Legal

Terms of Service

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

UrbanPX, LLC ("we," "us," "our," or "Almighty") operates the Almighty ecosystem of applications, including Almighty Budget, Almighty Split, and related services (collectively, the "Services"). These Services are accessible via web at almighty.money and through mobile applications on iOS and Android platforms.

By creating an account or using any part of the Services, you ("you" or "User") agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Services.

1. Eligibility

You must be at least 13 years old (or 16 in the European Economic Area) to use the Services. By creating an account, you represent that you meet this age requirement and have the legal capacity to enter into these Terms.

2. Account Registration

  • You must provide a valid email address and create a password to register.
  • You are responsible for maintaining the confidentiality of your login credentials.
  • You are responsible for all activity that occurs under your account.
  • You agree to provide accurate, current, and complete information during registration and to update it as needed.
  • We reserve the right to suspend or terminate accounts that contain false or misleading information.

3. Description of Services

3.1 Almighty Budget

A personal budgeting application that allows you to create budgets, track transactions, manage accounts, monitor net worth, and connect financial institutions via Plaid for automated transaction import.

3.2 Almighty Split

A group expense-splitting application that allows you to create groups, add shared expenses, calculate balances, and record settlements among group members.

3.3 Cross-App Sync

The Almighty ecosystem supports optional data syncing between Almighty Budget and Almighty Split. When enabled, expenses created in Almighty Split can be synced to Almighty Budget so you can track shared expenses alongside personal spending.

4. Subscription Plans and Billing

4.1 Available Plans

Plan Price Features
Free $0 Core budgeting and splitting features with standard limits
Pro $9.99/month or $79.99/year Advanced budgeting tools, enhanced analytics, increased limits
Almighty $14.99/month or $99.99/year Full ecosystem access, cross-app sync, priority support, all premium features

4.2 Billing

  • Subscriptions are billed in advance on a recurring basis (monthly or annually) through RevenueCat (mobile) or Stripe (web).
  • Your subscription automatically renews at the end of each billing period unless you cancel before the renewal date.
  • Prices are in US dollars and do not include applicable taxes.

4.3 Free Trials

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

4.4 Cancellation

  • You may cancel your subscription at any time through your device's app store subscription settings (iOS/Android) or through the web billing portal.
  • Cancellation takes effect at the end of the current billing period. You retain access to premium features until that date.
  • We do not provide prorated refunds for partial billing periods.

4.5 Price Changes

We reserve the right to change subscription prices. We will provide at least 30 days' notice of any price increase. Continued use of the Services after a price change constitutes acceptance of the new price.

5. Plaid Integration and Financial Data

5.1 Authorization

By connecting a financial institution through Plaid, you authorize Plaid Inc. to access your financial account information on your behalf. This connection is governed by Plaid's End User Privacy Policy.

5.2 Data Retrieved

When you connect an account via Plaid, we retrieve:

  • Account names, types, balances, and masks (last 4 digits)
  • Transaction history (descriptions, amounts, dates, categories, merchant names)
  • Recurring transaction patterns (subscriptions, bills, income)
  • Institution name and logo

5.3 Data We Do NOT Retrieve

  • Full bank account numbers or routing numbers
  • Login credentials for your financial institutions
  • Credit card numbers or security codes

5.4 Disconnecting

You may disconnect any linked financial institution at any time through the app. Upon disconnection, the Plaid access token is revoked. Previously imported transaction data remains in your account unless you request deletion.

6. Financial Disclaimer

Almighty Budget is not a financial advisor, broker, or fiduciary. The Services are personal tracking and organizational tools only. Nothing in the Services constitutes financial, investment, tax, or legal advice.

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

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

7. User Content and Data

7.1 Your Data

You retain ownership of all data you create or import into the Services, including budgets, transactions, groups, expenses, settlements, account information, and notes ("User Data").

7.2 License Grant

By using the Services, you grant us a limited, non-exclusive license to store, process, display, and transmit your User Data solely for the purpose of providing the Services to you. We do not use your User Data for advertising, sell it to third parties, or share it except as described in our Privacy Policy.

7.3 Data Portability

You may request an export of your data at any time. See Section 12 (Account Deletion) for data export options.

8. Acceptable Use

You agree not to:

  • Use the Services for any unlawful purpose or in violation of any applicable law or regulation.
  • Attempt to gain unauthorized access to any part of the Services, other users' accounts, or our systems.
  • Interfere with or disrupt the integrity or performance of the Services.
  • Reverse-engineer, decompile, or disassemble any part of the Services.
  • Use automated systems (bots, scrapers) to access the Services without our written permission.
  • Transmit viruses, malware, or any code designed to harm the Services or other users.
  • Impersonate another person or entity.
  • Use the Services to store or transmit content that is illegal, defamatory, obscene, or harmful.

We reserve the right to suspend or terminate your account for violations of this section.

9. Intellectual Property

9.1 Our Rights

The Services, including all code, design, content, trademarks, and documentation, are owned by UrbanPX, LLC and protected by copyright and intellectual property laws. "Almighty," "Almighty Budget," and "Almighty Split" are trademarks of UrbanPX, LLC.

9.2 Restrictions

You may not copy, modify, distribute, sell, or lease any part of the Services, nor may you reverse-engineer or attempt to extract the source code, except where permitted by law.

10. Third-Party Services

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

Service Provider Purpose
Plaid Plaid Inc. Financial account linking and transaction import
Firebase Google LLC Authentication, data storage, analytics
RevenueCat RevenueCat, Inc. Mobile subscription management
Stripe Stripe, Inc. Web payment processing
Sentry Functional Software, Inc. Error monitoring and crash reporting

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

11. Privacy

Your use of the Services is also governed by our Privacy Policy, which describes how we collect, use, store, and protect your information. By using the Services, you consent to the practices described in the Privacy Policy.

12. Account Deletion

You may delete your account at any time through the app settings. Upon deletion:

  1. Budget data — All budgets, categories, transactions, Plaid connections (tokens revoked), recurring rules, account snapshots, wealth data, and your user profile are permanently deleted.
  2. Split data — Your user profile, group memberships, and associated expense/settlement records are permanently deleted.
  3. Platform data — Your Almighty ecosystem identity (almightyUID) and sync records are permanently deleted.

Account deletion is irreversible. Once processed, we cannot recover your data. Deletion is handled by our automated Cloud Functions and processes within approximately 30 days.

We recommend exporting your data before requesting deletion.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

  • THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
  • WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
  • WE DO NOT WARRANT THE ACCURACY, COMPLETENESS, OR RELIABILITY OF ANY DATA DISPLAYED IN THE SERVICES, INCLUDING FINANCIAL DATA IMPORTED VIA PLAID.
  • IN NO EVENT SHALL URBANPX, LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF OR INABILITY TO USE THE SERVICES.
  • OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATED TO THE SERVICES SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.

14. 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 Services.
  • Your violation of these Terms.
  • Your violation of any third-party rights.
  • Any User Data you submit through the Services.

15. Dispute Resolution

15.1 Informal Resolution

Before filing a formal dispute, you agree to contact us at support@urbanpx.com and attempt to resolve the dispute informally for at least 30 days.

15.2 Arbitration

If informal resolution fails, any dispute arising from these Terms or the Services shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. Arbitration shall take place in the State of Colorado, or remotely at the arbitrator's discretion.

15.3 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.

15.4 Small Claims Exception

Either party may bring an individual action in small claims court if the dispute qualifies.

16. Termination

We may suspend or terminate your access to the Services at any time, with or without cause, and with or without notice. Upon termination:

  • Your right to use the Services ceases immediately.
  • We may delete your account and data after a reasonable retention period (see Privacy Policy for details).
  • Sections that by their nature should survive termination will survive, including Sections 7, 9, 13, 14, 15, and 16.

17. Changes to These Terms

We may update these Terms from time to time. When we make material changes, we will:

  • Update the "Last Updated" date at the top of this document.
  • Notify you through the Services or via email.

Your continued use of the Services after changes are posted constitutes acceptance of the updated Terms. If you do not agree to the changes, you must stop using the Services and delete your account.

18. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Colorado, United States, without regard to its conflict of law provisions.

19. Severability

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

20. Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and UrbanPX, LLC regarding your use of the Services, and supersede all prior agreements and understandings.

21. Contact Us

If you have questions about these Terms, contact us at:

© 2026 UrbanPX, LLC. All rights reserved.