Terms of Service
These terms summarize your rights and obligations when using Your Money-App. Please read them carefully.
1. Acceptance of terms
By creating an account or using Your Money-App, you agree to these terms of service. If you do not agree, please stop using the app and delete your account. We may update these terms from time to time and will notify you of material changes through the app or email.
2. Description of service
Your Money-App is a peer-to-peer money transfer and messaging app. You can send and receive funds with people you have added as friends, chat with those friends in the app, and withdraw your balance to a linked bank account. Your Money-App is not a bank; payment processing is performed by our partners Stripe and Plaid.
3. Eligibility
You must be at least 18 years old, a legal resident of the United States, and legally able to enter into a binding contract to use Your Money-App. Your Money-App supports U.S. dollars only. Each person may maintain only one account, and accounts are personal and non-transferable.
4. Account responsibilities
You are responsible for keeping your login credentials, device PIN, and biometric authentication confidential. Do not share your account with anyone. The information you provide must be accurate and kept up to date. You are responsible for all activity that occurs through your account, so notify us immediately at support@yourmoney.app if you suspect unauthorized access.
5. User conduct
You agree not to use Your Money-App for fraud, harassment, money laundering, gambling, scams, or any other illegal activity. You may not impersonate others, send unsolicited or abusive messages, or attempt to gain unauthorized access to the service. You can report or block another user from their profile screen or the chat screen, and we may investigate, remove content, or suspend accounts that violate these rules. We review reports within 24 hours.
6. Payments and fees
Peer-to-peer transfers between friends are free. Withdrawals to a linked bank account may carry a small fee, which is disclosed in the app before you confirm each withdrawal. Payments are processed by Stripe, and bank linking is performed by Plaid. If you believe a transaction is incorrect, contact support@yourmoney.app; chargebacks and disputes are handled in accordance with Stripe’s policies and applicable law.
7. Prohibited uses
Your Money-App is for personal use between friends only. You may not use it for business or merchant payments, international transfers, cryptocurrency or virtual currency transactions, securities or investment activity, or to facilitate goods and services payments. Accounts engaged in prohibited activity may be suspended and funds held pending review.
8. Limitation of liability
Your Money-App is provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we are not liable for losses arising from user error, mistyped recipients, outages or errors at third-party providers (including Stripe and Plaid), or unauthorized access caused by your failure to secure your credentials or device. Our aggregate liability for any claim is limited to the fees you paid us in the prior twelve months.
9. Termination
We may suspend or terminate your account if you violate these terms or if required by law. You may delete your account at any time from Settings. Some transaction records may be retained after deletion for legal, regulatory, or fraud-prevention purposes.
10. Modifications
We may modify these terms to reflect changes in our service, the law, or our partners’ requirements. When we do, we will update the “Last updated” date at the top of this page. Your continued use of Your Money-App after notice of a change constitutes acceptance of the revised terms.
11. Governing law
These terms are governed by the laws of the State of Delaware, United States, without regard to its conflict-of-laws rules. Any disputes will be resolved in the state or federal courts located in Delaware, and you consent to that venue.
12. Contact
Questions about these terms can be sent to support@yourmoney.app. We aim to respond within two business days.