Legal

End User License Agreement

Last Updated: March 1, 2026  ·  Effective: March 1, 2026

This End User License Agreement ("EULA") is a legal agreement between you and UrbanPX, LLC governing your use of the Almighty mobile applications. By downloading, installing, or using the Apps, you agree to this EULA.

1. License Grant

Subject to your compliance with this EULA and payment of any applicable fees, UrbanPX, LLC grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to:

  • Download and install a copy of the App on a mobile device that you own or control.
  • Use the App for your personal, non-commercial purposes.
  • Access the Services connected to the App as provided by UrbanPX, LLC.

This license does not include any right to resell, sublicense, or commercialize the App or its content.

2. Intellectual Property

The App and all associated intellectual property rights — including but not limited to software, source code, object code, user interface designs, graphics, logos, trademarks, and documentation — are the exclusive property of UrbanPX, LLC or its licensors.

Nothing in this EULA transfers ownership of any intellectual property to you. Your feedback and suggestions may be incorporated into the Apps without compensation to you.

You agree not to:

  • Copy, modify, or create derivative works of the App.
  • Reverse engineer, decompile, or disassemble the App, except as permitted by applicable law.
  • Remove or alter any proprietary notices, labels, or marks in the App.
  • Use the App's trademarks or branding without express written permission.

3. User Data and Privacy

Your use of the Apps involves the collection and processing of personal and financial data. Our handling of your data is governed by our Privacy Policy, which is incorporated into this EULA by reference.

You retain ownership of all financial data you enter into the Apps. You grant UrbanPX, LLC a limited license to process that data solely for the purpose of providing the Services.

You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account.

4. Subscriptions and In-App Purchases

4a. Available Plans

Plan Price Billing Features
Free $0 N/A Core budgeting, manual entry, limited bank accounts
Pro Monthly $4.99/mo Monthly auto-renew All features, unlimited accounts, priority support
Pro Annual $39.99/yr Annual auto-renew All Pro features, ~33% savings

4b. Billing and Renewal

Subscriptions are billed through the Apple App Store or Google Play Store. Subscriptions auto-renew unless cancelled at least 24 hours before the end of the current billing period. You manage subscriptions through your platform account settings.

4c. Refunds

All purchases are final and non-refundable except as required by law or as provided by Apple's or Google's refund policies. Contact Apple Support or Google Play Support for refund requests.

5. Financial Disclaimer

Not Financial Advice: The Apps are personal finance management tools only. Nothing in the Apps or connected Services constitutes financial, investment, tax, accounting, or legal advice. You should consult a qualified professional before making financial decisions. UrbanPX, LLC is not a bank, broker-dealer, or registered investment adviser.

Financial data displayed in the Apps is provided for informational purposes only and may not reflect real-time or fully accurate data. UrbanPX, LLC is not responsible for financial decisions you make based on information in the Apps.

6. Third-Party Services and Integrations

The Apps integrate with third-party services. Your use of these integrations is subject to their respective terms:

We are not responsible for the availability, accuracy, or conduct of third-party services.

7. Disclaimer of Warranties

THE APPS AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

URBANPX, LLC DOES NOT WARRANT THAT:

  • The Apps will be uninterrupted, error-free, or completely secure.
  • Financial data will be accurate, complete, or current.
  • The Apps will meet your specific requirements.
  • Defects will be corrected.

Some jurisdictions do not allow exclusion of implied warranties. In such cases, the above exclusions apply only to the fullest extent permitted by applicable law.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, URBANPX, LLC AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR:

  • Indirect, incidental, special, consequential, exemplary, or punitive damages.
  • Loss of profits, revenue, data, or goodwill.
  • Financial losses resulting from reliance on data in the Apps.
  • Unauthorized access to your data.
  • Service interruptions or data loss.

OUR MAXIMUM TOTAL LIABILITY SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID FOR THE APP IN THE PRECEDING 12 MONTHS OR (B) $100 USD.

9. Indemnification

You agree to indemnify, defend, and hold harmless UrbanPX, LLC and its affiliates, officers, directors, employees, and agents from any claims, losses, liabilities, damages, costs, or expenses (including reasonable attorneys' fees) arising from:

  • Your use of the Apps.
  • Your violation of this EULA or any applicable law.
  • Your violation of any third-party rights.
  • Any User Content you submit.

10. Account Deletion and Data Removal

You may delete your account and request erasure of your personal data at any time via Settings → Account → Delete Account or by emailing support@urbanpx.com.

Upon account deletion:

  • Your account data will be deleted within 30 days.
  • Plaid connections will be revoked.
  • Some data may be retained for legal compliance as described in our Privacy Policy.
  • Active subscriptions must be cancelled independently through Apple/Google.

Deletion is permanent and cannot be undone.

11. Termination

This EULA is effective until terminated. Your rights under this EULA will terminate automatically without notice if you fail to comply with any of its terms. UrbanPX, LLC may also terminate this EULA and suspend your access at any time with reasonable notice.

Upon termination:

  • Your license to use the Apps ceases immediately.
  • You must uninstall all copies of the Apps.
  • Provisions that by nature should survive (Sections 2, 5, 7, 8, 9, 12, 14, 15, 18) shall survive.

12. Updates and Changes to the Apps

UrbanPX, LLC may release updates, patches, or new versions of the Apps. These updates may be required for continued use and may change features, functionality, or this EULA. Continued use after an update constitutes acceptance of any revised terms.

We reserve the right to discontinue the Apps or any feature at any time with reasonable notice where practicable.

13. Export Compliance

You agree to comply with all applicable export control laws and regulations. You represent that you are not located in a country subject to a U.S. Government embargo and are not on any U.S. Government denied-parties list. You agree not to export or re-export the Apps in violation of U.S. export laws.

14. Governing Law

This EULA shall be governed by the laws of the State of Delaware, without regard to conflict of law provisions. Any disputes not subject to arbitration (per our Terms of Service) shall be resolved in the state or federal courts of Delaware.

15. Apple App Store Additional Terms

If you download the App from the Apple App Store, the following additional terms apply:

  • This EULA is between you and UrbanPX, LLC only, not with Apple Inc. Apple is not responsible for the App or its content.
  • The license granted is limited to use on Apple-branded products you own or control as permitted by the App Store Terms of Service.
  • Apple has no obligation to provide maintenance or support for the App.
  • In the event of the App's failure to conform to any applicable warranty, you may notify Apple for a refund of the purchase price; to the maximum extent permitted by law, Apple has no other warranty obligation.
  • Apple is not responsible for addressing your or any third party's claims relating to the App.
  • Apple and Apple's subsidiaries are third-party beneficiaries of this EULA and may enforce it against you.

16. Google Play Additional Terms

If you download the App from Google Play, the following additional terms apply:

  • This EULA is between you and UrbanPX, LLC only, not with Google LLC.
  • Google is not responsible for the App or its content.
  • Google has no obligation to provide maintenance, support, or warranty for the App.
  • Any claims related to the App are the sole responsibility of UrbanPX, LLC.

17. Severability

If any provision of this EULA is held to be invalid or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall continue in full force and effect.

18. Entire Agreement

This EULA, together with our Terms of Service, Privacy Policy, and Cookie Policy, constitutes the entire agreement between you and UrbanPX, LLC with respect to the Apps and supersedes any prior agreements.

19. Contact Us

For questions about this EULA: