These Terms of Service (“Terms”) are a binding agreement between you and AM Systems (“Allot,” “we,” “us,” or “our”) and govern your access to and use of the Allot website, applications, and services (collectively, the “Service”). By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.
1. The Service
Allot is a personal and household budgeting tool that lets you track accounts, categorize transactions, set goals, and review your finances. The Service is provided for your personal use and is offered on a subscription basis after a free trial period.
2. Not Financial, Investment, Tax, or Legal Advice
Allot is a software tool, not a financial advisor, broker, bank, or tax preparer. Any figures, projections, suggestions, educational content, or AI-generated guidance in the Service are for informational purposes only and do not constitute financial, investment, tax, accounting, or legal advice. You are solely responsible for your financial decisions. Consult a qualified professional before acting on anything you see in the Service.
3. Eligibility and Accounts
- You must be at least 18 years old and able to form a binding contract.
- You must provide accurate information and keep your credentials confidential.
- You are responsible for all activity under your account.
- Notify us promptly at support@allot-app.com of any unauthorized use.
4. Trials, Subscriptions, Billing, and Cancellation
- Free trial. New accounts receive a 30-day free trial of Pro features. No payment is required to start the trial.
- Paid plans. After the trial, continued use of the Service requires a paid subscription. Plan features and prices are shown at sign-up and in your billing settings.
- Auto-renewal. Subscriptions renew automatically at the end of each billing period until cancelled. You authorize us and our payment processor to charge your payment method on each renewal.
- Cancellation. You may cancel at any time in the app or from your account settings on the web. Cancellation stops future renewals, and you keep access to paid features through the end of the billing period you have already paid for; it does not retroactively refund the current period unless required by law. You may resume a pending cancellation before it takes effect.
- Price changes. We will give you reasonable notice of any price change before it takes effect.
- Payments. Payments are processed by a third-party payment processor (Stripe). We do not store full card numbers on our servers.
5. Refunds
Our Refund Policy is part of these Terms. In short: a 14-day money-back guarantee on your first paid charge, fair treatment of forgotten renewals, and full respect for any statutory refund rights where you live. App Store purchases are refunded by Apple under its policy.
6. Your Data and Content
You own the financial data and content you enter into the Service (“Your Data”). You grant us a limited license to host, process, and display Your Data solely to operate and improve the Service for you. We do not sell Your Data. Our handling of personal information is described in our Privacy Policy.
7. Connected Accounts and Third-Party Services
The Service may let you connect external financial accounts through third-party providers (for example, bank connections via Plaid) and may rely on other third-party services. Your use of those providers is also subject to their terms and privacy policies. We are not responsible for the accuracy, availability, or actions of third-party services, and connectivity may be interrupted for reasons outside our control.
8. Imported Data, Projections, and Assistant Features
Balances and transactions imported from banks, card issuers, email or text alerts can be delayed, duplicated, missing or wrong at the source. Allot shows what it receives and flags duplicates where it can, but you are responsible for reviewing imported data before relying on it. Forecasts, safe-to-spend figures, payoff schedules and “Your Number” are estimates computed from the data in your account and the assumptions you set; they are not guarantees and can change as data changes.
Some features use automated systems, including large language models, to categorize, summarize or answer questions about your data (for example, the Allot assistant and insights). These outputs can be incomplete or incorrect. They are provided to help you think, not to decide for you, and they are never financial, tax, legal or investment advice. Features marked beta or preview may change or be withdrawn without notice.
9. Acceptable Use
You agree not to:
- Use the Service for any unlawful, fraudulent, or harmful purpose.
- Attempt to gain unauthorized access to the Service, other accounts, or our systems.
- Interfere with, disrupt, overload, probe, or reverse-engineer the Service.
- Resell, sublicense, or commercially exploit the Service without our written permission.
- Upload malicious code or infringe the rights of others.
10. Intellectual Property
The Service, including its software, design, and branding, is owned by AM Systems and protected by intellectual-property laws. Except for the rights expressly granted to you here, we reserve all rights. “Allot” and our logos are our marks and may not be used without permission.
11. Disclaimers
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT 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 Service will be uninterrupted, error-free, or that any data, calculation, or projection is accurate or complete.
12. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, AM SYSTEMS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US FOR THE SERVICE IN THE TWELVE MONTHS BEFORE THE CLAIM OR (B) USD $100. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.
13. Indemnification
You agree to indemnify and hold harmless AM Systems from any claims, damages, and expenses (including reasonable legal fees) arising from your misuse of the Service or your violation of these Terms or applicable law.
14. Termination
You may stop using the Service and delete your account at any time. We may suspend or terminate your access if you violate these Terms, fail to pay, or if we discontinue the Service. Upon termination, your right to use the Service ends; sections that by their nature should survive (including ownership, disclaimers, and limitation of liability) will survive.
15. Changes to These Terms
We may update these Terms from time to time. If we make material changes, we will provide reasonable notice (for example, by email or an in-app notice). Your continued use of the Service after changes take effect constitutes acceptance.
16. Dispute Resolution and Arbitration
Talk to us first. Most concerns are fixed in a day. Before starting any formal proceeding, you agree to email us at support@allot-app.com with a description of the issue and what you would like done, and to give us 30 days to resolve it informally. We agree to do the same before starting a proceeding against you.
Binding individual arbitration. If we cannot resolve a dispute informally, you and AM Systems agree that any dispute, claim or controversy arising out of or relating to these Terms or the Service will be resolved by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, before a single arbitrator. The arbitrator may award the same individual relief a court could. Arbitration will take place in Bartholomew County, Indiana, by video, or by written submissions, whichever you prefer. For claims under USD $10,000, we will pay the filing and arbitrator fees beyond your first USD $50 unless the arbitrator finds the claim frivolous. The Federal Arbitration Act governs this section.
Exceptions. Either party may bring an individual claim in small-claims court, and either party may seek an injunction in court to stop unauthorized use or abuse of the Service or infringement of intellectual property.
No class actions. Disputes are resolved only on an individual basis. You and AM Systems waive the right to bring or participate in a class, collective or representative action, and to a jury trial, to the extent permitted by law. If this waiver is found unenforceable for a particular claim, that claim proceeds in court, and the remaining disputes stay in arbitration.
Your right to opt out. You may reject this arbitration section by emailing support@allot-app.comwith the subject “Arbitration opt-out” within 30 days of first accepting these Terms. Opting out does not affect any other part of these Terms.
17. Governing Law
These Terms are governed by the laws of the State of Indiana, USA, without regard to its conflict-of-laws rules. You agree to the exclusive jurisdiction of the state and federal courts located in Indiana for any dispute not subject to arbitration or small-claims court, to the extent permitted by law.
18. App Store Terms
If you obtained the app from Apple’s App Store, these Terms are between you and AM Systems, not Apple. Apple has no obligation to provide maintenance or support and is not responsible for any claim relating to the app, but Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you. You must also comply with the App Store terms and any usage rules that apply.
19. Security, Incidents, and Your Part
We protect the Service with industry-standard measures described in our Privacy Policy. If we learn of a security incident affecting your personal data, we will notify you without undue delay and within any period required by law. You agree to keep your credentials confidential, to use the device security features we offer, and to tell us promptly about any unauthorized use of your account.
20. General
- Entire agreement. These Terms, the Privacy Policy, the Cookie Policy and the Refund Policy are the whole agreement between you and AM Systems about the Service.
- Severability. If any part of these Terms is unenforceable, the rest stays in effect.
- No waiver. Not enforcing a term is not a waiver of it.
- Assignment. You may not assign these Terms. We may assign them in connection with a merger, acquisition or sale of the Service, and we will notify you if we do.
- Force majeure. Neither party is liable for delays or failures caused by events beyond its reasonable control.
- Feedback. If you send us ideas or suggestions, we may use them without obligation to you.
- Export and sanctions. You may not use the Service where prohibited by United States export or sanctions law.
21. Notices and Company Details
The Service is provided by AM Systems LLC, an Indiana limited liability company with its principal place of business in Columbus, Indiana, USA. Legal notices to us: support@allot-app.com(subject “Legal notice”). Notices to you go to the email on your account or appear in the app.
22. Contact
Questions about these Terms? Contact us at support@allot-app.com.