Terms of Use

Effective Date: August 28, 2026

Agreement to Terms

Welcome to Unspending Spree. These Terms of Use ("Terms") constitute a legally binding agreement between you ("you," "your," or "User") and Third Ralph, LLC, doing business as Unspending Spree ("we," "us," "our," or "Company") governing your access to and use of the Unspending Spree application, website, and related services (collectively, the "Service").

You accept these Terms by checking the acceptance box and selecting "Create Account," "Start Trial," "Subscribe," or another button that expressly states that the action constitutes agreement. Merely visiting a public page does not create a paid subscription. We maintain an electronic record of the version accepted and the date and time of acceptance. If you do not agree to these Terms, do not create an account or use the Service.

We may update these Terms from time to time. The Effective Date above identifies when this version first applies. Material changes apply prospectively, after notice by email or through the Service. If a change requires renewed consent under applicable law, it will not bind you until that consent is obtained.

Table of Contents

1. Eligibility
2. Account Registration
3. Description of Service
4. Subscription, Fees, and Billing
5. Acceptable Use
6. Third-Party Services
7. Intellectual Property
8. User Content
9. Privacy
10. Disclaimers
11. Limitation of Liability
12. Indemnification
13. Termination
14. Dispute Resolution
15. General Provisions
16. Contact Us

1. Eligibility

1.1 Age Requirement

You must be at least 18 years old to use the Service. By using the Service, you represent and warrant that you are at least 18 years of age.

1.2 Legal Capacity

You must have the legal capacity to enter into a binding agreement. If you are using the Service on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

1.3 Geographic Restrictions

The Service is intended for use by residents of the United States. We make no representations that the Service is appropriate or available for use in other locations. If you access the Service from outside the United States, you do so at your own risk and are responsible for compliance with local laws.

1.4 Account Restrictions

You may not use the Service if:

• You have been previously banned or removed from the Service
• You are prohibited by law from using financial services
• You intend to use the Service for illegal purposes

2. Account Registration

2.1 Account Creation

To use certain features of the Service, you must create an account. Creating an account requires checking the box accepting these Terms; we keep an electronic record of the version you accepted and the date and time of acceptance. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your information to keep it accurate
• Keep your password confidential and secure
• Notify us immediately of any unauthorized access
• Accept responsibility for all activities under your account

2.2 Account Security

You are responsible for maintaining the security of your account. We recommend:

• Using a strong, unique password
• Enabling multi-factor authentication (MFA)
• Not sharing your account credentials with others
• Logging out from shared devices

2.3 Household Accounts

The Service allows you to create or join "households" to share financial information with family members or trusted individuals.

A household is a feature of the Service. A household describes who may access a set of financial data within the Service. It is not a company, partnership, association, or any other legal person, it is not a party to these Terms, and it cannot agree to anything, hold rights, or owe obligations. These Terms are an agreement between us and you as an individual. Where these Terms describe what a household can do or what happens to a household, they are describing how the Service behaves, not granting the household any capacity.

Each member agrees to these Terms. Every person who creates or joins a household accepts these Terms in their own right and is bound by them individually. Accepting an invitation is not accepting on anyone else's behalf, and no member's acceptance binds any other member.

Data visibility. All members of a household can see all household financial data, including account balances, transactions, recurring charges, and debt payoff plans. There is no per-account visibility control between members. If you do not want someone to see your financial data, do not invite them to your household.

Consent. Before sharing data through a household:

• The person sending an invitation is shown a notice that the invitee will see all household financial data
• The invitation email discloses that accepting grants mutual access to financial data
• The person accepting an invitation must affirmatively consent via a checkbox acknowledging that all household members will see shared financial data

Owner responsibility. By inviting someone to your household, you accept responsibility for ensuring that person is appropriate to have access. Household owners and admins can remove members at any time.

Member departure. When a member leaves or is removed from a household, they immediately lose access to that household's financial data. Data they contributed (e.g., linked accounts, imported statements) remains available to the members who remain. No copies of the household's data are provided to the departing member, and a departing member has no right to take that data with them.

A member who leaves a household and wants to keep using the Service must join another household or create one of their own with its own subscription, as described in Section 4.3. Membership in a household you have left does not entitle you to continued access.

2.4 Accountability Partners

You may designate an accountability partner to support your financial goals. Accountability partners receive only goal progress information (such as milestone celebrations, monthly summaries, and optional setback alerts). They do not receive access to raw financial data such as account balances, individual transactions, or account details. An accountability partner does not need an Unspending Spree account.

2.5 One Account Per Person

Each individual may maintain only one account. Creating multiple accounts to circumvent restrictions or abuse the Service is prohibited.

3. Description of Service

3.1 What We Provide

Unspending Spree is a personal finance application that helps you:

• Track credit cards, bank accounts, loans, and investments
• Import financial data from statements or connected accounts
• Detect and manage recurring charges and subscriptions
• Plan debt payoff strategies
• Analyze spending patterns and trends
• Set financial goals and track progress

3.2 What We Do NOT Provide

The Service provides calculations, classifications, observations, and user-selected scenarios. It does not recommend or direct a particular financial transaction, investment, debt payment, tax position, or legal action. References to potential savings or payoff outcomes are estimates based on user-provided data and assumptions, not individualized professional advice.

The Service does NOT:

• Provide financial, investment, tax, or legal advice
• Execute financial transactions on your behalf
• Guarantee the accuracy of imported or calculated data
• Serve as a substitute for professional financial guidance
• Store or transmit money
• Provide credit or lending services

3.3 Service Availability

We strive to maintain Service availability but do not guarantee uninterrupted access. The Service may be temporarily unavailable due to:

• Scheduled maintenance (we will provide advance notice when possible)
• Unscheduled maintenance or emergency repairs
• Factors beyond our control (internet outages, third-party service issues)

3.4 Service Changes

We may modify, suspend, or discontinue any part of the Service at any time. We will provide reasonable notice for material changes that affect your use of the Service.

4. Subscription, Fees, and Billing

4.1 The Service Is Paid

Unspending Spree is a paid subscription service. There is no free version. Except during a free trial, an active paid subscription is required to use the Service.

4.2 Plans and Prices

We offer two plans, each billed monthly or annually:

Premium covers the core application. Premium AI covers everything in Premium plus the Deep Review feature. The plans, their prices, and what each includes are shown to you before you subscribe, and the price shown at checkout is the price that applies to your subscription.

Promotional codes and referral credits, where we offer them, reduce the amount charged for the periods they cover. They have no cash value and cannot be exchanged for money.

4.3 Your Subscription and Your Household

You are the subscriber. When you subscribe, you are buying the Service for yourself, and you are the person we charge. The payment method on file is yours, the notices we are required to send about your subscription go to you, and the consent you give at checkout is your own. A household does not subscribe and is not charged. As Section 2.3 states, a household is a feature of the Service and not a party to these Terms.

What your subscription covers. Your subscription covers one household, which describes who may access your financial data in the Service, up to the household member limit (currently five). The people you invite are members of that household and pay nothing. Their access depends on your subscription remaining active.

Each member is bound individually. Every person you invite accepts these Terms in their own right before using the Service. They do not become parties to your subscription, and they owe us nothing under it.

Your responsibility for the people you invite. By inviting someone to your household, you represent that you are entitled to invite that person and to give them access to the financial data in that household, and that you have any consent required from other members to do so. You are responsible for the conduct of the people you invite while they use the Service through your household, and a violation of these Terms by a member you invited may result in the suspension or termination of their access, your access, or both, under Section 13.

If a member leaves. A member who leaves or is removed keeps no access and takes no data with them. To keep using the Service, they need their own subscription, either by creating a household of their own or by joining another household whose subscriber is paying for it.

If you stop paying. If you cancel, delete your account, or leave the household, your subscription does not pass automatically to anyone else. For the household's access to continue, another member with the necessary role must take over the subscription and provide their own payment method through the billing settings. If no one does, the subscription lapses at the end of the period already paid for and Section 4.7 applies.

How a subscription transfers. A subscription transfers only after the replacement subscriber affirmatively selects a plan, accepts the then-current billing terms, and authorizes their own payment method. The former subscriber's payment authorization ends when the transfer is completed. Household membership alone does not authorize billing.

More than one household. If you create or own more than one household, you need a separate subscription for each one, and we bill each separately. Joining someone else's household by invitation does not create a charge for you.

Who can manage billing. Only the subscriber and a household owner or administrator can start, change, or cancel a subscription covering that household.

4.4 Free Trial and Automatic Conversion to Paid

We may offer a free trial. The trial period is the exact period displayed at checkout, shown before you enter payment details. Statements on other pages do not alter the period confirmed at checkout.

Before you submit payment information, we will clearly display the trial length, the trial expiration date, the plan, the amount and date of the first charge, the renewal frequency, the renewal price, and the cancellation method. You must affirmatively authorize these terms. Promptly after enrollment, we will email you a confirmation that can be retained and includes the same information and a direct cancellation link.

We may offer longer promotional trials during an initial rollout period or at other times. Promotional trials are offered at our discretion, and we may change or end them at any time. We will not shorten an active trial: whatever period you were shown at checkout is the period you get.

The following apply to every trial:

• We collect your payment method when the trial begins. You are not charged during the trial.
• The trial converts to a paid subscription automatically. When the trial ends, we charge your payment method for the plan you selected and your subscription begins, unless you cancel before the trial ends.
• One trial per customer. Trial eligibility is determined by your email address. If you previously subscribed using that email address, including through a household you have since deleted, you do not receive another trial, and your subscription is charged from the start.
• We send a reminder before the first charge. We will send any reminder required by applicable law and, in all cases, intend to send a reminder stating the charge date, the amount, and the cancellation method, emailed to the address on file. The notices we send about a subscription go to the subscriber, who is the person we charge, and not to the other members of the household.

4.5 Authorization to Charge

By subscribing, you authorize us, through our payment processor, to charge the payment method you provide for:

• The plan you selected, at the price shown at checkout, when your trial ends or, if you have no trial, when you subscribe
• The then-current price of your plan at each automatic renewal
• Any taxes we are required to collect
• Any amount owed as a result of a plan change you make

You represent that you are authorized to use the payment method you provide, and you agree to keep it current.

4.6 Automatic Renewal

Your subscription renews automatically until you cancel. A monthly plan renews every month and an annual plan renews every year, and each renewal charges the payment method on file. To avoid being charged for the next period, cancel before the renewal date.

4.7 Cancellation

You may cancel online at any time through the billing portal in Settings, which is operated by our payment processor, using a process no more difficult than enrollment.

Cancellation ordinarily takes effect at the end of the period you have already paid for. Until then your access is unchanged. After that:

• You and the other members of your household lose access to the paid features of the Service
• Connections to your financial institutions are suspended and we stop retrieving new data from them
• Your data is retained under our Data Retention Policy. Cancelling does not delete your account or your data
• If you subscribe again later, your financial institution connections are reactivated and your data is still there

Cancelling a subscription is not the same as deleting your account. Account deletion is covered in Section 13 (Termination).

4.8 Refunds

Except where required by law, payments are non-refundable. You may cancel at any time and keep access through the end of the period you have already paid for. We do not provide refunds or credits for partial periods, for periods in which you did not use the Service, or for a renewal you intended to cancel and did not.

We will issue any refund required for an unauthorized or erroneous charge, a statutory cancellation right, a qualifying price increase under Section 4.9, or our termination of the Service during a prepaid period without your breach.

Nothing in this section limits any right you have under applicable law.

4.9 Changes to Prices

We may change a subscription price prospectively. We will provide at least 30 days' advance notice, or any longer period required by law, stating the new price, the effective renewal date, and the cancellation method. The new price applies at your next renewal after the notice period. A price change never applies to a period you have already paid for. If you do not want to pay the new price, cancel before that renewal.

Where applicable law requires your affirmative consent, we will not charge the increased price without that consent. Where applicable law permits a post-charge cancellation and refund alternative, we will provide the required cancellation period and a prorated refund. If you do not consent to a new price, we are not obliged to keep providing the Service to you at the old price, and we may decline to renew your subscription under Section 13.3. Any such decision takes effect at the end of the period you have already paid for.

4.10 Taxes

Prices do not include sales, use, or similar taxes. Where we are required to collect tax on your subscription, that tax is added to the amount charged and is shown at checkout and on your invoice. You are responsible for any other taxes arising from your use of the Service.

4.11 Failed Payments

If a charge fails, our payment processor retries it over a period of several days, and we email you so the payment method can be updated. Your access continues during that retry period. If the payment has still not been received when the retries are exhausted, the subscription is cancelled and Section 4.7 applies. You can restore access at any time by subscribing again, and another member with the necessary role can instead take over the subscription as described in Section 4.3.

4.12 Payment Processing

Payments are processed by Stripe, Inc. You provide your card details directly to Stripe, and Stripe handles them under its own terms and privacy policy. We do not receive or store your full card number. From Stripe we receive only what we need to operate your subscription, including which plan you are on, its status and renewal dates, and your invoice history.

5. Acceptable Use

5.1 Permitted Use

You may use the Service only for:

• Personal, non-commercial financial management
• Lawful purposes consistent with these Terms
• Purposes for which the Service is intended

5.2 Prohibited Conduct

You agree NOT to:

Security Violations:

• Attempt to gain unauthorized access to the Service or other users' accounts
• Circumvent, disable, or interfere with security features
• Use automated tools to access the Service without permission (scraping, bots)
• Reverse engineer, decompile, or disassemble the Service
• Probe, scan, or test the vulnerability of the Service

Harmful Activities:

• Upload viruses, malware, or other harmful code
• Interfere with or disrupt the Service or connected networks
• Overload infrastructure through excessive requests
• Engage in denial-of-service attacks

Misuse:

• Use the Service for any illegal purpose
• Impersonate another person or entity
• Provide false or misleading information
• Use the Service to harass, abuse, or harm others
• Resell, sublicense, or commercially exploit the Service
• Use the Service to compete with us

Content Violations:

• Upload content that infringes intellectual property rights
• Upload content that is defamatory, obscene, or offensive
• Upload content that violates any law or regulation

5.3 Enforcement

We reserve the right to:

• Investigate suspected violations
• Remove content that violates these Terms
• Suspend or terminate accounts for violations
• Report illegal activity to law enforcement
• Take legal action for serious violations

6. Third-Party Services

6.1 Plaid

We use Plaid Inc. ("Plaid") to connect your bank accounts. When you use Plaid:

• You are subject to Plaid's Terms of Service
• You authorize Plaid to access your financial institution on your behalf
• You authorize Plaid to transmit your financial data to us
• You acknowledge that Plaid handles your bank credentials directly

6.2 AWS (Amazon Web Services)

We use AWS for hosting and infrastructure. Your use of the Service is subject to AWS's acceptable use policies to the extent applicable.

6.3 Google Calendar (Optional)

If you connect Google Calendar:

• You are subject to Google's Terms of Service
• You authorize us to create calendar events on your behalf
• You can disconnect Google Calendar at any time

6.4 Third-Party Links

The Service may contain links to third-party websites or services. We are not responsible for:

• The content, accuracy, or practices of third-party sites
• Any loss or damage from your use of third-party sites
• The privacy practices of third-party sites

7. Intellectual Property

7.1 Our Ownership

The Service, including all content, features, functionality, software, text, graphics, logos, and trademarks, is owned by Unspending Spree and protected by intellectual property laws.

You may not:

• Copy, modify, or distribute our intellectual property
• Use our trademarks without permission
• Create derivative works based on the Service
• Remove copyright or proprietary notices

7.2 License to Use

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for personal, non-commercial purposes.

This license does not include:

• Commercial use of the Service
• Resale or redistribution of the Service
• Collection or use of product listings or descriptions
• Any use of data mining, robots, or similar tools

7.3 Feedback

If you provide feedback, suggestions, or ideas about the Service, you grant us a perpetual, irrevocable, royalty-free license to use, modify, and incorporate such feedback without compensation or attribution.

8. User Content

8.1 Your Content

You retain ownership of content you upload to the Service, including:

• Financial statements and documents
• Transaction notes and categories
• Custom names and labels

8.2 License Grant

By uploading content, you grant us a non-exclusive, worldwide, royalty-free license to use, process, store, and display your content solely for the purpose of providing the Service.

8.3 Content Responsibility

You are solely responsible for:

• The accuracy of content you upload
• Ensuring you have the right to upload the content
• Any consequences of uploading inaccurate or inappropriate content

8.4 Content Removal

We may remove content that:

• Violates these Terms
• Violates applicable law
• Is reported as infringing intellectual property
• Poses security or privacy risks

9. Privacy

Our Privacy Policy describes our collection, use, disclosure, and retention of personal information. Acceptance of these Terms acknowledges receipt of the Privacy Policy but does not constitute consent where applicable law requires a separate affirmative choice.

10. Disclaimers

10.1 Service Provided "As Is"

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• IMPLIED WARRANTIES OF MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT
• ACCURACY OR COMPLETENESS OF INFORMATION
• UNINTERRUPTED OR ERROR-FREE OPERATION

10.2 No Financial Advice

THE SERVICE DOES NOT PROVIDE FINANCIAL, INVESTMENT, TAX, OR LEGAL ADVICE. The Service provides calculations, classifications, observations, and user-selected scenarios. It does not recommend or direct a particular financial transaction, investment, debt payment, tax position, or legal action. References to potential savings or payoff outcomes are estimates based on user-provided data and assumptions, not individualized professional advice.

You should consult qualified professionals before making financial decisions. We are not responsible for decisions you make based on information from the Service.

10.3 AI Features

The Service includes features that use artificial intelligence: statement extraction, transaction categorization, the weekly check-in, and Deep Review. Statement extraction and transaction categorization run inside the import pipeline and you do not interact with them directly.

These features review how you have set up and used the Service. They surface things like transactions that appear to be categorized incorrectly, income that is not linked to a source, recurring charges we may have detected wrongly, and gaps in what you have entered. They produce calculations, classifications, and observations about your own data. They do not evaluate your financial decisions, they do not recommend or direct a particular financial transaction, investment, debt payment, tax position, or legal action, and they do not tell you what to do with your money.

AI output can be incomplete or wrong. Treat it as a prompt to check something in your own records, not as a conclusion. Section 10.2 applies to AI output in full.

10.4 Data Accuracy

We do not guarantee the accuracy, completeness, or timeliness of:

• Data imported from financial institutions
• Data extracted from uploaded documents
• Calculations, projections, or analyses
• Recurring charge detection
• Category assignments

You are responsible for verifying the accuracy of your financial data.

10.5 Third-Party Services

We do not control and are not responsible for:

• The availability of third-party services (Plaid, banks)
• The accuracy of data from third-party services
• Changes to third-party services that affect the Service

10.6 Security

While we implement reasonable security measures, we cannot guarantee that:

• The Service will be secure or free from vulnerabilities
• Your data will never be accessed by unauthorized parties
• Security breaches will never occur

11. Limitation of Liability

11.1 Exclusion of Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL THIRD RALPH, LLC (DBA UNSPENDING SPREE), ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR:

• INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
• LOSS OF PROFITS, DATA, USE, OR GOODWILL
• DAMAGES RESULTING FROM UNAUTHORIZED ACCESS TO YOUR ACCOUNT
• DAMAGES RESULTING FROM ERRORS IN FINANCIAL DATA
• DAMAGES RESULTING FROM SERVICE INTERRUPTIONS
• DAMAGES ARISING FROM YOUR USE OF THIRD-PARTY SERVICES

11.2 Cap on Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF:

• THE SUBSCRIPTION FEES YOU PAID US UNDER SECTION 4 IN THE 12 MONTHS PRECEDING THE CLAIM, OR
• ONE HUNDRED DOLLARS ($100)

11.3 Basis of the Bargain

THE LIMITATIONS IN THIS SECTION REFLECT A REASONABLE ALLOCATION OF RISK AND ARE A FUNDAMENTAL BASIS OF THE AGREEMENT BETWEEN US. THE SERVICE WOULD NOT BE PROVIDED WITHOUT THESE LIMITATIONS.

11.4 Jurisdictional Limitations

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

12. Indemnification

You agree to indemnify, defend, and hold harmless Third Ralph, LLC (dba Unspending Spree) and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Your violation of any applicable law
• Content you upload to the Service
• Your negligence or willful misconduct

13. Termination

13.1 Termination by You

You may terminate your account at any time by:

• Using the account deletion feature in Settings
• Contacting us at support@unspendingspree.com

Deleting your account does not by itself cancel a paid subscription. If you are the subscriber, cancel your subscription as described in Section 4.7, and note that the other members of your household lose access unless one of them takes over the subscription as described in Section 4.3. Terminating your account does not entitle you to a refund of fees already paid, except as stated in Section 4.8 or as required by law.

Upon termination:

• Your access to the Service will be revoked
• Your data will be deleted per our Data Retention Policy
• Any outstanding obligations under these Terms survive

13.2 Termination by Us

We may suspend or terminate your account at any time for:

• Violation of these Terms
• Suspected fraudulent or illegal activity
• Extended periods of inactivity
• Request by law enforcement
• Discontinuation of the Service

We will provide notice when reasonably possible, except where prohibited by law or where immediate action is necessary.

13.3 Termination for Non-Renewal

We may terminate your subscription, or decline to renew it, on notice to you and for any reason, including your not agreeing to a new price under Section 4.9. Termination or non-renewal under this section takes effect at the end of the period you have already paid for and never during it. We will not stop your access mid-term under this section, and we will not charge you for a period after the one that has been paid for.

This section is our right to stop selling the Service to a particular customer. It is separate from Section 13.2, which covers suspension or termination for violations and other cause, and it does not limit any right you have under applicable law.

13.4 Effect of Termination

Upon termination:

• Your license to use the Service ends immediately
• You must cease all use of the Service
• We may delete your data per our retention policy
• Provisions that should survive termination will survive (indemnification, limitation of liability, dispute resolution)

14. Dispute Resolution

14.1 Informal Resolution

Before initiating formal dispute resolution, you agree to contact us at legal@unspendingspree.com to attempt informal resolution. We will attempt to resolve disputes within 30 days.

14.2 Small Claims and Binding Arbitration

Either party may bring an eligible claim in small-claims court. All other disputes arising from these Terms or the Service will be resolved by individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules.

Arbitration Terms:

• Arbitration will be conducted in English
• A consumer may choose a remote hearing (telephone or video) or a hearing reasonably near their residence
• We will pay arbitration fees to the extent required by the AAA Consumer Arbitration Rules
• The arbitrator's decision is final and binding
• Judgment may be entered in any court of competent jurisdiction

14.3 Class Action Waiver

YOU AGREE THAT ANY DISPUTE RESOLUTION WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION.

You waive any right to participate in class actions, class arbitrations, or representative actions.

14.4 Mass Arbitration

If 25 or more demands for arbitration are filed against us raising similar claims with the assistance or coordination of the same counsel or organization, the parties agree that the demands will proceed in staged sets: the AAA will administer an initial set of up to 10 individual arbitrations, after which the parties will engage in good-faith global settlement discussions informed by those results before further sets proceed. Applicable statutes of limitation are tolled for demands on file from the date of filing until the demand proceeds or is resolved under this subsection.

14.5 Exceptions

The following are not subject to arbitration:

• Claims for injunctive relief to stop unauthorized use
• Claims that may be brought in small claims court
• Intellectual property disputes

14.6 Opt-Out

You may opt out of this arbitration agreement by emailing legal@unspendingspree.com within 30 days after first accepting this arbitration agreement. The notice must identify your account and state your intent to opt out; no street address is required. Opting out of arbitration does not affect any other part of these Terms.

14.7 Severability of This Section

If any part of this Section 14 other than the class action waiver in Section 14.3 is found unenforceable, the remainder of this Section remains in effect. If the class action waiver is found unenforceable as to a particular claim, then that claim, and only that claim, must proceed in court rather than in arbitration, and this Section continues to apply to all other claims.

15. General Provisions

15.1 Governing Law

These Terms are governed by the laws of the State of Texas, without regard to conflict of law principles, except to the extent the consumer-protection law of your state of residence cannot lawfully be waived.

15.2 Entire Agreement

These Terms, together with the Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and Third Ralph, LLC (dba Unspending Spree) regarding the Service.

15.3 Severability

If any provision of these Terms is found unenforceable, the remaining provisions will continue in effect, and the unenforceable provision will be modified to the minimum extent necessary.

15.4 Waiver

Our failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision.

15.5 Assignment

You may not assign or transfer these Terms or your rights under them without our consent. We may assign these Terms without restriction.

15.6 Notices

We may provide notices to you via:

• Email to the address associated with your account
• Posting on the Service
• Other reasonable means

You may provide notices to us at legal@unspendingspree.com.

15.7 Force Majeure

We are not liable for failure to perform due to causes beyond our reasonable control, including natural disasters, war, terrorism, labor disputes, government actions, or internet/power outages.

15.8 Headings

Section headings are for convenience only and do not affect interpretation.

15.9 Relationship

These Terms do not create any agency, partnership, joint venture, or employment relationship between you and Third Ralph, LLC (dba Unspending Spree).

16. Contact Us

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

Email: legal@unspendingspree.com

Mail: Third Ralph, LLC dba Unspending Spree 5900 Balcones Drive #8371, Austin, TX 78731, US

Summary of Key Terms

By creating an account, you acknowledge that you have read, understood, and agree to be bound by these Terms of Use.

Document Control:

• Document ID: TOU-001
• Version: 2.0 (reviewed by outside counsel August 28, 2026)
• Classification: Public
• Legal Entity: Third Ralph, LLC dba Unspending Spree
• Owner: Corey Suzanne Jackson, CEO
• Review Schedule: Annual or upon material changes