Terms of Service — Allospend

1. Acceptance of These Terms

These Terms of Service (the "Terms") form a binding agreement between you and Allospend Technologies LLC ("Allospend," "we," "us," or "our"), the operator of the Allospend consumer brand and the Allospend iOS mobile application (the "App"). By creating an account, tapping "I Agree," or otherwise accessing or using the Service, you confirm that you have read, understood, and agreed to these Terms, our Privacy Policy, Acceptable Use Policy (AUP), Fee Schedule, E-Sign Consent, AI Terms, and Age Verification Policy (together, the "Agreements").

If you do not agree, do not use the Service. If you obtained the App through the Apple App Store, you acknowledge that Apple is not a party to these Terms and is not responsible for the Service or its content (see Section 18).

2. Eligibility and Account Registration

You must be at least 18 years old (or the age of majority in your jurisdiction, whichever is higher) to use the Service. By registering, you represent and warrant that:

You are a legal resident of the United States and at least 18 years old.
You are not barred from using the Service under the laws of the United States, the State of Missouri, or any other applicable jurisdiction, including Office of Foreign Assets Control ("OFAC") sanctions.
You will provide accurate, current, and complete information during registration and keep it updated.
You will maintain the security of your account credentials, devices, and biometric factors.
You will maintain only one personal Allospend account. Joint, custodial, and minor accounts are not supported.
You are not impersonating any other person or entity.

We may require identity verification at any time, including before permitting withdrawals, NFC sticker activation, or high-value transactions, in accordance with the Bank Secrecy Act and our Age Verification Policy.

3. Account Verification and Authentication

To use certain features, including NFC group payments, wallet funding, withdrawals, and the Premium subscription, you must complete our verification flow, which may include:

Email verification via a one-time link.
Phone verification via SMS one-time code (standard messaging rates apply).
Biometric authentication using Apple Face ID, Touch ID, or a Passkey (WebAuthn), subject to your separate written consent under the Illinois Biometric Information Privacy Act (740 ILCS 14, "BIPA"), the Texas Capture or Use of Biometric Identifier Act (Tex. Bus. & Com. Code § 503.001, "CUBI"), and the Washington biometric statute (RCW 19.375), as described in the Privacy Policy.
Two-factor authentication ("2FA") using a time-based one-time password ("TOTP") authenticator.

You agree to enable 2FA for any account holding a stored balance or accessing withdrawal features. We may suspend or restrict accounts that fail verification or that we suspect are being used by an unauthorized person.

4. License Grant and Restrictions

Subject to your continuing compliance with the Agreements, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the App and the Service for your personal, non-commercial use. You may not:

Copy, modify, distribute, sell, lease, or reverse engineer the Service or the App.
Use the Service to build a competing product.
Circumvent, jailbreak, or otherwise interfere with the App's security or the NFC sticker pairing protocol.
Access the Service through automated means, including bots, scrapers, or scripts, except as we expressly allow.
Use the Service in violation of our Acceptable Use Policy (Section 9) or applicable law.

5. The Service; Not a Bank; No Advice

Allospend is a money-routing and group-spending platform, not a bank, money transmitter (other than as described below), broker-dealer, investment adviser, tax adviser, accountant, lawyer, or insurance provider. Wallet funds, if any, are held by our bank partner or stored-value program manager. We do not provide:

Financial, investment, tax, legal, or insurance advice.
Relationship, marital, family, or mental-health counseling.
Medical or health advice.

The Smart Notes, expense-categorization, and any future predictive, yield, or smart-tag features are provided for informational convenience only and are described in our AI Terms.

6. Payments, Routing, and Processor Terms

When you initiate a payment, send money to a group, or fund your wallet, we route the transaction through one or more third-party processors, which may include Stripe, Cash App (Block, Inc.), Venmo (PayPal, Inc.), PayPal, and Apple Pay. By using those features, you agree to be bound by each processor's applicable terms of service and privacy policy, and you authorize us to share necessary transaction data with them.

We may add, remove, or substitute processors in our sole discretion. We are not responsible for:

Delays, failures, or errors caused by a third-party processor.
Changes to processor terms, fees, or availability.
Disputes, chargebacks, or reversals initiated through a processor.

If a processor imposes its own dispute, return, or chargeback rules, those rules govern the underlying transaction.

7. NFC Stickers and Hardware

If you purchase Dummii NFC stickers ("Stickers") through the App, our website, or an authorized reseller:

Title to the Sticker passes to you on delivery, subject to payment in full.
You must activate the Sticker by linking it to an active Allospend account.
We may deactivate a Sticker that has been reported lost, stolen, duplicated, or used in violation of the AUP.
Stickers are consumable hardware with a finite read range; we do not guarantee uninterrupted read performance.
Pricing, shipping, returns, and replacements are described in the Fee Schedule and the Shipping and Returns policy.

8. Premium Subscription

Allospend Premium is a recurring subscription that unlocks certain features and is sold through our website via Stripe Checkout (and not through Apple's In-App Purchase system). Premium is billed monthly in U.S. dollars at the price posted in the Fee Schedule (currently $2.99/month). Your Premium subscription auto-renews until canceled, as further described in our Auto-Renewal Disclosure and E-Sign Consent. You may cancel at any time from your account settings; cancellation takes effect at the end of the then-current billing period.

Because Premium is sold via Stripe and not Apple IAP, Apple has no billing or refund responsibility for Premium. Refund requests must be directed to support@allospend.app.

9. Prohibited Conduct

Your use of the Service must comply with our Acceptable Use Policy, which is incorporated by reference. Violations may result in account suspension, termination, fund holds, and reporting to law enforcement.

10. User Content

You retain all ownership rights in the data, text, images, receipts, notes, and other content you submit through the Service ("User Content"). You grant Allospend a worldwide, non-exclusive, royalty-free, sublicensable, limited license to host, copy, transmit, display, and process your User Content solely for the purpose of operating, securing, and improving the Service. This license terminates when your User Content is deleted from our systems, except where retention is required by law.

We do not sell your User Content. Our biometric-data handling is described in the Privacy Policy.

11. Fees

You agree to pay the fees described in the Fee Schedule, which is incorporated by reference. We may revise the Fee Schedule on thirty (30) days' prior notice as described in Section 16.

12. Disclaimers

TO THE FULLEST EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT IT WILL MEET YOUR REQUIREMENTS.

Some jurisdictions do not allow the exclusion of certain warranties; in those jurisdictions, the exclusions above apply to the maximum extent permitted.

13. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, ALLOSPEND'S AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE AGREEMENTS WILL NOT EXCEED THE GREATER OF (A) THE FEES YOU PAID TO ALLOSPEND IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM AND (B) ONE HUNDRED U.S. DOLLARS (US$100).

IN NO EVENT WILL ALLOSPEND, ITS AFFILIATES, OR THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

THE LIMITATIONS IN THIS SECTION DO NOT APPLY TO: (I) GROSS NEGLIGENCE OR WILLFUL MISCONDUCT; (II) ALLOSPEND'S INDEMNIFICATION OBLIGATIONS UNDER SECTION 14; (III) ALLOSPEND'S INTELLECTUAL-PROPERTY INDEMNITY; (IV) DEATH OR PERSONAL INJURY CAUSED BY NEGLIGENCE; OR (V) ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW (INCLUDING FRAUD).

14. Indemnification

You agree to indemnify, defend, and hold harmless Allospend and its affiliates, officers, directors, employees, and agents from and against any third-party claims, damages, liabilities, fines, penalties, costs, and expenses (including reasonable attorneys' fees) arising out of (a) your use of the Service, (b) your User Content, (c) your violation of the Agreements, or (d) your violation of any applicable law.

15. Termination

By you. You may terminate your account at any time from the App's settings or by emailing support@allospend.app.
By us for cause. We may suspend or terminate your account immediately if we reasonably believe you have violated the Agreements, engaged in fraud, or pose an unacceptable risk.
By us for convenience. We may terminate your account on thirty (30) days' written notice.
Effect. Upon termination, your license to use the Service ends, your access to stored balance may be revoked subject to applicable law, and we may delete your User Content in accordance with our retention schedule.

16. Changes to These Terms

We may update these Terms from time to time. If a change is material, we will provide at least thirty (30) days' prior notice by email and/or in-app notification. Continued use of the Service after the effective date of the revised Terms constitutes acceptance. If you do not agree to a change, you must stop using the Service and may close your account.

17. Dispute Resolution; Arbitration

Please read this section carefully. It affects your legal rights.

17.1 Informal Resolution First

Before filing any formal claim, you agree to first contact us at disputes@allospend.app and attempt to resolve the dispute informally for at least forty-five (45) days.

17.2 Binding Individual Arbitration

If the dispute is not resolved informally, you and Allospend agree to resolve any dispute, claim, or controversy arising out of or relating to the Agreements or the Service through binding individual arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, or by JAMS under its Comprehensive Arbitration Rules and Procedures, whichever is selected by the party initiating arbitration.

The arbitration will be conducted by a single arbitrator.
The arbitration will be held in the county of your residence, or, if you and Allospend agree, by videoconference or telephone.
The arbitrator will apply the Missouri law described in Section 20.
The arbitrator's decision is final and may be entered as a judgment in any court of competent jurisdiction.

17.3 Cost-Shifting (No Broad Loser-Pays)

The parties will bear their own attorneys' fees and costs, and arbitration filing and arbitrator fees will be allocated in accordance with the applicable AAA or JAMS rules. The arbitrator may award fees and costs only to the extent required to deter bad-faith or frivolous claims, and not on a general loser-pays basis. Each party is responsible for its own conduct.

17.4 Class-Action Waiver

You and Allospend each waive any right to participate in a class, collective, consolidated, or representative action against the other. The arbitrator may award relief only in favor of the individual party seeking relief and only to the extent of that party's individual claim.

17.5 Carve-Outs

Notwithstanding the foregoing, the following claims may be brought in a court of competent jurisdiction (and not in arbitration):

A claim by either party for narrowly tailored injunctive or equitable relief to prevent or stop actual or threatened intellectual-property infringement (including copyright, trademark, patent, or trade-secret misappropriation).
A claim for public injunctive relief that, by its nature, cannot be awarded by an arbitrator under applicable law (e.g., a request for relief principally benefiting the general public).
A claim to enforce or challenge the validity of either party's intellectual-property rights.
A claim by Allospend for collection of amounts owed.
A claim within the jurisdiction of small-claims court.

17.6 30-Day Opt-Out

You may opt out of this arbitration agreement by sending an email to legal@allospend.app within thirty (30) days of first accepting these Terms, including your name, account email, and a clear statement that you wish to opt out of arbitration. Opting out will not affect your other rights or obligations under these Terms.

18. Apple App Store Terms

If you downloaded the App from the Apple App Store, you acknowledge and agree that:

These Terms are between you and Allospend only, and Apple is not responsible for the App or its content.
Apple has no obligation to provide maintenance or support for the App.
In the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple may refund the purchase price (if any) for the App. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation with respect to the App.
Apple is not responsible for any product or service claims, claims of intellectual-property infringement, or for investigation, defense, settlement, or discharge of any claim that the App or your use of the App infringes a third party's rights.
You represent that you are not located in a country that is subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and you are not listed on any U.S. Government list of prohibited or restricted parties.
Apple and Apple's subsidiaries are third-party beneficiaries of these Terms and may enforce these Terms against you.

19. Miscellaneous

These Terms, together with the other Agreements, constitute the entire agreement between you and Allospend regarding the Service. If any provision is held unenforceable, the remaining provisions remain in effect. You may not assign your rights under these Terms; we may assign ours in connection with a merger, acquisition, or sale of assets. Notices to you may be sent to your registered email or delivered in-app. Our failure to enforce any right is not a waiver.

20. Governing Law

These Terms are governed by the laws of the State of Missouri, without regard to its conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

21. SMS Communications

If you opt in to receive transactional text messages from Allospend (via the public opt-in page at https://allospend.app/sms-notifications or in the iOS app at Settings → Notifications → SMS), you agree to receive recurring transactional text messages from Allospend on the mobile number you provide. The messages are limited to:

Payment reminders before a group expense is due.
Withdrawal confirmations when an organizer withdrawal completes.
Account-security alerts (Verify OTP, dispute / chargeback notifications).

Message frequency varies by use. You may receive multiple messages on the same day across different groups and events. Message and data rates may apply. Allospend does not charge you to receive SMS, but your mobile carrier may charge messaging or data fees.

Allospend does not share your mobile number with third parties for their own marketing purposes. We share your mobile number with our SMS sub-processor, Twilio Inc., solely to deliver the transactional messages described above. Twilio is bound by a Data Processing Addendum (see our Privacy Policy and Sub-Processor List §3.9).

You may stop receiving SMS at any time by replying STOP, UNSUBSCRIBE, CANCEL, END, or QUIT to any Allospend SMS, or by disabling SMS notifications in Settings → Notifications in the iOS app, or by emailing privacy@allospend.app. Account-security messages (Verify OTP, withdrawal confirmation, dispute notification) may continue after a STOP reply under the 47 CFR §64.1200(a)(9) account-security exception; you may disable them in Settings → Notifications. Reply HELP for help, email privacy@allospend.app, or visit https://allospend.app/help.

The exact consent copy presented at the moment you agreed to receive SMS, including the version of these Terms and the Privacy Policy you agreed to, is retained with your consent record. Re-consent is required if the consent copy materially changes.

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