Terms of Service

1. Introduction

Welcome to MoneyPilot.

These Terms of Service (the "Terms") govern your access to and use of MoneyPilot's website(s), web app, and related services (the "Service"). By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

Company and Contact Information

• Service Provider: BLOOM PROCESSING LLC
• Business Address: 30N Gould St Ste R, Sheridan WY 82801, USA
• Support Email: support@moneypilot.com
• Support Hours: Mon-Fri, 9am-5pm ET (excluding holidays)

Payments

Payments for MoneyPilot subscriptions are processed by OpenPay (a third-party payment processor). You authorize us and OpenPay to charge your selected payment method in accordance with your plan and these Terms.

2. Definitions

• "MoneyPilot," "we," "us," "our": the company operating the Service.
• "User," "you," "your": anyone who accesses or uses the Service.
• "Content": all text, data, settlement listings, estimates, tools, and materials shown through the Service.
• "Settlement" / "Claim Opportunity": a class action settlement, refund program, or similar opportunity that may allow eligible consumers to submit a claim to a third party (usually a settlement administrator).

3. Eligibility

By using the Service, you represent and warrant that:

• You are at least 18 years old (or the age of majority where you live).
• You have the legal capacity to enter into these Terms.
• You will comply with all applicable laws and regulations.
• You will not use the Service for fraudulent or unlawful purposes.

4. Account Registration and Security

You may need to create an account to access paid features. You agree to:

• Provide accurate and complete information.
• Keep your login credentials secure.
• Notify us promptly if you believe your account has been compromised.

You are responsible for all activity under your account.

5. What MoneyPilot Does

MoneyPilot is designed to help users discover and understand potential claim opportunities and, over time, provide more tooling around tracking and automation.

Today, the Service may include:

• Curated claim opportunities and summaries in plain language.
• Links or directions to official claim submission pages operated by third parties.
• Basic tracking features inside the app.

Important: In many cases, claims are submitted on third-party websites, and MoneyPilot does not control those sites or their outcomes.

6. Not a Law Firm; No Legal or Financial Advice

MoneyPilot is not a law firm, is not a settlement administrator, and does not provide legal advice. Information provided through the Service is for general informational purposes only and should not be treated as legal, tax, or financial advice. If you need advice, consult a qualified professional.

7. No Guarantee of Payouts, Eligibility, or Timing

Class action settlements and refunds are controlled by courts, settlement administrators, and other third parties. Because of that:

• We do not guarantee you are eligible for any settlement.
• We do not guarantee you will receive money, or any specific amount.
• We do not control deadlines, approval decisions, or payout timing.
• Any payout ranges, estimates, or "up to" amounts shown in the Service are estimates and may be wrong.

You are responsible for reading and complying with the official settlement terms and instructions on the administrator's website.

8. Subscriptions, Plans, and Billing

• Subscription Service: If you purchase a subscription, you are enrolling in a recurring subscription that automatically renews unless you cancel before renewal.
• Billing Cycle: MoneyPilot may offer subscription terms such as monthly, quarterly (3 months), or semiannual (6 months). Your plan renews at the end of your selected billing period.
• Auto-Renewal: By subscribing, you authorize us (via OpenPay) to charge your payment method at the start of each billing period, including any applicable taxes.
• Statement Descriptor: Charges may appear on your billing statement as MoneyPilot or a similar descriptor.
• Price Changes: We may change prices with at least 30 days' notice (for example by email or in-app notice). If you do not agree, you must cancel before the new price takes effect.
• Failed Payments: If your payment method fails, we may suspend or terminate your access after one or more retry attempts. You remain responsible for any amounts due.

9. Trials, Discounts, and Promotions

If we offer promotional pricing, discounts, or trial periods:

• Promotions apply only as described at the time of purchase.
• Unless clearly stated otherwise, your subscription renews at the then-current standard rate after the promotional period ends.
• You are responsible for canceling before renewal if you do not want to continue.

10. Cancellation

You can cancel your subscription at any time.

How to cancel:

• Log in to your account and use the cancellation flow inside the app (if available), or
• Email support@moneypilot.com from the email address on your account.

Processing time: We aim to process cancellation requests within 2 business days.

Access after cancellation: You will continue to have access until the end of your current paid billing period. You will not be charged again after successful cancellation.

11. Refund Policy

MoneyPilot's default policy is:

• Subscription fees are non-refundable once a billing period begins, except where required by law.
• If you believe you were charged in error (duplicate charge, incorrect amount, or cancellation not applied), contact support@moneypilot.com and we will investigate.

12. User Responsibilities and Prohibited Conduct

You agree that you will not:

• Submit false, misleading, or fraudulent information in connection with any claim.
• Impersonate another person or submit claims on behalf of someone without permission.
• Attempt to probe, scan, or test the vulnerability of the Service.
• Reverse engineer, scrape, or misuse the Service except as permitted by law.
• Use the Service in a way that violates any law, court order, or settlement terms.

We can suspend or terminate accounts involved in suspected fraud or abuse.

13. Privacy and Data

Our Privacy Policy explains how we collect, use, and protect data. In general:

• We aim to collect only what is needed to operate the Service.
• We do not store raw card numbers (payments are handled by OpenPay).
• We do not ask for or store your bank account or routing numbers for settlement payouts.

You should read the Privacy Policy before using the Service.

14. Third-Party Sites and Services

The Service may link to third-party websites (including official settlement administrator sites). We do not control third parties and are not responsible for:

• Their content, accuracy, or availability
• Their privacy practices
• Claim acceptance decisions or payouts

Your use of third-party services is at your own risk and subject to their terms.

15. Intellectual Property

All rights, title, and interest in the Service and Content (excluding content you submit) are owned by MoneyPilot or its licensors and are protected by applicable intellectual property laws. You may not copy, distribute, modify, or create derivative works from our Service or Content without written permission.

16. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, 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 Service will be uninterrupted, accurate, or error-free.

17. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• MONEYPILOT WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.
• OUR TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED THE AMOUNT YOU PAID TO MONEYPILOT IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM (OR, IF LOWER, YOUR MOST RECENT SUBSCRIPTION PAYMENT).

Some jurisdictions do not allow certain limitations, so these limits may not apply to you in full.

18. Indemnification

You agree to indemnify and hold harmless MoneyPilot and its officers, directors, employees, and contractors from any claims, damages, liabilities, and expenses (including attorneys' fees) arising from:

• Your misuse of the Service
• Your violation of these Terms
• Your submission of fraudulent or unauthorized claims
• Your violation of any third-party rights

19. Binding Arbitration Agreement

You and MoneyPilot agree that any and all disputes, claims or controversies of every kind and nature between you and the Company ("Claims") shall be submitted to binding arbitration. Such Claims include, but are not limited to, disputes arising out of or relating to interpretation or application of this arbitration provision, including the enforceability, revocability, or validity of the arbitration provision or any portion of the arbitration provision.

BY AGREEING TO THIS ARBITRATION PROVISION, YOU ARE GIVING UP YOUR RIGHT TO GO TO COURT, INCLUDING YOUR RIGHT TO A JURY TRIAL. In the arbitration provided for in this provision, a dispute is resolved by a neutral arbitrator, rather than by a judge or jury. ANY CONTROVERSY CONCERNING THE VALIDITY, ENFORCEABILITY, REVOCABILITY AND SCOPE OF THIS AGREEMENT TO ARBITRATE SHALL BE DETERMINED BY THE ARBITRATOR AND NOT BY THE COURT. THIS ARBITRATION CONTRACT IS MADE PURSUANT TO A TRANSACTION IN INTERSTATE COMMERCE AND ITS INTERPRETATION, APPLICATION, ENFORCEMENT AND PROCEEDINGS HEREUNDER, INCLUDING ENFORCEMENT OF ANY RESULTING AWARD, SHALL BE GOVERNED BY THE FEDERAL ARBITRATION ACT ("FAA").

Exceptions

A. Small Claims. Notwithstanding the foregoing, either party may choose to pursue their Claims in small claims court (rather than arbitration) where jurisdiction and venue over the Company and you are proper, and where the claim does not include a request for any type of equitable relief, and so long as the matter advances on an individual (non-class) basis.

B. Temporary or Preliminary Injunctive Relief. Notwithstanding the foregoing, either party may seek temporary or preliminary injunctive relief in court. The proceeding shall be limited to determining the appropriateness of preliminary or injunctive relief only and only with respect to the claim for which such relief is sought. Any decision rendered by the court shall then be subject to review by the arbitrator should the seeking party pursue permanent injunctive relief or other Claims in arbitration.

Arbitration Opt-Out

Agreeing to this arbitration is not a mandatory condition of your contractual relationship with the Company. If you do not want to be subject to this arbitration provision, you may opt out. To do so send written notice of your decision to Us to the contact information provided herein. The opt-out notice must state that you do not agree to this agreement to arbitrate and must include your name, address, phone number and email address(es) used to register with or use the Service, as well as the name, address, phone number and email address(es) of any person for whom you are opting out as their agent. You and any persons for whom you are opting out as an agent on their behalf must sign the opt-out notice for it to be effective.

The required opt out must be sent within thirty (30) days of your first use of either the Service, or the related Content, or if you are already a user of the Service or related Content upon initial posting of this arbitration provision, within 30 days of the posting of this arbitration provision. Any opt-out not received within the applicable 30-day period set forth above will not be valid.

For existing users bound by a prior arbitration provision with the Company for which they did not opt out, any opt out exercised within 30 days of the posting of this arbitration provision, shall only apply to this arbitration provision. Your existing arbitration provision with the Company will remain in full force and effect. Moreover, neither your acceptance of this Agreement nor your decision to opt out of this arbitration provision will affect any obligation you have to arbitrate disputes not specified in this arbitration provision pursuant to any other agreement you have with the Company.

20. Class Action Waiver

Separate and apart from the agreement to arbitrate set forth above and to the maximum extent permitted by law, the parties hereby independently waive any right to bring or participate in any class action, private attorney general action, or other representative action, however denominated, in any way for any Claims against the other.

Important Distinction: This Class Action Waiver applies only to disputes between you and MoneyPilot. It does not affect your rights to participate in or file claims in class action settlements against third parties, which is a core service that MoneyPilot provides to help you with.

21. End User License Agreement and Claim Filing Authorization

This End User License Agreement ("EULA") sets forth the terms under which MoneyPilot may assist you in identifying, preparing, and submitting claims to class action settlement administrators, including but not limited to Kroll Settlement Administration, Epiq, JND Legal Administration, Atticus Administration, and similar entities.

21.1 Grant of Limited Authorization

By using the Service and opting into any claim filing assistance feature, you hereby grant MoneyPilot a limited, revocable authorization to act as your authorized representative for the specific and limited purpose of:

• Identifying class action settlements for which you may be eligible based on information you provide;
• Preparing claim forms on your behalf using information you have provided and authorized us to use;
• Submitting claim forms electronically or by mail to settlement administrators on your behalf;
• Receiving correspondence, status updates, and communications from settlement administrators regarding your claims;
• Responding to deficiency notices or requests for additional information from settlement administrators, subject to your approval where required;
• Tracking the status of your submitted claims and providing you with updates.

This authorization constitutes a limited power of attorney solely for the purposes described herein and does not create an attorney-client relationship. MoneyPilot is not a law firm and does not provide legal advice.

21.2 User Representations and Warranties

By authorizing MoneyPilot to file claims on your behalf, you represent and warrant that:

• Identity: You are the individual or authorized representative of the entity for whom the claim is being filed;
• Accuracy: All information you provide to MoneyPilot for the purpose of filing claims is true, accurate, complete, and not misleading;
• Eligibility: To the best of your knowledge, you meet the eligibility criteria for the settlement(s) for which you are submitting claims, as described in the official settlement notices;
• No Duplicate Claims: You have not previously submitted a claim for the same settlement, either directly or through another service, unless permitted by the settlement terms;
• Authority: You have full legal authority to grant this authorization and to bind yourself to these terms;
• No Fraud: You will not use the Service to submit fraudulent, false, or misleading claims;
• Compliance: You will comply with all applicable laws, regulations, and the specific terms of each settlement for which you submit a claim.

21.3 Information Accuracy and Verification

You acknowledge and agree that:

• You are solely responsible for the accuracy of all information provided to MoneyPilot;
• MoneyPilot may rely on the information you provide without independent verification;
• You will promptly update any information that becomes inaccurate or incomplete;
• Settlement administrators may require you to provide additional documentation or verification, and failure to do so may result in claim denial;
• MoneyPilot makes no representation regarding your eligibility for any settlement and cannot guarantee that any claim will be approved or paid.

21.4 Settlement Administrator Requirements

You understand and agree that:

• Settlement administrators (such as Kroll, Epiq, and others) are independent third parties not affiliated with MoneyPilot;
• Settlement administrators have sole discretion over claim approval, eligibility determination, and payment amounts;
• Each settlement has its own terms, conditions, deadlines, and eligibility requirements established by the court or settlement agreement;
• MoneyPilot has no control over settlement administrator decisions, timelines, or processes;
• Settlement administrators may require direct communication with you, and you agree to respond to such requests promptly;
• Payment of any settlement funds will be made directly to you by the settlement administrator, not through MoneyPilot;
• MoneyPilot does not receive, hold, or distribute any settlement funds on your behalf.

21.5 Electronic Signature Authorization

By opting into claim filing assistance, you authorize MoneyPilot to electronically sign claim forms on your behalf using your name and the information you have provided. You agree that such electronic signatures shall have the same legal effect, validity, and enforceability as a manually-executed signature, in accordance with the Electronic Signatures in Global and National Commerce Act (E-SIGN Act), 15 U.S.C. § 7001 et seq., and applicable state law.

You acknowledge that claim forms typically contain certifications and attestations, including certifications under penalty of perjury, that the information provided is true and accurate. By authorizing MoneyPilot to submit claims on your behalf, you confirm that you understand these certifications and that all information you have provided is true and accurate.

21.6 No Fee on Settlement Proceeds

MoneyPilot does not charge a percentage fee, contingency fee, or any other fee based on settlement proceeds you may receive. Your only obligation to MoneyPilot is the subscription fee for the Service as described in these Terms. Any settlement funds you receive are yours in full.

21.7 Revocation of Authorization

You may revoke this authorization at any time by:

• Sending written notice to support@moneypilot.com.

Revocation will be effective upon receipt and processing of your request (typically within 2 business days). However, revocation will not affect:

• Claims already submitted prior to the effective date of revocation;
• Your obligation to honor representations made in claims already submitted;
• Any pending settlement payments for claims already approved.

21.8 Limitations of Authorization

This authorization expressly does NOT include authority to:

• Opt you out of any class action settlement;
• Object to any settlement terms on your behalf;
• Initiate or participate in litigation on your behalf;
• Accept any settlement offer that requires your individual consent;
• Receive, deposit, or disburse any funds on your behalf;
• Access your bank accounts or financial accounts;
• Provide tax advice or prepare tax documents related to settlement proceeds;
• Represent you in any court proceeding or before any government agency.

21.9 Liability for Claim Filing

You agree that MoneyPilot shall not be liable for:

• Claim denials by settlement administrators for any reason, including but not limited to ineligibility, incomplete information, or missed deadlines;
• Delays in claim processing or payment by settlement administrators;
• Amounts received that are less than estimated;
• Changes to settlement terms or eligibility criteria;
• Technical failures or errors in electronic submission systems operated by third parties;
• Any consequences arising from inaccurate information provided by you.

You acknowledge that submitting false claims or claims for which you are not eligible may constitute fraud and may subject you to civil and criminal penalties. MoneyPilot reserves the right to terminate your access to the Service and report suspected fraudulent activity to appropriate authorities.

22. Changes to These Terms

We may update these Terms from time to time. We will post the updated Terms and change the "Last Updated" date. Material changes to the arbitration provision or EULA will be communicated via email or in-app notification at least 30 days before taking effect. Your continued use of the Service after updates means you accept the revised Terms.

23. Termination

We may suspend or terminate your access to the Service at any time, with or without notice, for any reason, including but not limited to:

• Violation of these Terms;
• Fraudulent or illegal activity;
• Submission of false or misleading claim information;
• Unauthorized sharing of account access;
• Attempting to reverse-engineer or interfere with the Service;
• Multiple failed payment attempts.

Upon termination, your right to use the Service stops immediately. We may delete your account and any associated data at our discretion, subject to our data retention policies and legal obligations.

24. Governing Law

These Terms and any dispute arising out of or related to these Terms or the Service shall be governed by and construed in accordance with the laws of the State of Wyoming, United States, without regard to its conflict of law provisions, except that the arbitration provision shall be governed by the Federal Arbitration Act.

25. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that these Terms shall otherwise remain in full force and effect and enforceable.

26. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and MoneyPilot regarding your use of the Service and supersede all prior or contemporaneous understandings regarding such subject matter.

27. Contact

For billing, support, or general inquiries:

support@moneypilot.com

For legal notices, arbitration opt-out, or authorization revocation:

support@moneypilot.com

BLOOM PROCESSING LLC
30N Gould St Ste R
Sheridan, WY 82801, USA