DRAFT, pending attorney review. Not yet in effect.

Weekfund Terms of Service

DRAFT, have an attorney review. This is a starting draft, not legal advice. Replace every [BRACKETED] placeholder. The subscription terms were drafted with Florida Stat. 501.165, the federal Restore Online Shoppers' Confidence Act (ROSCA, 15 U.S.C. 8401 to 8405) and California's Automatic Renewal Law (Bus. & Prof. Code 17600 and following, as amended by AB 2863, effective July 1, 2025) in mind. Notes on each are in COMPLIANCE-NOTES.md.

Effective date: [EFFECTIVE DATE] These Terms are an agreement between you and [LLC NAME], a Florida limited liability company, [STREET ADDRESS] ("Weekfund", "we", "us"). By using Weekfund you agree to these Terms and our Privacy Policy.

1. Eligibility

You must be at least 18 and able to form a binding contract. Weekfund is for personal and small-business budgeting in the United States.

2. What Weekfund is (and is not)

Weekfund is an educational budgeting and planning tool. It is not a bank, lender, broker, investment adviser, tax preparer, credit counselor or debt collector, and it does not provide financial, investment, tax or legal advice. See the Disclaimer, which is part of these Terms. We do not hold, move, lend, invest or transfer money.

3. Free and Plus plans

Weekfund Free is free with no time limit. Weekfund Plus is a paid subscription with extra features described on our Pricing page. We may add, change or remove features. If we remove a major Plus feature you rely on, you may cancel and request a prorated refund of any prepaid annual fee.

4. Free trial

• New Plus subscribers may receive one 30-day free trial. A payment method is required to start it.
• Unless you cancel before the trial ends, your subscription starts automatically and your payment method is charged the plan price shown at sign-up ($5.99 per month, $39.99 per year, or the founding-member price of $3.99 per month if you qualify), plus any applicable tax.
• We will remind you by email at least [3 to 7] days before your trial ends.
• If you cancel during the trial you will not be charged. One trial per person; we may limit trials to prevent abuse.

5. Automatic renewal

• Your Plus subscription renews automatically at the end of each billing period (monthly or yearly) and your payment method is charged the then-current price for your plan until you cancel.
• The price, billing frequency, trial length and how to cancel are shown to you before you subscribe, and you must check a box or press a clearly labeled button agreeing to them.
• Annual plans: we will email you a reminder at least 30 and no more than 60 days before each yearly renewal, stating that the plan will renew unless you cancel and how to cancel.
• We will also send an annual reminder of your subscription terms for monthly plans where state law requires it.
• Price changes: we will give you at least 30 days' notice by email before a price increase takes effect, and you can cancel before it applies.

6. Founding-member price

• The first [500] paid subscribers who sign up under the founding offer pay $3.99 per month, locked for life. "For life" means for as long as that subscription remains continuously active.
• The founding price ends if you cancel and your subscription lapses, or if payment fails and is not fixed within [14] days.
• It applies to one subscription per person, cannot be transferred, and cannot be combined with other discounts unless we say so.
• Taxes may be added.

7. How to cancel (online, anytime)

• You can cancel at any time online, in the same way you signed up: go to Pricing > "Manage or cancel my subscription" (or Settings > Plus), then choose Cancel.
• If you subscribed through Apple or Google, cancel in that store's subscription settings.
• You can also email support@weekfund.app with "Cancel" and we will process it within [2] business days.
• We will not require a phone call or a chat to cancel. If we show a save offer, the cancel option will remain clearly visible.
• Cancellation takes effect at the end of the current paid period. You keep Plus until then. We will confirm your cancellation by email.

8. Refunds

• Except as stated here or required by law, payments are non-refundable and we do not provide refunds or credits for partial periods.
• Annual renewals: if you forget to cancel, email us within [14] days of the renewal charge for a full refund.
• If we charged you in error, we will refund it.
• Purchases through Apple or Google follow their refund policies.

9. Referral credits

• If someone you refer starts Plus with your referral link and pays for at least one billing period, you may receive one free month of Plus.
• Credits have no cash value, may be limited to [12] per year, and may be withdrawn for fraud, self-referrals or spam.
• Do not send unsolicited messages to promote your link.

10. Your content and data

You own your data. You give us permission to store and process it only as needed to provide Weekfund, as described in the Privacy Policy. You are responsible for the accuracy of what you enter and for keeping your device and any backups secure. On-device data can be lost if you clear your browser; use Export or Plus sync to back it up.

11. Bank linking

If you connect accounts through Plaid, you authorize us and Plaid to access your account information on your behalf. Data may be delayed or inaccurate; always confirm with your bank before making decisions.

12. Acceptable use

Do not misuse Weekfund, including: - reverse engineering it where not allowed by law; - interfering with security; - using it for illegal lending, harassment or collection activity; - scraping it; - reselling it without permission.

13. Intellectual property

Weekfund, its software, design and content are owned by [LLC NAME] or its licensors. We grant you a personal, non-transferable license to use Weekfund under these Terms. Open-source components are licensed under their own terms.

14. Disclaimers

WEEKFUND IS PROVIDED "AS IS" AND "AS AVAILABLE." TO THE FULLEST EXTENT ALLOWED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. CALCULATIONS, PROJECTIONS, ALERTS AND AI SUGGESTIONS ARE ESTIMATES AND MAY BE WRONG.

15. Limitation of liability

TO THE FULLEST EXTENT ALLOWED BY LAW, WE WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, OVERDRAFT FEES, LATE FEES, INTEREST OR INVESTMENT LOSSES. OUR TOTAL LIABILITY FOR ANY CLAIM IS LIMITED TO THE GREATER OF THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM OR $50. Some states do not allow these limits, so they may not apply to you.

16. Indemnity

You agree to defend and indemnify us against claims arising from your misuse of Weekfund or violation of these Terms or the law (including loans you make to others).

17. Disputes and governing law

• These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law rules.
• Before filing a claim, you agree to email support@weekfund.app and try to resolve it informally for 30 days.
• [ATTORNEY TO CHOOSE: (a) courts in [COUNTY] County, Florida, with small-claims court always available; or (b) individual binding arbitration with a class-action waiver and small-claims carve-out.]

18. Changes to these Terms

We may update these Terms. For material changes we will notify you at least 30 days in advance by email or in the app. If you do not agree, you may cancel before they take effect.

19. Contact

[LLC NAME], [STREET ADDRESS], support@weekfund.app.

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