Terms of Service

1. Acceptance of Terms

Welcome to LootSaver, operated by LootSaver LLC (“Company,” “we,” “us,” or “our”), a Louisiana limited liability company.

By accessing or using the LootSaver mobile application, website, or related services (collectively, the “Service”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree, you may not use the Service.

You represent that you:

• Are at least 18 years old
• Have the legal capacity to enter into this agreement

2. Description of the Service

The Service is a personal financial insight and planning tool that:

• Aggregates data from connected accounts
• Displays financial information
• Generates projections, timelines, stress signals, and automated insights
• Provides general financial awareness and guidance

The Service does not:

• Execute payments or transfers
• Manage accounts on your behalf
• Provide banking, brokerage, or custodial services
• Act as a fiduciary or advisor

3. No Financial, Investment, Tax, or Legal Advice – Informational Purposes Only

The Service, including all AI-generated outputs, projections, Focus items, timeline events, stress signals, recommendations, and coaching messages, is provided for informational and educational purposes only.

We are not a bank, broker, investment advisor, tax advisor, accountant, attorney, or fiduciary. We do not provide personalized financial, investment, tax, accounting, or legal advice.

Nothing in the Service constitutes a recommendation to take (or not take) any specific financial action.

All outputs are probabilistic estimates based on limited, third-party data and automated models. They may be inaccurate, incomplete, outdated, or wrong. Projections are not guarantees of future results.

You alone are solely responsible for:

• Evaluating all information and outputs
• Verifying the accuracy of any data
• Making all financial decisions
• Paying your bills, debts, and obligations on time
• Consulting qualified professionals before acting

You agree that you will independently verify all financial information and obligations using your financial institution or official records before taking or refraining from any action.

We are not liable for any financial loss, missed payments, late fees, penalties, overdrafts, credit damage, or other consequences resulting from your use of or reliance on the Service.

4. User Responsibility for Financial Obligations

You acknowledge and agree:

• The Service may not detect every obligation, transaction, or due date
• The Service does not guarantee detection of all bills, subscriptions, recurring charges, or financial obligations
• Data may be incomplete or inaccurate

You agree not to rely exclusively on the Service to:

• Track obligations
• Manage financial commitments
• Determine whether payments are due

You are solely responsible for verifying and fulfilling all financial commitments. Failure to do so may result in fees, penalties, or losses for which you bear full responsibility.

5. Data Accuracy, Completeness, and Timeliness

The Service relies on data from third parties (including Plaid and financial institutions) and automated systems.

You acknowledge that:

• Data may be delayed, incomplete, inaccurate, or missing
• Data synchronization failures may occur
• Information is presented as a point-in-time approximation

We make no warranties regarding:

• accuracy
• completeness
• timeliness
• reliability

6. Third-Party Services

The Service integrates with third-party providers, including financial institutions, Plaid, and infrastructure providers such as Amazon Web Services.

We do not control these services and are not responsible for:

• their availability, performance, or security
• the accuracy or completeness of their data
• failures, outages, or delays

We do not control financial institutions or their systems. We are not responsible for:

• data availability or accuracy provided by institutions
• delays, outages, or system errors
• missing, duplicate, or miscategorized transactions

Your use of third-party services is subject to their own terms.

7. Account Security

You are responsible for:

• maintaining the confidentiality of your credentials
• securing your device and access
• all activity under your account

You must notify us immediately of unauthorized use.

8. Acceptable Use

You agree not to:

• misuse or exploit the Service
• reverse engineer or attempt to extract source code
• interfere with system integrity or security
• use the Service for unlawful or fraudulent purposes

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, LootSaver LLC, its owners, officers, employees, and agents shall not be liable for any damages, including:

• financial losses, lost profits, or opportunity costs
• missed or late payments, fees, penalties, interest charges, or overdrafts
• errors or inaccuracies in data or recommendations (including AI outputs)
• service interruptions or third-party failures

arising from:

• your use of or reliance on the Service
• incomplete or inaccurate data
• delays or outages
• automated insights or recommendations

This limitation applies regardless of the legal theory, including contract, tort (including negligence), strict liability, or otherwise.

10. Cap on Liability

To the maximum extent permitted by law:

(a) the amount you paid us in the 12 months prior to the claim, or (b) $100

• Our total aggregate liability shall not exceed the greater of:

• If you have not paid any fees (free tier), liability is limited to $100

Your sole and exclusive remedy for dissatisfaction with the Service is to stop using the Service.

11. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN “AS-IS” AND “AS-AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING:

• MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT

WE DO NOT WARRANT THAT:

• THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE
• ANY DATA OR OUTPUT WILL BE ACCURATE, COMPLETE, OR RELIABLE
• ANY DEFECTS WILL BE CORRECTED

12. Indemnification

You agree to indemnify, defend, and hold harmless LootSaver LLC from any claims, damages, losses, or expenses (including reasonable attorneys’ fees) arising from:

• your use of or reliance on the Service
• your financial decisions or failure to fulfill obligations
• your violation of these Terms

13. Termination

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

• violation of these Terms
• security concerns
• operational reasons

You may stop using the Service at any time.

Sections 3, 4, 5, 6, 9, 10, and 12 shall survive termination.

14. Changes to Terms

We may update these Terms periodically.

We will notify users of material changes via:

• in-app notice
• email

Continued use after updates constitutes acceptance.

15. Governing Law

These Terms are governed by the laws of the State of Louisiana and applicable U.S. federal law, without regard to conflict of laws principles.

16. Dispute Resolution

Any dispute arising out of or relating to these Terms or the Service shall be resolved through binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules.

You and we agree to:

• waive any right to a jury trial
• waive participation in class actions, class arbitrations, or representative proceedings

17. Force Majeure

We shall not be liable for any failure or delay resulting from causes beyond our reasonable control, including but not limited to:

• failures of internet services
• financial institution outages
• third-party provider failures
• natural disasters
• acts of government

18. Contact Information

LootSaver LLC 204 Hilton Head Dr Benton, LA 71006 anthony.hopkins@lootsaver.com