Marvin Money — Terms of Service

Please read carefully. These Terms include (a) a binding-arbitration clause and class-action waiver in Section 22 (with a 30-day opt-out for U.S. residents), (b) an "as is" disclaimer of warranties in Section 16, (c) a limitation of liability in Section 17 that caps our exposure, and (d) country-specific provisions in Section 23 that may apply to you. They affect your legal rights.

1. Agreement

These Terms of Service (the "Terms") form a binding legal agreement between you ("you", "your", the "User") and Mars Enterprises Inc., a private limited company incorporated in India (together with its affiliates, "we", "us", "our", "Mars"), governing your access to and use of Marvin Money — the mobile and web application available at marvinmoney.com, app.marvinmoney.com, and on the Apple App Store and Google Play, together with all related features, APIs, content, and services we provide (collectively, the "Service").

By creating an account, downloading the app, clicking "I agree", or otherwise accessing or using the Service, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Page, which is incorporated by reference. If you do not agree, do not use the Service.

Marvin Money is the product. Mars Enterprises is the company. Signing up = agreeing to these Terms, including the arbitration and liability sections.

2. Definitions

In these Terms:

"Affiliate" means any entity that controls, is controlled by, or is under common control with Mars Enterprises Inc., including any parent, subsidiary, or sister entity.
"AI Output" means any text, number, forecast, category, insight, or other content produced by the Service's machine-learning or artificial-intelligence features, including receipt extraction, statement parsing, forecasts, suggestions, and chat responses.
"Mars Parties" means Mars Enterprises Inc., its Affiliates, and each of their respective directors, officers, employees, contractors, agents, advisers, equity holders, investors, lenders, licensors, and suppliers.
"User Content" means any data, file, image, receipt, statement, transaction record, message, comment, setting, or other material that you upload, submit, generate, or transmit through the Service.

3. Eligibility & geographic restrictions

You may use the Service only if you:

Are at least 16 years old (or the age of digital consent in your country, whichever is higher);
Have the legal capacity to enter into a binding contract under the laws of your country of residence;
Are not barred from receiving the Service under any applicable law, regulation, or order; and
Are not located in, organised under the laws of, ordinarily resident in, or a national of any country or territory subject to a comprehensive trade embargo or sanctions programme administered by the Government of India, the United Nations Security Council, the U.S. Department of the Treasury (OFAC), the European Union, the United Kingdom (OFSI), or other relevant authority, and are not on any restricted-party, denied-persons, or specially-designated-nationals list maintained by those authorities.

We may, at our sole discretion, restrict, suspend, or refuse the Service in any jurisdiction where we determine its provision would be unlawful, impractical, or commercially unreasonable.

If you are using the Service on behalf of an organisation, you represent that you are authorised to bind that organisation, and "you" includes that organisation.

4. Your account

To use most features you must create an account. You agree to provide accurate, current, and complete information during registration and to keep it current. You are responsible for all activity under your account and for safeguarding your credentials. Notify us immediately at security@marvinmoney.com if you suspect unauthorised access or any other security breach.

Accounts are personal. One human, one account. You may not sell, transfer, or assign your account without our prior written consent. Account sharing across multiple people is grounds for suspension.

We may suspend, restrict, or terminate accounts that we reasonably believe to be inactive for an extended period, fraudulent, duplicated, or in breach of these Terms.

5. Acceptable use

You agree not to, and not to allow any third party to:

Use the Service to launder money, finance terrorism, evade taxes, defraud anyone, or violate any applicable law, regulation, or court order in any jurisdiction;
Upload, store, or transmit User Content that you do not own or are not otherwise authorised to share, or that infringes any intellectual property, privacy, publicity, or other right of any person;
Reverse-engineer, decompile, disassemble, scrape, crawl, or otherwise attempt to derive the source code, underlying ideas, algorithms, model weights, or non-public APIs of the Service, except to the extent such restriction is prohibited by applicable law;
Attempt to circumvent, manipulate, "jailbreak", prompt-inject, or otherwise cause the Service's AI features to operate outside their intended guardrails or to generate content that violates these Terms;
Use the Service to harass, abuse, exploit, or harm minors, or to transmit malware, viruses, worms, ransomware, or other malicious code;
Probe, scan, or test the vulnerability of the Service, or breach any security or authentication measure, except as part of a coordinated disclosure programme we have authorised in writing;
Use the Service or any AI Output to build a competing product, benchmark it for publication, or train any machine-learning model without our prior written consent;
Interfere with, degrade, or disrupt the Service or any servers or networks connected to it (including via excessive automated requests or denial-of-service techniques);
Resell, sublicense, lease, rent, time-share, or otherwise commercially exploit the Service or any part of it without our written consent;
Misrepresent your identity, impersonate any person or entity, or falsely state your affiliation with a person or entity;
Remove, obscure, or alter any proprietary notice on the Service.

We may, without notice and at our sole discretion, suspend, throttle, or terminate access for any user we reasonably believe to be in breach of this Section 5.

6. Subscriptions, billing & refunds

Plans

The Service is offered on the tiers described on our pricing page (currently Free, Starter, Pro, and Pro+). Features available on each tier may change as we improve the Service.

Auto-renewal

Paid subscriptions automatically renew at the then-current rate at the end of each billing cycle (monthly or annual) until cancelled. By starting a paid subscription, you authorise us — or, where applicable, the relevant app store — to charge your payment method on file at each renewal.

Cancellation

Web: Settings → Subscription → Cancel.
iOS: through your Apple ID subscription manager.
Android: through Google Play subscription manager.

Cancellation takes effect at the end of the then-current billing cycle. You retain paid features until that date.

Refunds

Except where required by mandatory consumer-protection law, monthly plans are non-refundable. For annual plans purchased directly from us, you may request a pro-rated refund within 30 days of the most recent payment by emailing billing@marvinmoney.com. Refunds for purchases made through Apple or Google must be requested through the relevant store and are subject to that store's policies. Country-specific consumer rights are set out in Section 23.

Pricing & taxes

Prices are localised based on your country of residence and may use purchasing-power-parity adjustments. Prices exclude any applicable taxes, duties, GST, VAT, HST, or similar government charges, which you are responsible for paying. Where we are required by law to collect such taxes, we will display them at checkout and remit them to the relevant authority.

Price changes

If we change the recurring price of your plan, we will notify you by email and/or through the Service at least 30 days before the change takes effect (or such longer notice as required by law). The new price applies at your next renewal after that period unless you cancel or downgrade first.

Failed payments

If a payment fails, we will retry over a reasonable period and notify you. If we are unable to collect after that period, we may downgrade the account to Free. Your data is retained on Free; you may resume a paid plan at any time.

Shared bills (Starter and above)

Sharing a planned bill with a partner is available only on a paid plan (Starter, Pro, or Pro+). Both people must link their accounts from within the app before any bill can be shared. The person who creates a shared bill controls it — they set and edit each person's share; the partner reviews and accepts a shared bill before it affects their own budget. Each person's timeline only ever reflects their own share, never the full amount. Either party can unlink at any time.

What happens to shared bills if your plan ends

If you cancel, your plan reverts to Free, or a paid trial lapses, bill sharing is suspended: each shared bill becomes that person's own private bill keeping only their own share — nothing is deleted and no amount is changed — and the partner link is broken. Sharing resumes only if you start a paid plan again and re-link. Free accounts cannot create or accept shared bills.

Plans renew automatically. Cancel anytime. Monthly is non-refundable; annual gets a pro-rated refund within 30 days. App Store / Play Store purchases follow their refund rules. Sharing bills with a partner needs a paid plan; revert to Free and each shared bill becomes that person's own private bill and the link ends.

7. Free trial

New users may receive a free trial of a paid plan (currently Pro for 7 days). Trial duration, eligibility, and features may change at our discretion.

Web (marvinmoney.com): no payment method is required to start the trial. Your account reverts to Free at the end unless you have selected a paid plan and added a valid payment method.
App Store / Google Play: Apple and Google require a payment method on file before a trial can begin (their policy, not ours), and the subscription will auto-renew at the listed rate at the end of the trial unless you cancel through your device's subscription settings before that date. We have no ability to waive that requirement.

Only one trial per user. We may revoke trial access at any time if we suspect abuse (e.g., serial trial creation or fraudulent payment methods).

8. Your content

You retain ownership of your User Content. You grant us a worldwide, non-exclusive, royalty-free, sublicensable (only to our sub-processors) licence to host, store, reproduce, transmit, display, and process your User Content solely for the purpose of providing, securing, and improving the Service for you.

You represent and warrant that you own or have all necessary rights, consents, and permissions to upload your User Content and to grant the licence described above, and that your User Content does not infringe the rights of any third party or violate any law. You are solely responsible for the accuracy, completeness, and legality of your User Content.

We do not use your User Content to train shared or third-party AI models, sell it to advertisers, or share it with third parties beyond the partners listed in our Trust Center (referenced from our Privacy Page), and only as necessary to run the Service.

Your data is yours. We hold it only to run the app for you. We don't sell it. We don't train shared AI on it.

9. Feedback

If you send us suggestions, ideas, comments, bug reports, or other feedback about the Service ("Feedback"), you grant us a perpetual, irrevocable, worldwide, royalty-free, transferable, sublicensable licence to use, reproduce, modify, distribute, and incorporate that Feedback into the Service or any other product, with no obligation of attribution or compensation. You agree that Feedback is provided voluntarily and is not confidential.

10. AI features & financial-advice disclaimer

The Service uses artificial intelligence to read receipts and statements, generate forecasts and insights, and answer questions in chat. AI Output is generated automatically based on data you provide and is intended only to help you understand your own information.

AI Output is not, and must not be relied on as, regulated financial advice, investment advice, tax advice, legal advice, accounting advice, insurance advice, or any other regulated professional advice.

We are not a bank, broker-dealer, investment adviser, financial planner, accountant, tax adviser, lawyer, or insurer. No fiduciary, advisory, agency, or other professional-client relationship is created by your use of the Service. AI Output is not a statement, representation, warranty, or commitment by Mars or any Mars Party, and the Service is not authorised to make any binding promise on our behalf. AI Output may contain errors, omissions, or inaccuracies — including misread receipt fields, miscategorised transactions, or forecasts that turn out to be wrong.

You are responsible for verifying any number, fact, or recommendation generated by the Service before acting on it, and for consulting a licensed professional in your jurisdiction for any consequential financial, legal, or tax decision. To the maximum extent permitted by applicable law, the Mars Parties disclaim any liability for losses, damages, missed opportunities, or adverse outcomes arising from your reliance on AI Output.

Marvin gives you smart context. It's not a regulated financial adviser, it can be wrong, and it can't promise anything on our behalf. Verify big decisions with a real professional.

Marvin AI usage allowance

No subscription plan provides unlimited Marvin AI usage. Each plan includes a monthly Marvin AI usage allowance. When you reach this allowance, AI chat and Vision-based receipt scanning pause until the start of your next billing cycle. Other AI-assisted features (such as spending insights) continue to work with reduced response quality. Your current usage and reset date are visible in your account Settings.

If you exhaust your monthly allowance and don't want to wait for the reset, you may purchase additional Marvin AI credits at any time, in any quantity. Credits can only be purchased on the web at marvinmoney.com — they are not sold inside the iOS or Android apps. Credits are sold and billed exclusively in Canadian dollars (CAD), regardless of the country in which you reside or the currency in which your subscription is billed. If your card or bank account uses a different currency, your card issuer performs the foreign-currency conversion at the time of purchase using their own exchange rate; Marvin neither sets nor receives any portion of that exchange-rate margin. Credits are usable only on Pro or Pro+ subscriptions; if your plan drops to Free or Starter, any unused credit balance is preserved but paused until you upgrade back to Pro or Pro+. Purchased credits stack on top of your monthly allowance, do not expire while your subscription remains active, and are non-refundable except where required by applicable law. Credits are tied to your account and cannot be transferred, resold, or redeemed for cash. Marvin does not take any margin on credit purchases — your purchase amount, less only the third-party payment-processing fee charged by our processor, is granted as Marvin AI usage credits. Credit consumption is tracked separately from your monthly allowance and is visible in your account Settings. Marvin AI credits may also be granted as referral rewards to both the referring user and the referred user; such credits are subject to the same usability conditions described in this section (usable only on Pro or Pro+, otherwise preserved but paused).

Fair use

Even within your monthly allowance or any purchased credits, you agree not to use Marvin AI in ways that materially exceed typical consumer use patterns — including automation, scripting, scraping, bulk processing, account sharing, or commercial resale of AI Output. We may, with notice where feasible, throttle, suspend, or terminate access for usage that violates this policy.

Plain English: Marvin AI isn't unlimited on any plan. You get a monthly budget; chat and receipt scanning pause when it's spent, and reset on your next billing date. Don't run scripts or scraping against it, don't share your account, and don't resell Marvin's replies. We can throttle or suspend if usage looks like that.

11. App stores & third-party services

Apple App Store users

These Terms are between you and Mars Enterprises only, not Apple Inc. ("Apple"). Apple is not responsible for the Service or its content. To the maximum extent permitted by law, Apple has no warranty obligation whatsoever with respect to the Service. Any claim relating to the Service's failure to conform to any applicable warranty will be governed by these Terms, and any other claims (including product-liability and consumer-protection claims) are our responsibility, not Apple's. You must comply with the Apple Media Services Terms and Conditions and the Apple App Store Usage Rules. Apple and its subsidiaries are third-party beneficiaries of these Terms and, upon your acceptance, will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.

Google Play users

These Terms are between you and Mars Enterprises only, not Google LLC or its affiliates. You must comply with the Google Play Terms of Service. Google is not responsible for the Service, your device, or for any consumer-protection or refund obligations arising from it.

Other third parties

The Service integrates with or links to third-party services (e.g., payment processors, AI inference providers, exchange-rate providers, analytics, push-notification services, cloud infrastructure). Those third parties have their own terms and privacy policies, which apply to your use of their services. We are not responsible for the acts or omissions of any third party, and a failure or outage of a third party is not a breach of these Terms by us.

12. Beta & preview features

We may offer features labelled "beta", "preview", "experimental", or similar (collectively, "Beta Features"). Beta Features are provided "as is" for evaluation and may be changed, suspended, or discontinued without notice. They may contain bugs, produce unexpected results, or be less reliable than generally available features. Your use of Beta Features is at your sole risk. Sections 16 (Disclaimer) and 17 (Limitation of Liability) apply with full force to Beta Features.

13. Privacy

Our handling of your personal information is governed by our Privacy Page, which forms part of these Terms by reference. Key commitments include: we do not require a bank login, we encrypt your data at rest, we do not sell your data, and we never use your receipts to train AI models that other people use. An optional bank connection is available to Pro+ members in the US and Canada: you sign in through a secure bank-connection provider, we never receive your banking credentials, and if you downgrade or cancel, the connection is automatically disconnected at the end of your current plan period.

When you link with a partner to share bills, the only information that crosses between your accounts is your display name and the total and each person's share of the specific bills you choose to share — never your other budgets, expenses, balances, or any unshared data.

14. Availability & changes to the Service

We aim for high availability, but the Service is offered on a commercially reasonable basis without any uptime guarantee. We may modify, suspend, or discontinue the Service or any part of it (including features, plans, or pricing tiers) at any time, with or without notice. We will provide reasonable advance notice of material changes to paying users where practicable.

We may perform scheduled maintenance with notice and emergency maintenance without notice if needed to protect the Service or our users.

15. Bill reminders & notifications

The Service can show on-screen and push notifications reminding you that a bill you have recorded is due or upcoming, including bills you have tagged as "manual" or "auto-pay". These reminders are generated automatically from the due dates, amounts, and schedules you enter and are provided only as an optional convenience to help you keep track of your own obligations.

Marvin Money is not a bill-payment service, payment processor, money transmitter, or banking service. We do not pay, schedule, initiate, process, transfer, or execute any payment, and we never connect to your bank, card, or biller to move money on your behalf.

An "auto-pay" tag means only that you have arranged automatic payment with your own bank or biller; it does not mean the Service pays the bill. Whether a reminder reaches you depends on factors outside our control — including the accuracy of the information you enter, your device being on and connected, your operating-system and notification-permission settings, and delivery by third-party push and operating-system providers. Reminders may be delayed, duplicated, or not delivered at all, and the Service may be unavailable from time to time as described in Section 14.

You remain solely responsible for paying your bills, in full and on time, regardless of whether a reminder is sent, received, or accurate. To the maximum extent permitted by applicable law, the Mars Parties accept no liability for any late fee, interest, penalty, overdraft, account suspension, service disconnection, credit-score impact, or other loss arising from a missed, late, partial, incorrect, or duplicated payment, or from any failure or delay in delivering a reminder. Sections 16 (Disclaimer of warranties) and 17 (Limitation of liability) apply in full to this Section 15.

Marvin can remind you a bill is due — it never pays it. Even an "auto-pay" bill is paid by your own bank, not by us. Reminders are a convenience and can be late or not arrive at all, so paying every bill on time is always your responsibility, not ours.

16. Disclaimer of warranties

The Service, including all AI Output and Beta Features, is provided "as is" and "as available", with all faults and without warranty of any kind. To the maximum extent permitted by applicable law, the Mars Parties expressly disclaim all warranties, whether express, implied, statutory, or otherwise — including any implied warranties of merchantability, fitness for a particular purpose, satisfactory quality, title, non-infringement, accuracy, completeness, or quiet enjoyment.

Without limiting the foregoing, we do not warrant that: (a) the Service will be uninterrupted, secure, or error-free; (b) AI Output will be accurate, complete, or reliable; (c) defects will be corrected; (d) the Service or its servers are free of viruses or other harmful components; (e) any forecast, projection, or recommendation will produce a particular result; or (f) the Service will meet your requirements.

Some jurisdictions do not allow the exclusion of certain warranties or consumer guarantees. Where this is the case, the exclusions in this Section 16 apply to you only to the extent permitted by your local law, and the country-specific provisions in Section 23 may modify or supplement them.

17. Limitation of liability

To the maximum extent permitted by applicable law, in no event will any Mars Party be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages — including, without limitation, lost profits, lost revenue, lost savings, lost data, business interruption, loss of goodwill, or cost of substitute services — arising out of or in connection with your use of, or inability to use, the Service, whether based on warranty, contract, tort (including negligence), strict liability, product liability, statute, or any other legal theory, and whether or not we have been advised of the possibility of such damages.

To the maximum extent permitted by law, the total cumulative liability of the Mars Parties arising out of or relating to these Terms or the Service — regardless of the form of action — will not exceed the greater of (a) the amount you actually paid us for the Service in the twelve (12) months immediately preceding the event giving rise to the claim, or (b) one hundred U.S. dollars (US$100).

The limitations in this Section 17 form an essential basis of the bargain between you and us, are allocated between the parties as part of pricing, and apply even if a limited remedy fails of its essential purpose. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for fraud, fraudulent misrepresentation, gross negligence, wilful misconduct, or death or personal injury caused by negligence.

We're a small company. If something goes wrong, our liability is capped at what you've paid us in the last 12 months, or US$100 — whichever is greater. We're not on the hook for indirect or consequential losses. The cap covers the company, our investors, directors, employees, contractors, and partners.

18. Indemnification

You agree to defend, indemnify, and hold harmless the Mars Parties from and against any and all claims, liabilities, damages, losses, costs, judgments, fines, and expenses (including reasonable attorneys' fees and costs) arising out of or relating to: (a) your use or misuse of the Service; (b) your User Content; (c) your breach of these Terms or any applicable law; (d) your violation of any right of a third party; (e) any decision you or any third party makes in reliance on AI Output; or (f) any dispute between you and any third party (including any tax authority, bank, or other financial institution).

We reserve the right, at our own expense, to assume the exclusive defence and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate with our defence. You may not settle any claim covered by this Section 18 without our prior written consent.

19. Suspension & termination

By you. You may stop using the Service at any time and may delete your account from Settings → Account. Deletion permanently removes your data within 30 days. Export anything you wish to retain before deletion.

By us. We may suspend, restrict, or terminate your access to all or part of the Service, with or without notice, if: (a) you breach these Terms; (b) we are required to do so by law, regulation, or order of a competent authority; (c) your account is used for unlawful, fraudulent, or harmful activity; (d) your payment method fails repeatedly; or (e) we elect to discontinue the Service in your jurisdiction. Where reasonable and not legally prohibited, we will give you advance notice and a chance to export your data.

Upon termination, your right to use the Service ends immediately. Sections that by their nature should survive termination — including Sections 5, 8, 9, 10, 15, 16, 17, 18, 21, 22, 23, and 24 — will survive.

20. Changes to these Terms

We may update these Terms from time to time. If we make a material change, we will notify you by email (and/or through the Service) at least 30 days before the change takes effect, or such shorter period as may be required by applicable law. Your continued use of the Service after the effective date constitutes your acceptance of the revised Terms. If you do not agree, your only remedy is to stop using the Service and cancel your account.

Non-material changes — clarifications, formatting, typo fixes — take effect upon posting.

21. Governing law

These Terms and any non-contractual obligations arising out of or in connection with them, and any dispute relating to them or to the Service, are governed by and construed in accordance with the laws of India, without regard to its conflict-of-laws rules. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

Nothing in this Section 21 deprives you of any non-waivable consumer protections under the mandatory laws of your country of residence — see Section 23 for country-specific provisions.

22. Dispute resolution & arbitration

22.1 Informal resolution first

Before filing any formal proceeding, you agree to first contact us at legal@marvinmoney.com with a clear description of your claim and the relief you seek. We will attempt to resolve the dispute informally for at least 60 days from the date we receive your notice. If we cannot resolve it informally, you and Mars each agree to the binding-arbitration process below.

22.2 Binding arbitration

Any dispute, claim, or controversy arising out of or relating to these Terms or the Service — including the existence, validity, scope, interpretation, performance, breach, or termination of these Terms, and any non-contractual obligations — that is not resolved informally will be resolved by final and binding arbitration rather than in court, except as set out in Sections 22.5 and 23.

For users outside the United States, the arbitration will be administered under the Arbitration and Conciliation Act, 1996 (India), as amended. The seat and venue of arbitration will be New Delhi, India; the arbitration will be conducted in English; and the tribunal will consist of a sole arbitrator mutually appointed by the parties (or, failing agreement, appointed under the Act).

For users in the United States, the arbitration will be administered by JAMS pursuant to its Streamlined Arbitration Rules and Procedures, before a single neutral arbitrator. The seat of arbitration is San Francisco, California, and the Federal Arbitration Act (9 U.S.C. §§ 1 et seq.) governs the interpretation and enforcement of this clause. The hearing may be conducted by video conference, by telephone, or in writing where the rules allow. You and Mars agree that the arbitrator — and not any federal, state, or local court — has exclusive authority to resolve any dispute relating to the formation, scope, or enforceability of this arbitration agreement (the "delegation clause").

22.3 Class-action and jury-trial waiver

You and Mars each agree that any dispute will be brought solely in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, mass, or representative proceeding. The arbitrator may not consolidate more than one person's claims, may not preside over any form of representative or class proceeding, and may award relief only in favour of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim. To the extent permitted by law, you and Mars each waive any right to a trial by jury.

22.4 Coordinated / "mass arbitration" procedure

If 25 or more substantively similar claims are filed against Mars by or with the coordination of the same law firm or organised group within a 60-day period, you and Mars agree that those claims will be administered as a single batched proceeding, with bellwether arbitrations selected by the parties to determine common issues before any further individual arbitrations proceed. Filing fees and deadlines are tolled during this process. This Section 22.4 does not waive any individual right; it manages how multiple similar claims are handled efficiently.

22.5 Carve-outs from arbitration

Either party may bring an individual action in small-claims court for any dispute that falls within that court's jurisdiction. Either party may also seek injunctive, equitable, or other emergency relief in any court of competent jurisdiction to prevent unauthorised use of, or to protect the confidentiality of, the Service or its intellectual property, without breaching this Section 22.

22.6 Time limit

Any claim arising out of or related to these Terms or the Service must be filed within one (1) year after the cause of action accrues, except where a longer period is required by mandatory law. Otherwise, the claim is permanently barred.

22.7 Confidentiality of arbitration

Except as required by law or to enforce an arbitration award, the existence, content, and result of any arbitration proceeding under this Section 22 are confidential.

22.8 30-day opt-out (U.S. residents only)

If you are a U.S. resident, you may opt out of the arbitration provisions of Sections 22.2 through 22.4 (but not Sections 22.1, 22.5, 22.6, or 22.7) by emailing legal@marvinmoney.com within 30 days of the date you first accept these Terms. Your email must include your full name, the email associated with your account, and a clear statement that you are opting out of arbitration. Opting out will not affect any other provision of these Terms.

22.9 Severability of arbitration provisions

If any portion of this Section 22 is held to be unenforceable, the unenforceable portion will be severed, and the remaining portions will remain in effect — except that, if the class-action or jury-trial waiver in Section 22.3 is held unenforceable, then the entirety of Section 22 will be unenforceable as to the affected dispute, and that dispute will be resolved in the courts identified in Section 23 for the relevant country, applying the governing law in Section 21.

23. Country-specific provisions

The provisions in this Section 23 apply if you reside in or are otherwise subject to the laws of the relevant country or region, and prevail over any conflicting provision of these Terms to the extent of the conflict.

23.1 United States

FAA

Section 22 (Dispute Resolution & Arbitration) is governed by the Federal Arbitration Act, notwithstanding the choice of Indian law in Section 21.

California residents

Under California Civil Code § 1789.3, California users are entitled to the following: the Service is provided by Mars Enterprises Inc. Complaints regarding the Service or requests for further information may be addressed to legal@marvinmoney.com. California residents may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 N. Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210.

Auto-renewal disclosure

For California, New York, Illinois, and other U.S. residents protected by automatic-renewal laws: your subscription will continue and automatically renew at the price disclosed at sign-up (subject to any price-change notice in Section 6) until you cancel through the method described in Section 6. You may cancel at any time. By starting a paid subscription you affirmatively consent to this renewal arrangement.

23.2 European Union, EEA & Switzerland

Mandatory consumer rights

If you are a consumer resident in the EU, the EEA, or Switzerland, the laws of your country of residence may grant you mandatory rights that cannot be waived. Nothing in these Terms restricts those rights.

Right of withdrawal

EU/EEA consumers have a 14-day right to withdraw from a paid subscription contract, beginning on the day the contract is concluded. However, by accepting these Terms and starting to use a paid feature (including any AI feature) before the 14 days expire, you expressly consent to immediate performance and acknowledge that you lose your right of withdrawal in respect of digital content once performance has begun (Article 16(m), Directive 2011/83/EU).

Online dispute resolution

The European Commission provides an online dispute-resolution platform at ec.europa.eu/consumers/odr. We are not obliged to participate in alternative-dispute-resolution proceedings before a consumer arbitration board, and we do not currently do so.

GDPR

Your data-protection rights under the EU General Data Protection Regulation (Regulation (EU) 2016/679) are described in our Privacy Page.

23.3 United Kingdom

If you are a consumer in the United Kingdom, the Consumer Rights Act 2015 gives you statutory rights that cannot be excluded or limited. Nothing in these Terms affects those rights, including your rights in respect of digital content under Chapter 3 of the Act. Your data-protection rights under the UK GDPR and Data Protection Act 2018 are described in our Privacy Page.

23.4 Canada

Quebec residents

If you are a resident of Quebec, you confirm that you have expressly requested that these Terms and all related communications be drawn up in English. Vous confirmez avoir expressément demandé que les présentes conditions ainsi que toute communication connexe soient rédigées en anglais. Nothing in these Terms limits your rights under Quebec's Consumer Protection Act (CQLR c P-40.1) or Act respecting the protection of personal information in the private sector (Law 25).

Other provinces

If you reside in another Canadian province or territory, your rights under applicable provincial consumer-protection legislation (including the Business Practices and Consumer Protection Act (BC) and the Consumer Protection Act, 2002 (Ontario)) are unaffected by these Terms to the extent those rights cannot be waived.

CASL

We will only send you commercial electronic messages where we have a lawful basis under Canada's Anti-Spam Legislation. You can unsubscribe from marketing communications at any time using the link in the message or by emailing privacy@marvinmoney.com.

PIPEDA

Your data-protection rights under the federal Personal Information Protection and Electronic Documents Act (and any substantially similar provincial legislation) are described in our Privacy Page.

23.5 Australia

If you are a consumer in Australia, our Service comes with consumer guarantees under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)) that cannot be excluded. Nothing in these Terms — including Sections 16, 17, and 18 — excludes, restricts, or modifies any consumer guarantee, right, or remedy under the Australian Consumer Law that cannot lawfully be excluded.

To the extent we are permitted to limit our liability for a breach of a non-excludable consumer guarantee, our liability is limited, at our option, to (a) supplying the Service again or (b) paying the cost of having the Service supplied again. Your data-protection rights under the Privacy Act 1988 (Cth) and the Australian Privacy Principles are described in our Privacy Page.

23.6 India

Your rights under the Consumer Protection Act, 2019, the Information Technology Act, 2000, the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, and the Digital Personal Data Protection Act, 2023 are unaffected by these Terms to the extent they cannot be waived. The contact details of our Grievance Officer (and, where applicable, our Data Protection Officer) appear in Section 25 below.

24. General terms

Entire agreement

These Terms, together with the Privacy Page and any plan- or feature-specific terms we present to you, constitute the entire agreement between you and us regarding the Service and supersede all prior or contemporaneous communications and proposals, whether electronic, oral, or written.

Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions remain in full force and effect, and the invalid provision will be modified to the minimum extent necessary to make it enforceable while preserving its intent.

No waiver

Our failure to enforce any provision of these Terms is not a waiver of that provision or any other.

Assignment

You may not assign or transfer these Terms or any rights under them without our prior written consent. We may assign these Terms in connection with a merger, acquisition, reorganisation, sale of all or substantially all of our assets, financing, or by operation of law, on notice to you.

Force majeure

Neither party is liable for any failure or delay in performance caused by events beyond its reasonable control, including acts of God, war, terrorism, civil disturbance, riots, pandemics, government action, internet or utility outages, cyber-attacks, or failures of upstream service providers.

Notices

We may give you notice via email to the address associated with your account, via in-app notification, or by posting on marvinmoney.com. Such notice is effective when sent or posted. Notices to us must be sent to legal@marvinmoney.com and (for legal process) to our registered office in India.

Electronic communications & signature

You consent to receive communications from us electronically (by email, in-app message, or by posting on the Service), and you agree that all agreements, notices, and disclosures we provide electronically satisfy any legal requirement that such communications be in writing.

Export controls & sanctions

You agree to comply with all applicable export-control and sanctions laws of India, the United States, the European Union, the United Kingdom, Canada, Australia, and any other relevant jurisdiction. You represent that you are not on, and will not access the Service from, any restricted-party list described in Section 3.

Independent contractors

These Terms do not create any partnership, joint venture, employment, agency, or franchise relationship between you and us.

Third-party beneficiaries

Except for (a) Apple as expressly set out in Section 11 and (b) the Mars Parties for the purposes of Sections 16, 17, and 18, there are no third-party beneficiaries to these Terms.

Headings; interpretation

Section headings are for convenience only and have no legal effect. "Including" means "including without limitation". The singular includes the plural and vice versa.

25. Grievance officer (India) & key contacts

Pursuant to the Information Technology Act, 2000, the Information Technology (Intermediary Guidelines and Digital Media Ethics Code) Rules, 2021, and the Digital Personal Data Protection Act, 2023, the contact details of our Grievance Officer are:

Grievance Officer
Mars Enterprises Inc.
Email: grievance@marvinmoney.com
Working hours: Monday–Friday, 10:00 to 18:00 IST

We will acknowledge complaints within 24 hours of receipt and endeavour to resolve them within 15 days, in accordance with applicable law. Other key contacts:

Legal & ToS questions: legal@marvinmoney.com
Security incidents: security@marvinmoney.com
Privacy / data subject rights: privacy@marvinmoney.com
Billing: billing@marvinmoney.com

26. Contact

Questions about these Terms? Email legal@marvinmoney.com — a real person reads everything.