Terms of Use

1. Agreement to Terms

These Terms of Use (“Terms”) constitute a legally binding agreement between you (“User,” “you,” or “your”) and MST Technologies LLC, d/b/a VividTimeline (“Company,” “we,” “us,” or “our”). By accessing or using the VividTimeline application, website, or any related services (collectively, the “Service”), you acknowledge that you have read, understood, and agree to be bound by these Terms.

PLEASE READ CAREFULLY. These Terms contain a binding individual arbitration agreement, a class action waiver, a jury trial waiver, and important disclaimers and limitations on our liability. Section 17 explains how to opt out of arbitration within 30 days.

If you do not agree to these Terms, you must immediately discontinue use of the Service.

2. Description of Service

VividTimeline is a timeline-based retirement planning application that enables users to visualize their financial life through interactive life events spanning ages 18 to 100. The Service includes a free tier with core timeline and event-tracking features, paid subscription tiers, and an optional Lifetime Plan that unlocks advanced capabilities such as financial projections, scenario comparisons, and spouse or partner joint planning.

VividTimeline is a financial planning simulator and educational tool. It is not a financial advisor, investment advisor, broker-dealer, registered investment adviser, tax advisor, accountant, or law firm. We are not registered with the U.S. Securities and Exchange Commission, FINRA, or any state securities regulator. The Service does not constitute financial advice, investment advice, tax advice, or legal advice. See Section 10 for full disclaimers.

3. Eligibility

To use VividTimeline, you must be at least 18 years of age and legally capable of entering into a binding agreement in your jurisdiction. By using the Service, you represent and warrant that you meet these eligibility requirements and that your use of the Service does not violate any law or regulation applicable to you. We reserve the right to request verification of age or identity at any time.

4. Account Registration and Security

4.1 Account Creation

To access certain features of the Service, you must create an account by providing accurate, current, and complete information including your name, email address, and date of birth. You agree to update this information promptly if it changes.

4.2 Local-First Architecture

VividTimeline uses a local-first architecture, meaning certain data may be stored on your device before you create an account. By registering, you consent to the synchronization of locally stored data to our servers, subject to our Privacy Policy.

4.3 Account Security

You are solely responsible for maintaining the confidentiality of your account credentials. You agree to notify us immediately of any unauthorized use of your account. We are not liable for any loss or damage arising from your failure to protect your login credentials.

4.4 One Account Per Person

Each individual may maintain only one VividTimeline account. We reserve the right to merge or terminate duplicate accounts.

5. Subscription Plans, Lifetime Plan, and Payments

5.1 Free Tier

The free tier provides access to core timeline features, event creation, and basic financial data entry. Features available in the free tier may change at our discretion with reasonable notice.

5.2 Paid Subscriptions

Paid subscription plans (“Premium Plans”) unlock additional features including financial projections, scenario comparisons, and spouse or partner joint planning. Premium Plans are offered on a monthly or annual billing cycle.

5.3 Lifetime Plan

We may offer a one-time-purchase “Lifetime Plan” that grants access to the Service’s premium features for the operational lifetime of the Service, not your lifetime. We may discontinue, materially modify, or sunset the Service or any of its features at any time. If we discontinue the Service in its entirety, we will provide reasonable advance notice. Lifetime Plans are non-transferable and may not be resold.

5.4 Payment Processing

Payments are processed through third-party payment processors, which may include Stripe, Apple App Store, Google Play Store, or direct bank or ACH payment providers. By subscribing or purchasing, you agree to the terms and conditions of the applicable payment processor. We do not store your full payment card details on our servers.

5.5 Pricing and Changes

Subscription prices are displayed at the time of purchase. We reserve the right to change pricing with at least 30 days’ prior written notice. Price changes will take effect at the start of your next billing cycle following the notice period. Continued use of the Service after a price change constitutes acceptance of the new pricing.

5.6 Automatic Renewal Disclosure

YOUR PAID SUBSCRIPTION WILL AUTOMATICALLY RENEW AT THE END OF EACH BILLING CYCLE (MONTHLY OR ANNUALLY, AS APPLICABLE) AT THE THEN-CURRENT RATE FOR YOUR PLAN. You authorize us, or our payment processor, to charge your payment method on each renewal date until you cancel. Your subscription will continue and automatically renew unless you cancel before the renewal date.

How to cancel: You may cancel your subscription at any time, without charge for future periods, by visiting your account settings within the Service or, for App Store or Google Play purchases, through your platform account. Cancellation will take effect at the end of the current billing cycle. We do not provide prorated refunds for cancellation mid-cycle.

5.7 Refunds

For subscriptions and Lifetime Plans purchased directly through our website, we offer a 14-day refund period from the date of initial purchase or renewal upon written request. We do not offer prorated refunds for unused portions of any billing cycle after the 14-day window. For purchases through the Apple App Store or Google Play Store, the refund policies of those platforms apply, and you should request refunds through those platforms. Refund requests for direct purchases may be submitted to contact@vividtimeline.com.

5.8 Free Trials

We may offer free trial periods for Premium Plans at our discretion. Unless you cancel before the trial period ends, your trial will automatically convert to a paid subscription at the then-current rate, and we will charge your payment method. Trial availability, duration, and terms may vary.

5.9 App Store and Google Play Purchases

If you purchase a subscription through the Apple App Store or Google Play, the terms and conditions of the applicable app store also apply, including their billing, refund, and auto-renewal policies. In the event of a conflict between these Terms and the app store’s policies regarding billing or auto-renewal, the app store’s policies will control for that purchase channel.

5.10 Taxes

Subscription fees are exclusive of applicable taxes unless stated otherwise. You are responsible for any sales, use, value-added, or similar taxes imposed by any taxing authority on your purchase, except for taxes based on our net income.

6. User Content and Data

6.1 Ownership of Your Data

You retain full ownership of all personal and financial data you enter into VividTimeline (“User Data”), including life events, financial details, account information, and any other content you provide. We claim no ownership rights over your User Data.

6.2 License to Use Your Data

By using the Service, you grant us a limited, non-exclusive, non-transferable, royalty-free, worldwide license to host, store, process, transmit, and display your User Data solely for the purpose of providing, maintaining, securing, and improving the Service. This license terminates when you delete your data or your account, except to the extent retention is required for legal, billing, fraud-prevention, or backup purposes as described in our Privacy Policy.

6.3 Aggregated and Anonymized Data

We may create aggregated, anonymized, or de-identified data derived from your use of the Service (“Aggregated Data”). Aggregated Data does not identify you personally and may be used by us for analytics, research, product improvement, and business purposes. You will not be identifiable from Aggregated Data.

6.4 Data Accuracy

You are solely responsible for the accuracy, completeness, and timeliness of the data you enter into VividTimeline. The quality of any projection, scenario, or insight generated by the Service depends entirely on the quality of the underlying data you provide. Outputs are illustrative simulations, not guarantees, predictions, or recommendations.

6.5 Prohibited Content

You agree not to upload, transmit, or enter any content that is unlawful, fraudulent, threatening, harassing, defamatory, or otherwise objectionable, or that infringes any third party’s intellectual property or privacy rights.

7. Acceptable Use

You agree to use VividTimeline only for lawful purposes and in accordance with these Terms. You agree not to:

• Attempt to gain unauthorized access to the Service, other accounts, or our systems or networks.
• Use the Service to engage in any fraudulent, deceptive, or misleading activity.
• Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code, models, algorithms, formulas, or trade secrets of the Service.
• Use automated means (bots, scrapers, crawlers, or AI agents) to access, scrape, copy, or collect data from the Service without our express written permission.
• Use the Service to train, fine-tune, or evaluate any machine learning or artificial intelligence model, except as expressly permitted by us in writing.
• Interfere with or disrupt the integrity, security, performance, or availability of the Service.
• Resell, sublicense, redistribute, or commercialize access to the Service or any of its features.
• Use the Service to provide financial, investment, tax, or legal advice to third parties.
• Use the Service on behalf of a third party without their express authorization.
• Circumvent, disable, or otherwise interfere with security-related features or limitations of the Service.

We reserve the right to suspend or terminate your account for any violation of this section.

8. Intellectual Property

8.1 Our Intellectual Property

The Service, including its design, interface, features, algorithms, models, formulas, software, visual elements, branding, and all related intellectual property, is owned by VividTimeline and protected by copyright, trademark, trade secret, patent, and other intellectual property laws. Nothing in these Terms grants you any right, title, or interest in our intellectual property, except for the limited right to use the Service as described herein.

8.2 Trademarks

“VividTimeline,” the VividTimeline logo, and all related names, marks, and slogans are trademarks of MST Technologies LLC. You may not use our trademarks without our prior written consent.

8.3 Feedback

If you provide us with feedback, suggestions, or ideas regarding the Service (“Feedback”), you grant us a perpetual, irrevocable, royalty-free, worldwide license to use, modify, and incorporate such Feedback into the Service without obligation or compensation to you.

8.4 Copyright Complaints (DMCA)

We respect the intellectual property rights of others. If you believe that any content within the Service infringes your copyright, please send a notice to our designated agent at contact@vividtimeline.com with the information required by 17 U.S.C. Section 512(c)(3). We may, in appropriate circumstances and at our discretion, terminate the accounts of repeat infringers.

9. Service Modifications and Discontinuation

We may, at any time and at our sole discretion, modify, suspend, or discontinue any portion of the Service, with or without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuation of the Service. If we discontinue a paid feature you previously paid for, your sole remedy is a prorated refund for the unused, prepaid portion attributable to that feature, except as otherwise required by law.

10. Disclaimers

10.1 Not Financial, Investment, Tax, or Legal Advice

VIVIDTIMELINE IS NOT A FINANCIAL ADVISOR, INVESTMENT ADVISOR, BROKER-DEALER, REGISTERED INVESTMENT ADVISER, TAX ADVISOR, ACCOUNTANT, OR LAW FIRM. WE ARE NOT REGISTERED WITH THE U.S. SECURITIES AND EXCHANGE COMMISSION, FINRA, OR ANY STATE SECURITIES REGULATOR. THE SERVICE IS A PLANNING AND VISUALIZATION TOOL ONLY. ALL PROJECTIONS, SCENARIOS, AND CALCULATIONS ARE FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY AND DO NOT CONSTITUTE PERSONALIZED FINANCIAL, INVESTMENT, TAX, OR LEGAL ADVICE OR A RECOMMENDATION TO BUY, SELL, OR HOLD ANY SECURITY OR TO ADOPT ANY INVESTMENT, TAX, OR ESTATE STRATEGY. WE STRONGLY RECOMMEND THAT YOU CONSULT WITH QUALIFIED PROFESSIONALS BEFORE MAKING ANY FINANCIAL DECISIONS.

10.2 No Fiduciary Duty

Your use of the Service does not create any advisor-client, fiduciary, agency, partnership, or joint venture relationship between you and VividTimeline. We owe you no fiduciary duty with respect to your financial decisions.

10.3 Hypothetical and Illustrative Projections

Financial projections, scenarios, and calculations generated by the Service are hypothetical and illustrative. They are based on assumptions, models, the data you provide, and tax, regulatory, and economic information available at a point in time. Actual results may differ materially from projected results. Past performance is not indicative of future results. The Service does not project the performance of any particular security or investment.

10.4 No Guarantees of Accuracy

We do not guarantee the accuracy, reliability, completeness, currency, or timeliness of any information, projection, or analysis generated by or displayed within the Service. Tax law, Social Security rules, retirement account rules, and economic assumptions change over time and across jurisdictions.

10.5 “As Is” and “As Available”

THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT ANY DEFECTS WILL BE CORRECTED.

11. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL VIVIDTIMELINE, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, REVENUE, INVESTMENT RETURNS, BUSINESS OPPORTUNITIES, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF, OR INABILITY TO USE, THE SERVICE, OR ANY ACTION TAKEN OR NOT TAKEN BASED ON INFORMATION PROVIDED THROUGH THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (USD 100). THE LIMITATIONS IN THIS SECTION APPLY REGARDLESS OF THE FORM OR THEORY OF LIABILITY (CONTRACT, TORT, STATUTE, OR OTHERWISE) AND APPLY EVEN IF ANY LIMITED REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU. NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW.

12. Indemnification

You agree to indemnify, defend, and hold harmless VividTimeline and its officers, directors, employees, agents, and affiliates from and against any and all third-party claims, damages, obligations, losses, liabilities, costs, or expenses (including reasonable attorneys’ fees) arising from or related to (a) your use or misuse of the Service, (b) any decision you make or action you take or refrain from taking in reliance on the Service, (c) your violation of these Terms, (d) your violation of any law or regulation, or (e) your violation of any third party’s rights. This indemnity does not apply to claims to the extent caused by our gross negligence or willful misconduct.

13. Termination

13.1 Termination by You

You may terminate your account at any time by contacting us or using the account deletion feature in your settings. Upon termination, your right to use the Service ceases immediately. Deletion of your account and associated data will be processed in accordance with our Privacy Policy. Termination does not entitle you to a refund except as set forth in Section 5.7.

13.2 Termination by Us

We may suspend or terminate your account and access to the Service at any time, with or without cause and with or without notice, including for violation of these Terms. Upon termination, we may delete your account and associated data after a reasonable retention period as described in our Privacy Policy.

13.3 Effect of Termination

Upon termination, all licenses and rights granted to you under these Terms will immediately cease. Sections that by their nature should survive termination will survive, including Sections 6.3 (Aggregated Data), 8 (Intellectual Property), 10 (Disclaimers), 11 (Limitation of Liability), 12 (Indemnification), 14 (Export Controls and Sanctions), and 17 (Governing Law and Dispute Resolution).

14. Export Controls and Sanctions

You represent and warrant that (a) you are not located in, and are not a national or resident of, any country subject to comprehensive U.S. sanctions or embargoes, and (b) you are not on any U.S. government list of restricted or denied parties. You agree to comply with all applicable U.S. export control laws and economic sanctions regulations in connection with your use of the Service.

15. Electronic Communications

You consent to receive communications from us electronically, including emails, notices posted within the Service, and other electronic messages. You agree that all agreements, notices, disclosures, and other communications we provide to you electronically satisfy any legal requirement that such communications be in writing.

16. Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated to you via email or in-app notification at least 30 days before they take effect. Your continued use of the Service after the effective date of any changes constitutes your acceptance of the updated Terms. If you do not agree with the changes, you must stop using the Service and may terminate your account.

17. Governing Law and Dispute Resolution

17.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Georgia, without regard to its conflict of law principles. The Federal Arbitration Act governs the interpretation and enforcement of Section 17.3.

17.2 Informal Resolution

Before initiating any formal dispute, you and VividTimeline agree to first attempt to resolve the dispute through good-faith written negotiation for at least thirty (30) days after written notice from one party to the other.

17.3 Mandatory Individual Arbitration

If the dispute is not resolved through informal negotiation, you and VividTimeline agree that any controversy or claim arising out of or relating to these Terms or the Service, except as provided in Section 17.6, shall be resolved exclusively through binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, available at www.adr.org. The arbitration shall be conducted in Atlanta, Georgia, by a single arbitrator. The arbitrator’s decision shall be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

17.4 Right to Opt Out of Arbitration

You may opt out of Section 17.3 by sending written notice of your decision to opt out to contact@vividtimeline.com within 30 days of first accepting these Terms. Your notice must include your full name, the email address associated with your account, and a clear statement that you wish to opt out of arbitration. Opting out of arbitration does not affect any other provision of these Terms.

17.5 Class Action Waiver and Jury Trial Waiver

TO THE FULLEST EXTENT PERMITTED BY LAW, YOU AND VIVIDTIMELINE AGREE THAT ANY CLAIMS OR DISPUTES SHALL BE RESOLVED ON AN INDIVIDUAL BASIS AND NOT AS PART OF ANY CLASS, CONSOLIDATED, COLLECTIVE, MASS, OR REPRESENTATIVE ACTION. YOU AND VIVIDTIMELINE EACH WAIVE ANY RIGHT TO A TRIAL BY JURY IN ANY COURT PROCEEDING THAT IS NOT REQUIRED TO BE ARBITRATED UNDER THESE TERMS. If a court finds the class action waiver to be unenforceable as to any claim, that claim must be brought in court rather than arbitration, but all other claims remain subject to arbitration.

17.6 Small Claims and Equitable Relief Exceptions

Notwithstanding Section 17.3, either party may (a) bring an individual action in a small claims court for disputes within that court’s jurisdiction, or (b) seek injunctive or other equitable relief in court to protect intellectual property rights, prevent unauthorized access, or enforce obligations of confidentiality.

17.7 Time Limit on Claims

To the extent permitted by law, any claim or cause of action arising out of or related to these Terms or the Service must be filed within one (1) year after the claim arose, or it is permanently barred.

18. General Provisions

18.1 Entire Agreement

These Terms, together with our Privacy Policy and any applicable subscription terms, constitute the entire agreement between you and VividTimeline regarding the Service.

18.2 Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

18.3 Waiver

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.

18.4 Assignment

You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms without restriction.

18.5 Force Majeure

We shall not be liable for any delay or failure to perform resulting from causes beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, pandemics, governmental actions, internet or telecommunications outages, or third-party service provider failures.

18.6 Relationship of the Parties

Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship between you and VividTimeline.

18.7 No Third-Party Beneficiaries

These Terms are for the benefit of you and VividTimeline and confer no rights on any other person or entity.

18.8 Notices

Notices to you may be sent to the email address associated with your account or posted within the Service. Notices to us must be sent to contact@vividtimeline.com.

18.9 Headings

Section headings are for convenience only and do not affect interpretation.

19. Contact Us

If you have any questions about these Terms, please contact us at:

MST Technologies LLC, d/b/a VividTimeline
Email: contact@vividtimeline.com

By using VividTimeline, you acknowledge that you have read, understood, and agree to these Terms of Use.