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. MoneyYogi is not a bank, broker-dealer, investment advisor, or tax preparer. We do not move money, hold deposits, execute trades, or file taxes on your behalf. Connections to financial institutions through Plaid are read-only.

2. Eligibility & Account

You must be at least 13 years old (and of legal age in your jurisdiction to form a binding contract) and have authority to bind any organization you sign up on behalf of. 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• AI output can be incomplete, out of date, or wrong.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, and Renewals

MoneyYogi is offered as a paid subscription with a free trial period. Subscriptions renew automatically until canceled. Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders. Paddle provides all customer service inquiries and handles returns. Payment, billing, tax, cancellation and refund mechanics are governed by the Paddle Buyer Terms.

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.

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 MoneyYogi LLC from claims arising out of your content, your unlawful use of the service, or your violation of these Terms.

13. Governing Law

These Terms are governed by the laws of the State of Texas, without regard to conflict-of-laws principles. Disputes will be resolved in the state or federal courts located in Texas, unless otherwise required by law.

14. Changes

We may update these Terms from time to time. Material changes will be communicated in the app or by email. Your continued use after the effective date constitutes acceptance.

15. Contact

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