Terms of Service

1Acceptance of These Terms

These Terms of Service ("Terms") are a binding agreement between you and JFM Capital Group LLC ("trackify", "we", "us"). By creating an account or using trackify, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use trackify.

2Eligibility

You must be at least 18 years old and able to form a binding contract to use trackify. By using the service, you represent that the information you provide is accurate and that you're using trackify for your own personal, non-commercial purposes.

3Description of the Service

trackify aggregates information from financial accounts you choose to connect and helps you track balances, spending, recurring charges, budgets, and net worth. trackify is not a bank, is not a broker-dealer, and is not a registered investment adviser. Nothing in the app is investment, tax, or legal advice, and trackify does not recommend, buy, sell, or hold any security or asset on your behalf.

Data shown in the app comes from third parties (your financial institutions, via Plaid) and is provided for informational purposes. We do our best to keep it accurate and current, but we cannot guarantee that a balance or transaction you see in trackify exactly matches your institution's own records at every moment — always confirm anything financially significant with your institution directly.

4Your Account & Security

You are responsible for keeping your device and sign-in method secure and for all activity that occurs under your account. Tell us immediately at support@jfmcapital.com if you suspect unauthorized access. We may suspend or terminate an account we reasonably believe has been compromised, to protect you.

5Shared Access ("Circles")

If you create or join a shared "Circle" or split a purchase with someone, you are choosing to make specific balances, transactions, or split details visible to the other members of that Circle. You are responsible for whom you invite. Removing yourself from a Circle stops further sharing but does not retroactively un-share what members already saw while you were in it.

6Third-Party Services & Financial Institutions

Linking an account requires you to authorize a connection through our data provider, Plaid Inc., and, for card artwork, through Spinwheel. Your relationship with your bank, brokerage, or card issuer is governed by that institution's own terms, which continue to apply. We are not responsible for outages, errors, or changes on the part of Plaid, Spinwheel, your institution, or any other third-party service trackify relies on, though we will work to restore a broken connection as quickly as we reasonably can.

7Fees

trackify is currently offered free of charge. If we introduce paid features in the future, we will clearly disclose the price before you are charged anything, and no fee will be charged without your affirmative consent.

8Acceptable Use

You agree not to:

• Use trackify for any unlawful purpose or in violation of any third party's rights;
• Attempt to access another person's account or data without authorization;
• Reverse-engineer, decompile, or scrape the app or its APIs;
• Interfere with or disrupt the integrity or performance of the service; or
• Impersonate any person or misrepresent your affiliation with anyone.

We may suspend or terminate access for any violation of this section.

9Intellectual Property

trackify's name, logo, and the app's design and software are owned by JFM Capital Group LLC or its licensors. We grant you a limited, revocable, non-exclusive, non-transferable license to use the app for its intended personal purpose. You may not copy, modify, or create derivative works from any part of the service except as this license permits.

10Your Content

You retain ownership of any content you create in the app — labels, notes, budget names, and similar. You grant us a license to host, store, and display that content solely to operate the service for you and anyone you've explicitly shared it with.

11Disclaimers

Trackify is provided "as is" and "as available," without warranties of any kind, whether express, implied, or statutory, including any implied warranty of merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the service will be uninterrupted, error-free, or that any data shown will be complete or accurate at every moment. Nothing in trackify is a substitute for professional financial, tax, or legal advice.

12Limitation of Liability

To the maximum extent permitted by law, JFM Capital Group LLC will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, or goodwill, arising from your use of trackify. Our total liability for any claim relating to the service is limited to the greater of (a) $100, or (b) the amount you paid us for the service in the 12 months before the claim arose.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above may not apply to you.

13Indemnification

You agree to indemnify and hold JFM Capital Group LLC harmless from any claim or demand, including reasonable attorneys' fees, arising from your misuse of the service or your violation of these Terms.

14Term & Termination

These Terms apply for as long as you use trackify. You may stop using the service and delete your account at any time (see Data Deletion). We may suspend or terminate your access if you violate these Terms, if we reasonably suspect fraud or abuse, or if we discontinue the service, with notice where practicable.

15Dispute Resolution: Binding Arbitration & Class Action Waiver

You and JFM Capital Group LLC agree that any dispute arising out of or relating to these Terms or trackify will be resolved by binding, individual arbitration under the Consumer Arbitration Rules of the American Arbitration Association, rather than in court, except that either party may bring an individual claim in small-claims court, and either party may seek injunctive relief in court for infringement or misuse of intellectual property or confidential information.

Class action waiver. All claims must be brought in an individual capacity, not as a plaintiff or class member in any purported class, collective, or representative proceeding, and the arbitrator may not consolidate more than one person's claims.

Opting out. You may opt out of this arbitration agreement by sending written notice to support@jfmcapital.com within 30 days of the date you first agree to these Terms, stating that you decline to be bound by this arbitration provision. Opting out does not affect any other part of these Terms.

This arbitration agreement is governed by the Federal Arbitration Act.

16Governing Law & Venue

These Terms are governed by the laws of the State of New York, without regard to its conflict-of-law principles. For any dispute not subject to arbitration under Section 15, you and JFM Capital Group LLC agree to the exclusive jurisdiction of the state and federal courts located in New York.

17Electronic Communications & Signatures

You consent to receive agreements, notices, disclosures, and other communications from us electronically, including by email and in-app notice, and agree that this satisfies any legal requirement that such communications be in writing.

18Changes to the Service or These Terms

We may modify trackify or these Terms at any time. If we make a material change to the Terms, we will notify you in the app or by email before it takes effect. Continuing to use trackify after a change takes effect means you accept the updated Terms.

19General Provisions

These Terms, together with our Privacy Policy, are the entire agreement between you and JFM Capital Group LLC regarding trackify. If any provision is held unenforceable, the remaining provisions remain in full force. Our failure to enforce any right or provision is not a waiver of it. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. Neither party is liable for delay caused by events beyond its reasonable control.

20Contact Us

Questions about these Terms? Write to us at support@jfmcapital.com.