Terms of Service for Hatching Mobile App

1. Acceptance of Terms

Terms of Service for Hatching Mobile App

Effective Date: September 7, 2025
Last Updated: September 7, 2025

Please review carefully these Terms of Service ("Terms") before using the services offered by Hatching ("we," "us," or "our"). These Terms constitute a legally binding agreement between Hatching and you, which regulates your use of the Hatching mobile application ("App") and related services, including all information, text, graphics, software, and our communications (the "Content"). The App, Content and our services are collectively called the "Services".

This is a subscription service that automatically renews. We also provide information about our subscription plans at or near the point of purchase. Please read these Terms (in particular, Section 7 "Payments and Refunds") carefully before starting a free trial or completing a purchase for the App auto-renewing subscription services. To avoid being charged you must cancel your subscription or trial at least 24 hours before the end of the free trial or the current subscription period. If you are unsure how to cancel a subscription or free trial, please visit Apple Support or contact us directly. Deleting the App does not cancel your subscriptions or free trials.

IMPORTANT NOTICE REGARDING ARBITRATION: WHEN YOU AGREE TO THESE TERMS YOU ARE AGREEING (WITH LIMITED EXCEPTION) TO RESOLVE ANY DISPUTE BETWEEN YOU AND HATCHING THROUGH BINDING, INDIVIDUAL ARBITRATION RATHER THAN IN COURT. PLEASE REVIEW CAREFULLY SECTION 13 "DISPUTE RESOLUTION" BELOW FOR DETAILS.

FURTHERMORE, THESE TERMS CONTAIN IMPORTANT DISCLAIMERS (SECTION 2), DISCLAIMERS OF WARRANTIES (SECTION 10), LIMITATION OF LIABILITY (SECTION 11) AND CLASS ACTION WAIVER (SECTION 13).

1. General Terms

1.1 These Terms establish a legally binding contractual relationship between you and Hatching. PLEASE READ THE TERMS CAREFULLY BEFORE USING THE SERVICES.

1.2 Please also review our Privacy Policy. The terms of the Privacy Policy and other supplemental terms, policies or documents that may be posted on the Services from time to time are hereby expressly incorporated herein by reference.

1.3 We may change these Terms at any time. We may provide you with notice about some critical changes, for example by email or by posting notifications in the App, but are not obliged to do so in every case. Any other changes will be notified to you only by updating the "Last updated" date of these Terms. If you don't agree to the changes, you should stop using the Services. Use of the Services after any changes to these Terms are made means that you accept such changes.

1.4 IF YOU DO NOT AGREE WITH ANY PART OF THESE TERMS, OR IF YOU ARE NOT ELIGIBLE OR AUTHORIZED TO BE BOUND BY THESE TERMS, THEN DO NOT DOWNLOAD THE APP OR OTHERWISE ACCESS OR USE THE SERVICES.

2. Important Disclaimers

THE APP PROVIDES FINANCIAL MANAGEMENT TOOLS AND AI-POWERED INSIGHTS FOR EDUCATIONAL AND INFORMATIONAL PURPOSES ONLY.

WE DO NOT PROVIDE FINANCIAL ADVICE, INVESTMENT ADVICE, TAX ADVICE, OR LEGAL ADVICE. Any financial insights, recommendations, or analysis provided by our App are for informational purposes only and should not be considered as professional financial advice. You should always consult with qualified financial professionals before making important financial decisions.

WE ARE NOT A BANK OR FINANCIAL INSTITUTION. We do not hold, store, or manage your money. We only provide read-only access to your financial account information through secure third-party services.

FINANCIAL DATA ACCURACY: While we strive to provide accurate financial information, we depend on data from third-party sources including banks and financial institutions. We cannot guarantee the accuracy, completeness, or timeliness of financial data displayed in our App. You should always verify important financial information directly with your bank or financial institution.

AI-POWERED INSIGHTS: Our AI analysis and recommendations are generated by automated systems and are provided for informational purposes only. These insights may not be suitable for your specific financial situation and should not replace professional financial advice.

3. Eligibility and Account Requirements

Age Requirements

You must be old enough to have your own bank account in your jurisdiction to use our App. The minimum age varies by location but is typically between 13-18 years old, depending on local banking regulations.

Account Registration

• You must provide accurate and complete information when creating your account through Apple or Google Sign-In

• You are responsible for maintaining the confidentiality of your account credentials

• You must notify us immediately of any unauthorized use of your account

• You may only create one account per person

Bank Account Connection

• You must have legal access to any bank accounts you connect to our App

• You authorize us to access your financial data through secure third-party providers on a read-only basis

• You represent that you have the right to share your financial information with us

• You can disconnect your bank accounts at any time through the App

4. Services Description

Hatching is a personal finance management application that provides:

• Financial account aggregation and transaction tracking through secure third-party integration

• AI-powered financial insights, analysis, and spending categorization

• Budgeting and financial planning tools

• Financial alerts and notifications including overdraft warnings and subscription reminders

• Additional financial management features as they become available

Our services are designed to help users better understand and manage their personal finances through secure, read-only access to financial account information.

5. Acceptable Use

You May

• Use our App for personal, non-commercial financial management purposes

• Connect your own bank accounts and financial institutions that you legally control

• Share feedback and suggestions for improving our services

You May Not

• Use our App for any illegal or unauthorized purpose

• Connect bank accounts that you do not legally control or own

• Attempt to gain unauthorized access to our systems or other users' accounts

• Interfere with or disrupt the operation of our App or servers

• Use our App to violate any applicable laws or regulations

• Reverse engineer, decompile, or attempt to extract our source code

• Create derivative works or copy any part of our App

• Use automated systems to access our App without permission

• Provide false or misleading information about your identity or financial accounts

• Use our App in any way that could damage our reputation or business

• Share your account credentials with other people

6. Financial Information and Data

Your Financial Data

• We access your financial information on a read-only basis through secure, encrypted third-party connections

• We do not store your banking login credentials

• We do not have the ability to initiate transactions, transfer money, or access your funds

• You can disconnect your bank accounts at any time through the App

• We use your financial data solely to provide our financial management services

Data Accuracy and Reliability

• We strive to provide accurate financial information, but we depend on data from third-party sources including banks and financial data providers

• You should verify important financial information with your bank or financial institution

• We are not responsible for errors in data provided by third-party services, banks, or financial institutions

• You are responsible for monitoring your actual bank accounts and statements

• Financial data may be delayed and may not reflect real-time account balances

AI-Powered Insights and Analysis

• Our AI analysis is provided for informational and educational purposes only

• Financial insights and recommendations are not professional financial advice

• You should not rely solely on our analysis for important financial decisions

• We strongly recommend consulting with qualified financial professionals for significant financial matters

• AI-generated insights may not be suitable for your specific financial situation

7. Payments and Refunds

Subscription Plans

Our App offers the following subscription plans:

• Base Plan: $8.99/month or $49.99/year

• Student Plan: $4.99/month or $35.99/year (30% discount with valid student verification)

• All subscription fees are charged in advance on a recurring basis

• Free 7-day trial available for new users on all plans

Payment Processing

• Payments are processed through Apple's App Store payment system

• Your subscription will automatically renew unless cancelled before the renewal date

• You can manage or cancel your subscription through iOS Settings > Apple ID > Subscriptions

• Subscriptions auto-renew unless canceled at least 24 hours before expiration

Free Trial Terms

• New users receive a 7-day free trial of premium features

• Unless you cancel at least 24 hours before the end of the free trial, you will be automatically charged the subscription fee

• You will receive a reminder before your free trial ends

• We reserve the right to modify or terminate free trial offers at our discretion

• We reserve the right to limit your ability to take advantage of multiple free trials

Price Changes and Promotional Offers

• We reserve the right to change our subscription prices with reasonable notice

• Price changes will not affect your current subscription period

• You will be notified of price changes before they take effect

• Student discounts require valid verification and are subject to our student verification policies

• Promotional pricing may have additional terms and conditions

Refunds and Cancellations

• Subscriptions purchased via the App Store are subject to Apple's refund policies

• We cannot directly grant refunds - you must contact Apple Support

• All subscription fees are non-refundable except as required by law

• Canceling your subscription disables automatic renewal but you retain access for the remaining subscription period

• Deleting the App does not cancel your subscription

8. Intellectual Property Rights

Our Rights

• All content, features, and functionality of our App are owned by us or our licensors

• Our trademarks, service marks, and logos are our exclusive property

• You may not use our intellectual property without our written permission

• The App and its original content, features, and functionality are protected by copyright, trademark, and other intellectual property laws

Your Rights

• You retain ownership of any personal data you provide to us

• We grant you a limited, non-exclusive, non-transferable license to use our App for personal use

• This license terminates when your account is closed or these Terms end

User-Generated Content

• Any feedback, suggestions, or ideas you provide to us may be used by us without compensation to you

• You grant us a perpetual, worldwide, royalty-free license to use any feedback or suggestions you provide

9. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and protection of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using our App, you consent to our Privacy Policy and our data practices as described therein.

10. Disclaimers and Limitations of Liability

Service Availability

• Our App is provided "as is" and "as available"

• We do not guarantee continuous, uninterrupted, or error-free operation

• We may suspend or terminate service for maintenance, updates, or other reasons

• We are not responsible for third-party service interruptions or failures

Financial Information and Advice Disclaimers

• NOT FINANCIAL ADVICE: Our App provides information and analysis tools, not professional financial, investment, tax, or legal advice

• We do not recommend specific financial products, investments, or financial decisions

• You are solely responsible for your financial decisions and their consequences

• We strongly recommend consulting qualified financial professionals for important financial decisions

• We are not liable for financial losses resulting from your use of our App or reliance on our information

Third-Party Service Disclaimers

• We depend on third-party services for financial data access and other functionality

• We are not responsible for the accuracy, availability, or performance of third-party services

• We do not control and are not responsible for third-party privacy practices or security

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

• NO WARRANTIES: We disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement

• LIMITED LIABILITY: Our total liability to you for any damages shall not exceed the amount you paid us in the 12 months before the claim, or $100 if you have not paid us any fees

• EXCLUDED DAMAGES: We are not liable for indirect, incidental, special, consequential, or punitive damages, including but not limited to financial losses, lost profits, or investment losses

• THIRD-PARTY SERVICES: We are not liable for errors, interruptions, or damages caused by third-party services, banks, or data providers

Indemnification

You agree to indemnify and hold us harmless from any claims, damages, losses, or expenses arising from:

• Your use of our App in violation of these Terms

• Your violation of any law or third-party rights

• Unauthorized use of your account due to your failure to secure your credentials

• Your financial decisions made based on information from our App

11. Third-Party Services and App Store Terms

Financial Data Providers

• We use secure third-party services to access your financial information

• These services have their own terms of service and privacy policies

• We are not responsible for the performance, accuracy, or availability of third-party financial data services

Apple App Store

• Your download and use of our App through the Apple App Store is subject to Apple's Terms of Service

• In case of conflict between these Terms and Apple's terms regarding App Store-related matters, Apple's terms prevail

• Apple is not responsible for our App or the content thereof

• You acknowledge that Apple has no obligation to furnish maintenance and support services for our App

Third-Party Links and Content

• Our App may contain links to third-party websites or services

• We do not endorse or control third-party content

• Your interactions with third-party services are governed by their respective terms

12. Account Termination

Termination by You

• You may terminate your account at any time through the App settings

• You may cancel your subscription through iOS Settings > Apple ID > Subscriptions

• Termination will cancel future subscription charges but does not provide refunds for unused periods

• You may request account and data deletion as outlined in our Privacy Policy

Termination by Us

We may suspend or terminate your account immediately if:

• You violate these Terms

• You engage in fraudulent, illegal, or harmful activity

• You provide false information during registration

• Your account remains inactive for an extended period

• We discontinue our service (with appropriate notice)

Effects of Termination

• Your right to use our App immediately ceases

• We may delete your account data in accordance with our Privacy Policy and applicable law

• You remain responsible for any charges incurred before termination

• Surviving provisions (including liability limitations and dispute resolution) remain in effect

13. Dispute Resolution

Governing Law

These Terms are governed by the laws of Canada, without regard to conflict of law principles. However, the arbitration clause below may apply to certain disputes.

Mandatory Arbitration (For Applicable Disputes)

You and Hatching agree that any dispute, claim or controversy arising out of or relating to these Terms or your use of the Services will be resolved through binding, individual arbitration rather than in court, except as provided below.

Exceptions to Arbitration

The following disputes are not subject to arbitration:

• Disputes that qualify for small claims court

• Intellectual property disputes

• Disputes seeking injunctive relief for violations of intellectual property rights

Arbitration Procedures

• Arbitration will be conducted under the rules of a recognized arbitration organization

• You may choose arbitration in your location or remotely

• Each party will bear their own arbitration costs except as required by applicable law

• The arbitrator's decision will be final and binding

Class Action Waiver

YOU AND HATCHING AGREE THAT DISPUTES WILL BE RESOLVED ONLY ON AN INDIVIDUAL BASIS AND NOT AS PART OF A CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION.

Geographic Considerations

If you reside in a jurisdiction that prohibits arbitration clauses, the dispute resolution provisions of your local jurisdiction will apply instead.

14. International Use and Export Controls

• Our App is controlled and operated from Canada

• We make no representation that our App is appropriate or legally available for use in all jurisdictions

• You are responsible for ensuring your use complies with local laws and regulations

• Our App and technology may be subject to export control laws - you agree to comply with all applicable export regulations

15. Additional Terms

Force Majeure

We are not liable for delays or failures caused by circumstances beyond our reasonable control, including natural disasters, government actions, third-party service interruptions, or other events of force majeure.

Severability

If any provision of these Terms is found unenforceable, the remaining provisions will remain in full effect, and the unenforceable provision will be modified to be enforceable while reflecting our original intent.

Assignment

We may assign these Terms or our rights and obligations to any third party without your consent. You may not assign these Terms without our written consent.

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding our Services and supersede all prior agreements and understandings.

No Waiver

Our failure to enforce any right or provision of these Terms will not constitute a waiver of that right or provision.

Survival

Provisions that by their nature should survive termination will continue to apply after these Terms end, including but not limited to liability limitations, dispute resolution provisions, and intellectual property rights.

Electronic Communications

By using our Services, you consent to receive electronic communications from us. These electronic communications will satisfy any legal requirement that communications be in writing.

16. Contact Information

For questions about these Terms of Service, subscription management, or other inquiries, please contact us:

Email: hello@hatchingapp.com
Website: https://hatchingapp.com

For Subscription Issues: If you have issues with your subscription purchased through the Apple App Store, please contact Apple Support directly or manage your subscription through iOS Settings > Apple ID > Subscriptions.

We will respond to inquiries within a reasonable timeframe.

Important Notice: These Terms of Service contain important limitations of our liability and your legal rights. Please read them carefully. Your use of Hatching constitutes acceptance of these terms.

Subscription Reminder: This is a subscription service with automatic renewal. Free trial users will be charged unless they cancel at least 24 hours before the trial expires. Deleting the app does not cancel your subscription.

© 2025 Hatching. All rights reserved.

I HAVE READ THESE TERMS AND AGREE TO ALL OF THE PROVISIONS CONTAINED ABOVE.