1. Acceptance of Terms

These Terms of Service (“Terms”) constitute a legally binding agreement between you (“User,” “you,” or “your”) and Allocé Technologies LLC (“Company,” “we,” “us,” or “our”) governing your access to and use of the Allocé mobile application and all related services (collectively, the “Service”).

By downloading, installing, or using Allocé, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Service.

We reserve the right to update these Terms at any time. When we make material changes, we will notify you via in-app notice or email. Your continued use of the Service after changes take effect constitutes your acceptance.

2. Description of Service

Allocé is a personal budgeting and financial management application that helps users allocate income, track bills, set savings goals, and manage personal finances using a six-bucket system: Bills, Spending, Savings, Sinking Funds, Credit Card, and Investing.

Allocé is currently free to use. A Pro tier with additional features (including cloud sync and multi-device access) is planned for a future release. No features currently available for free will be moved behind a paywall without adequate notice.

Allocé is a personal finance tool only. It does not provide financial advice, investment advice, tax advice, or any other professional advisory services. All features are for informational and organizational purposes only. Consult a qualified professional for advice specific to your situation.

3. Eligibility — Minimum Age: 16

Why We Set the Age at 16

Allocé is designed for people who are earning and managing real income. At 16, many users in the U.S. are legally permitted to work and earn wages, making Allocé genuinely useful. We believe this age appropriately balances access for young earners with responsible data practices.

Under 16 — What Happens

If we learn or have reasonable cause to believe that a user is under 16, we will suspend or terminate that account and delete any associated personal data promptly. If you are a parent or guardian and believe your child under 16 has created an account, contact us immediately at legal@alloce.app.

Legal Capacity

By creating an account, you also represent that you have the legal capacity to enter into a binding agreement under the laws of your jurisdiction.

4. Account Registration

4.1 Registration

You must provide an accurate email address and create a password to use the Service. You are responsible for maintaining the confidentiality of your credentials and for all activity that occurs under your account.

4.2 Account Security

Notify us immediately at support@alloce.app if you suspect unauthorized access to your account.

4.3 Account Deletion

You may delete your account at any time in the App settings. Deletion is permanent and all associated personal data will be purged within 90 days.

5. Acceptable Use

You agree to use the Service only for lawful personal budgeting purposes and in accordance with these Terms. You agree not to:

• Reverse engineer, decompile, or disassemble any part of the App
• Use automated tools, bots, or scripts to access the Service
• Attempt to gain unauthorized access to any part of the Service or its infrastructure
• Upload malicious code or harmful content of any kind
• Impersonate any person or entity or misrepresent your affiliation with any person
• Use the Service for any commercial purpose without our prior written consent
• Violate any applicable federal, state, or local laws in connection with your use of the Service

6. Financial Disclaimer

Allocé is a budgeting tool, not a financial advisor, broker, or investment advisor. Nothing in the App constitutes financial, investment, tax, or legal advice. Budget suggestions and split recommendations are automated calculations based on information you provide — they are not personalized financial advice.

Always consult a qualified financial professional for advice specific to your situation.

7. Intellectual Property

The Allocé name, logo, design, code, and all content are the exclusive property of Allocé Technologies LLC and are protected by U.S. and international copyright, trademark, and intellectual property laws. Nothing in these Terms grants you any right to use our trademarks, trade names, or branding without prior written permission.

You retain full ownership of all financial data you enter into the App. By using the Service, you grant us a limited license to store and process your data solely to provide and improve the Service.

8. Disclaimers & Limitation of Liability

8.1 As-Is Service

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.

8.2 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, ALLOCÉ TECHNOLOGIES LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES — INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL — ARISING FROM YOUR USE OF THE SERVICE. IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE GREATER OF: (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED DOLLARS ($100).

9. Indemnification

You agree to defend, indemnify, and hold harmless Allocé Technologies LLC and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, costs, or fees (including reasonable attorneys’ fees) arising out of your violation of these Terms, your use of the Service in an unauthorized manner, or your violation of any third-party rights.

10. App Store Terms

If you download Allocé from the Apple App Store, these Terms are between you and Allocé Technologies LLC — not Apple. Apple has no warranty or support obligations with respect to Allocé. The same applies to downloads from the Google Play Store with respect to Google LLC. Your use must also comply with the applicable app store’s terms of service.

11. Termination

We may suspend or terminate your access to the Service at any time, with or without notice, for conduct that violates these Terms or is otherwise unlawful. You may stop using the Service at any time. Sections 6, 7, 8, 9, and 12 survive termination.

12. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Maryland, without regard to its conflict of laws principles.

Informal Resolution

Before filing a formal claim, contact us at legal@alloce.app with a written description of the dispute. We will try to resolve it within 30 days.

Binding Arbitration

If informal resolution fails, disputes shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. Arbitration shall take place in Maryland or via telephone/videoconference. You and Allocé each waive the right to a jury trial and the right to participate in a class action.

13. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Allocé Technologies LLC regarding your use of the Service and supersede all prior agreements and understandings.

14. Copyright Policy (DMCA)

Allocé Technologies LLC respects intellectual property rights and expects users to do the same. If you believe that content available through the Service infringes a copyright you own or control, you may submit a written takedown notice to our designated agent that includes all of the following:

• A physical or electronic signature of the copyright owner or a person authorized to act on their behalf
• Identification of the copyrighted work claimed to have been infringed
• Identification of the material claimed to be infringing, with enough detail for us to locate it within the Service
• Your contact information: name, mailing address, telephone number, and email address
• A statement that you have a good-faith belief that the use of the material is not authorized by the copyright owner, its agent, or applicable law
• A statement, made under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or are authorized to act on their behalf

Send DMCA notices to our designated agent:

We will respond to valid notices by removing or disabling access to the allegedly infringing content and notifying the affected user where required by law. Users who repeatedly infringe third-party copyrights may have their accounts terminated.

Counter-Notices

If you believe your content was removed in error, you may submit a counter-notice to legal@alloce.app with the subject line “DMCA Counter-Notice.” Your counter-notice must include the information required under 17 U.S.C. § 512(g)(3). We will process valid counter-notices in accordance with applicable law.

15. Contact

For questions about these Terms:

1. Introduction

This Privacy Policy describes how Allocé Technologies LLC (“Allocé,” “we,” “us,” or “our”) collects, uses, and protects information when you use the Allocé mobile application and related services (the “Service”). By using Allocé, you agree to the data practices described in this policy.

Our core principle: your financial data belongs to you. We collect only what is necessary to provide the Service and we never sell your personal information.

2. Who Can Use Allocé

Note on COPPA

The Children’s Online Privacy Protection Act (COPPA) restricts online collection of personal data from children under 13. Because our minimum age is 16 — which exceeds COPPA’s threshold — we do not collect data from anyone under 13 and have no mechanism to do so. Our age gate goes above and beyond COPPA’s requirements.

3. Information We Collect

3.1 Information You Provide

• Account credentials: email address and password used to create your account
• Financial data: income amounts, bill names and amounts, savings goals, spending categories, and budget splits you enter manually
• Uploaded documents: bank statement PDFs, images, or CSV files you choose to import for transaction parsing
• Support communications: emails or messages you send us

3.2 Information Collected Automatically

• App usage data: which screens you visit and features you use — used to improve the product
• Device and OS information: device type, operating system version, app version, for compatibility and debugging
• Crash reports: anonymized error logs when the app crashes, to identify and fix bugs
• Log data: IP address (approximate), timestamps, and error logs for security monitoring

3.3 Information We Do Not Collect

• We do not access your bank accounts, credit cards, or financial institutions directly
• We do not collect biometric data
• We do not collect precise real-time location data
• We do not track you across other apps or websites
• We do not collect Social Security Numbers or government IDs

4. How We Use Your Information

• To provide and maintain the Service, including syncing your budget data across devices
• To authenticate your identity and secure your account
• To send push notifications you have enabled (bill due dates, payday reminders)
• To respond to customer support requests
• To improve and develop new features based on aggregated, anonymized usage patterns
• To detect, prevent, and respond to fraud, abuse, or unauthorized access
• To comply with applicable legal obligations

5. How We Share Your Information

We do not sell, rent, or trade your personal information or financial data to third parties. We may share your information only in these limited circumstances:

• Service Providers — Trusted vendors who help us operate the Service (cloud hosting, analytics, crash reporting, email delivery), bound by contractual data processing agreements
• App Store Platforms — Apple and Google process subscription payments under their own privacy policies
• Legal Requirements — If required by law, court order, or to protect the rights and safety of Allocé or its users
• Business Transfers — In connection with a merger or acquisition; we will notify you before your data transfers to a different privacy policy
• With Your Consent — In any other circumstance with your explicit prior consent

6. Data Storage & Security

6.1 Where Your Data Lives

Your account and budget data is stored securely in Supabase, our cloud database provider. Supabase is hosted on AWS and maintains SOC 2 Type II compliance. All data is encrypted in transit (TLS/HTTPS) and at rest.

Row Level Security (RLS) is enforced on all database tables. Your data is technically isolated at the database level — queries are scoped to your user ID only.

6.2 Data Retention

• Active accounts: data retained for the life of your account
• Deleted accounts: all personal data purged within 90 days of account deletion
• Uploaded documents (bank statements, etc.): deleted within 30 days of account closure
• Anonymized usage analytics: may be retained indefinitely
• Support communications: retained for up to 3 years for recordkeeping

6.3 Security Practices

• All API keys and secrets are stored in environment variables, never in the app codebase
• Authentication uses PKCE flow, the most secure method available for mobile apps
• We conduct regular security reviews of our Supabase RLS policies

7. Third-Party Services

• Supabase — cloud database, authentication, and backend infrastructure
• Expo / Apple / Google — for app distribution and push notifications
• RevenueCat (planned) — subscription management when Pro tier launches

8. Your Rights & Choices

8.1 Access & Portability

You may request a copy of the personal data we hold about you at any time by emailing privacy@alloce.app.

8.2 Correction

You may update your account information directly in the App settings at any time.

8.3 Deletion

You may delete your account directly in the App settings. All associated personal data will be permanently deleted within 90 days. This is required by Apple App Store guidelines.

8.4 Marketing Opt-Out

If you receive marketing emails from us, you may opt out at any time by clicking the unsubscribe link in any email or by emailing privacy@alloce.app. You will still receive transactional messages about your account. All marketing emails include our company name, a valid reply-to address, and a physical mailing address as required by the CAN-SPAM Act.

8.5 Push Notifications

You may disable push notifications at any time through your device settings (iOS: Settings → Notifications → Allocé; Android: Settings → Apps → Allocé → Notifications) or within the app. This will not affect core app functionality.

9. California Residents (CCPA / CPRA)

If you are a California resident, you have additional rights under the California Consumer Privacy Act (CCPA) as amended by the California Privacy Rights Act (CPRA), including:

• Right to know what personal information we have collected, used, or disclosed in the past 12 months
• Right to request deletion of your personal information
• Right to correct inaccurate personal information
• Right to opt out of the sale or sharing of personal information — we do not sell your data
• Right to limit use of sensitive personal information (such as financial data) to what is necessary to provide the Service
• Right to non-discrimination for exercising these rights

To exercise any of these rights, contact us at privacy@alloce.app. We will verify your identity and respond within 45 days as required by law. We do not knowingly sell the personal information of anyone under 16 and do not permit users under 16 to use the Service.

10. European Users (GDPR)

If you are located in the European Economic Area (EEA), United Kingdom, or Switzerland, the General Data Protection Regulation (GDPR) and applicable local laws may grant you additional rights regarding your personal data, including the right to access, rectify, erase, restrict processing, object to processing, and data portability.

Allocé is primarily designed for U.S. users. We do not actively target or market the Service to residents of the EEA. If you are located in the EEA and choose to use the Service, you do so at your own initiative. To exercise any GDPR rights, contact us at privacy@alloce.app. We will respond within 30 days.

Our legal basis for processing your data is performance of a contract (providing you the Service you requested) and, where applicable, our legitimate interests in operating and improving a secure, reliable application.

11. Changes to This Policy

We may update this Privacy Policy periodically as the Service evolves or as laws change. When we make material changes, we will update the effective date above, notify you via in-app notification, and for significant changes, send an email notification. Continued use of the App after changes constitutes acceptance.

12. Contact

For privacy questions, requests, or concerns: