Legal

End User License Agreement

Last Updated: 2026-03-17  ·  Version: 1.0

This End User License Agreement ("Agreement" or "EULA") is a legal agreement between you ("you" or "User") and UrbanPX, LLC ("we," "us," "our," or "Almighty") governing your use of the Almighty Budget and Almighty Split mobile applications and their web counterparts (collectively, the "Applications").

By downloading, installing, accessing, or using any of the Applications, you agree to be bound by this Agreement. If you do not agree to these terms, do not download, install, or use the Applications.

1. License Grant

We grant you a limited, non-exclusive, non-transferable, revocable license to download, install, and use the Applications on devices that you own or control, solely for your personal, non-commercial use, subject to the terms of this Agreement.

This license does not allow you to:

  • Distribute, sublicense, lease, rent, lend, or otherwise transfer the Applications or any rights therein to any third party.
  • Copy, decompile, reverse-engineer, disassemble, or attempt to derive the source code of the Applications, except where such restriction is expressly prohibited by applicable law.
  • Modify, adapt, translate, or create derivative works based on the Applications.
  • Remove, alter, or obscure any copyright, trademark, or other proprietary notices in the Applications.
  • Use the Applications for any unlawful or unauthorized purpose.

2. Ownership and Intellectual Property

The Applications, including all code, design, content, graphics, trademarks, and documentation, are and remain the exclusive property of UrbanPX, LLC. This Agreement grants you no ownership rights. All rights not expressly granted herein are reserved by UrbanPX, LLC.

"Almighty," "Almighty Budget," and "Almighty Split" are trademarks of UrbanPX, LLC.

3. User Data

You retain ownership of all data you create, enter, or import into the Applications ("User Data"). We claim no ownership over your User Data. Our collection, use, and protection of your information is governed by our Privacy Policy.

4. Subscription Plans and In-App Purchases

4.1 Available Plans

Tier Price What's Included
Free $0 Basic budgeting (1 budget, manual transactions, categories). Basic splitting (groups, equal splits, settle up). Growth Garden. Ad-supported.
Pro $9.99/month or $79.99/year Unlimited budgets. Advanced splits (itemized, percentage, recurring). Receipt scanning. Export & reports. Recurring bill tracking. Wealth dashboard (manual accounts). Advanced insights. Ad-free.
Almighty $14.99/month or $99.99/year Everything in Pro. Plaid bank linking (up to 6 accounts). Auto-import transactions. Investment & liability tracking. Cross-app sync (Split ↔ Budget). Priority support.

4.2 Payment Processing

  • iOS: Subscriptions purchased through the Apple App Store are processed by Apple and governed by Apple's terms. Manage or cancel via Settings → Apple ID → Subscriptions.
  • Android: Subscriptions purchased through the Google Play Store are processed by Google and governed by Google's terms. Manage or cancel via Google Play → Subscriptions.
  • Web: Subscriptions purchased on the web are processed by Stripe and governed by Stripe's terms. Manage or cancel through your account settings.

4.3 Auto-Renewal

All paid subscriptions automatically renew at the end of each billing period (monthly or annually) unless you cancel at least 24 hours before the end of the current period. Your payment method will be charged for the renewal within 24 hours prior to the end of the current period at the rate of the selected plan.

4.4 Free Trials

We may offer free trial periods at our discretion. If you do not cancel before the trial period ends, your subscription will automatically convert to a paid subscription at the listed price.

4.5 Cancellation and Refunds

  • You may cancel your subscription at any time through the platform where you purchased it (App Store, Google Play, or web account settings).
  • Cancellation takes effect at the end of the current billing period. You retain access to premium features until that date.
  • Refund policies are governed by the applicable platform (Apple, Google, or Stripe). We do not issue direct refunds for subscriptions managed by Apple or Google — contact them directly.

4.6 Price Changes

We reserve the right to change subscription pricing. We will provide at least 30 days' notice of any price increase. For subscriptions managed through Apple or Google, price change consent is handled per their respective platform policies.

5. Financial Disclaimer

The Applications are personal finance tracking and organizational tools only. Nothing in the Applications constitutes financial, investment, tax, or legal advice.

  • Budgets, balances, split calculations, and account data are based on information you enter or import and may not reflect your actual financial position.
  • Automated categorization, recurring transaction detection, and split calculations are approximate and may contain errors.
  • You should consult a qualified financial professional before making financial decisions.

We are not liable for any financial decisions you make based on information displayed in the Applications.

6. Third-Party Services

The Applications integrate with third-party services, including but not limited to:

  • Plaid Inc. — Financial account linking and transaction import (Almighty tier)
  • Firebase (Google LLC) — Authentication, data storage, analytics
  • RevenueCat, Inc. — Subscription management (mobile)
  • Stripe, Inc. — Payment processing (web)
  • Sentry (Functional Software, Inc.) — Error monitoring

Your use of these third-party integrations is subject to their respective terms and privacy policies. We are not responsible for the practices or availability of third-party services.

7. Disclaimer of Warranties

THE APPLICATIONS ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT:

  • THE APPLICATIONS WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES.
  • THE RESULTS OBTAINED FROM USE OF THE APPLICATIONS WILL BE ACCURATE OR RELIABLE.
  • ANY DEFECTS IN THE APPLICATIONS WILL BE CORRECTED.
  • FINANCIAL DATA IMPORTED VIA PLAID OR ANY OTHER SOURCE WILL BE COMPLETE OR ACCURATE.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL URBANPX, LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING FROM:

  • YOUR USE OF OR INABILITY TO USE THE APPLICATIONS.
  • ANY UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR DATA.
  • ANY THIRD-PARTY CONDUCT OR CONTENT IN CONNECTION WITH THE APPLICATIONS.
  • ANY OTHER MATTER RELATING TO THE APPLICATIONS.

OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATED TO THIS AGREEMENT OR THE APPLICATIONS SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.

9. Indemnification

You agree to indemnify, defend, and hold harmless UrbanPX, LLC and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys' fees) arising out of or relating to your use of the Applications, your violation of this Agreement, or your violation of any rights of a third party.

10. Account Deletion

You may delete your account at any time through the Applications' settings. Upon deletion, all associated data is permanently removed as described in our Privacy Policy. This process is irreversible.

11. Termination

We may terminate or suspend your license to use the Applications at any time, with or without cause, with or without notice. Upon termination:

  • Your right to use the Applications ceases immediately.
  • You must delete all copies of the Applications from your devices.
  • Sections that by their nature should survive termination will survive, including Sections 2, 5, 7, 8, 9, and 14.

You may terminate this Agreement at any time by deleting the Applications from your devices and, if applicable, deleting your account.

12. Updates and Changes

We may update the Applications from time to time. Updates may modify, add, or remove features. We are not obligated to provide any specific updates or to maintain backward compatibility.

We may update this Agreement from time to time. When we make material changes, we will update the "Last Updated" date and notify you through the Applications or via email. Your continued use of the Applications after changes are posted constitutes acceptance of the updated Agreement.

13. Export Compliance

You agree to comply with all applicable export and re-export control laws and regulations, including the Export Administration Regulations maintained by the U.S. Department of Commerce, and trade and economic sanctions maintained by the U.S. Treasury Department's Office of Foreign Assets Control.

14. Governing Law and Dispute Resolution

This Agreement is governed by and construed in accordance with the laws of the State of Colorado, United States, without regard to its conflict of law provisions.

Any dispute arising from this Agreement shall first be attempted to be resolved informally by contacting support@urbanpx.com. If informal resolution fails after 30 days, the dispute shall be resolved by binding arbitration in the State of Colorado under the rules of the American Arbitration Association.

CLASS ACTION WAIVER: YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.

15. Apple App Store Additional Terms

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

  • This Agreement is between you and UrbanPX, LLC, not Apple Inc. Apple is not responsible for the Applications or their content.
  • Apple has no obligation to provide maintenance or support for the Applications.
  • In the event of a failure to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price (if any). Apple has no other warranty obligation with respect to the Applications.
  • Apple is not responsible for addressing any claims relating to the Applications, including product liability claims, consumer protection claims, or intellectual property infringement claims.
  • Apple and its subsidiaries are third-party beneficiaries of this Agreement. Upon your acceptance of this Agreement, Apple has the right to enforce it as a third-party beneficiary.
  • You represent that you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and you are not on any U.S. Government list of prohibited or restricted parties.

16. Google Play Additional Terms

If you downloaded the Applications from the Google Play Store, the following additional terms apply:

  • This Agreement is between you and UrbanPX, LLC, not Google LLC. Google is not responsible for the Applications or their content.
  • Google has no obligation to provide maintenance or support for the Applications.
  • Google is not responsible for addressing any claims relating to the Applications.

17. Severability

If any provision of this Agreement is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect.

18. Entire Agreement

This Agreement, together with our Terms of Service and Privacy Policy, constitutes the entire agreement between you and UrbanPX, LLC regarding your use of the Applications.

19. Contact Us

If you have questions about this Agreement, contact us at:

© 2026 UrbanPX, LLC. All rights reserved.