Terms of Use

01

Acceptance and operator

“MoneyWhatIf,” “we,” “us,” and “our” refer to MoneyWhatIf. “You” and “your” refer to the individual or entity accessing the website, application programming interface, support channels, and related services that link to these Terms (collectively, the “Service”). These Terms take effect for you when you first accept them or first use the Service, whichever occurs earlier.

Operator

MoneyWhatIf

Legal contact

team@moneywhatif.com

Effective date

September 10, 2026

02

Eligibility and accounts

You must be at least 18 years old and legally capable of entering into a binding agreement. If you use the Service on behalf of an organization, you represent that you have authority to bind that organization, and “you” includes the organization.

You agree to provide accurate account information, to maintain a current email address, to safeguard your credentials and devices, and to notify us promptly of any suspected unauthorized access. You are responsible for activity conducted through your account to the extent permitted by law. You may not transfer your account or allow another person to use your credentials. We encourage you to enable a second sign-in factor from your profile page.

03

License and permitted use

Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, and revocable license to access and use the Service for lawful financial planning and exploration for yourself and your household. This license does not transfer ownership of the Service or of any software, model, design, or content we supply.

If you subscribe to the Professionals plan, the license additionally permits you to use the Service in the course of your professional work to maintain profiles for the clients you serve. In doing so, you represent that you hold each client’s authorization to enter and hold their information, that you will treat that information in accordance with applicable law and any professional obligations that bind you, and that you remain solely responsible for the advice you give.

04

Projections and no professional advice

Projections are estimates generated from the assumptions you select, from simplified rules, and from available reference data. They are not guarantees, valuations, offers, recommendations, or promises of future results. Tax laws, benefits, markets, prices, personal circumstances, and data sources can change, or can differ from the model. Actual results may differ materially from any projection.

You are solely responsible for reviewing the inputs and outputs and for any decision you make using them. Please consult appropriately qualified professionals before making a significant financial, investment, tax, legal, insurance, housing, credit, or retirement decision.

05

Your content and your privacy

As between you and the Operator, you retain ownership of the plan information, labels, assumptions, and other content you submit (“User Content”). You grant us a limited, worldwide, non-exclusive license to host, process, reproduce, and transmit User Content solely as reasonably necessary to operate, secure, maintain, and support the Service, to comply with law, and to carry out your instructions. This license ends when the content is deleted, subject to the limited backup, legal, and security retention described in the Privacy Policy.

You represent that you have the rights and permissions necessary to provide User Content and that it does not violate the law or the rights of any other person. Do not enter another person’s financial information without their authorization. The Privacy Policy is incorporated into these Terms and describes how personal information is handled; where these Terms and the Privacy Policy address the same matter, the provision that better protects your privacy applies.

Community submissions

The Service includes a public feature-request board. A request, comment, or vote you submit there is shown to other readers beside your display name once it has been reviewed. You grant us a non-exclusive, royalty-free license to display and use those submissions to operate the board and improve the Service, and you agree that we may edit, decline, or remove a submission at our reasonable discretion. Please do not include personal financial details in a submission; it is a public place.

06

Plan sharing

Plans are restricted by default. If you designate a recipient or enable anyone-with-the-link access, you instruct us to provide the selected access. You are responsible for your choice of recipients, for the information a plan contains, and for protecting any link you share. A recipient may copy, download, photograph, or otherwise retain information they are able to view. Revoking access prevents future access through the Service but cannot recover a copy a recipient has already made.

You may not share personal information unlawfully or without any permission the law requires. We may restrict sharing that reasonably appears unlawful, abusive, deceptive, or dangerous.

07

Subscriptions, billing, and refunds

Plans and prices

The Service offers free features, which may be used without payment, and paid subscription plans, which are currently named PRO and Professionals. Paid plans are billed annually, in advance, in United States dollars. The price of each plan, and any applicable tax, is shown on the upgrade page and again at checkout before you confirm. The features included in each plan are described in the Service and may be refined over time without reducing the substance of what you have paid for during a current term.

Free trial

The first subscription taken out on an account begins with a free trial of seven days. No charge is made when the trial starts. Unless you cancel before the trial ends, the payment method you provided will be charged the annual fee automatically on the day the trial ends, and your paid term begins on that day. One trial is available per account; cancelling and subscribing again does not start another.

Automatic renewal

A paid plan renews automatically for successive one-year terms, at the price then in effect for that plan, until you cancel it. We will notify you at the email address on your account at least 30 days before a price change takes effect at your next renewal, so that you may cancel beforehand if you wish. If a renewal payment fails, Stripe may retry it; if it remains unpaid, paid features may be suspended and the subscription cancelled.

Cancellation

You may cancel at any time through the billing portal reached from your billing page. Cancellation takes effect at the end of the current term: paid features remain available until that date, and no further charge is made. Deleting your account cancels any subscription immediately, and the remainder of the term is forfeited.

Upgrades

If you move from PRO to Professionals during a term, Stripe shows the prorated charge for the remainder of the term and applies it only after you confirm. An upgrade charge is subject to the refund policy below in the same way as any other fee.

No refunds

We state this plainly so that no one is surprised: once a fee has been charged, it will not be returned. The free features and the free trial exist so that you can confirm the Service meets your needs before any payment is taken, and cancelling during the trial costs nothing. Where the law of your place of residence grants you a non-waivable right to a refund, that right is unaffected, and we will honor it as the law prescribes.

Payment processing

Payments are processed by Stripe on its own pages and under its own terms. Card details are entered with Stripe and never reach us; we hold only a customer identifier and the status of your subscription. You authorize Stripe to charge the payment method you provide for the fees described in this section.

08

Prohibited conduct

You may not, and may not assist another person to:

• use the Service unlawfully, or to infringe, deceive, harass, exploit, or harm any person;
• access an account, plan, system, or data without authorization;
• evade or interfere with authentication, encryption, access controls, rate limits, or the boundaries of security testing;
• introduce malware or code intended to disrupt, damage, monitor, or obtain unauthorized access;
• scrape, crawl, automate, or burden the Service at a scale inconsistent with ordinary use;
• reverse engineer, decompile, or attempt to discover source code, except to the limited extent applicable law expressly permits;
• misrepresent an affiliation, impersonate another person, or submit false account information; or
• sell, sublicense, frame, mirror, or commercially exploit the Service without our written permission.

09

Intellectual property and feedback

The Service, including its software, calculations, models, interfaces, visual design, documentation, text, graphics, and branding, is owned by the Operator or its licensors and is protected by applicable intellectual property laws. Except for the limited license granted above, all rights are reserved.

If you voluntarily provide suggestions or feedback, you grant us a perpetual, irrevocable, worldwide, royalty-free right to use it for any lawful purpose without compensation or attribution. This feedback license does not transfer ownership of your User Content, and it does not authorize any use of your private financial plan.

10

Third-party services

The Service relies on third-party providers, including Google Firebase for authentication, Vercel and DigitalOcean for hosting, Stripe for payments, and Plaid for optional financial account connections. Their components may be subject to separate terms and privacy notices, and our agreements with them confine their use of your information to the services they perform for us. We do not control, and are not responsible for, an independent third-party website, product, or service. A link or integration does not imply endorsement.

11

Changes and availability

We may maintain, modify, add, suspend, or discontinue features, and may impose reasonable usage or security limits. We will provide notice where applicable law requires it. We do not guarantee uninterrupted, error-free, or permanent availability, or compatibility with every device or browser. Please keep an independent record of any information you cannot afford to lose.

We may revise these Terms prospectively. The effective date identifies the current version. We will give at least 30 days’ notice of a material change, unless a shorter period is required for legal or security reasons, and we will seek renewed affirmative acceptance where the law requires it. If you do not agree to the revised Terms, you must stop using the Service before they take effect.

12

Suspension and termination

You may stop using the Service at any time, delete individual plans, and delete your account from your profile page. We may suspend or terminate access where reasonably necessary to address a material or repeated breach of these Terms, to protect the Service or another person, to prevent fraud or abuse, or to comply with law. Where appropriate, we will provide notice and a reasonable opportunity to cure.

On termination, the license granted to you ends, and any fees already paid are not refunded, as described in the section on subscriptions. Provisions concerning intellectual property, feedback, fees, disclaimers, liability, indemnification, disputes, and general interpretation survive termination to the extent their nature requires.

13

Warranty disclaimer

Some jurisdictions do not permit certain warranty exclusions. In those jurisdictions, the exclusions above apply only to the extent permitted by law, and your mandatory consumer rights remain unaffected.

14

Limitation of liability

These limits do not apply to liability that cannot lawfully be excluded or limited, including, where applicable, liability for fraud, willful misconduct, or gross negligence.

15

Responsibility for third-party claims

To the extent permitted by law, you will defend, indemnify, and hold harmless the Operator and its personnel from any third-party claim, damage, judgment, loss, or reasonable cost arising from your unlawful use of the Service, from User Content that violates another person’s rights, or from your material breach of these Terms. We will provide reasonable notice of a covered claim and permit you to control its defense, subject to our right to participate with counsel of our choice. You may not settle a claim in a way that admits fault by us or imposes an obligation on us without our written consent.

16

Governing law and disputes

Except to the extent that mandatory law in your place of residence applies, these Terms and any dispute arising from them or from the Service are governed by the laws of the jurisdiction in which the Operator is principally established, without regard to conflict-of-laws rules. The parties consent to exclusive jurisdiction and venue in the courts having jurisdiction where the Operator is principally established. Either party may bring an eligible matter in small-claims court.

Before filing a claim, you and the Operator agree to make a good-faith effort, for at least 30 days, to resolve it informally. Send a written notice describing the dispute, the relief requested, and the relevant account email to the contact below. This informal process does not extend a legal deadline unless applicable law provides otherwise. These Terms do not require arbitration, and they do not waive any right to participate in a class action where that right exists.

17

General provisions

These Terms and the incorporated Privacy Policy constitute the entire agreement concerning the Service, unless a separate written agreement applies. If a provision is held unenforceable, it will be enforced to the maximum lawful extent, and the remaining provisions will remain in effect. A waiver must be express and applies only to the specific instance. Headings and the “In brief” summaries are for convenience and do not control interpretation.

You may not assign these Terms without our written consent. We will not assign these Terms in a manner that materially reduces your privacy or consumer rights without notice and any consent the law requires. We are not responsible for a delay or failure caused by events beyond our reasonable control. Notices may be delivered to the email address associated with your account or posted conspicuously in the Service. Electronic records and acceptance controls have the same effect as paper records and signatures to the extent permitted by law.