RetroFin RetroFin

End User License Agreement

Last Updated: April 1, 2026

This End User License Agreement ("EULA") is a legal agreement between you ("User" or "you") and RECOLLECTION LLC ("Company," "we," "us," or "our") for the use of the RetroFin mobile application (the "App"), available on Apple's App Store and Google Play Store.

BY DOWNLOADING, INSTALLING, OR USING THE APP, YOU AGREE TO BE BOUND BY THIS EULA. IF YOU DO NOT AGREE, DO NOT DOWNLOAD, INSTALL, OR USE THE APP.

1. License Grant

Subject to the terms of this EULA, we grant you a limited, non-exclusive, non-transferable, revocable license to download, install, and use the App on a device that you own or control, solely for your personal, non-commercial purposes.

2. License Restrictions

You agree not to:

  • Copy, modify, or distribute the App or any portion thereof.
  • Reverse engineer, decompile, disassemble, or attempt to derive the source code of the App.
  • Rent, lease, lend, sell, sublicense, or otherwise transfer the App or any rights therein to any third party.
  • Remove, alter, or obscure any proprietary notices, labels, or marks on the App.
  • Use the App for any unlawful purpose or in violation of any applicable laws or regulations.
  • Use the App to transmit malicious code, viruses, or any other harmful or destructive content.
  • Use automated systems, bots, or scrapers to access or interact with the App.

3. Intellectual Property

The App, including all content, features, functionality, code, design, and the "RetroFin" name and logo, is owned by RECOLLECTION LLC and is protected by United States and international copyright, trademark, and other intellectual property laws. This EULA does not grant you any ownership interest in the App.

4. Third-Party Services

The App integrates with third-party services, including but not limited to:

  • Plaid Inc. for financial account connections. Your use of Plaid-connected features is subject to the Plaid End User Privacy Policy.
  • Google Firebase for authentication, data storage, and cloud services.

We are not responsible for the practices, content, or availability of these third-party services. Your use of third-party services is at your own risk and subject to their respective terms and policies.

5. Account and Data

  • You are responsible for maintaining the confidentiality of your account credentials.
  • You are responsible for all activity that occurs under your account.
  • You may request deletion of your account and associated data at any time by contacting us at the email provided below or through the App's settings. See our Data Deletion Policy for details.

6. Financial Information Disclaimer

RetroFin is a financial data aggregation and organizational tool provided for informational purposes only. The App does not provide financial, investment, tax, or legal advice. Account balances, transaction data, and net worth calculations displayed in the App are based on data provided by your financial institutions and third-party aggregators, and may not be fully accurate or current. You should not rely solely on the App for financial decision-making.

7. Privacy

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

8. Subscription and In-App Purchases

The App may offer subscription plans or in-app purchases. Payment is processed through the Apple App Store or Google Play Store, as applicable. Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current billing period. You can manage or cancel subscriptions through your device's account settings. Refunds are subject to the policies of Apple or Google, as applicable.

9. Disclaimer of Warranties

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, RECOLLECTION LLC DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY OF DATA. WE DO NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.

10. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT SHALL RECOLLECTION LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE APP, REGARDLESS OF THE THEORY OF LIABILITY. OUR TOTAL AGGREGATE LIABILITY SHALL NOT EXCEED THE AMOUNT YOU HAVE PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.

11. Indemnification

You agree to indemnify, defend, and hold harmless RECOLLECTION LLC and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your use of the App, your violation of this EULA, or your violation of any rights of another.

12. Termination

This EULA is effective until terminated. We may terminate or suspend your access to the App at any time, with or without cause, with or without notice. Upon termination, your license to use the App is immediately revoked. You may terminate this EULA by deleting the App from all your devices.

13. Apple-Specific Terms

If you downloaded the App from the Apple App Store, the following additional terms apply:

  • This EULA is between you and RECOLLECTION LLC, not Apple Inc. RECOLLECTION LLC is solely responsible for the App and its content.
  • Apple has no obligation to provide maintenance or support services for the App.
  • In the event of any failure of the App to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price (if any). Apple has no other warranty obligation with respect to the App.
  • Apple is not responsible for addressing any claims by you or any third party relating to the App or your possession and use of the App.
  • In the event of any third-party claim that the App infringes a third party's intellectual property rights, RECOLLECTION LLC, not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of any such claim.
  • Apple and its subsidiaries are third-party beneficiaries of this EULA. Upon your acceptance of this EULA, Apple will have the right to enforce this EULA against you as a third-party beneficiary.

14. Governing Law and Dispute Resolution

This EULA shall be governed by and construed in accordance with the laws of the State of Utah, United States, without regard to its conflict of law provisions. Any legal action or proceeding arising under this EULA shall be brought exclusively in the federal or state courts located in Davis County or Salt Lake County, Utah.

15. Changes to This EULA

We reserve the right to modify this EULA at any time. If we make material changes, we will notify you by updating the "Last Updated" date at the top of this page. Your continued use of the App after any changes constitutes your acceptance of the revised EULA.

16. Severability

If any provision of this EULA is held to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

17. Entire Agreement

This EULA, together with the Privacy Policy and Terms of Service, constitutes the entire agreement between you and RECOLLECTION LLC regarding the App and supersedes all prior agreements and understandings.

18. Contact Us

If you have any questions about this EULA, please contact us at:

RECOLLECTION LLC
Email: tuogol.inc+retrofin@gmail.com