Terms of Service

Last updated: October 24, 2026

1. What MoneyMagic is

MoneyMagic is a household financial planning application. It shows where your money went, helps you cut bills that can actually be cut, drafts estate planning documents for attorney review, and runs retirement and what-if projections. MoneyMagic does not file, negotiate, trade, or move money on your behalf. MoneyMagic prepares information and documents; you (or a licensed representative) take all actions.

2. Not financial, legal, tax, or investment advice

Everything in MoneyMagic is educational and informational. The retirement projections, Monte Carlo simulations, and what-if scenarios are arithmetic illustrations, not advice. The estate planning document drafts are templates with placeholders — they are not valid until reviewed, customized, and properly executed under your state's law by a licensed attorney. The insurance and 529 comparisons are informational, not recommendations. The assistant is a server-side language model with honesty-pinned system prompts; it is not a fiduciary and cannot take actions.

3. Your account

You must be 18 or older. You are responsible for keeping your password and MFA secrets secure. We are not liable for unauthorized access if you fail to enable MFA or share your credentials. You can delete your account at any time; deletion is permanent and irreversible.

4. Subscriptions and billing

Paid tiers (Pro, Family, Wealth) are billed monthly or annually via Stripe. You can cancel at any time from Settings → Subscription; cancellation takes effect at the end of the current billing period. Refunds are issued at our discretion for unused annual subscriptions within 14 days of renewal. Apple App Store and Google Play subscriptions are billed by Apple/Google and subject to their refund policies.

5. Acceptable use

You agree not to: use MoneyMagic for illegal purposes, attempt to access other users' data, reverse-engineer or scrape the service, abuse the assistant with automated queries, or upload malware. Violations result in account termination without refund.

6. Service availability

MoneyMagic is provided "as is" without warranty of any kind. We do not guarantee uninterrupted service. We are not liable for financial losses resulting from your use of or inability to use the service, including but not limited to investment decisions based on projections, tax filing decisions based on document drafts, or insurance purchasing decisions.

7. Limitation of liability

To the maximum extent permitted by law, MoneyMagic's total liability for any claim is limited to the amount you paid us in the past 12 months. We are not liable for indirect, incidental, special, consequential, or punitive damages.

8. Governing law

These terms are governed by the laws of the State of Delaware, USA, without regard to conflict-of-laws principles. Disputes are resolved by binding arbitration in Delaware; you waive class-action rights.

9. Changes to these terms

We may update these terms with 30 days' notice. Continued use after the effective date constitutes acceptance.

10. Contact

Email legal@moneymagic.app with questions about these terms.