Terms of Service
Stitch Together Your Family Finances
Last Updated: October 24, 2023
1. Effective Date and Acceptance of Terms
These Terms of Service ("Terms") constitute a legally binding agreement between you ("User" or "You") and Patchly Inc. ("Company," "we," "our," or "us"). By accessing or using the Patchly mobile application, website, or related services (collectively, the "Service"), you agree to be bound by these Terms. If you do not agree to these Terms, you may not access or use the Service.
These Terms are effective as of October 24, 2023. We reserve the right to modify these Terms at any time. Your continued use of the Service after such modifications constitutes your acceptance of the updated Terms.
2. Account Registration and Eligibility
To create a Parent Account, you must be at least 18 years of age. By registering for an account, you represent that you are of legal age to form a binding contract with Patchly Inc. and that all information you provide is accurate, complete, and current.
You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security. We cannot and will not be liable for any loss or damage arising from your failure to comply with this obligation.
3. Subscription Plans, Billing, and Cancellation Terms
The Service is offered under a subscription model. We offer several plans, including but not limited to the "Family Plus" plan at $9.99/month and the "Family Premium" plan at $14.99/month (prices are subject to change).
Payment: We accept credit cards (Visa, Mastercard, American Express) and PayPal. You authorize us to charge your selected payment method for the applicable subscription fee at the beginning of each billing cycle.
Cancellation: You may cancel your subscription at any time through your account settings. Upon cancellation, access to premium features will continue until the end of the current billing period. You will not be entitled to a refund for the unused portion of the billing period.
4. Acceptable Use Policy
You agree to use the Service only for lawful purposes and in accordance with these Terms. You may not use the Service for any of the following purposes:
- Violate any applicable local, state, national, or international law or regulation.
- Engage in any activity that could damage the Service, interfere with another party's use of the Service, or impair the functionality of the Service.
- Attempt to gain unauthorized access to the Service, its servers, or any connected systems.
- Transmit spam, chain letters, or other unsolicited messages.
5. Intellectual Property
Patchly Platform: The entire content, structure, functionality, and original works of the Service are owned by Patchly Inc. and protected by international copyright, trademark, and other intellectual property laws. Our trademarks and trade dress may not be used without our prior written consent.
User Data: You retain all rights to the data and content you upload to the Service (including financial records, photos, and notes). While you grant us a license to use, store, and process your data to provide the Service, you own your personal data. You may export your data at any time.
6. Disclaimer of Warranties and Limitation of Liability
THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, PATCHLY INC. SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICE.
7. Indemnification Clause
You agree to indemnify, defend, and hold harmless Patchly Inc. and its officers, directors, employees, agents, licensors, service providers, subcontractors, affiliates, partners, and agents from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees), resulting from or arising out of a) your use and access of the Service, by you or any person using your account and password; b) a breach of these Terms; or c) the content posted on the Service.
8. Dispute Resolution and Arbitration Agreement
ANY DISPUTE, CLAIM, OR CONTROVERSY ARISING OUT OF OR RELATING TO THESE TERMS OR THE BREACH, TERMINATION, ENFORCEMENT, INTERPRETATION, OR VALIDITY THEREOF SHALL BE DETERMINED BY BINDING ARBITRATION RATHER THAN IN COURT, EXCEPT THAT YOU MAY ENFORCE IN COURT YOUR RIGHT TO SMALL CLAIMS FOR DISPUTES WHERE THE AGGREGATE AMOUNT IN DISPUTE DOES NOT EXCEED $5,000.
Arbitration shall be administered by the American Arbitration Association under its Commercial Arbitration Rules. The arbitrator's award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
9. Governing Law
These Terms shall be governed and construed in accordance with the laws of the State of Delaware, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.
10. Changes to Terms and User Notification Process
We reserve the right, at our sole discretion, to modify or replace these Terms at any time. It is your responsibility to check these Terms periodically for changes. Your continued use of the Service following the posting of any changes to these Terms constitutes acceptance of those changes.
We will notify you of any material changes to these Terms via email or by posting a notice on the Service. Continued use of the Service after such notice shall constitute your acceptance of the new Terms.