TERMS AND CONDITIONS OF USE

Last Updated: February 8, 2026

IMPORTANT NOTICE: THIS AGREEMENT IS SUBJECT TO BINDING ARBITRATION AND A WAIVER OF CLASS ACTION RIGHTS AS DETAILED IN SECTION 15.

1. Acceptance of Terms

By downloading, installing, accessing, or using the "Mint" mobile application (the "App"), you ("User", "you", or "your") agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, do not use the App.

These Terms constitute a binding legal agreement between you and the developer of the App ("Service Provider", "we", "us", or "our"). This agreement is concluded between you and the Service Provider only, and not with Apple Inc., Google LLC, or any other third-party platform provider.

2. Eligibility

By using the App, you represent and warrant that:

• You are at least 18 years of age or the age of majority in your jurisdiction.

• You have the legal capacity to enter into a binding contract.

• Your use of the App will not violate any applicable law or regulation.

3. License and Restrictions

3.1. License Grant

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use the App for your personal, non-commercial use on any device that you own or control.

3.2. Prohibited Conduct

You agree not to:

• Use the App for any illegal purpose, including but not limited to money laundering, tax evasion, or fraud.

• Reverse engineer, decompile, disassemble, or attempt to derive the source code of the App.

• Use any automated means (bots, scrapers) to access the App.

• Circumvent any security features of the App.

• Input malicious code or "prompt injections" designed to manipulate the App's AI features.

4. Nature of Service and Financial Disclaimer

THE APP IS FOR INFORMATIONAL PURPOSES ONLY.

4.1. Not Professional Advice

The App does not provide legal, tax, financial, or accounting advice. You should consult with a qualified professional before making any financial decisions. We are not a financial institution, investment advisor, or tax planner.

4.2. Accuracy of Data

• Manual Input: You are solely responsible for the accuracy of data you manually enter.

• Calculations: While we strive for accuracy, the App's budget tracking, balance calculations, and forecasts may contain errors due to software bugs, rounding differences, or incomplete data.

• Exchange Rates: Currency conversion rates are provided by third-party APIs (e.g., via CDN) and are for estimation only. Real-time rates may vary significantly from what is displayed. We do not guarantee the accuracy or timeliness of exchange rates.

5. AI, Machine Learning, and Automated Features

The App integrates advanced AI features, including Google's Gemini API and Apple Intelligence.

5.1. No Guarantee of AI Accuracy ("Hallucinations")

Generative AI systems can produce "hallucinations"—confidently stated but factually incorrect information. The App's AI features may:

• Misinterpret numbers in screenshots or voice commands (e.g., transcribing "$5.00" as "$500.00").

• Misclassify transactions.

• Provide incorrect financial summaries or "Insights."
  You must verify all AI-generated entries against your actual financial records.

5.2. Data Transmission

By using features like "AI Summary," "Voice Dictation," or "Smart Import," you acknowledge and consent that necessary text and data may be transmitted to third-party providers (such as Google LLC for Gemini models) for processing.

5.3. Voice Dictation

Voice-to-text functionality relies on on-device transcription and potentially cloud-based processing. Background noise or accents may affect accuracy. You bear full responsibility for correcting any transcription errors before saving transactions.

6. Data Ownership, Privacy, and Local Storage

6.1. Your Data

You retain all ownership rights to the financial data you input into the App.

6.2. Local-First Architecture (Data Loss Risk)

The App is designed with a "Local-First" architecture. Your data is stored primarily on your device.

• No Cloud Backup by Default: Unless you explicitly enable system-level backups (e.g., iCloud Device Backup), DELETING THE APP MAY PERMANENTLY ERASE YOUR DATA.

• We do not maintain a central server copy of your private financial ledgers. We cannot recover your data if your device is lost, stolen, or damaged.

6.3. Biometric Security

If you use FaceID or TouchID to lock the App, you acknowledge that the App relies on the operating system's authentication framework. We do not store or have access to your biometric data.

7. Third-Party Services and Links

The App may utilize third-party services (e.g. exchange rate APIs). We assume no responsibility for the content, privacy policies, or practices of any third-party services.

8. Updates and Modifications

We reserve the right to modify or discontinue the App at any time without notice. We are not liable to you or any third party for any modification, suspension, or discontinuance of the App.

9. DISCLAIMER OF WARRANTIES

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITH ALL FAULTS. WE DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING:

• WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

• WARRANTIES THAT THE APP WILL BE FREE FROM DEFECTS, VIRUSES, OR ERRORS.

• WARRANTIES REGARDING THE ACCURACY OF ANY BUDGETS, INSIGHTS, OR FINANCIAL CALCULATIONS.

10. LIMITATION OF LIABILITY

TO THE EXTENT NOT PROHIBITED BY LAW, IN NO EVENT SHALL THE SERVICE PROVIDER BE LIABLE FOR PERSONAL INJURY OR ANY INCIDENTAL, SPECIAL, INDIRECT, OR CONSEQUENTIAL DAMAGES WHATSOEVER, INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, LOSS OF DATA, BUSINESS INTERRUPTION, OR ANY OTHER COMMERCIAL DAMAGES OR LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE APP, HOWEVER CAUSED, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, OR OTHERWISE), EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

SPECIFICALLY, WE ARE NOT LIABLE FOR:

• OVERDRAFT FEES OR FINANCIAL PENALTIES INCURRED DUE TO RELIANCE ON THE APP.

• TAX PENALTIES RESULTING FROM INACCURATE RECORD KEEPING.

• DATA LOSS DUE TO DEVICE FAILURE OR APP UPDATES.

In no event shall our total liability to you for all damages exceed the amount of zero dollars ($0.00).

11. Indemnification

You agree to indemnify, defend, and hold harmless the Service Provider and its affiliates from any claims, losses, liabilities, damages, costs, or expenses (including attorney's fees) arising out of your conflicting use of the App, your violation of these Terms, or your violation of any rights of a third party.

12. Apple-Specific Terms (iOS Users)

If you downloaded the App from the Apple App Store:

• Third-Party Beneficiary: Apple and its subsidiaries are third-party beneficiaries of these Terms and will have the right to enforce them against you.

13. Export Compliance

You represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.

14. Force Majeure

We shall not be liable for any failure to perform our obligations where such failure results from any cause beyond our reasonable control, including, without limitation, mechanical, electronic, or communications failure or degradation (including "line-noise" interference).

15. Dispute Resolution; Binding Arbitration; Class Action Waiver

15.1. Binding Arbitration

Any dispute, controversy, or claim arising out of or relating to these Terms or the App, including the formation, interpretation, breach, or termination thereof, shall be settled by binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Consumer Arbitration Rules.

15.2. Class Action Waiver

YOU AND THE SERVICE PROVIDER AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

15.3. Opt-Out

You may opt out of this agreement to arbitrate by providing written notice to us within 30 days of first accepting these Terms.

16. Governing Law

These Terms shall be governed by the laws of your jurisdiction, excluding its conflicts of law rules.

17. Severability and Waiver

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

18. Entire Agreement

These Terms constitute the entire agreement between us regarding our Service and supersede and replace any prior agreements we might have had between us regarding the Service.

CONTACT US
If you have any questions about these Terms, please contact us at: hello@swapnilbapat.design