Terms of Service
Effective Date: July 25, 2025
These Terms of Service are a legally binding agreement between you and DreamStori Inc. They cover the Money.ai mobile application (the “App”) and our online website. In these Terms we’ll refer to DreamStori Inc. as “Money.ai”, “Company”, “we” or “us”. We’ll refer to our App and online website, together with any content, tools, features and functionality offered on or through them, as the “Services”. In these Terms, “you” and “your” means you as the user of the Services.
These Terms govern your access to and use of the Services. Please read them carefully, as they include important information about your legal rights. By accessing or using the Services, you’re agreeing to these Terms. If you don’t understand or agree to these Terms, please don’t use the Services.
If you are under 18, you represent that you have your parent or guardian’s permission to use the Services. Please have them read these Terms with you. If you are a parent or legal guardian of a user under the age of 18, by allowing your child to use the Services, you are subject to these Terms and responsible for your child’s activity on the Services.
NOTE: THESE TERMS CONTAIN AN ARBITRATION CLAUSE AND CLASS ACTION WAIVER. By agreeing to these Terms, you agree to resolve all disputes with us through binding individual arbitration. That means you also waive any right to have those disputes decided by a judge or jury, and you waive your right to participate in class actions, class arbitrations, or representative actions. You have the right to opt out of arbitration as explained below.
Use of the Services
Your Obligations of Use. When you use the Services, you agree to provide accurate and complete information about yourself. If you are under 13 years old OR if you are an EU citizen or resident under 16 years old, do not use the Services – you are not authorized to use them.
Subscription and Account Registration. In order to access and use the full range of the Services, you must complete the subscription process and create a user account. Access to certain features or content may be restricted until such time as you have successfully completed both the subscription and registration procedures. The subscription fee shall be as displayed on the subscription page at the time of purchase. Within the greatest extent permitted by any applicable law, we may change subscription fees at any time. We will give you reasonable notice of any such pricing changes by posting the new prices on the app and/or by sending you an email notification, or in other prominent way. If you do not wish to pay the new fee, you can cancel the applicable subscription prior to the change going into effect.
Any of our paid subscriptions shall be paid in monthly or yearly installments and processed by the App marketplace partner through which you originally acquired the subscription. Refunds cannot be claimed for any partial-month or partial-year subscription period. Additional details regarding the subscription are set forth in the Subscription Terms.
Account, Password and Security. You may register to use Services (the “Account”). You are responsible for maintaining the confidentiality of your password and account, and for all activities that occur under your password or account. You agree to immediately notify Money.ai of any unauthorized use of your password or account or any other breach of security, and to ensure that you exit from your account at the end of each session when accessing the Services. Money.ai will not be liable for any loss arising from your failure to comply with this paragraph.
You acknowledge that Money.ai may establish general practices and limits concerning use of the Services. These may include, without limitation, the maximum period of time that data or other content will be retained by the Services and the maximum storage space that will be allotted on Money.ai's servers on your behalf. You agree that Money.ai has no responsibility or liability for the deletion or failure to store any data or other content maintained or uploaded to the Services. You further acknowledge that Money.ai reserves the right to change these general practices and limits at any time, in its sole discretion, with or without notice.
Podcast and AI Analyst.The personalized podcast content delivered through Money.ai is generated using AI technology based on the interests and stocks you select within Money.ai. As a result, the content delivered to each user is tailored to their preferences and may differ from user to user. The personalized podcast is scheduled to be generated by 8:00 AM Eastern Time (UTC-5) each day. However, due to potential factors such as network latency and technical limitations, we cannot guarantee the exact generation time. You can check the podcast page at any time to see if the content has been generated for the day.
You may listen to or view the podcast and engage in AI-powered conversations with the AI analyst regarding the podcast. However, you acknowledge and agree that you do not acquire any intellectual property rights in or to the podcast, its content, or any portion thereof.
Conditions of Use
Limited License Grant. Money.ai grants you a personal, limited, revocable, non-exclusive, non-transferable and non-sublicensable right to install and use the Money.ai software on devices you legally own or control, solely for your personal entertainment and non-commercial purpose (the “License”). The rights granted to you by Money.ai under this License are subject to the terms of this Agreement and you may make use of the License only if you comply with all applicable terms. The License becomes effective on the date that you accept this Agreement.
By accepting this Agreement, you understand and acknowledge that the Money.ai software is licensed, not sold to you, under the License, and furthermore that the License does not grant you any title or ownership in the Money.ai software.
User Conduct. In addition to agreeing to comply with our Community Guidelines, which are incorporated herein, you agree to comply with the following conditions in using the Services.
You are solely responsible for all Content you submit to the Services. (When we say “Content you submit” and similar terms, we mean anything you seek to post, transmit, or share, including but not limited to text, images, sounds, video, graphics, information, or other data.)
You agree not to submit any Content that:
(i) infringes any intellectual property or other proprietary rights of any party;
(ii) you do not have a right to submit;
(iii) contains software viruses or any computer code, files or programs designed to interrupt, destroy or limit the functionality of any computer software or hardware or telecommunications equipment;
(iv) poses a privacy or security risk to any person;
(v) constitutes unsolicited or unauthorized advertising, promotional materials, commercial activities and/or sales, “junk mail”, “spam”, “chain letters”, “pyramid schemes”, “contests”, “sweepstakes” or any other form of solicitation;
(vi) is threatening, abusive, harassing, tortious, bullying, or excessively violent;
(vii) is defamatory, libelous, or verifiably false with the purpose of harming others;
(viii) constitutes hate speech that demeans or promotes discrimination or violence on the basis of race, ethnicity, gender, religion, age, or other social, physical or mental characteristics;
(ix) is obscene or pornographic;
(x) constitutes sexual harassment;
(xi) constitutes sexual exploitation or abuse of a minor, including sharing child sexual exploitation or abuse imagery or content, grooming, or sexual extortion;
(xii) glorifies self-harm, including self-injury, suicide, or eating disorders;
(xiii) promotes terrorism or violent extremism;
(xiv) furthers or promotes criminal activity;
(xv) seeks to buy or sell illegal drugs;
(xvi) facilitates fully automated decision making that adversely impacts a person’s legal rights or creates a binding, enforceable obligation;
(xvii) seeks to provide medical, legal, financial or tax advice;
(xviii) interferes with or disrupts the Services or servers or networks connected to the Services,
(xix) interferes with or appropriates any person’s right of publicity by using their name, likeness or persona (a) without permission and (b) outside a permissible context such as non-commercial parody or public commentary; or
(xx) in the sole judgment of Money.ai, is objectionable or that restricts or inhibits any other person from using or enjoying the Services, or which may expose Money.ai or its users to any harm or liability.
You likewise agree not to do any of the following in connection with your use of the Services:
(i) disobey any requirements, procedures, policies or regulations of networks connected to the Services;
(ii) violate any applicable law or regulation;
(iii) impersonate any person or entity, or misrepresent your affiliation with a person or entity;
(iv) solicit personal information from anyone under the age of 18;
(v) harvest or collect email addresses or other contact information of other users from the Services by electronic or other means for the purposes of sending unsolicited emails or other unsolicited communications;
(vi) obtain or attempt to obtain any information through any means not intentionally made available or provided for through the Services;
(vii) lease, lend, sell or sublicense any part of the Services;
(viii) try to evade any technological measure designed to protect the Services or any technology associated with the Services; or
(ix) reverse engineer, disassemble, decompile, decode, adapt, or otherwise attempt to derive or gain access to any Services source code, in whole or in part (unless a portion of code within the Services is released as open source and the open source license governing such code expressly permits reverse engineering, copying or other modification).
You agree not to access content through any technology or means other than the audio playback pages of the Services itself or other explicitly authorized means Money.ai may designate. Except as explicitly authorized in these Terms of Service, you agree not to archive, download (other than through caching necessary for personal use), reproduce, distribute, modify, display, perform, publish, license, create derivative works from, offer for sale, or use content and information contained on or obtained from or through the Services without express written permission from Money.ai. If you create derivative works based on Money.ai's content without authorization, you are solely responsible for ensuring that such works do not infringe any third party's intellectual property or other rights. You agree to indemnify, defend, and hold harmless Money.ai, its affiliates, and their respective officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, or expenses, including reasonable attorneys'' fees, arising out of or in connection with your use of the content or your breach of these Terms.
We reserve the right to investigate and take appropriate action against anyone who we conclude, in our sole discretion, has violated the provisions above. That action may include, without limitation, removing Content from the Services, suspending or terminating your account, and reporting you to law enforcement.
Ownership/Intellectual Property Rights
Content You Submit. When you submit Content to the Services, you represent and warrant that you own all right, title and interest in and to that Content (including, without limitation, all copyrights and rights of publicity), or that you have received all necessary permissions, clearances, and authorizations in order to submit it to the Services for the uses contemplated in these Terms.
While we’re not required to do so, we may access, review, screen, edit, modify and delete your Content at any time and for any reason, including to provide and develop the Services or if we think the Content violates these Terms or any applicable laws.
You acknowledge that any data pertaining to your use of the Money.ai Services may cease to be available to you at any time without prior notice in the sole discretion of Money.ai.
Services Content, Software and Trademarks. You acknowledge and agree that the Services may contain content or features protected by copyright, patent, trademark, trade secret or other proprietary rights and laws. In connection with your use of the Services you will not engage in or use any data mining, robots, scraping or similar automated data gathering or extraction methods. If you are blocked by us from accessing the Services (including by blocking your IP address), you agree not to implement any measures to circumvent such blocking (e.g., by masking your IP address or using a proxy IP address). Any use of the Services or content on the Services other than as specifically authorized herein is strictly prohibited. Any rights not expressly granted herein are reserved by us.
The Money.ai name and logos are trademarks of Money.ai (collectively the “Money.ai Trademarks”). Other trademarks used and displayed via the Services may be trademarks of their respective owners who may or may not endorse or be affiliated with or connected to Money.ai. Nothing in these Terms or the Services should be construed as granting any license or right to use any of Money.ai Trademarks without our prior written permission in each instance. All goodwill generated from the use of Money.ai Trademarks will inure to our exclusive benefit.
You acknowledge that we have the right (but not the obligation) in our sole discretion to refuse or remove any content that is available via the Services.
You acknowledge and agree that any questions, comments, suggestions, ideas, feedback or other information about the Services provided by you to Money.ai are non-confidential, and that we are entitled to use and disseminate them for any purpose, without acknowledgment of or compensation to you.
You acknowledge and agree that we may preserve content and metadata in compliance with applicable law and our Privacy Policy. You acknowledge and agree that we may disclose content and/or metadata if required to do so by law or in the good faith belief that such preservation or disclosure is reasonably necessary to: (a) comply with legal process, applicable laws or government requests; (b) enforce these Terms; (c) respond to claims that any content violates the rights of third parties; or (d) protect the rights, property, or personal safety of Money.ai, its users and the public.
Copyright Complaints
Money.ai respects the intellectual property of others, and we ask our users to do the same. If you believe that your work has been copied in a way that constitutes copyright infringement, or that your intellectual property rights have been otherwise violated, you should notify Money.ai of your infringement claim in accordance with the procedure set forth below.
DMCA Notices.Money.ai will process and investigate notices of alleged infringement and will take appropriate actions under the Digital Millennium Copyright Act (“DMCA”) and other applicable intellectual property laws with respect to any alleged or actual infringement.
You can submit a DMCA request to: contact_us@moneyai-app.com.
To be effective, the notification must be in writing and contain the following information:
An electronic or physical signature of the person authorized to act on behalf of the owner of the copyright or other intellectual property interest;
A description of the copyrighted work or other intellectual property that you claim has been infringed;
A description of where the material that you claim is infringing is located on the Services, with enough detail that we may find it on the Services;
Your address, telephone number, and email address;
A statement by you that you have a good faith belief that the disputed use is not authorized by the copyright or intellectual property owner, its agent, or the law; and
A statement by you, made under penalty of perjury, that the information in your notice is accurate and that you are the copyright or intellectual property owner or authorized to act on the copyright or intellectual property owner’s behalf.
Third Party Websites
The Services or third parties may provide links or other access to other sites and resources on the Internet or to third-party applications. Money.ai has no control over such sites, resources or applications and Money.ai is not responsible for and does not endorse them. You acknowledge and agree that Money.ai will not be responsible or liable, directly or indirectly, for any damage or loss caused by reliance on any content, events, goods or services available on or through any such sites, resources or applications. Any dealings you have with third parties found while using the Services are between you and the third party, and you agree that Money.ai is not liable for any loss or claim that you may have against any such third party.
Indemnity and Release
You agree to release, indemnify and hold Money.ai and its affiliates and their officers, employees, directors and agents harmless from any and all losses, damages, and expenses of any kind arising out of or relating to your use of the Services. Without limiting the foregoing, the release and indemnification described above includes reasonable attorneys’ fees, rights, claims, actions of any kind and injury (including death) arising out of or relating to your use of the Services.
If you are a California resident, you waive California Civil Code Section 1542, which says:
A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party.
If you are a resident of another jurisdiction, you waive any comparable statute or doctrine.
Disclaimer of Warranty
Your use of the Services is at your sole risk. The site is provided on an “AS IS” and “AS AVAILABLE” basis. Money.ai expressly disclaims all warranties of any kind, whether express, implied or statutory, including, but not limited to the implied warranties of merchantability, fitness for a particular purpose, title and non-infringement. Money.ai makes no warranty that (i) the Services will meet your requirements, (ii) the Services will be uninterrupted, timely, secure, or error-free, or (iii) the results that may be obtained from the use of the Services will be accurate or reliable.
The quality of the audio and/or display of the content may vary from device to device, and may be affected by a variety of factors, such as your location and the bandwidth available through and/or speed of your internet connection. You are responsible for all internet access charges. Please check with your internet provider for information on possible internet data usage charges. Money.ai makes no representations or warranties about the quality of your listening experience on your audio devices. The time it takes to begin listening to content will vary based on a number of factors, including your location, available bandwidth at the time, the content you have selected, and the configuration of your device.
We make no representations, warranties or guarantees, whether express or implied, regarding the accuracy, completeness, reliability, or timeliness of any content provided by Money.ai.
You should understand and use AI technology in a scientific and rational manner. All content provided by Money.ai, including but not limited to podcast content and responses generated by the AI analyst, is for reference purposes only. Such content should not be relied upon as a basis for any action or inaction. Any judgment made by you based on the content, or any decision or action taken as a result thereof, shall be at your sole discretion and risk.
Limitation of Liability
You understand and agree that Money.ai will not be liable for any indirect, incidental, special, consequential, or exemplary damages, or damages for loss of profits including but not limited to damages for loss of goodwill, use, data or other intangible losses (even if Money.ai has been advised of the possibility of such damages), whether based on contract, tort, negligence, strict liability or otherwise, resulting from: (i) the use or the inability to use the Services; (ii) your access, use of any Content; (iii) your sharing with any third party of any Content; (iv) unauthorized access to or alteration of your transmissions or data; (v) statements or conduct of any third party (including users) on the Services; or (vi) any other matter relating to the Services. In no event will Money.ai's total liability to you for all damages, losses or causes of action exceed the greater of: (i) $200; or (ii) the amount you paid Money.ai in connection with your use of the Services.
Some jurisdictions do not allow the exclusion of certain warranties or the limitation or exclusion of liability for incidental or consequential damages. Accordingly, some of the limitations set forth above may not apply to you. If you are dissatisfied with any portion of the site or with these terms of use, your sole and exclusive remedy is to discontinue use of the Services.
Dispute Resolution by Binding Arbitration
Agreement to Arbitrate.This Dispute Resolution by Binding Arbitration section of the Terms is referred to in these Terms as the “Arbitration Agreement.” You agree that any and all disputes or claims that have arisen or may arise between you and Money.ai, whether arising out of or relating to these Terms (including any alleged breach thereof), the APP or Services, any aspect of the relationship or transactions between us, shall be resolved exclusively through final and binding arbitration, rather than a court, in accordance with the terms of this Arbitration Agreement, except that you may assert individual claims in small claims court, if your claims qualify. Further, this Arbitration Agreement does not preclude you from bringing issues to the attention of federal, state, or local agencies, and such agencies can, if the law allows, seek relief against us on your behalf. You agree that, by entering into these Terms, you and Money.ai are each waiving the right to a trial by jury or to participate in a class action. Your rights will be determined by a neutral arbitrator, not a judge or jury. The Federal Arbitration Act governs the interpretation and enforcement of this Arbitration Agreement.
Prohibition of Class and Representative Actions and Non-Individualized Relief.You and Money.ai agree that each of us may bring claims against the other only on an individual basis and not as a plaintiff or class member in any purported class or representative action or proceeding. Unless both you and Money.ai agree otherwise, the arbitrator may not consolidate or join more than one person’s or party’s claims and may not otherwise preside over any form of a consolidated, representative, or class proceeding. Also, the arbitrator may award relief (including monetary, injunctive, and declaratory 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 claims.
Arbitration Procedures. Arbitration will be conducted by a neutral arbitrator in accordance with JAMS’ Streamlined Arbitration Rules and Procedures (collectively, the “JAMS Rules”), as modified by this Arbitration Agreement. For information on JAMS, please visit its website, https://www.jamsadr.com. If there is any inconsistency between any term of the JAMS Rules and any term of this Arbitration Agreement, the applicable terms of this Arbitration Agreement will control unless the arbitrator determines that the application of the inconsistent Arbitration Agreement terms would not result in a fundamentally fair arbitration. The arbitrator must also follow the provisions of these Terms as a court would. All issues are for the arbitrator to decide, including, but not limited to, issues relating to the scope, enforceability, and arbitrability of this Arbitration Agreement. Although arbitration proceedings are usually simpler and more streamlined than trials and other judicial proceedings, the arbitrator can award the same damages and relief on an individual basis that a court can award to an individual under the Terms and applicable law. Decisions by the arbitrator are enforceable in court and may be overturned by a court only for very limited reasons. Unless Money.ai and you agree otherwise, any arbitration hearings will take place in San Francisco, CA. If the parties are unable to agree on a location, the determination shall be made by JAMS.
Costs of Arbitration. Payment of all filing, administration, and arbitrator fees will be governed by the JAMS Rules, unless otherwise provided in this Arbitration Agreement.
Confidentiality. All aspects of the arbitration proceeding, and any ruling, decision, or award by the arbitrator, will be strictly confidential for the benefit of all parties.
Severability. If a court or the arbitrator decides that any term or provision of this Arbitration Agreement (other than the subsection titled “Prohibition of Class and Representative Actions and Non-Individualized Relief” above) is invalid or unenforceable, the parties agree to replace such term or provision with a term or provision that is valid and enforceable and that comes closest to expressing the intention of the invalid or unenforceable term or provision, and this Arbitration Agreement shall be enforceable as so modified. If a court or the arbitrator decides that any of the provisions of the subsection above titled “Prohibition of Class and Representative Actions and Non-Individualized Relief” are invalid or unenforceable, then the entirety of this Arbitration Agreement shall be null and void. The remainder of the Terms will continue to apply.
Termination
You agree that Money.ai, in its sole discretion, may suspend or terminate your use of the Services and remove and discard any content within the Services, for any reason, including, without limitation, for lack of use or if Money.ai believes that you have violated or acted inconsistently with the letter or spirit of these Terms.
Money.ai may also in its sole discretion and at any time discontinue providing the Services, or any part thereof, with or without notice. You agree that any termination of your access to the Services under any provision of these Terms may be effected without prior notice, and acknowledge and agree that Money.ai may (but has no obligation to) immediately deactivate or delete your related information and files in your account and/or bar any further access to such files or the Services. Termination of your access to any component of the Services will not terminate Money.ai's rights to your Content. Further, you agree that Money.ai will not be liable to you or any third party for any termination of your access to the Services.
General
Entire Agreement.These Terms constitute the entire agreement between you and Money.ai and govern your use of our Services, superseding any prior agreements between you and Money.ai with respect to the Services.
Choice of Law, Jurisdiction, Venue.These Terms are governed by the laws of the State of California without regard to its conflict of law provisions. With respect to any disputes or claims not subject to arbitration, as set forth above, you and Money.ai agree to submit to the personal and exclusive jurisdiction of the state and federal courts located within California.
Severance. If any provision of these Terms is found by a court of competent jurisdiction to be invalid, the parties agree that the court should try to give effect to the parties’ intentions as reflected in the provision, and the other provisions of these Terms remain in full force and effect.
No Waiver. Any failure of Money.ai to exercise or enforce any right or provision of these Terms does not constitute a waiver of such right or provision.
Expiration of Claims. You agree that regardless of any statute or law to the contrary, any claim or cause of action arising out of or related to use of the APP or these Terms must be filed within one year after such claim or cause of action arose or be forever barred.
Assignment. You may not assign these Terms without the prior written consent of Money.ai, but Money.ai may assign or transfer these Terms, in whole or in part, without restriction.
Notice. Notices to you may be made via either email or regular mail. The Site may also provide notices to you of changes to these Terms or other matters by displaying notices or links to notices generally on the Services.
Changes to these Terms
We reserve the right, at our sole discretion, to change or modify portions of these Terms at any time. If we do this, we will post the changes on this page and will indicate at the top of this page the date these terms were last revised. Any such changes will become effective no earlier than 14 days after they are posted, except that changes addressing new functions of the Services or changes made for legal reasons will be effective immediately. Your continued use of the Services after the date any such changes become effective constitutes your acceptance of the new Terms.
Contact Us
If you have any questions about our Services, or to report any violations of these Terms, please contact us at contact_us@moneyai-app.com.