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End User License Agreement

Version 1.2 · Effective November 11, 2026 · This is the agreement presented in the app at first run.

1. Acceptance of This Agreement

This End User License Agreement ("Agreement") is a binding legal contract between you ("you" or "Licensee") and Dollar Vitals LLC ("Licensor," "we," "us," or "our") governing your use of the Dollar Vitals software application, including all files, documentation, updates, and components provided with it (the "Software").

By clicking "I Agree," installing, opening, or using the Software, you accept this Agreement in full and confirm that you have read and understood it. If you do not agree, do not install, open, or use the Software, and request a refund under the Refund Policy if you have purchased it.

You confirm that you are at least 18 years of age and have the legal capacity to enter into this Agreement.

We may revise this Agreement for future versions. Material changes are presented for acceptance before you continue using an updated version, and are never retroactive.

This Agreement covers the Software licensed directly from us, through dollarvitals.com. If we offer the Software through another store, such as Apple's Mac App Store, the terms for that version are published with it.

2. License Grant

Subject to your continuing compliance with this Agreement and payment of all applicable fees, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable license to install and use the Software, which lasts until it ends as Section 12 describes.

This license permits use by one person and their household, on computers that you or your household personally own or control, subject to the activation allowance below, for personal, non-commercial financial planning and record-keeping.

This is a license to use the Software. It is not a sale, and it conveys no ownership of any kind. All rights not expressly granted here are reserved. You may keep a reasonable number of copies for your own backup and archival purposes; every such copy remains subject to this Agreement.

Use by a business entity, or by a professional in the course of serving clients, requires a separate written commercial license.

Who sells, and who takes payment. You buy your license from us, Dollar Vitals LLC. Payment is processed by Sold through Link, LLC, a Stripe company ("Link"), as merchant of record: Link takes the payment, collects any sales tax, emails your receipt, and handles payment support and disputes. Link may also refund as the Refund Policy describes, and we process the refunds you ask us for. Your card statement shows a charge that begins "LINK.COM*". Link's own terms (link.com/terms) also apply to the payment. Link is not a party to this Agreement and grants no license; your license comes from us.

License keys and activation. Your purchase is delivered as a license key, by email. A purchase key unlocks the Software for sixty (60) days from purchase. Once the 14-day refund window in the Refund Policy has ended (from day 15, counting the day you buy as day 1), you may activate your license on each computer in your household, which gives that computer a permanent key: either by a single activation request sent from the Software or by entering a permanent key obtained from our website. A permanent key works only on the computer it was issued for. Activation is available for up to five (5) computers, plus two (2) more for each full year since purchase; contact us for more. Activating does not end Link's right to refund or reverse the payment (see Section 12). Keys are personal to you and your household and may not be shared, published, or transferred.

Review holds. We may pause activation for review if a key is used from more places than one household plausibly would. Contact support to lift the pause. We will answer within two (2) business days, and if we cannot resolve it, we will refund your purchase price in full.

Refunds and keys. A full refund at any time, whether we or Link grant it, ends the license and every key issued under it (see Section 12). A partial refund, or a refund of tax only, does not. If we ever discontinue the activation service, we will issue a permanent key to every license holder who has not yet activated, at no charge.

Trial. You may use the Software without a license key for seven (7) days. The trial starts on the first day you save a record of your own in it, such as an account or card, a debt or asset, a transaction or import, income, a bill, a goal or budget, an investment, an insurance policy, a credit score, or a receipt. Setting the Software up and exploring the sample household do not start it. We may issue a key that extends a trial. When the trial ends, the Software opens to one screen where you can buy a license, enter a key, or export a full backup and your transactions as a CSV file, at any time, with no key. Its other pages stay closed until a key is entered, and nothing you entered is deleted. If a purchase key expires before you activate, that screen also offers activation and the PDF report.

3. License Restrictions

You agree that you will not, and will not permit or assist any other person to:

Nothing in this Agreement limits your right to publish honest reviews, ratings, commentary, or screenshots of the Software.

4. Ownership and Intellectual Property

The Software is licensed, not sold. Dollar Vitals LLC retains all right, title, and interest in it, including all copyrights, trade secrets, trademarks, trade dress, and other intellectual property rights, in it and in every copy of it.

The Software is protected by United States copyright law and international treaty. Its structure, organization, calculation methods, categorization heuristics, and source code are valuable trade secrets and confidential information.

Your data is yours. We claim no ownership of anything you enter, and we never receive it.

Open-source components. The Software includes open-source components under their own licenses, listed in the Software under Settings, Legal & License. Those licenses govern those components, and nothing in this Agreement limits your rights under them.

Feedback. If you send us suggestions or ideas, we may use them without any obligation to you.

5. Your Data and Your Responsibility

You are solely responsible for everything you enter into the Software. The Software calculates on the information you supply. It has no connection to your bank, no access to any account, and no way to independently verify a single figure you type or import. Every output is only as accurate as the input behind it.

You are responsible for the accuracy, completeness, and legality of all information you enter, import, or attach.

You are solely responsible for backing up your data. The Software stores your data locally on your own device. We hold no copy and can recover nothing. Device loss, drive failure, operating-system reinstallation, browser data clearing, accidental deletion, file corruption, or a cloud-sync conflict may cause permanent, unrecoverable loss. The Software provides backup and export tools; using them is your responsibility, not ours.

You are responsible for your passphrase and Recovery Key. We cannot recover them, and we cannot recover your data without them. There is no reset and no back door. That is a deliberate design property, not a defect.

You are responsible for any API keys you supply, for the accounts behind them, and for any charges, rate limits, or consequences arising from their use.

You are responsible for not entering sensitive identifiers. The Software is designed never to ask for account numbers, card numbers, Social Security numbers, or full dates of birth. The one exception is an API key you may choose to supply for an AI or market-data provider. In the Mac app that key is normally kept in the macOS keychain, not in your records file or its backups. If the keychain refuses it, the app tells you, and the key works until you close the app. In a browser it is stored in your vault, encrypted only if you have set a passphrase, and left out of any backup exported without one. Do not put such identifiers into free-text fields such as descriptions, goal names, or notes. Imported transaction descriptions are kept as your bank wrote them.

6. Not Professional Advice: Verify Before You Act

The Software is an informational and record-keeping tool. It is not a financial advisor, tax advisor, accountant, attorney, broker, or investment adviser, and it does not provide financial, tax, legal, investment, insurance, or accounting advice.

No fiduciary or advisory relationship is created by your use of it. Dollar Vitals LLC is not registered as an investment adviser, broker-dealer, tax preparer, or financial planner with any federal or state authority.

All figures are estimates and illustrations. Tax calculations, federal and state tax estimates, bracket and FICA estimates, withholding projections, contribution limits, MAGI phase-outs, deduction worksheets, amortization schedules, debt-payoff projections, retirement readiness figures, net-worth totals, and cash-flow projections are illustrative estimates built on simplified models and on the information you entered. They do not account for every rule, exception, credit, deduction, phase-out, state or local variation, or change in law that may apply to you.

Limits, brackets, and thresholds change by legislation and agency guidance, and any figure built into the Software may be out of date. Projections are not predictions: every forward-looking figure rests on assumptions that will not hold, and markets lose money.

You must independently verify any figure before acting on it. Before making, changing, or relying on any financial, tax, investment, retirement, insurance, debt, or estate decision, consult a qualified professional licensed in your jurisdiction and verify the figure against authoritative sources.

You accept full responsibility for every decision you make, whether or not the Software informed it, and for every consequence, including tax penalties, interest, over-contribution penalties, under-withholding, missed deadlines, and investment losses.

The optional AI Advisor is artificial intelligence, and it can be wrong. Responses come from a third-party model using your own API key. AI output can be confidently, fluently incorrect, particularly about tax rules. No person reviews it before you see it. It is not advice, and it must be verified before it is relied on (see Section 10).

7. Disclaimer of Warranties

THE SOFTWARE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING ALL IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, QUIET ENJOYMENT, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE SOFTWARE WILL MEET YOUR REQUIREMENTS; THAT IT WILL RUN UNINTERRUPTED, SECURE, OR ERROR-FREE; THAT ANY CALCULATION, ESTIMATE, OR PROJECTION IT PRODUCES WILL BE ACCURATE, CURRENT, COMPLETE, OR SUITABLE FOR YOUR SITUATION; THAT DEFECTS WILL BE CORRECTED; OR THAT YOUR DATA WILL NOT BE LOST OR CORRUPTED.

If the law where you live does not allow an implied warranty to be disclaimed, that warranty is limited in duration to ninety (90) days from the date of purchase, or to the shortest period that law allows if it is longer.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, SAVINGS, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE SOFTWARE, UNDER ANY THEORY OF LIABILITY (CONTRACT, TORT INCLUDING NEGLIGENCE, STRICT LIABILITY, WARRANTY, OR OTHERWISE), EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

WITHOUT LIMITING THE ABOVE, WE WILL NOT BE LIABLE FOR:

AGGREGATE CAP. OUR TOTAL CUMULATIVE LIABILITY FOR ALL CLAIMS COMBINED WILL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNT YOU PAID FOR YOUR LICENSE, TO US OR TO LINK, OR (B) FIFTY UNITED STATES DOLLARS ($50.00).

Nothing here excludes or limits liability that cannot be excluded or limited under the law that applies to you, including liability for fraud, gross negligence, willful misconduct, death or personal injury caused by negligence, or a claim under a consumer-protection statute that does not allow the limit. If you live in New Jersey, the exclusions and limits in Sections 7 and 8, and the one-year limit in Section 14, do not apply to you to the extent New Jersey law does not allow them. You acknowledge that these limits are a fundamental basis of the bargain and are reflected in the price.

9. Indemnification

You agree to indemnify, defend, and hold harmless Dollar Vitals LLC and its officers, members, managers, employees, contractors, and agents from and against any claim brought by a third party, and the resulting liabilities, damages, losses, judgments, settlements, costs, and expenses (including reasonable attorneys' fees), to the extent it arises from: your breach of Section 3; your unlawful use of the Software; or your data infringing or violating someone else's rights.

10. Third-Party Services and Privacy

The Software can optionally connect to third-party services using API keys you supply from your own accounts: currently Anthropic, OpenAI, or Google (your choice) for the AI Advisor, and Finnhub for live prices. No such connection is made unless you enable the feature and supply a key. With a Finnhub key set, the Software also refreshes prices by itself, once per session (again if you change the key), the first time you open the Investments page, if a price is missing or a day or more old. These requests go straight from your computer to that provider under your own account; we never receive them. Your use of those services is governed by their terms, directly between you and them, and those terms may restrict personal or consumer use.

When you use the AI Advisor, the Software sends the provider you chose your question, your recent conversation in that chat, and a financial summary. The summary includes, for example: your filing status; for each person (dependents included) a number, a role ("Person 1 (Primary)"), and an age band given as a range ("50 to 54"), never a year born or exact age; your household's income by kind, take-home pay, retirement contributions, each person's retirement deferral as a share of its limit, and the employer match; your net worth, cash, investments, other assets, and debts; each debt's type, balance, rate, and payment; each investment account's type and value; spending totals by category and your budget targets; each goal's name, amount, and date; illustrative federal tax estimates (taxable income, tax, payroll tax, marginal rate, the deductions and credits counted, and estimated payments you entered) and the household answers they use (the number of dependents and how many are under 17, and who is 65 or older or legally blind); which tax inputs are still blank; whether a state estimate exists and, if there is none, a short reason such as "no state selected" or "the state has no wage income tax", never the state's name or its figure; spending alerts the app found on your computer, described by amount only; and labels you typed yourself, including goal names and custom category names, which are sent as you typed them.

The summary does not contain your first name, your employer, your account nicknames, your list of transactions, merchant names, or any receipt description.

Before the first request to a provider, the Software tells you what is sent and to which provider, and sends nothing until you confirm. You can read the exact summary before anything is sent, with "See what's sent" on that screen or "See exactly what gets shared" in the Advisor. A provider's free tier may use what you send to improve its models, and people there may read it. Do not type anything into a goal or category name you would not want to share with your AI provider.

The AI Advisor is designed to explain general principles. It is not meant to recommend specific securities or to tell you what to report, deduct, or claim on a tax return, and you should not use it for that. Providers such as Anthropic, OpenAI, and Google set their own usage rules for their models, and you are bound by them as the holder of the key.

The Software is local-first. We run no server for your financial data: we receive no telemetry, we collect no analytics, and we have no copy of your data. There is no advertising and no tracking of any kind. The only outbound connections it makes are the ones described above, which you start or switch on, and, if you choose it, a single activation request: when you click Activate, the Software sends your license number and a one-way code identifying your computer to our license server, once, and receives your permanent key. Like any web request it comes from your network address; our server keeps only a one-way code for that network, to stop key abuse (see the Privacy Policy). Nothing about your finances, your vault, or how you use the Software is ever sent. You can avoid that request entirely by entering a permanent key obtained from our website instead.

If you place your records or a backup inside a cloud-synchronization folder, that file is handled by that service under its terms. That is your choice to make. Copies the service kept before you set a passphrase, in its version history or trash, may stay readable until you delete them there. Files you export as CSV or PDF are never encrypted.

11. Pre-Release Software

Where the Software is identified as alpha, beta, preview, or pre-release, it is provided for testing and evaluation only, may contain defects, may change substantially before general release, and may be discontinued.

Do not rely on pre-release Software as your only record of any financial information, and do not use it to make a decision you have not independently verified. Keep independent backups at all times. Sections 7 and 8 apply with full force.

12. Term and Termination

This Agreement takes effect when you first accept it and continues until terminated. You may terminate at any time by ceasing all use and permanently deleting every copy in your possession or control.

This license terminates automatically and immediately, without notice, if you breach any restriction in Section 3. We may also terminate for any other material breach you fail to cure within thirty (30) days of notice. A full refund ends the license, whether we or Link grant it and whenever it is granted, and so does a dispute that is lost and reverses your payment. A partial refund or goodwill credit does not, and neither does a dispute you win.

On termination you must stop using the Software and delete every copy. Your data remains yours and stays on your device: termination does not delete it and does not entitle us to it. Any license key associated with the license is revoked and no further activation is available. A revoked key is put on our revocation list, which is built into the Software: it stops working in releases made after it was revoked, once you install one. A license ended by a refund Link grants or a dispute Link decides ends once Link tells us of it. Sections 3, 4, 5, 6, 7, 8, 9, 13, 14, and 15 survive termination.

13. Enforcement, Piracy, and Remedies

Unauthorized copying or distribution of the Software is copyright infringement. It is a breach of this Agreement and a violation of United States copyright law, and may also give rise to claims for breach of contract, misappropriation of trade secrets, and unfair competition. We actively protect the Software: unauthorized distribution in any form is unlawful, and we intend to hold those responsible accountable to the fullest extent of the law.

You acknowledge that any breach of Section 3 would cause irreparable harm for which monetary damages would be inadequate. We are therefore entitled to seek immediate injunctive relief and specific performance, in addition to any other remedy, without the necessity of posting a bond to the extent permitted by law.

Remedies. We reserve every remedy available to a copyright owner under the Copyright Act, and every other remedy available at law and in equity.

In any action over a breach of Section 3, the prevailing party may recover its reasonable attorneys' fees and court costs, to the extent the law permits.

You accept responsibility for every copy of the Software made available from your possession, your account, or your devices, whether the sharing was deliberate, careless, or the result of failing to secure a shared folder, drive, account, or device.

14. Governing Law and Disputes

This Agreement is governed by the laws of the Commonwealth of Pennsylvania, United States, without regard to its conflict-of-laws rules. The UN Convention on Contracts for the International Sale of Goods does not apply.

Try to settle it first. Before either of us files a claim, the one with the complaint emails the other a short description of it (to us at legal@dollarvitals.com), and we both try in good faith to resolve it within thirty (30) days. This does not stop either of us from seeking urgent court relief.

You and we consent to the exclusive jurisdiction and venue of the Court of Common Pleas of Northampton County, Pennsylvania, or the United States District Court for the Eastern District of Pennsylvania, and waive any objection to that venue. Either of us may instead bring an individual claim in small-claims court, including the magisterial district court or small-claims court for the county where you live. There is no arbitration between you and us. Disputes with Link about the payment are governed by Link's own terms, which include an arbitration agreement.

To the maximum extent permitted by law, any claim arising out of or relating to this Agreement or the Software must be brought within one (1) year after the claim arises, or it is barred. The one-year period pauses while the 30-day step above is under way, and it does not apply to a claim for which the law gives a longer period that a contract cannot shorten.

Nothing in this Section deprives you of the protection of any mandatory consumer-protection provision of the law where you reside.

15. General

This Agreement, together with the Terms of Sale and Refund Policy applicable to your purchase, is the entire agreement between you and us regarding the Software and supersedes all prior understandings.

If any provision is held unenforceable it will be modified to the minimum extent necessary, or severed, and the rest stays in force. Our failure to enforce any provision is not a waiver of it. We are not liable for a failure or delay caused by events beyond our reasonable control.

You may not assign this Agreement without our prior written consent; any attempt to do so is void. We may freely assign it, including in connection with a merger, acquisition, reorganization, or sale of substantially all of our assets.

You may not use or export the Software in violation of United States export laws or sanctions. You represent that you are not located in a country subject to a U.S. embargo and are not on a U.S. government restricted-party list. The Software is "commercial computer software" under FAR 2.101 and is provided to U.S. Government end users with only the rights granted here, per FAR 12.212 and DFARS 227.7202. The contractor is Dollar Vitals LLC, 1700 Sullivan Trail Suite 7 # 189, Easton, PA 18040.

Sold in the United States. Licenses are sold only to buyers in the United States, including Puerto Rico, Guam, the U.S. Virgin Islands, American Samoa, and the Northern Mariana Islands. An order billed to an address outside the United States is refunded in full, and no key is issued for it. An order that reaches us with no billing country is held, with no key issued, until we check it by hand. If you take the Software elsewhere, you are responsible for complying with your local law, and any mandatory consumer rights you have there still apply.

Notices. We may give you notice by email to the address on your order or by a notice in the Software; you may give us notice at legal@dollarvitals.com or by mail to the address below. You agree that this Agreement and notices given electronically satisfy any requirement that they be in writing.

Questions about this Agreement, commercial licensing, or suspected unauthorized distribution: legal@dollarvitals.com. Mail: Dollar Vitals LLC, 1700 Sullivan Trail Suite 7 # 189, Easton, PA 18040.

End of document · Version 1.2 · © 2026 Dollar Vitals LLC. All rights reserved.