The deal between you and Gumdrop.

These are the rules for using Gumdrop. By creating an account or using the app, you agree to them. We'll keep this short and human where we can.

1. What Gumdrop is

Gumdrop is a personal budgeting app. It helps you track the money you earn and spend, set category limits, and work toward savings goals. With your permission, Gumdrop connects to your bank, credit card, and brokerage accounts through our partner Plaid to import transactions and balances automatically. You can also enter transactions manually. We are not a bank, we don't hold your money or move it between accounts.

Gumdrop is not financial, tax, legal, or investment advice. It's a tool. Decisions you make based on what you see in Gumdrop are yours. If you need professional advice, please talk to a qualified professional.

2. Your account

• You need to be at least 13 years old to use Gumdrop.
• You're responsible for keeping your email and password secure. Don't share your credentials.
• You're responsible for everything that happens under your account. If something looks off, email us.
• One person per account. Don't create multiple accounts to circumvent limits or abuse features.

3. Acceptable use

You agree not to:

• Reverse-engineer, decompile, or scrape the app or API.
• Interfere with other users, attempt to access data that isn't yours, or probe for vulnerabilities without our permission.
• Upload content that's illegal, harassing, or infringes someone else's rights.
• Use Gumdrop to launder money, commit fraud, or for anything else unlawful.

If you find a security issue, please email shray@gumdropmoney.com , we appreciate responsible disclosure and will get back to you quickly.

4. Your content

The transactions, categories, and notes you enter into Gumdrop belong to you. You grant us a limited license to store, process, and display that content solely to provide the service. We don't use it to train AI or for any purpose other than making Gumdrop work for you.

5. Our content

The Gumdrop name, logo, the Gumi mascot, and the app and website code and design belong to us. You can use the service as intended, you can't copy the brand or resell the app.

6. Service availability

Gumdrop is in early access. Features may change, move, or temporarily break. We don't promise uptime, backups, or continued availability. If we need to shut down the service, we'll give you reasonable notice and an opportunity to export your data.

7. Disclaimers

Gumdrop is provided "as is" and "as available." To the fullest extent permitted by law, we disclaim all warranties, express or implied, including accuracy, merchantability, fitness for a particular purpose, and non-infringement.

Specifically: we don't warrant that Gumdrop is error-free, that every calculation is correct for your specific circumstances, or that it meets any regulatory requirement that may apply to you.

8. Limitation of liability

To the fullest extent permitted by law, in no event will Gumdrop, its operators, or its contributors be liable for any indirect, incidental, special, consequential, or punitive damages, including lost profits, lost savings, or lost data , arising out of your use of the service.

Our total aggregate liability for any claim related to Gumdrop is limited to the amount you paid us in the 12 months before the claim, or $50 USD, whichever is greater.

9. Pricing and payment

Gumdrop is free during early access. If and when we introduce paid plans, we'll give you notice before anything is charged to you, and your existing data will remain accessible.

10. Termination

You can stop using Gumdrop and delete your account at any time from Settings → Delete account.

We can suspend or terminate accounts that materially violate these terms. We'll give notice where feasible unless the violation is severe or legally risky to continue.

11. Privacy

Your use of Gumdrop is also governed by our Privacy Policy, which is incorporated here by reference.

12. Governing law

These terms are governed by the laws of the State of Delaware, without regard to conflict-of-laws principles. Any dispute will be resolved in the state or federal courts in Delaware, and you consent to personal jurisdiction there.

13. Changes to these terms

We may update these terms over time. If we make material changes we'll update the effective date above and send a heads-up email to active users. If you continue to use Gumdrop after a change takes effect, you accept the new terms.