The agreement between you and MoneyPatrol.

Last updated: May 12, 2026

Agreement to terms

These Terms of Use constitute a legally binding agreement between you and Kevali Tech LLC, doing business as MoneyPatrol ("MoneyPatrol", "we", "us", or "our"), concerning your access to and use of the https://moneypatrol.ai website, our mobile application, and any related media (the "Site"). By accessing the Site, you agree to be bound by all of these Terms of Use. If you do not agree, you must discontinue use immediately.

We reserve the right to make changes or modifications to these Terms at any time. Continued use of the Site after changes are posted constitutes acceptance of the revised Terms. The Site is intended for users at least 18 years old.

Intellectual property rights

Unless otherwise indicated, the Site is our proprietary property and all source code, databases, functionality, software, designs, audio, video, text, photographs, graphics ("Content") and trademarks, service marks and logos ("Marks") are owned or controlled by us or licensed to us. The Content and Marks are provided "as is" for your information and personal use only.

User representations

By using the Site, you represent and warrant that:

• All registration information you submit is true, accurate, current and complete.
• You will maintain the accuracy of such information.
• You have the legal capacity and agree to comply with these Terms.
• You are not a minor in the jurisdiction in which you reside.
• You will not use the Site through automated or non-human means.
• Your use will not violate any applicable law or regulation.

Fees and payment

We accept Visa, Mastercard, American Express, Discover and PayPal. You agree to provide current, complete and accurate purchase and account information. If your purchase is subject to recurring charges, you consent to recurring charges until you cancel. We reserve the right to correct pricing errors and to refuse any order.

Free trial

The 15-day free trial applies to the Essential plan only. Premier and Power are direct-purchase plans (annual or lifetime) and do not include a free trial; you can upgrade to them at any time. The Essential trial begins when you create your account. At the end of the 15 days, your account will be charged for the Essential subscription unless you cancel before the trial ends. You can cancel from your account settings at any time during the trial without being charged.

Cancellation

All purchases are non-refundable. You can cancel your subscription at any time by logging into your account. Your cancellation will take effect at the end of the current paid term. For support, email hello@moneypatrol.com or call +1 (510) 516-2763.

Prohibited activities

You may not use the Site for any purpose other than that for which we make it available. As a user, you agree not to: make unauthorized use of the Site; circumvent security features; engage in unauthorized framing or linking; trick, defraud or mislead us or other users; engage in automated use of the system; interfere with or disrupt the Site; impersonate another user; harass or harm any other user; reverse-engineer the software; or use the Site in any manner inconsistent with applicable laws.

Mobile application license

If you access the Site via a mobile application, we grant you a revocable, non-exclusive, non-transferable, limited right to install and use the mobile application on devices owned or controlled by you. You shall not decompile, reverse-engineer, modify or distribute the application except as expressly permitted.

Third-party websites and content

The Site may contain links to third-party websites or content. We do not investigate, monitor or check such third-party content for accuracy, appropriateness or completeness and are not responsible for it. Inclusion of links does not imply endorsement.

Site management

We reserve the right to monitor the Site for violations, take legal action against violators, refuse or restrict access to any contributions, remove content that is excessive in size or burdensome to our systems, and otherwise manage the Site to protect our rights and property.

Privacy policy

We care about data privacy and security. Please review our Privacy Policy. By using the Site, you agree to be bound by it. The Site is hosted in the United States; by using it from another region you transfer your data to and consent to processing in the United States.

AI-generated content and limitations

The Service includes AI-generated insights, summaries, forecasts and suggestions (collectively, "AI Output") produced by our AI Copilot features. AI Output is provided for general informational purposes only. It may be incomplete, outdated, or inaccurate (including so-called "hallucinations"), and it does not constitute financial, investment, tax, legal or accounting advice.

You are solely responsible for verifying AI Output before relying on or acting on it, and for all financial decisions you make. We make no warranty that AI Output will be accurate, error-free, complete or suitable for any particular purpose.

Acceptable use of AI features: you agree not to use the Service or any AI feature for unlawful activity, to attempt to extract or reverse-engineer training data or model weights, to generate misleading content, or to misrepresent AI Output as professional advice from a licensed advisor.

Term and termination

These Terms remain in full force while you use the Site. We reserve the right to deny access and use of the Site to any person at our sole discretion, including for breach of any representation, warranty or covenant.

Modifications and interruptions

We reserve the right to change, modify or remove the contents of the Site at any time without notice. We cannot guarantee the Site will be available at all times and have no liability for any loss or inconvenience caused by downtime.

Governing law

These Terms are governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles.

Dispute resolution

Disputes shall first be addressed through informal negotiations for at least thirty (30) days before initiating arbitration. Unresolved disputes will be finally and exclusively resolved by binding arbitration under the Commercial Arbitration Rules of the American Arbitration Association ("AAA").

Disclaimer

The Site is provided on an "AS-IS" and "AS-AVAILABLE" basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including the implied warranties of merchantability, fitness for a particular purpose and non-infringement.

Limitations of liability

In no event will we or our directors, employees or agents be liable to you or any third party for any direct, indirect, consequential, exemplary, incidental, special or punitive damages. Our liability to you for any cause whatsoever will at all times be limited to $50.00 USD.

Indemnification

You agree to defend, indemnify and hold us harmless from any loss, damage, liability, claim or demand made by any third party arising out of your use of the Site, breach of these Terms, or violation of the rights of a third party.

Contact

Questions about these Terms? Email hello@moneypatrol.com.