, you grant us a limited, worldwide, royalty-free license to host, process, and display such content solely for that purpose. If you elect to provide suggestions, ideas, or other feedback, you agree that we may use such feedback for any purpose, without restriction, attribution, or compensation, and you hereby assign to us all rights you may have therein to the maximum extent permitted by law.

10No financial advice

The Services are provided for informational and organizational purposes only and do not constitute, and should not be construed as, financial, investment, accounting, tax, legal, or other professional advice. Any decisions you make in reliance on information presented through the Services are made solely at your own discretion and risk, and you are encouraged to consult a qualified professional before making any financial decision.

11Disclaimer of warranties

The Services are provided on an "as is" and "as available" basis, without warranties of any kind, whether express, implied, statutory, or otherwise. To the maximum extent permitted by applicable law, we disclaim all warranties, including any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, and any warranties arising out of course of dealing or usage of trade.

Without limiting the foregoing, we do not warrant that the Services will be uninterrupted, timely, secure, or error-free, that any information presented will be accurate or complete, or that any defect will be corrected. Some jurisdictions do not allow the exclusion of certain warranties, and accordingly some of the foregoing exclusions may not apply to you.

12Limitation of liability

To the maximum extent permitted by applicable law, in no event shall Carpe Money, its affiliates, or their respective officers, directors, employees, or agents be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenues, data, goodwill, or other intangible losses, arising out of or in connection with the Services or these Terms, whether based in contract, tort, or any other theory of liability, and whether or not we have been advised of the possibility of such damages.

To the maximum extent permitted by applicable law, our aggregate liability arising out of or relating to the Services or these Terms shall not exceed the greater of the amounts you paid to us for the Services during the twelve months preceding the event giving rise to the claim, or fifty United States dollars.

Some jurisdictions do not allow the limitation or exclusion of liability for certain damages, and accordingly some of the foregoing limitations may not apply to you.

13Indemnification

You agree to indemnify, defend, and hold harmless Carpe Money and its affiliates, and their respective officers, directors, employees, and agents, from and against any and all claims, liabilities, damages, losses, and expenses, including reasonable attorneys' fees, arising out of or in any way connected with your access to or use of the Services, your violation of these Terms, or your violation of any right of any third party.

14Term and termination

These Terms remain in effect for so long as you access or use the Services. We may, in our sole discretion and without liability, suspend, restrict, or terminate your access to all or any portion of the Services at any time, with or without cause and with or without notice, including where we reasonably believe that you have violated these Terms. You may terminate these Terms at any time by ceasing to use the Services and, where applicable, deleting your account. Provisions that by their nature should survive termination, including without limitation Sections 8 through 13 and Sections 16 and 17, shall survive.

15Modifications

We reserve the right, in our sole discretion, to modify, revise, or replace these Terms at any time. When we do so, we will revise the "Last updated" date above and, where we consider it appropriate, provide additional notice by means we deem reasonable. Any modified Terms will become effective upon posting or on such other date as we may specify, and your continued access to or use of the Services thereafter will constitute your acceptance of the modified Terms.

16Governing law and disputes

These Terms, and any dispute or claim arising out of or in connection with them or the Services, shall be governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict-of-laws principles. To the extent permitted by applicable law, you and Carpe Money agree that any dispute shall be resolved on an individual basis, and each party waives any right to participate in a class, collective, or representative proceeding. Nothing in this Section shall preclude either party from seeking injunctive or equitable relief in a court of competent jurisdiction where otherwise available.

17General provisions

These Terms, together with any documents incorporated herein by reference, constitute the entire agreement between you and Carpe Money with respect to the Services and supersede all prior or contemporaneous understandings. If any provision is held to be invalid or unenforceable, that provision shall be enforced to the maximum extent permissible and the remaining provisions shall remain in full force and effect. Our failure to enforce any right or provision shall not constitute a waiver of such right or provision. You may not assign or transfer these Terms without our prior written consent; we may assign these Terms freely. There are no third-party beneficiaries to these Terms.

18How to contact us

Questions regarding these Terms may be directed to us at support@carpemoney.app. We will endeavor to review and respond to such correspondence within a reasonable period.