Terms of Service

1. Introduction

Welcome to MoneyPilot.

These Terms of Service (the "Terms") govern your access to and use of MoneyPilot's website(s), web app, and related services (the "Service"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

Company and Contact Information

• Service Provider: BLOOM PROCESSING LLC
• Business Address: 30N Gould St Ste R, Sheridan WY 82801, USA
• Support Email: support@moneypilot.com
• Support Hours: Mon-Fri, 9am-5pm ET (excluding holidays)

Payments

Payments for MoneyPilot subscriptions are processed by OpenPay (a third-party payment processor). You authorize us and OpenPay to charge your selected payment method in accordance with your plan and these Terms.

2. Definitions

• "MoneyPilot," "we," "us," "our": the company operating the Service.
• "User," "you," "your": anyone who accesses or uses the Service.
• "Content": all text, data, settlement listings, estimates, tools, and materials shown through the Service.
• "Settlement" / "Claim Opportunity": a class action settlement, refund program, or similar opportunity that may allow eligible consumers to submit a claim to a third party (usually a settlement administrator).

3. Eligibility

By using the Service, you represent and warrant that:

• You are at least 18 years old (or the age of majority where you live).
• You have the legal capacity to enter into these Terms.
• You will comply with all applicable laws and regulations.
• You will not use the Service for fraudulent or unlawful purposes.

4. Account Registration and Security

You may need to create an account to access paid features. You agree to:

• Provide accurate and complete information.
• Keep your login credentials secure.
• Notify us promptly if you believe your account has been compromised.

You are responsible for all activity under your account.

5. What MoneyPilot Does

MoneyPilot is designed to help users discover and understand potential claim opportunities and, over time, provide more tooling around tracking and automation.

Today, the Service may include:

• Curated claim opportunities and summaries in plain language.
• Links or directions to official claim submission pages operated by third parties.
• Basic tracking features inside the app.

Important: In many cases, claims are submitted on third-party websites, and MoneyPilot does not control those sites or their outcomes.

6. Not a Law Firm; No Legal or Financial Advice

MoneyPilot is not a law firm, is not a settlement administrator, and does not provide legal advice. Information provided through the Service is for general informational purposes only and should not be treated as legal, tax, or financial advice. If you need advice, consult a qualified professional.

7. No Guarantee of Payouts, Eligibility, or Timing

Class action settlements and refunds are controlled by courts, settlement administrators, and other third parties. Because of that:

• We do not guarantee you are eligible for any settlement.
• We do not guarantee you will receive money, or any specific amount.
• We do not control deadlines, approval decisions, or payout timing.
• Any payout ranges, estimates, or "up to" amounts shown in the Service are estimates and may be wrong.

You are responsible for reading and complying with the official settlement terms and instructions on the administrator's website.

8. Subscriptions, Plans, and Billing

• Subscription Service: If you purchase a subscription, you are enrolling in a recurring subscription that automatically renews unless you cancel before renewal.
• Billing Cycle: MoneyPilot may offer subscription terms such as monthly, quarterly (3 months), or semiannual (6 months). Your plan renews at the end of your selected billing period.
• Auto-Renewal: By subscribing, you authorize us (via OpenPay) to charge your payment method at the start of each billing period, including any applicable taxes.
• Statement Descriptor: Charges may appear on your billing statement as MoneyPilot or a similar descriptor.
• Price Changes: We may change prices with at least 30 days' notice (for example by email or in-app notice). If you do not agree, you must cancel before the new price takes effect.
• Failed Payments: If your payment method fails, we may suspend or terminate your access after one or more retry attempts. You remain responsible for any amounts due.

9. Trials, Discounts, and Promotions

If we offer promotional pricing, discounts, or trial periods:

• Promotions apply only as described at the time of purchase.
• Unless clearly stated otherwise, your subscription renews at the then-current standard rate after the promotional period ends.
• You are responsible for canceling before renewal if you do not want to continue.

10. Cancellation

You can cancel your subscription at any time.

How to cancel:

• Log in to your account and use the cancellation flow inside the app (if available), or
• Email support@moneypilot.com from the email address on your account.

Processing time: We aim to process cancellation requests within 2 business days.

Access after cancellation: You will continue to have access until the end of your current paid billing period. You will not be charged again after successful cancellation.

11. Refund Policy

MoneyPilot's default policy is:

• Subscription fees are non-refundable once a billing period begins, except where required by law.
• If you believe you were charged in error (duplicate charge, incorrect amount, or cancellation not applied), contact support@moneypilot.com and we will investigate.

12. User Responsibilities and Prohibited Conduct

You agree that you will not:

• Submit false, misleading, or fraudulent information in connection with any claim.
• Impersonate another person or submit claims on behalf of someone without permission.
• Attempt to probe, scan, or test the vulnerability of the Service.
• Reverse engineer, scrape, or misuse the Service except as permitted by law.
• Use the Service in a way that violates any law, court order, or settlement terms.

We can suspend or terminate accounts involved in suspected fraud or abuse.

13. Privacy and Data

Our Privacy Policy explains how we collect, use, and protect data. In general:

• We aim to collect only what is needed to operate the Service.
• We do not store raw card numbers (payments are handled by OpenPay).
• We do not ask for or store your bank account or routing numbers for settlement payouts.

You should read the Privacy Policy before using the Service.

14. Third-Party Sites and Services

The Service may link to third-party websites (including official settlement administrator sites). We do not control third parties and are not responsible for:

• Their content, accuracy, or availability
• Their privacy practices
• Claim acceptance decisions or payouts

Your use of third-party services is at your own risk and subject to their terms.

15. Intellectual Property

All rights, title, and interest in the Service and Content (excluding content you submit) are owned by MoneyPilot or its licensors and are protected by applicable intellectual property laws. You may not copy, distribute, modify, or create derivative works from our Service or Content without written permission.

16. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Service will be uninterrupted, accurate, or error-free.

17. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• MONEYPILOT WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.
• OUR TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED THE AMOUNT YOU PAID TO MONEYPILOT IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM (OR, IF LOWER, YOUR MOST RECENT SUBSCRIPTION PAYMENT).

Some jurisdictions do not allow certain limitations, so these limits may not apply to you in full.

18. Indemnification

You agree to indemnify and hold harmless MoneyPilot and its officers, directors, employees, and contractors from any claims, damages, liabilities, and expenses (including attorneys' fees) arising from:

• Your misuse of the Service
• Your violation of these Terms
• Your submission of fraudulent or unauthorized claims
• Your violation of any third-party rights

19. Dispute Resolution and Arbitration

If you include arbitration, a typical structure is:

• Informal resolution first (email support).
• If unresolved, binding arbitration under AAA rules.
• No class actions; disputes must be brought individually.

20. Changes to These Terms

We may update these Terms from time to time. We will post the updated Terms and change the "Last Updated" date. Your continued use of the Service after updates means you accept the revised Terms.

21. Termination

We may suspend or terminate your access to the Service at any time if we believe you violated these Terms, engaged in fraud, or used the Service unlawfully. Upon termination, your right to use the Service stops immediately.

22. Contact

For billing, support, or legal inquiries:

support@moneypilot.com