Terms of Service

These Terms of Service ("Terms") govern your access to and use of the Unvaulted iOS application and related services (collectively, the "Service") provided by Presterstone, LLC ("Unvaulted", "we", "us", "our").

By using the Service, starting a subscription, or creating an account, you agree to these Terms. If you do not agree, do not use the Service.

1. Eligibility

You must be at least 18 years old and capable of entering into a binding contract under the laws of your jurisdiction. By using Unvaulted you represent that you meet these requirements.

2. The Service

Unvaulted aggregates publicly-available information about sign-up and promotional bonuses, including but not limited to bank account, credit card, and brokerage offers, and provides tools to track your progress toward earning them. Specifically, Unvaulted:

• Lists bonuses curated from the institutions' own publications and reputable third-party sources.
• Allows you to save bonuses, track progress, log spend, and receive deadline reminders.
• Requires a paid subscription to use. Unvaulted has no free tier. You may purchase before creating a recoverable account, but you must hold an active subscription to access the offer catalog and tracking tools.

What Unvaulted is not:

• A bank, credit-card issuer, broker, financial advisor, or fiduciary.
• A guarantor that any listed bonus is currently available, accurate, or will be paid by the offering institution.
• A substitute for reading the terms of any bonus offer directly with the issuing institution.

3. Account

• Unvaulted may initially create an anonymous account identifier so you can subscribe without supplying personal information.
• You may later link Sign in with Apple or Google to protect your data and use it on another device.
• If you add a password, you are responsible for maintaining its confidentiality.
• You must promptly notify us of any unauthorized use of your account.
• We may suspend or terminate accounts that violate these Terms.

4. Subscriptions

a. How subscriptions work

A subscription is required to use Unvaulted. There is no free tier and no ad-supported tier. Premium is offered as auto-renewing subscriptions:

• Weekly: USD 7.99 per week, with a 7-day free trial for eligible new subscribers.
• 3 months: USD 29.99 per 3 months.
• Annual: USD 59.99 per year.

Only the weekly plan carries a free trial. A monthly plan previously offered at USD 4.99 has been withdrawn from sale; subscribers who purchased it before withdrawal keep access on their existing terms until they cancel.

Pricing is shown in your local currency at the point of purchase and may change; the price shown in the app at the time of purchase controls. Apple is the merchant of record.

b. Renewals

Subscriptions auto-renew at the end of each period unless cancelled at least 24 hours before the renewal date. You manage renewals in Settings → [Your Apple ID] → Subscriptions on iOS.

c. Free trial

The 7-day free trial is available on the weekly plan to new subscribers only. It begins immediately upon enrollment. If you do not cancel at least 24 hours before the trial ends, you will be charged the regular subscription fee and the subscription will auto-renew. Free-trial eligibility is determined by Apple and is scoped to the subscription group, so each Apple ID is eligible for one free trial across all Unvaulted plans, not one per plan.

d. Refunds

Subscription refunds are administered by Apple in accordance with the Apple Media Services Terms. We do not directly issue refunds for App Store purchases. Request a refund via reportaproblem.apple.com within Apple's stated refund window.

e. Promo codes

Promo codes that grant Premium time are applied at our discretion. Promo grants do not roll over and do not stack with paid Premium periods.

5. Acceptable use

You agree not to:

• Use the Service in violation of any law.
• Reverse engineer, decompile, or attempt to extract the source code (except where allowed by law).
• Scrape, mass-download, or systematically copy content from the Service.
• Use automated tools or scripts to interact with the Service.
• Submit false, misleading, or abusive content (e.g. fraudulent custom offers).
• Circumvent the paywall or otherwise gain unauthorized access to subscriber features.
• Apply for bonuses you are not legally eligible for (e.g. citizenship/residency requirements).
• Use the Service to facilitate fraud against any financial institution.

6. User-generated content

When you create custom offers, save offers, or leave notes:

• You retain ownership of the content you provide.
• You grant us a non-exclusive, worldwide, royalty-free license to host, store, and display that content solely as necessary to provide the Service to you.
• You represent that the content does not infringe third-party rights and is not unlawful.

We may remove user-generated content that violates these Terms.

7. Bonus offer information: accuracy and timeliness

Unvaulted aggregates bonus information from public sources. Despite our efforts:

• Bonus terms change frequently. The terms in our app may differ from the issuing institution's current terms.
• Some offers may be region-locked, time-limited, or limited to certain customer segments.
• Some offers may have expired by the time you view them.
• Apply links may include attribution parameters; eligibility is determined solely by the issuing institution.

Always review the issuing institution's current terms before applying. We are not responsible for any difference between the bonus information shown in Unvaulted and the institution's actual offer.

8. Affiliate disclosure

Unvaulted may receive a referral commission when you open an account through a link in the Service. Commissions do not affect:

• The bonuses we list (we list bonuses regardless of whether we earn a referral).
• The order in which bonuses are shown (sort/filter is determined by ranking heuristics, not commercial relationships).
• The information we provide about a bonus.

9. Intellectual property

• Unvaulted, the name, logo, and the Service are owned by us and protected by intellectual-property laws.
• Bonus details, institution names, and product names referenced in the Service are the trademarks of their respective owners. Their inclusion does not imply endorsement.
• Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for personal, non-commercial purposes.

10. Third-party services

The Service interoperates with Apple, Google (optional sign-in), Supabase, RevenueCat, Sentry, and PostHog. RevenueCat processes App Store subscription status and entitlement information on our behalf. Each has its own terms and privacy practices.

11. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE". TO THE MAXIMUM EXTENT PERMITTED BY LAW, UNVAULTED DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF MATERIAL INACCURACIES, OR THAT BONUSES SHOWN WILL BE AVAILABLE OR PAID BY THE ISSUING INSTITUTION.

12. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, UNVAULTED SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, OR USE, ARISING OUT OF OR IN CONNECTION WITH THE SERVICE.

OUR TOTAL CUMULATIVE LIABILITY SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US IN THE TWELVE MONTHS PRECEDING THE EVENT, OR (B) USD 50.

Some jurisdictions do not allow these limitations; in those jurisdictions our liability is limited to the maximum extent permitted by law.

13. Indemnification

You agree to defend, indemnify, and hold harmless Unvaulted and its officers, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorney's fees) arising out of:

• Your violation of these Terms.
• Your violation of any third-party right (including intellectual-property or privacy rights).
• Your misuse of the Service.

14. Termination

We may suspend or terminate your access to the Service at any time, with or without notice, if we reasonably believe you have violated these Terms or to protect the Service or other users.

You may terminate your account at any time via Settings → Account → Delete account. Termination does not entitle you to a refund.

15. Governing law and dispute resolution

These Terms are governed by the laws of the State of Florida, without regard to conflict-of-laws principles.

a. Informal resolution

Before filing any formal claim, you agree to first contact us at chris@presterstone.com and attempt to resolve the dispute informally for at least 30 days.

b. Venue

Any dispute that is not resolved informally shall be brought exclusively in the state or federal courts located in Florida, and you consent to the personal jurisdiction of those courts.

c. Small claims and injunctive relief

Either party may bring a qualifying dispute in small-claims court, or seek injunctive relief in court for intellectual-property infringement.

16. Apple-specific terms

You acknowledge:

• These Terms are between you and Unvaulted, not Apple.
• Apple is not responsible for the Service or any content in it.
• Apple is not responsible for addressing claims relating to the Service (including product-liability, regulatory non-compliance, or consumer-protection claims).
• Apple is a third-party beneficiary of these Terms and may enforce them against you.

17. Changes to these Terms

We may modify these Terms. Material changes will be posted in the app and on the marketing site at least 30 days before they take effect, unless the change is required for legal compliance. Continued use after the effective date constitutes acceptance.

18. Severability

If any provision of these Terms is held unenforceable, the remaining provisions remain in full effect.

19. Entire agreement

These Terms (together with the Privacy Policy and any product-specific terms) constitute the entire agreement between you and Unvaulted regarding the Service.

20. Contact

• General questions and legal notices: chris@presterstone.com