Terms of Service

These terms govern your use of Amply Match. By creating an account, you agree to them.

Amply Match, Inc. ("Amply Match," "we," "us") operates a record-keeping service that helps families track savings goals and the matching contributions family members make toward them.

1. What Amply Match is

Amply Match keeps a record. You tell us your savings goal. A family member tells us how they intend to match your savings. We track deposits into a savings account you connect, calculate what the match comes to, and show both of you the result.

That is the whole of the service.

2. What Amply Match is not

We are not a bank, a broker-dealer, an investment adviser, a money transmitter, or a tax preparer.

We do not hold your money. We do not move your money. We do not invest your money. We do not open accounts for you, and we have no relationship with the institution where your account is held.

Nothing in the service is investment advice, tax advice, legal advice, or a recommendation to buy or sell any security.

3. The match arrangement is between you and your family

This section is important.

When a sponsor sets a match percentage and a monthly cap, they are describing what they intend to do. They are not entering into an agreement with us, and we are not a party to any agreement between them and a saver.

Specifically:

• We do not guarantee that a sponsor will send any amount.
• We do not collect, enforce, or advance funds on anyone's behalf.
• We will not mediate, arbitrate, or resolve a disagreement between a saver and a sponsor.
• Amounts we display as owed, outstanding, or matched are a record of what has been entered and observed. They are not a debt, a promise, or an obligation we can enforce.

If your family disagrees about what was sent or what was owed, that is a matter between you.

4. Eligibility

You must be at least 18 years old and a resident of the United States to use Amply Match. One person may not create an account on behalf of another without their knowledge.

5. Your connected account

The savings account you connect is yours, held at an institution you chose. We access it through Plaid, a third-party service, on a read-only basis.

This means:

• We receive transaction and balance information. We never receive or store your online banking credentials.
• We cannot deposit, withdraw, transfer, correct, reverse, or recover anything in your account.
• If a transfer goes to the wrong place or an amount is wrong, that is between you and your bank. We have no ability to help beyond showing you our record of what we observed.

Your use of Plaid is also governed by Plaid's end user privacy policy.

You may disconnect your account at any time. If you do, we stop receiving new information and the record stops updating.

6. Accuracy of records

We work to keep our records accurate, but we depend on information from third parties and on what you and your family enter.

Bank connections break. Transactions post late or with unhelpful descriptions. People send money and forget to record it, or record it and forget to send. We may misattribute a deposit.

You should treat what we show you as a helpful record, not as an authoritative statement of account. Your bank's records govern.

7. Gift totals

We may show the total amount a sponsor has recorded through Amply Match in a calendar year, alongside general information about IRS gift tax thresholds.

This total reflects only what has been recorded here. It does not include gifts made elsewhere, gifts from a spouse, or transfers that may be excluded for other reasons. It is not a calculation of anyone's tax position and it is not tax advice.

Talk to a tax professional about your situation.

8. Cost

Amply Match is currently free.

If we introduce a paid feature in the future, we will tell you what it costs and what it includes before you are charged anything. Continuing to use the free service will never result in a charge.

9. Your account

You are responsible for keeping your login secure and for activity under your account. Tell us promptly at hello@amplymatch.com if you believe someone else has access.

You may close your account at any time. We may suspend or close an account that violates these terms, is used to harass another person, or that we are required to close by law.

10. Acceptable use

Do not use Amply Match to harass, coerce, or deceive another person. Do not attempt to access another user's data. Do not scrape, reverse engineer, or interfere with the service.

11. Changes to the service

We are early. Features will change, and some may be removed. We will give reasonable notice of significant changes, and we will not begin charging for something you are already using without telling you first.

12. Disclaimers

The service is provided as is, without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the service will be uninterrupted, error-free, or that records will be complete or accurate.

13. Limitation of liability

To the maximum extent permitted by law, Amply Match will not be liable for indirect, incidental, consequential, special, or punitive damages, or for lost savings, lost matches, or amounts a sponsor did not send.

Our total liability for any claim relating to the service will not exceed one hundred dollars ($100) or the amount you paid us in the twelve months before the claim, whichever is greater.

Some jurisdictions do not allow these limitations, so they may not apply to you.

14. Indemnification

You agree to indemnify and hold harmless Amply Match from claims arising out of your use of the service, your violation of these terms, or a dispute between you and another user.

15. Governing law and disputes

These terms are governed by the laws of the State of Minnesota, without regard to conflict of law principles.

16. Changes to these terms

We may update these terms. If we make material changes, we will notify you by email or in the product before they take effect. Continuing to use the service after that means you accept the updated terms.

17. Contact

hello@amplymatch.com

Amply Match, Inc.
Minneapolis, MN