Terms of Service

I. Acceptance of Terms

These Alto Money Terms of Service (the "Terms") are a legal agreement between you, as a current or prospective user of the Services, and Alto Money, Inc. ("Company," "we," "us," or "our"), and governs your use of Alto Money, a consumer finance platform, which includes mobile applications, websites, software, and other products and services (the "Service"), offered by the Company.

By accessing or using Alto Money, you ("User," "you," or "your") agree to be bound by these Terms of Service. If you are using the Service on behalf of a business or entity, you acknowledge and agree that you have authority to bind such business or entity and that such business or entity accepts these terms.

If you do not agree to these Terms, do not use the Service.

II. Description of Alto Money Service

Alto Money is a consumer finance application that provides:

• Credit card recommendations for specific transactions and businesses to maximize rewards and benefits
• Discovery of time-sensitive promotions and offers for your existing credit cards
• Transaction analysis and optimization showing how past transactions could have been improved to maximize points and rewards
• New credit card recommendations based on your current portfolio to unlock the most value
• Credit card comparison tools and detailed card information database
• Points and rewards maximization strategies and calculations

ALTO MONEY IS A FINANCIAL INFORMATION AND RECOMMENDATION SERVICE, NOT A FINANCIAL INSTITUTION. We do not issue credit cards, provide banking services, or make loans.

III. Important Financial Disclaimers and Liability Limitations

3.1 No Guarantee of Accuracy

THE INFORMATION, RECOMMENDATIONS, AND DATA PROVIDED THROUGH ALTO MONEY ARE FOR INFORMATIONAL PURPOSES ONLY AND MAY NOT BE 100% ACCURATE, COMPLETE, OR CURRENT.

We aggregate data from various sources, including third-party providers, and while we strive for accuracy, we cannot guarantee that all information is correct, up-to-date, or applicable to your specific situation.

Credit card terms, benefits, fees, interest rates, and promotional offers change frequently and without notice. The information displayed in Alto Money may not reflect the most current terms offered by financial institutions. Always verify current terms directly with the credit card issuer before applying or making decisions.

3.2 Not Financial Advice

THE SERVICE PROVIDES GENERAL INFORMATION AND SUGGESTIONS BUT DOES NOT CONSTITUTE FINANCIAL, INVESTMENT, TAX, OR LEGAL ADVICE.

You should consult with qualified professionals before making any financial decisions. Our recommendations are algorithmic suggestions based on available data and should not be considered personalized financial advice.

3.3 No Guarantee of Approval or Benefits

WE DO NOT GUARANTEE THAT YOU WILL BE APPROVED FOR ANY CREDIT CARD WE RECOMMEND, NOR DO WE GUARANTEE THAT YOU WILL RECEIVE THE BENEFITS, POINTS, OR REWARDS SUGGESTED BY OUR CALCULATIONS.

Approval and benefits depend on factors beyond our control, including your creditworthiness and the issuer's current policies.

3.4 Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

3.5 Limitation of Damages

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL THE COMPANY BE LIABLE FOR ANY INDIRECT, PUNITIVE, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR EXEMPLARY DAMAGES, INCLUDING WITHOUT LIMITATION DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES ARISING OUT OF OR RELATING TO THE USE OF THE SERVICE, REGARDLESS OF THE THEORY OF LIABILITY, EVEN IF THE COMPANY HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

3.6 Cap on Liability

OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) $100 OR (B) THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

IV. User Account and Eligibility

4.1 Eligibility Requirements

To use Alto Money, you must:

• Be at least 18 years old and the age of majority in your state of residence
• Be a resident of the United States
• Have the legal capacity to enter into this agreement
• Provide accurate and complete registration information

4.2 Account Registration

To access certain features, you must create an account. You agree to:

• Provide true, accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your login credentials secure and confidential
• Immediately notify us of any unauthorized use of your account

4.3 Account Security

You are solely responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. We are not responsible for any losses arising from unauthorized use of your account if you have failed to maintain appropriate security measures.

V. User Responsibilities and Conduct

5.1 Prohibited Uses

You may not use Alto Money to:

• Violate any applicable laws or regulations
• Impersonate any person or entity or provide false information
• Interfere with or disrupt the Service or our servers
• Attempt to gain unauthorized access to the Service or other users' accounts
• Use automated means to access the Service without our express written permission
• Reverse engineer, decompile, or disassemble any part of the Service
• Engage in any activity that we reasonably believe could be used to defraud us or any third party

5.2 Compliance with Card Network Rules

If you link credit cards to the Service, you agree to comply with all applicable payment card network rules and regulations.

5.3 Accurate Information

You agree to provide accurate information about your financial accounts and spending patterns to ensure our recommendations are relevant to your situation.

VI. Data Privacy and Security

We collect and process personal and financial information as described in our Privacy Policy, which is incorporated into these Terms by reference. By connecting your financial accounts, you authorize us to access your transaction data through secure, encrypted connections with third-party data aggregators.

VII. Credit Card Information and Recommendations

Credit card information is obtained from various sources, including card issuers, third-party data providers, and public information. WE DO NOT GUARANTEE THE ACCURACY, COMPLETENESS, OR TIMELINESS OF ANY CREDIT CARD INFORMATION.

VIII. Transaction Analysis Features

Our transaction analysis features show how past purchases could have been optimized. This analysis is based on historical data and current card benefits, which may not reflect the terms available at the time of your original transaction.

IX. Third-Party Services and Content

The Service relies on data from third-party sources, including financial institutions, data aggregators, and other service providers. We are not responsible for the accuracy, availability, or reliability of third-party data.

X. Intellectual Property

All content, features, and functionality of the Service, including but not limited to text, graphics, logos, algorithms, and software, are owned by the Company and are protected by copyright, trademark, and other intellectual property laws.

XI. Subscription and Payment Terms

Certain features of the Service may require a paid subscription. Subscription terms, including pricing and billing cycles, will be clearly disclosed before purchase.

XII. Account Termination

You may terminate your account at any time by following the instructions in the Service or by contacting us directly.

XIII. Regulatory Compliance

We strive to comply with applicable financial regulations, but Alto Money is not regulated as a financial institution. We do not provide banking services, issue credit, or make loans.

XIV. Changes to Terms

We may amend these Terms at any time with notice that we deem to be reasonable under the circumstances, by posting the revised version on our website, or by communicating it to you through the Service.

XV. Dispute Resolution and Error Reporting

If you notice any errors or problems with the Service, please contact us at support@altomoney.app or through the in-app support function.

XVI. Recovery of Funds

You authorize the Company to recover any amounts you owe us by debiting funds from any payment method you have provided to us, including through subscription payments or other transactions.

XVII. Other Legal Terms

These Terms are governed by the laws of Delaware, without regard to conflict of law principles. If you have questions about these Terms, please contact us at support@altomoney.app.