Last Modified: January 1, 2026
These Terms of Service (together with any documents they expressly incorporate by reference, the "Terms") govern your access to and use of MoneyPath AI, including the mobile applications, any associated content or services, and any related software (collectively, the "Services"), owned and operated by X Tracker LLC, d/b/a MoneyPath AI ("MoneyPath AI," "MoneyPath," "Company," "we," "us," or "our"). By accessing or using the Services, or by clicking to accept or agree to these Terms when presented, you confirm that you have read, understood, and agreed to these Terms and our Privacy Policy, incorporated herein by reference. If you do not accept these Terms or the Privacy Policy, do not use the Services.
Our Services are intended solely for individuals who are eighteen (18) years of age or older. By accessing or using the Services, you represent and warrant that you are at least 18 years old and have the legal capacity to enter into these Terms. We do not knowingly permit anyone under 18 to create an account or use the Services, and we may suspend or terminate accounts that violate this requirement.
We may revise and update these Terms from time to time at our sole discretion. All changes become effective immediately upon posting and govern all subsequent access to and use of the Services. However, any changes to the dispute resolution provisions in Governing Law and Arbitration (Section 14) will not apply to disputes where the parties have actual notice prior to the date the revised Terms are posted. By continuing to use the Services after updated Terms are posted, you accept and agree to the changes. We encourage you to periodically check this page to remain aware of any modifications.
We reserve the right to withdraw or modify the Services, in whole or in part, without notice. We will not be liable if any portion of the Services is unavailable at any time or for any reason. You may be asked to provide certain registration details, payment information, or other data to use some features. It is a condition of your use that all such information is correct, current, and complete.
Any username, password, or other credentials you choose or are given must be treated as confidential. Sharing your login with others is solely at your own risk. We disclaim liability for actions taken by anyone who accesses the Services using your credentials, with or without your permission. You must promptly notify us of any unauthorized access or other breach of security. You should always exercise caution on public or shared devices to avoid exposing your login or personal details.
We may disable or terminate your account or login credentials at any time if, in our opinion, you have violated any provision of these Terms or if we suspect misuse. We also do not guarantee the accuracy, completeness, or timeliness of any financial data obtained from third-party sources, including financial institutions, technology aggregators, or market data providers. We cannot foresee or eliminate all technical issues that may interrupt or degrade the Services, and we are not liable for data errors, delays, or losses stemming from such interruptions.
By enabling any functionality that aggregates or retrieves your financial account transactions and data from third-party institutions, you authorize MoneyPath AI to electronically access those external accounts on your behalf. Subject to our Privacy Policy, MoneyPath AI may partner with one or more data aggregation technology providers to obtain and provide your account information. You agree that:
If you purchase a subscription or other paid feature, payment and billing are processed by the applicable third-party app store or payment processor (for example, the Apple App Store or Google Play). Prices, billing frequency, renewal terms, any free trial terms (if offered), and cancellation options will be displayed to you at the point of purchase.
Subscriptions typically renew automatically unless canceled. You can cancel at any time through your app store account settings, and cancellation will take effect at the end of the then-current billing period unless the applicable store's rules provide otherwise. Fees paid are generally non-refundable except where required by law or where the applicable store or payment processor's refund policies apply. Any refund requests must be submitted through the store or payment processor that processed the transaction.
All content, functionality, and features available through the Services (including text, software, images, displays, and the arrangement thereof) are owned by MoneyPath AI, its licensors, or other content providers and are protected by applicable intellectual property laws. These Terms permit you to access and use the Services for your personal, non-commercial use. You must not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit materials from the Services without our written permission.
No right, title, or interest in or to the Services or any content therein is transferred to you. All rights not expressly granted are reserved by MoneyPath AI. Any use of the Services not expressly permitted by these Terms is a breach and may violate copyright, trademark, or other laws.
MoneyPath AI's name, logos, service names, and other identifying marks are trademarks of X Tracker LLC or its affiliates. You must not use any such marks without our prior written permission. All other product or service names, logos, or slogans displayed in the Services are the property of their respective owners.
You may use the Services only for lawful purposes and in accordance with these Terms. You agree not to:
You also agree not to place your personal login credentials at unnecessary risk (for instance, by publicly posting them).
MoneyPath AI may employ open banking solutions or other third-party aggregators (e.g., Plaid) to retrieve and display your external financial account data. By granting permission to access a bank account, credit or debit card, or other accounts you acknowledge that the chosen aggregator may process your personal and financial information according to its terms, which may differ from ours. Specifically, if you use Plaid to connect your accounts, you acknowledge and agree that your data will be treated in accordance with Plaid's Privacy Policy. We disclaim liability for issues arising from the aggregator's actions or omissions beyond our reasonable control.
Although our Services do not include a public forum for user-generated content such as social networking or community sharing, you may still communicate with us or provide feedback, suggestions, or support communications ("Submissions"). All Submissions must be lawful and must not violate or infringe any intellectual property or other rights. By sending us any Submissions, you grant MoneyPath AI a nonexclusive, worldwide, royalty-free license to use, copy, display, perform, or adapt your Submissions for internal business purposes, support, or improvements. You retain any intellectual property rights you hold in such Submissions.
We are not obligated to monitor or remove content that you choose to provide privately or directly to MoneyPath AI, and we disclaim liability for any such communications.
Your use of the Services is at your own risk. The Services and all content, materials, or features included therein are provided on an "as is" and "as available" basis without any warranties of any kind, whether express or implied. MoneyPath AI and its affiliates, licensors, and service providers disclaim all warranties, including warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not guarantee the accuracy, availability, or reliability of data or features within the Services and do not warrant that the Services are free of viruses, errors, or interruptions. Laws in certain jurisdictions may not allow disclaimers of implied warranties, so some or all of these disclaimers may not apply to you.
MoneyPath AI provides tools to help you view, organize, and track financial information. We are not a bank, broker, lender, accountant, tax advisor, or financial advisor, and we do not provide financial, investment, tax, or legal advice. Any categorizations, summaries, projections, alerts, or other outputs provided through the Services (including any outputs generated using automated or AI-based features) are for informational purposes only and may not be accurate, complete, or up to date.
You are solely responsible for verifying information, monitoring your accounts, and for all decisions and actions you take based on your use of the Services. If you need professional advice, you should consult a qualified professional.
To the fullest extent permitted by law, MoneyPath AI, its affiliates, and their respective officers, directors, employees, agents, licensors, or service providers are not liable for damages of any kind (including direct, indirect, incidental, consequential, or punitive damages) arising out of or connected to your use of or inability to use the Services, any third-party links or services, or unauthorized access to your transmissions or data. If the foregoing limitation is held unenforceable, MoneyPath AI's total liability to you for all losses or causes of action shall not exceed the amount, if any, that you paid for the specific Services in the twelve (12) months prior to the event giving rise to liability. The above exclusions and limitations may not apply in jurisdictions that do not allow the exclusion of certain warranties or certain damages.
You agree to defend, indemnify, and hold harmless MoneyPath AI, its affiliates, licensors, and service providers, and their respective officers, directors, employees, agents, and successors, from any claims, liabilities, damages, judgments, awards, losses, or expenses (including reasonable attorneys' fees) arising out of or relating to your breach of these Terms, your misuse of the Services, your violation of any law, or your infringement of any third-party right.
All matters relating to the Services and these Terms, and any dispute or claim arising out of or in connection with them, shall be governed by the laws of the State of Florida, without regard to its conflict-of-law provisions.
Except where prohibited by law, you and MoneyPath AI agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Services, or our relationship shall be resolved exclusively by final and binding arbitration on an individual basis, rather than in court. This agreement to arbitrate includes any claims regarding the interpretation, breach, or validity of these Terms. The arbitration shall be administered by a recognized arbitration provider (such as the American Arbitration Association) and use its applicable rules. The arbitration hearing shall be held in Miami-Dade County, Florida, unless both parties agree otherwise.
You and MoneyPath AI each waive any right to bring or participate in a class, consolidated, or representative action. The arbitrator shall not consolidate more than one person's claims or otherwise preside over any form of class or representative proceeding unless both parties specifically agree in writing.
You or MoneyPath AI may assert claims in small claims court if they qualify, and each party may seek injunctive or other equitable relief for intellectual property infringement or other limited claims in a court of competent jurisdiction.
By consenting to arbitration, you and MoneyPath AI each waive the right to a jury trial or to participate in any class action or consolidated proceeding, unless otherwise stated above.
If any portion of this arbitration clause is deemed invalid or unenforceable, the remainder shall remain in full force and effect.
No waiver by MoneyPath AI of any term or condition in these Terms shall be deemed a continuing waiver or a waiver of any other term or condition. If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court or tribunal of competent jurisdiction, that provision shall be eliminated or limited to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
These Terms of Service, along with our Privacy Policy and any separate Terms of Sale or additional agreements incorporated by reference, constitute the entire agreement between you and X Tracker LLC d/b/a MoneyPath AI with respect to the Services. They supersede all prior or contemporaneous agreements, understandings, or representations, whether written or oral, regarding the Services.
Copyright © 2026 X Tracker LLC. All Rights Reserved.
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