Terms of Service

1. Acceptance of Terms

By downloading, installing, or using the FitPockets 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. These Terms constitute a legally binding agreement between you and FitPockets LLC ("FitPockets," "we," "us," or "our").

2. Account Creation

To use certain features of the App, you must create an account. You agree to provide accurate, current, and complete information and to keep your account information updated. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.

3. Subscription Plans

FitPockets offers the following subscription tiers:

• Rookie (Free): Manual budgeting, FPI score, dual-income mode
• Semi-Pro ($4.99/month): All Rookie features plus Plaid connectivity, budget reconciliation, and financial statements
• Pro ($14.99/month): All Semi-Pro features plus AI Financial Coach and dashboard customization

All paid subscriptions are processed through Apple's in-app purchase system. Prices are in USD and subject to change with notice.

4. Payment and Billing

All payments are processed by Apple through your Apple ID account. FitPockets does not directly process, store, or have access to your payment information. For billing issues, refunds, or subscription management, you must contact Apple or visit your Apple ID Account Settings.

5. Cancellation

You may cancel your subscription at any time through your Apple ID Account Settings. Cancellation takes effect at the end of the current billing period. You will retain access to paid features until the end of the period for which you have paid.

6. Refund Policy

All refund requests must be directed to Apple, as payments are processed through Apple's in-app purchase system. FitPockets does not process refunds directly. To request a refund, visit reportaproblem.apple.com.

7. Acceptable Use

You agree not to:

• Use the App for any unlawful purpose
• Attempt to gain unauthorized access to any part of the App or its infrastructure
• Reverse engineer, decompile, or attempt to extract the source code of the App
• Use the App to harm, threaten, or harass other users
• Interfere with or disrupt the integrity or performance of the App

8. Intellectual Property

The App and all its content, features, and functionality (including but not limited to text, graphics, logos, and software) are owned by FitPockets LLC and are protected by United States and international copyright, trademark, and other intellectual property laws. The FitPockets Index (FPI) scoring methodology is proprietary to FitPockets LLC.

9. Disclaimers — Not Financial Advice

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, FITPOCKETS LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR USE OF OR INABILITY TO USE THE APP.

11. Governing Law

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

12. Apple EULA

Your use of the App is also subject to Apple's Standard End User License Agreement (EULA).

13. Privacy Policy

Your use of the App is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

14. Contact

For questions about these Terms, contact us at support@fitpockets.co.