Terms of Service

1. Acceptance of Terms

By creating an account or using our Service, you agree to these Terms and our Privacy Policy. If you do not agree, do not use our Service.

2. Eligibility

You must be at least 18 years old and a resident of the United States or Puerto Rico to use our Service. By using Luna Money, you represent and warrant that you meet these eligibility requirements.

3. Account Registration

• You must provide accurate, current, and complete information
• You are responsible for maintaining the security of your account
• You must notify us immediately of any unauthorized access
• You are responsible for all activities under your account
• One person may not maintain multiple accounts

4. Description of Service

Luna Money provides:

• Financial account aggregation and transaction tracking
• Budget management and spending insights
• Safe to Spend™ real-time spending calculations
• AI-powered financial coaching (Coco assistant)
• Automatic transaction categorization and recommendations
• Financial goal setting and tracking
• Debt management tools (OsPulse)
• Financial wellness tracking (Luna Score, daily check-ins)
• Achievement system (Little Big Wins)
• Cash flow analysis and projections
• Financial calculators and planning tools
• Enterprise account management (for business customers)
• Progressive Web App functionality

Investment Account Tracking

Luna Money offers investment account aggregation and tracking features that allow you to:

• Connect investment accounts via Plaid
• View portfolio balances and holdings
• Track investment performance over time
• Analyze asset allocation and diversification
• Monitor investment goals and progress

Luna Money's investment features display your existing investments and provide algorithmic analysis (such as allocation breakdowns, performance metrics, and risk scores) for educational purposes only. These analyses are automated calculations based on historical data and do not constitute personalized investment advice or recommendations.

Our Service is for informational purposes only and does not constitute financial, investment, tax, or legal advice.

5. Consulting Services - Separate Terms

Nature of Consulting Services

OS Financial LLC offers limited, private consulting services in the following areas:

• Personal financial transformation and behavioral habit formation
• Business financial optimization and strategic planning
• Educational workshops and thought leadership programs
• Enterprise wellness programs

Consulting Services Are NOT Covered by App Subscription

Your Luna Money app subscription does NOT include consulting services. Consulting services are:

• Billed separately with custom pricing based on engagement scope
• Subject to separate written agreements between you and OS Financial LLC
• Subject to availability and acceptance by OS Financial LLC
• Delivered independently of the Luna Money application

Limited Availability and Right to Refuse

Consulting services are offered on a limited basis to maintain quality and personalized attention. OS Financial LLC:

• Reserves the right to accept or decline any consulting inquiry without explanation
• May limit the number of active consulting clients at any given time
• May adjust availability based on focus on building and improving Luna Money
• Does not guarantee availability of consulting services

Consulting Services Disclaimers

Not a Licensed Financial Adviser: OS Financial LLC and its representatives are NOT:

• Registered investment advisers with the SEC or any state securities regulator
• Certified Financial Planners (CFP®)
• Certified Public Accountants (CPA)
• Licensed insurance agents
• Attorneys or legal advisers

Services Provided: Our consulting services focus exclusively on:

• Behavioral finance and habit formation strategies
• Financial organization and budgeting systems
• Spending control mechanisms and accountability frameworks
• Business cash flow analysis and operational optimization
• Luna Money platform training and utilization
• Educational content on behavioral financial intelligence

Services NOT Provided: We do NOT provide:

• Investment advice or securities recommendations
• Portfolio management or asset allocation services
• Tax preparation or tax planning advice
• Legal advice or estate planning
• Insurance recommendations or sales
• Fiduciary investment management

Consulting Engagement Terms

If you choose to engage our consulting services:

• You will receive a separate written consulting agreement detailing scope, fees, and terms
• Consulting fees are separate from and in addition to any Luna Money app subscription
• Payment terms, refund policies, and cancellation terms will be specified in the consulting agreement
• Minimum engagement periods may apply (typically 3-12 months depending on service type)
• You acknowledge that results are not guaranteed and depend on your implementation of recommendations

Educational and Informational Purposes Only

All consulting services are provided for educational and informational purposes only. Any recommendations, suggestions, strategies, or frameworks provided during consulting engagements:

• Are based on behavioral finance principles and technology-assisted habit formation
• Are not personalized financial, investment, tax, or legal advice requiring professional licensure
• Should be discussed with appropriate licensed professionals before implementation
• May not be suitable for your specific circumstances without professional review

No Fiduciary Relationship

Consulting services do NOT create a fiduciary relationship. OS Financial LLC does not:

• Act as your fiduciary under securities laws or regulations
• Have custody or control of your assets
• Have authority to make financial decisions on your behalf
• Guarantee any specific financial outcomes or results

Consulting Limitation of Liability

IN ADDITION TO THE LIMITATIONS IN SECTION 11, FOR CONSULTING SERVICES:

• We are not liable for financial outcomes resulting from implementation or non-implementation of recommendations
• You acknowledge that behavioral change requires personal commitment and implementation
• Results vary based on individual circumstances, effort, and market conditions
• We make no guarantees about specific financial improvements, savings, or debt reduction
• Our liability for consulting services shall not exceed the total fees paid for that specific engagement

Consulting Inquiries

Submitting an inquiry through the "Work with Me" page or emailing about consulting services does NOT:

• Create any contractual obligation or consulting relationship
• Guarantee acceptance as a consulting client
• Obligate OS Financial LLC to provide any services
• Create any confidential or privileged relationship until a formal agreement is signed

6. Subscription and Payment

Subscription Plans

We offer multiple subscription tiers with the following account limits:

• Starter: Connect up to 5 bank accounts across 3 financial institutions
• Plus: Connect up to 10 bank accounts across 8 financial institutions
• Pro: Connect up to 20 bank accounts across 15 financial institutions
• Enterprise: Custom limits and pricing available

Prices are subject to change with 30 days notice.

Free Trial

New users may be eligible for a free trial period. At the end of the trial, your subscription will automatically begin unless you cancel before the trial ends.

Billing

• Subscriptions are billed monthly or annually
• Payment is processed through Stripe
• You authorize us to charge your payment method
• Billing occurs at the start of each billing cycle

Refunds

All subscription fees are non-refundable except as required by law. We do not provide refunds or credits for partial billing periods.

Cancellation

You may cancel your subscription at any time through your account settings. Cancellation takes effect at the end of your current billing period. You will retain access to paid features until the end of the billing period.

7. Acceptable Use

You agree not to:

• Use the Service for any illegal purpose
• Attempt to gain unauthorized access to the Service
• Interfere with or disrupt the Service
• Use automated systems to access the Service without permission
• Transmit viruses or malicious code
• Impersonate another person or entity
• Share your account credentials with others

8. Financial Data Connection

By connecting your financial accounts:

• You authorize us to access your financial data via Plaid
• You confirm you have the right to grant this access
• You understand we have read-only access
• You can revoke access at any time

Please review Plaid's End User Privacy Policy and Terms of Service at plaid.com/legal.

Investment Account Connections

When connecting investment accounts (such as brokerage accounts, retirement accounts, or robo-advisor accounts):

• You authorize us to access investment account data via Plaid for tracking purposes only
• We have read-only access and cannot execute trades or move money
• We display portfolio holdings, balances, and performance data for informational purposes
• We do not provide advice on your investment holdings or recommendations to buy/sell
• You can disconnect investment accounts at any time through account settings
• Investment data may be delayed by 24-48 hours depending on your financial institution

By connecting investment accounts, you acknowledge that Luna Money is a tracking tool and that you will not rely on our Service for investment advice or decisions.

9. Intellectual Property

All content, features, and functionality of our Service are owned by OS Financial LLC and are protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of our Service.

10. Privacy and Data Security

Your use of our Service is governed by our Privacy Policy. We implement industry-standard security measures to protect your data, but no method of transmission over the Internet is 100% secure. Luna Money stores and accesses your financial data to provide our service. We do not sell your personal or financial data to third parties.

11. Disclaimers

No Financial or Investment Advice

Luna Money does not provide financial, investment, tax, or legal advice. All information and tools provided through our Service, including but not limited to budgeting tools, spending recommendations, investment tracking, portfolio analysis, risk scores, and financial projections, are for educational and informational purposes only.

Not an Investment Adviser

OS Financial LLC and Luna Money are NOT registered as investment advisers with the U.S. Securities and Exchange Commission (SEC), any state securities regulator, or the Financial Industry Regulatory Authority (FINRA). We do not:

• Provide personalized investment recommendations
• Advise you to buy, sell, or hold any securities
• Manage investment portfolios
• Act as a broker-dealer or custodian of securities
• Offer asset allocation advice or portfolio optimization services

Investment Tracking Limitations

Our investment tracking features aggregate and display information about your investment accounts through third-party services like Plaid. While we strive for accuracy:

• Investment data may be delayed or contain errors
• We are not responsible for the accuracy of data provided by Plaid or financial institutions
• Portfolio valuations are estimates and may differ from official account statements
• Performance calculations are based on available data and may not reflect all factors affecting your investments
• Risk scores and allocation analyses are algorithmic calculations and should not be relied upon as investment advice

Algorithmic Analysis Disclaimer

Luna Money uses algorithms to analyze your financial data and provide insights such as:

• Safe to Spend™ calculations
• Budget recommendations
• Investment portfolio risk scores
• Asset allocation breakdowns
• Spending patterns and predictions
• Financial projections and goal tracking

These algorithmic outputs are automated calculations based on mathematical formulas and historical data. They are not personalized financial advice and should not be the sole basis for financial decisions. Algorithms cannot account for your unique circumstances, risk tolerance, time horizon, tax situation, or other personal factors that a licensed financial adviser would consider.

Past Performance Disclaimer

Any performance data, historical returns, or investment growth projections shown in Luna Money are for informational purposes only. Past performance is not indicative of future results. All investments involve risk, including the possible loss of principal.

No Warranty

The Service is provided "AS IS" and "AS AVAILABLE" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement.

Third-Party Services

We are not responsible for the actions, products, content, or services of third-party providers including Plaid, your financial institutions, payment processors, or any other integrated services. Your use of third-party services is governed by their respective terms and privacy policies.

Consult Licensed Professionals

You should consult with licensed professionals regarding:

• Investment decisions: A registered investment adviser or financial planner
• Tax matters: A certified public accountant (CPA) or tax attorney
• Legal issues: A licensed attorney
• Insurance needs: A licensed insurance agent

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OS FINANCIAL LLC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, INCLUDING BUT NOT LIMITED TO LOSSES RESULTING FROM:

• Your use or inability to use the Service
• Any investment decisions made based on information from our Service
• Errors or inaccuracies in financial data or calculations
• Unauthorized access to your accounts
• Third-party actions or failures

IN NO EVENT SHALL OUR AGGREGATE LIABILITY EXCEED THE AMOUNTS ACTUALLY PAID BY YOU IN THE SIX (6) MONTH PERIOD PRECEDING THE EVENT GIVING RISE TO LIABILITY.

13. Indemnification

You agree to indemnify and hold harmless OS Financial LLC and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising from your use of the Service or violation of these Terms.

14. Termination

We may terminate or suspend your account immediately, without prior notice, for any reason, including:

• Breach of these Terms
• Fraudulent or illegal activity
• Non-payment of fees
• Harm to other users or the Service

15. Dispute Resolution

Binding Arbitration

Any dispute arising from these Terms or your use of the Service shall be resolved through binding arbitration in accordance with the American Arbitration Association's Consumer Arbitration Rules. The arbitration shall be conducted in Erie, Pennsylvania.

Class Action Waiver

YOU AGREE THAT ANY DISPUTES SHALL BE BROUGHT IN YOUR INDIVIDUAL CAPACITY ONLY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS OR REPRESENTATIVE PROCEEDING.

Small Claims Exception

Either party may bring a dispute in small claims court in Erie County, Pennsylvania, if the dispute qualifies.

16. Governing Law

These Terms shall be governed by the laws of the Commonwealth of Pennsylvania, without regard to its conflict of law provisions.

17. Changes to Terms

We may update these Terms from time to time. We will notify you of material changes by email or through the Service. Your continued use after changes constitutes acceptance of the new Terms.

18. Miscellaneous

• Entire Agreement: These Terms constitute the entire agreement between you and OS Financial LLC
• Severability: If any provision is found unenforceable, the remaining provisions will continue in effect
• Waiver: No waiver of any term shall be deemed a further waiver
• Assignment: You may not assign these Terms without our written consent

19. Usage Limits and Fair Use

• AI assistant has daily usage limits that reset every 24 hours
• Excessive API usage may result in temporary rate limiting
• Account connection limits based on subscription tier
• We reserve the right to implement additional usage limits to ensure service quality

20. Enterprise Accounts

For business customers using enterprise accounts:

• Custom account limits and pricing apply
• Separate data processing agreements may be required
• Bulk account creation and management available
• Enhanced support and service level agreements
• Custom billing and invoicing arrangements

21. Investment Tracking Features - Additional Terms

Nature of Investment Tracking Service

Luna Money's investment tracking features are data aggregation and visualization tools. They are designed to help you:

• See all your investment accounts in one place
• Track your portfolio performance over time
• Understand your asset allocation
• Monitor progress toward investment goals

These features do NOT include, and should not be construed as:

• Personalized investment advice or recommendations
• Portfolio management or rebalancing services
• Buy, sell, or hold recommendations for specific securities
• Asset allocation strategies tailored to your individual circumstances
• Tax planning or tax optimization advice

Automated Analysis and Calculations

Luna Money may provide automated calculations and analysis including:

• Risk Scores: Algorithmic assessments of portfolio volatility based on historical data
• Diversification Analysis: Calculations showing sector exposure and concentration
• Performance Comparisons: Benchmarking against market indices (e.g., S&P 500)
• Projection Tools: Estimates of future portfolio values based on assumed growth rates

These are informational tools, not recommendations. They are:

• Based on historical data and mathematical formulas
• Not tailored to your specific financial situation, goals, or risk tolerance
• Subject to limitations and may not be accurate
• Not a substitute for professional financial advice

Your Responsibilities

When using investment tracking features, you agree that:

• You are solely responsible for all investment decisions
• You will not rely on Luna Money's features as your sole source of investment information
• You will verify all data with official account statements from your financial institutions
• You will consult with licensed financial professionals before making significant investment decisions
• You understand that investment performance data may be delayed, incomplete, or contain errors

No Fiduciary Relationship

By using Luna Money's investment tracking features, you acknowledge and agree that:

• No fiduciary relationship exists between you and OS Financial LLC
• We do not act as your investment adviser, financial planner, or fiduciary
• We have no duty to monitor your investments or alert you to potential issues
• We are not responsible for investment losses or missed opportunities

Third-Party Investment Data

Investment data is provided by third parties (primarily Plaid and your financial institutions). We:

• Do not guarantee the accuracy, completeness, or timeliness of investment data
• Are not responsible for errors or delays in third-party data
• Recommend you verify all data with official account statements
• May display market data and security prices that are delayed or estimated

Securities Disclaimers

Luna Money is not a broker-dealer, investment adviser, or financial institution. We:

• Cannot execute trades on your behalf
• Cannot transfer or withdraw funds from investment accounts
• Do not custody or hold securities
• Do not provide securities research or recommendations
• Are not members of FINRA or SIPC

22. Contact Information

For questions about these Terms, please contact us:

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