Terms of Service

1. Acceptance and Eligibility

Welcome to LootSaver, operated by LootSaver LLC ("LootSaver," "Company," "we," "us," or "our"), a Louisiana limited liability company.

These Terms of Service ("Terms") govern your access to and use of the LootSaver mobile application, website, and related services (collectively, the "Service"). By creating an account, clicking to accept these Terms, or accessing or using the Service, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Service.

You represent that you:

• are at least 18 years old
• have the legal capacity to enter into this agreement
• will use the Service only in compliance with applicable law

The Service is not directed to children or anyone under 18.

2. Description of the Service

LootSaver is a personal financial information, organization, and planning service. Depending on your plan and available features, the Service may:

• connect to supported financial accounts through authorized providers
• accept financial information that you enter or import
• organize transactions, assets, income, bills, obligations, goals, and household information
• generate projections, scenarios, timelines, plan guidance, alerts, and explanatory insights
• help you review possible matches, classifications, and financial events

The Service does not:

• hold, custody, or transmit your money
• initiate or execute payments, transfers, trades, or withdrawals
• pay bills or satisfy financial obligations on your behalf
• provide banking, brokerage, custodial, accounting, tax, or legal services
• act as your fiduciary or professional advisor

Recording a payment or marking an item complete in LootSaver records information in the Service. It does not cause money to move or confirm that a financial institution processed a payment.

3. Accounts and Household Use

You must provide accurate account information and keep it current. You are responsible for activity under your account and for safeguarding your credentials, devices, recovery methods, and authentication factors.

LootSaver is organized around households. A household may contain multiple members and shared financial records. By creating, joining, or inviting someone to a household, you understand that authorized household members may be able to view and interact with shared household information, including linked accounts, transactions, bills, goals, plans, scenarios, and activity.

You agree that:

• you will invite only people authorized to participate in the household
• you will not connect or submit an account or financial record unless you are authorized to do so
• household roles may provide different permissions
• actions taken by another authorized household member may affect shared records and planning outputs
• removing or leaving a household may not remove information that forms part of the household's shared record

Do not join or invite someone to a household unless you intend to share household information with that person. Additional details are provided in our Privacy Policy.

4. Connected Accounts and Submitted Information

When you connect a financial account, you authorize LootSaver and its account-linking provider to access and process supported account information on your behalf. You represent that you are authorized to connect and access each account you submit.

Financial institutions and data providers may supply delayed, incomplete, duplicated, unavailable, or inaccurate information. Connections may require repair or reauthorization. You remain responsible for reviewing information against official records.

You retain your rights in information you submit to the Service. You grant LootSaver a limited license to host, process, reproduce, organize, and display that information solely as reasonably necessary to operate, secure, support, and improve the Service, subject to our Privacy Policy.

5. Informational Service; No Professional Advice

The Service is provided for informational and educational purposes. LootSaver is not a bank, broker, investment adviser, tax adviser, accountant, attorney, or fiduciary, and does not provide personalized financial, investment, tax, accounting, or legal advice.

Nothing in the Service is a guarantee or professional recommendation to take or refrain from a specific financial action. Projections, scenarios, classifications, detected obligations, expected dates, suggested amounts, and other outputs are estimates based on available data and assumptions. They may be incomplete, delayed, inaccurate, or wrong, and they are not guarantees of future results.

You are solely responsible for:

• independently evaluating and verifying information
• making financial and legal decisions
• paying bills, debts, taxes, and other obligations on time
• maintaining sufficient funds and avoiding overdrafts, penalties, or missed payments
• consulting qualified professionals when appropriate

Do not rely exclusively on LootSaver to identify or manage every transaction, subscription, bill, due date, tax item, or other obligation.

6. Automated Systems and AI Explanations

LootSaver uses deterministic software rules and models to organize financial information and produce calculations, classifications, projections, plan states, and other governed outputs.

Some features may use artificial intelligence to generate explanatory or conversational text about those backend-produced outputs. AI-generated text may be incomplete, inaccurate, or misleading. AI does not independently establish financial truth, change balances, rank or execute financial actions, move money, verify provider purchases, grant plan access, or autonomously alter your financial records.

You must review AI-generated explanations together with the underlying data and official records before relying on them.

7. Plans, Purchases, and Auto-Renewing Subscriptions

LootSaver may offer free and paid plans. The available features, duration, localized price, currency, and billing interval for a purchase are shown in the applicable purchase flow before you confirm it. The payment provider may include taxes in the displayed price or add taxes as permitted by law.

Paid subscriptions purchased through the Apple App Store or Google Play are billed and managed by the applicable store account. LootSaver may also offer direct web checkout processed by Stripe. The applicable payment provider, price, billing interval, renewal terms, and any taxes are identified before you confirm a purchase.

Unless the purchase flow states otherwise, paid subscriptions automatically renew at the end of each billing period until canceled. Your payment provider may charge your selected payment method up to the price shown at checkout, plus applicable taxes, for each renewal period.

If a free trial or introductory offer is made available to you, its duration and the price that applies afterward will be disclosed in the applicable purchase flow. Unless you cancel before the trial or offer ends, the subscription will convert to a paid auto-renewing subscription under the terms shown at checkout.

We may change plan features or prices. Material subscription-price changes will be handled through the applicable payment provider and notice process as required by that provider and applicable law. If you do not agree to a prospective price change, you may cancel before it takes effect.

8. Household Subscription Access and Payer Responsibility

An eligible paid subscription may provide access to features for a LootSaver household, even though the subscription is purchased and controlled through one member's Apple, Google Play, or other payment-provider account.

The person whose store or payment account made the purchase (the "payer") remains responsible for managing and canceling that subscription. A household owner or another household member may receive plan benefits but cannot necessarily manage, transfer, restore, or cancel the payer's subscription.

You agree that:

• a subscription does not transfer ownership of household data
• changing household roles does not transfer control of a store subscription
• a different household member should not attempt to restore or claim the payer's purchase
• LootSaver may block a purchase or plan change when an existing household subscription must be managed by its payer
• LootSaver may warn about overlapping subscriptions but cannot automatically cancel a subscription held through another provider

If you maintain subscriptions through more than one provider, you may be charged by each provider. You are responsible for reviewing and canceling unwanted overlapping subscriptions in the applicable store or payment account.

Before a payer leaves a household or deletes an account, the payer should disable renewal and remain in the household through any applicable paid-through period when practical. Leaving a household, removing a member, uninstalling LootSaver, or deleting a LootSaver account does not automatically cancel a store-managed subscription. Billing may continue until the payer cancels through the applicable provider.

9. Cancellation, Paid-Through Access, Restores, and Refunds

You can manage or cancel an Apple subscription through your Apple account and a Google Play subscription through your Google Play account. LootSaver cannot cancel a store-managed subscription on your behalf. A subscription purchased through LootSaver's direct web checkout can be managed through the web billing-management flow made available for that purchase or by contacting support@lootsaver.com.

Cancellation normally stops future renewals. Access may continue through the end of the paid billing period unless the provider reports a refund, revocation, immediate termination, failed payment, or another event that ends eligibility earlier. Removing the app does not cancel a subscription.

Purchase restoration requires the same applicable store account and must pass LootSaver's account-binding and provider-verification checks. A purchase associated with another LootSaver user or household may be rejected to protect account access. Finishing or clearing a rejected store transaction in the app does not cancel the underlying store subscription.

Refund requests and refund eligibility for Apple or Google Play purchases are governed by the applicable store's policies and applicable law. If a provider refunds, revokes, disputes, or reverses a purchase, corresponding LootSaver plan access may end immediately or when provider-reported eligibility ends.

Except where required by law or expressly stated at checkout, fees paid through LootSaver's direct web checkout are non-refundable once the billing period begins. Canceling stops future renewals but does not ordinarily create a refund for the current paid period, and access may continue through that period. Contact support@lootsaver.com promptly if you believe a direct charge is duplicate, unauthorized, or incorrect. LootSaver will review the request and may issue a full or partial refund when required by law or when LootSaver determines that a billing error occurred. An approved refund, reversal, or dispute may end the corresponding plan access.

10. Account and Household Deletion

You may request account deletion through the Service or the deletion process described in our Privacy Policy. Deleting your LootSaver account or household removes or schedules removal of covered LootSaver data subject to legal, security, backup, audit, and shared-household exceptions described in the Privacy Policy.

Account or household deletion does not cancel an Apple, Google Play, or other provider-managed subscription. You must separately cancel through the provider that bills you. If only one member leaves or deletes an account, shared household records may remain available to remaining household members as described in the Privacy Policy.

11. Third-Party Services and Store Terms

The Service relies on third parties, which may include financial institutions, Plaid, Amazon Web Services, Amazon Cognito, Amazon Bedrock, Apple, Google Play, and Firebase. We do not control third-party availability, data quality, security, policies, or performance. Your use of third-party services is also subject to their applicable terms and policies.

If you download the iOS application from Apple, your license to use the application is also subject to Apple's Standard Licensed Application End User License Agreement unless a valid custom license agreement is presented by Apple. Apple is not responsible for operating or supporting the Service.

Apple's Standard Licensed Application End User License Agreement is available at:

https://www.apple.com/legal/internet-services/itunes/dev/stdeula/

If you download the Android application from Google Play, your use of Google Play and purchases made through it are subject to Google Play's applicable terms and policies.

Third-party service failures, outages, policy changes, or data restrictions may affect Service availability or functionality.

12. Privacy

Our Privacy Policy explains how LootSaver collects, uses, shares, protects, retains, and deletes information. The Privacy Policy is incorporated into these Terms by reference and is available at:

https://lootsaver.com/privacy

13. Acceptable Use

You agree not to:

• use the Service for unlawful, fraudulent, deceptive, abusive, or unauthorized purposes
• access or submit financial information without authorization
• impersonate another person or misrepresent household authority
• interfere with Service integrity, availability, security, or access controls
• probe, scan, test, or exploit vulnerabilities without written authorization
• reverse engineer, decompile, or attempt to extract source code except where applicable law expressly permits it
• scrape, copy, resell, sublicense, or commercially exploit the Service
• upload malicious code or use automated means that impose an unreasonable load
• circumvent plan, entitlement, provider-verification, or usage controls

14. Intellectual Property and Service License

LootSaver and its licensors own the Service, software, visual design, trademarks, documentation, and other materials provided by LootSaver, excluding information you submit.

Subject to these Terms, LootSaver grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to use the Service for your personal, non-commercial use. No rights are granted except those expressly stated.

If you provide feedback, you grant LootSaver a worldwide, perpetual, irrevocable, royalty-free right to use that feedback without restriction or compensation, provided we do not publicly identify you as its source without permission.

15. Service Availability and Changes

We may add, modify, suspend, or discontinue features or plan availability. We may establish reasonable usage, storage, technical, or eligibility limits. We will provide notice when required by law or applicable provider rules.

The Service may be unavailable because of maintenance, provider outages, network failures, security events, legal requirements, or circumstances outside our control. We do not guarantee uninterrupted availability.

16. Suspension and Termination

We may restrict, suspend, or terminate access when reasonably necessary for:

• a violation of these Terms
• suspected fraud, abuse, unauthorized access, or security risk
• legal or provider requirements
• nonpayment or loss of subscription eligibility
• protection of users, LootSaver, or third parties
• discontinuation of the Service

You may stop using the Service at any time and may request account deletion. Termination of LootSaver access does not automatically cancel an external subscription. You remain responsible for canceling through the applicable provider.

Sections that by their nature should survive termination will survive, including Sections 4 through 6, 8 through 12, 14, and 17 through 25.

17. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT:

• THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE
• DATA, CLASSIFICATIONS, PROJECTIONS, OR OUTPUTS WILL BE ACCURATE, COMPLETE, CURRENT, OR RELIABLE
• EVERY BILL, OBLIGATION, TRANSACTION, OR PROVIDER EVENT WILL BE DETECTED
• DEFECTS WILL BE CORRECTED

Some jurisdictions do not allow certain warranty exclusions, so some exclusions may not apply to you.

18. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LootSaver LLC and its owners, officers, employees, agents, affiliates, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost opportunities, lost data, financial losses, missed or late payments, fees, penalties, interest, overdrafts, credit effects, or losses arising from:

• your use of or reliance on the Service
• incomplete, inaccurate, delayed, duplicated, or unavailable data
• projections, classifications, explanations, alerts, or automated outputs
• provider, financial-institution, network, or store failures
• unauthorized account or household activity
• Service interruption, suspension, or termination

This limitation applies regardless of legal theory, including contract, tort, negligence, strict liability, or otherwise, and even if advised that damages were possible. Applicable law may not permit all limitations.

19. Cap on Liability

To the maximum extent permitted by law, LootSaver's total aggregate liability arising out of or relating to the Service or these Terms will not exceed the greater of:

• the amount you paid LootSaver for the Service during the 12 months before the event giving rise to the claim
• $100

Your sole remedy for dissatisfaction with the Service is to stop using it, except where applicable law provides another remedy.

20. Indemnification

To the extent permitted by law, you agree to indemnify, defend, and hold harmless LootSaver LLC from claims, damages, losses, liabilities, and expenses, including reasonable attorneys' fees, arising from:

• your unlawful or unauthorized use of the Service
• financial information or accounts you connect or submit without authorization
• your violation of these Terms
• your infringement or violation of another person's rights

21. Changes to These Terms

We may update these Terms periodically. The updated Terms will state a new effective date. For material changes, we may provide notice through the Service, by email, or through another reasonable method.

When required, the Service may ask you to affirmatively accept updated Terms before continuing to use protected features. Continued use after updated Terms take effect may constitute acceptance where permitted by law.

22. Governing Law

These Terms are governed by the laws of the State of Louisiana and applicable U.S. federal law, without regard to conflict-of-laws principles.

23. Dispute Resolution

Any dispute arising out of or relating to these Terms or the Service shall be resolved through binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules.

You and LootSaver agree to:

• waive any right to a jury trial
• waive participation in class actions, class arbitrations, or representative proceedings

24. Force Majeure

LootSaver will not be liable for a failure or delay resulting from causes beyond its reasonable control, including internet or cloud-service failures, financial-institution or provider outages, natural disasters, labor disputes, acts of government, war, terrorism, epidemics, or failures of utilities or communications networks.

25. Contact Information

LootSaver LLC
204 Hilton Head Dr
Benton, LA 71006
support@lootsaver.com

Website: https://lootsaver.com