TERMS OF SERVICE

These Terms of Service ("Terms") are a legally binding agreement between you and ReceeMe LLC ("ReceeMe," "we," "us," or "our") governing your access to and use of the Recee mobile application, the website located at www.receeme.com, and any related services we provide (collectively, the "Services").

By creating an account, accessing, or using the Services, you agree to be bound by these Terms and by our Privacy Policy and Cookie Policy, which are incorporated into these Terms by reference. If you do not agree to these Terms, do not use the Services.

IMPORTANT: These Terms contain a binding arbitration provision and class action waiver (Section 14), a limitation of our liability (Section 13), and a one-year limit on bringing claims (Section 15). Please read them carefully.

1. Description of the Services

Recee is a personal finance app that automatically captures receipts and transactions, scores your spending across health and budget dimensions, and provides actionable insights to help you manage your money. You can connect your Gmail account to automatically import purchase confirmation emails, scan paper and digital receipts, and optionally connect a bank account via Plaid to complete your financial picture.

Recee is an informational tool only and does not provide financial, investment, tax, or legal advice.

The Services are provided for your personal, non-commercial use only. You may not use the Services for the benefit of any business or other third party.

2. Eligibility

You must be at least 18 years old to use the Services. By using the Services, you represent and warrant that you are at least 18 years of age and have the legal capacity to enter into these Terms. The Services are intended for users located in the United States.

3. Your Account

To use the Services, you must register for an account. You agree to provide accurate, current, and complete information during registration and to keep it up to date. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You must notify us promptly at privacy@receeme.com if you suspect any unauthorized use of your account. We are not liable for any loss arising from unauthorized use of your account resulting from your failure to safeguard your credentials.

4. License to Use the Services

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to download, install, and use the Recee application on devices you own or control, and to access and use the Services, solely for your personal use. All rights not expressly granted to you are reserved by ReceeMe and its licensors.

5. Your Content and Data

The Services allow you to submit, upload, or import content and data, including receipt images, receipt and purchase confirmation emails, and transaction data (collectively, "Your Content"). You retain ownership of Your Content. By using the Services, you grant us a worldwide, non-exclusive, royalty-free license to host, store, process, transmit, analyze, and display Your Content solely as necessary to provide, maintain, secure, and improve the Services, consistent with our Privacy Policy.

You represent and warrant that you own or have the necessary rights and permissions to submit Your Content, and that Your Content does not violate any law or the rights of any third party.

6. No Financial Advice

Recee is an informational and educational tool only. The scores, insights, categorizations, and other content provided through the Services do not constitute financial, investment, tax, or legal advice, and are not a recommendation to buy, sell, or take any financial action. We are not a financial advisor, broker, or fiduciary. You are solely responsible for your financial decisions, and you should consult a qualified professional before making decisions based on information provided through the Services.

7. Accuracy of Receipt and Transaction Data

The Services use automated technologies, including artificial intelligence, to extract, categorize, and score information from receipts, emails, and transaction data. While we strive for accuracy, we do not warrant that any extracted data, categorization, score, or insight is complete, accurate, or error-free. You are responsible for verifying important financial information against your original records, and you should not rely on the Services as your sole record of any transaction.

8. Third-Party Services

The Services allow you to connect third-party accounts, including your Google account and bank accounts via Plaid Inc. ("Plaid"). By connecting a bank account, you acknowledge and agree that your data will be transferred to and processed by Plaid in accordance with the Plaid End User Privacy Policy, and you grant us and Plaid the right to access and transmit your information as reasonably necessary to provide the Services. Your use of third-party services is subject to those parties' own terms and policies, and we are not responsible for the acts or omissions of any third-party provider.

9. Prohibited Activities

You may access and use the Services only for their intended purpose. In connection with your use of the Services, you agree NOT to:

• Connect an email account, bank account, or other third-party account that you do not own or are not authorized to access;
• Upload, submit, or import falsified, altered, or fraudulent receipts or transaction data;
• Use the Services to advertise or offer to sell goods and services;
• Sell, rent, or otherwise transfer your account or profile to any other person;
• Use the Services for any commercial purpose or for the benefit of any third party;
• Copy, modify, distribute, sell, or lease any part of the Services, or reverse engineer, decompile, or attempt to extract the source code of the Services, except as permitted by law;
• Access the Services through automated means (including bots, scrapers, or crawlers), or circumvent, disable, or interfere with any security-related features of the Services;
• Introduce viruses, malware, or other harmful code, or take any action that imposes an unreasonable load on our infrastructure;
• Attempt to gain unauthorized access to the Services, other users' accounts, or our systems or networks;
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity;
• Use the Services in violation of any applicable law or regulation, or for any fraudulent or unlawful purpose;
• Use the Services to harass, abuse, or harm another person.

We may investigate any suspected violation of this Section and may suspend or terminate your account as described in Section 11.

10. Intellectual Property

The Services, including all software, designs, text, graphics, logos, scores, algorithms, and other content provided by us (excluding Your Content), are owned by ReceeMe or its licensors and are protected by copyright, trademark, and other intellectual property laws. The Recee name and logo are trademarks of ReceeMe LLC. Nothing in these Terms grants you any right to use our trademarks without our prior written consent.

If you provide us with feedback, suggestions, or ideas about the Services, you agree that we may use them without restriction or compensation to you.

11. Term, Suspension, and Termination

These Terms remain in effect while you use the Services. You may stop using the Services and delete your account at any time through your account settings or by contacting us at privacy@receeme.com.

We may suspend or terminate your account or access to the Services at any time, with or without notice, if we reasonably believe you have violated these Terms, if required by law, or if we discontinue the Services. Upon termination, your license to use the Services ends immediately. Deletion of your account and data is handled as described in our Privacy Policy. Sections of these Terms that by their nature should survive termination (including Sections 6, 7, 10, 12, 13, 14, 15, and 17) will survive.

12. Disclaimer of Warranties

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, OR THAT ANY DATA, SCORE, OR INSIGHT PROVIDED THROUGH THE SERVICES IS ACCURATE OR RELIABLE. SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.

13. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL RECEEME, ITS OFFICERS, MEMBERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICES OR THESE TERMS WILL NOT EXCEED ONE HUNDRED U.S. DOLLARS ($100 USD).

SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW.

14. Dispute Resolution; Binding Arbitration; Class Action Waiver

Informal Resolution First.

Before initiating any arbitration or court proceeding, you and ReceeMe agree to first attempt to resolve any dispute informally. Either party may begin this process by sending a written notice describing the dispute to the other party (to us, at privacy@receeme.com). The parties will negotiate in good faith for at least thirty (30) days after such notice before initiating arbitration.

Binding Arbitration.

If the dispute is not resolved within that period, any dispute, claim, or controversy arising out of or relating to these Terms or the Services will be resolved by final and binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules. The arbitration will be conducted in the State of New Jersey, or, at your election, by videoconference or telephone. Judgment on the arbitration award may be entered in any court of competent jurisdiction. If any arbitration fees charged to you are determined to be excessive, ReceeMe will pay the portion of such fees deemed excessive. This Section does not prevent either party from bringing an individual claim in small claims court, or from seeking injunctive or other equitable relief in court for infringement or misuse of intellectual property rights.

Class Action Waiver.

YOU AND RECEEME EACH AGREE THAT ANY PROCEEDING WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS.

Court Proceedings.

If a dispute proceeds in court rather than arbitration for any reason, it will be brought exclusively in the state or federal courts located in the State of New Jersey, and you and ReceeMe each consent to the jurisdiction and venue of those courts.

15. Time Limit on Claims

TO THE FULLEST EXTENT PERMITTED BY LAW, ANY CLAIM ARISING OUT OF OR RELATED TO THE SERVICES OR THESE TERMS MUST BE COMMENCED WITHIN ONE (1) YEAR AFTER THE CLAIM ACCRUES; OTHERWISE, THE CLAIM IS PERMANENTLY BARRED.

16. Governing Law

These Terms and any dispute arising out of or related to them or the Services are governed by the laws of the State of New Jersey and applicable federal law (including the Federal Arbitration Act), without regard to conflict-of-law principles.

17. Indemnification

You agree to defend, indemnify, and hold harmless ReceeMe and its officers, members, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your violation of these Terms; (b) Your Content; (c) your violation of any law or the rights of any third party; or (d) your connection of any third-party account that you do not own or are not authorized to access.

18. Copyright Infringement Notices

We respect the intellectual property rights of others. If you believe any material available on or through the Services infringes a copyright you own or control, please notify us at privacy@receeme.com with: (a) identification of the copyrighted work claimed to be infringed; (b) identification of the material claimed to be infringing and its location on the Services; (c) your name, address, telephone number, and email address; (d) a statement that you have a good faith belief that the use is not authorized by the copyright owner, its agent, or the law; (e) a statement, under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on the owner's behalf; and (f) your physical or electronic signature. We may remove or disable access to material alleged to be infringing and may terminate the accounts of repeat infringers.

19. Changes to the Services and These Terms

We may modify, suspend, or discontinue any part of the Services at any time. We may also update these Terms from time to time. The updated version will be indicated by an updated "Last updated" date at the top of these Terms, and material changes will be communicated by posting a notice within the Services or by other reasonable means. Your continued use of the Services after updated Terms take effect constitutes your acceptance of them. If you do not agree to the updated Terms, you must stop using the Services.

20. Electronic Communications

By using the Services, you consent to receive communications from us electronically, including by email and notices within the Services, and you agree that all agreements, notices, and disclosures we provide electronically satisfy any legal requirement that such communications be in writing.

21. General

These Terms, together with the Privacy Policy and Cookie Policy, constitute the entire agreement between you and ReceeMe regarding the Services and supersede any prior agreements on that subject. If any provision of these Terms is held unenforceable, that provision will be enforced to the maximum extent permissible and the remaining provisions will remain in full effect. Our failure to enforce any provision is not a waiver of our right to do so later. You may not assign these Terms without our prior written consent; we may assign these Terms in connection with a merger, acquisition, or sale of assets. Nothing in these Terms creates any partnership, employment, or agency relationship between you and ReceeMe.

22. Contact Us

If you have questions about these Terms, you may email us at privacy@receeme.com or contact us by post at: