End User License Agreement (EULA)

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 applications, including their web and mobile interfaces (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) plus Plaid Lite (1 linked bank account, synced free forever). Basic splitting (groups, equal splits, settle up). Ad-supported.
Pro	$9.99/month or $79.99/year	Everything in Free, plus unlimited budgets, full Plaid bank linking (unlimited institutions) with auto-import, advanced splits (itemized, percentage, recurring), receipt scanning, export & reports, recurring bill tracking, wealth tracking (investments & liabilities), advanced insights, AI chat, Pro in Almighty Split included. Ad-free.

A 14-day free trial of Pro (Plaid-powered, no card required) is auto-activated for new users and reverts automatically to Free when it ends; no charge is made and no payment method is collected. Additional tiers — Pro+ and Business — are planned for future release and are not currently offered. (Reconciled 2026-07-19: removed the retired 3-tier "Almighty" $99.99 plan; conformed to the canonical 5-tier model — code SHA b88dab5.) (Reconciled 2026-08-09: removed the "priority support" benefit from Pro. The platform:priority_support entitlement flag was removed from the contract on 2026-08-09 because no tier sells priority support; per docs/ECOSYSTEM_FACTS.md §2.3 — the arbiter for the feature→tier map — it is neither offered at Pro nor gated above it.)

4.2 Payment Processing

Subscriptions are sold only through our website, using RevenueCat Web Billing with card payments processed by Stripe, subject to those providers' terms. You may manage or cancel your subscription at any time in your account settings. The Applications are not currently distributed through any mobile app store, and no subscription is sold or billed through an app store. If we begin distributing the Applications through an app store, we will publish updated terms describing that channel before any such purchase is offered.

4.3 Auto-Renewal

All paid subscriptions automatically renew at the end of each billing period (monthly or annually) unless you cancel before the current period ends. Your payment method will be charged for the renewal on or about the renewal date at the rate of the selected plan.

4.4 Free Trials

New users receive a 14-day free trial of Pro. No payment method is collected to begin the trial, and the trial does not convert into a paid subscription. When the 14-day period ends, your account automatically reverts to the Free tier unless you affirmatively purchase Pro. We may offer other trial periods at our discretion, on the terms disclosed to you at the time of that offer.

4.5 Cancellation and Refunds

Subscriptions are billed in advance and are non-refundable except as set out below or as required by law.

No prorated refunds for partial billing periods. You may cancel at any time in your account settings and retain access through the end of the period you have paid for.
We may, at our sole discretion, issue a refund for: a charge you did not authorize; a duplicate charge; a renewal charged within 14 days where the Services were not used in that period; or a failure of the Services.
Nothing in this section limits rights you have under applicable law.

4.6 Price Changes

We reserve the right to change subscription pricing. We will provide at least 30 days' notice of any price increase. The increased price will apply only to billing periods beginning after that notice period ends. If you do not accept a price increase, you may cancel before it takes effect.

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 (Plaid Lite on Free; full linking on Pro / trial)
Firebase (Google LLC) — Authentication, data storage, analytics
RevenueCat, Inc. — Subscription management and web checkout
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. NO CHANGE — verified.

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 publish a new version with an updated effective 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. Severability

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

16. 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.

17. Contact Us

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

Email: support@urbanpx.com
Website: https://almighty.money
Entity: UrbanPX, LLC