Terms of Service

Last Updated: December 7, 2025

1. Service Description

Trupocket is an API-first personal finance platform operated by ForceCore LLC, a North Carolina limited liability company. We provide REST API services for managing financial transactions, budgets, accounts, and reports.

Geographic Availability

Trupocket is available only to US residents. We are not focusing on compliance or usability outside of the United States at this time. International support may be added in the future.

Subscription Plans

We offer three subscription plans with different features and limits:

Free Plan - $0/month

• API Calls: 20 per day
• Transactions: 60 per month
• Households: 1 household
• Data Access: 90 days (older data not processed or accessible)
• Webhooks: Not available

Premium Plan - $2.99/month

• API Calls: 1,000 per day
• Transactions: Unlimited
• Households: Unlimited
• Data Access: 2 years (older data not processed or accessible)
• Webhooks: Not available

Developer Plan - $29.99/month

• API Calls: 10,000 per day
• Transactions: Unlimited
• Households: Unlimited
• Data Access: Unlimited (all historical data accessible)
• Webhooks: Available
• Priority Support: Faster response times

2. MVP/Beta Disclaimer

• Rapid Development: Features may change frequently without advance notice
• Potentially Breaking Changes: API endpoints, request/response formats, and features may change (we will provide notice when possible)
• "AS-IS" Service: No uptime guarantees during MVP phase (target 99.9% SLA, but not guaranteed)
• No Warranty: Service provided without warranty of any kind (see Section 10)
• Active Iteration: Bugs, errors, and unexpected behavior may occur

By using Trupocket during this MVP phase, you acknowledge that the service is under active development and accept the risks associated with early-stage software.

3. Account & Billing

Account Requirements

• Must be 18 years or older to create an account
• One account per email address
• Must provide accurate account information
• Responsible for maintaining account security and password confidentiality
• Must be a US resident

Billing & Subscriptions

• Automatic Renewal: Subscriptions renew automatically each month unless canceled
• Payment Processing: All payments processed securely via Stripe
• Price Changes: We may change prices with 30 days advance notice via email
• No Refunds: All sales are final; service continues through end of current billing period
• Cancellation: Cancel anytime; subscription remains active until end of billing period, then downgrades to Free plan

Payment Failure & Grace Period

• If payment fails, you have a 7-day grace period to update payment information
• After 7 days, your account downgrades to Free plan (non-destructive; all data preserved)
• You can upgrade anytime by updating payment method
• Rate limits and data access restrictions apply immediately upon downgrade

Non-Destructive Downgrade

When downgrading from a paid plan to Free plan (whether by cancellation or payment failure), all your data is preserved. However, data older than the Free plan limit (90 days) becomes inaccessible. If you upgrade again, historical data becomes accessible again.

4. API Usage & Rate Limits

Rate Limits by Plan

• Free: 20 API calls per day, 60 transactions per month, 1 household
• Premium: 1,000 API calls per day, unlimited transactions, unlimited households
• Developer: 10,000 API calls per day, unlimited transactions, unlimited households

Rate Limit Enforcement

• Exceeding rate limits results in HTTP 429 (Too Many Requests) responses
• Rate limits reset daily (API calls) or monthly (transactions)
• Repeated violations may result in temporary API blocks or account suspension

API Keys (Future Feature)

API key authentication is not yet implemented. Currently, all API access uses OAuth 2.0 tokens. API keys for the Developer plan will be added in a future release.

5. Acceptable Use Policy

You agree NOT to use Trupocket for any of the following:

Prohibited Activities

• Illegal Activity: Violating any local, state, national, or international law
• Security Breaches: Attempting to breach security, access unauthorized data, or exploit vulnerabilities
• Service Abuse: Scraping, automated abuse, DDoS attacks, or circumventing rate limits
• Account Sharing: Sharing account credentials with unauthorized users
• Reverse Engineering: Reverse engineering the platform code (API usage is encouraged; reverse engineering isn't)
• Spam & Automated Abuse: Sending spam or using automated systems to abuse the service
• Financial Violations: Violating financial regulations in your jurisdiction
• Impersonation: Impersonating others or providing false information
• Interference: Interfering with other users' access to the service
• Harassment: Using the service to harm, threaten, or harass others
• Money Laundering: Using the service for money laundering or terrorist financing

Consequences of Violations

Violations of this Acceptable Use Policy may result in:

• Warning and request to cease prohibited activity
• Temporary suspension of API access
• Immediate account termination (for severe violations)
• Legal action (for illegal activity or security breaches)
• Reporting to law enforcement (if required)

6. Developer Terms

Commercial API Usage

• Developer plan may use the Trupocket API for commercial purposes
• You may build applications, integrations, or services on top of the Trupocket API
• You must respect rate limits and not abuse the service

Attribution Requirements

• Applications using the Trupocket API must display "Powered by Trupocket" attribution
• Exact attribution requirements and placement will be defined in developer documentation

Trademark Restrictions

• You may not use the "Trupocket" trademark or brand assets without permission

API Changes & Communication

• API changes will be communicated via developer newsletter and changelog
• Breaking API changes will have deprecation notice when possible (MVP may have faster changes)
• Subscribe to developer updates at support@trupocket.app

7. Account Termination

Grounds for Termination

We reserve the right to terminate accounts for:

• Violation of these Terms of Service
• Violation of Acceptable Use Policy
• Abuse of service (excessive API calls, attempts to breach security)
• Fraudulent payment activity
• Illegal activity or financial violations
• Impersonation or false information
• Harassment or harm to other users

Termination Process

• 7 days notice when possible (for non-severe violations)
• Immediate termination for severe violations (security breaches, illegal activity, fraud)
• You may export your data before termination (if notice is given)
• Banned users/IP addresses may not create new accounts

No Refunds Upon Termination

If your account is terminated for violating these Terms, you are not entitled to a refund for any unused portion of your subscription.

8. Data Ownership & License

Your Data

• You own your financial data: All transactions, accounts, budgets, and financial information you enter
• You can export your data: Request a full data export at any time via support@trupocket.app
• You can delete your data: Request account deletion at any time (see Privacy Policy)
• You grant Trupocket a license: To store and process your data to provide the service
• You are responsible for accuracy: We are not liable for errors in data you enter

Trupocket Ownership

ForceCore LLC owns:

• The Trupocket platform, code, and API
• Aggregated, anonymized metrics and statistics
• System data and performance metrics
• The "Trupocket" trademark and brand assets
• All documentation, API specifications, and intellectual property

Open-Source Libraries

Trupocket may use open-source libraries and dependencies. These libraries retain their original licenses and are not owned by ForceCore LLC.

9. Future Features & Integrations

Trupocket may introduce additional features in the future, including but not limited to:

• Bank Account Synchronization: Via Plaid, Yodlee, or similar financial data providers
• Additional Third-Party Integrations: Accounting software, tax preparation tools, investment platforms
• Enhanced API Capabilities: Webhooks, GraphQL, real-time data streaming
• Mobile Applications: iOS and Android apps

Terms for Future Features

• Future features may require acceptance of additional terms
• Future features may involve additional third-party services and data sharing
• Future features are provided "as-is" when released (subject to MVP disclaimer)
• Future features may be subject to additional fees
• Future features are not guaranteed and may be modified or discontinued

Bank Synchronization (When Released)

When bank account synchronization is introduced:

• You authorize Trupocket to access your bank accounts via third-party services on your behalf
• Your bank credentials and transaction data will be shared with the financial data provider (Plaid, Yodlee, etc.)
• You will be notified of changes to data sharing practices via email and updated Privacy Policy
• Additional consent and terms will be required before connecting bank accounts

10. Liability & Disclaimers

Service Provided "AS-IS"

Trupocket is provided "AS-IS" without warranties of any kind, including but not limited to:

• No guarantee of accuracy for financial calculations, reports, or insights
• No guarantee of uptime or availability (especially during MVP phase)
• No guarantee of data backup (backup your own data regularly!)
• No warranty of merchantability or fitness for a particular purpose
• No warranty that the service will be error-free or uninterrupted

No Professional Advice or Consulting

Trupocket is a software tool for organizing and tracking financial information. We do not provide professional advice, consulting, or personalized recommendations of any kind.

What Trupocket Is NOT

• Not a financial advisor - We do not provide investment advice, wealth management, or financial planning services
• Not an accountant or bookkeeper - We do not provide accounting services, financial statement preparation, or audit services
• Not a tax professional - We do not provide tax advice, tax preparation, or tax planning services
• Not a legal advisor - We do not provide legal advice or counsel on any matter
• Not a credit counselor - We do not provide credit repair, debt management, or credit counseling services

No Personalized Recommendations

• Any reports, insights, summaries, or AI-generated content are informational only
• We do not analyze your specific financial situation to provide personalized advice
• Automated categorization, budget suggestions, or spending insights are not professional recommendations
• No feature of Trupocket constitutes a recommendation to buy, sell, hold, or take any action regarding investments, assets, or financial products

Consult Qualified Professionals

You should consult with licensed, qualified professionals for advice specific to your situation, including but not limited to:

• Certified Financial Planners (CFP) or registered investment advisors for investment and financial planning decisions
• Certified Public Accountants (CPA) or licensed accountants for accounting, bookkeeping, and financial reporting
• Tax professionals (CPAs, Enrolled Agents, or tax attorneys) for tax preparation, planning, and compliance
• Attorneys for legal matters including contracts, estate planning, and business formation
• Credit counselors from accredited nonprofit agencies for debt management

Your Responsibility

• You are solely responsible for all financial, tax, legal, and business decisions you make
• We are not responsible for any decisions you make based on information in Trupocket
• We are not responsible for any errors, omissions, or inaccuracies in reports, calculations, or insights
• You should independently verify all information before relying on it for important decisions

Limitation of Liability

Maximum liability is limited to the amount you paid to Trupocket in the past 12 months:

• Free Plan: $0 maximum liability
• Premium Plan: $35.88 maximum liability (12 × $2.99)
• Developer Plan: $359.88 maximum liability (12 × $29.99)

No Liability For

Trupocket and ForceCore LLC are not liable for:

• Data loss or corruption (backup your own data!)
• Service interruptions or outages (especially during MVP phase)
• Bugs, errors, or inaccuracies in calculations or reports
• Third-party service failures (Stripe, AWS, Plaid, etc.)
• Security breaches (we implement industry-standard security, but no system is 100% secure)
• Financial losses from decisions made using Trupocket
• Consequential, incidental, or indirect damages
• Lost profits, lost data, or business interruption
• Tax consequences or penalties from using the service

Your Responsibilities

• Backup your own data regularly (we are not responsible for data loss)
• Verify accuracy of all financial calculations before making decisions
• Use strong passwords and protect your account credentials
• Comply with applicable laws and regulations in your jurisdiction
• Keep payment information current to avoid service interruption
• Consult tax professionals for tax-related decisions

11. Dispute Resolution & Arbitration

What is Arbitration?

Arbitration is an alternative dispute resolution method where both parties agree to have a neutral third party (arbitrator) resolve disputes instead of going to court. This means:

• No jury trial - An arbitrator decides the outcome, not a jury
• Limited appeal rights - Arbitration decisions are usually final
• Binding decision - Both parties must accept the arbitrator's decision
• Generally faster and less expensive than court litigation

Informal Resolution First

• For disputes under $500, you must first attempt informal resolution via support@trupocket.app
• Good faith effort required for 30 days before proceeding to arbitration

Mandatory Binding Arbitration

• ALL disputes must be resolved through binding arbitration (not court litigation)
• Arbitration governed by American Arbitration Association (AAA) Consumer Arbitration Rules
• Each party pays own arbitration fees (subject to fee cap below)
• Arbitrator's decision is final and binding
• No jury trial, no court litigation

Arbitration Venue & Accessibility

To make arbitration accessible and fair:

• You may choose arbitration venue: Either your county of residence OR Mecklenburg County, North Carolina
• Remote Options: Arbitration may be conducted via video conference, telephone, or written submissions for your convenience
• Small Claims Option: For disputes under $10,000, arbitration may be conducted entirely through written submissions if you prefer
• No Travel Required: You are not required to travel to North Carolina for arbitration

Fee Protection

To ensure arbitration is accessible regardless of financial means:

• If your total arbitration costs exceed $1,000, Trupocket will cover the difference
• This includes arbitrator fees, filing fees, and administrative costs
• You are still responsible for your own attorney fees (unless the arbitrator awards them)

NO Class Action Lawsuits

• You waive the right to participate in class action lawsuits
• You waive the right to participate in class arbitrations
• All disputes must be brought individually
• This means you cannot join with other users to bring a class action or class arbitration

Governing Law

• Governed by the laws of North Carolina, USA
• Federal Arbitration Act governs the interpretation and enforcement of this arbitration agreement
• Each party pays own legal fees unless otherwise required by law or awarded by arbitrator

Exceptions to Arbitration

Either party may seek relief in court for:

• Intellectual property violations (trademark, copyright infringement)
• Disputes that qualify for small claims court (under your state's small claims limit)
• Injunctive relief to prevent immediate and irreparable harm

Opt-Out Right

You have the right to opt-out of this arbitration agreement:

• Send written notice to: ForceCore LLC, 5821 Fairview Road, Suite 218, Charlotte, NC 28209
• Must be sent within 30 days of first accepting these Terms
• Include your name, email address, and statement that you opt-out of arbitration
• If you opt-out, all other terms still apply, but disputes will be resolved in court

12. Indemnification

You agree to indemnify, defend, and hold harmless ForceCore LLC, its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, liabilities, costs, and expenses (including reasonable attorney fees) arising from or related to:

Your Indemnification Obligations

• Your Use of the Service: Any use or misuse of Trupocket by you or through your account
• Your Violations: Your violation of these Terms of Service or the Acceptable Use Policy
• Your Content: Any data, content, or information you submit to Trupocket
• Applications You Build: Applications, integrations, or services you build using the Trupocket API
• Third-Party Rights: Your violation of any third-party rights, including intellectual property rights, privacy rights, or contractual rights
• Legal Violations: Your violation of any law, regulation, or ordinance
• Other Users: Any harm caused to other Trupocket users through your actions

Survival

This indemnification obligation survives termination of your account and these Terms of Service.

Control of Defense

ForceCore LLC reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by you. You will cooperate fully with ForceCore LLC in the defense of any claim.

13. Changes to Terms

We may update these Terms of Service at any time:

• Material changes: 30 days email notice before effective date
• Non-material changes: Effective immediately, notice via changelog or email
• Continued use = acceptance of new terms
• If you don't agree to changes, you must stop using the service and may cancel your account
• Fast iteration expected during MVP phase (more frequent updates possible)

14. General Legal Provisions

Entire Agreement

These Terms of Service, together with our Privacy Policy, constitute the entire agreement between you and ForceCore LLC. They supersede all prior agreements or understandings.

Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions remain in full force and effect. Invalid provisions will be modified to the minimum extent necessary to make them valid and enforceable.

No Waiver

Failure to enforce any right or provision does not waive that right. We may enforce any provision of these Terms at any time.

Assignment

• You may not transfer your account without our written permission
• We may transfer or assign our rights (e.g., if acquired by another company)
• You will be notified of any assignment that materially affects your rights

Force Majeure

We are not liable for delays or failures due to circumstances beyond our control, including:

• Natural disasters
• Acts of government or regulatory changes
• Network failures or infrastructure outages
• Third-party service failures (AWS, Stripe, etc.)
• Pandemics or public health emergencies

Export Control Compliance

By using Trupocket, you represent and warrant that:

• You are not located in a country subject to US embargo or sanctions
• You are not on any US government restricted parties list (including but not limited to the Specially Designated Nationals list)
• You will not use Trupocket in violation of any US export control laws or regulations
• You will comply with all applicable international export and import laws

Violation of export control laws may result in immediate account termination and legal action.

Contact Information

If you have any questions about these Terms of Service, please contact us:

• Company: ForceCore LLC
• Mailing Address: 5821 Fairview Road, Suite 218, Charlotte, NC 28209
• General Support: support@trupocket.app
• Legal Issues: legal@trupocket.app