Terms of Service

Effective date: July 29, 2026. This version replaces the July 22, 2026 version.

These Terms of Service ("Terms") are a binding agreement between you and My Family Matters, Inc. ("Family Matters," "we," "us," or "our"). They govern your access to and use of the Services (defined in Section 1).

Please read these Terms carefully. They include important provisions about how the Services work, what they are and are not (Section 2), your responsibilities for information you record about other people (Section 4), our text-messaging program (Section 5), bank-account connections (Section 6), disclaimers and limits on our liability (Section 13), and how disputes are resolved (Section 14).

1. Acceptance, Who You Are, and Eligibility

Acceptance

By accessing or using the Services, by clicking to accept these Terms, or by creating or being added to a household or account, you agree to these Terms and to our Privacy Policy. If you do not agree, do not access or use the Services.

You also agree to the collection and use of your information as described in our Privacy Policy whether or not you complete account registration. This matters because the Services let one person begin adding information about another before that other person has signed in (see Section 4).

If you are already using the Services under a prior version of these Terms, your continued use of the Services after the effective date above constitutes your acceptance of these Terms.

The Services

"the Services" means, collectively: the marketing website at myfamilymatters.com (the "Site"); the applications at app.myfamilymatters.com, advisors.myfamilymatters.com, and homewatch.myfamilymatters.com; and the Family Matters iOS applications (the "App").

Who you are

Different people use the Services in different roles, and some provisions below apply to specific roles:

• Member — a person who belongs to a household on the Services.
• Principal — the household organizer or steward who sets up and administers a household and invites others to it.
• Operator — an independent home-watch or property-care business that uses Family Matters to serve its own customers. An Operator's customer is referred to as a "homeowner" or "client." Additional terms for Operators appear in Section 9 (Operator Terms).
• Advisor — a financial or legal professional whom a household grants access to specific parts of a household's records. Additional terms for Advisors appear in Section 10 (Advisor Terms).

A single person may act in more than one role. Where a Section is addressed to a particular role, it applies to you when you are acting in that role.

Eligibility

The Services are offered in the United States and are intended for adults. By using the Services, you represent that you are at least 18 years old and able to enter into these Terms.

The Services are not directed to children under 13, and a person under 13 may not use the Services. A minor (generally, a person under 18) may use the Services only where a parent or legal guardian has consented, is party to these Terms on the minor's behalf, and remains responsible for the minor's activity. Adults may record certain information about minors (for example, a college-savings beneficiary, a family relationship, or a date of birth) as part of a household's records; that is different from a minor holding an account, and is addressed in our Privacy Policy.

Electronic notices

By providing your email address and/or mobile number, you consent to receive Service-related and legally required notices from us electronically — by email, by text message where applicable, through the Services, or by posting on the Site — in lieu of postal mail. See Section 5 for text-message specifics and Section 7 for electronic records and signatures.

2. The Services Are Coordination, Not Advice

What the Services do

Family Matters is a coordination and record-keeping tool for families and the professionals and service providers they work with. It helps you organize information, record and track family financial arrangements (such as private loans, gifts, family funds and emergency reserves, 529 college-savings plans, stipends, trusts and entities, and giving plans), coordinate home-watch and property care, connect and view financial-account information you choose to link, and communicate about that activity with the people you authorize.

We are not a financial institution, advisor, lender, or reporting agency

Unless we specifically say otherwise, you acknowledge and agree that we are not a financial institution (as defined in the Gramm-Leach-Bliley Act, 15 U.S.C. §§ 6801 et seq.), a consumer reporting agency (as defined in the Fair Credit Reporting Act, 15 U.S.C. § 1681a(d), the "FCRA"), a creditor, credit-repair organization, credit counselor, debt consolidator, debt adjuster, loan servicer, money transmitter, investment adviser, or broker, and we are not a "furnisher" of information to consumer reporting agencies. The Services are not a "consumer report" under the FCRA. We have no authority to, and do not, evaluate your eligibility for credit, insurance, employment, housing, a government benefit, or any other product or transaction for which a consumer report may be used, and we do not take any "adverse action" as that term is defined in the FCRA.

Not professional advice

Any information, calculation, worksheet, template, dashboard, or document provided through the Services is for general informational and organizational purposes only. It is not — and should not be relied on as — tax, legal, financial, investment, accounting, insurance, or other professional advice, and your use of the Services does not create any professional-client or fiduciary relationship with us. Content shown in the Services is provided for educational purposes, does not represent an official record of any account you hold with any financial institution, may not reflect your most recent transactions, and should not be relied on for transactional purposes. Tax rules — including figures such as the Applicable Federal Rate (AFR) and gift-tax exclusion and exemption amounts — change and depend on your specific circumstances. Always confirm current figures and decisions with a qualified attorney, CPA, or financial professional before acting.

Documents you generate are starting points

Documents the Services help you produce — for example, promissory notes, loan amendments, gift-tax (Form 709) worksheets, and similar records — are drafting aids and starting points for you to review and finalize with your own attorney, accountant, or other advisor. They are not finished legal, tax, or financial instruments, and we do not represent that they are complete, accurate, current, or enforceable for your situation.

Where the Services let you "sign" or accept a document (such as a family loan or an amendment), that action today is a click-to-accept mechanism within the Services; it is not processed through a third-party e-signature vendor. Electronic records and signatures are addressed in Section 7. You are responsible for deciding, with your professionals, whether any document produced with the Services meets the legal formalities required for your purpose.

Detection features are suggestions

Where the Services surface suggestions — for example, matching a transaction on a connected account against a family member's name to propose a possible gift or loan repayment — those are suggestions for you to review. Nothing is recorded as a gift, payment, or other entry until you accept it. We do not guarantee the accuracy or completeness of any suggestion, calculation, or estimate.

3. Accounts and Security

Accurate information

You agree to provide accurate, current, and complete information when you register and use the Services, and to keep it up to date. You may sign in using a one-time code sent to your email or mobile number, or through a supported third-party sign-in provider; you are responsible for maintaining access to the email address, phone number, and any third-party account you use to authenticate.

Keep your account secure

You are responsible for safeguarding access to your account and for all activity that occurs under it. Do not share your sign-in credentials or one-time codes with anyone. Notify us promptly at help@myfamilymatters.com if you believe your account has been accessed without your authorization.

You are responsible for people you authorize

You are responsible for all activity in connection with your account and household, including the activity of any Member, Advisor, Operator, or other person you invite, add, or otherwise authorize to access your household or records. Granting someone access — for example, adding a Member to your household or granting an Advisor access to a module — authorizes us to make the relevant information available to that person, and you remain responsible for their access and use as described in these Terms.

4. Your Content and Information About Others

Your Content

"Content" means the information, records, documents, photos, and notes you create, upload, or record in the Services — including information about other people. As between you and us, you retain ownership of your Content.

License to operate the Services

You grant us a worldwide, non-exclusive, royalty-free license to host, store, reproduce, process, transmit, display, and otherwise use your Content as necessary to provide, secure, maintain, and improve the Services and to make your Content available to the people you authorize (for example, other Members of your household, an Advisor you grant access to, or an Operator serving your home). This license also permits our service providers to process your Content on our behalf for these purposes, and it continues for backup, legal-compliance, and dispute-resolution purposes for as long as we retain the relevant Content as described in our Privacy Policy. You are responsible for your Content and for keeping your own copies of anything important to you.

Information about other people — inviter warranty

The Services are designed to let you record information about, and provide contact information for, other people — for example, a family member you invite, a loan counterparty, a fund or 529 contributor, a trustee or beneficiary, or a homeowner an Operator sets up service for. When you do, we may create and maintain a record for that person within the Services, including before they have signed in.

When you provide contact information for, or record information about, another person, you represent and warrant that you have that person's permission or other lawful authority to do so — including for us to contact them by text or email where you provide a phone number or email address, and to receive administrative and account messages from us and messages from you and others associated with your household or home. You are solely responsible for providing any notices and obtaining any consents required by law before you submit another person's information, and for resolving any dispute with that person relating to that information. We act as an intermediary that makes the Services available; we are not responsible for your failure to obtain a required consent or notice, and your indemnity in Section 13 covers claims arising from it.

Accuracy and shared visibility

You are responsible for the accuracy of the Content you submit. Because the Services are collaborative, information you record may be visible to, and may be modified by, other people you have authorized (for example, other Members of your household or an Advisor you grant write access to), depending on their role and your sharing choices. Our Privacy Policy describes how information is shared between users of the Services. We act as a passive conduit for Content exchanged between users; we do not routinely monitor it, and we are not responsible for the accuracy of Content or for disputes between users.

5. Text Messaging Program

This Section survives termination of your account and these Terms.

Consent to receive messages

If you provide a mobile phone number, you agree that Family Matters may send you text messages about your account — including sign-in codes, invitations that you, a family member, or a service provider initiate, and notifications about activity you have enabled. For example, when you are invited to a household, or when an Operator sets up service for your home, you may receive a welcome or activation text with a link and instructions to get started. Notification texts are optional and off by default; you control them in your account settings. Sign-in codes and a single invitation or activation text are transactional and may be sent so that the Services can function.

Consent to add others

When you provide a mobile number for another person — for example, when you invite a family member or an Operator sets up service for a client — the inviter warranty in Section 4 applies: you represent that the person has consented to be added and to receive administrative messages from Family Matters and messages from you and others associated with your household or home.

Frequency, rates, and carriers

Message frequency varies based on your account activity and notification settings. Message and data rates may apply, and you are solely responsible for any charges your wireless carrier imposes; these charges can vary and may be higher internationally. Carriers are not liable for delayed or undelivered messages.

STOP and HELP

Reply STOP to any text message to opt out of text messages at any time; reply HELP for help, or contact us at help@myfamilymatters.com. Opting out of texts does not affect account emails or in-app notifications. If you opt out of texts, the people who rely on reaching you through the Services — such as your household or an Operator serving your home — may need to contact you another way, and we may let them know that texts to you have stopped.

Your responsibility for messages you cause to be sent

You represent and warrant that all communications you cause to be sent through the Services will comply with all applicable laws and regulations, including the Telephone Consumer Protection Act (TCPA), the Telemarketing Sales Rule, the CAN-SPAM Act, and all other laws concerning privacy, telemarketing, and the sending of text messages. If you use the Services to prompt messages to others (for example, as a Principal inviting family or an Operator adding clients), it is your responsibility to comply with these laws.

Privacy

We will not share your mobile phone number or your SMS opt-in consent with third parties or affiliates for their marketing or promotional purposes. Text messaging originator opt-in data and consent are excluded from every category of sharing described in our Privacy Policy; this information will not be shared with any third parties, other than the messaging aggregators and communications providers that carry the messages for us. We do not sell, rent, trade, or transfer mobile opt-in data or consent to anyone, including affiliates and lead generators. Your consent is given directly to Family Matters, for this program only, and is not transferable or assignable to another business. See our Privacy Policy for how we handle mobile numbers and messaging, and Text Messaging Program for a plain-language walkthrough of the whole program.

6. Bank and Financial-Account Connections

How connections work

The Services let you connect financial accounts through third-party account-aggregation providers — today, Plaid Inc. ("Plaid") and, for certain institutions (such as some investment and 529 accounts), Akoya LLC ("Akoya"). When you connect an account, we receive information such as the financial institution, account names, account type, an account mask (last four digits), balances, and, where you enable it, transaction history. At no point do we receive your login credentials to your financial accounts.

Authorization to access on your behalf

By connecting an account or using these features, you grant us and our service providers the right to access information at your financial institutions and other third-party sites on your behalf, including to retrieve information and use that information to provide the Services, with the full power and authority to do and perform each act necessary in connection with those activities, as fully as you could do in person. You acknowledge and agree that when we or our service providers access and retrieve information from your financial institutions and other third-party sites, we and they are acting at your request and with your permission and authorization, and not on behalf of those institutions or sites. The Services are not sponsored or endorsed by any financial institution or other third party.

You may, on notice to us, (i) revoke this authorization and disconnect an account, or (ii) request deletion of information we collected from a connected account, subject to information we may retain in de-identified or aggregated form and to our retention practices described in our Privacy Policy.

Your own accounts, your authority

You represent and warrant that you are only providing information about your own accounts, assets, liabilities, and financial information, or information that you are otherwise authorized to provide, and that you have all rights and authorizations necessary to submit that information to us and to authorize the access described above. Violation of this Section is grounds for suspension or termination of your access to the Services.

Aggregator terms

Certain features of the Services are provided through Plaid and Akoya. By agreeing to these Terms or using those features, you also consent to the applicable aggregator's end-user terms and privacy policy, including Plaid's End User Privacy Policy. Those providers process your information under their own terms.

How connected-account data is used

When you designate an account for tracking (for example, an account you give from, or one you track loan repayments through), we retrieve that account's transaction activity to run the matching described in Section 2. We surface only suggested matches to a family member for you to review; we do not automatically record entries, and we do not present the connected account's full transaction feed as a general spending view.

Money movement

Today, Family Matters does not initiate or move money. The Services help you record, coordinate, and track money that moves through your own external arrangements — for example, bank bill-pay, or peer-to-peer services such as Venmo, Cash App, or PayPal — which are provided by others and are subject to their own terms. Any money that moves does so through those external services, not through Family Matters.

7. Electronic Records and Signatures (ESIGN/UETA)

You consent to conduct transactions and receive records electronically. Under the federal Electronic Signatures in Global and National Commerce Act (ESIGN) and applicable state Uniform Electronic Transactions Acts (UETA), you agree that your electronic actions within the Services — including clicking to accept, adopt, approve, or "sign" a document, and creating, amending, or acknowledging a record — constitute your electronic signature and your intent to be bound by that record, and have the same legal effect as a handwritten signature and paper record to the fullest extent permitted by law.

The in-app acceptance mechanism is presently the signature method the Services use for family loans, amendments, and similar documents; it is provided by Family Matters and is not routed through a separate e-signature service. You are responsible for determining, with your own professionals, whether an electronically accepted document satisfies the legal formalities required for your purpose (some documents, such as certain notarized or witnessed instruments, may require additional steps outside the Services).

To use the Services you need a device and software that can access and retain electronic records (for example, view and save PDFs). You may withdraw your consent to electronic records or request a paper copy of a record by contacting us at help@myfamilymatters.com; withdrawing consent may prevent you from using features that depend on electronic records and signatures, and may end your ability to use the Services.

8. Fees and Billing

Some features of the Services may be offered for a fee — for example, paid subscriptions or paid modules. Access that is free is not a trial and does not obligate you to pay.

Where fees apply, payments are processed by our payment processor, Stripe, and are subject to Stripe's terms; we do not store full payment-card numbers. Before you are charged for any recurring plan, we will clearly and conspicuously disclose the price, the billing cadence, and the renewal terms, and we will obtain your affirmative consent to the recurring charge. You may cancel a paid plan at any time, through the Services, in a manner at least as easy as signing up, and cancellation stops future renewals. For any plan that renews annually, we will send a renewal reminder in advance. Except where required by law or stated at the time of purchase, fees already paid are non-refundable, but we will not condition cancellation on contacting us by phone or on any comparable obstacle. Taxes, where applicable, are your responsibility. If we change fees, we will give you notice and the change will apply to renewals after the notice period. Home-watch and Operator payments are separate and are governed by Section 9.

9. Operator Terms (Home-Watch and Property-Care Businesses)

This Section applies to you when you use the Services as an Operator (including through homewatch.myfamilymatters.com and the operator App). It is in addition to the rest of these Terms; where it conflicts with another Section as to Operator activity, this Section controls.

Independent business

You are an independent business. Nothing in these Terms makes you our agent, employee, partner, franchisee, or joint venturer, or makes us a party to any agreement between you and your homeowner clients. You are solely responsible for your own services, pricing, scheduling, staffing, licensing, insurance, taxes, and compliance with all laws applicable to your business.

No vetting; not a party to your client agreements

Family Matters does not vet, background-check, endorse, or verify the licensing, insurance, qualifications, or suitability of any Operator, and is not a party to any agreement between an Operator and a homeowner. Homeowners contract directly with the Operator for home-watch and property-care services. We provide software that helps you coordinate and administer your business; we do not provide, supervise, guarantee, or insure your services, and we are not responsible for your acts or omissions or for any dispute between you and a homeowner.

Payments and payment processing

You are the merchant of record for charges to your clients. If you accept card payments through the Services, you do so through Stripe Connect and must accept and comply with the Stripe Connected Account Agreement (including the Stripe Services Agreement it incorporates); those terms flow through to you, and Stripe — not Family Matters — provides payment-processing services to you. If you invoice through Wave, you authorize us to connect to your Wave business on your behalf to create and send invoices at your direction, subject to Wave's terms. If you display other payment methods on invoices (for example, a Venmo handle, or check or bank bill-pay instructions), those are your own payment arrangements, provided at your risk. Family Matters does not hold, receive, disburse, or guarantee funds paid to you; client payments go directly to you or your payment processor.

Your communications and consents

You are responsible for obtaining all consents required to add your clients to the Services and to contact them, including by text and email. The inviter warranty in Section 4 and the messaging responsibilities in Section 5 apply to you with respect to every client and contact you add, and you are solely responsible for compliance with the TCPA, CAN-SPAM, and other communications laws for messages you cause to be sent to your clients.

Client data

You may access and use your clients' information within the Services solely to provide your services to that client, and not for any other purpose (including marketing to your clients' family members or to other households). You will keep client information confidential and secure. Some client information is highly sensitive — for example, a home's address, occupancy status, access notes, and gate or alarm codes; you will handle such information with appropriate care and only as needed to provide your services. As between you and your clients, you are responsible for providing any privacy notices and obtaining any consents your clients are owed, and for your own compliance with applicable data-protection laws; to the extent applicable law treats you as a controller of your client data, we act as a service provider processing that data on your behalf and at your direction to provide the Services.

10. Advisor Terms

This Section applies to you when you use the Services as an Advisor — a financial or legal professional to whom a household grants access to specific parts of its records. It is in addition to the rest of these Terms.

Household-granted, household-revocable access

Your access to a household's information exists only because, and only to the extent, the household has granted it. Access is scoped to the specific modules and permissions (for example, read or write) the household grants, and the household may modify or revoke your access at any time. You will access and use only what you have been granted.

Confidentiality and use limitation

You may access and use a household's or client's information solely to provide your professional services to that client, and for no other purpose. You will not use that information to market to the client's family members or to any other person, will not use it for the benefit of any other client, and will keep it confidential and secure.

Your independent responsibility

If you use the Services on behalf of a client, you represent and warrant that you have the authority, approvals, permissions, and consents necessary to do so and to provide the client's information to us. You — not Family Matters — are responsible for your compliance with the laws and professional and regulatory obligations that apply to you, including providing any notices your clients are owed regarding their information and privacy rights. You are and remain solely responsible for the professional advice you give; the Services provide tools and information, not advice, and we are an independent controller of client information you access, not a joint controller with you.

Directory listing

If you choose to be listed in any Advisor directory we make available, you consent to our publication of the information you provide for that listing (which may include your name, firm, location, phone number, biography, and specialties). You are responsible for the accuracy of your listing and for any professional or regulatory disclosures your listing requires. A listing is self-provided and is not an endorsement, recommendation, referral, or verification by Family Matters. You may request removal of your listing at any time.

11. Acceptable Use

You agree not to:

• use the Services for any unlawful purpose or in violation of these Terms;
• upload, post, host, or transmit spam, chain letters, or other unsolicited text messages, emails, or messages, or send any communication in violation of the TCPA, CAN-SPAM, or other communications laws;
• submit false or misleading information, or another person's information without the authorization required by Section 4;
• impersonate any person or entity, or misrepresent your affiliation with a person or entity;
• collect or harvest personal information from the Services, or use any scraper, bot, or other automated or manual means to access, copy, or record any part of the Services, except as we expressly permit;
• use the Services for unauthorized commercial solicitation, or to sell, resell, or exploit the Services except as these Terms permit;
• attempt to disrupt, damage, overload, reverse-engineer, or gain unauthorized access to the Services, their systems, or other users' data;
• introduce malware or otherwise interfere with the operation, integrity, or security of the Services; or
• engage in abuse, harassment, threats, or other abusive conduct toward any user or toward Family Matters personnel.

We act as a passive conduit for Content exchanged between users and are not responsible for, and do not routinely monitor, that Content; however, we may (but are not obligated to) investigate and act on violations of this Section, including by suspending or terminating access.

12. Intellectual Property, Feedback, Third-Party Services, and Mobile Apps

Our intellectual property

The Services and their content — software, text, graphics, logos, calculators, templates, and design — are owned by Family Matters or its licensors and are protected by intellectual-property laws. Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Services for their intended purpose. Where we expressly offer a tool for embedding (for example, a free calculator embed), you may use it on your own site in accordance with our instructions, provided you do not modify or remove our attribution. Except as expressly permitted, you may not reproduce, distribute, modify, or create derivative works from the Services without our permission.

Feedback

If you send us suggestions, ideas, or other feedback about the Services, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use it for any purpose without obligation or compensation to you.

Third-party services

The Services link to and rely on third-party services — for example, our hosting, database, authentication, analytics, messaging, email, payment, and account-connection providers, and external sites such as IRS.gov. We are not responsible for third-party content, products, or practices, and your use of them is at your own risk and subject to their terms. Section 6 governs financial-account connections.

Mobile application license, data charges, and updates

We may make the App available to access the Services on a mobile device. To use the App you need a compatible device, and we do not warrant compatibility. You may incur charges from your wireless carrier for mobile data used with the App, and you are solely responsible for those charges. Subject to these Terms, we grant you a non-exclusive, non-transferable, revocable license to use a copy of the App on a device you own or control, for your own use of the Services. We may issue updated versions of the App from time to time and may update the version on your device automatically; you consent to such automatic updating, and these Terms apply to all updates.

Apple App Store — additional terms

The following applies to the App to the extent you obtain it from the Apple App Store ("App Store-Sourced Software"): You acknowledge that these Terms are between you and Family Matters only, not Apple, and that Apple is not responsible for the App or its content. Your use of the App must comply with the App Store Terms of Service. Apple has no obligation to furnish any maintenance or support for the App. If the App fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) for the App to you; to the maximum extent permitted by law, Apple has no other warranty obligation with respect to the App, and any other claims, losses, liabilities, damages, costs, or expenses attributable to a failure to conform to any warranty will be governed by these Terms. Apple is not responsible for addressing any claim by you or any third party relating to the App or your possession or use of it, including product-liability claims, claims that the App fails to conform to a legal or regulatory requirement, and claims under consumer-protection or similar law. In the event of a third-party claim that the App or your use of it infringes that third party's intellectual-property rights, Family Matters, not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of the claim. You represent that you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and that you are not on any U.S. Government list of prohibited or restricted parties. You and Family Matters acknowledge that Apple and its subsidiaries are third-party beneficiaries of these Terms as they relate to your license of the App, and that Apple has the right to enforce these Terms against you as such a third-party beneficiary.

Google Play — additional terms

To the extent you obtain the App from the Google Play Store ("Google-Sourced Software"): you acknowledge that these Terms are between you and Family Matters only, and not Google; your use must comply with the then-current Google Play Terms of Service; Google is only the provider of the store from which you obtained the App; Family Matters, not Google, is solely responsible for the App; Google has no obligation or liability to you with respect to the App or these Terms; and Google is a third-party beneficiary of these Terms as they relate to the App.

13. Disclaimers, Limitation of Liability, and Indemnification

Disclaimers

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, AND YOUR USE OF THEM IS AT YOUR OWN RISK. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICES OR ANY CONTENT WILL BE ACCURATE, RELIABLE, COMPLETE, OR CURRENT; THAT THE SERVICES WILL MEET YOUR REQUIREMENTS; THAT THEY WILL BE AVAILABLE, UNINTERRUPTED, TIMELY, OR SECURE; THAT DEFECTS WILL BE CORRECTED; OR THAT THE SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. As stated in Section 2, the Services do not provide professional advice, and you are responsible for verifying information and documents with your own professionals.

Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FAMILY MATTERS AND ITS AFFILIATES, AND THEIR OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS, WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, OR FOR ANY LOSS OF PROFITS, GOODWILL, USE, OR DATA, ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) ONE HUNDRED U.S. DOLLARS ($100), OR (B) THE AMOUNTS YOU PAID US FOR THE SERVICES IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. These limitations do not apply to liability that cannot be limited or excluded under applicable law.

Indemnification

You agree to defend, indemnify, and hold harmless Family Matters and its affiliates, and their officers, directors, employees, and agents, from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to: (a) your access to or use of the Services, including any Content or communications you (or anyone using your account) transmit or receive; (b) your violation of these Terms, including any breach of your representations and warranties (such as the inviter warranty in Section 4, the account-connection warranties in Section 6, and the messaging responsibilities in Section 5); (c) your violation of any third-party right, including any privacy or intellectual-property right, or of any law; (d) Content submitted through your account, including false, misleading, or inaccurate information, or another person's information submitted without the required consent; and (e) the access or use of the Services by any Member, Advisor, Operator, or other person you authorized or whose access occurred under your account.

14. Dispute Resolution

Informal resolution first

Before bringing any formal proceeding, you agree to first contact us at help@myfamilymatters.com and try to resolve the dispute informally. Many disputes can be resolved this way.

Binding arbitration

(a) Agreement to arbitrate. You and Family Matters agree to resolve any dispute, controversy, or claim arising out of or relating to these Terms or the Services (a "Claim") by binding individual arbitration, rather than in court, except as provided below. This agreement is governed by the Federal Arbitration Act (9 U.S.C. §§ 1–16).

(b) 30-day opt-out. You may reject this arbitration agreement by emailing help@myfamilymatters.com with your full legal name and a statement that you opt out, within 30 days after you first accept these Terms. Opting out does not affect any other provision of these Terms.

(c) Process. After the informal-resolution step above, and if a Claim is not resolved within 60 days, the Claim will be resolved by a single arbitrator through JAMS under its Optional Expedited Arbitration Procedures then in effect, with the arbitration seated in the U.S. county where you live or in Hennepin County, Minnesota. Consumer fee treatment and fee waivers apply as provided by JAMS.

(d) Small-claims and equitable-relief carve-outs. Either party may bring a qualifying individual claim in small-claims court, and nothing prevents us from seeking injunctive or other equitable relief in court to protect our data, security, confidential information, or intellectual property. For those excepted claims, you consent to the exclusive personal jurisdiction of the state and federal courts located in Hennepin County, Minnesota.

(e) Class-action and jury-trial waiver. You and Family Matters each waive any right to a jury trial and to bring or participate in any class, collective, consolidated, or representative action; the arbitrator may award relief only on an individual basis.

(f) Severability. If any part of this arbitration agreement is found unenforceable, that part will be severed and the remainder will stay in effect; however, any claim for public injunctive relief that cannot be waived will be severed from arbitration and litigated in court, with the other claims staying in arbitration.

15. Termination, Survival, Governing Law, and General Provisions

Termination

You may stop using the Services at any time.

You may request closure of your account and deletion of your information by contacting us at help@myfamilymatters.com; we will handle your request as described in our Privacy Policy. We may suspend or terminate your access to the Services at any time if you violate these Terms, if we are required to by law, or as reasonably necessary to protect the Services or others. We may also modify or discontinue the Services, or any part of them, at any time.

Effect of termination and data handling

On termination, your right to use the Services ends. Other than information we must or may retain for legal, regulatory, security, compliance, dispute-resolution, or similar purposes, or that is retained in de-identified or aggregated form, we will, within a reasonable time, delete or de-identify your information consistent with our Privacy Policy. Because the Services are collaborative, some information you contributed may remain in the records of other households, Members, Operators, or Advisors who have their own copies or references, and we may be unable to remove it from their records.

Survival

The following Sections survive termination or expiration of these Terms: Section 2 (coordination, not advice), Section 4 (Content and information about others), Section 5 (Text Messaging Program), Section 6 (account-connection representations), Section 7 (electronic records and signatures), Section 9 and Section 10 (as to conduct during your use), Section 11 (Acceptable Use), Section 12 (intellectual property and feedback), Section 13 (disclaimers, limitation of liability, and indemnification), Section 14 (Dispute Resolution), and this Section 15 — along with any other provision that by its nature should survive.

Governing law

These Terms are governed by the laws of the State of Minnesota and applicable United States federal law, without regard to conflict-of-laws principles.

Changes to these Terms

We may update these Terms from time to time. When we make a material change, we will provide reasonable notice — for example, by email, through the Services, or by posting the updated Terms on the Site — and we will update the effective date above. Your continued use of the Services after a change takes effect means you accept the updated Terms. If you do not agree to the updated Terms, do not continue to use the Services.

General

These Terms, together with the Privacy Policy and any terms expressly incorporated, are the entire agreement between you and us regarding the Services and supersede prior agreements on that subject, including the prior, waitlist-era Terms. You may not assign or transfer these Terms without our consent; we may assign them without restriction. Our failure to enforce any provision is not a waiver of it. If any provision is held unenforceable, the remaining provisions remain in effect, and the unenforceable provision will be enforced to the greatest extent permitted. Neither party is liable for any delay or failure to perform (other than payment obligations) caused by events beyond its reasonable control. Section headings are for convenience only. We may provide notices to you electronically as described in Section 1.

Contact

My Family Matters, Inc. 1010 Dale Street North St. Paul, MN 55117 General and privacy: help@myfamilymatters.com SMS help: help@myfamilymatters.com

For California residents

Under California Civil Code § 1789.3, California residents may report complaints to the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by writing to 1625 North Market Blvd., Suite N-112, Sacramento, CA 95834, or by calling (800) 952-5210 or (916) 445-1254.

Copyright complaints (DMCA)

We respect intellectual-property rights and respond to notices of alleged copyright infringement. If you believe content on the Services infringes your copyright, send a notice with the information required by 17 U.S.C. § 512(c)(3) — including identification of the work, identification and location of the allegedly infringing material, your contact information, a statement of good-faith belief, a statement under penalty of perjury that the information is accurate and you are authorized to act, and your physical or electronic signature — to our designated agent at:

My Family Matters, Inc. — Copyright Agent 1010 Dale Street North, St. Paul, MN 55117 help@myfamilymatters.com

We may remove allegedly infringing material and, in appropriate cases, terminate the accounts of repeat infringers.