Terms of Service

1. Introduction and Agreement

These Terms of Service ("Terms") are a legal agreement between you and Linear Budgeting LLC, doing business as Dineros.cc ("Dineros," "we," "our," or "us").

By creating an account, accessing, or using our website, applications, or related services (collectively, the "Services"), you agree to be bound by these Terms and our Privacy Policy.

If you do not agree, do not use the Services.

2. Eligibility

You must be at least 18 years old and legally capable of entering into a binding contract to use the Services.

You represent and warrant that all information you provide is accurate, current, and complete.

3. Account Registration and Security

• You are responsible for maintaining the confidentiality of your account credentials.
• You are responsible for all activity that occurs under your account.
• You must promptly notify us of unauthorized use or suspected security incidents.
• We may require identity verification and may suspend accounts that present fraud, abuse, or legal risk.

4. Financial Data Services and Third-Party Integrations

Dineros may provide budgeting, forecasting, register tracking, recurring transaction tools, and related account management features.

Some features rely on third-party providers (including Plaid and other infrastructure vendors). Your use of those features may also be subject to third-party terms and privacy policies.

Use of Plaid-powered features is also subject to Plaid legal terms and Plaid's End User Privacy Policy.

We are not responsible for third-party outages, errors, service interruptions, or data delays outside our reasonable control.

5. No Financial, Investment, Tax, or Legal Advice

The Services are provided for informational and organizational purposes only. Dineros does not provide financial planning, investment, accounting, tax, or legal advice.

Any forecasts, projections, insights, or calculations are estimates, may change, and are not guarantees of future outcomes.

6. Acceptable Use

You agree not to:

• Violate any applicable law, regulation, or third-party right.
• Interfere with, disrupt, or attempt unauthorized access to the Services or related systems.
• Upload malicious code, scrape data in violation of these Terms, or abuse our APIs/features.
• Use the Services for fraud, money laundering, or other unlawful activity.

7. Fees, Billing, and Refunds

If paid plans or paid features are offered, pricing and billing terms will be disclosed at the point of purchase.

Unless expressly stated otherwise, fees are non-refundable to the maximum extent permitted by law.

8. Intellectual Property

The Services, including software, designs, trademarks, and content provided by Dineros, are owned by or licensed to us and protected by intellectual property laws.

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use the Services for your personal or internal business purposes.

9. Suspension and Termination

We may suspend or terminate access to the Services, with or without notice, if we reasonably believe you violated these Terms, created legal/security risk, or engaged in misuse.

You may stop using the Services at any time.

10. Disclaimer of Warranties

To the maximum extent permitted by law, the Services are provided "as is" and "as available" without warranties of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant uninterrupted access, complete accuracy, or error-free operation.

11. Limitation of Liability

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

To the maximum extent permitted by law, our total liability for any claims arising out of or related to the Services will not exceed the greater of (a) $100 USD or (b) the amount you paid to Dineros for the Services in the 12 months before the event giving rise to liability.

12. Indemnification

You agree to defend, indemnify, and hold harmless Dineros and its affiliates, officers, directors, employees, and agents from and against claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising from your use of the Services, your violation of these Terms, or your violation of applicable law or third-party rights.

13. Dispute Resolution by Binding Arbitration

Please read this section carefully. Except as expressly provided below, you and Dineros agree to resolve disputes through final and binding individual arbitration, not in court.

Before filing arbitration, the party bringing a claim must provide written notice and a 30-day opportunity to resolve the dispute informally.

If unresolved, arbitration will be conducted by a nationally recognized arbitration provider in English. The arbitrator will have exclusive authority to resolve disputes about arbitrability and interpretation of this arbitration section.

Either party may bring individual claims in small claims court if those claims qualify and remain in that court.

14. Class Action Waiver

To the maximum extent permitted by law, you and Dineros agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff, class member, or representative in any purported class, collective, consolidated, or representative proceeding.

Unless both parties agree otherwise in writing, the arbitrator may not consolidate claims of multiple persons or preside over any form of representative or class proceeding.

15. Arbitration Opt-Out

You may opt out of Sections 13 and 14 by sending written notice within 30 days of first accepting these Terms.

Your notice must include your full name, account email, mailing address, and a clear statement that you are opting out of the arbitration agreement and class action waiver.

Send opt-out notices to: legal@dineros.cc and 5753 Highway 85 North PMB 3496, Crestview, FL 32536.

16. Copyright and DMCA Notice

We respect intellectual property rights and expect users of the Services to do the same. If you believe that content made available through the Services infringes your copyright, you may send a valid Digital Millennium Copyright Act (DMCA) notice and we will respond in accordance with applicable law.

DMCA notices should include sufficient detail to identify the copyrighted work, the allegedly infringing material, and your contact information, along with the statements required by 17 U.S.C. section 512(c)(3).

Designated DMCA agent: legal@dineros.cc, 5753 Highway 85 North PMB 3496, Crestview, FL 32536.

If your content was removed in error, you may submit a counter-notice that complies with 17 U.S.C. section 512(g). We may forward valid counter-notices to the original claimant as permitted by law.

17. Governing Law

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-law principles, except where preempted by federal law (including the Federal Arbitration Act).

18. Changes to These Terms

We may update these Terms from time to time. Updated Terms will be posted on this page with a revised effective date.

If changes are material, we may provide additional notice through the Services or by email.