Terms & Conditions

1. Acceptance of Terms

By creating an account, accessing, or using OnTrack Money ("the Service"), you acknowledge that you have read, understood, and agree to be bound by these Terms & Conditions ("Terms"). These Terms constitute a legally binding agreement between you and OnTrack Group, LLC ("we," "us," or "our"), the operator of the Service.

If you do not agree to these Terms, you must not access or use the Service. Your continued use of the Service following the posting of revised Terms constitutes your acceptance of those changes.

2. Eligibility

You must be at least 18 years of age to use the Service. By using the Service, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms. If you are using the Service on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

3. Service Description

OnTrack Money is a personal budgeting and financial tracking application. The Service enables you to:

• Create and manage budgets with custom categories and line items
• Record, categorize, and track financial transactions
• Connect external bank accounts to import transaction data via Plaid
• Manage multiple financial accounts (checking, savings, credit cards)
• Customize preferences including display, notification, and budget settings

The Service is provided as a tool for personal financial organization. It is not a financial institution, bank, credit counselor, or financial advisor.

4. Account Registration & Security

To use the Service, you must register for an account using a valid email address. Authentication is handled through a six-digit one-time passcode sent to your email. You agree to:

• Provide accurate, current, and complete information during registration and onboarding
• Maintain the security of your email account, as it serves as your primary authentication method
• Notify us immediately of any unauthorized access to or use of your account
• Accept responsibility for all activity that occurs under your account

We reserve the right to suspend or disable accounts that we reasonably believe have been compromised or are being used in violation of these Terms.

5. Bank Account Connections & Plaid

The Service uses Plaid Inc. ("Plaid") to facilitate connections between your financial institution accounts and the Service. By connecting a bank account through the Service, you:

• Acknowledge and agree to Plaid's End User Privacy Policy
• Authorize Plaid to access your financial account information on your behalf, including account balances, and transaction history
• Understand that Plaid uses secure, token-based authentication and that your banking login credentials are never stored by or transmitted to OnTrack Money
• Accept that the availability and accuracy of data retrieved from your financial institution is dependent on the institution's systems and Plaid's connectivity

You may disconnect any linked bank account at any time through the Service. Disconnecting an account stops future syncing for that bank feed, and the Service may offer you the choice to keep or remove transactions previously imported from that connection.

6. Third-Party Services

The Service relies on providers that process information under their own terms and privacy commitments:

• Supabase — authentication, database hosting, file storage, and backend infrastructure
• Cloudflare R2 — storage of encrypted disaster-recovery backups
• Plaid — bank account connectivity and financial data aggregation
• Vercel — application hosting and delivery, including Analytics and Speed Insights usage and performance measurement
• Upstash — optional website rate limiting and abuse prevention using route-and-IP-derived keys
• Sentry — application error monitoring and diagnostics
• Resend — transactional email delivery, including support requests, product feedback, account-deletion feedback, and deletion cleanup notices
• OpenAI — category recommendations
• RevenueCat — mobile subscription entitlements and purchase lifecycle management
• Apple and Google — app distribution, in-app purchase processing, and subscription management

Provider availability, processing locations, and retention are governed in part by those providers. We do not promise a particular provider data region or exact provider retention period.

7. Data, Privacy, Analytics & AI

Information We Process: We process account and profile details, financial information you enter or import, preferences, Terms acceptance records, billing and entitlement details, support or feedback messages, and technical diagnostics needed to provide and protect the Service.

AI Features: For bank-sync users who enable AI category suggestions, OnTrack may send OpenAI merchant names, transaction amounts, candidate budget line-item and category names, and recent merchant and allocation patterns. This sharing begins after your separate permission, not Terms acceptance. You can enable or disable it in Settings > AI Features. Turning it off stops new requests; it does not erase information already shared. Manual tracking, rules, and merchant matching remain available. This information is not necessarily anonymous.

Optional AI Connections (MCP): With OnTrack Pro, you may connect a third-party AI assistant using OnTrack sign-in and consent. The connected app can receive budget, transaction, and note information from your selected personal account within the access you approve. Read-only access allows questions and searches; editing access also allows permitted changes to notes, transactions, and individual budget items. Your AI app manages its tool-approval prompts, and you are responsible for reviewing its actions and output. OnTrack records connection details and assistant changes for access management and activity history. MCP requests use stored OnTrack information and do not invoke OnTrack's AI providers or initiate additional bank-data requests. The third-party app's terms, privacy practices, and usage charges apply. You can revoke future access in Settings > AI Features; revocation does not delete information already received or retained by that app.

Analytics and Diagnostics: Vercel Analytics and Speed Insights may process usage and performance signals, and Sentry may process diagnostics and error context. These systems are configured to limit unnecessary personal information, but telemetry should not be assumed to be anonymous in every instance.

Security: We use reasonable administrative and technical safeguards designed to protect information, including encrypted network transport, access controls, row-level database authorization, and restricted server-side credentials. No service can guarantee absolute security.

No Sale of Data: We do not sell or rent your personal or financial information. See our Privacy Policy for more information.

8. User Responsibilities

As a user of the Service, you agree to:

• Use the Service only for lawful purposes and in compliance with all applicable laws and regulations
• Ensure that all information you provide is accurate and kept up to date
• Maintain the security of your email account, which serves as your authentication credential
• Not attempt to gain unauthorized access to any part of the Service, other users' accounts, or our systems
• Not use the Service to store or transmit malicious code, infringing content, or illegal material
• Not reverse engineer, decompile, or disassemble any part of the Service
• Use automated access only through AI Connections you authorize or with our written consent; do not bypass access restrictions or usage limits
• Verify the accuracy of imported financial data against your financial institution records

9. Personal Account Model

The current release provides a personal, single-user account model. Account-sharing and multi-user collaboration are not active product features. If we introduce them in a future release, we will describe the applicable access, consent, and responsibility terms before making them available.

10. Intellectual Property

OnTrack Money is an original product of OnTrack Group, LLC. The OnTrack-created software, code, features, functionality, designs, branding, graphics, logos, and marketing materials are the exclusive property ofOnTrack Group, LLC and are protected by United States and international copyright, trademark, trade secret, and other intellectual property or proprietary rights laws. All rights in that original work are reserved. Third-party components, open-source software, licensed materials, and third-party trademarks remain the property of their respective owners and are used under applicable licenses or permissions. Their inclusion does not transfer ownership of OnTrack's original work or grant rights in that work beyond the limited license below.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial purposes in accordance with these Terms. You retain any rights you hold in content you submit to the Service. OnTrack does not claim ownership of that content.

11. Service Availability & Modifications

We strive to maintain the availability of the Service but do not guarantee uninterrupted or error-free access. The Service may be temporarily unavailable due to scheduled maintenance, system updates, infrastructure outages, or circumstances beyond our control.

We reserve the right to modify, suspend, or discontinue any part of the Service at any time, with or without notice. We will make reasonable efforts to provide advance notice of material changes that affect your use of the Service.

12. Disclaimers

No Financial Advice: The Service is a budgeting and tracking tool only. Nothing in the Service constitutes financial, investment, tax, legal, or accounting advice. You should consult qualified professionals before making financial decisions. OnTrack Group, LLC is not a registered investment advisor, broker-dealer, financial planner, or financial institution.

As-Is Basis: THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

Data Accuracy: We do not warrant the accuracy, completeness, or reliability of any data imported from third-party sources, including data retrieved through Plaid. You are responsible for verifying financial information against your official financial institution records.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ONTRACK GROUP, LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND AFFILIATES SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF BUSINESS OPPORTUNITIES, OR FINANCIAL LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICE, REGARDLESS OF THE THEORY OF LIABILITY.

TO THE EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US FOR THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100.00).

14. Indemnification

You agree to indemnify, defend, and hold harmless OnTrack Group, LLC and its officers, directors, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) your violation of any rights of a third party.

15. Data Retention & Account Deletion

You may initiate account deletion through the Settings page. The deletion workflow removes your user access and active app-controlled profile, budget, transaction, connection, preference, and entitlement records. We require a short product-improvement reason as part of this simple confirmation flow. That feedback is sent only after account erasure and without your OnTrack user ID or email address; do not include account numbers, transaction details, or other sensitive information in the free-text response.

We send a separate operational notice to our support inbox after account erasure, containing an internal deletion reference, deletion time, and cleanup status for manual verification. It does not include profile contact details, budgets, transactions, or bank credentials. This operational correspondence may be retained for deletion verification and business recordkeeping, subject to applicable law. Legacy file-cleanup failures are handled through manual support follow-up rather than automatic retry.

Some deletion propagation through active systems may take up to thirty (30) days. Encrypted disaster-recovery backup copies cannot be selectively edited and are scheduled to expire under a tiered lifecycle of up to four hundred (400) days. Physical removal is performed by the storage provider and may occur after the scheduled expiry. We may retain minimized billing-event facts for a seven (7) year retention period measured from receipt of the event, where reasonably needed for tax, accounting, disputes, fraud prevention, provider reconciliation, or legal claims. Expired records are eligible for automated cleanup on the first day of each month at 04:30 UTC and are normally removed on the next scheduled run after their deadline. Large backlogs, failed runs, or retries may delay removal. On deletion, we remove the raw billing payload and direct OnTrack and RevenueCat user identifiers from those retained event records. Support messages, product feedback, and account-deletion feedback may be retained after account deletion for support records, product research and improvement, and business recordkeeping. We do not apply a fixed deletion schedule to that correspondence, subject to applicable law. Other security and legally required business records are retained for their applicable purpose and period; independently operated providers apply their own retention practices.

Account deletion automatically requests provider-side Plaid disconnection for your linked institutions and waits for confirmation before erasing your active account. A bank-provider outage or unresolved connection may require a retry or support assistance; the app tells you when deletion has not completed. You do not need to disconnect each institution separately before deleting your account. Deleting your OnTrack account or uninstalling the app does not cancel a subscription purchased through Apple or Google; manage or cancel it through the store account where you purchased it.

16. Termination

We reserve the right to suspend or terminate your access to the Service at any time, with or without notice, for any reason, including but not limited to: violation of these Terms, fraudulent or illegal activity, extended inactivity, or conduct that we determine to be harmful to other users or the integrity of the Service.

You may terminate your account at any time by using the account deletion feature in the Settings page. Upon termination by either party, the provisions of these Terms that by their nature should survive (including Sections 10, 12, 13, 14, and 17) will continue to apply.

17. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Georgia, United States, without regard to its conflict-of-law provisions.

Any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall first be addressed through good-faith informal negotiation. If the dispute cannot be resolved within thirty (30) days of written notice, it shall be resolved through binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules. Arbitration shall take place in the State of Georgia or remotely at your election.

YOU AND ONTRACK GROUP, LLC AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims and may not preside over any form of class or representative proceeding.

18. Changes to These Terms

We may update these Terms from time to time. When we make material changes, we will update the effective date displayed with these Terms and, where feasible, provide notice through the Service. If a revision materially affects your rights or obligations, you will be asked to review and accept the updated Terms before continuing to use the Service. Your continued use after the effective date of any changes constitutes acceptance of the revised Terms.

19. Severability & Waiver

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable while preserving its original intent. Our failure to enforce any provision of these Terms shall not constitute a waiver of that or any other provision.

20. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and OnTrack Group, LLC regarding the Service and supersede all prior agreements, representations, and understandings, whether written or oral.

21. Contact Information

For questions, concerns, or requests related to these Terms, your account, or your data, please contact us:

• Email: support@ontrackmoney.com
• In-App: Support feature accessible through the Settings page
• Website: www.ontrackmoney.com