Terms and Conditions

1. Acceptance

1.1 Binding agreement. These Terms and Conditions (the "Terms") constitute a binding legal agreement between you and Veldt LLC, a Nebraska limited liability company ("Veldt," "we," "us," or "our"), governing your access to and use of the Service.

1.2 Acceptance. By downloading, installing, accessing, or using the App, by visiting or using the Site, or by indicating acceptance through any in-App or Site control, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, you may not access or use the Service.

1.3 Distinct relationship with Apple. These Terms are between you and Veldt only, and not with Apple. Veldt, not Apple, is solely responsible for the App and its content. Section 19 sets forth additional provisions applicable to the App and Apple.

2. Definitions

Capitalized terms used in these Terms have the meanings set forth below.

• "App" means the Marble Budget mobile application, distributed by Veldt through the Apple App Store, together with any updates, upgrades, and accompanying documentation.
• "Apple" means Apple, Inc. and its affiliates.
• "Dispute" has the meaning set forth in Section 17.3.
• "iCloud" means Apple's cloud storage and synchronization service, including the underlying programming interfaces used by the App.
• "Premium" means a paid, subscription-based tier of the App offering additional features.
• "Privacy Policy" means the privacy policy published at marblebudget.com/privacy/, as amended from time to time.
• "Service" means, collectively, the App, the Site, and any related services that Veldt provides.
• "Site" means the website located at marblebudget.com and any subdomains and successor domains.

3. Age and Eligibility

3.1 Minimum age. You must be at least eighteen (18) years of age, or the age of legal majority in your jurisdiction (whichever is higher), to use the Service. If you are under that age or otherwise lack the legal capacity to enter into this agreement, you may not use the Service.

3.2 Children. The Service is not directed to children under 13. We do not knowingly collect personal information from children under 13. Financial data entered in the App is stored on the user's device and, when iCloud synchronization is enabled, in the user's personal iCloud account. Veldt does not operate an account system that allows us to access, retrieve, or delete App financial data on a user's behalf. This does not apply to information a user separately provides to Veldt, such as support communications, emails, or website form submissions.

4. Description of the Service

4.1 Nature of the Service. The App is a personal finance and budgeting application. The Site is informational. The Service does not (i) provide access to financial accounts maintained by third parties; (ii) initiate, settle, or process financial transactions; (iii) hold, transmit, or manage funds; or (iv) provide investment, accounting, tax, legal, or other professional services.

4.2 Not a regulated entity. Veldt is not acting as, and is not licensed as, a bank, credit union, savings association, money-services business, investment adviser, broker-dealer, registered representative, futures commission merchant, securities issuer, lender, creditor, debt collector, credit-repair organization, credit-counseling agency, consumer-reporting agency, furnisher of information to consumer-reporting agencies, tax preparer, or insurance provider, as those terms may be defined under any applicable federal, state, or local law.

4.3 No "consumer report"; no FCRA use. The Service, and any information, calculation, summary, projection, insight, score, category, or AI-generated output it produces, is not a "consumer report" within the meaning of the federal Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq. (the "FCRA"), or any analogous state law. You may not use the Service or any output of the Service, in whole or in part, to determine an individual's eligibility for credit, insurance, employment, housing, government benefits, licensing, tenancy, account opening, financial products, or any other purpose for which a consumer report may be used under the FCRA or any analogous law. You agree not to take any adverse action against any person, or make any underwriting, eligibility, employment, tenant-screening, lending, or insurance decision about any person, on the basis of any Service output.

4.4 Modifications. We may at any time, with or without notice, modify, suspend, or discontinue any feature of the Service, including discontinuing the Service in its entirety, without liability.

4.5 External services and external data. The Service may enable access to, rely on, or display data from Apple services, iCloud, the Apple App Store, Apple Intelligence, telecommunications providers, websites, and other third-party services, systems, content, or resources (collectively, "External Services"). You use External Services at your own risk. Veldt is not responsible for examining or evaluating the content, availability, security, accuracy, legality, or reliability of External Services and is not liable for any External Services. Data displayed by the Service or any External Service, including financial, subscription, tax, or other information, is provided for general informational purposes only and is not guaranteed. External Services may not be available in all languages, countries, or locations and may not be appropriate for any particular use. To the extent you choose to use External Services, you are solely responsible for complying with applicable laws and third-party terms. We may change, suspend, remove, disable, or impose restrictions on any External Services integration at any time without notice or liability.

5. Your Data and Your Responsibilities

5.1 Accuracy; rights in data. You are responsible for the accuracy, completeness, legality, and appropriateness of all data you enter into the Service. You represent and warrant that you have all rights and permissions necessary to enter, store, edit, import, export, share, or otherwise use any data you place into the Service.

5.2 Storage location. Your financial data is stored locally on your device and, when iCloud synchronization is enabled, in your personal iCloud account. iCloud synchronization is enabled by default when iCloud is available for your Apple ID and device. You may disable iCloud synchronization at any time in the App's Settings. Disabling iCloud synchronization removes App data from iCloud while preserving local data on the device on which you make the change. Veldt does not access your App financial data except to the extent you voluntarily provide it to us, for example in a support communication.

5.3 Device and account security. You are responsible for maintaining the security of your device, your operating-system credentials, your Apple ID, and any biometric or passcode authentication you choose to enable.

5.4 Shared budgets. The App's budget-sharing feature permits other Apple ID users you invite to access, and depending on the access level you grant, modify shared budget data. You may select invitees and manage access using the controls provided by the App, iCloud, and your device.

5.5 Receipt scanning. Receipt scanning is a Premium feature and is provided for convenience only. Receipt-scanning results may be incomplete, inaccurate, or unsuitable for your particular use. You are solely responsible for reviewing, correcting, and approving any suggested transaction information before saving it. Veldt does not guarantee the accuracy of receipt scanning or any transaction created from receipt-scanning suggestions.

6. Subscriptions, Payments, and Free Trials

6.1 App Store administration. Premium subscriptions are offered exclusively through the Apple App Store as auto-renewing subscriptions. All payments, renewals, cancellations, refunds, billing disputes, family-sharing treatment, subscription management, and changes to subscription status are administered exclusively by Apple under your Apple ID and Apple's then-current terms. Veldt does not directly collect or process your payment-card information, and we cannot directly cancel, refund, reverse, or modify a charge made by Apple. You must direct all billing disputes and refund requests to Apple.

6.2 Auto-renewal. Subscriptions renew automatically unless cancelled through Apple at least 24 hours before the end of the current period, or within any other time frame required by Apple. Cancellation halts future renewals but does not entitle you to a refund of the current period, except as required by Apple or applicable law.

6.3 Price changes; refunds. Prices, subscription terms, feature availability, eligibility for offers, introductory pricing, promotional offers, and offer codes are subject to change. Notice of price changes will be provided in accordance with Apple's policies and applicable law. Subscription fees are non-refundable except as required by Apple's policies or applicable law.

6.4 Free trials. Free trials, where offered, automatically convert to paid subscriptions at the end of the trial period unless cancelled at least 24 hours before the trial ends. We are not responsible for charges resulting from your failure to cancel a free trial or subscription in time.

6.5 Loss of Premium features. If your subscription expires, is cancelled, fails to renew, is refunded, or is otherwise no longer active, Premium features may become unavailable immediately or at the end of the then-current subscription period.

7. Not Financial Advice

THE SERVICE IS A PERSONAL BUDGETING TOOL ONLY. THE SERVICE IS NOT A SUBSTITUTE FOR PROFESSIONAL ACCOUNTING SOFTWARE, TAX PREPARATION SERVICES, OR FINANCIAL ADVISORY SERVICES, AND MUST NOT BE USED AS A SOLE SYSTEM OF RECORD FOR TAX, LEGAL, OR REGULATORY PURPOSES.

Nothing in the Service constitutes financial, investment, tax, accounting, or legal advice. This includes, without limitation, AI-generated responses, calculator outputs, budget summaries, spending analyses, and any other content presented by the Service. You acknowledge that you are solely responsible for all financial decisions you make, and that you have not relied on any representation or statement made by Veldt in deciding to use the Service or in making any financial decision. YOUR USE OF THE SERVICE IS AT YOUR OWN RISK.

8. AI Features

The Service includes AI features that operate on-device using Apple's on-device foundation-model capability. AI outputs may be inaccurate, incomplete, misleading, biased, or otherwise unreliable, and may not be appropriate for any particular purpose. AI outputs are subject to the disclaimers in Section 7.

WE MAKE NO REPRESENTATIONS OR WARRANTIES OF ANY KIND CONCERNING AI OUTPUTS, INCLUDING THEIR ACCURACY, RELIABILITY, COMPLETENESS, TIMELINESS, OR FITNESS FOR ANY PARTICULAR PURPOSE. YOU ASSUME ALL RISK ARISING FROM ANY USE OF OR RELIANCE ON AI OUTPUTS. WE ARE NOT LIABLE FOR ANY LOSS, DAMAGE, OR HARM ARISING FROM YOUR USE OF OR RELIANCE ON AI FEATURES, REGARDLESS OF THE THEORY OF LIABILITY.

9. Data Accuracy and Loss

WE DO NOT GUARANTEE THE ACCURACY, RELIABILITY, OR COMPLETENESS OF ANY DATA DISPLAYED, CALCULATED, OR STORED BY THE SERVICE. YOU ARE SOLELY RESPONSIBLE FOR MAINTAINING BACKUPS OF YOUR DATA. WE ASSUME NO RESPONSIBILITY FOR LOSS, CORRUPTION, OR INACCURACY OF DATA, HOWSOEVER CAUSED, INCLUDING LOSS RESULTING FROM SOFTWARE UPDATES, DEVICE FAILURES, ICLOUD SYNCHRONIZATION ISSUES, OR DISCONTINUATION OF THE SERVICE.

10. Acceptable Use

You agree not to:

• (a) use the Service for any unlawful purpose or in violation of any applicable law or regulation;
• (b) use the Service, any Service data, or any Service output for any FCRA, consumer-reporting, credit, insurance, employment, tenant-screening, lending, eligibility, adverse-action, or analogous regulated purpose;
• (c) reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code, underlying ideas, algorithms, or structure of the Service, except as expressly permitted by applicable law notwithstanding this prohibition;
• (d) circumvent any security feature, access control, license check, or technical limitation of the Service;
• (e) use the Service to store or transmit malicious code;
• (f) interfere with or disrupt the Service or its underlying infrastructure;
• (g) use the Service to develop any competing product or service;
• (h) use any automated means, including bots, scrapers, or crawlers, to access, copy, index, or harvest any portion of the Service;
• (i) violate any export-control, sanctions, privacy, consumer-protection, intellectual-property, or other applicable law;
• (j) enter, import, share, export, or otherwise use data that you do not have the right to use;
• (k) misuse the AI assistant, including by attempting to extract system instructions, manipulate model behavior, or use the assistant for any purpose other than personal budgeting;
• (l) use any output of the Service to train, fine-tune, benchmark, distill, or otherwise improve any artificial-intelligence or machine-learning model; or
• (m) conduct model extraction, output-based reverse engineering, or any adversarial probing of the Service.

A violation of any of the foregoing entitles us to terminate your right to use the Service immediately, without notice and without liability.

11. Intellectual Property

11.1 Ownership. The Service and its content — including software, code, text, graphics, audio, video, design, trademarks, and trade dress — are owned by Veldt or its licensors and are protected by copyright, trademark, patent, trade-secret, and other intellectual-property laws.

11.2 License to use the App. The App is licensed, not sold, to you. Subject to your compliance with these Terms, Veldt grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to download, install, and use the App solely for your personal, non-commercial purposes, on Apple-branded devices that you own or control, and only as permitted by Apple's then-current App Store Terms of Service. This license also applies to updates or upgrades that replace or supplement the App, unless accompanied by separate terms. No right, title, or interest in or to the Service is transferred to you, and all rights not expressly granted are reserved.

11.3 License restrictions. To the extent permitted by applicable law, and except as permitted by these Terms, Apple's then-current App Store Terms of Service, or any applicable open-source license terms, you may not copy, redistribute, sublicense, rent, lease, lend, sell, reverse engineer, decompile, disassemble, attempt to derive the source code of, modify, or create derivative works of the App, any update, or any part thereof. You also may not circumvent, disable, or interfere with any license check, security feature, access control, or technical limitation of the Service. If you sell, give away, or otherwise transfer an Apple-branded device to another person, you must remove the App from that device before doing so.

11.4 License to use the Site. Subject to your compliance with these Terms, you may access and view the Site for your personal, non-commercial use. Except for ordinary browser caching and personal printing, you may not copy, reproduce, frame, modify, distribute, or create derivative works from any portion of the Site without our prior written consent.

11.5 Feedback. If you provide ideas, suggestions, feedback, bug reports, or feature requests to Veldt, you grant Veldt a worldwide, perpetual, irrevocable, royalty-free, fully paid, transferable, and sublicensable license to use those materials for any lawful business purpose, including improving, supporting, marketing, and developing the Service. Veldt has no obligation to compensate you, credit you, or maintain the confidentiality of feedback, unless separately agreed in writing.

11.6 Support materials. If you provide screenshots, exported files, diagnostic materials, financial information, or other sensitive materials to Veldt in connection with a support request or other communication, Veldt may use those materials to respond to your request, diagnose issues, improve and secure the Service, comply with law, and protect legal rights. Veldt will not use financial information contained in support materials for marketing purposes without your consent.

12. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTY OF ANY KIND, EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, VELDT DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE FROM HARMFUL COMPONENTS, OR THAT ANY DATA, CALCULATION, OR OUTPUT PROVIDED BY THE SERVICE WILL BE ACCURATE OR RELIABLE. NO INFORMATION OR ADVICE, WHETHER ORAL OR WRITTEN, OBTAINED FROM VELDT OR THROUGH THE SERVICE, CREATES ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS. YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK.

Nothing in these Terms excludes, restricts, or modifies any warranty, guarantee, statutory right, remedy, or liability that cannot be excluded, restricted, or modified under applicable law, including applicable consumer-protection laws. In jurisdictions that do not allow the exclusion of implied warranties or limitations on statutory consumer rights, the foregoing disclaimers apply only to the fullest extent permitted by applicable law.

Veldt, not Apple, is solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed in these Terms. In the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for the App, if any. To the maximum extent permitted by applicable law, Apple has no other warranty obligation with respect to the App, and any claims, losses, liabilities, damages, costs, or expenses attributable to any failure to conform to any warranty are Veldt's sole responsibility.

13. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, VELDT WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUES, DATA, GOODWILL, USE, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS, REGARDLESS OF THE THEORY OF LIABILITY (WHETHER IN CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE) AND EVEN IF VELDT HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, VELDT'S TOTAL CUMULATIVE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (I) THE AMOUNTS YOU ACTUALLY PAID FOR THE APP OR A PREMIUM SUBSCRIPTION THROUGH APPLE IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (II) ONE HUNDRED UNITED STATES DOLLARS (US$100). IF APPLICABLE LAW DOES NOT PERMIT LIABILITY TO BE LIMITED TO THAT AMOUNT, VELDT'S LIABILITY IS LIMITED TO THE LOWEST AMOUNT PERMITTED BY APPLICABLE LAW.

Nothing in these Terms excludes or limits liability to the extent such exclusion or limitation is prohibited by applicable law, including liability for personal injury, willful misconduct, fraud, gross negligence, or non-waivable statutory consumer rights where such liability cannot be limited. In jurisdictions that do not allow the limitation of liability for incidental, consequential, or other damages, the foregoing limitations apply only to the fullest extent permitted by applicable law.

THE FOREGOING LIMITATIONS APPLY EVEN IF ANY REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

14. Indemnification

You agree to indemnify, defend, and hold harmless Veldt and its officers, directors, members, employees, agents, successors, and assigns from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or relating to: (i) your access to or use of the Service; (ii) your violation of these Terms; (iii) your violation of any applicable law, regulation, or third-party right; (iv) any data or content you enter into or submit through the Service; or (v) any financial decision you make or fail to make based on the Service.

15. Force Majeure; Platform Dependencies

Veldt is not liable for any failure or delay in performance caused by circumstances beyond its reasonable control, including acts of God, natural disasters, pandemics or epidemics, governmental actions or regulations, changes to or discontinuation of Apple platform services (including the Apple App Store, iCloud, in-app purchase, and on-device foundation-model capabilities), interruptions to Apple infrastructure, changes to Apple's terms of service or App Store review guidelines, third-party service failures, power outages, and telecommunications failures. If Apple discontinues, materially modifies, or restricts a platform service or capability on which the Service depends, we may modify, limit, or discontinue affected features without liability and without obligation to provide a replacement or refund.

16. Termination

16.1 By Veldt. We may suspend or terminate your access to the Service at any time, for any or no reason, with or without notice, and without liability.

16.2 By you. You may stop using the Service and uninstall the App at any time. Subscriptions may be cancelled through Apple as described in Section 6.

16.3 Effect of termination. Upon termination, your license to use the Service immediately ceases. Sections 4, 7, 8, 9, 10, 11, 12, 13, 14, 17, 19, 20, and 23, and any other provision that by its nature should survive, survive any termination or expiration of these Terms.

17. Dispute Resolution; Arbitration; Governing Law

PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES YOU AND VELDT TO RESOLVE MOST DISPUTES THROUGH BINDING INDIVIDUAL ARBITRATION, WAIVES YOUR RIGHT TO PARTICIPATE IN A CLASS ACTION, AND WAIVES YOUR RIGHT TO A JURY TRIAL. YOU MAY OPT OUT OF ARBITRATION AS DESCRIBED IN SECTION 17.8.

17.1 Governing law. These Terms are governed by the laws of the State of Nebraska, without regard to its conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply. The Federal Arbitration Act, 9 U.S.C. § 1 et seq., governs the interpretation and enforcement of this Section 17.

17.2 Informal resolution. Before initiating arbitration or any other proceeding, you agree to first contact Veldt at legal@veldtllc.com with a written description of your claim and your proposed resolution, and to attempt in good faith to resolve the matter informally for at least sixty (60) days from the date of your notice.

17.3 Binding arbitration. Except as provided in Sections 17.6 and 17.8, any dispute, claim, or controversy arising out of or relating to these Terms, the Service, or the relationship between you and Veldt (a "Dispute") shall be resolved exclusively by binding individual arbitration administered by the American Arbitration Association (the "AAA") under its Consumer Arbitration Rules then in effect, as modified by these Terms. The arbitration shall be conducted by a single arbitrator. The arbitration shall take place by telephone, by video conference, or by written submissions unless an in-person hearing is required by the arbitrator or applicable rules. Any in-person hearing shall take place in Lincoln, Nebraska, unless the AAA or arbitrator determines that another locale is required under the AAA Consumer Arbitration Rules, the AAA Consumer Due Process Protocol, or applicable law. Judgment on the arbitration award may be entered in any court of competent jurisdiction. The arbitrator, and not any federal, state, or local court, shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, or formation of this arbitration agreement, including any claim that all or any part of this arbitration agreement is void or voidable.

17.4 Class-action waiver. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, YOU AND VELDT EACH AGREE THAT ANY DISPUTE WILL BE BROUGHT ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, MASS, OR REPRESENTATIVE ACTION. THE ARBITRATOR MAY NOT CONSOLIDATE OR JOIN MORE THAN ONE PERSON'S CLAIMS, MAY NOT PRESIDE OVER ANY FORM OF CLASS, COLLECTIVE, MASS, OR REPRESENTATIVE PROCEEDING, AND MAY AWARD RELIEF ONLY IN FAVOR OF THE INDIVIDUAL PARTY SEEKING RELIEF AND ONLY TO THE EXTENT NECESSARY TO PROVIDE RELIEF NECESSITATED BY THAT PARTY'S INDIVIDUAL CLAIM.

17.5 Jury-trial waiver. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IF FOR ANY REASON A DISPUTE PROCEEDS IN COURT RATHER THAN IN ARBITRATION, YOU AND VELDT EACH WAIVE ANY RIGHT TO A JURY TRIAL.

17.6 Carve-outs. Notwithstanding Section 17.3:

• (a) Either party may bring an individual action in small-claims court for any Dispute within that court's jurisdiction.
• (b) Either party may seek temporary, preliminary, or permanent injunctive or other equitable relief in court to protect intellectual-property rights, confidential information, security, privacy, or other rights that may be harmed without immediate relief.
• (c) This Section 17 does not apply to the extent prohibited by applicable consumer-protection law in your jurisdiction.

17.7 Court venue for non-arbitrable Disputes. Any Dispute or portion of a Dispute that is not subject to arbitration under this Section 17 must be brought exclusively in the state or federal courts located in Nebraska, and you consent to the personal jurisdiction and venue of those courts.

17.8 Right to opt out of arbitration. You may opt out of the requirement to arbitrate by sending written notice to Veldt within thirty (30) days after you first accept these Terms. Email notices must be sent to legal@veldtllc.com with the subject line "Arbitration Opt-Out." Mailed notices must be sent to:

Attn: Veldt LLC, Marble Budget
200 S 21st St Ste 400A
Lincoln, NE 68510

Your notice must include your name and the email address associated with your Apple ID, and must state clearly that you wish to opt out of arbitration. A valid arbitration opt-out applies only to the requirement to arbitrate and does not affect any other provision of these Terms. If you validly opt out, any Dispute that is not required to be arbitrated must be brought exclusively in the state courts located in Lancaster County, Nebraska, or, if federal jurisdiction exists, in the United States District Court for the District of Nebraska, with Lincoln, Nebraska requested as the place of trial where permitted. You and Veldt consent to personal jurisdiction and venue in those courts and waive, to the fullest extent permitted by law, any objection that those courts are an improper venue or an inconvenient forum.

17.9 Limitations period. Any Dispute arising out of or relating to these Terms or the Service must be commenced within one (1) year after the cause of action accrues, or such longer period as is required by applicable law, after which the Dispute is permanently barred.

17.10 Severability of this Section. If any provision of this Section 17 is held invalid or unenforceable, that provision shall be severed and the remainder of this Section 17 shall continue to apply, except that: (i) if the class-action prohibition in Section 17.4 is held invalid or unenforceable as to any Dispute, that Dispute (and only that Dispute, or the unenforceable portion thereof) shall be severed from arbitration and proceed in a court of competent jurisdiction under Section 17.7; and (ii) the limitations period in Section 17.9 shall survive regardless of the validity of any other portion of this Section 17.

18. Maintenance and Support

Veldt is solely responsible for providing any maintenance or support services with respect to the App, as set forth in these Terms or as required by applicable law. You and Veldt acknowledge that Apple has no obligation to furnish any maintenance or support services with respect to the App. Veldt does not guarantee any particular level of support, response time, or availability, and may modify or discontinue support at any time without notice or liability.

19. Apple-Specific Provisions (App Only)

This Section 19 applies only to your use of the App and the relationship between Veldt and Apple in connection with the App. It does not apply to the Site.

• (a) These Terms are between you and Veldt only, and not with Apple. Veldt, not Apple, is solely responsible for the App and its content.
• (b) Apple has no obligation to furnish any maintenance or support services with respect to the App.
• (c) In the event of any failure of the App to conform to any applicable warranty, Apple's sole obligation is to refund the purchase price for the App, if any. Apple has no other warranty obligation with respect to the App.
• (d) Apple is not responsible for addressing any claim by you or any third party relating to the App or your possession or use of the App, including product-liability claims, regulatory-compliance claims, and consumer-protection claims.
• (e) In the event of any third-party claim that the App, or your possession and use of the App, infringes that third party's intellectual-property rights, Veldt — and not Apple — is solely responsible for the investigation, defense, settlement, and discharge of the claim.
• (f) You represent and warrant that you are not located in a country subject to a United States government embargo or designated by the United States government as a "terrorist supporting" country, and that you are not listed on any United States government list of prohibited or restricted parties.
• (g) Apple and its subsidiaries are third-party beneficiaries of these Terms with respect to the App. Upon your acceptance of these Terms, Apple has the right (and is deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary in respect of the App.

20. Privacy

Your use of the Service is also governed by our Privacy Policy, which is incorporated into these Terms by reference. To the extent any state or federal privacy law grants you specific rights regarding your personal information, those rights may be exercised within the App and through your Apple ID and iCloud settings, or by contacting us as set forth in Section 25.

21. Site Use

The Site is provided for informational purposes only. You may access and view the Site for your personal, non-commercial use, subject to these Terms. The Site may present forms or other mechanisms through which you may voluntarily submit information, such as your email address and communication preferences. Any information you voluntarily provide through the Site is collected, stored, and used in accordance with our Privacy Policy. You are under no obligation to submit any information, and the Site does not require an account or process payments. We may modify or discontinue the Site at any time without notice or liability. Descriptions of App features on the Site are informational only and do not create any contractual obligation beyond what these Terms expressly provide.

22. Changes to These Terms

We may modify these Terms from time to time by posting the revised version at marblebudget.com/terms/ or within the App. For material changes, where required by applicable law or otherwise appropriate, we may present the revised Terms in-App and request your acknowledgment before continued use. Non-material changes are effective when posted, unless a later Effective Date is stated. YOUR CONTINUED USE OF THE SERVICE AFTER REVISED TERMS BECOME EFFECTIVE CONSTITUTES YOUR ACCEPTANCE OF THE REVISED TERMS. If you do not agree to the revised Terms, your sole remedy is to stop using the Service. Material changes to Section 17 are subject to the opt-out right in Section 17.8 measured from the effective date of the change.

23. General Provisions

23.1 Severability. If any provision of these Terms is held invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions remain in full force and effect, and the invalid provision will be modified to the minimum extent necessary to render it enforceable.

23.2 Waiver. No failure or delay by Veldt in exercising any right under these Terms operates as a waiver. Any waiver must be in writing and signed by Veldt to be effective.

23.3 Entire agreement. These Terms, together with the Privacy Policy and any in-App notices or supplemental terms, constitute the entire agreement between you and Veldt with respect to the Service and supersede all prior or contemporaneous understandings, agreements, representations, and warranties.

23.4 Assignment. You may not assign or transfer these Terms, in whole or in part, without our prior written consent. Veldt may assign or transfer these Terms in whole or in part without your consent, including in connection with a merger, acquisition, or sale of assets.

23.5 Headings. Section headings are for convenience only and do not affect the interpretation of these Terms.

23.6 Third-party terms. You must comply with all applicable third-party terms when using the Service, including Apple's App Store Terms of Service, iCloud terms, Apple ID terms, device terms, and any applicable wireless-carrier terms.

23.7 Export and sanctions. You represent and warrant that you are not in violation of any export-control or sanctions law, and you agree to comply with all such laws in connection with your use of the Service.

23.8 U.S. Government end users. The App and related documentation are "Commercial Items," as that term is defined at 48 C.F.R. § 2.101, consisting of "Commercial Computer Software" and "Commercial Computer Software Documentation," as those terms are used in 48 C.F.R. § 12.212 and 48 C.F.R. § 227.7202, as applicable. If the App or related documentation is acquired by or on behalf of the U.S. Government, it is licensed only as Commercial Items and only with those rights granted to all other end users under these Terms. Unpublished rights are reserved under the copyright laws of the United States.

23.9 No third-party beneficiaries. Except as expressly provided in Section 19 with respect to Apple, these Terms do not confer any rights or remedies on any person or entity other than the parties.

23.10 Notices. General notices and ordinary communications to Veldt may be sent to legal@veldtllc.com. Formal legal notices to Veldt must be sent by mail to:

Attn: Veldt LLC, Marble Budget
200 S 21st St Ste 400A
Lincoln, NE 68510

Notices to you may be provided in-App, by email to any address you have provided, or by posting to the Site.

24. California Users

This Section 24 applies to users who reside in California. Pursuant to California Civil Code Section 1789.3, you may report complaints to the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by contacting them in writing at 1625 N. Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210. The price of Premium subscriptions is determined and disclosed by Apple in the App Store at the time of purchase.

25. Contact

Veldt LLC
Email: legal@veldtllc.com

Formal legal notices:
Attn: Veldt LLC, Marble Budget
200 S 21st St Ste 400A
Lincoln, NE 68510