MyFondi Terms and Conditions

1 Agreement and eligibility

These Terms govern your use of the website at www.myfondi.com, the MyFondi app (App), and Budgeting Assistance provided by MyFondi LLC, a Florida limited liability company (MyFondi, we, us). By affirmatively accepting these Terms when registering or purchasing, you agree to them. Service-specific provisions apply only to the services you use.

Services are for U.S. residents age 18 or older who can enter a binding agreement, for personal and household use. Provide accurate information, protect your login credentials, and promptly report suspected unauthorized access to support@myfondi.com. Each App account is for one individual; do not share credentials. Submit only information you own or are authorized to provide.

2 Privacy and your information

Our Privacy Policy explains our collection, use, disclosure, retention, and deletion of personal information and how to make privacy requests. These Terms do not replace any separate consent required by law. We do not sell or rent your personal financial information or use it to target advertising.

You retain ownership of the information you submit. You authorize us and our service providers to process it only as needed to provide and support the Services, maintain security, and comply with law, consistent with the Privacy Policy. This permission continues after deletion only to the extent necessary for permitted retention. Public use of your testimonial, name, or financial information requires separate permission.

3 App features and financial information

Free and Premium features are described on our website and in the App. Budgets, Cash Available, forecasts, alerts, and other outputs are estimates based on available information. They may contain errors, omissions, or delays, including those resulting from inaccurate or incomplete entries, failure to update information, or delays in receiving or processing data from financial institutions or other providers. These outputs do not establish your bank balance or guarantee that funds are available. Review and update your entries and compare results with financial institution records and payment obligations. Alerts do not replace monitoring your bills and accounts.

The App does not move money or pay bills. It provides budgeting tools and educational information, not tax, legal, investment, insurance, or credit-repair advice. MyFondi does not guarantee savings, debt reduction, credit improvement, or other financial outcomes. Budgeting Assistance has the scope described in Section 5 and Schedule A.

4 Premium subscriptions and payments

Premium subscriptions purchased through Apple or Google Play are billed by that store. The purchase screen states the price, billing period, applicable taxes, and any promotional terms. Annual plans are charged annually even if a monthly equivalent is displayed. Free access does not automatically become a paid subscription.

Premium renews automatically for successive billing periods unless canceled through the purchasing store before its applicable renewal deadline. You can manage or cancel your subscription through the Apple App Store or Google Play account used to purchase Premium. Promotional pricing ends after its disclosed duration. Price changes may reflect changes in costs, features, services, or taxes and apply to future renewals, with advance notice and any consent required by law and store rules. A price change does not affect the price of a billing period you have already paid for.

Canceling renewal normally preserves Premium through the paid period; plan changes, refunds, or revocation may change access under store rules. Deleting the App or your MyFondi account, disconnecting a bank, or stopping use does not cancel store billing. Cancel the subscription separately through Apple or Google Play. Account deletion ends access to that account.

Except as required by law or permitted by the purchasing store, we do not provide refunds or credits for unused subscription periods merely because you cancel or stop using the App. Request refunds through the Apple App Store or Google Play, depending on where you purchased your subscription. Refunds are subject to the applicable store’s policies. Refund approval is not guaranteed; requesting a refund does not itself cancel future renewals.

If payment fails, access follows the store's subscription status. Premium remains available during any applicable billing grace period and may be suspended or end afterward, including during an account hold. The store may continue payment retries. Access resumes when the store confirms entitlement, provided your MyFondi account remains open and is not otherwise suspended or terminated. Reconnecting a financial institution may require authorization. MyFondi does not add failed-payment or collection fees; your bank or payment provider may impose its own charges.

5 Budgeting Assistance

Budgeting Assistance is provided by a MyFondi representative and may include organizing income, spending, bills, savings, and debt repayment planning as part of the client’s overall budget, together with a budgeting spreadsheet, as described in the purchased package. It does not include contacting or negotiating with creditors, receiving funds to pay debts, credit repair, or tax, legal, investment, or insurance advice. You remain responsible for your financial decisions and obligations.

Adults may purchase assistance without an App account, and couples may attend together. Each participating adult must accept the applicable engagement terms and authorize sharing their information in joint sessions. Premium App access is not included. Schedule A governs payments, scheduling, and cancellations. The purchase description and any signed engagement agreement specify package details; a specific engagement term controls a conflict concerning that assistance.

6 Financial institution connections

If you choose to connect an account, Plaid helps obtain the financial information you authorize, such as transactions. Connect only accounts you are authorized to access. Plaid's handling of information is described at https://plaid.com/legal/#end-user-privacy-policy. MyFondi's connections are read-only and do not authorize withdrawals. MyFondi does not receive your financial institution login credentials. Transactions are retrieved when you link a bank and when you manually refresh. Data availability and freshness depend on Plaid and your financial institution.

You may disconnect through available App, Plaid, or institution controls. Revoking a connection stops future collection through that connection; previously imported information is handled under our Privacy Policy. Bank access also ends when the required Premium entitlement ends.

After 30 days without App use, MyFondi deactivates the connection, including for paying annual subscribers. This does not cancel billing. Returning to the App may refresh an existing authorized connection or require reconnection and renewed authorization; data may be outdated until then. Logging in does not reinstate a revoked authorization or deleted connection. These Terms do not expand Plaid permissions or authorize prohibited uses of financial information.

7 Ownership and permitted use

MyFondi and its licensors own the App, website, software, templates, and other service materials, excluding your information. We grant you a limited, nonexclusive, nontransferable right to use them for personal purposes under these Terms. You may retain delivered budgeting spreadsheets for personal use, but may not resell our materials.

The MyFondi name are protected trademarks. These Terms grant no right to use them without written permission, except as permitted by law. Other trademarks belong to their respective owners. Send permission requests or infringement concerns to support@myfondi.com.

Do not use the Services unlawfully, fraudulently, or to infringe others' rights; submit unauthorized financial information; bypass security; introduce malware; disrupt service; or access another person's account. Do not scrape, copy for resale, or reverse engineer the Services except where law permits. We may use voluntary product suggestions without compensation, but this does not authorize public use of your private information or restrict lawful reviews.

8 Third-Party Providers and External Links

We use third-party providers to deliver the Services. Their separate services may have their own terms and privacy policies. This does not eliminate MyFondi’s obligations to you. Apple and Google do not provide MyFondi Budgeting Assistance; applicable store usage rules and software license terms apply to App purchases and use.

External links are subject to the destination’s terms and privacy practices. Including a link does not constitute an endorsement or guarantee of the provider’s services or results.

9 Account closure and service changes

You may request account deletion through the App. Deletion and any legally permitted retention follow our Privacy Policy. Cancel App subscriptions separately through the purchasing store and Budgeting Assistance separately under Schedule A.

We may restrict or terminate access for material violations, unlawful activity, security risks, or legal requirements. Where practicable, we will give notice and an opportunity to resolve the issue; urgent action may be immediate. If we discontinue or materially reduce prepaid services, or terminate them without your breach, we will provide reasonable notice and address undelivered services in accordance with applicable law and the purchasing store’s requirements and refund procedures.

10 Warranties and liability

This section applies to the App and website. Budgeting Assistance is addressed separately in Section A.

To the extent permitted by law, MyFondi and its officers, directors, employees, contractors, and service providers are not liable for indirect, incidental, special, consequential, exemplary, or punitive damages arising from or relating to the App or website.

To the extent permitted by law, the total aggregate liability of MyFondi and the parties listed in the preceding paragraph, combined, arising from or relating to the App or website will not exceed $100 per user. This is a single collective cap, not a separate cap for each party or claim.

These damage exclusions and the collective liability cap do not apply to fraud, intentional misconduct, gross negligence, or liability that cannot lawfully be excluded or limited. Neither provision limits promised refunds or nonwaivable consumer remedies.

11 Third party claims

To the extent permitted by law, you will reimburse MyFondi for reasonable losses and defense costs arising from third-party claims caused by your fraud, intentional unlawful use, or knowing infringement of intellectual property rights. This does not cover ordinary authorized use, good-faith complaints, or loss caused by MyFondi's breach or negligence. We will promptly notify you, permit reasonable participation in the defense, and obtain your written consent before a settlement imposes an admission, payment, or other obligation on you.

12. Disputes and Governing Law

You may contact support@myfondi.com to seek informal resolution of a dispute. Informal resolution is voluntary and does not delay legal deadlines or prevent complaints to regulators.

Binding arbitration. Except as provided below, you and MyFondi agree to resolve disputes arising from or relating to the App, website, or these Terms through binding arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules, available at https://www.adr.org. Arbitration uses a neutral arbitrator instead of a judge or jury, and court review of an award is limited. Judgment on an award may be entered in a court with jurisdiction.

Either party may bring an eligible individual claim in small claims court or seek court relief to prevent infringement or misuse of intellectual property rights. Nothing in this section waives rights or remedies that cannot lawfully be waived.

Individual proceedings. To the extent permitted by law, you and MyFondi agree to bring claims individually, not as a class or representative action. This restriction does not prevent relief that applicable law requires to remain available.

Location and procedure. Hearings will ordinarily take place remotely. Any in-person hearing will be held at a location reasonably convenient to both parties, as agreed by the parties or determined under the AAA Consumer Arbitration Rules and applicable law.

Costs. Filing, administration, and arbitrator fees will be allocated under the AAA Consumer Arbitration Rules and applicable law. MyFondi will not seek its attorneys’ fees or costs merely because it prevails.

Starting arbitration. A party initiating arbitration must file with AAA as required by its rules and provide the other party with a copy of the demand. Notices to MyFondi should be sent to support@myfondi.com. MyFondi will send notices to the contact information associated with your account.

Opt-out. You may opt out of this arbitration agreement by emailing support@myfondi.com within 30 days after first accepting it. Include your name, account email address, and a clear statement that you opt out of arbitration. Opting out does not affect your access to the Services.

Governing law. The Federal Arbitration Act governs this arbitration agreement. Florida law otherwise governs these Terms, subject to mandatory consumer protections under applicable law.

13 Updates and general terms

We may update these Terms prospectively, with advance notice of material changes by email or a prominent service notice and renewed acceptance where required. Updates do not retroactively change accrued claims without agreement.

These Terms, applicable purchase disclosures, and any signed engagement agreement govern the Services. When effective, these Terms consolidate and replace the separate Account Policy for future use. The Privacy Policy addresses information practices. If a provision is unenforceable, the remaining provisions continue to the extent permitted by law. Failure to enforce a provision is not a waiver. Provisions needed to resolve accrued payment obligations, ownership, or claims survive termination. No survival provision expands data retention.

You may not transfer your account without our consent, except as permitted by law. We may transfer this agreement in a merger or business transfer if the successor assumes our obligations. Essential account, billing, security, and service notices may continue after you unsubscribe from marketing.

14 Contact

MyFondi LLC
401 E Las Olas Blvd, Suite 130-265, Fort Lauderdale, FL 33301
support@myfondi.com | 954-998-3199

Schedule A Budgeting Assistance

This schedule forms part of the Terms and applies only to Budgeting Assistance purchasers. Package descriptions and engagement agreements must be available before purchase.

A1 Package and payment terms

Your purchase description or signed engagement agreement states the session number and length, deliverables, price, service period, and package expiration. Website payments are processed through Stripe. One-time packages are paid upfront.

Monthly packages require an initial commitment of three consecutive monthly service periods and three monthly payments. The first payment is due at purchase; subsequent payments occur on the same calendar date each month, or the month's last day if that date does not occur. The monthly price and total initial commitment are disclosed before purchase, and recurring charges require your authorization.

After the initial three-month commitment, the package renews monthly until canceled, without another three-month commitment.

During the initial commitment, you may request cancellation by contacting your MyFondi representative or emailing support@myfondi.com.

Cancellation stops renewal beyond the initial commitment; remaining committed payments remain due and services remain available through its end, except as required by law or provided in A5. You do not need to wait until the commitment ends to submit your request.

After the initial commitment, you may cancel through the Stripe customer portal, contact your MyFondi representative, or email support@myfondi.com before the next renewal payment is processed. Cancellation takes effect at the end of the current paid service period. For requests made to your representative or by email, we use the date we receive your request, not the date we process it, to determine whether it was submitted before renewal. We will confirm the cancellation and its effective date by email.

Cancellation alone does not entitle you to an unused-period refund.

A2 Communication

Scheduling instructions are provided with your package. Email support replies will be provided within three business days after a question is received; resolution may take longer. Business days are Monday through Friday, excluding U.S. federal holidays. Support is not continuous account monitoring or emergency assistance.

A3 Rescheduling and attendance

To reschedule without forfeiting a session, email support@myfondi.com by 11:59 p.m. Eastern Time on the calendar day before the scheduled session. Rescheduling is subject to availability. Late arrival does not extend the scheduled end time. A no-show or cancellation after that cutoff forfeits the session for that service period, except as required by law or agreed in writing.

A4 Unused sessions

Each monthly package includes the number of sessions stated in the package description. Depending on the package selected, this may include one or two sessions during each monthly service period.

Included sessions must be used within the service period for which they are provided and do not automatically roll over to a future service period or qualify for a refund if unused by the client.

If an included session is timely rescheduled in accordance with MyFondi’s rescheduling policy, that session may be completed during one 30-calendar-day extension following the end of its original service period, including after cancellation of the monthly package, without an additional payment.

Each session is eligible for only one 30-day extension. A rescheduled session that is not completed within that extension will expire. For packages that include more than one session per month, each session is treated separately for purposes of scheduling, rescheduling, expiration, and any applicable extension.

The 30-day extension applies only to the applicable rescheduled session and does not extend the monthly service period, renew the package, or continue any other package benefits.

If MyFondi cannot provide reasonable appointment availability during the 30-day extension, the session will not expire without a remedy. You may choose a mutually agreed further extension or a refund calculated under A5.

A5 MyFondi cancellations and refunds

If MyFondi cancels a session, you may choose a mutually convenient replacement without an added charge or expiration penalty, or a refund of the prepaid amount allocated to that session. If MyFondi cannot complete a package, we will stop future charges for undelivered services and refund the unused prepaid portion.

Allocation follows disclosed session and deliverable values or, if none are disclosed, a reasonable proportion of the undelivered services. We will initiate these refunds within 10 business days after the refund becomes due; bank processing time is additional. These rules do not limit remedies required by law.

A6 Warranties and liability

Budgeting Assistance provides educational guidance based on information you supply. We do not guarantee savings, debt reduction, or other financial results. You remain responsible for your financial decisions and obligations. This does not excuse our express service commitments or legally required care.

To the extent permitted by law, the total aggregate liability of MyFondi and the parties listed above, combined, arising from or relating to Budgeting Assistance will not exceed the greater of $100 or the fees you paid to MyFondi for Budgeting Assistance during the 6 months preceding the event giving rise to the claim. This is a single collective cap, not a separate cap for each party or claim.