My Figures Legal
Terms & Conditions
The rules for using My Figures, including how account connections through MX work, subscriptions and cancellations, and how disputes are resolved.
Effective date: October 26, 2026
Last updated: October 26, 2026
Please read Section 24 carefully. It requires you and My Figures to resolve most disputes through individual binding arbitration instead of in court, and it waives your right to a jury trial and to take part in a class action. You can opt out of arbitration within 30 days of accepting these Terms, as explained in Section 24.8.
Key points. You must be 18 or older to use My Figures. We use MX Technologies, Inc. to connect your financial accounts, and you can disconnect them at any time. My Figures gives you information and tools, not financial, investment, tax, legal, or accounting advice. Paid plans renew automatically until you cancel, and you can cancel online at any time. This summary doesn’t replace the full Terms below.
Contents
2. Eligibility and age requirements
4. Electronic communications and records
6. Not financial, investment, tax, legal, or accounting advice
8. Data accuracy and how much you can rely on it
9. Connecting financial accounts: MX and your financial institutions
10. Shared access, team members, and advisors
11. Subscriptions, fees, free trials, cancellations, and refunds
Welcome to My Figures. These Terms & Conditions (“Terms”) are a binding agreement between you and My Figures, Inc. (“My Figures,” “we,” “us,” or “our”). They apply to myfigures.com, the My Figures app at app.myfigures.com and any My Figures mobile apps, My Figures Payments, our learning content and workshops, our email and text message programs, and any other product or service we offer that links to these Terms (together, the “Services”).
1. Accepting these Terms
You accept these Terms when you create an account, check a box or click a button that says you agree, or otherwise use the Services. If you use the Services for a business or other organization, you accept these Terms on its behalf, you confirm that you have authority to do so, and “you” includes that organization.
Our Privacy Policy explains how we collect, use, and share personal information, and it is part of these Terms. Some features come with additional terms that we will show you before you use them, such as the payment processing terms for My Figures Payments. If additional terms conflict with these Terms, the additional terms control for that feature.
If you don’t agree to these Terms, please don’t use the Services.
2. Eligibility and age requirements
To use the Services, you must:
be at least 18 years old, or the age of majority where you live if that is higher, and able to form a binding contract;
live in, and use the Services from, the United States;
own, or be authorized to access and share, every financial account you connect;
not be prohibited from receiving the Services under U.S. law, including sanctions laws (see Section 27); and
not have had a My Figures account terminated by us for violating these Terms, unless we agree otherwise in writing.
The Services are not intended for anyone under 18, and we don’t knowingly let anyone under 18 create an account.
If you open an account for a business, you confirm that the business is validly formed and in good standing and that you are authorized to act for it. We may ask for information to verify your identity, your business, or your authority, and we may decline or limit access if we can’t verify it.
3. Your account and security
Keep your information accurate. Give us accurate, current, and complete information when you register, and keep it up to date.
Keep your login to yourself. Each login is for one person. Don’t share your password or let anyone else sign in as you. If you want others to access your account, invite them through our shared access features (see Section 10).
Protect your account. Use a strong, unique password and turn on multi-factor authentication if it’s available to you. You are responsible for activity that happens under your account, unless it results from our failure to use reasonable security measures.
Tell us right away about problems. If you suspect someone has accessed your account without permission, or that your password has been exposed, contact us immediately at support@myfigures.com.
We may step in to protect you. We may ask you to verify your identity, reset your credentials, or temporarily lock your account if we see signs of unauthorized access, fraud, or risk.
We will never ask for your bank password. My Figures staff will never ask for the username, password, or security answers you use with your bank or other financial institution.
4. Electronic communications and records
By creating an account, you agree that we may provide agreements, disclosures, notices, receipts, and other communications to you electronically, including by email to the address on your account, through in-app messages, or by posting them in the Services. Electronic communications satisfy any legal requirement that a communication be in writing.
To receive electronic communications you need a device with internet access, a current web browser, an active email account, and the ability to save or print documents. You may request a paper copy of any required notice, or withdraw your consent to electronic communications, by emailing support@myfigures.com. Because the Services are delivered online, withdrawing consent may mean we have to close your account. Please keep your email address current.
We will send you service messages, such as security alerts, billing notices, and changes to these Terms, while your account is open. You can opt out of marketing emails at any time with the unsubscribe link in each message. Text messages are covered in Section 13.
5. About the Services
5.1 What My Figures does
My Figures is a software platform that helps small business owners, entrepreneurs, and individuals understand and manage their finances. Depending on your plan, the Services may include connected account dashboards, transaction categorization, budgeting, cash flow creation, tracking, and forecasting, financial reports such as profit and loss statements and balance sheets, bookkeeping and reconciliation tools, debt, investment, and net worth tracking, AI-assisted insights, learning content and workshops, and optional invoicing and payment tools. Features vary by plan and may change over time.
5.2 What My Figures is not
My Figures is a technology company. We are not a bank, credit union, broker-dealer, investment adviser, financial planner, tax preparer, accounting firm, law firm, lender, money transmitter, or consumer reporting agency. We don’t hold or move your money. Payment processing for My Figures Payments is provided by our payment processing partner (see Section 12), and funding offers come from third parties (see Section 18).
5.3 Beta features
We may offer features labeled “beta,” “preview,” “early access,” or similar. Beta features are still being tested. They may not work as expected, may change, and may be discontinued at any time, and they are provided as is.
5.4 Changes and availability
We continually improve the Services and may add, change, or remove features. If we remove a material feature from a paid plan during your billing period, we will tell you in advance where practical, and you may cancel (see Section 11). We work to keep the Services available, but we don’t guarantee uninterrupted access. The Services may be unavailable during maintenance, upgrades, or events outside our control.
5.5 Mobile apps
If you download a My Figures mobile app from the Apple App Store or Google Play, these Terms apply to the app, and the app store’s terms also apply. For apps downloaded from the Apple App Store, you and My Figures acknowledge that:
these Terms are between you and My Figures, not Apple, and My Figures, not Apple, is responsible for the app and its content;
Apple has no obligation to provide maintenance or support for the app;
if the app fails to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price (if any), and to the maximum extent permitted by law Apple has no other warranty obligation for the app;
My Figures, not Apple, is responsible for addressing any claims relating to the app, including product liability claims, claims that the app fails to meet legal or regulatory requirements, consumer protection or privacy claims, and claims that the app infringes someone’s intellectual property rights; and
Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you as they relate to the app.
6. Not financial, investment, tax, legal, or accounting advice
My Figures provides information and tools, not advice. Nothing in the Services is investment, financial, tax, legal, accounting, credit, or other professional advice, or a recommendation to buy, sell, or hold any security or to take any other financial action. That includes dashboards, reports, forecasts, health scores, categorizations, budgets, tax estimates, AI-generated insights and chat responses, learning content, workshops, guest expert sessions, funding information, and communications from our team.
No fiduciary relationship. We are not acting as your fiduciary, investment adviser, financial planner, accountant, or attorney, and using the Services does not create any such relationship.
Education is general. Learning Hub content, CFO workshops, expert guest sessions, and similar materials are general educational information that may not fit your situation. Guest speakers’ views are their own.
Tax estimates are estimates. Tax figures in the Services are approximations based on the information available to us. They are not tax returns or filings. Check them with a qualified tax professional before you file a return or make estimated tax payments.
Reports are not audited financial statements. Reports such as profit and loss statements and balance sheets are generated from data you and third parties provide. They are not audited or reviewed, and they are not prepared under generally accepted accounting principles unless we say so. If you share them with a lender, investor, or anyone else, you are responsible for their accuracy, and those people may not rely on My Figures.
Your decisions are yours. You are solely responsible for your financial, business, and tax decisions. Before making important decisions, talk to a licensed professional, such as a financial adviser, CPA, or attorney, who knows your situation.
7. AI-powered features
Some features use artificial intelligence (AI) technology from third-party providers, such as Anthropic, to generate insights, summaries, forecasts, categorizations, reports, and chat responses (“AI Output”).
Check it before you rely on it. AI Output can be inaccurate, incomplete, or out of date, even when it sounds confident. Review it carefully. AI Output is subject to Section 6 and is never professional advice.
What we send to AI providers. To generate AI Output, we send our AI providers the information needed for your request, such as relevant transactions, balances, budgets, goals, and your questions. Our Privacy Policy explains how this works. Our agreements with our AI providers do not allow them to use your data to train their models.
Use it responsibly. Don’t use AI features to create unlawful, harmful, or misleading content, or to try to extract system instructions or attack our providers’ systems.
Using AI Output. As between you and My Figures, you may use AI Output for your own personal or internal business purposes. AI Output may be similar to output given to other users.
8. Data accuracy and how much you can rely on it
The information in the Services comes from your financial institutions through MX, from you, from our payment processing partners, and from calculations and categorizations performed by us and our providers. We don’t create or independently verify the data your financial institutions provide.
As a result, information in the Services may be delayed, incomplete, duplicated, miscategorized, or wrong. For example:
balances may not reflect pending transactions or recent activity;
data is refreshed periodically, not in real time;
some institutions provide only limited transaction history;
investment values may be delayed; and
forecasts, health scores, and categorizations are estimates based on assumptions and the data available to us.
Your financial institution’s records and statements are the official record of your accounts. Before you make important decisions, such as moving money, paying bills, filing taxes, or applying for credit, verify the information directly with your financial institution or another reliable source. You are responsible for reviewing and correcting categorizations, reconciling your records, and the accuracy of information you enter.
If you find an error, contact us at support@myfigures.com. We will investigate with MX where appropriate, but we can’t correct records at your financial institution.
9. Connecting financial accounts: MX and your financial institutions
9.1 How account connections work
My Figures uses MX Technologies, Inc. (“MX”), a financial data aggregation provider, to connect the bank, credit card, loan, investment, and other financial accounts you choose (“Connected Accounts”). You pick your financial institution and accounts in MX’s secure connection window inside the Services. Connecting accounts is optional, but many features don’t work without it.
9.2 Your authorization
When you connect an account, you:
authorize My Figures and MX to access your Connected Accounts and to retrieve, transmit, store, and use information from them on an ongoing basis, so we can provide the Services you request;
appoint My Figures and MX as your agents, with a limited power of attorney, solely to access your accounts at your financial institutions and retrieve your information, with full power to do everything reasonably necessary for that purpose, as fully as you could do in person;
agree that when My Figures or MX accesses and retrieves information from your financial institutions, they are acting as your agent, not as the agent of or on behalf of your financial institution, and that your financial institutions may rely on this authorization;
confirm that you own each Connected Account or are authorized to access and share it, and that connecting it does not violate any agreement you have with your financial institution or anyone else; and
understand that the Services are not sponsored or endorsed by your financial institutions.
This authorization lasts until you disconnect the account or close your My Figures account, or until it expires under applicable law (see our Privacy Policy).
9.3 Information MX may retrieve
Depending on your institution and account type, MX may retrieve and provide to My Figures:
Account details: institution name, account name, type, and status, masked account numbers, and, where available, full account and routing numbers;
Balances and terms: current and available balances, credit limits, loan balances, interest rates, payment due dates, minimum payments, and payoff amounts;
Transaction history: dates, amounts, descriptions, merchant names and locations, categories, memos, check numbers, and pending or posted status;
Investment information: holdings, values, and investment transactions;
Account holder information: name, address, email address, and phone number on file with your institution; and
Connection information: connection status, error codes, timestamps, and identifiers MX uses to manage the connection.
We use only the information reasonably needed to provide the features you use.
9.4 How your login credentials are handled
You enter your financial institution credentials directly into MX’s secure connection window, or, if your institution supports it, on your institution’s own sign-in page through an OAuth or other token-based connection.
OAuth and token-based connections. You sign in at your institution and choose what to share. Your institution gives MX a secure access token instead of your password.
Credential-based connections. For institutions that don’t offer token-based access, MX receives your credentials and stores them in encrypted form to maintain your connection.
My Figures never sees your bank password. My Figures never receives, sees, or stores the usernames, passwords, or security answers you use with your financial institutions.
Never send your financial institution credentials to My Figures by email, chat, text, or phone.
9.5 MX’s terms and privacy practices
MX is an independent company. MX provides its services under its own terms and privacy practices, including the MX Terms of Use and the MX Privacy Statement, and under its agreement with us. You can also reach MX’s policies from the “Data access powered by MX” link in the connection window. By connecting an account, you agree to the MX end-user terms presented to you in the connection flow. We select our providers carefully and require them by contract to protect your information, but MX’s own terms and privacy notice govern MX’s practices.
9.6 Disconnecting accounts and revoking access
You can disconnect any Connected Account at any time on the Connections page in the app or by contacting support@myfigures.com. You can also revoke access at your financial institution, many of which offer a “connected apps” or “third-party access” page.
When you disconnect an account:
My Figures and MX stop retrieving new information from that account;
information already retrieved stays in your My Figures account as part of your financial history, so your reports, budgets, and books stay accurate, until you delete it or close your account;
you can ask us to delete previously retrieved information from a disconnected account by contacting support, and we will delete it as described in our Privacy Policy, except information we are required by law to keep; and
MX may keep information under its own retention policies and legal obligations.
If you close your My Figures account, we will disconnect your Connected Accounts and handle your information as described in Section 23 and our Privacy Policy.
9.7 Outages, delays, and errors
Connections depend on MX and your financial institutions, which may change their systems, require you to sign in again, limit the data they provide, or stop supporting connections. My Figures is not responsible for any outage, delay, interruption, error, inaccuracy, or omission caused by MX, your financial institutions, or any other third-party data source, or for any action you take or don’t take based on that information. Your financial institution, not My Figures, is responsible for your accounts, your transactions, and the funds in them.
9.8 Terms required by our data provider
The following terms reflect requirements MX places on companies that use its services:
MX, its suppliers, and your financial institutions make no warranties to you about the data retrieved through the Services, and, to the extent permitted by law, they are not liable to you for any loss arising from your use of the account connection services.
You will use account connection services only for your own lawful purposes and only for accounts you are authorized to access. You will not copy, modify, reverse engineer, or interfere with MX’s connection technology.
We may share your contact and connection information with MX as needed for MX to provide, support, and secure its services.
MX is a third-party beneficiary of this Section 9 and may enforce it directly against you.
9.9 Changes to our data providers
We may add or change data aggregation providers. If we do, we will update these Terms and our Privacy Policy, and we will ask you to reauthorize any connection that requires it.
11. Subscriptions, fees, free trials, cancellations, and refunds
11.1 Plans and prices
Our plans, features, and prices are described on our Pricing page and at checkout. Prices are in U.S. dollars and don’t include taxes unless we say so.
11.2 Automatic renewal
Paid subscriptions renew automatically. Your subscription continues and renews at the end of each billing period, monthly or annually depending on the plan you choose, at the then-current price. We, or our payment processor, will charge the payment method on file at the start of each billing period until you cancel.
11.3 Free trials and introductory offers
If we offer a free trial or introductory price, we will show you its length and terms at sign-up. Unless you cancel before the trial ends, your paid subscription starts automatically when the trial ends, and we will charge your payment method. Free trials are limited to one per customer, and we may change or end trial offers at any time for people who haven’t started one.
11.4 Payment authorization
You authorize us and our payment processors, including Stripe, Inc., to charge your payment method for all subscription fees, applicable taxes, and other charges you incur. You confirm you are authorized to use the payment method you provide. If a payment fails, we may retry the charge, and if we can’t collect payment after notifying you, we may suspend or downgrade your account.
11.5 Price changes
We may change our prices. We will notify you at least 30 days before a price change applies to you, and the new price takes effect at your next renewal. If you don’t want to pay the new price, cancel before it takes effect.
11.6 Cancellation
You can cancel at any time online in the app under Profile > Billing, or by emailing support@myfigures.com. Cancellation takes effect at the end of your current billing period. You keep access until then, and you won’t be charged again. Deleting the app or simply not using the Services does not cancel your subscription.
11.7 Refunds
Our free trial is how you try My Figures risk-free: if you cancel before your trial ends, you won’t be charged. After a trial converts to a paid subscription, and for any subscription without a trial, fees are non-refundable except where required by law, and we don’t give refunds or credits for partial billing periods, unused features, or downgrades. If you believe you were charged in error, contact us within 60 days of the charge and we will review it.
11.8 Plan changes
Upgrades take effect immediately, and we may charge a prorated amount for the rest of your billing period. Downgrades take effect at your next renewal. Downgrading may remove access to some features, but it doesn’t delete your data.
11.9 Taxes and chargebacks
You are responsible for any taxes on your purchases, other than taxes on our income. If you dispute a charge with your bank or card issuer, please contact us first so we can try to resolve it. We may suspend your account while a chargeback is pending.
12. My Figures Payments
My Figures Payments lets eligible businesses send invoices and accept payments. It is optional.
Who processes payments. Payment processing for My Figures Payments is provided by Finix Payments, Inc. (“Finix”) and its bank partners. My Figures provides the software. We are not a bank, money transmitter, or payment processor, and we don’t hold your funds.
Processor terms. To use My Figures Payments, you must complete Finix’s onboarding and accept the merchant terms presented to you during onboarding. Those terms govern payment processing, including settlement, reserves, holds, and chargebacks, and they control if they conflict with this section.
Identity verification. Finix collects information to verify you and your business, such as legal name, tax ID or Social Security number, date of birth, address, ownership details, and a bank account for payouts. Approval is not guaranteed.
Fees. Payment processing fees are listed on our Service Fees page and may be deducted from your payouts. We will give you at least 30 days’ notice of fee increases.
Risk controls. Finix or My Figures may delay payouts, hold funds, set up reserves, or suspend or end your access to My Figures Payments to address fraud, credit, legal, or compliance risk.
Your responsibilities. You are responsible for selling only lawful goods and services, following card network and payment rules, the accuracy of your invoices, handling refunds and customer disputes, paying taxes, and protecting your customers’ information. You may not use My Figures Payments for businesses or transactions that Finix or the card networks prohibit.
13. Text message (SMS) terms
These terms apply if you opt in to receive text messages from My Figures, for example through a form on our website, during sign-up, in the app, or by texting a keyword to us.
Program description. My Figures may send you text messages about your inquiry, your account, and our Services, such as account and security alerts, support replies, appointment reminders, onboarding tips, and, only if you separately opt in, promotional offers. Messages may be sent using an automated system through our messaging platform provider.
Consent. You opt in by checking an opt-in box, texting a keyword, or otherwise giving your number and agreeing to receive texts. Consent to receive marketing texts is not a condition of any purchase. You confirm that you are the subscriber or customary user of the mobile number you provide.
Message frequency. Message frequency varies.
Message and data rates may apply. Your wireless carrier’s standard message and data rates may apply to messages you send and receive.
Opt out at any time. Reply STOP to any message to stop receiving texts. CANCEL, END, QUIT, UNSUBSCRIBE, STOP ALL, REVOKE, and OPT OUT also work. We will send one message confirming that you’ve opted out. You can also opt out by any other reasonable means, such as emailing support@myfigures.com. Opting out of texts doesn’t affect our emails. To opt back in, sign up again the way you did the first time.
Help. Reply HELP for help, or contact us at support@myfigures.com or (385) 350-8511.
Carriers. Wireless carriers are not liable for delayed or undelivered messages.
Changing your number. If you change or cancel your mobile number, tell us or reply STOP from that number so messages don’t go to someone else.
Privacy. We don’t sell your mobile number, and we don’t share your mobile number or text message opt-in consent with third parties or affiliates for their marketing. We share them only with providers that help us deliver messages. See our Privacy Policy.
14. Acceptable use
You agree not to, and not to help or allow anyone else to:
give false information, impersonate anyone, or open an account for someone else without their authority;
connect or access any financial account that you don’t own or aren’t authorized to access, or use anyone else’s credentials;
use the Services for fraud, money laundering, terrorist financing, sanctions evasion, tax evasion, or any other illegal activity;
use the Services, or information obtained through them, to make decisions about anyone’s eligibility for credit, insurance, employment, housing, or any other purpose covered by the Fair Credit Reporting Act. My Figures is not a consumer reporting agency and does not provide consumer reports;
scrape, crawl, or use bots or other automated means to access the Services, except through APIs we provide and in line with our API documentation, rate limits, and these Terms;
reverse engineer, decompile, or try to derive source code from the Services, or get around any security, authentication, rate limit, or plan restriction;
probe, scan, or test the vulnerability of the Services without our written permission (please report security issues to support@myfigures.com instead);
upload viruses or other harmful code, or interfere with, overload, or disrupt the Services;
upload content that is unlawful, infringing, defamatory, or harassing, or that includes other people’s personal information without the right to share it;
resell, sublicense, rent, or provide the Services to others, except as we allow in writing or through an authorized firm arrangement;
use the Services to build a competing product, or publish benchmarks of the Services without our consent;
misuse AI features as described in Section 7;
send spam or unsolicited messages through any feature of the Services; or
violate any law or anyone else’s rights.
If you see anyone violating these rules, please tell us at support@myfigures.com. We may investigate violations, remove content, suspend or terminate accounts, and cooperate with law enforcement.
15. Your content and the license you give us
“Your Content” means information you submit, upload, connect, or create in the Services, such as Connected Account data, transaction edits, categories, rules, notes, budgets, goals, invoices, documents, receipts, messages, and AI prompts.
You own Your Content. As between you and My Figures, you keep all rights in Your Content.
License to us. You give My Figures a worldwide, non-exclusive, royalty-free license to host, store, copy, process, transmit, display, and adapt Your Content, and to create reports and other outputs from it, only to provide, maintain, secure, support, and improve the Services, to comply with the law, and as described in our Privacy Policy. This license ends when Your Content is deleted from our systems, except for information we keep as described in our Privacy Policy.
De-identified and aggregated data. We may create de-identified or aggregated data that does not identify you or your business, and use it to operate, analyze, and improve the Services. We won’t try to re-identify it.
We don’t sell Your Content. We don’t sell Your Content or use data from your Connected Accounts for advertising.
Your responsibilities. You confirm that you have the rights needed to share Your Content with us. Keep your own copies of important records. You can export reports from the Services, and you can ask us for a copy of your data at any time.
16. Feedback
We welcome ideas and suggestions. If you send us feedback, you agree that we may use it for any purpose without paying you or owing you anything, and that it isn’t confidential. Please don’t include confidential information in feedback.
17. Our intellectual property
The Services, including our software, design, text, graphics, templates, learning content, workshop recordings, and the My Figures name and logos, are owned by My Figures or our licensors and protected by intellectual property laws. Subject to these Terms, we give you a limited, non-exclusive, non-transferable, revocable license to use the Services for your personal or internal business purposes. Learning content and workshops are for your own use, so please don’t record, copy, or redistribute them. You may not use our trademarks without our written permission.
We won’t identify you or your business publicly as a My Figures customer, for example in testimonials or case studies, without your permission.
18. Third-party services, links, and funding offers
Third-party services. The Services work with third-party services, such as MX, Stripe, Finix, sign-in providers, and integrations you choose to use. Your use of those services is governed by their own terms and privacy policies, and we are not responsible for them.
Funding and financial offers. The Services may show information about business funding, credit cards, lines of credit, payroll, or other financial products offered by third parties, including our affiliate, 7 Figures Funding. We are not a lender, and these are not offers of credit. Providers make their own approval decisions and set their own terms. We or our affiliates may receive compensation if you apply for or obtain a product. We share your information with a funding provider only when you ask us to, as described in our Privacy Policy. Showing an offer is not a recommendation (see Section 6).
Links. The Services may link to third-party websites. We don’t control them and aren’t responsible for their content or practices.
19. Copyright complaints
We respect intellectual property rights. If you believe material in the Services infringes your copyright, send a notice to our designated agent that includes: your physical or electronic signature; a description of the copyrighted work; a description of where the material is located in the Services; your contact information; a statement that you have a good-faith belief that the use is not authorized by the copyright owner, its agent, or the law; and a statement, under penalty of perjury, that the information in your notice is accurate and that you are the owner or authorized to act for the owner.
Designated agent: Copyright Agent, My Figures, Inc., 915 S 500 E, Suite 100, American Fork, UT 84003, support@myfigures.com.
If we remove material in response to a notice, we will try to notify the person who posted it, who may send a counter-notice as allowed by law. We terminate the accounts of repeat infringers in appropriate circumstances.
20. Disclaimers of warranties
TO THE FULLEST EXTENT PERMITTED BY LAW, THE SERVICES, INCLUDING ALL DATA, REPORTS, FORECASTS, AND AI OUTPUT, ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
WITHOUT LIMITING THE ABOVE, MY FIGURES DOES NOT WARRANT THAT: (A) THE SERVICES WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE; (B) DATA FROM MX, YOUR FINANCIAL INSTITUTIONS, OR OTHER THIRD PARTIES WILL BE ACCURATE, COMPLETE, OR CURRENT; (C) ANY REPORT, FORECAST, CATEGORIZATION, TAX ESTIMATE, OR AI OUTPUT WILL BE ACCURATE OR SUITABLE FOR YOUR PURPOSES; OR (D) USING THE SERVICES WILL PRODUCE ANY PARTICULAR RESULT, SUCH AS IMPROVED CASH FLOW, TAX SAVINGS, OR FUNDING APPROVAL. YOU USE THE SERVICES AT YOUR OWN RISK.
Some jurisdictions don’t allow the exclusion of certain warranties, so some of these exclusions may not apply to you.
21. Limitation of liability
TO THE FULLEST EXTENT PERMITTED BY LAW, MY FIGURES AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND LICENSORS (THE “MY FIGURES PARTIES”) WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS, WHETHER BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), STATUTE, OR ANY OTHER THEORY, EVEN IF WE HAVE BEEN TOLD SUCH DAMAGES ARE POSSIBLE.
THE MY FIGURES PARTIES ARE NOT LIABLE FOR LOSSES ARISING FROM: (A) DECISIONS YOU MAKE BASED ON INFORMATION IN THE SERVICES; (B) THE ACTS OR OMISSIONS OF MX, YOUR FINANCIAL INSTITUTIONS, PAYMENT PROCESSORS, OR OTHER THIRD PARTIES; OR (C) UNAUTHORIZED ACCESS TO YOUR ACCOUNT THAT RESULTS FROM YOUR FAILURE TO KEEP YOUR CREDENTIALS SECURE.
TO THE FULLEST EXTENT PERMITTED BY LAW, THE TOTAL LIABILITY OF THE MY FIGURES PARTIES FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS IS LIMITED TO THE GREATER OF (1) THE AMOUNT YOU PAID MY FIGURES FOR THE SERVICES IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (2) $100.
These limitations don’t apply to liability that can’t be limited under applicable law, such as liability for fraud or for gross negligence or willful misconduct where the law doesn’t allow it to be limited. Some jurisdictions don’t allow certain limitations, so some of them may not apply to you.
22. Indemnification
To the extent permitted by law, you agree to defend, indemnify, and hold harmless the My Figures Parties from any claims, losses, liabilities, damages, costs, and expenses, including reasonable attorneys’ fees, arising out of or relating to: (a) your misuse of the Services; (b) Your Content; (c) your violation of these Terms or the law; (d) your Authorized Users’ use of the Services; (e) your use of My Figures Payments, including claims by your customers and chargebacks; (f) your connection of any account you were not authorized to access; or (g) your infringement of anyone’s rights. We will notify you of any claim we seek indemnification for, and we may control its defense. You may not settle a claim that affects us without our written consent.
23. Suspension and termination
By you. You may stop using the Services and close your account at any time from the app or by contacting us. If you have a paid plan, cancel your subscription first (see Section 11).
By us. We may suspend or terminate your access to all or part of the Services if: you violate these Terms or the law; we reasonably suspect fraud, abuse, or a security risk; we are required to by law, MX, or a payment processor; you don’t pay fees when due; or we stop offering the Services. When practical, we will give you notice first and a chance to fix the problem. If we stop offering a paid service for reasons other than your breach, we will refund any prepaid fees for the unused part of your billing period.
What happens when your account closes.
Your access to the Services ends.
We stop retrieving data from your Connected Accounts and ask MX to remove your connections.
We delete or de-identify your information as described in our Privacy Policy, except information we must keep for legal, tax, regulatory, security, or dispute-resolution reasons.
Please export any data you want to keep before you close your account.
Sections that by their nature should survive termination, including Sections 6, 8, 9.7, 9.8, 15 through 17, and 20 through 27, will survive.
24. Dispute resolution, arbitration, and class-action waiver
Please read this section carefully. It affects your legal rights.
24.1 Try to resolve it informally first
Most concerns can be resolved quickly by contacting support@myfigures.com. Before starting an arbitration or court case, you and My Figures agree to send a written “Notice of Dispute” that includes your name, the email address on your account, a description of the dispute, and the relief requested. Send yours to support@myfigures.com with the subject “Notice of Dispute,” or by mail to the address in Section 28. We will send ours to the email on your account. For 60 days after a Notice of Dispute is received, the parties will try in good faith to resolve the dispute, including through an individual call if either party asks. Any deadlines to file claims are paused during this period.
24.2 Agreement to arbitrate
Except as described in Section 24.3, you and My Figures agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Services, or your relationship with My Figures, including whether a claim must be arbitrated, will be resolved by final and binding individual arbitration. The Federal Arbitration Act governs this section.
24.3 Exceptions
Either party may: (a) bring an individual claim in small claims court if it qualifies; and (b) seek an injunction or other equitable relief in court to stop actual or threatened infringement or misuse of intellectual property or unauthorized access to the Services.
24.4 How arbitration works
The arbitration will be administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules if you use the Services primarily for personal, family, or household purposes, or under its Commercial Arbitration Rules otherwise, as modified by this section. The rules are available at adr.org. The arbitrator may award the same individual relief a court could award. Hearings will take place by video or phone, or based on written submissions, where possible. If an in-person hearing is needed, it will take place in the county where you live if you are a consumer, or in Utah County, Utah, if you are a business, unless the parties agree otherwise.
24.5 Fees
Payment of arbitration fees is governed by the AAA’s rules. If you are a consumer, we will pay all AAA filing, administration, and arbitrator fees other than your initial filing fee. Each party pays its own attorneys’ fees unless the arbitrator awards them under applicable law.
24.6 Class-action and jury trial waiver
YOU AND MY FIGURES AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. YOU AND MY FIGURES WAIVE THE RIGHT TO A JURY TRIAL. The arbitrator may not consolidate more than one person’s claims or preside over any class or representative proceeding. If this waiver is found unenforceable for any claim, that claim must be severed and decided in court, and the court case will be paused until the individual arbitration is finished.
24.7 Mass arbitration
If 25 or more similar demands for arbitration are filed against My Figures by the same or coordinated counsel, the AAA’s mass arbitration procedures will apply, and the demands will be administered in batches of up to 50, with one arbitrator per batch where the rules allow. Deadlines to file claims are paused for demands waiting to be batched.
24.8 Your right to opt out
You can opt out of this agreement to arbitrate by emailing support@myfigures.com with the subject “Arbitration Opt-Out” within 30 days after you first accept these Terms. Include your full name, the email address on your account, and a clear statement that you want to opt out of arbitration. Opting out doesn’t affect any other part of these Terms.
24.9 Changes to this section
If we make a material change to this section, you may reject the change by emailing us within 30 days after the change takes effect. If you do, the previous version of this section will continue to apply to you.
24.10 Time limit for claims
To the extent permitted by law, any claim must be brought within one year after it arises, or it is permanently barred.
24.11 If this section doesn’t apply
If this Section 24 is found unenforceable in its entirety, or if you opt out, disputes will be resolved in court as described in Section 25.
25. Governing law and venue
These Terms are governed by the laws of the State of Utah, without regard to its conflict-of-law rules, except that the Federal Arbitration Act governs Section 24. Any dispute that is not arbitrated will be resolved exclusively in the state or federal courts located in Utah County, Utah, and you and My Figures consent to personal jurisdiction there. Nothing in these Terms takes away protections you have under the consumer protection laws of the state where you live that can’t be waived by contract.
26. Changes to these Terms
We may update these Terms from time to time. When we do, we will post the updated Terms here and update the “Last updated” date. If a change is material, we will notify you at least 30 days before it takes effect, by email to the address on your account or by a notice in the Services. Changes are not retroactive. If you keep using the Services after the changes take effect, you accept the updated Terms. If you don’t agree, stop using the Services and cancel your subscription before the changes take effect.
27. General terms
Entire agreement. These Terms, the Privacy Policy, and any additional terms for specific features are the entire agreement between you and My Figures about the Services, and they replace any earlier agreements, including any earlier My Figures End User License Agreement.
Assignment. You may not transfer these Terms without our written consent. We may transfer them in connection with a merger, acquisition, reorganization, or sale of assets, or to an affiliate.
Severability and waiver. If any part of these Terms is found unenforceable, the rest stays in effect. If we don’t enforce a provision, that doesn’t waive our right to enforce it later.
Events outside our control. We are not responsible for delays or failures caused by events beyond our reasonable control, including outages at MX, financial institutions, payment processors, or hosting providers, internet failures, cyberattacks, natural disasters, and government actions.
Export controls and sanctions. You may not use the Services if you are located in a country subject to comprehensive U.S. sanctions, or if you appear on any U.S. government list of prohibited or restricted parties. You will comply with all applicable export control, sanctions, and anti-corruption laws.
Independent parties. You and My Figures are independent parties. These Terms don’t create a partnership, joint venture, employment, agency (except the limited agency in Section 9.2), or fiduciary relationship.
Notices. We may send notices to the email address on your account or through the Services. Send legal notices to us at the mailing address in Section 28, with a copy by email.
Interpretation. Headings are for convenience only. “Including” means “including without limitation.” The English version of these Terms controls.
Government users. The Services are “commercial computer software” and “commercial computer software documentation,” and government users receive only the rights granted in these Terms.
California users. Under California Civil Code Section 1789.3, California users may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by phone at (800) 952-5210.
28. Contact us
Questions about these Terms? We’re here to help.
My Figures, Inc.
915 S 500 E, Suite 100
American Fork, UT 84003
Email: support@myfigures.com
Phone: (385) 350-8511 (Monday to Friday, 9:00 a.m. to 5:00 p.m. Mountain Time)
Website: myfigures.com