Terms of Service

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Introduction

These Terms of Service ("Terms") govern your access to and use of the Custom Money platform, website, and services (collectively, the "Service"). Custom Money ("we," "our," or "us") provides a personalized financial podcast service that delivers tailored financial content based on your individual financial situation.

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By accessing or using our Service, you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Service.

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Eligibility

You must be at least 18 years old to use our Service. By using the Service, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms.

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Account Registration

To access certain features of the Service, you may need to create an account. You agree to provide accurate, current, and complete information during the registration process and to update such information to keep it accurate, current, and complete.

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You are responsible for safeguarding your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account.

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User Content and Conduct

When you provide information about your financial situation, ask questions, or otherwise submit content through the Service ("User Content"), you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, adapt, publish, and display such User Content for the purpose of providing and improving the Service.

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You are solely responsible for your User Content and your interactions with other users of the Service. You agree not to:

• Provide false or misleading information
• Use the Service for any illegal purpose
• Attempt to access another user's account
• Interfere with or disrupt the Service
• Circumvent any security features
• Use the Service to transmit harmful code or content

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Financial Advice and Content Disclaimer

Our Financial Advice

Custom Money provides personalized financial advice and guidance in many areas, including but not limited to:

• Budgeting and expense management
• Debt reduction strategies
• Savings goals and techniques
• Financial habit formation
• General retirement planning concepts
• Personal financial organization
• Financial goal setting and prioritization
• Credit management and improvement
• Financial wellness and mindset

In these areas, we offer specific, personalized advice tailored to your unique financial situation based on the data you provide and your stated goals.

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Regulated Financial Activities Disclaimer

IMPORTANT: For certain regulated financial areas, our content is for educational and informational purposes only.

When our Service addresses topics related to securities, specific investments, or other regulated financial products and services:

• This information is provided for general educational purposes
• We are not registered investment advisors or broker-dealers
• We do not provide personalized advice regarding specific securities or investment decisions
• Any discussion of investment strategies, market trends, or specific financial products should be considered general educational information only

For decisions regarding specific investments, securities, or other regulated financial products, we strongly recommend consulting with qualified financial professionals such as registered investment advisors who can provide personalized advice based on your complete financial situation and goals.

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Financial Account Connections

Our Service may allow you to connect your financial accounts through secure third-party integrations. By connecting financial accounts, you authorize us to access your financial data for the purpose of providing personalized content.

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You acknowledge that:

• We do not store your financial institution login credentials
• You are responsible for complying with the terms of service for your financial institutions
• You may need to periodically reauthorize account connections
• We are not responsible for errors, delays, or inaccuracies in the financial data provided by third parties

Subscription and Fees

We may offer subscription-based access to our Service. By subscribing to a paid plan, you agree to pay all fees in accordance with the payment terms. Unless otherwise stated, all fees are quoted in U.S. Dollars.

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We may change our subscription fees at any time, but we will provide notice of any fee change before it takes effect. If you do not agree to a fee change, you may cancel your subscription before the change takes effect.

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Affiliate Marketing and Product References

Our Service may include information about financial products or services. We may receive compensation from third parties when you purchase, apply for, or otherwise engage with these mentioned products or services. We strive to recommend products that align with your financial situation and goals.

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When we mention specific financial products or services related to securities, investments, or other regulated financial activities, such mentions are provided for educational and informational purposes. For non-regulated financial products and services (such as budgeting apps, debt reduction services, etc.), our recommendations may be more specific and tailored to your situation.

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Intellectual Property

All content, features, and functionality of the Service, including but not limited to text, graphics, logos, icons, images, audio clips, and software, are the exclusive property of Custom Money or our licensors and are protected by copyright, trademark, and other intellectual property laws.

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You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, or transmit any of the material on our Service without our express prior written consent.

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Privacy

Your privacy is important to us. Our Privacy Policy, which is incorporated into these Terms by reference, explains how we collect, use, and protect your information. By using our Service, you consent to the collection and use of information as described in our Privacy Policy.

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Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT ANY CONTENT OR INFORMATION PROVIDED WILL BE ACCURATE, RELIABLE, COMPLETE, OR USEFUL.

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Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL CUSTOM MONEY OR ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• YOUR ACCESS TO OR USE OF, OR INABILITY TO ACCESS OR USE, THE SERVICE
• ANY CONTENT OBTAINED FROM THE SERVICE
• UNAUTHORIZED ACCESS TO OR USE OF OUR SERVERS
• ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SERVICE
• ANY FINANCIAL DECISIONS MADE BASED ON INFORMATION PROVIDED THROUGH THE SERVICE

OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING FROM THESE TERMS OR YOUR USE OF THE SERVICE WILL NOT EXCEED THE AMOUNT YOU HAVE PAID TO US IN THE PAST SIX MONTHS (OR $100 IF YOU HAVE NOT MADE ANY PAYMENTS TO US).

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Indemnification

You agree to indemnify, defend, and hold harmless Custom Money and its officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from:

• Your use of the Service
• Your User Content
• Your violation of these Terms
• Your violation of any rights of another person or entity

Termination

We may suspend or terminate your access to the Service at any time, for any reason, without notice. Upon termination, your right to use the Service will immediately cease.

All provisions of these Terms that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

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Changes to Terms

We may modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on our website with a new effective date. Your continued use of the Service after such changes constitutes your acceptance of the new Terms.

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Governing Law and Dispute Resolution

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.

Any dispute arising from these Terms or your use of the Service shall be resolved through:

1. Informal negotiation - We encourage you to contact us first to try to resolve the dispute
2. Mediation - If negotiation is unsuccessful, either party may initiate mediation in San Francisco, California
3. Arbitration - If mediation is unsuccessful, the dispute will be resolved by binding arbitration in accordance with the rules of the American Arbitration Association

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Class Action Waiver

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. If this specific provision is found to be unenforceable, then the arbitration provision shall be null and void.

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Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that the remaining provisions will continue in full force and effect.

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Assignment

You may not assign or transfer these Terms or your rights under these Terms without our prior written consent. We may assign our rights and obligations under these Terms without restriction.

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Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Custom Money regarding your use of the Service and supersede all prior agreements and understandings.

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Contact Information

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

Email: legal@custommoney.ai