Terms & Conditions

These Terms & Conditions ("Terms") govern your use of MoneyYogi, a personal finance application provided by MoneyYogi LLC, a Texas limited liability company ("MoneyYogi", "we", "us"). By creating an account or otherwise using the service you agree to these Terms.

1. The Service

MoneyYogi is a read-only personal finance organizer. We help you see your accounts, transactions, budgets, and goals in one place. The MoneyYogi service is not a bank, broker-dealer, investment adviser, or tax preparer, does not move money, does not hold deposits, does not execute trades, and does not file taxes on your behalf. Connections to financial institutions through Plaid are read-only.

MoneyYogi is operated by Josh Humada, who is also the owner of Money Holistics LLC, a Registered Investment Adviser in the State of Texas. Money Holistics is a separate firm. Using MoneyYogi does not create an advisory, brokerage, or fiduciary relationship with Money Holistics or Josh Humada, and no investment advice is provided through the MoneyYogi app.

2. Eligibility & Account

You must be at least 18 years old (or the age of majority in your state) and have the legal capacity to enter into a binding contract. MoneyYogi is offered only to residents of the United States. You're responsible for the accuracy of the information you provide and for safeguarding your credentials. You must notify us promptly of any unauthorized use of your account.

3. Acceptable Use

You agree not to:

• use the service for unlawful purposes, fraud, or spam;
• infringe intellectual property or privacy rights;
• introduce malware or interfere with the security or integrity of the service;
• scrape, probe, reverse engineer, or circumvent technical limits;
• resell or redistribute the service without our written permission.

4. AI Features & Acceptable Use

MoneyYogi includes AI-powered features (the in-app chat, categorization assistance, and related "skills") that send your prompts and relevant context to large language models operated by our AI providers in order to generate a response. When using these features, you agree:

• not to submit prompts intended to generate illegal, harmful, hateful, sexually exploitative, or deceptive content, malware, or content that infringes others' rights;
• not to attempt to jailbreak, prompt-inject, or otherwise circumvent safety controls;
• you are responsible for your prompts and for any decisions you take based on AI output;
• AI output can be incomplete, out of date, or wrong. It is provided for organizational and informational purposes only and is not financial, investment, legal, or tax advice;
• we may filter, refuse, log, or restrict AI requests and responses to enforce these Terms or protect the service.

5. Spaces & Shared Access

MoneyYogi organizes data into "Spaces" (e.g. a Personal space and one or more Business spaces). The user who creates a Space is its owner and is the contracting party for billing, membership, and deletion of that Space. The owner may invite additional members as editors (who can change data) or viewers (read-only). Every invited member must have their own MoneyYogi account and agrees to these Terms upon accepting an invitation. By inviting a member, the owner authorizes us to share that Space's data with them in line with their role.

6. Intellectual Property

MoneyYogi and all related software, branding, and documentation are owned by MoneyYogi LLC. We grant you a limited, non-exclusive, non-transferable right to use the service within the plan you have purchased. You retain ownership of the content you input; you grant us a limited license to host and process it solely to provide the service.

7. Subscription, Payment, Taxes, and Renewals

MoneyYogi is offered as a paid subscription with a 14-day free trial. Plans are $20 USD per month or $199 USD per year, plus applicable sales tax where required. Your subscription will automatically renew at the end of each billing period (monthly or annually) at the then-current price, until you cancel. You authorize MoneyYogi and our payment processor to charge your payment method on each renewal.

Seller and payment processor. MoneyYogi LLC is the seller of your subscription and is responsible for billing, refunds, and customer support. We use Stripe, Inc. as our payment processor to accept and process payments; your payment method is stored by Stripe, not by MoneyYogi.

How to cancel. You can cancel at any time from Settings → Subscription, which opens the Stripe billing portal for your account. Cancellation takes effect at the end of the current billing period; you keep access until then.

Annual renewal reminders. For annual subscriptions, we will send you an email reminder between 3 and 21 days before each renewal.

8. Refunds

See our Refund Policy.

9. Service Levels & Warranties

The service is provided on an "as is" and "as available" basis. We do not guarantee uninterrupted or error-free performance. To the fullest extent permitted by law, we disclaim all implied warranties including merchantability and fitness for a particular purpose. MoneyYogi does not provide financial, investment, legal, or tax advice; information shown is for organizational purposes only and you remain responsible for your financial decisions. Optional 1:1 coaching calls offered through MoneyYogi are educational, not advisory; see the coaching page for the full disclosure.

10. Suspension & Termination

We may suspend or terminate access for material breach of these Terms, non-payment, security or fraud risk, or repeated or serious policy violations. On termination, your access ends; you may export your data within a reasonable window before deletion.

11. Liability

To the fullest extent permitted by law, our aggregate liability under these Terms is capped at the fees you paid us in the 12 months prior to the event giving rise to the claim. We are not liable for indirect, consequential, or special damages, including loss of profits, data, or goodwill. Nothing in these Terms limits liability for fraud, death, or personal injury where such limitation is prohibited by law.

12. Indemnification

You agree to indemnify and hold harmless MoneyYogi LLC from third-party claims arising out of your content, your unlawful use of the service, or your violation of these Terms. This obligation does not apply to claims arising from (a) MoneyYogi's gross negligence or willful misconduct, or (b) MoneyYogi's own infringement of a third party's intellectual property.

13. Governing Law

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-laws principles. Subject to Section 13a, disputes will be resolved in the state or federal courts located in Texas.

13a. Binding Individual Arbitration; Class-Action Waiver

Please read this section carefully, it affects your legal rights.

Any dispute, claim, or controversy arising out of or relating to these Terms or the service ("Dispute") will be resolved by binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, rather than in court, except as set out below. The arbitrator (not any court) has exclusive authority to resolve any Dispute, including the scope or enforceability of this arbitration agreement.

Class-action waiver. You and MoneyYogi each agree that Disputes will be brought only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative proceeding.

Carve-outs. Either party may bring an individual claim in small-claims court for matters within its jurisdiction, and either party may seek injunctive relief in court for actual or threatened infringement, misappropriation, or violation of intellectual property rights.

30-day opt-out. You may opt out of this arbitration agreement by emailing josh@moneyyogi.ai with the subject "Arbitration Opt-Out" within 30 days of first accepting these Terms. Your email must include your account email and a clear statement that you wish to opt out. Opting out does not affect any other part of these Terms.

Arbitration will take place in Travis County, Texas (or by video at the consumer's election). Each party bears its own attorneys' fees except as the arbitrator may award under applicable law.

14. Changes

We may update these Terms from time to time. We will post the updated Terms with a new "Updated" date and, for material adverse changes, will notify you by email or in-app at least 30 days before the change takes effect. Your continued use after the effective date constitutes acceptance.

15. Contact

MoneyYogi LLC, questions about these Terms can be sent to josh@moneyyogi.ai or through in-app support.