Terms of service

These Terms of Service (“Terms”) govern your access to and use of Minturn Money ("Minturn"), an envelope-budgeting application operated by Rocky Mountain Apps LLC (“Rocky Mountain Apps,” “we,” “us,” or “our”). Minturn’s mobile applications, web application, websites, and related services are collectively referred to as the “Service.”

By creating an account, purchasing a subscription, or otherwise using the Service, you agree to these Terms and acknowledge our Privacy Policy. If you do not agree to these Terms, do not access or use the Service.

1. The Service

Minturn is a personal budgeting tool that helps users organize money using virtual envelopes, record and categorize transactions, plan spending, establish savings goals, and manage household budgets.

Minturn is not a bank, financial institution, money transmitter, investment adviser, accounting service, credit-repair organization, or financial-planning service. Minturn does not hold, transfer, invest, or control your money.

Some features may be available only through a paid subscription. Features may differ based on your plan, device, operating system, country, or method of purchase.

We may improve, modify, replace, suspend, or discontinue portions of the Service. When reasonably practicable, we will provide advance notice before making a material change that substantially reduces paid functionality during an active subscription period.

2. Not Financial Advice

Minturn and any educational information made available through the Service are provided for general informational and organizational purposes only.

Nothing in the Service constitutes financial, investment, tax, legal, credit, insurance, or accounting advice. Minturn does not recommend particular investments, transactions, financial products, tax positions, or financial strategies.

You are solely responsible for your financial decisions and should consult an appropriately qualified professional when necessary.

Calculations, projections, suggested allocations, educational materials, and other outputs generated by the Service may be incomplete, inaccurate, or unsuitable for your circumstances. You should independently review all information before relying on it.

3. Eligibility

You must be at least 18 years old and legally capable of entering into a binding contract to create or control a Minturn account.

The Service is not directed to children under 13, and children under 13 may not use the Service or provide personal information through it.

If we learn that an account was created in violation of this section, we may suspend or delete the account and associated information, subject to applicable law and our data-retention obligations.

4. Accounts and Account Security

You agree to provide accurate, current, and complete account information and to keep that information updated.

You are responsible for:

• Maintaining the confidentiality of your login credentials;
• Protecting devices through which your account can be accessed;
• All activity conducted through your account, except to the extent caused by our breach of these Terms or failure to use reasonable security measures; and
• Promptly notifying us if you suspect unauthorized access or use.

You may not impersonate another person, create an account using information you are not authorized to use, transfer your account to another person, or allow others to access your personal account credentials.

Notify us of suspected unauthorized activity at minturn@rockymountainapps.com.

5. Household and Shared Accounts

Certain Minturn plans may allow an account owner or administrator to invite other people to participate in a shared household, family, or budgeting workspace.

The account owner or administrator may be able to:

• Invite and remove members;
• Control member permissions;
• View, edit, export, or delete shared budgeting information;
• Manage the subscription;
• Change household settings; and
• Delete the shared household or account.

By joining a shared household, you understand that other authorized members may be able to view or modify information within that household, including budgets, envelope balances, goals, and transaction information.

Do not add information to a shared household that you do not want other authorized household members to access.

The account owner is responsible for subscription charges associated with the household account and for ensuring that invited members are authorized to participate. Each member remains responsible for their own conduct.

If you leave or are removed from a shared household, you may lose access to information contained in that household. Information you previously added may remain visible to remaining members when it forms part of the household’s shared budgeting records.

Disputes among household members regarding access to or ownership of shared information are the responsibility of those members. We may follow the instructions of the designated account owner or administrator unless applicable law requires otherwise.

6. Free and Paid Plans

Minturn may offer free and paid plans, including plans described as Premium, Ultimate, or by other names.

The features, limits, pricing, and billing intervals associated with each plan will be presented before purchase. We may introduce, rename, modify, or discontinue plans from time to time.

Features described on a pricing page or purchase screen are subject to reasonable technical limitations and these Terms.

7. Subscriptions and Automatic Renewal

Paid subscriptions may be offered on a monthly, annual, or other recurring basis.

Unless otherwise stated at the time of purchase, paid subscriptions automatically renew for successive periods of the same duration until canceled.

By purchasing an automatically renewing subscription, you authorize the applicable payment provider to charge the then-applicable subscription price, plus any applicable taxes, to your selected payment method at the beginning of each billing period until you cancel.

The purchase screen will disclose the subscription price, billing interval, and any applicable trial or introductory offer before you complete your purchase.

You must cancel before the applicable renewal date to avoid being charged for the next subscription period.

Cancellation generally takes effect at the end of the current paid billing period. Unless otherwise required by law or stated by the applicable payment provider, you will retain access to paid features through the end of that period.

Uninstalling Minturn, ceasing to use the Service, or deleting your Minturn account does not necessarily cancel an active subscription. You must cancel the subscription using the method associated with the platform through which you subscribed.

8. Payment Platforms and Subscription Management

The way you manage your subscription depends on where you purchased it.

Web purchases

Subscriptions purchased directly through the Minturn website or web application may be processed by Stripe or another designated payment provider. You can manage or cancel an eligible web subscription through the billing portal available in your account.

Apple App Store purchases

Subscriptions purchased through the Apple App Store are billed and managed by Apple. You must manage cancellations and refund requests through your Apple account or Apple’s applicable subscription-management process.

Google Play purchases

Subscriptions purchased through Google Play are billed and managed by Google. You must manage cancellations and refund requests through your Google Play account or Google’s applicable subscription-management process.

Apple, Google, Stripe, and other payment providers may impose additional terms that apply to your purchase. If their payment or refund terms conflict with these Terms concerning a transaction they process, their applicable transaction terms will control to the extent of that conflict.

We do not receive or store your complete payment-card number when payments are processed by a third-party payment provider.

9. Trials and Promotional Offers

We may offer free trials, discounted introductory periods, promotional pricing, or other special offers.

Eligibility, duration, pricing, conversion terms, and limitations will be disclosed with the applicable offer. Unless otherwise stated, a trial or introductory offer will automatically convert to a paid subscription at the price displayed when you accepted the offer unless you cancel before the trial or promotional period ends.

We may limit promotional offers to new subscribers, particular plans, regions, platforms, or payment methods.

Unless applicable law requires otherwise, only one trial or introductory offer may be redeemed per person, household, account, or payment method.

10. Prices, Taxes, and Price Changes

Subscription prices are presented before purchase and may vary by country, currency, platform, plan, or promotional offer.

Prices may not include applicable sales, use, value-added, or similar taxes. You are responsible for taxes charged in connection with your purchase, except taxes based on our income.

We may change subscription prices. Price changes will apply no earlier than your next renewal after any notice required by applicable law or the applicable payment platform.

Where required, a price change may require your affirmative consent. If you do not consent, your subscription may expire at the end of the then-current billing period.

11. Refunds

Except where required by law or expressly stated otherwise, payments are nonrefundable and we do not provide prorated refunds or credits for partially used subscription periods.

Refund requests for purchases made through the Apple App Store or Google Play are governed by the applicable platform’s refund policies and must generally be submitted to that platform.

For subscriptions purchased directly from us through the web, you may contact minturn@rockymountainapps.com. We may provide refunds or credits at our discretion, but doing so in one instance does not obligate us to do so in another.

Nothing in this section limits refund or cancellation rights that cannot legally be waived.

12. Your Budgeting Data and Content

As between you and Rocky Mountain Apps, you retain your rights in the budgeting data, transaction records, notes, goals, categories, attachments, and other content you submit to the Service (“User Content”).

You grant Rocky Mountain Apps a limited, nonexclusive, worldwide license to host, store, reproduce, process, format, display, transmit, back up, and otherwise use your User Content only as reasonably necessary to:

• Provide and maintain the Service;
• Display your information to you and people you authorize;
• Synchronize information across authorized devices;
• Operate shared household features;
• Provide customer support;
• Protect the security and integrity of the Service;
• Comply with applicable law; and
• Perform other activities described in our Privacy Policy.

This license ends when the relevant User Content is deleted from our active systems, except to the extent that information remains temporarily in backups, must be retained for legitimate legal or security purposes, or has been shared with other household members and remains part of their shared records.

You represent that you have the rights and permissions necessary to submit User Content and authorize us to process it as described in these Terms.

13. Accuracy and Preservation of Your Data

You are responsible for the accuracy, completeness, classification, and timeliness of the information you enter into Minturn.

Minturn may contain calculation errors, synchronization delays, duplicate entries, missing information, or other inaccuracies. You should periodically compare information in Minturn against your bank, credit-card, investment, loan, and other official account records.

Minturn is not an official bank ledger, accounting record, tax record, or substitute for records issued by a financial institution.

Although we may provide synchronization, backup, recovery, or export features, we do not guarantee that User Content will never be lost, corrupted, delayed, or inaccessible.

You are responsible for maintaining independent copies of information that is important to you. Before deleting an account, ending a subscription, or leaving a shared household, you should export any information you wish to retain.

14. Privacy

Our collection, use, storage, sharing, and protection of personal information are described in the Minturn Privacy Policy.

The Privacy Policy is incorporated into these Terms by reference, but it is not intended to limit any rights granted to you under applicable privacy law.

You agree not to submit highly sensitive information that the Service does not request or that is unnecessary for budgeting purposes, such as complete payment-card numbers, account passwords, private cryptographic keys, medical records, or government identification documents.

15. Acceptable Use

You may not use the Service to:

• Violate any applicable law or regulation;
• Engage in fraudulent, deceptive, abusive, threatening, or harmful conduct;
• Impersonate another person or misrepresent your affiliation with any person or organization;
• Access or attempt to access another person’s account without authorization;
• Probe, scan, or test the vulnerability of the Service without written authorization;
• Bypass security, authentication, subscription, usage, or access controls;
• Introduce malware, malicious code, harmful files, or disruptive content;
• Interfere with, overload, damage, or disrupt the Service or its infrastructure;
• Scrape, harvest, or collect information from the Service through unauthorized automated means;
• Reverse engineer, decompile, disassemble, or attempt to derive source code from the Service, except where such a restriction is prohibited by law;
• Copy, sell, sublicense, rent, distribute, or commercially exploit the Service without our written permission;
• Use the Service to develop or train a competing product using unauthorized access to the Service or its nonpublic materials;
• Infringe or violate another person’s intellectual-property, privacy, publicity, or other rights; or
• Help another person engage in any prohibited conduct.

We may investigate suspected misuse and may cooperate with lawful requests from governmental authorities.

16. Our Intellectual Property

The Service and its software, interfaces, designs, text, graphics, logos, icons, trademarks, documentation, educational materials, and other content created or provided by Rocky Mountain Apps are owned by Rocky Mountain Apps or its licensors and are protected by intellectual-property and other laws.

Subject to your compliance with these Terms, we grant you a limited, personal, revocable, nonexclusive, nontransferable, and nonsublicensable license to access and use the Service for your personal and household budgeting purposes.

No rights are granted except those expressly stated in these Terms.

“Minturn,” “Rocky Mountain Apps,” associated logos, and other product or service names may be trademarks of Rocky Mountain Apps LLC. You may not use them without our prior written permission.

17. Feedback

You may voluntarily provide ideas, suggestions, comments, feature requests, or other feedback concerning the Service.

You grant us a perpetual, irrevocable, worldwide, transferable, sublicensable, royalty-free right to use, reproduce, modify, distribute, commercialize, and otherwise exploit that feedback without restriction or compensation to you.

This section does not grant us ownership of your User Content or personal budgeting data.

18. Third-Party Services

The Service may depend on or interact with third-party services, including payment processors, cloud-hosting providers, authentication services, email providers, analytics services, mobile operating systems, and app stores.

We do not control third-party services and are not responsible for their availability, security, accuracy, content, or practices.

Your use of a third-party service may be governed by separate terms and privacy policies. We are not responsible for losses caused solely by a third party outside our reasonable control, except where applicable law provides otherwise.

Links to third-party websites or services do not constitute our endorsement of them.

19. Updates and Device Requirements

You are responsible for obtaining compatible devices, software, internet access, and telecommunications services needed to use Minturn.

We may release updates, patches, or new versions of the Service. Some updates may be required to continue using the Service or to protect its security.

Older devices, operating systems, browser versions, or application versions may not support all features. We are not required to support a particular device or software version indefinitely.

You are responsible for any data, internet, mobile-carrier, or device charges incurred while using the Service.

20. Beta and Experimental Features

We may identify certain features as beta, preview, early access, experimental, or similar terms.

These features may be incomplete, inaccurate, unstable, or subject to additional limitations. They may be changed or discontinued at any time and may not be suitable for use with important financial information.

Your use of beta or experimental features is at your own risk.

21. Electronic Communications

By creating an account or using the Service, you consent to receive account-related communications electronically, including security notices, service announcements, billing notices, subscription notices, legal notices, and updates to these Terms or the Privacy Policy.

We may provide communications by email, through the Service, by push notification, or by posting them on our website.

You are responsible for keeping your email address and other contact information current.

Marketing communications are subject to applicable law, and you may unsubscribe from promotional emails using the instructions provided in those communications. You may continue to receive transactional, security, billing, and legal notices even after opting out of marketing messages.

22. Suspension and Termination by Us

We may suspend, restrict, or terminate your access to some or all of the Service if:

• You materially or repeatedly violate these Terms;
• Your use creates a security, legal, or operational risk;
• Your payment is overdue, declined, reversed, or disputed;
• We reasonably suspect fraud or unauthorized activity;
• We are required to do so by law or a governmental authority;
• We discontinue the Service; or
• Suspension is reasonably necessary to protect users, third parties, or the Service.

When circumstances permit, we will provide notice and a reasonable opportunity to correct the issue before termination. We may act immediately when necessary to prevent harm, address fraud, respond to a security incident, or comply with law.

Termination of your Minturn account does not automatically cancel a subscription managed through Apple, Google, or another third-party payment platform.

23. Closing Your Account

You may stop using the Service at any time and may request account deletion through the Service or by contacting us.

Before deleting your account, you should export any information you wish to retain.

Account deletion may be permanent. Once deletion is processed, we may be unable to restore your budgets, transactions, goals, settings, or household information.

We may retain limited information after deletion when reasonably necessary to comply with law, resolve disputes, prevent fraud, enforce agreements, maintain security, process financial records, or complete backup-retention cycles, as described in our Privacy Policy.

24. Effect of Termination

When these Terms or your account terminate, your license to use the Service ends.

Sections concerning ownership, feedback, payment obligations, disclaimers, limitations of liability, indemnification, dispute resolution, and other provisions that by their nature should survive will remain in effect.

Termination does not relieve either party of obligations that arose before termination.

25. Disclaimers

To the maximum extent permitted by applicable law, the Service is provided “as is” and “as available.”

Rocky Mountain Apps disclaims all warranties and conditions, whether express, implied, or statutory, including warranties of merchantability, fitness for a particular purpose, title, non-infringement, quiet enjoyment, accuracy, availability, and security.

We do not warrant that:

• The Service will always be available, uninterrupted, timely, secure, or error-free;
• All errors or defects will be corrected;
• The Service will meet your particular needs;
• Calculations, recommendations, projections, or educational information will be accurate or appropriate;
• Data will always synchronize correctly or be preserved;
• The Service will be free of harmful components; or
• Use of the Service will produce any particular financial result.

You assume responsibility for evaluating information obtained through the Service and for maintaining appropriate copies of important records.

Some jurisdictions do not allow the exclusion of certain warranties, so some exclusions may not apply to you.

26. Limitation of Liability

To the maximum extent permitted by applicable law, Rocky Mountain Apps LLC and its owners, officers, employees, contractors, affiliates, licensors, and service providers will not be liable for any:

• Indirect, incidental, special, consequential, exemplary, or punitive damages;
• Loss of profits, revenue, business opportunities, goodwill, or anticipated savings;
• Financial decisions, missed payments, overdrafts, late fees, penalties, tax consequences, or investment losses;
• Loss, corruption, disclosure, or inability to access data;
• Unauthorized access to an account not caused by our failure to use reasonable security measures; or
• Damages arising from third-party services or events outside our reasonable control.

These limitations apply regardless of the legal theory asserted and even if we were advised that such damages were possible.

To the maximum extent permitted by law, the total aggregate liability of Rocky Mountain Apps LLC for all claims arising out of or relating to the Service or these Terms will not exceed the greater of:

1. The total amount you paid directly to Rocky Mountain Apps for the Service during the 12 months preceding the event giving rise to the claim; or
2. One hundred U.S. dollars.

The exclusions and liability cap in this section do not apply to liability that cannot lawfully be excluded or limited.

Some jurisdictions do not permit certain limitations of liability, so portions of this section may not apply to you.

27. Indemnification

To the maximum extent permitted by applicable law, you agree to defend, indemnify, and hold harmless Rocky Mountain Apps LLC and its owners, officers, employees, contractors, and affiliates from third-party claims, liabilities, damages, judgments, losses, and reasonable expenses, including reasonable attorneys’ fees, arising from:

• Your unlawful or intentionally wrongful use of the Service;
• User Content you submit that infringes another person’s rights;
• Your material violation of these Terms; or
• Your fraud, willful misconduct, or unauthorized use of another person’s account or information.

Your indemnification obligation does not apply to the extent a claim was caused by Rocky Mountain Apps’ negligence, willful misconduct, or violation of law.

We reserve the right to control the defense and settlement of an indemnified claim. You agree to reasonably cooperate with the defense. We will not settle a claim in a manner that imposes an admission of wrongdoing or nonmonetary obligation on you without your consent.

28. Governing Law and Dispute Venue

These Terms and any dispute arising out of or relating to these Terms or the Service are governed by the laws of the State of Colorado, without regard to its conflict-of-laws principles.

Except where applicable law provides otherwise, any legal action arising out of or relating to these Terms or the Service must be brought exclusively in the state courts located in El Paso County, Colorado, or in the United States District Court for the District of Colorado.

You and Rocky Mountain Apps LLC consent to the personal jurisdiction of those courts and waive objections based on inconvenient forum or improper venue.

Nothing in these Terms limits consumer-protection, privacy, cancellation, or other rights that cannot lawfully be waived under the laws applicable to you.

29. Informal Dispute Resolution

Before filing a legal claim, you and Rocky Mountain Apps agree to make a reasonable, good-faith effort to resolve the dispute informally.

You may begin this process by sending a written description of the dispute, the relief requested, and the contact information associated with your account to:

Email: minturn@rockymountainapps.com
Mail: Rocky Mountain Apps LLC, 1500 N Grant St #10720, Denver, CO 80203

We will attempt to respond within 30 days after receiving a sufficiently detailed notice.

This informal process does not prevent either party from seeking urgent injunctive relief, filing a claim before a limitations period expires, or exercising rights that cannot legally be conditioned on informal resolution.

30. Changes to These Terms

We may update these Terms to reflect changes to the Service, our business practices, applicable laws, security requirements, or other legitimate operational needs.

When we update the Terms, we will revise the “Last updated” date.

For material changes, we will provide reasonable advance notice through the Service, by email, or through another appropriate method before the changes take effect, unless an immediate change is required for legal, regulatory, fraud-prevention, or security reasons.

The updated Terms will apply prospectively from their effective date. They will not retroactively change the rules governing a dispute that arose before the updated Terms became effective unless applicable law permits and the parties expressly agree.

Your continued use of the Service after revised Terms become effective constitutes acceptance of the revised Terms. If you do not agree, you must stop using the Service and cancel any active subscription.

31. Assignment

You may not assign or transfer these Terms or your account without our prior written permission.

We may assign these Terms, in whole or in part, in connection with a merger, acquisition, financing, corporate reorganization, sale of assets, transfer of the Service, or operation of law.

Any attempted assignment contrary to this section is void.

32. Force Majeure

We are not responsible for delay or failure to perform caused by circumstances beyond our reasonable control, including natural disasters, severe weather, fire, war, terrorism, civil unrest, labor disputes, governmental actions, internet or telecommunications failures, utility outages, cloud-provider outages, cyberattacks, epidemics, or failures of third-party infrastructure.

This section does not excuse payment obligations that arose before the event or obligations that cannot legally be excluded.

33. Severability

If any provision of these Terms is found invalid, illegal, or unenforceable, that provision will be enforced to the maximum extent permitted by law or modified as necessary to make it enforceable.

The remaining provisions will remain in full force and effect.

34. No Waiver

A party’s failure or delay in enforcing a provision of these Terms does not waive the right to enforce it later.

A waiver is effective only if made in writing by the party granting it.

35. Entire Agreement

These Terms, the Privacy Policy, and any additional terms expressly presented and accepted in connection with a particular feature or purchase constitute the entire agreement between you and Rocky Mountain Apps concerning the Service.

They supersede prior or contemporaneous communications and agreements concerning the same subject matter.

If additional feature-specific or purchase-specific terms conflict with these Terms, the additional terms will control solely with respect to that feature or purchase.

36. Headings and Interpretation

Section headings are provided for convenience and do not affect interpretation.

Words such as “including” mean “including without limitation.” The singular includes the plural when appropriate, and references to written notices include permitted electronic communications. These Terms will not be interpreted against either party merely because that party drafted them.

37. Contact Us

Questions about these Terms may be sent to:

Rocky Mountain Apps LLC
Email: minturn@rockymountainapps.com
Mailing address: 1500 N Grant St #10720, Denver, CO 80203
Website: minturnmoney.com