Terms and Conditions – MustardSeed | Secure & Transparent Usage

MustardSeed – Terms and Conditions

Effective Date: October 11, 2025 (Last Updated: October 14, 2025)

Welcome to MustardSeed! By accessing or using our application, you agree to these terms. Please read them carefully before proceeding.

1. Acceptance of Terms

By using MustardSeed, you acknowledge that you’ve read, understood, and agreed to be bound by these Terms of Service. If you do not agree, please discontinue use of the app.

2. Overview of the Service

MustardSeed is a habit-forming savings and financial planning application. Our features include:

AI-generated savings plans
Goal and pocket plan tracking
Community check-ins and accountability groups
Gamified XP and level-up system
In-app messaging and notifications

You agree to use these features solely for personal, non-commercial purposes.

3. Accounts & Subscriptions

Some features are only available to paid users. These include:

Unlimited plan generation
AI chat access
Community group creation
Unlimited pocket plans

Subscription purchases are processed via Apple or Google. By subscribing, you agree to their respective billing terms and any auto-renewal settings. Refunds are managed by the platform (Apple or Google) and not directly by MustardSeed.

4. Privacy & Data

Your privacy matters to us. We collect and store some personal and usage data to enhance your experience. Please review our Privacy Policy to understand how your data is used, stored, and protected.

5. Responsible Use

You agree not to misuse the app, including but not limited to:

Using bots or scraping tools
Harming or disrupting other users’ experiences
Submitting harmful, offensive, or misleading content in community areas

We reserve the right to suspend or terminate access to any user violating these guidelines.

6. AI Content Disclaimer

Our AI-generated advice is intended for educational and informational purposes only. It is not professional financial advice. You are solely responsible for your financial decisions.

7. Modifications to the App or Terms

We may modify features, pricing, or terms at any time. If significant changes are made, we will notify you in-app or via email. Continued use of MustardSeed after such changes means you accept the updated terms.

8. Termination

You may stop using MustardSeed at any time. We may suspend or terminate your account if you violate these terms or if the service is discontinued.

9. Contact Us

For questions, concerns, or feedback, please contact our support team at support@trymustardseed.com.