Terms of Service

1. Agreement to Terms

These Terms of Service (“Terms”) govern your access to and use of the Moneyta platform (“Service”), operated by Dataexpansed LLC (“Company,” “we,” “us,” or “our”), a Delaware limited liability company. By creating an account or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

You must be at least 18 years old to use Moneyta. By creating an account, you represent and warrant that you are 18 or older.

2. Description of Service

Moneyta is a portfolio analytics platform that provides health scoring, diversification analysis, AI-powered observations, real-time alerts, and a stock idea evaluator. The Service is designed to help individual investors understand their portfolio composition and risk characteristics.

4. Account Registration

To use the Service, you must create an account through our authentication provider (Clerk). You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. You agree to provide accurate, current, and complete information and to notify us immediately of any unauthorized access or use.

5. Subscription Plans & Billing

Moneyta offers paid subscription plans (Bronze, Silver, and Gold) billed monthly or annually. All payments are processed by Stripe. By subscribing, you authorize us to charge your payment method at the applicable rate.

Pricing. Current pricing is available at moneyta.app/pricing. We reserve the right to change pricing with 30 days’ notice to existing subscribers.

Automatic renewal. Subscriptions automatically renew at the end of each billing period (monthly or annually) unless you cancel before the renewal date.

Upgrades & downgrades. You may change your plan at any time from your Account page. Upgrades take effect immediately with prorated billing. Downgrades take effect at the end of the current billing period.

7-day free trial. New subscriptions begin with a 7-day free trial. You provide a payment method when you subscribe, but you are not charged until the trial ends. If you cancel before the trial ends — from your Account page or by contacting us at support@moneyta.app — you will not be charged. Trial length may differ for beta members redeeming an invite code.

Cancellation. You may cancel your subscription at any time. Upon cancellation, you will retain access to your plan features until the end of the current billing period. After that, your account reverts to an unpaid state and feature access is restricted. Your account data is then retained for 30 days — during which you may resubscribe to restore access to it — after which it is permanently deleted.

6. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of any applicable law or regulation
• Attempt to gain unauthorized access to any part of the Service, other accounts, or systems connected to the Service
• Reverse engineer, decompile, or disassemble any part of the Service
• Use automated scripts, bots, or scraping tools to access the Service without our prior written consent
• Resell, redistribute, or sublicense access to the Service unless on an Enterprise plan with a separate agreement
• Interfere with or disrupt the integrity or performance of the Service
• Upload malicious content, including viruses, malware, or harmful code
• Misrepresent Moneyta’s outputs as professional financial advice to third parties

7. Intellectual Property

The Service, including its design, software, algorithms, scoring methodology, text, graphics, logos, and all other content, is the property of Dataexpansed LLC and is protected by copyright, trademark, and other intellectual property laws.

Your data. You retain all ownership rights to the portfolio data you provide to the Service. By using the Service, you grant us a limited, non-exclusive license to process your data solely for the purpose of providing the Service to you. We do not claim ownership of your portfolio holdings, positions, or any other data you submit.

AI-generated content. Health scores, observations, verdicts, and other AI-generated outputs are produced by the Service for your personal use. You may share these outputs (e.g., via social sharing features) but may not represent them as professional financial advice.

8. Data & Privacy

Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your information. By using the Service, you consent to the practices described in the Privacy Policy.

No sale of your data. We do not sell your personal information, and we do not share it with third parties for advertising or cross-context behavioral profiling. The only third parties that process your data are the service providers required to operate the platform (auth, payments, transactional email, market data), each of which is named in the Privacy Policy.

Vault encryption. Items you store in your Moneyta Vault (jewelry, watches, precious metals, gemstones) are encrypted with a key derived from a PIN that you choose and that we never store. The decryption key exists only inside your unlocked browser session. As a result, Moneyta cannot read your Vault contents while the Vault is locked. If you forget your PIN, the only recovery path is the recovery code generated when you set up your Vault — there is no backdoor, including for Moneyta support staff.

AI data processing. Portfolio data is sent to our AI provider (OpenAI) to generate observations and analyses. This data is not used to train AI models and is retained by the AI provider for up to 30 days for safety monitoring before permanent deletion. We scrub personally identifiable information (PII) before sending data to external AI services. Vault contents are never sent to AI providers — Vault decryption is browser-side only.

9. Account Deletion

You may delete your account at any time from the Account settings page. Account deletion is a two-step process: (1) a soft delete with a 30-day grace period during which you can reactivate by signing in, and (2) permanent deletion of all your data after 30 days, including portfolios, analyses, alerts, and any associated records.

Upon permanent deletion, any active Stripe subscription will be canceled and your authentication account will be removed. Encrypted data becomes unrecoverable after deletion.

10. Data Portability

You have the right to export your data at any time. The Service provides a data export feature that compiles all your information — including portfolios, positions, analyses, alerts, and activity logs — into a downloadable format. Export requests are limited to one per 24-hour period.

11. Service Availability & Modifications

We strive to maintain 99.9% uptime but do not guarantee uninterrupted access. The Service may be temporarily unavailable due to maintenance, updates, or circumstances beyond our control.

We reserve the right to modify, suspend, or discontinue any part of the Service at any time. If we make material changes that adversely affect your use, we will provide reasonable notice via email or in-app notification.

12. Limitation of Liability

To the maximum extent permitted by applicable law, Dataexpansed LLC and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages — including but not limited to loss of profits, loss of data, loss of investment returns, or financial losses — arising out of or related to your use of or inability to use the Service.

Our total aggregate liability for any claims arising from or related to the Service shall not exceed the amount you paid to us in the twelve (12) months preceding the claim.

You acknowledge that: (a) health scores and observations are algorithmic outputs that may not reflect actual portfolio risk; (b) market data may be delayed or inaccurate; (c) AI-generated content may contain errors; and (d) past analysis does not predict future results. You assume all risk associated with acting on information provided by the Service.

13. Disclaimer of Warranties

The Service is provided “as is” and “as available” without warranties of any kind, whether express, implied, or statutory. We disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement.

We do not warrant that: (a) the Service will meet your specific requirements; (b) the Service will be uninterrupted, timely, secure, or error-free; (c) the results obtained from the Service will be accurate or reliable; or (d) any errors in the Service will be corrected.

14. Indemnification

You agree to indemnify, defend, and hold harmless Dataexpansed LLC and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Service; (b) your violation of these Terms; (c) your violation of any third party’s rights; or (d) investment decisions you make based on information from the Service.

15. Governing Law & Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of Delaware, without regard to its conflict-of-law provisions.

Any dispute arising from these Terms or the Service shall first be addressed through good-faith negotiation. If the dispute cannot be resolved within 30 days, either party may pursue binding arbitration in accordance with the rules of the American Arbitration Association (AAA), conducted in the English language. The arbitration shall take place in Delaware or remotely at the mutual agreement of the parties.

You agree that any dispute resolution proceedings will be conducted on an individual basis and not in a class, consolidated, or representative action.

16. Changes to These Terms

We may update these Terms from time to time. When we make material changes, we will notify you via email or a prominent notice within the Service at least 14 days before the changes take effect. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms.

17. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect.

18. Contact Us

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

Dataexpansed LLC
Email: legal@moneyta.app
General inquiries: support@moneyta.app