Terms of Service for Tim - Personal Finance App

Effective Date: January 2, 2025
Last Updated: January 2, 2025

1. Agreement to Terms

By downloading, installing, or using the Tim - Personal Finance mobile application ("App"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the App.

2. Description of Service

Tim is a personal finance application that helps users:

• Connect and monitor bank accounts securely
• Track financial transactions and balances
• Analyze cash flow and spending patterns
• Receive financial insights and projections
• Access premium features through subscription

3. Subscription Terms and Billing

3.1 Subscription Plans

3.2 Billing and Payment

• Payment Processing: All payments are processed through Apple's App Store
• Billing Cycle: Monthly subscriptions renew automatically every 30 days
• Payment Method: Your Apple ID payment method will be charged
• Currency: Prices are in USD and may vary by region
• Tax: Applicable taxes will be added to your subscription price

3.3 Free Trial Terms

• Duration: 7 days from subscription activation
• Payment Method Required: Apple requires a valid payment method even for free trials
• Automatic Conversion: Trial automatically converts to paid subscription unless cancelled
• Cancellation: You may cancel anytime during the trial period without charge
• One Trial Per User: Free trial is limited to one per Apple ID

3.4 Automatic Renewal

• Auto-Renewal: Subscriptions automatically renew unless cancelled
• Renewal Notice: Apple will notify you before renewal
• Renewal Charge: Your payment method will be charged 24 hours before renewal
• Price Changes: We will notify you of any price changes with 30 days notice

4. Cancellation and Refund Policy

4.1 Cancellation Process

To Cancel Your Subscription:

1. Open iPhone Settings → Your Name → Subscriptions
2. Select "Tim - Personal Finance"
3. Tap "Cancel Subscription"
4. Confirm cancellation

Alternative Methods:

• Through the App Store app on your device
• Contact Apple Support directly
• Email us for assistance: support@timthemoneyapp.com

4.2 Effective Date of Cancellation

• During Trial: Cancellation is effective immediately with no charge
• During Paid Period: Service continues until the end of current billing cycle
• No Partial Refunds: We do not provide prorated refunds for partial months

4.3 Refund Policy

• Apple's Policy: Refunds are subject to Apple's App Store refund policy
• Refund Requests: Contact Apple Support for refund requests
• Our Assistance: We can help facilitate refund requests with Apple
• Exceptional Cases: We may consider refunds for technical issues preventing service use

5. Acceptable Use Policy

5.1 Permitted Uses

You may use the App to:

• Monitor your personal financial accounts
• Track your spending and income
• Analyze your financial patterns
• Receive financial insights and recommendations

5.2 Prohibited Uses

You may NOT use the App to:

• Access accounts you don't own or aren't authorized to access
• Share your account credentials with others
• Attempt to reverse engineer or hack the App
• Use the App for illegal activities
• Violate any applicable laws or regulations
• Interfere with other users' experience
• Upload malicious code or viruses

5.3 Account Security

You are responsible for:

• Maintaining the confidentiality of your login credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access
• Using strong, unique passwords

6. Privacy and Data Protection

Your privacy is important to us. Our collection and use of your information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the App, you consent to our Privacy Policy.

7. Financial Data and Plaid Integration

7.1 Bank Account Connection

• We use Plaid Inc. to securely connect to your bank accounts
• You authorize us to access your account information through Plaid
• We do not store your banking credentials
• Connection is read-only and cannot initiate transactions

7.2 Data Accuracy

• We strive to provide accurate financial information
• Data accuracy depends on information provided by financial institutions
• You should verify important information with your bank
• We are not responsible for errors in third-party data

8. Intellectual Property Rights

The App and its original content, features, and functionality are owned by Tim and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

9. Disclaimers and Limitation of Liability

9.1 Service Disclaimers

• The App is provided "as is" without warranties of any kind
• We do not guarantee continuous, uninterrupted access to the service
• Financial insights are for informational purposes only
• We are not a financial advisor or investment service

9.2 Limitation of Liability

To the maximum extent permitted by law, Tim shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses.

10. Termination

We may terminate or suspend your account and access to the service immediately, without prior notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties, or for any other reason.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law provisions.

12. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes via email or in-app notification. Your continued use of the service after such modifications constitutes acceptance of the updated Terms.

13. Contact Information

If you have any questions about these Terms, please contact us:

These Terms of Service were last updated on January 2, 2025.