Terms of Service

Welcome to MoCo — Money with Confidence ("MoCo," "we," "us," or "our"). These Terms of Service (Terms) govern your use of the MoCo - Money with Confidence mobile application and services, operated by Financial Step Up, LLC. By accessing or using our mobile application and services, you agree to be bound by these Terms of Service.

1. Acceptance of Terms

By creating an account or using MoCo, you agree to these Terms of Service, our Privacy Policy, and our Subscription Terms & Conditions. If you do not agree, do not use our services.

2. Description of Service

MoCo is a personal financial coaching and literacy application that provides budgeting tools, expense tracking, credit score monitoring, goal setting, and AI-powered financial information and recommendations. MoCo is designed for educational and informational purposes only.

3. Not Financial Advice

4. User Accounts

You must provide accurate and complete information when creating an account. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. You must be at least 18 years of age to use MoCo.

5. Acceptable Use

You agree not to:

• Use MoCo for any unlawful purpose
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the service
• Share your account with others
• Use automated systems to access the service without permission

6. Intellectual Property

All content, features, and functionality of MoCo are owned by us and are protected by copyright, trademark, and other intellectual property laws. You may not copy, modify, distribute, or create derivative works without our written permission.

7. User Data

You retain ownership of the financial data you enter into MoCo. By using the service, you grant us a limited license to store, process, and display your data solely for the purpose of providing the service to you.

Please note that some information may be retained for a limited period as required by law or for legitimate business purposes (such as fraud prevention, legal compliance, or resolving disputes). This retained data will be securely deleted after the retention period expires.

8. Disclaimer of Warranties

MoCo is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that the service will be uninterrupted, error-free, or secure.

9. Limitation of Liability

To the maximum extent permitted by law, Financial Step Up, LLC and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the service.

10. Indemnification

You agree to indemnify and hold harmless Financial Step Up, LLC from any claims, damages, or expenses arising from your use of MoCo: Money with Confidence or violations of these Terms.

11. Modifications to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes through the app or via email. Your continued use of MoCo after changes constitutes acceptance of the updated Terms.

12. Subscription and Payments

Some features of MoCo require a paid subscription. By subscribing, you agree to:

• Pay all fees associated with your subscription
• Automatic renewal unless you cancel before the renewal date
• Our refund policy as outlined in the app

You may cancel your subscription at any time. Cancellation will take effect at the end of your current billing period. You will continue to have access to your plan features until the end of the period you have already paid for. No partial refunds will be issued for unused portions of a billing period.

Subscription fees are non-refundable except as required by law or as specified in our refund policy.

We reserve the right to change subscription prices. Your continued subscription after a price change constitutes acceptance of the new price.

13. Termination (ability to cancel subscription)

We may suspend or terminate your account at any time for violation of these Terms. You may close your account at any time through the app settings or by contacting support@trymoco.com.

14. Account Deletion & Data Removal

You have the right to delete your account and request removal of your personal data at anytime. Here's how:

How to Delete Your Account (In-App)

1. Step 1: Open the MoCo app and log in to your account
2. Step 2: Tap on the Profile icon
3. Step 3: Tap "Delete Account"

Alternative: Request Deletion via Email

Contact us at support@trymoco.com to request deletion via email with the subject line "Account Deletion Request."

Include:

• The email associated with your account
• Name as it appears on your profile
• Statement requesting to delete the account and data

What Happens When You Delete Your Account

• Your profile and all associated personal information will be permanently deleted
• Active subscription will be canceled (you may need to also cancel through the App Store)

15. Free Lifetime Access

For individuals who joined the waitlist prior to the launch date of February 16, 2026, free lifetime access was granted for the Plus tier.

• Free Lifetime Access is a revocable license granted by Financial Step Up, LLC — not a vested right or property interest.
• "Lifetime" refers to the lifetime of the Service, as determined solely by Financial Step Up, LLC, not the lifetime of any individual user.
• No minimum availability is guaranteed — Financial Step Up, LLC makes no commitment that the Service will remain available for any specific period of time.
• Activation Requirement: Free lifetime access must be activated and used within 90 days of the launch date. Failure to activate or use the Service within this period will result in automatic termination of the free lifetime access offer, with no exceptions.
• By registering for a free lifetime access plan, you confirm that you have read, understood, and agree to these terms.

16. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the United States, without regard to conflict of law provisions.

17. Contact Information

For questions about these Terms, please contact us at support@trymoco.com.

18. Additional Rights

Residents of California may have additional rights under CCPA and other applicable regulations. Please contact us to learn more.