planwithzen1. Agreement to These Terms
These Terms of Use (the “Terms”) form a binding agreement between you and planwithzen LLC, a Texas limited liability company (“planwithzen,” “we,” “us,” or “our”), governing your use of the planwithzen mobile application, the planwithzen.com website, and any related services (together, the “Service”).
planwithzen LLC owns and operates the Service and is identified as the seller and developer of the application.
By downloading, installing, or using the Service, you agree to these Terms and to our Privacy Policy, which is incorporated into these Terms by reference. If you do not agree, do not use the Service.
Section 19 contains a binding arbitration agreement and a class action waiver. It affects how disputes between us are resolved. Please read it carefully. You may opt out of arbitration within 30 days as described in Section 19.6.
2. Who May Use the Service
You must be at least 18 years old and able to form a binding contract to use the Service. The Service is intended for personal, non-commercial use by individuals in the United States. We make no representation that the Service is appropriate or available in other locations, and you are responsible for compliance with local law if you use it elsewhere.
The Service is operated from the United States, and the limited data we hold is stored and processed in the United States only. See the Privacy Policy.
You may not use the Service if you are barred from doing so under applicable law, including U.S. export control and sanctions law.
3. What planwithzen Is, and What It Is Not
planwithzen is an informational and organizational tool. It displays figures you enter and figures retrieved from accounts you choose to connect, and it performs arithmetic on them to produce budgets, debt payoff plans, savings projections, and similar estimates.
PLANWITHZEN IS NOT A FINANCIAL ADVISOR, INVESTMENT ADVISOR, BROKER-DEALER, TAX ADVISOR, ACCOUNTANT, CREDIT COUNSELOR, OR LAW FIRM. NOTHING IN THE SERVICE IS FINANCIAL, INVESTMENT, TAX, LEGAL, OR ACCOUNTING ADVICE, AND NOTHING IN THE SERVICE IS A RECOMMENDATION TO BUY, SELL, OR HOLD ANY SECURITY OR TO ENTER INTO ANY TRANSACTION.
We owe you no fiduciary duty. We are not a bank, credit union, money transmitter, or lender. We do not hold, move, or have the ability to move your money. We cannot make payments, transfer funds, open or close accounts, or change anything at your financial institution.
Projections and plans generated by the Service are estimates based on the information available to it and on assumptions that may not hold. Actual results will differ. You are solely responsible for your financial decisions, and you should consult a qualified professional before acting on anything you see in the Service.
4. Accounts, Authentication, and SMS Verification
The iPhone app does not offer two-factor authentication, does not ask for a telephone number, and does not send SMS messages. The paragraphs in this section about a mobile telephone number and SMS verification describe the planwithzen web application; everything else in this section applies to both.
planwithzen may allow you to create an account using information such as your email address and, in the web application, a mobile telephone number. You are responsible for providing accurate account information and maintaining control of the email account, telephone number, devices, and other credentials used to access the Service.
If you provide a mobile telephone number and affirmatively consent, planwithzen may send one-time transactional security codes for account registration, login, account recovery, and multi-factor authentication.
Message frequency varies. Standard message and data rates may apply. Consent to receive these messages is not a condition of purchasing a paid subscription, and no telephone number is required to register for or use the iPhone app. Reply STOP to opt out or HELP for help. You may also contact hello@planwithzen.com for assistance. Mobile carriers are not liable for delayed or undelivered messages.
Account recovery may require access to the email address or mobile telephone number associated with your account. Notify us promptly if you believe your account, device, or credentials have been compromised.
Financial information associated with your planwithzen account may be synchronized with planwithzen’s hosted systems and made available through supported mobile and web applications. Restoring a Momentum subscription through Apple and accessing synchronized financial information through your planwithzen account are separate processes. A financial institution may require you to reconnect or reauthorize access for security or technical reasons.
You are responsible for maintaining the security of your account and device, including applicable passwords, verification methods, device passcodes, and biometric protections. The Service is not a system of record, and you should keep independent copies of information you cannot afford to lose.
5. Storage, Synchronization, and Your Records
Financial information you enter or retrieve through the Service may be stored on your device and synchronized with planwithzen’s hosted systems. Synchronization allows you to access information associated with your planwithzen account through supported mobile and web applications after signing in and completing any required verification.
The Service is not a system of record and is not a substitute for financial statements, tax records, estate documents, or other records you are required or advised to retain. Although we use safeguards intended to protect and maintain synchronized information, we do not guarantee that information will never be lost, corrupted, delayed, or unavailable.
You are responsible for maintaining independent copies of information you cannot afford to lose. To the extent permitted by law, planwithzen is not liable for loss of information resulting from circumstances outside its reasonable control.
6. Connecting Financial Institutions
You may choose to connect financial accounts through Plaid Inc. Connecting is optional; the Service works without it.
When you connect an account you represent that you are the owner of, or are authorized to access, that account, and that you have the right to permit us to retrieve information from it. You authorize us to retrieve account data on your behalf and to store the resulting access token as described in the Privacy Policy.
You enter your institution credentials directly with Plaid or your institution. We never receive them. Plaid’s screens may also ask for whatever your institution requires to authenticate you, which can include a telephone number and a one-time code sent to it. That exchange is between you, Plaid and your institution; planwithzen does not ask for a telephone number, does not receive one from Plaid, and does not store one. Your use of Plaid is governed by Plaid's own end user privacy policy at plaid.com/legal, and by your agreement with your financial institution. We are not responsible for Plaid's services or for your institution's systems.
Account data is provided as received. It may be delayed, incomplete, out of date, or wrong for reasons outside our control, including changes at your institution, connection failures, or errors in the underlying data. Do not rely on the Service as the authoritative statement of your balances or transactions; rely on your institution.
You may disconnect an institution at any time in the app, and we will revoke and delete the associated token within 24 hours.
7. Subscriptions, Billing, and Cancellation
7.1 Paid plans
Some features require a paid subscription. Prices, plan contents, and any free trial are described in the app at the point of purchase.
7.2 Billing is handled by the app stores
All purchases are processed by Apple through your App Store account, under their terms. We do not receive or store your payment card details.
7.3 Automatic renewal
SUBSCRIPTIONS RENEW AUTOMATICALLY AT THE THEN-CURRENT PRICE FOR THE SAME PERIOD UNLESS YOU CANCEL AT LEAST 24 HOURS BEFORE THE END OF THE CURRENT PERIOD. YOUR ACCOUNT WILL BE CHARGED FOR RENEWAL WITHIN 24 HOURS PRIOR TO THE END OF THE CURRENT PERIOD.
7.4 Free trials
If planwithzen offers a free trial, its duration, eligibility requirements, and the price charged after the trial will be presented before you subscribe. Unless canceled before the trial ends, it automatically converts to a paid Momentum subscription at the disclosed price. Trial availability may be limited to eligible subscribers.
7.5 Cancellation
You can cancel at any time in your Apple ID subscription settings. Cancellation takes effect at the end of the current billing period; you keep access until then. Uninstalling the app does not cancel a subscription.
7.6 Refunds
Refunds are handled by Apple under its policies. We generally cannot issue refunds directly. Except where required by law, payments are non-refundable and we do not provide refunds or credits for partial periods.
7.7 Price changes
We may change prices. Changes apply to renewals after we give notice as required by the app stores and by applicable law, and you may cancel before the change takes effect.
8. License and Restrictions
Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Service through supported applications, websites, and devices that you own or control, for your own personal use.
You may not, and may not permit anyone else to:
Copy, modify, translate, or create derivative works of the Service
Reverse engineer, decompile, or disassemble the Service, except to the extent this restriction is prohibited by applicable law
Access the Service by any automated means, including scrapers, bots, or scripts, or attempt to access data belonging to any other user
Circumvent, disable, or interfere with security, authentication, rate limiting, or subscription entitlement features
Probe, scan, or test the vulnerability of our systems except by reporting findings in good faith to security@planwithzen.com
Use the Service to violate any law, to infringe anyone's rights, or in connection with fraud or money laundering
Rent, lease, sell, sublicense, or provide the Service as a service bureau to third parties
Remove or obscure any proprietary notice
9. Your Responsibilities
You are responsible for the accuracy of the information you enter, the security of your account and device, maintaining your own records, and all activity that occurs through your account or installation of the Service. You must not share one-time verification codes with anyone. planwithzen employees will never ask you to provide a verification code.
You agree not to send us financial institution credentials, full account numbers, or statements through support correspondence. If you do, we will delete them.
10. Intellectual Property
The Service, including its software, design, text, graphics, and the planwithzen name and marks, is owned by planwithzen and protected by intellectual property law. These Terms grant you no rights in it except the license in Section 8.
The financial information you enter remains yours. You grant planwithzen a limited license to host, process, synchronize, transmit, and display that information solely as necessary to operate, secure, support, and improve the features you choose to use. This license ends when the information is deleted from our active systems, subject to reasonable backup, legal, security, and record-retention requirements.
11. Feedback
If you send us suggestions, ideas, or feedback, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use them for any purpose without obligation or compensation to you. Please do not send us anything you consider confidential.
12. Third-Party Services
The Service depends on third parties, including Plaid, Supabase, Twilio, RevenueCat, Expo, and Apple. Their services are provided under their own terms, and we do not control them. We are not responsible for their acts, omissions, outages, or changes, and a failure or change in any of them may interrupt or degrade the Service.
13. Availability, Changes, and Discontinuation
We provide the Service on an as-available basis and may modify, suspend, or discontinue any part of it at any time, with or without notice. We may impose limits on features or restrict access without liability.
If we discontinue the Service entirely, we will provide notice through the app, website, or contact information associated with your account where reasonably practicable so that you can preserve your records. Discontinuation may affect access to synchronized information and connected financial institutions, although information stored locally on a device may remain until deleted.
We may release updates, including over-the-air updates, which may be applied automatically. Continued use after an update constitutes acceptance of it.
14. Termination
You may stop using the Service at any time. Deleting the app does not delete your planwithzen account, synchronized information, or App Store subscription. You can delete your account and synchronized information in the app, under Settings. Deleting runs straight away, removes your records from the device and from planwithzen’s hosted systems, revokes any connected institutions, and cannot be undone. You may also contact hello@planwithzen.com. You must cancel an App Store subscription separately through your Apple ID subscription settings.
Sections 3, 5, 10, 11, 15, 16, 17, 19, 20, and 22, and any other provision that by its nature should survive, survive termination.
15. Disclaimer of Warranties
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, THAT DEFECTS WILL BE CORRECTED, THAT ACCOUNT DATA WILL BE ACCURATE, COMPLETE, OR CURRENT, OR THAT ANY PROJECTION OR PLAN WILL PROVE CORRECT.
Some jurisdictions do not allow the exclusion of certain warranties, so some of the above may not apply to you. In that case, any implied warranty is limited to the shortest period permitted by law.
16. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, PLANWITHZEN WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, SAVINGS, GOODWILL, OR DATA, ARISING OUT OF OR RELATING TO THE SERVICE, WHETHER IN CONTRACT, TORT, OR ANY OTHER THEORY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR ONE HUNDRED U.S. DOLLARS ($100).
This includes, without limitation, liability for loss of data stored on your device, for inaccurate or unavailable account data, and for decisions you make in reliance on the Service.
These limitations apply even if a limited remedy fails of its essential purpose. Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above may not apply to you.
17. Indemnification
You agree to indemnify and hold harmless planwithzen LLC and its members, officers, and agents from any claim, demand, loss, liability, or expense, including reasonable attorneys' fees, arising out of your use of the Service, your violation of these Terms, your violation of any law, or your infringement of any third party's rights.
18. Notices
We may provide notices through the app, by email using the address associated with your account, or by posting them at planwithzen.com. You agree that these methods constitute effective notice where permitted by law. You are responsible for keeping your account email address current and for keeping the app installed and updated if you want to receive in-app notices.
You may send notices to us at hello@planwithzen.com.
19. Dispute Resolution and Arbitration
19.1 Informal resolution first
Before starting an arbitration or a court proceeding, you agree to contact us at hello@planwithzen.com with a written description of the dispute and the relief sought, and to give us 60 days to resolve it informally. This step is a condition precedent to bringing a claim.
19.2 Binding arbitration
IF THE DISPUTE IS NOT RESOLVED, YOU AND PLANWITHZEN AGREE TO RESOLVE IT BY BINDING INDIVIDUAL ARBITRATION RATHER THAN IN COURT, EXCEPT AS PROVIDED BELOW. YOU AND WE ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY.
Arbitration will be administered by the American Arbitration Association under its Consumer Arbitration Rules, before a single arbitrator. The Federal Arbitration Act governs the interpretation and enforcement of this section. The arbitration may be conducted by documents, by telephone or video, or in person in the county where you reside, at your election.
19.3 Class action waiver
YOU AND PLANWITHZEN AGREE THAT CLAIMS MAY BE BROUGHT ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE CLAIMS OR PRESIDE OVER ANY FORM OF REPRESENTATIVE PROCEEDING.
If this waiver is found unenforceable as to a particular claim or request for relief, that claim or request will be severed and heard in court, and the remaining claims will proceed in arbitration.
19.4 Exceptions
Either party may bring an individual claim in small claims court if it qualifies. Either party may seek injunctive relief in court to protect intellectual property or to address unauthorized access to systems. Nothing in this section prevents you from reporting a matter to a government agency.
19.5 Costs
Payment of arbitration fees is governed by the AAA Consumer Arbitration Rules. Where those rules require us to pay a filing fee that exceeds the cost of filing in court, we will pay it.
19.6 Your right to opt out
You may opt out of this arbitration agreement by emailing hello@planwithzen.com within 30 days of first accepting these Terms, with the subject line “Arbitration Opt-Out” and a statement that you wish to opt out. Opting out does not affect any other part of these Terms, and we will not treat it as a breach or hold it against you.
20. Governing Law and Venue
These Terms are governed by the laws of the State of Texas, without regard to its conflict of law rules, except that the Federal Arbitration Act governs Section 19. For any dispute not subject to arbitration, you and we consent to the exclusive jurisdiction of the state and federal courts located in Texas.
Nothing in this section deprives you of the protection of mandatory consumer protection law in the place where you reside.
21. Changes to These Terms
We may update these Terms. If a change is material, we will post notice in the app before it takes effect and update the date at the top of this document. Continued use of the Service after a change takes effect means you accept the revised Terms. If you do not accept them, stop using the Service and delete the app.
Changes to Section 19 will not apply retroactively to a dispute of which we had notice before the change.
22. General
These Terms and the Privacy Policy are the entire agreement between you and us regarding the Service and supersede any prior understanding. If any provision is held unenforceable, it will be limited or severed to the minimum extent necessary and the remainder will stay in effect. Our failure to enforce a provision is not a waiver of it.
You may not assign these Terms. We may assign them in connection with a merger, acquisition, or sale of assets, on notice to you. There are no third-party beneficiaries except as stated in Section 23.
Neither party is liable for failure to perform caused by events beyond its reasonable control. Headings are for convenience only.
23. Additional Terms for Apple App Store Users
The following applies if you obtained the app from the Apple App Store:
These Terms are between you and planwithzen only, not with Apple Inc. planwithzen, not Apple, is solely responsible for the app and its content.
Your license to use the app is a non-transferable license to use it on Apple-branded products you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions.
Apple has no obligation to provide maintenance or support for the app.
If the app fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price. To the maximum extent permitted by law, Apple has no other warranty obligation with respect to the app.
planwithzen, not Apple, is responsible for addressing any claim by you or a third party relating to the app, including product liability claims, claims that the app fails to conform to legal or regulatory requirements, and claims arising under consumer protection or privacy law.
planwithzen, not Apple, is responsible for the investigation, defense, settlement, and discharge of any third-party claim that the app infringes intellectual property rights.
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 that you are not on any U.S. Government list of prohibited or restricted parties.
Apple and its subsidiaries are third-party beneficiaries of these Terms and, upon your acceptance, will have the right to enforce them against you.
24. Contact
planwithzen
General: hello@planwithzen.com
Security and vulnerability reports: security@planwithzen.com
Mailing address: provided on written request.
Texas, United States.
24.1 Notice to California residents
Under California Civil Code section 1789.3, California residents may report a complaint regarding the Service to the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by writing to 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210.