The terms that bind us
to building this together.

You

The person using the Services.

Third-Party Services

Services provided by third parties (including banks/financial institutions, payment processors, account-data providers, identity/KYC providers, rewards providers, and merchants).

Feature Terms

Additional terms, addenda, disclosures, or rules that apply to specific features (see Section 8).

Linked Account

Any external account you connect to the Services.

Centscape is a technology platform. Centscape is not a bank and does not itself provide banking services.

Certain features may be provided through Third-Party Services, including regulated financial institutions and other vendors. Where a feature is provided by a third party, it may require your agreement to additional terms and/or disclosures.

You must be at least 18 years old (or the age of majority where you live) and able to form a binding contract to use the Services. You represent and warrant that you meet these requirements.

We may limit access to the Services to comply with law, policy, or risk requirements.

You may need an account to use certain features. You agree to:

• Provide accurate and complete information and keep it current.
• Maintain the confidentiality of your credentials.
• Notify us promptly of any unauthorized access or suspected security incident.

You are responsible for all activity under your account, unless prohibited by applicable law.

Centscape may provide functionality such as savings goals, recurring/roundup transfer logic, item-based savings tracking, and rewards/redemption flows.

We may add, modify, suspend, or discontinue any part of the Services at any time. We do not guarantee uninterrupted availability or that any feature will always be available.

Some features may be offered as alpha, beta, pilot, or otherwise pre-release (“Pre-Release Features”). Pre-Release Features are provided as is and may change, be removed, or be discontinued at any time.

Fees (if any) will be disclosed at or before your use of the applicable feature. Third parties may charge separate fees under their own terms.

You are responsible for any taxes that may apply to your use of the Services, including taxes related to rewards, unless required by law otherwise.

When you use features that rely on Third-Party Services, you authorize Centscape to:

• Share information and instructions with relevant third parties as necessary to provide the feature (including identity verification, account linking, transfers, and rewards fulfillment).
• Initiate and transmit transactions or requests consistent with your in-app settings and instructions.
• Receive and display information returned by Third-Party Services.

You are responsible for confirming the accuracy of your instructions (e.g., amounts, timing, destination) before submission.

To comply with law and manage risk, we (or our Third-Party Services) may require identity verification, fraud checks, sanctions screening, or additional information before enabling certain features or processing certain requests.

We may:

• Suspend or limit features pending verification,
• Refuse requests we reasonably believe may be fraudulent or unlawful,
• Impose transaction limits, holds, or restrictions as required by law or Third-Party Services.

Centscape does not provide investment, tax, or legal advice. Content and information within the Services are for general informational purposes only and should not be relied upon as advice.

If the Services include rewards, gift cards, or promotional value:

• Rewards may be subject to eligibility rules, limits, reversals, expiration, and availability.
• Rewards may have no cash value unless explicitly stated.
• We may modify or terminate rewards programs at any time, subject to applicable law and any Feature Terms.
• You are responsible for any tax obligations associated with rewards.

If the Services include referrals:

• Referrals are for personal, lawful use only.
• We may withhold, reverse, or cancel referral benefits if we reasonably suspect abuse, fraud, duplication, or violation of these Terms or Feature Terms.
• Additional referral rules may apply and will be provided as Feature Terms.

You may submit content (e.g., feedback, messages, support requests) (“User Content”). You retain ownership of your User Content, but you grant Centscape a worldwide, non-exclusive, royalty-free license to use, host, store, reproduce, modify (for technical purposes), and display it solely to operate, maintain, and improve the Services.

If you provide suggestions or feedback, you grant us the right to use it without restriction or compensation.

You agree not to:

• Use the Services for illegal activity, fraud, money laundering, or sanctions evasion.
• Attempt unauthorized access, interfere with system integrity, or introduce malware.
• Reverse engineer, scrape, or misuse the Services in a way that violates our policies or harms others.
• Misrepresent identity or submit false information.
• Abuse rewards or referrals (including creating multiple accounts to exploit benefits).

We may investigate violations and take action, including suspension or termination.

Our collection and use of personal information are described in our Privacy Policy. The Privacy Policy is incorporated into these Terms by reference.

The Services and all related content (excluding User Content) are owned by Centscape and/or its licensors and are protected by law. You are granted a limited, non-exclusive, non-transferable, revocable license to use the Services for personal, lawful purposes, subject to these Terms.

You may not copy, modify, distribute, sell, lease, reverse engineer, or create derivative works from the Services except as permitted by law.

We may suspend or terminate your access to the Services if:

• You violate these Terms or applicable Feature Terms,
• We reasonably suspect fraud, security risk, or unlawful activity,
• We are required to do so by law or by Third-Party Service requirements,
• Or we discontinue the Services.

You may stop using the Services at any time. Sections intended to survive (e.g., limitations of liability, arbitration, indemnity) will survive termination.

Except where the FAA applies (including Section 19), these Terms are governed by the laws of the State of Delaware, without regard to conflict of laws rules.

To the maximum extent permitted by law, the Services are provided “as is” and “as available.” We disclaim all warranties, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Services will be uninterrupted, error-free, secure, or free of harmful components.

To the maximum extent permitted by law, Centscape and its affiliates, officers, directors, employees, agents, and suppliers will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or any loss of profits, data, goodwill, or revenue.

Some jurisdictions do not allow certain limitations; in that case, these limits apply to the extent permitted.

You agree to indemnify and hold harmless Centscape and its affiliates, officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys’ fees) arising out of or related to:

• Your use of the Services,
• Your violation of these Terms or Feature Terms,
• Your violation of law or third-party rights,
• Your User Content.

We may update these Terms from time to time. If changes are material, we will provide notice as required by law. The updated Terms will be effective as of the “Last Updated” date. Continued use after the effective date constitutes acceptance, except where we require express consent.

Assignment

You may not assign these Terms without our consent. We may assign them in connection with a merger, acquisition, reorganization, or sale of assets.

Severability

If any provision is unenforceable, the remaining provisions remain in effect.

No Waiver

Failure to enforce a provision is not a waiver.

Entire Agreement

These Terms, the Privacy Policy, and any Feature Terms are the entire agreement between you and Centscape regarding the Services.

Scope of Access

If you connect a Linked Account, you authorize Centscape and applicable Third-Party Services to access and retrieve account information (which may include balances, transactions, account identifiers, and related data) for the purpose of providing the feature you enabled.

Your Responsibility

You are responsible for ensuring you have the right to link the account and that the information you provide is accurate.

Accuracy & Availability

Linked Account data may be delayed, incomplete, or unavailable. Centscape is not responsible for errors originating from Third-Party Services or the financial institution.

Revocation

You may revoke access by unlinking accounts within the app (where available) and/or through the Third-Party Service method provided to you. Revocation may not be immediate.

Credentials

Do not share your Centscape credentials. If a Third-Party Service uses its own authentication flow, you agree to follow their security practices.

Third-Party Processing

Transfers may be executed by Third-Party Services (including regulated financial institutions and/or payment processors). Additional third-party terms and disclosures may apply.

Authorization

By initiating a transfer or enabling recurring transfers, you authorize Centscape (and applicable Third-Party Services) to debit/credit the specified accounts in accordance with your instructions.

Timing

Transfer timing is estimated and may vary due to bank processing, weekends/holidays, risk holds, verification, or third-party outages.

Limits, Holds, Returns

We may impose limits or holds to comply with law, manage risk, prevent fraud, or satisfy Third-Party Service requirements. Transfers may fail or be returned for reasons outside our control (e.g., insufficient funds, incorrect details).

Error Handling

If you believe an error occurred, contact support promptly at tech@centscape.com. Your rights may also be described in any applicable disclosures presented in-app.

Eligibility

Rewards may be conditioned on eligibility rules and may be limited or discontinued.

No Cash Value

Rewards have no cash value unless explicitly stated.

Reversals

We may reverse rewards if a qualifying activity is reversed, refunded, disputed, or found to be fraudulent or abusive.

Third-Party Terms

Gift cards and redemption may be fulfilled by third parties and subject to their terms.

Anti-Abuse

Referrals must be genuine. Duplicate accounts, self-referrals, automated scripts, or other abuse may result in disqualification, reversal, and suspension.

Program Changes

We may modify or terminate the referral program at any time.

Verification

Referral benefits may be delayed pending verification.