Terms of Service

These Terms of Service (“Terms”) are a legal agreement between you and Year of Memories LLC(“Moxxify,” “we,” “us”), 11787 Welters Way, Eden Prairie, MN 55347, United States, governing your use of the Moxxify website and application (the “Service”). By creating an account or using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

1. Who may use Moxxify

You must be at least 18 years old and the parent or legal guardian of the children you add, or otherwise authorized to manage their information and household arrangements. By creating an account you represent that this is true. Children do not create their own accounts; an adult adds a child to a household and controls that child’s profile. An adult may issue an older child their own sign-in credentials, and remains responsible for that child’s use of the Service.

2. What Moxxify is — and is not

Moxxify helps a family run a small internal economy: you build a menu of paid tasks, your child records work and sends you an itemized “invoice,” you approve it, and the Service tracks what is earned, owed, and saved.

Moxxify is not a bank, credit union, money services business, money transmitter, payment processor, escrow agent, broker-dealer, investment adviser, or employer or payroll provider. Moxxify does not hold, transmit, invest, or move funds. When you choose to pay your child, you do so entirely outside the Service using your own third-party payment app (such as Venmo, Cash App, or PayPal); Moxxify only records that a payment occurred and can pre-fill a payment link for your convenience. “Matched savings,” “deposits,” “goals,” and similar features are bookkeeping entries, not actual accounts or financial products, and Moxxify does not custody any money represented by them.

Moxxify does not provide financial, tax, legal, or parenting advice. Any amounts, rates, or “matches” are chosen by you.

3. Your household arrangements

The agreements you set up with your child through Moxxify — which tasks are paid, at what rate, how often, and any savings match — are private family arrangements between you and your child. They are not employment, and Moxxify is not a party to them and does not make them legally enforceable obligations. You are responsible for ensuring your use of the Service, and any work your child performs, complies with applicable law, including child-labor and wage laws where they apply, and with your own household rules.

4. Accounts and security

You are responsible for maintaining the confidentiality of your login credentials and any device PIN, and for all activity under your account. Notify us promptly at support@moxxify.com if you believe your account has been accessed without authorization. You are responsible for the actions of everyone you invite into your household and for the access level you grant them.

5. Acceptable use

You agree not to:

• ×use the Service for any unlawful purpose, or to arrange work that violates child-labor or other laws;
• ×access the Service other than through the interfaces we provide, or scrape, crawl, or bulk-export data;
• ×probe, scan, or test the vulnerability of the Service, or breach or circumvent its security or access controls;
• ×upload content that is unlawful, infringing, harmful to a child, or that you do not have the right to share;
• ×impersonate another person or misrepresent your relationship to a child;
• ×interfere with or disrupt the Service or the servers and networks that run it;
• ×resell, sublicense, or commercially exploit the Service without our written permission.

We may suspend or terminate accounts that violate these Terms or that create risk or legal exposure for us or other users.

6. Subscriptions, billing, and refunds

• ×Free plan. A free tier is available and requires no payment method.
• ×Paid plans. Paid plans are billed in advance on a monthly or annual basis through our payment processor, Stripe, and renew automatically at the then-current price until you cancel.
• ×Trials. New households get full Family features for a trial period. We do not ask for a payment method to start one, and we do not charge you when it ends — if you do nothing, your household simply moves to the Free plan. Billing begins only if you choose to subscribe.
• ×Cancellation. You may cancel at any time; cancellation takes effect at the end of the current billing period, and you keep paid features until then. Your data is retained as described in the Privacy Policy.
• ×Refunds. Payments are generally non-refundable except where required by law. We may, at our discretion, offer a prorated refund for an annual plan cancelled shortly after renewal.
• ×Price changes. We may change prices or plan features. We will give you advance notice, and changes take effect at your next renewal.
• ×Taxes. Prices exclude applicable taxes, which we may collect where required.

7. Your content

You retain ownership of the content you and your household add to the Service (task names, notes, photos, labels, and similar). You grant us a worldwide, non-exclusive, royalty-free license to host, store, reproduce, and display that content solely to operate, secure, and support the Service for you. You are responsible for your content and represent that you have the rights to it and that it does not violate these Terms or the law. We may remove content that violates these Terms. Photos submitted as proof of work are deleted on the schedule described in the Privacy Policy.

8. Our intellectual property

The Service, including its software, design, and the “Moxxify” name and logo, is owned by us and our licensors and is protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your family’s personal use in accordance with these Terms. We welcome feedback, and you agree we may use it without obligation to you.

9. Third-party services

The Service relies on and links to third parties — for example Stripe for billing and Venmo, Cash App, and PayPal for payments you make. Your use of those services is governed by their own terms and privacy policies, and we are not responsible for them.

10. Availability and changes

We may modify, suspend, or discontinue any part of the Service at any time. We aim to give notice of material changes that adversely affect paying users. We are not liable for any modification, suspension, or discontinuation of the Service, except as stated in Section 12.

11. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT ANY RECORD IT KEEPS IS ACCURATE OR COMPLETE. YOU ARE RESPONSIBLE FOR VERIFYING AMOUNTS BEFORE YOU PAY THEM. Some jurisdictions do not allow certain disclaimers, so some of the above may not apply to you.

12. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, MOXXIFY AND ITS OFFICERS, MEMBERS, AND EMPLOYEES WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF DATA, GOODWILL, OR PROFITS, ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) US $100. These limits apply even if a remedy fails of its essential purpose.

13. Indemnification

You agree to indemnify and hold harmless Moxxify from any claims, damages, liabilities, and expenses (including reasonable legal fees) arising out of your content, your use of the Service, your household arrangements, or your violation of these Terms or the law.

14. Governing law and disputes

These Terms are governed by the laws of the State of Minnesota, without regard to its conflict-of-laws rules. Before filing a claim, you agree to first contact us at support@moxxify.com and try in good faith to resolve the dispute informally for at least 30 days. Any dispute that is not resolved will be brought exclusively in the state or federal courts located in Hennepin County, Minnesota, and you consent to their jurisdiction — except that either party may bring an individual claim in small-claims court. You and Moxxify agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any class or representative proceeding.

15. Termination

You may stop using the Service and delete your account at any time. We may suspend or terminate your access if you violate these Terms, if required by law, or if providing the Service to you creates undue risk. Sections that by their nature should survive termination — including Sections 2, 7 (license grant), 8, 11, 12, 13, and 14 — will survive.

16. Changes to these Terms

We may update these Terms from time to time. We will post the updated version here and change the date above, and for material changes we will provide additional notice. Continuing to use the Service after changes take effect means you accept the updated Terms.

17. Miscellaneous

These Terms and the Privacy Policy are the entire agreement between you and us regarding the Service. If any provision is held unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms; we may assign them to an affiliate or in connection with a merger, acquisition, or sale of assets. There are no third-party beneficiaries.

18. Contact

Year of Memories LLC — Moxxify
11787 Welters Way, Eden Prairie, MN 55347, United States
support@moxxify.com