Terms of Service

Geographic Availability

Trupocket is available only to US residents. We are not focusing on compliance or usability outside of the United States at this time. International support may be added in the future.

Subscription Plans

We offer three subscription plans with different features and limits:

Free Plan - $0/month

• API Calls: 20 per day

• Transactions: 60 per month

• Households: 1 household

• Data Access: 90 days (older data not processed or accessible)

• Webhooks: Not available

Premium Plan - $2.99/month

• API Calls: 1,000 per day

• Transactions: Unlimited

• Households: Unlimited

• Data Access: 2 years (older data not processed or accessible)

• Webhooks: Not available

Developer Plan - $29.99/month

• API Calls: 10,000 per day

• Transactions: Unlimited

• Households: Unlimited

• Data Access: Unlimited (all historical data accessible)

• Webhooks: Available

• Priority Support: Faster response times

Account Requirements

• Must be 18 years or older to create an account

• One account per email address

• Must provide accurate account information

• Responsible for maintaining account security and password confidentiality

• Must be a US resident

Billing & Subscriptions

• Automatic Renewal: Subscriptions renew automatically each month unless canceled

• Payment Processing: All payments processed securely via Stripe

• Price Changes: We may change prices with 30 days advance notice via email

• No Refunds: All sales are final; service continues through end of current billing period

• Cancellation: Cancel anytime; subscription remains active until end of billing period, then downgrades to Free plan

Payment Failure & Grace Period

• If payment fails, you have a 7-day grace period to update payment information

• After 7 days, your account downgrades to Free plan (non-destructive; all data preserved)

• You can upgrade anytime by updating payment method

• Rate limits and data access restrictions apply immediately upon downgrade

Non-Destructive Downgrade

When downgrading from a paid plan to Free plan (whether by cancellation or payment failure), all your data is preserved. However, data older than the Free plan limit (90 days) becomes inaccessible. If you upgrade again, historical data becomes accessible again.

Rate Limits by Plan

• Free: 20 API calls per day, 60 transactions per month, 1 household

• Premium: 1,000 API calls per day, unlimited transactions, unlimited households

• Developer: 10,000 API calls per day, unlimited transactions, unlimited households

Rate Limit Enforcement

• Exceeding rate limits results in HTTP 429 (Too Many Requests) responses

• Rate limits reset daily (API calls) or monthly (transactions)

• Repeated violations may result in temporary API blocks or account suspension

Personal Access Tokens (PATs)

Personal Access Tokens provide an alternative authentication method for API access:

• Token-based authentication: Use PATs as Bearer tokens in the Authorization header

• Scoped permissions: Tokens can be granted specific access levels (read-only, read-write, or admin)

• Expiration: Tokens can be set to expire after a specified period for security

• Revocation: Tokens can be revoked at any time from your account settings

• Secure storage: Token values are shown only once at creation; store them securely

Security Note: Treat your PATs like passwords. Never share them publicly, commit them to source code, or expose them in client-side applications.

Prohibited Activities

• Illegal Activity: Violating any local, state, national, or international law

• Security Breaches: Attempting to breach security, access unauthorized data, or exploit vulnerabilities

• Service Abuse: Scraping, automated abuse, DDoS attacks, or circumventing rate limits

• Account Sharing: Sharing account credentials with unauthorized users

• Reverse Engineering:Reverse engineering the platform code (API usage is encouraged; reverse engineering isn't)

• Spam & Automated Abuse: Sending spam or using automated systems to abuse the service

• Financial Violations: Violating financial regulations in your jurisdiction

• Impersonation: Impersonating others or providing false information

• Interference:Interfering with other users' access to the service

• Harassment: Using the service to harm, threaten, or harass others

• Money Laundering: Using the service for money laundering or terrorist financing

Consequences of Violations

Violations of this Acceptable Use Policy may result in:

• Warning and request to cease prohibited activity

• Temporary suspension of API access

• Immediate account termination (for severe violations)

• Legal action (for illegal activity or security breaches)

• Reporting to law enforcement (if required)

Commercial API Usage

• Developer plan may use the Trupocket API for commercial purposes

• You may build applications, integrations, or services on top of the Trupocket API

• You must respect rate limits and not abuse the service

Attribution Requirements

• Applications using the Trupocket API must display "Powered by Trupocket" attribution

• Exact attribution requirements and placement will be defined in developer documentation

Trademark Restrictions

• You may notuse the "Trupocket" trademark or brand assets without permission

API Changes & Communication

• API changes will be communicated via developer newsletter and changelog

• Breaking API changes will have deprecation notice when possible (MVP may have faster changes)

• Subscribe to developer updates at [email protected]

Grounds for Termination

We reserve the right to terminate accounts for:

• Violation of these Terms of Service

• Violation of Acceptable Use Policy

• Abuse of service (excessive API calls, attempts to breach security)

• Fraudulent payment activity

• Illegal activity or financial violations

• Impersonation or false information

• Harassment or harm to other users

Termination Process

• 7 days notice when possible (for non-severe violations)

• Immediate termination for severe violations (security breaches, illegal activity, fraud)

• You may export your data before termination (if notice is given)

• Banned users/IP addresses may not create new accounts

No Refunds Upon Termination

If your account is terminated for violating these Terms, you are not entitled to a refund for any unused portion of your subscription.

Your Data

• You own your financial data: All transactions, accounts, budgets, and financial information you enter

• You can export your data: Request a full data export at any time via [email protected]

• You can delete your data: Request account deletion at any time (see Privacy Policy)

• You grant Trupocket a license: To store and process your data to provide the service

• You are responsible for accuracy: We are not liable for errors in data you enter

Trupocket Ownership

ForceCore LLC owns:

• The Trupocket platform, code, and API

• Aggregated, anonymized metrics and statistics

• System data and performance metrics

• The "Trupocket" trademark and brand assets

• All documentation, API specifications, and intellectual property

Open-Source Libraries

Trupocket may use open-source libraries and dependencies. These libraries retain their original licenses and are not owned by ForceCore LLC.

Terms for Future Features

• Future features may require acceptance of additional terms

• Future features may involve additional third-party services and data sharing

• Future features are provided "as-is" when released (subject to MVP disclaimer)

• Future features may be subject to additional fees

• Future features are not guaranteed and may be modified or discontinued

Bank Synchronization (When Released)

When bank account synchronization is introduced:

• You authorize Trupocket to access your bank accounts via third-party services on your behalf

• Your bank credentials and transaction data will be shared with the financial data provider (Plaid, Yodlee, etc.)

• You will be notified of changes to data sharing practices via email and updated Privacy Policy

• Additional consent and terms will be required before connecting bank accounts

Financial Information Disclaimer

• Trupocket is NOT a bank - We are a financial tracking and organization tool only

• Deposits are NOT FDIC insured - Money you track in Trupocket is held at your own financial institutions, not with us

• No custody of funds - Trupocket never holds, transfers, or has access to your actual money

• Data only - We only store data about your finances that you manually enter

Calculation Accuracy Disclaimer

All financial calculations, reports, and forecasts are informational only and may contain errors:

• Client-side calculations: Reports, budgets, forecasts, and aggregations may be computed in your web browser from cached data

• Rounding and precision: Currency calculations may have rounding differences

• Cached data: Displayed values may be up to 30 minutes old depending on browser caching

• No guarantee: Always verify important figures against your actual bank statements and financial records

You should not make financial, tax, or legal decisions based solely on data displayed in Trupocket. Always consult your actual financial institution records and qualified professionals.

Service Provided "AS-IS"

Trupocket is provided "AS-IS" without warranties of any kind, including but not limited to:

• No guarantee of accuracy for financial calculations, reports, or insights

• No guarantee of uptime or availability (especially during MVP phase)

• No guarantee of data backup (backup your own data regularly!)

• No warranty of merchantability or fitness for a particular purpose

• No warranty that the service will be error-free or uninterrupted

No Professional Advice or Consulting

Trupocket is a software tool for organizing and tracking financial information. We do not provide professional advice, consulting, or personalized recommendations of any kind.

Limitation of Liability

Maximum liability is limited to the amount you paid to Trupocket in the past 12 months:

• Free Plan: $0 maximum liability

• Premium Plan: $35.88 maximum liability (12 x $2.99)

• Developer Plan: $359.88 maximum liability (12 x $29.99)

No Liability For

Trupocket and ForceCore LLC are not liable for:

• Data loss or corruption (backup your own data!)

• Service interruptions or outages (especially during MVP phase)

• Bugs, errors, or inaccuracies in calculations or reports

• Third-party service failures (Stripe, AWS, Plaid, etc.)

• Security breaches (we implement industry-standard security, but no system is 100% secure)

• Financial losses from decisions made using Trupocket

• Consequential, incidental, or indirect damages

• Lost profits, lost data, or business interruption

• Tax consequences or penalties from using the service

Your Responsibilities

• Backup your own data regularly (we are not responsible for data loss)

• Verify accuracy of all financial calculations before making decisions

• Use strong passwords and protect your account credentials

• Comply with applicable laws and regulations in your jurisdiction

• Keep payment information current to avoid service interruption

• Consult tax professionals for tax-related decisions

What is Arbitration?

Arbitration is an alternative dispute resolution method where both parties agree to have a neutral third party (arbitrator) resolve disputes instead of going to court. This means:

• No jury trial - An arbitrator decides the outcome, not a jury

• Limited appeal rights - Arbitration decisions are usually final

• Binding decision- Both parties must accept the arbitrator's decision

• Generally faster and less expensive than court litigation

Informal Resolution First

• For disputes under $500, you must first attempt informal resolution via [email protected]

• Good faith effort required for 30 days before proceeding to arbitration

Mandatory Binding Arbitration

• ALL disputes must be resolved through binding arbitration (not court litigation)

• Arbitration governed by American Arbitration Association (AAA) Consumer Arbitration Rules

• Each party pays own arbitration fees (subject to fee cap below)

• Arbitrator's decision is final and binding

• No jury trial, no court litigation

Arbitration Venue & Accessibility

To make arbitration accessible and fair:

• You may choose arbitration venue: Either your county of residence OR Mecklenburg County, North Carolina

• Remote Options: Arbitration may be conducted via video conference, telephone, or written submissions for your convenience

• Small Claims Option: For disputes under $10,000, arbitration may be conducted entirely through written submissions if you prefer

• No Travel Required: You are not required to travel to North Carolina for arbitration

Fee Protection

To ensure arbitration is accessible regardless of financial means:

• If your total arbitration costs exceed $1,000, Trupocket will cover the difference

• This includes arbitrator fees, filing fees, and administrative costs

• You are still responsible for your own attorney fees (unless the arbitrator awards them)

NO Class Action Lawsuits

• You waive the right to participate in class action lawsuits

• You waive the right to participate in class arbitrations

• All disputes must be brought individually

• This means you cannot join with other users to bring a class action or class arbitration

Governing Law

• Governed by the laws of North Carolina, USA

• Federal Arbitration Act governs the interpretation and enforcement of this arbitration agreement

• Each party pays own legal fees unless otherwise required by law or awarded by arbitrator

Exceptions to Arbitration

Either party may seek relief in court for:

• Intellectual property violations (trademark, copyright infringement)

• Disputes that qualify for small claims court(under your state's small claims limit)

• Injunctive relief to prevent immediate and irreparable harm

Opt-Out Right

You have the right to opt-out of this arbitration agreement:

• Send written notice to: ForceCore LLC, 5821 Fairview Road, Suite 218, Charlotte, NC 28209

• Must be sent within 30 days of first accepting these Terms

• Include your name, email address, and statement that you opt-out of arbitration

• If you opt-out, all other terms still apply, but disputes will be resolved in court

Your Indemnification Obligations

• Your Use of the Service: Any use or misuse of Trupocket by you or through your account

• Your Violations: Your violation of these Terms of Service or the Acceptable Use Policy

• Your Content: Any data, content, or information you submit to Trupocket

• Applications You Build: Applications, integrations, or services you build using the Trupocket API

• Third-Party Rights: Your violation of any third-party rights, including intellectual property rights, privacy rights, or contractual rights

• Legal Violations: Your violation of any law, regulation, or ordinance

• Other Users: Any harm caused to other Trupocket users through your actions

Survival

This indemnification obligation survives termination of your account and these Terms of Service.

Control of Defense

ForceCore LLC reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by you. You will cooperate fully with ForceCore LLC in the defense of any claim.

Entire Agreement

These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and ForceCore LLC. They supersede all prior agreements or understandings.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions remain in full force and effect. Invalid provisions will be modified to the minimum extent necessary to make them valid and enforceable.

No Waiver

Failure to enforce any right or provision does not waive that right. We may enforce any provision of these Terms at any time.

Assignment

• You may not transfer your account without our written permission

• We may transfer or assign our rights (e.g., if acquired by another company)

• You will be notified of any assignment that materially affects your rights

Force Majeure

We are not liable for delays or failures due to circumstances beyond our control, including:

• Natural disasters

• Acts of government or regulatory changes

• Network failures or infrastructure outages

• Third-party service failures (AWS, Stripe, etc.)

• Pandemics or public health emergencies

Export Control Compliance

By using Trupocket, you represent and warrant that:

• You are not located in a country subject to US embargo or sanctions

• You are not on any US government restricted parties list (including but not limited to the Specially Designated Nationals list)

• You will not use Trupocket in violation of any US export control laws or regulations

• You will comply with all applicable international export and import laws

Violation of export control laws may result in immediate account termination and legal action.

Contact Information

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

• Company: ForceCore LLC

• Mailing Address: 5821 Fairview Road, Suite 218, Charlotte, NC 28209

• General Support: [email protected]

• Legal Issues: [email protected]