DollarGPS — Personal Finance Platform
Last Modified: March 2026
Welcome to DollarGPS (the “Application”). The following terms and conditions, together with any documents they expressly incorporate by reference (collectively, these “Terms of Service”), govern your access to and use of the software available through our mobile applications, including any associated content, functionality, and services (collectively, the “Services”), whether as a guest or a registered user.
The Application is provided by MoneySatNav UK Ltd. (“Company”), a company registered in the UK with company number 13391932.
When we refer to our “Service(s)” we mean all products and services owned and operated by the Company, or any of its affiliate companies (collectively, “MoneySatNav,” “we,” or “us”), including the content, features, tools, data, software and functions made available by the Company through our mobile applications.
Please read the Terms of Service carefully before you start to use the Application. By using the Application or by clicking to accept or agree to the Terms of Service when this option is made available to you, you accept and agree to be bound and abide by these Terms of Service and our Privacy Statement, incorporated herein by reference. If you do not want to agree to these Terms of Service or the Privacy Statement, you must not access or use the Application. It is important to read our entire Agreement carefully as some of the provisions affect your legal rights.
These Terms of Service include an agreement to resolve any disputes through binding arbitration that includes a class action waiver, as well as important disclaimers, warranties, and limitations on liability.
No one under 18 is allowed to create an account or use the Application. By using the Application, you represent and warrant that you are of legal age to form a binding contract with the Company and meet all the foregoing eligibility requirements. If you do not meet all these requirements, you must not access or use the Application. Registering on behalf of another who does not meet this age requirement is itself a violation of these Terms. We reserve the right to suspend or terminate accounts of users who do not comply with these Terms.
We may revise and update these Terms of Service from time to time in our sole discretion. All changes are effective immediately when we post them and apply to all access to, and use of, the Application thereafter. However, any changes to the dispute resolution provisions set forth in Section 18 (Governing Law and Dispute Resolution) will not apply to any disputes for which the parties have actual notice prior to the date the change is posted.
If a change materially modifies your rights or obligations, you may need to accept the modified terms to continue to use our Services. Material modifications will take effect when you accept the modified terms; immaterial modifications will take effect when published. Your continued use of the Application following the posting of revised Terms of Service means that you accept and agree to the changes. If you do not agree to any modification of these Terms, your sole remedy is to discontinue use of the Application and close your account.
3.1 Details of Services. The Application is designed to provide you with detailed calculations and associated information to allow you to make smarter decisions which should help improve your long-term wealth based on the data and information you provide. These Services are delivered through a combination of modules which work seamlessly together:
Forecasting: Detailed projections of overall net worth and cash balances over 30 years.
Wealth Improvement: A set of strategies that could potentially improve your long-term wealth projections. These strategies are mathematically derived by applying ALM (Asset Liability Management) techniques to your overall finances.
Life Goals: Ability to analyze, add and track life goals like wealth targets, asset purchases or other large expenses.
Budgeting: Ability to track your monthly spending, and to make informed spending decisions by understanding their impact on your long-term wealth and life goals.
Ongoing Navigation: The Application generates informational navigation prompts derived from the calculations used to generate your financial projections. You can use the help of these navigation prompts to take appropriate actions through time to track your forecasted wealth and life goals. But in true GPS style, you can choose to take help or not, you retain complete control.
3.2 Limitations of Data Presented in the Application.
The Application generates hundreds of thousands of numbers. While we strive to ensure maximum precision in the calculations, they are not guaranteed to be 100% accurate and we cannot be held liable for any inaccuracies. You are solely responsible for verifying the accuracy of any calculations or information before relying on it for any financial decision.
The precision of numbers generated by the Application depends entirely on the completeness, accuracy and timeliness of forecast data provided by you manually or retrieved from your Linked Accounts. Estimating all forecast parameters with 100% accuracy may be tricky. For example, it may be difficult for you to precisely estimate how your income or expenses will grow over the next 20-30 years. Even though you can keep updating your forecast data, your realized finances through time may differ from the projections.
The Application may use estimates, assumptions, or simplified models that may not reflect the exact terms, conditions, or methodologies used by your financial institutions.
We do not have access to your credit history to determine the terms you would likely receive on debt products. For this reason, we use national average rates to run hypothetical calculations pertaining to potential debt switches (from your existing products to new products). You can edit the template products to input terms you expect to receive for personalized results.
The methodology we use to determine which calculations or other information is presented or highlighted is proprietary, and we may elect to consider, ignore, emphasize, or de-emphasize certain factors in our sole and absolute discretion. We cannot be held accountable for the methodology we use.
We strive to provide a bug-free Application but there may be bugs from time to time which we will endeavor to remedy at the earliest possible. We cannot be held liable if you experience any bugs prior to them being fixed.
You acknowledge that the Company is solely an intermediary (i) between you and any data providers (like Plaid Inc.) supplying your information; and (ii) between you and our collaborating financial institutions whose offers or information we may present. The Company expressly disclaims any liability for any errors or omissions in the content received from such external parties.
3.3 Limitations of Application Availability
At present, there is no website Application.
The Application can be used on most Apple and Android devices but may not be used on devices which have been altered in a way that compromises their manufacturer’s intended security (most often referred to as being “Jailbroken”).
We may update the Application to add and improve its features. Depending on the update, you may not be able to use the Application until you have downloaded the latest version and accepted any amended Terms of Service.
We try to ensure that the Application is always available, but we cannot promise that it will be. There may be times when it’s not accessible, for example, in the case of maintenance, fraud, or a fault in the systems used to provide the Application. These events are sometimes outside of our control.
4. The Application does not provide Financial Advice
THE APPLICATION IS NOT A SUBSTITUTE FOR PROFESSIONAL FINANCIAL ADVICE. YOU SHOULD CONSULT WITH QUALIFIED PROFESSIONALS IF YOU REQUIRE ADVICE.
4.1 The Application does not act as a financial advisor, investment advisor, broker-dealer, insurance agent, credit counsellor, credit repair organization, or any other type of licensed financial professional.
4.2 No fiduciary relationship is created between you and the Company by your use of the Application. We owe you no fiduciary duty or obligation of any kind. Any data presented in the Application is for informational purposes only.
4.3 Any reliance you place on the data presented in the Application is strictly at your own risk. We disclaim all liability and responsibility arising from decisions made based on the Application.
4.4 The Application simply runs objective mathematical calculations to generate long-term financial projections and associated information. What you do with this data is 100% at your discretion. At no point does the Application provide financial advice.
THE APPLICATION IS NOT A SUBSTITUTE FOR PROFESSIONAL TAX, ACCOUNTING, OR LEGAL ADVICE. YOU SHOULD CONSULT WITH QUALIFIED PROFESSIONALS IF YOU REQUIRE ADVICE ON THESE MATTERS.
5.1 The Application uses your tax inputs to calculate after-tax income streams where required. At no point does the Application suggest tax rates or provide tax advice.
5.2 The Application simply provides mathematical calculations based on your Forecast Data. At no point does the Application advice on accounting or legal implications of any actions you may take basis these calculations.
6.1 We simply charge a subscription fee for the Services provided through the Application.
6.2 We do not handle your money. We are not involved in payments or other monetary transactions. Our Services are limited to presentation of calculations.
6.3 We do not issue any financial products. Our Services are limited to presentation of calculations and associated information.
6.4 We do not receive commissions or introductory fees from financial institutions for any actions you take based on the Application.
6.5 We may display products or promotions from collaborating financial institutions. However, we do not receive referral fees for doing so.
We reserve the right to withdraw or amend the Application, and the Services we provide through the Application, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Application is unavailable at any time or for any period.
7.1 General Requirements. You will need to open an account to access our Services. By opening an account, you certify that: (a) you are 18 years of age or older; (b) any information you provide to us, both when you register and in the future, is and will be true, accurate, current, and complete; (c) you are only registering an account for yourself; (d) you will keep all information up-to-date; and (e) you will create a unique, strong password that is not re-used across other, unaffiliated services.
7.2 You must not sell, transfer, or assign your account to anyone else. You must keep your password confidential, you must not share it, and you may not allow anyone else to log into the Application as you. You are responsible for all activities that occur under your user account.
7.3 You should use caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information. Should you, at your discretion, choose to share your username, password, or other security information with any other person or entity to share access, we disclaim all liability for anything that person or entity may do to compromise the security of your account.
7.4 You agree to notify us immediately of any unauthorized access to, or use of, your username or password or any other breach of security.
7.5 We have the right to disable any username, password, or other identifier, whether chosen by you or provided by us, at any time if, in our opinion, you have violated any provision of these Terms of Service.
8.1 When you register as a user and accept these Terms of Service, you authorize us to create and maintain an account using your personal information and provide consent for us to gather and use other information collected about you to verify your identity, provide the Services, and maintain a compliant service in accordance with our Privacy Statement and any applicable laws and regulations.
8.2 When registering, you authorize and consent to third parties providing us with any personal information, as detailed in our Privacy Statement, required to provide the Services to you. By registering, you also specifically consent to let us request banking and other financial data required to provide the Services.
8.3 You have the right to withdraw consent for us to use your personal data at any time and for your personal information to be forgotten; however, this may result in your account being closed. When requesting your information be forgotten, we will erase any personally identifiable information unless required by law or regulation to retain for a period. In the absence of any legal or regulatory requirement, we will erase all personally identifiable information we hold about you and anonymize any remaining information and data, in accordance with applicable law.
9.1 The Application uses data relating to your bank account(s) held by third-party financial institutions (“Open Banking”) to help provide you with automated and dynamic access to your financial activity. We will request your permission, as part of the connection process, to access your bank account(s) data using Open Banking.
9.2 We use third-party providers such as Plaid Inc. (“Plaid”) and similar services for this purpose, and by using our Services, you accept such third-party provider’s terms of use and privacy policies and expressly grant such third party the right, power, and authority to access and transmit your information as reasonably necessary to provide the Services to you. The third-party provider we use may vary based on the location of the financial institution at which you maintain the account(s) to which you provide us access.
9.3 Limited Power of Attorney. By accessing and using the Application’s services which aggregate third-party financial account transactions and data, you expressly authorize and direct the Company, on your behalf, to electronically retrieve your account information maintained by third-party financial institutions with which you have a legally binding customer relationship. Subject to our privacy procedures as described in the Privacy Statement, the Company may work with one or more third-party financial service technology providers to access and retrieve your account information.
FOR PURPOSES OF THIS AGREEMENT AND SOLELY TO OBTAIN AND PROVIDE THE ACCOUNT INFORMATION TO YOU AS PART OF THE SERVICES, YOU GRANT THE COMPANY A LIMITED POWER OF ATTORNEY, AND APPOINT THE COMPANY AS YOUR ATTORNEY-IN-FACT AND AGENT, WITH FULL POWER OF SUBSTITUTION AND RE-SUBSTITUTION, FOR YOU AND IN YOUR NAME, PLACE AND STEAD, IN ANY AND ALL CAPACITIES, TO ACCESS THIRD-PARTY SITES, SERVERS OR DOCUMENTS, RETRIEVE INFORMATION AND USE YOUR INFORMATION WITH THE FULL POWER AND AUTHORITY TO DO AND PERFORM EACH AND EVERY ACT AND THING REQUISITE AND NECESSARY TO BE DONE IN CONNECTION WITH SUCH ACTIVITIES, AS FULLY TO ALL INTENTS AND PURPOSES AS YOU COULD DO IN PERSON.
YOU ACKNOWLEDGE AND AGREE THAT WHEN THE COMPANY IS ACCESSING AND RETRIEVING ACCOUNT INFORMATION FROM THIRD-PARTY SITES, THE COMPANY IS ACTING AS YOUR AGENT, AND NOT AS THE AGENT OF OR ON BEHALF OF ANY THIRD PARTY. YOU AGREE THAT THIRD-PARTY ACCOUNT PROVIDERS SHALL BE ENTITLED TO RELY ON THE FOREGOING AUTHORIZATION, AGENCY AND POWER OF ATTORNEY GRANTED BY YOU. YOU UNDERSTAND THAT THE APPLICATION IS NOT ENDORSED OR SPONSORED BY ANY THIRD-PARTY ACCOUNT PROVIDERS ACCESSIBLE THROUGH THE APPLICATION.
9.4 Third-Party Terms. If you authorize the Application to access your accounts through Plaid, by doing so you accept the Plaid End User Services Agreement and Plaid Privacy Statement. By utilizing Open Banking through Plaid, you acknowledge and agree that the terms of Plaid’s Privacy Statement will govern Plaid’s use of such information. Similar terms apply if your accounts are connected through any other provider used by the Application.
9.5 We are not responsible for the accuracy of financial data obtained from third-party sites that are displayed or reported through the Application. The Company is not responsible for and cannot guarantee the accuracy or timeliness of financial accounts we retrieve on your behalf. The Company assumes no responsibility for the timeliness, accuracy, deletion, non-delivery, or failure to store any user data, loss of user data, communications, or personalization settings.
9.6 We do not store your financial institution login credentials on our servers. These credentials are transmitted directly to and stored by our third-party service providers in accordance with their security protocols.
9.7 You may unlink any Linked Account at any time through the Application settings. Upon unlinking, we will cease accessing new data from that account, although previously retrieved data may be retained in accordance with our Privacy Statement.
10.1 All information we collect through the Application is subject to our Privacy Statement. By using the Application, you consent to all actions taken by us with respect to your information in compliance with the Privacy Statement.
10.2 We implement commercially reasonable administrative, technical, and physical safeguards designed to protect your Financial Data in compliance with applicable federal and state laws, including but not limited to the Gramm-Leach-Bliley Act (GLBA), the California Consumer Privacy Act (CCPA), the California Privacy Rights Act (CPRA), and other applicable state privacy laws.
10.3 We will not sell your Financial Data to third parties. We may share aggregated, de-identified data that cannot reasonably be used to identify you for analytical or research purposes.
10.4 You retain all ownership rights to your Financial Data. You grant us a limited, non-exclusive, revocable license to use, process, and store your Financial Data solely for the purpose of providing and improving the Services.
10.5 De-identified and Aggregated Data. The Company may collect, derive, or generate de-identified and/or aggregated data regarding your usage of or the performance of the Services, including data derived from your Financial Data. The Company will own all such data and may use this data without restriction, including but not limited to operating, analyzing, improving, or marketing the Company’s Services.
You must comply with all applicable laws when using our Services. You are not permitted to use our Services to obtain any consumer credit report, score, or other consumer information under false pretences or in violation of the Fair Credit Reporting Act (FCRA) or applicable state or federal law.
12.1 Access to certain features of the Application may require a paid subscription. We may also provide a free version of the Application with limited features. All purchases through the Application or the Website are governed by these Terms of Service.
12.2 We may charge your payment method for fees or on a subscription basis. Payments will be billed in U.S. dollars, and your account will be charged upon purchase and when you provide your payment information, unless stated otherwise in applicable payment provisions. If your payment information is not accurate, current, and complete, we may suspend or terminate your account. If you do not notify us of updates to your payment information, we may participate in programs supported by your card provider to try to update your payment information, and you authorize us to continue billing your account with the updated information that we obtain.
12.3 Your payment will automatically renew at the end of the applicable subscription period, but you can cancel a subscription at any time. Subscription cancellations will take effect the day after the last day of the current subscription period. If you cancel in the middle of a subscription period, you will be able to continue to access and use the applicable Services until the end of your subscription period. We do not provide refunds or credits for any cancellations or partial subscription periods.
12.4 We may change subscription terms, subscription fees, the Services, and subscription offerings at any time on a go-forward basis in our sole discretion. If the pricing for your subscription increases, we will notify you as required by law and provide you an opportunity to cancel before applying those changes to your account or charging you in connection with an automatic renewal.
12.5 Free trial periods, if offered, will convert to paid subscriptions at the end of the trial period unless you cancel before the trial expires. If you registered for a trial, you may need to purchase the Services before the trial ends to retain access to any content provided to, or created through, the Services. You will be notified of the applicable subscription fee before any charge is made.
12.6 Discounted Plans. Certain discounted plans may be offered based on defined eligibility criteria.
If you select a discounted plan but fail to meet the eligibility criteria, it would be a breach of our Terms of Service. We may, in our sole discretion:
suspend the discounted pricing;
charge the standard subscription rate on a prospective basis; or
suspend access to the Services until eligibility requirements are satisfied.
13.1 Our Content. The Application and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, visual interfaces, data, and computer code, and the design, selection, and arrangement thereof) are owned by the Company, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.
13.2 These Terms of Service permit you to use the Application for your personal, non-commercial use only. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of the material on the Application. You may not reverse engineer or reverse compile any of our Services or the technology used to operate our Services. No right, title, or interest in or to the Application or any content is transferred to you, and all rights not expressly granted are reserved by the Company. Nothing in these Terms grants you, by implication, estoppel, or otherwise, any license or right to use our content except as expressly stated herein.
13.3 Third Party Intellectual Property. Our Services may display certain intellectual property, such as company, product, and service names and logos, that is owned by third parties. Nothing in these Terms grants you, by implication, estoppel, or otherwise, any license or right to copy, modify, sell, reproduce, distribute, or transmit any intellectual property.
The Company name, the term “DollarGPS,” the Company logo, and all related names, logos, product and service names, designs, and slogans are trademarks of the Company or its affiliates or licensors. You must not use such marks without the prior written permission of the Company. All other names, logos, product and service names, designs, and slogans displayed through the Application are the trademarks of their respective owners.
15.1 You may not use our Services in any manner that infringes the rights of any third party.
15.2 The Company reserves the right to block or otherwise prohibit in its sole discretion any individual who repeatedly posts materials that are alleged to infringe the intellectual property rights of others. If you repeatedly infringe the copyrights of others, we may terminate your account.
15.3 If you believe, in good faith, that any of our content infringes your copyrights, you may send a notice of infringement (“Notice”) under the federal Digital Millennium Copyright Act (“DMCA”) by email.
You may use the Application only for lawful purposes and in accordance with these Terms of Service. You agree not to use the Application:
In any way that violates any applicable federal, state, local, or international law or regulation, including through actions that give rise to criminal, civil, administrative, or regulatory liability;
For exploiting, harming, or attempting to exploit or harm minors in any way;
To post or share content that is or may be illegal or inappropriate, including material that may be defamatory, obscene, harassing, offensive, fraudulent, or infringing;
To transmit, or procure the sending of, any advertising or promotional material, including any “junk mail,” “chain letter,” or “spam” or any other similar solicitation;
To impersonate or misrepresent your affiliation with the Company or any other person or entity;
To engage in any conduct that restricts or inhibits anyone’s use or enjoyment of the Application, or which may harm the Company or users or expose them to liability;
To provide false, misleading, or inaccurate information or to use another person’s account or financial information without proper authorization; or
To use our Services to obtain any consumer credit report, score, or other consumer information under false pretences or in violation of the Fair Credit Reporting Act or applicable law.
Additionally, you agree not to:
Use the Application in any manner that could disable, overburden, damage, or impair the Application or interfere with any other party’s use;
Use any robot, spider, or other automatic device, process, or means to access the Application for any purpose, including monitoring or copying any material;
Introduce any viruses, trojan horses, worms, logic bombs, or other material which is malicious or technologically harmful;
Attempt to gain unauthorized access to, interfere with, damage, or disrupt any parts of the Application, the server on which it is hosted, or any server, computer, or database connected to it;
Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code of the Application;
Reproduce, modify, resell, license, or provide free or unauthorized access to the Service or make it available on any file-sharing, virtual desktop, or application hosting service;
Use the Service for general archiving or back-up purposes; or
Encourage or enable any other individual to do any of the above or otherwise violate these Terms.
The Company may terminate your use of the Service based on its reasonable suspicion that you have engaged in any of the prohibited uses described above.
17.1 Third-Party Content and Services. Our Services or communications to you may contain third-party content or links to third-party sites, applications, or services (collectively, “Third-Party Content”). Our Services may also include features that allow you to connect your account with accounts or services provided by third parties, such as accounts you maintain with financial institutions (collectively, “Third-Party Services”). We do not control, maintain, or endorse the Third-Party Content or Third-Party Services, and we are not responsible or liable for any Third-Party Content or Third-Party Services, including any damages, losses, failures, or problems caused by, related to, or arising from them. Your interactions and business dealings with the providers of Third-Party Content or Third-Party Services are solely between you and the third party.
17.2 Offers from collaborating Financial Institutions. We do not guarantee that you will be presented or receive offers for any products or services or that you will meet the approval criteria for an offer displayed in the Application. It is always your choice whether to apply for a product or service displayed in the Application, and we will never submit an application on your behalf. You will need to contact the financial institution directly who may require additional information or credit approval to determine, in their sole discretion, the eligibility and terms that apply to you.
17.3 API and Third-Party Integrations. Any application, plugin, script, or other program that interacts with the Application’s API (if made available) or acts as a plugin to the Application does so at the risk of its users and developers and is not officially supported by the Company.
18.1 By creating an account, you consent to receive electronic communications from us, including emails, push notifications, SMS messages, and in-app messages, related to your account, the Services, and updates to these Terms.
18.2 By providing a telephone number in connection with the Services, you verify that you are the current subscriber or owner of that number. Your consent to receive automated communications is completely voluntary, and you may opt out at any time.
18.3 You agree that all agreements, notices, disclosures, and other communications we provide to you electronically satisfy any legal requirement that such communications be in writing.
18.4 You may manage your notification preferences through the Application settings, though certain essential account and legal notices cannot be opted out of.
The Company has the right, but not the obligation, to monitor the Services electronically. We may access, use, preserve, transfer, or disclose, at any time and without notice to you, any information (including personal information as defined in our Privacy Statement) as reasonably necessary to: (1) comply with any applicable law, regulation, subpoena, or legal process, or respond to any governmental request or cooperate with law enforcement, if we believe such action is required or permitted by law; (2) enforce these Terms, including to investigate potential violations; (3) protect the safety, integrity, rights, or security of our users, our Services or equipment, or any third party; or (4) detect, prevent, or otherwise address fraud, security, or technical issues related to our Services.
YOU WAIVE AND HOLD HARMLESS THE COMPANY AND ITS AFFILIATES, ANY THIRD-PARTY INSTITUTIONS, LICENSORS, AND SERVICE PROVIDERS FROM ANY CLAIMS RESULTING FROM ANY ACTION TAKEN BY THE COMPANY DURING OR AS A RESULT OF ITS INVESTIGATIONS AND FROM ANY ACTIONS TAKEN AS A CONSEQUENCE OF INVESTIGATIONS BY EITHER THE COMPANY OR LAW ENFORCEMENT AUTHORITIES.
You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Application will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to the Application for any reconstruction of any lost data.
WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY A DISTRIBUTED DENIAL-OF-SERVICE ATTACK, VIRUSES OR OTHER TECHNOLOGICALLY HARMFUL MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, MOBILE DEVICE, COMPUTER PROGRAMS, DATA OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE APPLICATION OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE APPLICATION.
YOUR USE OF THE APPLICATION, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE APPLICATION IS AT YOUR OWN RISK. THE APPLICATION, ITS CONTENT, AND ANY SERVICES OR ITEMS OBTAINED THROUGH THE APPLICATION ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. NEITHER THE COMPANY NOR ANY PERSON ASSOCIATED WITH THE COMPANY MAKES ANY WARRANTY OR REPRESENTATION WITH RESPECT TO THE COMPLETENESS, SECURITY, RELIABILITY, QUALITY, ACCURACY, OR AVAILABILITY OF THE APPLICATION.
THE COMPANY HEREBY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, STATUTORY OR OTHERWISE, INCLUDING BUT NOT LIMITED TO ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, QUIET ENJOYMENT, QUALITY, ACCURACY, TITLE, AND NON-INFRINGEMENT, AND ANY WARRANTY ARISING OUT OF COURSE OF DEALING, USAGE, OR TRADE.
THE FOREGOING DOES NOT AFFECT ANY WARRANTIES WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
IN NO EVENT WILL THE COMPANY AND ITS AFFILIATES, AND THEIR LICENSORS, THIRD-PARTY FINANCIAL INSTITUTIONS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, OR DIRECTORS BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE, OR INABILITY TO USE, THE APPLICATION, ANY WEBSITES LINKED TO IT, ANY CONTENT ON THE APPLICATION, OR ANY SERVICES OR ITEMS OBTAINED THROUGH THE APPLICATION, INCLUDING ANY DIRECT, INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO PERSONAL INJURY, PAIN AND SUFFERING, EMOTIONAL DISTRESS, LOSS OF REVENUE, LOSS OF PROFITS, LOSS OF BUSINESS OR ANTICIPATED SAVINGS, LOSS OF USE, LOSS OF GOODWILL, LOSS OF DATA, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT, OR OTHERWISE, EVEN IF FORESEEABLE.
IN NO EVENT WILL THE COLLECTIVE LIABILITY OF THE COMPANY AND ITS AFFILIATES, AND THEIR LICENSORS, THIRD PARTY FINANCIAL INSTITUTIONS, SERVICE PROVIDERS, EMPLOYEES, AGENTS, OFFICERS, AND DIRECTORS, TO ANY PARTY (REGARDLESS OF THE FORM OF ACTION, WHETHER IN CONTRACT, TORT, OR OTHERWISE) EXCEED THE GREATER OF (A) THE AMOUNT YOU HAVE PAID TO THE COMPANY FOR THE APPLICABLE SERVICES IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100).
THE COMPANY SHALL NOT BE LIABLE FOR ANY FINANCIAL LOSS, DAMAGE, OR ADVERSE OUTCOME RESULTING FROM DECISIONS YOU MAKE BASED ON INFORMATION OR CALCULATIONS PROVIDED BY THE APPLICATION.
The above limitations apply even if the Company has been advised of the possibility of such damages. These Terms set forth your exclusive remedy with respect to the Services and their use.
If you are legally exempt from certain responsibilities, including indemnification, then those responsibilities do not apply to you under these Terms.
THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.
You will defend (if requested by the Company), indemnify, and hold harmless the Company, its affiliates, licensors, collaborating financial institutions, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to: (1) your use of the Application, our content, or any third-party content; (2) your violation or alleged violation of these Terms or any applicable law; (3) your infringement or alleged infringement of any intellectual property or other right of any person or entity; (4) any dispute between you and a third party, including any provider of third-party content; or (5) any financial decisions or actions you take based on information provided by the Application.
You must not settle any such claim or matter without the prior written consent of the Company. The Company reserves the right, at its own expense, to assume the exclusive defence and control of any matter subject to indemnification by you, and you agree to cooperate fully in the defence of any such claims.
23.1 Governing Law. All matters relating to the Application and these Terms of Service and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of Illinois without giving effect to any choice or conflict of law provision or rule.
23.2 Binding Arbitration. Any dispute, claim, or controversy arising out of or relating to these Terms or the Application (“Dispute”) shall be finally and exclusively resolved by binding individual arbitration administered by the American Arbitration Association (“AAA”) in accordance with its Consumer Arbitration Rules then in effect. The arbitration shall be conducted in Cook County, Illinois. The arbitrator(s) shall have no authority to deviate from the law and shall make all reasonable efforts to expedite the arbitration proceedings and to limit discovery. THIS MEANS THAT YOU WILL NOT BE ABLE TO LITIGATE ANY SUCH DISPUTE IN COURT, AND THAT YOU AGREE TO WAIVE YOUR RIGHT TO A JURY TRIAL.
23.3 Class Action Waiver. YOU AND THE COMPANY AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. You agree that no arbitration shall be joined to an arbitration involving any other party. You may not join or consolidate claims in arbitration or litigate in court or arbitrate any claims as a representative or member of a class or in a private attorney general capacity.
23.4 Jurisdiction. If any matter proceeds in court, including post-arbitration confirmation proceedings, you agree to the exclusive personal jurisdiction of the state and federal courts located in Cook County, Illinois, and waive any objection to such jurisdiction or venue.
23.5 Statute of Limitations. You agree that any dispute or cause of action arising out of or related to the Services or content must be commenced within one (1) year from the later of (a) when the dispute or cause of action accrues or (b) when, through the exercise of reasonable diligence, you should have known about the accrual of the cause of action. Otherwise, such cause of action is permanently barred.
23.6 Dispute Interpretation. You agree that any dispute or disagreement regarding the enforceability, applicability, or interpretation of any provision of these Terms, including the provisions regarding dispute resolution and arbitration, is a Dispute subject to the arbitration provisions herein and shall be resolved by an arbitrator.
24.1 Entire Agreement. These Terms of Service and our Privacy Statement constitute the sole and entire agreement between you and the Company with respect to the Application and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, with respect to the Application.
24.2 Waiver Only in Writing. The Company’s failure to enforce any of its rights or act with respect to a breach by you or others of these Terms does not constitute a waiver of any rights and will not limit the Company’s rights with respect to that breach or any subsequent breaches. No waiver by the Company of any of the provisions in these Terms will be of any force or effect unless made in writing and signed by a duly authorized officer of the Company.
24.3 Severability. If any provision of these Terms is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions will continue in full force and effect. Nothing in these Terms shall affect any non-waivable statutory rights or remedies that apply to you.
24.4 Assignment. The Company may assign these Terms to any party at any time without notice to you. You may not assign your rights under these Terms, by operation of law or otherwise, without our prior written consent.
24.5 Termination. We may terminate or suspend your access to all or part of the Application at any time at our discretion, including without limitation for any violation of these Terms of Service.
24.6 Force Majeure. The Company shall not be liable for any failure or delay in performing its obligations under these Terms where such failure or delay results from circumstances beyond the Company’s reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, pandemics, government actions, power failures, internet or telecommunications failures, or cyberattacks.
24.7 No Third-Party Beneficiaries. These Terms do not create any third-party beneficiary rights in any individual or entity that is not a party to these Terms.
24.8 Headings. The section headings in these Terms are for convenience only and have no legal or contractual effect.
If you have any questions, concerns, or complaints regarding these Terms of Service or the Application, please contact us at DollarGPS.Support@bmo.com
BY USING THE APPLICATION, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.