Terms of Service

1. Description of Service

DimeShield is a personal finance and budgeting application that allows you to connect bank accounts, track transactions, create budgets, set savings goals, and monitor your financial health. DimeShield is a financial management tool only. It is not a bank, investment advisor, tax advisor, or financial institution.

2. Not Financial Advice

DimeShield does not provide financial, investment, tax, or legal advice. AI responses can be incorrect and do not guarantee results. All budgeting tools, reports, insights, and projections within DimeShield are for informational and organizational purposes only. You are solely responsible for all financial decisions you make. DimeShield makes no representations about the accuracy or completeness of financial data provided by your financial institutions through Plaid.

3. Account Registration

You must be at least 13 years of age to create a DimeShield account. You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You agree to provide accurate information when creating your account and to keep it current.

4. Bank Account Connections

DimeShield connects to your financial institutions through Plaid Technologies, Inc. These connections are read-only — DimeShield cannot move, transfer, or initiate transactions in your accounts. By connecting an account you authorize DimeShield and Plaid to access your financial data for the purpose of providing the Service. You may remove any bank connection at any time from within the app. Availability of specific financial institutions through Plaid is not guaranteed and may change.

5. Subscription and Payment

Available prices, billing periods, trial eligibility, and renewal terms are shown in the purchase flow and your store receipt. Subscriptions may renew automatically unless cancelled through the purchasing store. Manage Apple purchases through your Apple Account and Google Play purchases through Google Play. Refund requests are subject to the purchasing platform and applicable law. Nothing here limits mandatory consumer rights.

6. Cancellation

You may cancel your subscription at any time. Upon cancellation, your subscription remains active through the end of the current paid period. DimeShield does not prorate partial-period refunds unless required by law. After paid access expires, the app may require reactivation before you can use subscription features. Contact support if you need help accessing account information. Review dimeshield.com/delete-account for current account closure and data erasure options. Account closure does not automatically cancel store billing.

7. Acceptable Use

You agree not to: • Use DimeShield for any unlawful purpose • Attempt to reverse-engineer, decompile, or extract source code from the Service • Use automated tools to scrape or access the Service without permission • Share your account credentials with others • Misrepresent your identity or create fraudulent accounts • Interfere with the security or integrity of the Service or its infrastructure

8. Intellectual Property

All content, design, trademarks, logos, and software within DimeShield are owned by or licensed to DimeShield, Inc. and protected by applicable intellectual property laws. You may not use, copy, reproduce, or distribute DimeShield content without our prior written permission, except as permitted by these Terms.

9. Disclaimer of Warranties

DimeShield is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to merchantability, fitness for a particular purpose, or non-infringement. DimeShield does not warrant that the Service will be uninterrupted, error-free, or that transaction data from your financial institutions will be complete or accurate.

10. Limitation of Liability

To the fullest extent permitted by applicable law, DimeShield, Inc. and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, arising from your use of or inability to use the Service. DimeShield's total liability for any claim arising under these Terms shall not exceed the amount you paid to DimeShield in the 12 months preceding the claim.

11. Changes to the Service or Terms

We may modify these Terms or the Service at any time. We will provide reasonable notice of material changes via email or in-app notification. Continued use of DimeShield after the effective date of changes constitutes acceptance of the updated Terms.

12. Account Termination

We reserve the right to suspend or terminate your account if you violate these Terms or engage in conduct that we determine is harmful to DimeShield, its users, or third parties. You may terminate your account at any time from within the app.

13. Governing Law

These Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict of law provisions. Any disputes arising under these Terms shall be resolved in the courts located in Delaware.

14. Contact