1. Acceptance of Terms

These Terms of Service ("Terms") govern your access to and use of the Steadfast HSA platform, including the website located at https://steadfasthsa.com, the web application, progressive web application (PWA), email receipt forwarding service, and all related features, content, and services (collectively, the "Service") operated by Steadfast Financial, LLC ("Company," "we," "us," or "our").

By (a) clicking "I agree" or similar, (b) creating an account, (c) accessing or using the Service, or (d) completing the sign-up process, you represent that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.

You represent and warrant that: (i) you are at least 18 years of age; (ii) you have the legal capacity to enter into these Terms; (iii) you are not prohibited from using the Service under applicable law; and (iv) your use of the Service does not violate any applicable law.

2. Definitions

As used in these Terms:

"Account" means the user account you create to access the Service.

"Content" means any data, documents, images, receipts, text, or other materials that you upload, submit, or otherwise transmit through the Service.

"BYOS" (Bring Your Own Storage) means the optional feature that allows you to sync your data to a third-party personal cloud storage service of your choice.

"Free Tier" means the no-cost version of the Service with limited features as described on our pricing page.

"Core Plan" means the paid annual subscription tier with unlimited expense tracking and full feature access.

"Pro Plan" means the paid annual subscription tier that includes Core Plan features plus BYOS sync, Plaid integration, mileage tracking, and household access.

"Lifetime Plan" means the one-time purchase providing access to Core Plan features on a perpetual basis, subject to the terms in Section 6.

"Subscription" means your paid plan (Core, Pro, or Lifetime) entitling you to access the Service.

"User" means any individual who creates an Account and uses the Service.

3. Description of the Service

Steadfast HSA is a receipt documentation and expense record-keeping platform designed for individuals who utilize Health Savings Accounts (HSAs) as long-term savings vehicles. The Service enables you to:

• Capture, upload, and store receipts and documentation for HSA-qualified medical expenses
• Organize and categorize medical expenses by family member, provider, and reimbursement status
• Track expenses across multiple HSA accounts and custodians
• Export your complete expense history and receipts in portable formats (CSV + ZIP)
• Optionally sync your data to your personal cloud storage (BYOS feature)
• Optionally grant read-only access to a tax advisor or CPA (Advisor Sharing feature)

4. Account Registration and Security

To access the Service, you must create an Account by providing accurate and complete information. You agree to:

• Provide true, accurate, current, and complete information during registration and keep it updated
• Maintain the confidentiality of your account credentials and not share your password with any third party
• Be responsible for all activity that occurs under your Account
• Notify us immediately at legal@steadfasthsa.com if you suspect unauthorized access to your Account
• Not create multiple Accounts to circumvent plan limitations or abuse free tier benefits

We reserve the right to suspend or terminate your Account if any information provided is found to be inaccurate, misleading, or in violation of these Terms. You may only create one Account per person. Accounts may not be transferred to another individual without our written consent.

5. Subscriptions and Payment

5.1 Plans and Pricing

The Service is offered under the following plan tiers, as more fully described on our pricing page:

• Free Tier: Available at no cost with limited expense tracking (25 expenses per year) and basic export functionality.
• Core Plan: Annual subscription providing unlimited expense tracking, email receipt forwarding, multi-account support, family member tracking, and full data export.
• Pro Plan: Annual subscription providing all Core Plan features plus BYOS cloud sync, Plaid financial account integration, mileage tracking, and household access for two users.
• Lifetime Plan: One-time purchase providing perpetual access to Core Plan features, subject to the terms in Section 6.

Prices are listed in US dollars and are exclusive of applicable taxes. We reserve the right to change our pricing at any time, with 30 days' notice for existing subscribers before their next renewal.

5.2 Billing and Renewal

Paid subscriptions are billed annually in advance through our third-party payment processor, Stripe. By providing payment information, you authorize us to charge the applicable subscription fee on the billing date. Annual subscriptions automatically renew each year unless canceled at least 48 hours before the renewal date. You can manage or cancel your subscription through your Account settings at any time.

5.3 Refund Policy

We offer a 30-day money-back guarantee for new Core and Pro Plan subscribers. If you are not satisfied with the Service within 30 days of your initial subscription purchase, contact us at legal@steadfasthsa.com for a full refund. After 30 days, no refunds are issued for partial subscription periods. Lifetime Plan purchases are non-refundable after 30 days. Downgrading to the Free Tier does not entitle you to a refund of any portion of a prepaid subscription period.

5.4 Failed Payments

If a subscription payment fails, we will attempt to collect payment up to three times over 10 days. If payment cannot be collected, your Account will be downgraded to the Free Tier. Your data will be retained for 90 days from the downgrade date, after which we reserve the right to delete data that exceeds Free Tier limits. You will receive email notices before any data deletion occurs.

5.5 Taxes

You are responsible for all applicable taxes on your subscription. The Company will collect sales tax where required by law and will add applicable taxes to your invoice. If you are tax-exempt, you must provide a valid exemption certificate.

6. Lifetime Plan Terms

The Lifetime Plan provides access to Core Plan features on a perpetual basis for a one-time fee. The following terms apply specifically to Lifetime Plan holders:

• Scope: The Lifetime Plan includes all features available in the Core Plan at the time of purchase, plus any enhancements to Core Plan features added in the future at no additional charge. The Lifetime Plan does not include Pro Plan features (BYOS sync, Plaid integration, mileage tracking, household access) or any future premium features added to the Pro tier.
• Non-transferable: Lifetime Plans are non-transferable and are tied to your individual Account.
• Company Continuity: In the event the Company ceases operations or substantially discontinues the Service, Lifetime Plan holders will receive at least 24 months' advance written notice, or a pro-rated refund calculated at the original purchase price divided by a 10-year service period, whichever is greater.
• Acquisition: In the event the Company is acquired or the Service is transferred to a successor entity, Lifetime Plan terms will be honored by the successor for a minimum of 24 months following the transfer date.
• Data Export: Upon any discontinuation of the Service, Lifetime Plan holders will receive at least 90 days to export all their data before deletion.
• Capacity Cap: The Lifetime Plan offering is capped at a finite number of sales. Once the cap is reached, this plan will no longer be available for purchase. Existing Lifetime Plan holders are unaffected by the cap.

7. Your Content and Data Ownership

7.1 Your Ownership

You retain full ownership of all Content you upload to the Service. These Terms do not grant us any ownership rights in your Content. You represent and warrant that you have all rights necessary to upload your Content to the Service and that doing so does not violate any third party's rights.

7.2 License to Process Your Content

By uploading Content to the Service, you grant us a limited, non-exclusive, royalty-free license to process, store, and transmit your Content solely for the purpose of providing the Service to you. We will not use your Content for any other purpose, including training machine learning models, advertising, or sharing with third parties except as described in our Privacy Policy.

7.3 Data Portability

You may export your complete data at any time, including all expense records (CSV format) and all receipt images (ZIP archive), using the built-in export functionality. We will not impose any lock-in, export fees, or artificial limitations on your ability to access and export your own data.

7.4 Content Restrictions

You agree not to upload Content that:

• Contains personally identifiable information of third parties without their consent
• Is fraudulent, falsified, or intended to support fraudulent tax claims
• Infringes any copyright, trademark, or other intellectual property right
• Contains malware, viruses, or other harmful code
• Violates any applicable law or regulation

8. Bring Your Own Storage (BYOS) Feature

The BYOS feature (available on the Pro Plan) allows you to automatically sync your Steadfast HSA data to a third-party personal cloud storage service. The following terms apply:

• Your Third-Party Account: You are responsible for maintaining your third-party storage account and complying with the terms of service of that provider. Steadfast HSA is not affiliated with and is not responsible for any third-party storage services.
• Data in Your Storage: Data synced to your personal cloud storage is subject to that provider's terms, not ours. We have no control over, and are not responsible for, the security or privacy practices of third-party storage providers.
• Authorization: BYOS sync requires you to authorize Steadfast HSA to write data to your designated folder. We will request only the minimum permissions necessary for the sync function. You may revoke this authorization at any time through your Account settings.
• Sync Limitations: We do not guarantee real-time sync. Sync may be delayed or interrupted. You should not rely on BYOS as your sole backup method.

9. Prohibited Uses

You agree not to use the Service to:

1. Engage in any unlawful activity, including but not limited to tax fraud, insurance fraud, or any scheme involving false or fabricated medical expense records
2. Impersonate any person or entity or misrepresent your affiliation with any person or entity
3. Attempt to gain unauthorized access to the Service, other user accounts, or related systems
4. Upload or transmit viruses or any malicious code
5. Use automated means (bots, scrapers, crawlers) to access the Service without our written consent
6. Interfere with or disrupt the integrity or performance of the Service
7. Circumvent any access controls or technical restrictions
8. Resell, sublicense, or otherwise commercially exploit the Service
9. Use the Service on behalf of multiple individuals under a single account, unless permitted by your plan tier
10. Upload Content that you know to be false or fraudulent

10. Intellectual Property

The Service and its original content (excluding your Content), features, and functionality are and will remain the exclusive property of Steadfast Financial, LLC and its licensors. Our trademarks, service marks, logos, and brand identity may not be used in connection with any product or service without our prior written consent.

You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial purposes, subject to these Terms. This license does not include the right to copy, modify, distribute, sell, or lease any part of the Service, or to reverse engineer or attempt to extract the source code of the Service.

If you provide us with feedback, suggestions, or ideas about the Service, you grant us a perpetual, irrevocable, royalty-free license to use that feedback without any obligation to compensate you.

11. Digital Millennium Copyright Act (DMCA)

We respect intellectual property rights. If you believe that material available on or through the Service infringes your copyright, you may send a notice of copyright infringement to our Designated Copyright Agent at:

Copyright Agent, Steadfast HSA, LLC
Email: dmca@steadfasthsa.com

Your notice must comply with the requirements of 17 U.S.C. § 512(c)(3) and include: (i) identification of the copyrighted work claimed to be infringed; (ii) identification of the infringing material and its location; (iii) your contact information; (iv) a statement of good faith belief; and (v) a statement under penalty of perjury that the information is accurate and that you are the copyright owner or authorized to act on their behalf.

12. Privacy

Your use of the Service is subject to our Privacy Policy. The Privacy Policy explains how we collect, use, and share information about you when you use the Service. By using the Service, you agree to our collection and use of information as described in our Privacy Policy.

We store your data in the United States. If you access the Service from outside the United States, you consent to the transfer of your data to the United States, where data protection laws may differ from those in your country. The Service is intended for use by US residents only.

13. Data Security

We implement commercially reasonable technical and organizational security measures designed to protect your Content from unauthorized access, alteration, disclosure, or destruction. These measures include encryption of data in transit and at rest, access controls, and regular security reviews.

However, no method of transmission over the Internet or electronic storage is 100% secure. We cannot guarantee absolute security of your data. You are responsible for maintaining the security of your Account credentials. In the event we become aware of a security breach that affects your data, we will notify you in accordance with applicable law.

14. Termination and Data Deletion

14.1 Termination by You

You may terminate your Account at any time by navigating to Account Settings and selecting "Delete Account," or by contacting us at legal@steadfasthsa.com. Upon termination, your subscription will not renew. You will retain access to the Service until the end of your current paid billing period.

14.2 Termination by Us

We may suspend or terminate your Account and access to the Service at any time, without prior notice, if we believe you have violated these Terms, engaged in fraudulent activity, or if required by law. We will endeavor to provide notice of termination where permitted by law.

14.3 Effect of Termination

Upon Account termination:

• Your right to access and use the Service ceases immediately.
• We will retain your Content for 30 days following termination to allow you to export your data. After 30 days, your Content will be permanently deleted from our systems.
• You may request an immediate data export at any time before the 30-day period expires.
• Provisions of these Terms that by their nature should survive termination will survive, including intellectual property provisions, warranty disclaimers, indemnification, and limitations of liability.

15. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, STEADFAST HSA, LLC DISCLAIMS ALL WARRANTIES, INCLUDING, WITHOUT LIMITATION, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND COURSE OF DEALING.

WE DO NOT WARRANT THAT: (A) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (B) THE RESULTS OBTAINED FROM USE OF THE SERVICE WILL BE ACCURATE OR RELIABLE; (C) THE SERVICE WILL MEET YOUR REQUIREMENTS; OR (D) ERRORS IN THE SERVICE WILL BE CORRECTED.

YOU ASSUME ALL RISK ASSOCIATED WITH YOUR USE OF THE SERVICE, INCLUDING THE RISK OF DATA LOSS. WE STRONGLY RECOMMEND THAT YOU MAINTAIN INDEPENDENT BACKUPS OF ALL IMPORTANT DOCUMENTS AND RECORDS. THE SERVICE IS A SUPPLEMENTARY RECORD-KEEPING TOOL AND SHOULD NOT BE YOUR SOLE REPOSITORY FOR CRITICAL FINANCIAL OR MEDICAL DOCUMENTATION.

16. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL STEADFAST HSA, LLC OR ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, SERVICE INTERRUPTION, COMPUTER DAMAGE, SYSTEM FAILURE, OR THE COST OF SUBSTITUTE SERVICES, ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR YOUR USE OF THE SERVICE, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

NOTWITHSTANDING ANY OTHER PROVISION OF THESE TERMS, IN NO EVENT WILL OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT YOU PAID TO US IN THE 12 MONTHS PRECEDING THE CLAIM; OR (B) $100.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. IN SUCH JURISDICTIONS, OUR LIABILITY IS LIMITED TO THE EXTENT PERMITTED BY LAW.

17. Indemnification

You agree to defend, indemnify, and hold harmless Steadfast HSA, LLC and its officers, directors, employees, agents, and affiliates from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from: (a) your use of and access to the Service; (b) your violation of these Terms; (c) your violation of any third party's rights, including intellectual property rights or privacy rights; (d) your Content; or (e) your breach of any representation or warranty made under these Terms.

18. Dispute Resolution and Arbitration

18.1 Informal Resolution

Before filing any formal dispute, you agree to contact us at legal@steadfasthsa.com and attempt to resolve the dispute informally for at least 30 days. We will attempt to resolve the dispute informally. If we cannot resolve the dispute informally within 30 days, either party may pursue formal dispute resolution.

18.2 Binding Arbitration

EXCEPT FOR DISPUTES RELATING TO INTELLECTUAL PROPERTY RIGHTS OR REQUESTS FOR INJUNCTIVE RELIEF, YOU AND STEADFAST HSA, LLC AGREE TO RESOLVE ANY DISPUTES EXCLUSIVELY THROUGH FINAL AND BINDING ARBITRATION, NOT IN COURT, EXCEPT THAT EITHER PARTY MAY BRING AN INDIVIDUAL CLAIM IN SMALL CLAIMS COURT IF ELIGIBLE.

The arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, which are available at www.adr.org. The arbitration will take place in the county of the Company's principal place of business, or by telephonic or videoconference. The arbitrator's decision will be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

18.3 Class Action Waiver

YOU AND STEADFAST HSA, LLC EACH WAIVE THE RIGHT TO BRING OR PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR REPRESENTATIVE ACTION. ALL DISPUTES MUST BE BROUGHT IN YOUR INDIVIDUAL CAPACITY.

18.4 Governing Law

These Terms are governed by the laws of the State of [STATE OF FORMATION], without regard to its conflict of law principles. Subject to the arbitration provision above, any legal action or proceeding shall be brought exclusively in the state or federal courts located in [STATE OF FORMATION].

19. General Provisions

19.1 Entire Agreement

These Terms, together with the Privacy Policy and any additional terms applicable to specific features or promotions, constitute the entire agreement between you and Steadfast Financial, LLC with respect to the Service, and supersede all prior agreements, understandings, or communications.

19.2 Changes to Terms

We may modify these Terms at any time. If we make material changes, we will notify you by email at least 30 days before the changes take effect, and will post the updated Terms on our website with a new effective date. Your continued use of the Service after the effective date of the updated Terms constitutes your acceptance. If you disagree with the updated Terms, you must stop using the Service and may terminate your Account as described in Section 16.

19.3 Severability

If any provision of these Terms is found to be invalid or unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will continue in full force and effect.

19.4 Waiver

Our failure to enforce any right or provision of these Terms will not be considered a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative of the Company.

19.5 Assignment

You may not assign or transfer these Terms or any rights or obligations hereunder without our prior written consent. We may assign these Terms in connection with a merger, acquisition, or sale of substantially all of our assets, provided that the successor entity agrees to be bound by these Terms.

19.6 Force Majeure

We will not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including acts of God, natural disasters, war, terrorism, pandemics, labor disputes, internet failures, or government actions.

19.7 Contact Us

If you have any questions about these Terms, please contact us at:

Steadfast Financial, LLC
Email: legal@steadfasthsa.com
Website: https://steadfasthsa.com