These Terms of Service ("Terms") constitute a legally binding agreement between you ("you" or "User") and Right Money ("Right Money," "we," "us," or "our"), governing your access to and use of the Right Money application, website, and related services (collectively, the "Service"). Right Money is operated by Columbia Advisory Group, LLC, dba Right Money.

By creating an account, accessing, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you must not access or use the Service.

Right Money is a personal finance management application that helps users organize their spending using a three-bucket system (Bills, Lifestyle, and Freedom). The Service provides tools for viewing and categorizing financial transactions, tracking spending patterns, and managing personal financial goals.

The information provided through the Service is for informational and organizational purposes only and should not be construed as professional financial advice.

To access the Service, you must create an account by providing a valid email address and creating a password. You agree to provide accurate, current, and complete information during registration, maintain the security and confidentiality of your login credentials, promptly update your account information if it changes, and notify us immediately of any unauthorized access to or use of your account.

You are solely responsible for all activity that occurs under your account, whether or not authorized by you. We are not liable for any loss or damage arising from your failure to safeguard your login credentials. We reserve the right to suspend or terminate your account if we reasonably believe your account security has been compromised.

The Service uses Plaid Inc. ("Plaid") to connect your financial institution accounts and retrieve transaction data. By using the financial account linking feature, you grant Right Money and Plaid the right, power, and authority to act on your behalf to access and transmit your personal and financial information from your relevant financial institution. You acknowledge and agree that your use of Plaid is subject to Plaid's End User Privacy Policy, available at https://plaid.com/legal/#end-user-privacy-policy.

Right Money accesses the following types of financial data through Plaid: account information (account name, type, and balance), transaction data (date, amount, merchant name, and category), and institution information (name and identifiers of your financial institution). This data is used solely for the purpose of providing the Service to you, including categorizing transactions into the Bills, Lifestyle, and Freedom buckets, displaying spending trends and summaries, and helping you manage your personal finances.

While we strive to display accurate financial data, Right Money relies on the information provided by your financial institutions through Plaid. We do not guarantee the accuracy, completeness, or timeliness of any financial data displayed in the Service. You should verify all financial information by reviewing your official bank and financial institution statements. Discrepancies between the Service and your official statements should be resolved directly with your financial institution.

Your privacy is important to us. Our collection, use, and disclosure of your personal information is governed by our Privacy Policy, available at https://app.rightmoney.com/privacy. By using the Service, you consent to the collection and use of your information as described in the Privacy Policy.

You agree not to use the Service for any unlawful purpose or in violation of these Terms. Specifically, you agree not to:

The categorization of transactions into the Bills, Lifestyle, and Freedom buckets is provided for organizational purposes and reflects the Right Money system methodology. These categorizations are not recommendations to change your spending behavior and do not account for your complete financial situation, goals, or risk tolerance.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL RIGHT MONEY, ITS DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, PARTNERS, SUPPLIERS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

IN NO EVENT SHALL OUR AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100.00).

You may not assign or transfer these Terms, or any rights or obligations hereunder, without our prior written consent. Any attempted assignment in violation of this section shall be null and void.

We may freely assign or transfer these Terms and all rights and obligations hereunder, including your account information, subscription data, payment information (as processed by Stripe), financial data, and usage data, without restriction and without notice or your consent, in connection with a merger, acquisition, corporate reorganization, sale of all or substantially all of our assets, change of control, or any similar transaction. In the event of such a transfer, the acquiring entity or successor shall assume all of our rights and obligations under these Terms and shall be bound by the terms of our Privacy Policy with respect to your personal information.

In the event of a business transfer, the successor entity will honor existing subscription terms for the remainder of each User's then-current billing cycle. Any material changes to the Service or pricing following a business transfer will be communicated to you with at least thirty (30) days' notice, and you will have the right to cancel your subscription before such changes take effect.

For clarity, this provision permits the transfer of Stripe billing relationships, including subscription payment tokens, customer identifiers, and billing history, to a successor entity, subject to Stripe's applicable policies and procedures for account transfers or migrations. Such transfers may involve an entity sale (where the legal entity operating the Service is acquired) or an asset sale (where subscriber data is migrated to the acquiring entity's payment processing systems). In either case, the successor entity will be bound by these Terms and our Privacy Policy with respect to your data.

These Terms shall be governed by and construed in accordance with the laws of the State of Washington, without regard to its conflict of law provisions.

Any dispute arising from or relating to these Terms or the Service shall first be submitted to good-faith mediation. If the dispute cannot be resolved through mediation within thirty (30) days, either party may pursue resolution through binding arbitration administered by the American Arbitration Association in accordance with its Consumer Arbitration Rules. The arbitration shall take place in Spokane, WA.

We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms. Upon termination, your right to use the Service will immediately cease.

You may terminate your account at any time by canceling your subscription through your account settings and then contacting us to request account deletion. Upon account deletion, we will delete your personal and financial data in accordance with our Privacy Policy, subject to any legal retention obligations.

We reserve the right to modify, suspend, or discontinue the Service (in whole or in part) at any time, with or without notice. We will make commercially reasonable efforts to provide at least thirty (30) days' notice before discontinuing the Service entirely. We shall not be liable to you or to any third party for any modification, suspension, or discontinuation of the Service.

If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law, and the remaining provisions will continue in full force and effect.