Terms of Service

Last Updated: February 12, 2026

Welcome to MoneyFetch! These Terms of Service ("Terms") govern your use of the MoneyFetch mobile application ("App") provided by BlueHealthUS, Inc. ("Company," "we," "us," or "our").

By downloading, installing, or using the App, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the App.

1. Eligibility

To use the App, you must:

• Be at least 18 years of age
• Have the legal capacity to enter into these Terms
• Not be prohibited from using the App under applicable laws

2. Account Registration

2.1 Account Creation

To access certain features, you must create an account by providing accurate and complete information.

2.2 Account Security

You are responsible for:

• Maintaining the confidentiality of your login credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized access

2.3 Account Termination

We reserve the right to suspend or terminate your account if you violate these Terms or engage in fraudulent or illegal activities.

3. Description of Services

MoneyFetch provides:

• Transaction Tracking: Manual entry and automatic detection (via SMS on Android)
• Budget Management: Create and monitor spending budgets
• AI-Powered Insights: Personalized financial recommendations and analysis
• Spending Analytics: Charts, trends, and category breakdowns

4. Token System and Purchases

4.1 Tokens

Certain AI-powered features require tokens. Tokens can be purchased within the App.

4.2 Pricing

Token packages are offered at prices displayed in the App. Prices are in US Dollars and may change without notice.

4.3 Payment Processing

Payments are processed through the following platforms depending on your device:

Apple App Store — for iOS devices

Google Play Store** — for Android devices with Google Play Services

Stripe, Inc.** — for Huawei devices and other Android devices without Google Play Services

By making a purchase, you agree to the respective platform's terms of service. We do not have direct access to your payment card details.

4.4 No Refunds

4.5 Token Expiration

Tokens do not expire as long as your account remains active.

4.6 Subscriptions

Auto-Renewal: Subscriptions automatically renew at the end of each billing period (monthly or yearly) unless canceled at least 24 hours before the end of the current period.

Cancellation: You may cancel your subscription at any time through your Apple App Store or Google Play Store account settings. Cancellation takes effect at the end of the current billing period.

No Partial Refunds: We do not provide refunds or credits for partial subscription periods. If you cancel, you will retain access to subscription benefits until the end of your current billing period.

Price Changes: We may change subscription prices at any time. Price changes will take effect at the start of the next billing period following notice to you.

5. User Conduct

You agree not to:

• Use the App for any illegal purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the App's functionality
• Upload malicious code or content
• Impersonate another person or entity
• Use the App to harass, abuse, or harm others
• Reverse engineer, decompile, or disassemble the App
• Use automated scripts or bots to access the App
• Share your account credentials with others

6. Intellectual Property

6.1 Our Property

The App, including its design, features, content, and technology, is owned by BlueHealthUS, Inc. and protected by intellectual property laws.

6.2 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to use the App for personal, non-commercial purposes.

6.3 Restrictions

You may not copy, modify, distribute, sell, or lease any part of the App without our written consent.

7. User Content

7.1 Your Data

You retain ownership of the financial data you input into the App.

7.2 License to Us

By using the App, you grant us a license to use, store, and process your data solely to provide and improve our services.

7.3 Anonymized Data

We may use anonymized, aggregated data for research, analytics, and service improvement. This data cannot be used to identify you.

8. Third-Party Services

8.1 Integrations

The App may integrate with third-party services (e.g., Stripe for payments, AWS for hosting). Your use of these services is subject to their respective terms.

8.2 SMS Reading (Android)

The SMS reading feature accesses messages from banking institutions only. We are not responsible for the accuracy or completeness of data extracted from SMS messages.

9. Disclaimers

9.1 "As Is" Basis

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED.

9.2 No Financial Advice

9.3 Accuracy

We do not guarantee the accuracy, completeness, or reliability of:

• Transaction data extracted from SMS messages
• AI-generated insights and recommendations
• Budget projections and spending forecasts

9.4 Availability

We do not guarantee uninterrupted or error-free access to the App.

9.5 AI-Generated Content

Nature of AI Responses: The App uses third-party artificial intelligence services to provide insights, analyze receipts, and respond to questions. AI-generated content is created automatically by machine learning algorithms and is NOT reviewed, verified, or endorsed by BlueHealthUS, Inc. or any human expert.

AI Limitations: You acknowledge and agree that:

• AI may produce inaccurate, incomplete, or misleading information
• AI may "hallucinate" - generate content that appears factual but is incorrect
• AI responses are based on patterns in data, not professional expertise
• AI cannot access real-time financial markets, your actual bank accounts, or external data sources
• AI may misread or incorrectly interpret receipt images and SMS messages

Not Professional Advice: AI-generated content does NOT constitute:

• Financial, investment, or tax advice
• Legal advice
• Medical, psychological, or mental health advice
• Professional advice of any kind

Your Responsibility: You are solely responsible for:

• Verifying all AI-generated information before acting on it
• Making your own financial decisions
• Consulting qualified professionals (financial advisors, accountants, lawyers) for important decisions
• Reviewing and correcting any transactions automatically created from receipts or SMS

No Reliance: You agree not to rely solely on AI-generated content for any significant financial, legal, health, or personal decisions. BlueHealthUS, Inc. is not liable for any actions you take based on AI-generated content.

Token Consumption: Tokens are consumed when AI generates a response. Tokens are non-refundable regardless of whether you find the AI response useful, accurate, or satisfactory.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
• OUR TOTAL LIABILITY SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE PAST 12 MONTHS
• WE ARE NOT LIABLE FOR ANY FINANCIAL DECISIONS YOU MAKE BASED ON THE APP'S INFORMATION

AI-Specific Limitations: Without limiting the foregoing, we expressly disclaim any liability for:

• Decisions made based on AI-generated insights or recommendations
• Financial losses resulting from reliance on AI-generated content
• Errors in AI receipt scanning or transaction categorization
• Inaccurate AI responses to your questions
• Any actions taken or not taken based on AI suggestions

11. Indemnification

You agree to indemnify and hold harmless BlueHealthUS, Inc., its officers, directors, employees, and agents from any claims, damages, losses, or expenses arising from:

• Your use of the App
• Your violation of these Terms
• Your violation of any third-party rights
• Your reliance on AI-generated content
• Decisions you make based on information provided by the App
• Claims that AI-generated content caused you harm or financial loss

12. Dispute Resolution

12.1 Governing Law

These Terms are governed by the laws of the State of Delaware, United States.

12.2 Arbitration

Any disputes arising from these Terms or the App shall be resolved through binding arbitration in accordance with the American Arbitration Association rules.

12.3 Class Action Waiver

You agree to resolve disputes individually and waive any right to participate in class action lawsuits or class-wide arbitration.

12.4 Exceptions

Nothing in this section prevents either party from seeking injunctive relief in court for intellectual property violations.

13. Changes to Terms

We may modify these Terms at any time. Changes will be effective when posted in the App. Continued use of the App after changes constitutes acceptance of the new Terms.

14. Termination

14.1 By You

You may terminate your account at any time by contacting support@moneyfetch.app or using the account deletion feature in the App.

14.2 By Us

We may terminate or suspend your account immediately, without notice, for any reason, including violation of these Terms.

14.3 Effect of Termination

Upon termination:

• Your license to use the App is revoked
• Unused tokens are forfeited and non-refundable
• We may delete your data in accordance with our Privacy Policy

15. General Provisions

15.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the App.

15.2 Severability

If any provision of these Terms is found invalid, the remaining provisions remain in effect.

15.3 Waiver

Our failure to enforce any right or provision does not constitute a waiver of that right or provision.

15.4 Assignment

You may not assign your rights under these Terms without our consent. We may assign our rights without restriction.

16. Contact Us

If you have questions about these Terms, please contact us: