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Terms of Service / Consumer Terms

Lunch Money’s Terms of Service

These terms of service ("Terms" or "Agreement") are entered into by and between you and Lunchbag Labs Inc. ("we," or "us" or the "Company"). These Terms grant you access to, offer and govern your use of the website, applications, and other offerings (like our Discord Channel, as applicable) we provide, including https://lunchmoney.app/ and its related web and mobile applications (our "Services"). Your use of our API is governed by our API Terms of Service, which you can find on our website.

BY USING THE SERVICES OR BY CLICKING TO ACCEPT THESE TERMS, YOU ACCEPT AND AGREE TO BE BOUND AND COMPLY WITH THESE TERMS AND CONDITIONS AND ALL OTHER TERMS AND POLICIES INCORPORATED HEREIN BY REFERENCE. IF YOU DO NOT AGREE TO THESE TERMS AND CONDITIONS, YOU MUST NOT ACCESS, USE OR MAKE ANY PURCHASES THROUGH THE SERVICES.

YOU MAY NOT ORDER OR OBTAIN PRODUCTS OR SERVICES FROM THE SERVICES IF YOU (A) DO NOT AGREE TO THESE TERMS, (B) ARE NOT AT LEAST 18 YEARS OF AGE, OR (C) ARE PROHIBITED FROM ACCESSING OR USING OUR SERVICES, OR ANY RELATED SERVICE OR CONTENT, BY APPLICABLE LAW.

By using the Services, you represent and warrant that you are the legal age of majority under applicable law to form a binding contract with the Company and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Services.

Updates to These Terms

We may update these Terms (in our sole discretion) periodically, so we encourage you to check our Services for updates. All revisions become effective immediately at the time we post them, unless we state otherwise. Your continued use of the Services after such updated Terms come into force means you accept and agree to the changes, and you will be bound by such updated Terms going forward if you continue using our Services.

Your Access & Account

When you access our Services, you may be asked to provide certain personal information, including your contact information (such as your name and email address) or payment information (if you are purchasing something from us). You represent and warrant that all information you provide to us is current, complete and correct. All the information you provide will be collected and used in accordance with our privacy policy (the "Privacy Policy"), which can be accessed at https://lunchmoney.app/privacy.

When you use our Services to import information from financial institutions and cryptocurrency platforms, you agree that (i) we may collect this information from the service providers (like Plaid) delivering it to us, (ii) we may use this information for the purpose of delivering our Services to you and in compliance with our Privacy Policy, and (iii) you will abide by those service providers’ terms (in addition to our Terms).

Additionally, while we strive to offer you continuous access to our Services, our Services may be unavailable from time to time. We will not be liable if your access or use of our Services are interrupted or if any part of the Services are unavailable for a period of time. We also reserve the right to change our Services and any related features in our sole discretion.

Intellectual Property Rights

The Services include functions, features, and content that we own or are licensed to us. All of our Services’ functions, features, and content are owned by us, our licensors, or other rightful owners, and all functions, features, and content are protected by copyright, trademark, patent, trade secret, and any other applicable intellectual property laws. No right, title, or interest in the Services or any of its functions, features, or content is transferred to you, and we reserve all rights not expressly granted to you.

You may not reproduce, distribute, modify, create derivative works of, publicly display, publicly perform, republish, download, store, or transmit any of our intellectual property, unless we agree otherwise in writing.

Our trademarks, including the name “Lunchbag Labs”, “Lunch Money” and our smiling coin logo, are trademarks of ours. You may not use our trademarks without our prior written consent, nor may you use the names, logos, designs, slogans, or any other sign used as a trademark of ours, our affiliates or our licensors, without the necessary permission to do so.

Prohibited Uses

Your use of our Services is conditional on you using our Services for lawful purposes only and in accordance with these Terms.

You agree that you will not use our Services:

  1. To do anything that limits another person’s use or enjoyment of our Services.
  2. In a way that violates any applicable laws or regulations.
  3. In a way that could disable, overburden, damage, or impair our Services.
  4. To transmit, or procure the sending of, any advertising or promotional material, including any "junk mail", "chain letters”, "spam", or any other similar solicitation.
  5. To impersonate or suggest an association with us, our employees, or another user without permission.
  6. To harm us, our affiliates, licensors, customers, or associates, or expose any of them to liability.
  7. To send, knowingly receive, upload, download, use, or re-use any functions, features, or content associated with our Services in a way that does not comply with paragraphs above.
  8. Involve, provide, or contribute any false, inaccurate, or misleading information in any way that does not comply with the paragraphs above.

You also agree that you will not:

  1. Use any software, device, bot, automatic means, or manual process to access our Services or copy any of our Services’ content in any manner that adversely affects our operation of the Services, our rights or our users’ use of the Services.
  2. Use our Services in any manner that could interfere with any other party's use of the Services.
  3. Introduce any malicious or harmful technology, including trojan horses, worms, or logic bombs.
  4. Attempt to gain unauthorized access to, interfere with, damage, or disrupt any part of our Services, our server, our database, or our computer systems.
  5. Otherwise attempt to interfere with the proper working of our Services or create liability for us, our customers or our service providers.

You must also abide by certain requirements relating to the information and data you provide, upload or otherwise contribute (“Contributions”) to our Services. Your Contributions must not:

Monitoring and Enforcement; Termination

Your acceptance of these Terms means we have the right to:

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOU WAIVE AND HOLD HARMLESS US AND OUR AFFILIATES, AND THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, SERVICE PROVIDERS, CONTRACTORS, LICENSORS, LICENSEES, SUPPLIERS, AND SUCCESSORS, FROM ANY AND ALL CLAIMS RESULTING FROM ANY ACTION TAKEN BY US AND ANY OF THE FOREGOING PARTIES RELATING TO ANY INVESTIGATIONS BY EITHER THE COMPANY OR SUCH PARTIES OR BY LAW ENFORCEMENT AUTHORITIES.

Reliance on Links & Information Posted

The information, functionality and third-party links offered through our Services are important to us, but it might not be perfect. Accordingly, we encourage you to use our information and the links we provide, but you do so at your own risk.

Our Services and our Discord channel may include content provided by third parties, such as our customers or businesses we work with. We do not take responsibility for the content provided by these third parties, and their contributions may not align with our views. In addition, we cannot guarantee that the information and third-party links are accurate, complete, or useful. Please take precautions when using any content provided by a third party.

Although we make reasonable efforts to update the information on our Services, we make no representations, warranties, or guarantees, whether express or implied, that the content or third-party links provided through our Services are accurate, complete, or up to date, and we assume no liability for the content, links or communications appearing on or provided through our Services.

Free Trials & Promotions of Our Services

FREE TRIALS

We may, at our sole discretion, offer free trials for certain features or subscription plans. If a free trial is offered, the specific terms and duration will be specified at the time of sign-up.

You may be required to provide valid billing information to initiate a free trial. If you do not cancel your subscription before the end of the trial period, your chosen payment method will be charged the applicable subscription fees beginning on the day after the trial ends.

We reserve the right to modify or cancel free trial offers at any time without notice. Free trials are limited to one per user unless otherwise stated.

PROMOTIONS

From time to time, we may also offer promotions such as discounts, special offers, contests, or referral programs (“Promotions”), subject to limitations imposed by applicable law. These Promotions may be subject to additional terms and conditions, which will be made available at the time of the Promotion.

We reserve the right to modify, suspend, or terminate any Promotion at any time without prior notice.

Purchases of Our Services

Purchases of our Services (except where our Coaching Terms provide otherwise) are governed by the following terms:

PRICES & PAYMENT

We offer different (e.g. monthly or yearly) subscriptions to our Services. When you buy a subscription, you are purchasing our Services for the subscription period you choose. At the end of your subscription period, your subscription will automatically renew on your renewal date unless it’s cancelled (more on that below). Your “renewal date” is the monthly or annual anniversary (depending on the subscription you choose) of the date you purchase a subscription.

Beginning on the date of your subscription purchase, we will charge the payment method (e.g. your credit card) you provide, and we will continue to charge the payment method you provide on each renewal date until your subscription is cancelled by you or us. By purchasing a subscription to our Services, you authorize us to charge the payment method you provide on the date of your initial purchase and on each subsequent renewal date until your subscription ends.

When purchasing an annual subscription to our Services, you may have the option of choosing a price for your annual subscription (subject to price minimums we implement from time to time). The price you choose will be the price charged for your subscription. Unless applicable law requires otherwise, you will not be refunded for any changes you make to your chosen price after payment is made. After purchasing a subscription that allows you to choose a price, changes to your chosen subscription price will not apply in your then-current subscription period and may only apply to future renewal periods.

The prices we charge will be the prices in effect at the time a purchase is made, which will be set out in the invoice associated with your purchase. Posted prices do not include taxes or other services charges. All such taxes and charges will be added to your invoice and itemized.

We strive to display accurate price information; however, we may, on occasion, make inadvertent typographical errors, creating inaccuracies related to pricing and availability. We reserve the right to correct any errors, inaccuracies, or omissions at any time and to cancel any purchases relating to such occurrences.

Terms of payment are within our sole discretion and, unless otherwise agreed by us in writing, payment must be received by us before we provide use or access (or continuing use or access) to our Services. All prices, discounts, and promotions associated with our Services are subject to change without notice. You represent and warrant that (i) the payment information you supply to us is true, correct and complete, (ii) you are duly authorized to use the payment information and methods provided to us for purchases, and (iii) charges incurred by you will be honoured by you and any relevant third party (e.g. a credit card company). Subject to applicable law, any breach of these representations and warranties will result in us (a) terminating your subscription (including all access and use of our Services), (b) terminating your access to and use of our Services, and (c) prohibiting you from purchasing future subscriptions or continuing to use your account.

USERS WITH SUBSCRIPTIONS PAID BY ORGANIZATION CUSTOMERS

If your subscription to our Services is paid for by an Organization Customer, your subscription will remain valid as long as the Organization Customer's plan covering your subscription remains active. Organization Customers decide who may use their discount code in their sole discretion, and we are not responsible for those decisions. An "Organization Customer" is an organization that purchases subscriptions for their personnel to use, allowing those individuals to use our Services on a pre-paid basis.

If your subscription is no longer pre-paid by an Organization Customer, the following will apply:

PAUSING YOUR SUBSCRIPTION

You may pause your subscription at any time. Please note, however, that you may not have access to our Services while your subscription is paused, but we will not delete your account while it is paused (unless you ask that we delete your information or you breach these Terms).

If you choose to pause your subscription, your subscription will not be automatically renewed while your subscription is paused. To resume your subscription, you must enroll in a new subscription and the unused portion of your prior subscription (i.e. the unused portion of the subscription you purchased prior to your subscription pause) will be applied as a credit to your new subscription. For example, if you purchase an annual subscription and pause it at the six-month mark, you must enroll in a new subscription to resume your use of our Services, and – in this example – a six month credit will be applied to this new subscription.

Exception: If you paused your subscription before November 3, 2025 and choose to cancel before it resumes, we will – at your request – honour our prior policy of refunding pro-rated credits that are at least 3 full units of your billing currency (e.g., CA$3, US$3, or €3). Refunds will not be issued to customers who paused their subscription before November 3, 2025, resumed it after that date, and later cancel (except as otherwise described in these Terms). Similarly, refunds will not be provided to customers who pause their subscription after November 3, 2025, subject to the exceptions described elsewhere in these Terms.

CANCELLATIONS

You may cancel your subscription at any time.

If you choose to cancel, your account will remain active for the rest of your purchased subscription period, and your subscription will not be renewed on your next renewal date. For example, if you are a monthly subscriber, your account will remain active for the remainder of the monthly period in which you choose to cancel your subscription. Similarly, if you are an annual subscriber, your account will remain active for the remainder of your current annual subscription period. Regardless of your chosen subscription period, your subscription to our Services will terminate at the end of your current subscription period if you choose to cancel.

When cancelling your subscription, you may request that we delete your account (and its information) before the end of your current subscription period. We will delete your account and its data in accordance with our Privacy Policy, where you can find more information about data deletion requests.

If you cancel your account, we do not typically provide refunds for your remaining subscription period. Instead, we provide you with continued access to our Services until your next renewal date. Nevertheless, if you believe your circumstances justify a prorated refund (for the period between your cancellation date and your next renewal date), you may contact us at [email protected]. Although we do not usually offer refunds for subscriptions to our Services, we will consider refund requests on a case-by-case basis (unless the law requires otherwise).

For our customers who purchase a subscription through a third-party: Please note that if you purchase a subscription to our Services through a third-party, such as Apple Inc.’s application store, your subscription may be managed on that third-party’s platform. As such, you may need to use that platform to cancel your subscription, and we are not responsible for the refund or cancellation practices of those third parties.

While we offer you the ability to cancel and pause your subscription at any time, we may also cancel or suspend your subscription in certain circumstances. For example, we may cancel or suspend any subscription you have purchased if (A) you fail to pay the applicable subscription fees and any applicable taxes in a timely manner; or (B) you violate these Terms or the terms of any other agreement between you and us. If your subscription is terminated by us, you will not be entitled to a refund for any unused portion of your subscription, and we reserve the right to delete your information in accordance with our Privacy Policy.

If you have a billing issue, we encourage you to reach out to us at [email protected].

Geographic Restrictions

We are based in Ontario, Canada. The Services are not intended for use in any jurisdiction where its use is not permitted, and we do not make any representations or warranties that our Services may be used outside our local jurisdiction. If you access the Services from outside Ontario, you do so at your own risk and you are responsible for compliance with local laws of your jurisdiction.

Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED UNDER APPLICABLE LAW, YOU UNDERSTAND AND AGREE THAT YOUR USE OF THE SERVICES, ITS CONTENT, AND ANY SERVICES OR ITEMS FOUND OR ATTAINED THROUGH THE SERVICES IS AT YOUR OWN RISK. THE SERVICES, ITS CONTENT, AND ANY SERVICES OR ITEMS FOUND OR ATTAINED THROUGH THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT ANY WARRANTIES OR CONDITIONS OF ANY KIND, EITHER EXPRESS OR IMPLIED INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

YOU ARE SOLELY AND ENTIRELY RESPONSIBLE FOR YOUR USE OF THE SERVICES AND YOUR COMPUTER, INTERNET, AND DATA SECURITY. TO THE FULLEST EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY LOSS OR DAMAGE CAUSED BY ANY TECHNOLOGICALLY HARMFUL ATTACK OR MATERIAL THAT MAY INFECT YOUR COMPUTER EQUIPMENT, COMPUTER PROGRAMS, DATA, OR OTHER PROPRIETARY MATERIAL DUE TO YOUR USE OF THE SERVICES OR ITEMS FOUND OR ATTAINED THROUGH THE SERVICES OR ON ANY WEB SERVICES LINKED THERETO. THE FOREGOING DOES NOT AFFECT ANY WARRANTIES THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Limitation on Liability

TO THE FULLEST EXTENT PERMITTED UNDER APPLICABLE LAW, IN NO EVENT WILL THE COMPANY BE LIABLE UNDER OR IN CONNECTION WITH THIS AGREEMENT UNDER ANY LEGAL OR EQUITABLE THEORY, INCLUDING BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, AND OTHERWISE, FOR ANY: (a) CONSEQUENTIAL, INCIDENTAL, INDIRECT, SPECIAL, AGGRAVATED, PUNITIVE, OR EXEMPLARY DAMAGES; (b) INCREASED COSTS, DIMINUTION IN VALUE OR LOST BUSINESS, PRODUCTION, REVENUES, OR PROFITS; (c) LOSS OF GOODWILL OR REPUTATION; (d) USE, INABILITY TO USE, LOSS, INTERRUPTION, DELAY OR RECOVERY OF ANY DATA, OR BREACH OF DATA OR SYSTEM SECURITY; OR (e) COST OF REPLACEMENT GOODS OR SERVICES, IN EACH CASE REGARDLESS OF WHETHER THE COMPANY WAS ADVISED OF THE POSSIBILITY OF SUCH LOSSES OR DAMAGES OR SUCH LOSSES OR DAMAGES WERE OTHERWISE FORESEEABLE. TO THE FULLEST EXTENT PERMITTED UNDER APPLICABLE LAW, IN NO EVENT WILL THE COMPANY’S LIABILITY ARISING OUT OF OR RELATED TO THIS AGREEMENT UNDER ANY LEGAL OR EQUITABLE THEORY, INCLUDING BREACH OF CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, AND OTHERWISE EXCEED ONE (1) TIMES THE TOTAL AMOUNTS PAID TO THE COMPANY UNDER THIS AGREEMENT IN THE 3 MONTH PERIOD PRECEDING THE EVENT GIVING RISE TO THE CLAIM OR $100 DOLLARS, WHICHEVER IS LESS.

Indemnification

To the maximum extent permitted by applicable law, you agree to defend, indemnify, and hold harmless the Company, its parent, subsidiaries, affiliates, and their respective directors, officers, employees, agents, service providers, contractors, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including attorneys’ fees) arising out of or relating to any claim in connection with your use of the Services or your negligence, wilful misconduct, or breach of this Agreement. You shall not enter into any settlement without our prior written consent.

Force Majeure

We will not be liable or responsible to you, or be deemed to have defaulted under or breached these Terms, for any failure or delay in fulfilling or performing any of these Terms when and to the extent our failure or delay is caused by or results from acts beyond our reasonable control.

Governing Law and Jurisdiction

The Services and these Terms will be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without giving effect to any choice or conflict of law provision, principle, or rule (whether of the laws of the Province of Ontario or any other jurisdiction) and notwithstanding your domicile, residence, or physical location, and the United Nations Convention on the International Sale of Goods shall not apply.

Any action or proceeding arising out of or relating to the Services or these Terms will be instituted in the courts of the Province of Ontario and/or the Federal Court of Canada (as it operates in that province), and each party irrevocably submits to the exclusive jurisdiction of such courts in any such action or proceeding. You waive any and all objections to the exercise of jurisdiction over you by such courts and to the venue of such courts.

Waiver, Severability & Entire Agreement

Our failure to exercise or enforce any right or provision of these Terms will not constitute a waiver of future enforcement of that right or provision. If any provision of these Terms is invalid, illegal, void, or unenforceable, that provision will be deemed severed and will not affect the validity or enforceability of the remaining provisions.

These Terms, including any documents and other policies incorporated herein by reference, will be deemed the entire agreement between you and us with respect to the subject matter of these Terms, and supersedes all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, regarding such subject matter. Any terms herein that by their nature are intended to continue beyond the termination or expiration of this Agreement will survive termination.

Our Relationship with You

These Terms do not create a partnership, franchise, joint venture, agency, fiduciary or employment relationship between us and you, and there are no third-party beneficiaries to this Agreement except as otherwise expressly provided in this Agreement. The Terms are personal to you and may not be assigned or transferred for any reason whatsoever without our prior written consent and any action or conduct in violation of the foregoing will be void and without effect. We expressly reserve the right to assign this Agreement and to delegate any of its obligations hereunder.

Third-Party Service Providers

We work with many third parties to provide our Services to you. For example, we make our mobile application available to you through Apple Inc.’s application store. As such, it’s important to be clear about how this Agreement applies to you vis-à-vis these third parties.

With respect to our Services (including our mobile app) that are made available through Apple Inc.’s application store, the following terms apply:

The terms set forth in this section shall apply to the maximum extent permitted under applicable law.

Contact

All feedback, comments, requests for technical support, and other communications relating to the Services should be directed to us using the following information:

Mailing Address: Lunchbag Labs Inc., 1222-68 Abell Street, Toronto, Canada M6J0B1

Email: [email protected].

Last Modified: May 25, 2026