Terms of Service

Effective date: October 11, 2026Last updated: October 11, 2026

Acceptance of Terms

These Terms of Service ("Terms") govern your use of the Chip In mobile apps, website, and related services (the "Service"), operated by MRB Consulting Services, LLC ("we," "us," or "our"). By using the Service, you agree to these Terms. Our Privacy Policy explains how we handle information. If you do not agree to these Terms, do not use the Service.

We may update these Terms by posting a revised version and updating the dates above. We will provide notice of material changes as required by applicable law. Changes apply from the stated effective date; your continued use after that date constitutes acceptance, subject to any notice or consent required by law.

Eligibility

You must be at least 18 years old, or the age of majority where you live if higher, and legally capable of entering a binding agreement. Use only financial accounts you own or are authorized to access. Availability depends on your location, app store, financial institution, and supported account types; not every institution or feature is available everywhere.

Description of Services

Chip In provides personal-finance tools for individuals and couples. Current capabilities, subject to your plan and data availability, include:

• Accounts and transactions: Connect eligible checking, savings, credit card, loan, and investment accounts through Plaid; view balances and transactions; and enter supported manual accounts and transactions.
• Reports and budgeting: Explore spending, cash flow, net worth, category budgets, recurring bills, and subscriptions.
• Shared expenses: Choose what to share with your partner, set expense splits and recurring split rules, and track amounts owed and recorded settlements.
• Debt and investment tools: Review liabilities, payoff estimates, holdings, investment activity, dividends, and retirement scenarios where supported.
• Chip In Intelligence: Ask questions about your financial data and use AI-assisted insights, report briefings, and summaries with All Access.*
• Notifications: Use supported in-app and email alerts and reminders, subject to your settings and feature availability.

* Some Free features also use AI, such as Smart Signal analysis, standard report and budget briefings, rule and automation drafting, Rebalance reviews, AI category suggestions, budget digest tips, and receipt scanning. These are offered within daily usage limits. Which AI features are free, their limits, and the plan that includes them may change at any time, and a free AI feature may later require All Access. The Pricing page shows what is currently included.

Chip In is not a bank, broker, investment adviser, financial planner, or tax adviser. It does not hold funds, execute trades, or provide professional financial, investment, tax, or legal advice. Reports, alerts, projections, and AI responses are informational. AI can make mistakes; estimates are not guarantees. Verify important information with your financial institution and consult a qualified professional when appropriate.

Connected data can be delayed, incomplete, or unavailable. Refresh frequency and historical coverage depend on the institution and provider. Chip In is not a real-time bank ledger, credit-reporting agency, or guarantee of your available funds or future investment returns. We may change features over time and will provide notice of material changes where required.

Account Registration & Security

Provide accurate registration information and keep it current. Your account is personal to you; your partner uses their own account. Protect your login credentials and devices, and do not share your password. We use Firebase Authentication for sign-in and account authentication. Chip In does not receive your online banking username or password through Plaid account linking.

You are responsible for activity under your account. Contact support@chipin.mobi promptly if you suspect unauthorized access. We may restrict access to address suspected fraud, misuse, or security threats.

Partner Sharing

Connecting an account to Chip In does not automatically give your partner access to it. Your sharing settings determine which accounts and data types your partner can view. Expense splits and payment records you choose to share are visible to the relevant partner. Share only information you are authorized to share, and review your settings when your circumstances change.

You can change sharing permissions or disconnect your partner. Stopping access does not erase information the other person already viewed, downloaded, or independently recorded. A shared expense or settlement record in Chip In does not create a joint bank account or authorize either person to withdraw funds from the other's account.

Payments & Settlement Records

Chip In can open external payment services such as Venmo or Cash App and can record settlements made by cash or check. Chip In does not process, hold, or transfer money. External payments are governed by the provider's terms and privacy policy. Confirm the recipient, amount, and completion in that provider before recording a settlement.

A "paid" or "settled" status in Chip In is a tracking record, not independent proof that money moved. You and your partner are responsible for the accuracy of splits and settlement records and for resolving payment disagreements. External payment fees, reversals, and disputes are handled by the payment provider.

Free & All Access Subscriptions

The Free plan includes 1 connected non-investment account and the sharing tools, reports, and category budgets described on our Pricing page. All Access adds up to 15 connected accounts under the standard plan, investment connections and tools, and premium intelligence features.* Feature and connection limits are described on the Pricing page and in the app. A subscription belongs to the subscribing user; it does not automatically upgrade the partner's account.

• Plans and prices: Current standard U.S. pricing for All Access is $12.99 per month or $99.99 per year (USD). The price, taxes, currency, billing period, and any offer displayed by the store at checkout govern your purchase.
• Billing: Purchases are handled by the Apple App Store or Google Play. RevenueCat helps Chip In verify purchases and subscription access. Chip In does not collect your full payment-card details for these purchases.
• Automatic renewal: Subscriptions renew and the store charges your payment method for the next billing period unless you cancel through the store before renewal. Review the renewal date and cancellation deadline in your store account.
• Cancellation: You can cancel through the store that billed you. See Apple's cancellation instructions or Google Play's cancellation instructions. Access generally continues through the paid period, subject to the store's terms. Uninstalling the app or deleting your Chip In account does not cancel a store subscription.
• Refunds: The billing store handles refund requests under its policies and applicable law. Contact the store for purchases it billed; Chip In cannot promise a refund or override the store's decision. These Terms do not limit refund rights provided by law.
• Offers: A trial or promotional price applies only if expressly offered at checkout. Its eligibility, duration, renewal price, and cancellation terms are those shown with the offer.
• Price changes: The billing store provides any required notice and consent process. Review the notice and cancel before renewal if you do not accept the new price.
• Expiration: When paid access ends, premium features and connection limits may be restricted. Subscription expiration alone does not delete your Chip In data. Account deletion and the inactive Free-account policy are separate.

Services Used to Operate Chip In

Chip In uses Plaid for authorized financial-account connections, Firebase Authentication for sign-in, Microsoft Azure for hosting, data storage, diagnostics, and AI processing, RevenueCat for subscription management, and Mailgun for email delivery. Our Privacy Policy explains the information processed for these functions.

When you connect an account, you authorize Chip In and Plaid to retrieve the supported financial information needed for the features you use. Review Plaid's End User Privacy Policy. Chip In receives connection tokens and financial data, not your bank login credentials. We do not use those connections to initiate transfers or trades.

Providers and external websites have their own terms and privacy practices. Their availability, data coverage, and operation can affect Chip In. References to them do not imply endorsement or affiliation beyond our use of their services.

User Conduct & Responsibilities

Use Chip In only for lawful, intended purposes. Do not:

• Access another person's account or share their information without authorization.
• Impersonate others, submit fraudulent information, harass anyone, or send spam.
• Submit content that violates privacy, intellectual property, or other legal rights.
• Bypass authentication, subscription gates, or sharing controls; introduce malware; or disrupt the Service.
• Copy, sell, sublicense, or reverse engineer the Service except to the extent permitted by applicable law.

We may investigate misuse and restrict or terminate access for violations. Report concerns to support@chipin.mobi.

Chip In and its branding, software, and content remain the property of MRB Consulting Services, LLC or its licensors. You receive a limited right to use the Service in accordance with these Terms. You retain your rights in information you submit and permit us to process it to provide the Service, as described in the Privacy Policy.

Privacy & Data Security

We do not sell or rent your personal information or financial data, provide it to advertisers or data brokers, or share it for targeted advertising. Information is processed to operate Chip In, deliver features you use, support your account, and meet legal obligations. Partner access follows the permissions and sharing actions you choose.

We use HTTPS connections and authenticated access to Chip In services. No online service can guarantee absolute security or uninterrupted availability. See the Privacy Policy for collection, service-provider processing, retention, and your choices.

Disclaimers and Limitations of Liability

NO WARRANTY: CHIP IN AND ALL SERVICES, FEATURES, AND CONTENT ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, RELIABILITY, OR NON-INFRINGEMENT. WE DO NOT GUARANTEE THAT THE SERVICE WILL BE ERROR-FREE, SECURE, UNINTERRUPTED, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE MAKE NO WARRANTY AS TO THE RESULTS THAT MAY BE OBTAINED FROM USE OF THE SERVICE OR THE ACCURACY OR RELIABILITY OF ANY INFORMATION OBTAINED THROUGH THE SERVICE. YOUR USE OF THE SERVICE IS AT YOUR OWN RISK.

LIMITATION OF LIABILITY: TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, NEITHER CHIP IN, MRB CONSULTING SERVICES, LLC, NOR OUR AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS SHALL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES), WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR OTHERWISE, ARISING OUT OF OR IN CONNECTION WITH THE USE OF OR INABILITY TO USE THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

DIRECT DAMAGES CAP: TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU HAVE PAID TO US (IF ANY) FOR THE SERVICE IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) FIFTY U.S. DOLLARS ($50.00).

THIRD-PARTY SERVICES: WE ARE NOT RESPONSIBLE FOR THE ACTS OR OMISSIONS OF ANY THIRD-PARTY SERVICE PROVIDERS, INCLUDING PLAID, GOOGLE, MICROSOFT, OR PAYMENT PROCESSORS. YOUR RELATIONSHIP WITH THOSE THIRD PARTIES IS GOVERNED BY THEIR TERMS.

SOME JURISDICTIONS DO NOT ALLOW THE DISCLAIMER OF WARRANTIES OR THE LIMITATION OF LIABILITY FOR CERTAIN TYPES OF DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

Indemnification

You agree to indemnify, defend, and hold harmless Chip In, MRB Consulting Services, LLC, and our officers, directors, employees, agents, and affiliates from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to: (a) your use or misuse of the Service; (b) your violation of these Terms; (c) your violation of any rights of a third party, including intellectual property rights or privacy rights; or (d) any content you submit to the Service.

Termination & Closing Your Account

You can close your account using Account > Delete Account in the mobile app, or contact support@chipin.mobi if you cannot access it. Account deletion ends access and partner sharing and initiates removal of connected-account data, as described in the Privacy Policy. Cancel any store subscription separately before closing your account.

Inactive Free accounts may be removed after advance warning emails; the notice explains the deadline and how signing in prevents removal. This can remove bank connections and associated data. We may also suspend or terminate access for a breach of these Terms, suspected fraud, abuse, or legal or security reasons, with notice where required by law.

Provisions that by their nature should survive termination remain in effect, including accrued subscription obligations, privacy, disclaimers, limitations of liability, indemnification, dispute resolution, and governing law.

Dispute Resolution, Arbitration & Governing Law

These Terms are governed by and construed in accordance with the laws of the State of Georgia, USA, and applicable federal law, without regard to its conflict of law principles. Any disputes or claims arising out of or relating to these Terms or the Service shall be resolved exclusively through binding arbitration in Savannah, Georgia, under the rules of the American Arbitration Association, except that you or we may bring claims in small claims court for matters within the court’s jurisdiction. You and Chip In agree to waive the right to a trial by jury or to participate in a class action. The prevailing party in any arbitration or legal proceeding will be entitled to recover reasonable attorney’s fees and costs. If you are located in Canada, applicable provincial laws may also apply to your use of the Service.

If you have a dispute or concern, we encourage you to contact us at support@chipin.mobi so we may try to resolve it informally before resorting to arbitration or legal action.

Other Legal Terms

• Entire Agreement: These Terms (and the Privacy Policy) constitute the entire agreement between you and Chip In regarding your use of the Service and supersede any prior agreements or understandings (oral or written).
• Severability: If any provision of these Terms is found to be invalid or unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.
• No Waiver: Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.
• Assignment: You may not assign or transfer these Terms or your account without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of all or substantially all of our assets, or to any affiliate or successor.
• Headings: Headings are for convenience only and have no legal effect.