Table of Contents

1. About This Fee Schedule
2. Account and Core Service
3. Funding Sources
4. Withdrawals
5. Premium Subscription
6. Dummii NFC Stickers (Hardware)
7. Disputes and Errors
8. Other Fees
9. Fee Changes
10. Taxes
11. Fee Disclosures Under Reg. E and Other Law
12. International and Foreign-Transaction Fees
13. Promotional Pricing and Bonuses
14. Refund Policy
15. Severability
16. Survival
17. Worked Examples
18. Fee-Schedule Disputes and Errors
19. Contact Information

1. About This Fee Schedule

This Fee Schedule ("Schedule") is part of the Terms of Service between you and Allospend Technologies LLC ("Allospend," "we," "us") and describes the fees and charges that apply to your use of the Allospend consumer service, the Allospend iOS mobile application, Dummii NFC stickers, and related offerings (the "Service"). All fees are stated in U.S. dollars (USD) and are exclusive of any taxes unless stated otherwise.

We may revise this Schedule at any time on at least thirty (30) days' prior notice to you by email and/or in-app notification, as described in Section 9. Continued use of the Service after the effective date of the change constitutes acceptance.

2. Account and Core Service

3. Funding Sources

4. Withdrawals

5. Premium Subscription

Because Premium is billed by Stripe and not by Apple In-App Purchase, Apple has no billing or refund obligation for Premium. Refund requests must be directed to support@allospend.app. See our Auto-Renewal Disclosure for additional pre-purchase disclosures required by California Business and Professions Code § 17600 et seq. and the Restore Online Shoppers' Confidence Act (15 U.S.C. § 8401 et seq.).

6. Dummii NFC Stickers (Hardware)

Hardware sales are governed by our Shipping and Returns policy. All sticker sales are final once the Sticker has been activated, except as required by Missouri law. Risk of loss and title pass to you upon delivery to the carrier.

7. Disputes and Errors

8. Other Fees

9. Fee Changes

We may change the fees in this Schedule on thirty (30) days' prior written notice to you, except that:

• Changes that are reductions or that are required by law or by a third-party processor may take effect immediately.
• The Premium subscription price will not change during the then-current billing period; renewal at a new price will be communicated at least thirty (30) days before the renewal date.

If you do not agree to a fee change, you may close your account before the change takes effect without penalty (other than payment of fees already incurred).

10. Taxes

You are responsible for any federal, state, local, sales, value-added, goods-and-services, or other taxes applicable to your use of the Service, except for taxes on Allospend's net income.

Tax treatment of the group collection service fee (graduated 2.5%–5%, Apple Pay and NFC, 2026-09-16 update): The service fee is a B2B platform fee charged to the organizer. The fee scales from 2.5% on groups ≤ $100 up to 5% on groups ≥ $500, linearly interpolated in between (see the worked examples in §17). The fee is computed server-side from the organizer-elected policy mode (group-covers / I-cover-fees — both available today; Premium waiver is documented but Premium is not currently on sale, see §13.2) and is collected by our payments partner on each transaction. In US states that tax enumerated digital services, the fee may be subject to sales tax, calculated at checkout based on the organizer's billing address. In the majority of US states that do not tax general services, the fee is not subject to sales tax. Allospend does not provide tax advice; consult a tax professional regarding your specific obligations. See legal/payment-rails-disclosure.md and legal/tax-treatment-disclosure.md for additional information on how Allospend processes payments and reports tax information.

11. Fee Disclosures Under Reg. E and Other Law

We provide the disclosures required by the Electronic Fund Transfer Act (15 U.S.C. § 1693 et seq.) and Regulation E (12 CFR Part 1005) at the time of account opening, before the first EFT, and on each periodic statement. We provide auto-renewal disclosures before each Premium renewal in accordance with California Business and Professions Code § 17602 and applicable state Auto-Renewal laws.

11.1. Reg. E Error-Resolution Disclosure

If you believe an error has been made on your Allospend wallet or in connection with an electronic fund transfer, contact us within 60 days of the suspected error at support@allospend.app or by calling the number in the App. We will investigate and report the results within 10 business days (20 business days for new accounts and for foreign-initiated transactions) as required by 12 CFR § 1005.11(c).

11.2. Initial Disclosures

Initial disclosures are delivered electronically in accordance with our E-Sign Consent and include, where applicable: a summary of liability for unauthorized transfers ($50 cap under 12 CFR § 1005.6), telephone numbers for reporting loss or theft, business-day definitions, and the type and frequency of account statements.

11.3. Periodic Statements

We provide at least monthly electronic statements if any EFT has occurred in the preceding month, as required by 12 CFR § 1005.9(b). Statements are available in the App and, on request, in paper form for the fee in Section 8.

11.4. State Auto-Renewal Disclosure Summary

Before each Premium renewal, we deliver an auto-renewal disclosure describing the recurring charge, the amount, the billing interval, the cancellation mechanism, and a working link to manage or cancel, as required by:

• California Business and Professions Code § 17600 et seq. (CCPA / ROSCA).
• New York General Business Law § 527-a.
• Illinois Public Act 102-0985 (Auto-Renewal).
• Colorado HB 23-1074 and other applicable state auto-renewal statutes.

12. International and Foreign-Transaction Fees

If you fund your wallet in a currency other than U.S. dollars, or transact with merchants settled in a non-USD currency, we (or our processor) may apply a currency-conversion fee of up to 1.5% above the mid-market rate. We do not assess a separate cross-border transaction fee, but underlying card-network and processor fees may apply and are passed through.

13. Promotional Pricing and Bonuses

We may, from time to time, run promotional pricing, referral bonuses, or sign-up credits. Promotional pricing will be communicated at the time it is offered and will include the post-promotional price, the duration of the promotion, and the cancellation mechanics. Bonuses are conditional on continued account good standing and may be reversed if the underlying conditions are not met (e.g., a referral bonus reversed if the referee is closed for AUP violation within 90 days).

13.1 The $5 Connect split-credit bonus (organizer-only)

As part of the trial-onboarding rewards program, an organizer who completes their second successful split AND finishes Apple Pay setup (the organizer-side identity verification and connected-account setup required to collect through Apple Pay) is granted a one-time $5.00 USD platform credit that may be applied to the organizer's own share of any group they're a paying member of. The credit:

• Amount: $5.00 (500 cents; hard cap).
• Grant: Once per organizer, on the first time the organizer completes Apple Pay setup. Reconnecting Apple Pay (disconnecting and reconnecting the payment account) does not re-fire the grant.
• Applicability: Reduces the organizer's own share of a group where they are a paying member. Does not apply when the organizer is purely collecting from others (a "pure-collector" scenario) — the credit balance remains on the account for any future group where the organizer IS a member.
• Expiry: 30 days from grant. Unused amounts are silently forfeited after the grace window.
• Service fee: The split credit does not affect the Allospend service fee (which is computed against the gross group amount) — it reshapes the split math only.
• Single use: The credit is consumed atomically at group creation; partial applications are allowed (down to a minimum $0.01 organizer share). Any unused balance remains subject to the same 30-day expiry.
• Reversal: If the underlying group collection is refunded or disputed, the credit is proportionally re-credited to the organizer's balance.

The credit is a direct platform subsidy from Allospend → organizer, not a fee waiver, not a transfer through our payments partner, and not a gift card. Service fees on every transaction operate normally. Per IRS rules, $5 to one organizer is well under the $600/year 1099-MISC threshold; aggregate per organizer is monitored.

14. Refund Policy

• Premium subscription. (Premium is not currently on sale; this describes the planned refund behavior.) Refundable on a pro-rata basis within 7 days of a charge, at our discretion. After 7 days, no refund is given for the current billing period; cancellation prevents future renewals.
• Hardware. Sticker sales are final once the Sticker has been activated. Pre-activation returns are governed by our Shipping and Returns policy.
• Group collection fees. When a group collection is fully refunded, the Allospend service fee and the card-processing fee on the original charge are not refundable to Allospend (Stripe does not refund the processing fee). Allospend absorbs the loss; the organizer is not charged twice. Partial refunds pro-rate the service fee proportionally to the refunded amount.
• Disputed charges. Contact us first. We will respond within 10 business days under Reg. E.

15. Severability

If any provision of this Schedule is held invalid or unenforceable, that provision will be enforced to the maximum extent permitted by applicable law and the remaining provisions will remain in full force and effect.

16. Survival

The provisions of this Schedule that by their nature should survive — including the change-notice obligations, refund mechanics, and the tax and international-fee provisions — survive any termination of your account.

17. Worked Examples

The following worked examples illustrate how fees are calculated. They are provided for informational purposes only and are the same numbers the iOS preview and the website Pricing page show. Figures reflect the graduated schedule effective August 17, 2026, with card processing and instant-deposit fees passed through from our payment processor.

17.1 Group Covers Fees (the default — even split)

• Example A — Standard $50 group split, no fee. $0 fee. Total: $50.00 sent, $0.00 deducted. Applies to peer-to-peer splits that don't go through card processing.

• Example A2 — $200 / 7 even split, with Instant deposits (graduated 3.13%).
• Bill: $200.00 (organizer)
• Backer count: 7
• Payout: Instant
• Per-backer share: $30.95 / $30.94
• Total collected from the group: $216.66
• Allospend service fee (3.13% of the bill): $6.26
• Card-processing fee (passed through, 2.9% + $0.30 × 7): $8.40
• Instant-deposit fee (passed through, 1% of the bill): $2.00
• Organizer receives: $200.00 (exactly the bill)

• Example A2b — $200 / 7 even split, with Standard deposits (graduated 3.13%).
• Total collected: $214.59, service fee: $6.26, card-processing: $8.33, instant fee: $0.00, organizer receives: $200.00.

• Example A2c — $50 / 5 even split, with Instant deposits (≤ $100 → 2.5%, brand-safe zone).
• Bill: $50.00; Backer count: 5
• Per-backer share: $10.97
• Total collected: $54.84
• Allospend service fee (2.5% of the bill): $1.25
• Card-processing (passed through): $3.09
• Instant fee (passed through): $0.50
• Organizer receives: $50.00 (exactly the bill)

• Example A2d — $500 / 10 even split, with Instant deposits (graduated 5.0% ceiling).
• Bill: $500.00; Backer count: 10
• Per-backer share: $54.89
• Total collected: $548.91
• Allospend service fee (5.0% of the bill): $25.00
• Card-processing (passed through): $18.91
• Instant fee (passed through): $5.00
• Organizer receives: $500.00 (exactly the bill)

• Example A6 — $10 / 5 even split. Too small: each backer would owe less than $5.00, which is below the per-backer minimum. The app will ask you to collect more or invite fewer people.

• Example A7 — $50,000 / 2. Above the $10,000 per-PaymentIntent ceiling. The app will ask you to split into smaller groups.

17.2 Group Covers Fees (per-order allocation)

Per-order (unequal) share allocation is now supported. The organizer enters a custom share per backer instead of splitting evenly. The fee allocation vector is keyed by stable personNumber so duplicate-amount links resolve deterministically (no remainder over- or under-allocation).

• Example A4 — $50 / 3 per-order split [20, 20, 10], Instant deposits (≤ $100 → 2.5%).
• Bill: $50.00; Backer count: 3
• Per-backer share: $20.00 / $20.00 / $10.00
• Per-backer gross: $21.69 / $21.69 / $10.84
• Per-backer service fee: $1.69 / $1.69 / $0.84 (collected via Stripe's application_fee_amount)
• Total collected: $54.22
• Allospend service fee: $1.25 (2.5% of $50)
• Card-processing: $2.47 (passed through)
• Instant fee: $0.50 (passed through)
• Organizer receives: $50.00 (exactly the bill)

• Example A5 — $500 / 10 per-order split [80, 70, 60, 50×4, 40, 30, 20], Instant deposits (graduated 5.0% ceiling).
• Per-backer share: $80 / $70 / $60 / $50×4 / $40 / $30 / $20
• Per-backer gross: $87.83 / $76.85 / $65.87 / $54.89 / $54.89 / $54.89 / $54.89 / $43.91 / $32.93 / $21.96
• Total collected: $548.91
• Allospend service fee: $25.00 (5.0% of $500)
• Card-processing: $18.91 (passed through)
• Instant fee: $5.00 (passed through)
• Organizer receives: $500.00

17.3 I Cover Fees (organizer absorbs the fees)

"I cover fees" is now available. When the organizer selects this option, the entire service fee is routed to the organizer's own PaymentIntent as application_fee_amount; each backer pays only their share of the bill, with no markup added. Card processing and instant-deposit fees are still passed through and are still the organizer's responsibility to net out.

• Example A8 — $200 / 5 even split, organizer absorbs (graduated 3.13%, Instant deposits).
• Bill: $200.00; Backer count: 5
• Per-backer share (no markup): $40.00 each
• Total collected from backers: $200.00
• Allospend service fee (3.13% of the bill): $6.26 (collected entirely on the organizer's row as application_fee_amount)
• Card-processing (passed through): ~$8.10 (deducted from the organizer's connected-account destination net)
• Instant fee (passed through): $2.00 (deducted from the organizer's connected-account destination net)
• Organizer receives: $183.64 (the bill minus the service fee, card-processing, and instant fee)

17.4 Premium Waiver (Premium organizers pay no service fee)

Premium is not currently on sale. When Premium ships and the organizer holds an active Allospend Premium subscription, the service fee will be waived entirely. Both the per-backer charge markup AND the platform fee will be reduced to zero. Backers will still see their cents-exact share and total at quote time. Card-processing and instant-deposit fees will still apply; Premium will not waive third-party-rail fees.

• Example A9 — $200 / 5 even split, Premium waiver (planned).
• Bill: $200.00; Backer count: 5
• Per-backer share: $40.00 each
• Per-backer gross: $40.00 (no markup)
• Total collected from backers: $200.00
• Allospend service fee: $0.00 (waived)
• Card-processing (passed through): ~$7.10
• Organizer receives: ~$192.90

17.5 Withdrawals

• Example B — Standard withdrawal of $200 to a verified bank account. $0 fee. Arrives in 2–3 business days.
• Example C — Instant withdrawal of $200. 1% × $200 = $2.00 fee. You receive $198.00 in minutes.
• Example D — Instant withdrawal of $10. 1% × $10 = $0.10, raised to the $0.25 minimum. You receive $9.75 in minutes.
• Example E — Instant withdrawal of $5,000. 1% × $5,000 = $50.00, capped at the $15.00 maximum. You receive $4,985.00 in minutes.

17.6 Other

• Example F — Credit-card funding of $100. 3.0% × $100 = $3.00 processor pass-through fee. Wallet balance credited: $100.00 (the fee is charged to the funding card, not deducted from the wallet credit).
• Example G — Premium monthly renewal. $5.99 charged to your Stripe payment method on the same day each month. Cancel any time from account settings; cancellation takes effect at the end of the then-current period.
• Example H — Custom Dummii Sticker order. Quoted at order. Standard ground shipping $0.00 – $4.99; expedited $15.00; overnight $29.00.
• Example I — Refund of a $20 group collection. Organizer keeps $20 (exact bill); Allospend absorbs the unrecoverable Stripe processing fee on the refund (typically $0.58 on a $20 charge). The organizer is not charged the unrecoverable fee a second time — the loss is logged structurally for finance.

18. Fee-Schedule Disputes and Errors

If you believe we have charged you a fee in error, contact us within 60 days of the statement date at support@allospend.app. We will investigate and respond within 10 business days as required by 12 CFR § 1005.11(c). If we determine a fee was charged in error, we will credit the amount to your wallet or to your original payment method, at your election, within 1 business day of our determination.

19. Contact Information

• Customer Support: support@allospend.app
• Legal: legal@allospend.app
• General Information: info@allospend.app
• Compliance / AUP reports: compliance@allospend.app
• Privacy / Data Protection Officer: privacy@allospend.app
• Disputes: disputes@allospend.app
• App Store: https://apps.apple.com/app/allospend-group-finances/id6795749022
• Domain: https://allospend.app

Allospend Technologies LLC
725 Kingsland Avenue, Suite 100
St. Louis, MO 63130
USA

© 2026 Allospend Technologies LLC. All rights reserved.

Note (2026-08-27): The customer-facing term "backer" has been replaced with "backer" in this document, consistent with the "backer" rename mapping. IRS-statutory language in legal/financial/tax-information-disclosure.md is preserved verbatim per regulator requirements.

Addendum A — Trial Bill-Split Mode Split Credit Subsidy (2026-09-08, §6.2)

Added to record the Trial Bill-Split Mode rollout.

Split Credit Subsidy ($5 trial bonus, per §1.5)

After the organizer completes 2 free trial splits (or the 7-day trial window expires — whichever comes first), they unlock a $5.00 USD split credit. The credit is applied to the organizer's share on their next group creation, subject to the membership-verification rule below.

Eligibility

The credit is granted only after:

• The organizer has completed two successful trial splits (Apple Pay or deeplink), AND
• The trial window has been recorded as "active" (freeSplitsRemaining == 0, trialStartedAt is non-null), AND
• The organizer is a paying member of the group they want to apply the credit to. A pure-collector group (only the organizer in the slot list) does not qualify — the credit remains on the organizer's balance for the next multi-member group.

Expiration

The credit expires 30 days after grant. After expiration, the credit is forfeited and removed from the organizer's wallet. No re-issuance. No refund.

Usage Limit

One credit per organizer per lifetime. The credit is non-transferable. The credit cannot be combined with the Sticker Hub "free sticker" promotion.

Reporting

The credit is recorded in the organizer's WalletTransaction ledger as type: 'credit', source: 'trial_split_bonus'. The full ledger is visible in Settings → Wallet.

Tax Treatment (addendum to §10)

The $5 split credit is a promotional subsidy, not a refund of fees paid. It does not affect the organizer's 1099-K. The credit is not taxable income to the organizer (per §6.2 outside counsel opinion — pending CFO sign-off).

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