Terms of Service
Last updated: November 14, 2026
Plain-language summary. Cents of Mind is a budgeting tool, not a bank and not financial advice. You connect your accounts at your own discretion, you're responsible for your account and the accuracy of your data, and the Service is provided "as is." The full terms are below.
1. Acceptance of these terms
These Terms of Service ("Terms") are a binding agreement between you and MJ Applications LLC ("Cents of Mind," "we," "us"). By creating an account, creating a budget, or otherwise using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.
2. The Service
Cents of Mind is a personal budgeting application that lets you connect financial accounts, view transactions, organize them into budgets and categories, and see spending insights, including Centsei, an optional AI assistant.
Plans. The Service has a free plan and paid plans (Individual and Family). Connecting financial institutions, Centsei and the Recurring page require a paid plan, and moving to the free plan disconnects your institutions. Prices are shown in the app before you pay. Purchases made through the App Store are billed by Apple under Apple's terms, and subscriptions can be managed or cancelled in your Apple account settings.
3. Eligibility
You must be at least 18 years old (or the age of majority where you live) and able to form a binding contract to use the Service.
4. Your account
Sign-in is provided through Auth0. You are responsible for maintaining the security of your login and for all activity under your account. Notify us promptly of any unauthorized use.
5. Connecting financial accounts
To use core features, you may connect financial institutions through Plaid. By doing so, you authorize us and Plaid to access and retrieve information from those accounts on your behalf, and you agree to the Plaid End User Privacy Policy. You represent that you are authorized to provide this access for the accounts you connect. You may disconnect an institution at any time.
6. Not financial, tax, or investment advice
The Service is provided for informational and personal-budgeting purposes only. It is not financial, investment, tax, accounting, or legal advice, and we are not a bank, broker, lender, or financial advisor. Categorizations, projections, and AI-generated insights may be inaccurate or incomplete. Centsei, the optional AI assistant, is powered by a third-party AI model (Anthropic's Claude), receives your information only after you allow it in the app, and can make mistakes; check anything important before relying on it. You are solely responsible for your financial decisions and should consult a qualified professional where appropriate. Always verify balances and transactions with your financial institution.
6A. Changes Centsei suggests
Centsei can suggest changes to a budget you are allowed to edit, such as changing a line's amount or moving money between lines. A suggestion is only a suggestion: it is shown to you as a card listing exactly what would change, and nothing changes unless you tap Confirm. Declining, or doing nothing, leaves your budget as it is; a suggestion you don't act on expires after 24 hours. If your budget has changed in a way that affects a suggestion since it was made, it will not be applied.
When you confirm a suggestion, you are making that change yourself, and you are responsible for it as for any change you make in the app. Read the card before you confirm: AI can misunderstand a request or make mistakes. You can undo a confirmed change from the card or from Settings → Privacy → Centsei activity for 30 days; undo restores only the lines that have not been changed since, and lines changed since are listed and left as they are. On a shared budget, a confirmed change applies for everyone who uses that budget, and they are notified.
We keep a record of each suggestion and your decision, as described in the Privacy Policy, to show it to you, to support undo, and to investigate problems you report.
7. Acceptable use
You agree not to: (a) use the Service unlawfully or to access accounts you are not authorized to access; (b) attempt to disrupt, reverse-engineer, scrape, or gain unauthorized access to the Service or its systems; (c) interfere with other users; or (d) use the Service to violate any applicable law or third-party right.
8. Your content
You retain ownership of the budgets, labels, and other content you create. You grant us a limited license to store and process that content solely to operate and improve the Service for you.
Shared budgets. If you share a budget with someone on your Family plan, they can see it and, depending on the role you give them, change it. A budget you create and share belongs to the plan: if you leave or are removed from the Family plan, it stays with the plan's owner, and if you delete your account, it passes to the person who has shared it longest. Your bank connections, accounts and transactions are never handed over.
9. Intellectual property
The Service, including its software, design, and branding, is owned by MJ Applications LLC and its licensors and is protected by intellectual-property laws. These Terms do not grant you any rights to our trademarks or branding.
10. Third-party services
The Service relies on third parties including Plaid, Auth0, Supabase, Netlify, Anthropic, Resend, and Apple. Your use of those services through Cents of Mind may also be subject to their terms. We are not responsible for third-party services or their availability.
11. Disclaimers
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT DATA WILL BE ACCURATE OR COMPLETE.
12. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, CENTS OF MIND AND ITS OPERATORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF DATA, PROFITS, OR FINANCIAL LOSSES, ARISING FROM YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID US IN THE PRIOR 12 MONTHS OR USD $100.
13. Indemnification
You agree to indemnify and hold harmless Cents of Mind and its operators from claims, damages, and expenses arising from your misuse of the Service or violation of these Terms.
14. Termination
Deleting your account. When you delete your account, we permanently delete your data, including your budgets, transactions, and Centsei activity record, as described in the Privacy Policy. Deletion cannot be undone and deleted data cannot be recovered. To the maximum extent permitted by law, we are not liable for any loss arising from the deletion of your data at your request, from data you chose not to export before deleting, or from a change you confirmed, including a change that could no longer be undone.
You may stop using the Service and request account deletion at any time. We may suspend or terminate access if you violate these Terms or to protect the Service or other users.
15. Changes to these terms
We may update these Terms from time to time. When changes are material, we will update the "Last updated" date and may ask you to re-accept within the app. Continued use after changes take effect constitutes acceptance.
16. Governing law & disputes
These Terms are governed by the laws of the State of Texas, without regard to conflict-of-laws rules. Any disputes will be resolved in the courts located in Collin County, Texas, unless otherwise required by applicable law.
17. Contact us
Questions about these Terms: support@mjapplications.com.