TandemNest Terms of Service

Supplemental End-User Terms

Effective date: July 10, 2026 | Company: Myworkingmemory LLC, a Tennessee limited liability company

1. Acceptance

These Terms of Service and Supplemental End-User Terms ("Terms") are a legal agreement between you and Myworkingmemory LLC ("Company," "we," "us," or "our") for the TandemNest mobile application, support materials, and related services (collectively, the "Services").

By downloading, purchasing, installing, opening, accessing, entering or editing records, or using the Services, you agree to these Terms and the TandemNest Privacy Policy. If you do not agree, do not use the Services.

You consent to transact electronically. Your download, purchase, tap, click, installation, opening of the App, or continued use after notice may constitute electronic assent under the federal E-SIGN Act and applicable state electronic-signature laws.

2. Definitions

"Company Parties" means Myworkingmemory LLC and its members, managers, officers, employees, agents, contractors, licensors, service providers, successors, assigns, and affiliates.

"User Content" means a shared goal name, target amount, starting balance, target date, currency choice, two participant names, fair-share display mode and percentages, manual contribution or withdrawal amounts, dates, contributor assignments, optional notes, plans, personal ideas, and other text you choose to enter, support messages, feedback, reports, screenshots, or other material you create, store, save, send, or otherwise use in connection with the Services.

"App Output" means combined progress, participant contribution totals, fair-share displays, remaining amount, target-date displays, and local history, or another result produced by the App from User Content on your device.

"Purchase" means any transaction through which Apple grants you the right to download or use the App.

"You" means the person who downloads, purchases, installs, opens, accesses, enters records into, or uses the Services.

3. Product Description

TandemNest is a one-device manual savings-goal tracker for two people working toward one shared target. The App is distributed through the Apple App Store for iPhone and iPad.

The Services are designed as follows:

Company may update, modify, suspend, or discontinue the Services or any feature as described below.

4. Apple App Store and License Terms

The App is licensed, not sold. If you download the App through the Apple App Store and Company has not separately selected a custom license agreement for the App in App Store Connect, Apple's standard licensed-application end-user license agreement applies to the App license.

These Terms supplement the Apple license terms and govern your relationship with Company for App use, support, acceptable use, User Content, dispute resolution, privacy-related disclosures, and Company protection. If these Terms conflict with a non-waivable Apple rule applicable to the App Store transaction, Apple's rule controls for that transaction.

These Terms are between you and Company only, not Apple. Company, not Apple, is responsible for the App and its content, except as stated in Apple's rules and these Terms. Apple has no obligation to furnish maintenance or support for the App.

If the App fails to conform to an applicable warranty, you may notify Apple, and Apple may refund the purchase price if required by Apple's policies. To the maximum extent permitted by law, Apple has no other warranty obligation for the App. Company, not Apple, is responsible for addressing claims relating to the App, including product-liability, legal-compliance, consumer-protection, intellectual-property, and applicable-law claims.

You represent that you are not located in a country subject to a U.S. government embargo or designated by the U.S. government as a terrorist-supporting country, and that you are not listed on a U.S. government restricted-party list. Apple and Apple's subsidiaries are third-party beneficiaries of this section and may enforce it against you.

5. License Grant

Subject to these Terms, Apple's applicable rules, and your compliance with any Purchase terms, Company grants you a limited, personal, revocable, non-exclusive, non-transferable, non-sublicensable license to use the Services for lawful personal or internal business purposes on Apple-branded devices that you own or control.

You do not acquire ownership of the App, source code, interface, design, trade dress, screenshots, icon, documentation, workflows, product name, trademarks, or other Company intellectual property.

Company may revoke this license if you breach these Terms, create legal or operational risk, misuse Company systems, or if Company discontinues the Services.

6. Purchases, Refunds, and Taxes

TandemNest may be offered free or for a one-time purchase through the Apple App Store, as shown by Apple at the time of download. The current App does not include subscriptions, credits, consumable purchases, or non-consumable in-app purchases.

Apple processes App Store payment and may control billing, taxes, Family Sharing, refunds, reversals, chargebacks, purchase records, price localization, and storefront availability under Apple's rules. Company does not receive your full payment-card number from Apple.

The price and availability displayed by Apple at the time of your transaction control. Company may change future pricing or availability, subject to Apple's systems and applicable law.

Except where required by law or Apple's policies, purchases are final and non-refundable. Apple controls App Store refund procedures and decisions.

You are responsible for taxes, device costs, data costs, carrier costs, backup costs, and other third-party costs related to your use of the Services.

7. No Company Account; Device, Local Data, and Backup Responsibility

The current App does not require a Company account. User Content is stored locally in the App's container on your device.

You are responsible for:

Company Parties do not guarantee that User Content, App Output, local files, device backups, screenshots, or copies will be recoverable, backed up, restorable, available, accurate, or retained.

8. User Content and App Output

As between you and Company, you retain whatever rights you lawfully hold in your User Content, subject to these Terms, platform rules, and applicable law.

You are responsible for User Content and for any use, reliance, disclosure, or distribution of it. You represent and warrant that you have all rights, permissions, consents, and authority needed to create, store, save, disclose, or otherwise use the information you enter, including another person's name or contribution information.

Company does not receive or require a license to your local User Content through ordinary App use. If you voluntarily send User Content to Company for support, you grant Company Parties a limited, worldwide, non-exclusive, royalty-free license to receive, reproduce, review, transmit, and use it only as reasonably necessary to provide support, protect Company Parties, comply with law, or process an action you request.

For clarity, private notes, plans, ideas, goal names, and other expressive material entered only inside TandemNest are local User Content; they are not feedback merely because they contain an idea. The feedback provision below applies only to feedback you deliberately submit to Company.

Company does not receive, monitor, moderate, or exercise editorial control over local User Content through ordinary App use, and Company receives no license to use it for advertising, analytics, profiling, product research, or AI or machine-learning training. This local-only design does not authorize unlawful content or infringement of another person's rights, and the acceptable-use obligations below still apply.

TandemNest's two participant profiles are labels in one device-local record, not separate accounts or confidential spaces. A person with access to the device may be able to view or change the records, and you are responsible for device controls, consent, and what you choose to enter.

Company does not guarantee that App Output is complete, accurate, current, private after you disclose it, unique, error-free, suitable for a professional purpose, or preserved.

If you submit ideas, suggestions, requests, comments, reviews, bug reports, marketing ideas, product concepts, or other feedback, you assign to Company all rights in that feedback to the fullest extent permitted by law. Company may use feedback without restriction, attribution, or compensation. If assignment is not permitted, you grant Company a perpetual, irrevocable, worldwide, royalty-free, sublicensable, transferable license to use the feedback for any purpose.

9. Local Storage, Manual Records, and Calculation Risk

The App depends on your device, iOS, local storage, file integrity, available capacity, and backups. User Content or other local data may be lost, corrupted, unavailable, duplicated, restored to an earlier state, or changed by device failure, operating-system behavior, backup or migration behavior, deletion, or user action.

Combined progress, participant contribution totals, fair-share displays, remaining amount, target-date displays, and local history may be incomplete, delayed, or inaccurate. You must verify important information independently.

Participant and fair-share displays are planning estimates based only on values entered on one device. They do not establish ownership, debt, entitlement, reimbursement rights, or a legally binding contribution obligation.

The current App does not connect to financial accounts, verify real-world balances or actions, perform transfers, use generative AI, use remote financial-data aggregation, or use a Company content server. Company cannot access, recover, correct, export, or delete local User Content for you.

TandemNest records may reveal the names, financial goals, contributions, notes, plans, personal ideas, or circumstances of two people. Both profiles and their history stay on the single device during ordinary use, and Company does not collect them through the App.

10. Company Intellectual Property

Company and its licensors retain all rights, title, and interest in the Services and all Company intellectual property. No rights are granted except the limited license expressly stated in these Terms.

You may not:

11. Acceptable Use

You may not use the Services to:

Violation of this section is a material breach. Company may restrict support, terminate any Company-controlled access, notify affected parties or authorities where appropriate, preserve information Company lawfully possesses, and seek injunctive or other relief. Company does not monitor your local User Content through ordinary App use.

12. No Professional Advice

The Services are manual personal money-planning or behavior-tracking tools. TandemNest does not create joint ownership, invite or authenticate another person, send messages, synchronize between devices, connect to a bank, verify contributions, hold or transfer money, resolve disputes, guarantee results, or provide relationship, financial, tax, legal, accounting, or investment advice.

The Services do not provide financial, investment, tax, accounting, legal, credit, banking, fiduciary, relationship, medical, or mental-health advice; do not create a professional, fiduciary, banking, creditor, debtor, ownership, or joint-account relationship; and must not be used as a substitute for professional judgment or official account records.

The Services are not intended for emergencies, bill-payment execution, debt servicing, tax reporting, legal compliance, credit decisions, or decisions that may cause death, bodily injury, financial loss, legal loss, discrimination, reputational harm, privacy harm, or deprivation of rights.

13. Third-Party Services and Platforms

The Services may interact with or depend on third-party platforms and systems, including Apple, iOS, App Store services, device storage, device backups, email providers, Company website hosting, network providers, operating-system features, and any destination you choose when contacting support or visiting a legal page.

Company Parties are not responsible for third-party acts, omissions, outages, rules, refund decisions, privacy practices, data practices, price changes, availability, compatibility, policy changes, backup behavior, or service discontinuation.

14. Updates, Changes, Suspension, and Discontinuation

Company may update, modify, suspend, discontinue, or terminate the Services or any feature at any time. Updates may add, change, or remove features, prices, platform support, storage behavior, limits, or availability.

Company may update these Terms. Company provides notice as required by applicable law and may provide notice by website posting, App Store release notes, in-App notice, email, or another reasonable method. Non-material updates apply to continued use to the extent permitted by law. Material amendments to dispute-resolution, class-waiver, jury-waiver, liability, privacy, or other rights-affecting terms apply prospectively and may require affirmative assent where required for enforceability.

If you do not agree to updated Terms, stop using the Services.

15. DMCA and Intellectual-Property Notices

The current App does not host a public user gallery. If you believe Company-controlled material infringes your copyright, send a notice to:

Myworkingmemory LLC

Nashville, Tennessee, United States

Email: dean@myworkingmemory.ai

Your notice should include the information required by 17 U.S.C. 512, including identification of the copyrighted work, identification of the allegedly infringing material, your contact information, a statement of good-faith belief, a statement under penalty of perjury that the notice is accurate, and your physical or electronic signature.

16. Warranty Disclaimer

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES AND APP OUTPUT ARE PROVIDED "AS IS" AND "AS AVAILABLE." COMPANY PARTIES DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, SECURITY, AVAILABILITY, COMPATIBILITY, CONTENT PRESERVATION, ERROR-FREE OPERATION, AND UNINTERRUPTED SERVICE.

COMPANY PARTIES DO NOT WARRANT THAT THE SERVICES WILL MEET YOUR NEEDS, PRESERVE YOUR USER CONTENT, WORK ON EVERY DEVICE OR OPERATING SYSTEM, REMAIN AVAILABLE, REMAIN COMPATIBLE WITH APPLE OR THIRD-PARTY SERVICES, PRODUCE COMPLETE OR ACCURATE APP OUTPUT, OR BE FREE FROM DEFECTS, ERRORS, INTERRUPTION, LOSS, CORRUPTION, SECURITY INCIDENTS, OR UNSUITABLE RESULTS.

17. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, COMPANY PARTIES WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, LOST PROFITS, LOST REVENUE, LOST DATA, LOST USER CONTENT, MISSED SAVINGS, MISSED OR LATE PAYMENTS, TAX OR ACCOUNTING CONSEQUENCES, RELATIONSHIP DISPUTES, UNVERIFIED TRANSFERS, BUSINESS INTERRUPTION, DEVICE FAILURE, LOSS OF GOODWILL, COSTS OF SUBSTITUTE GOODS OR SERVICES, THIRD-PARTY SERVICE FAILURE, PRIVACY HARM FROM INFORMATION YOU DISCLOSE, OR DAMAGES ARISING FROM THIRD-PARTY SERVICES, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, COMPANY PARTIES' TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATING TO THE SERVICES, USER CONTENT, APP OUTPUT, PURCHASES, THESE TERMS, OR THE PRIVACY POLICY WILL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID FOR THE SERVICES IN THE 12 MONTHS BEFORE THE CLAIM OR USD $100.

NOTHING IN THESE TERMS LIMITS LIABILITY FOR GROSS NEGLIGENCE, WILLFUL MISCONDUCT, INTENTIONAL TORTS, FRAUD, OR ANY LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW. NOTHING IN THESE TERMS WAIVES NON-WAIVABLE RIGHTS UNDER THE TENNESSEE CONSUMER PROTECTION ACT OR OTHER APPLICABLE CONSUMER-PROTECTION LAWS.

18. Indemnification

You agree to defend, indemnify, and hold harmless Company Parties from and against claims, damages, liabilities, losses, costs, and expenses, including reasonable attorneys' fees, arising from or relating to:

Company may control the defense of any matter subject to indemnification, and you agree to cooperate with Company.

19. Contract With the LLC Only; Covenant Not to Sue Members Individually

You acknowledge and agree that your contract is with Myworkingmemory LLC only, not with any individual member, manager, officer, employee, contractor, agent, licensor, successor, assign, service provider, or affiliate.

You acknowledge the Tennessee limited-liability-company liability shield reflected in Tenn. Code Ann. Section 48-249-114, including that members and other LLC actors are generally not personally liable for the LLC's debts, liabilities, or obligations solely by reason of that status.

To the fullest extent permitted by law, you covenant not to sue, name, demand recovery from, seek discovery from as a party, or seek personal liability against any member, manager, officer, employee, contractor, agent, licensor, successor, assign, service provider, or affiliate of Myworkingmemory LLC for any claim arising from or relating to the Services, User Content, App Output, purchases, these Terms, the Privacy Policy, or your use of the Services, except to the limited extent a non-waivable law permits a direct claim based on that person's own individual conduct.

This section is intended to protect the Company Parties, including the sole member of Myworkingmemory LLC, and survives termination.

20. Dispute Resolution

This section applies to all disputes, claims, actions, demands, controversies, or proceedings arising from or relating to the Services, User Content, App Output, purchases, these Terms, the Privacy Policy, communications, data, or any relationship between you and Company Parties.

20.1 Informal Resolution Required

Before starting arbitration or any court proceeding, you and Company must first send a written Notice of Dispute and participate in a 60-day informal negotiation period.

Your Notice of Dispute must be sent to dean@myworkingmemory.ai and must include your name, contact information, the App name, purchase platform, a description of the dispute, the relief requested, and enough information for Company to investigate.

Company's Notice of Dispute may be sent to the email address or mailing address associated with your purchase or support request, or other contact with Company.

No arbitration or lawsuit may be filed until the 60-day period ends, except for the small-claims and injunctive-relief exceptions below.

20.2 Binding Individual Arbitration

Except as expressly provided in this section, disputes will be resolved by final and binding individual arbitration administered by the American Arbitration Association under the AAA Consumer Arbitration Rules, including the AAA Mass Arbitration Supplementary Rules where applicable.

The Federal Arbitration Act governs the interpretation and enforcement of this arbitration agreement. The arbitration will be seated in Nashville, Davidson County, Tennessee. Where AAA rules permit, hearings may occur by videoconference, telephone, documents-only procedure, or another remote method.

20.3 Delegation

The arbitrator has exclusive authority to resolve threshold and gateway questions, including issues relating to the interpretation, applicability, formation, validity, scope, enforceability, unconscionability, waiver, capacity, authority, agency, minor or guardian assent, or arbitrability of this section and these Terms, except that a court may decide whether the class-action waiver or class/consolidated-arbitration waiver below is enforceable if required by law.

20.4 Class, Representative, Consolidated, Joinder, and Class-Arbitration Waiver

TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AND COMPANY PARTIES AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF, CLASS MEMBER, PRIVATE ATTORNEY GENERAL, OR REPRESENTATIVE IN ANY PURPORTED CLASS, COLLECTIVE, COORDINATED, CONSOLIDATED, MASS, REPRESENTATIVE, OR PRIVATE-ATTORNEY-GENERAL ACTION.

THE ARBITRATOR MAY NOT CONDUCT CLASS ARBITRATION, COLLECTIVE ARBITRATION, CONSOLIDATED ARBITRATION, REPRESENTATIVE ARBITRATION, PRIVATE-ATTORNEY-GENERAL ARBITRATION, OR JOINT ARBITRATION, AND MAY NOT JOIN OR CONSOLIDATE CLAIMS OF MORE THAN ONE PERSON, EXCEPT TO THE LIMITED EXTENT THE MASS-ARBITRATION PROTOCOL BELOW EXPRESSLY ALLOWS ADMINISTRATIVE BATCHING WITHOUT CLASS, REPRESENTATIVE, OR CONSOLIDATED MERITS ADJUDICATION.

No arbitration award or decision will have preclusive effect for or against anyone who is not a party to that individual arbitration.

20.5 Mass-Arbitration Protocol

If 25 or more similar arbitration demands are filed against Company Parties by the same or coordinated counsel or entities, the AAA Mass Arbitration Supplementary Rules apply. A process arbitrator will decide administrative and procedural issues, including filing completeness, fee allocation as permitted by AAA rules, batching, sequencing, bellwether procedures, mediation timing, and other process-management issues.

Unless AAA rules require otherwise or the process arbitrator orders otherwise, similar claims may be batched for staged proceedings, bellwether merits determinations, global mediation, and efficient administration. Each claimant's claim remains an individual claim, and no class, consolidated, collective, representative, or joint merits arbitration is permitted.

20.6 Jury Trial Waiver

FOR ANY CLAIM THAT IS NOT ARBITRATED, YOU AND COMPANY PARTIES KNOWINGLY AND VOLUNTARILY WAIVE ANY RIGHT TO TRIAL BY JURY TO THE MAXIMUM EXTENT PERMITTED BY LAW.

20.7 Arbitration Opt-Out

You may opt out of this arbitration section by sending an email to dean@myworkingmemory.ai within 30 days after you first accept these Terms. The email must include your name, the App name, purchase platform, and a clear statement that you opt out of arbitration.

Opting out of arbitration does not opt you out of any other part of these Terms, including the class-action waiver and jury-trial waiver to the extent enforceable outside arbitration.

20.8 Small Claims

Either party may bring an individual claim in small-claims court if the claim qualifies and remains in small-claims court. If a small-claims case is removed, appealed, transferred, or otherwise stops qualifying as a small-claims case, either party may require arbitration.

20.9 Company Injunctive and Equitable Relief

Company Parties may seek temporary, preliminary, or permanent injunctive or equitable relief in the state or federal courts located in Davidson County, Tennessee, for claims involving intellectual property, unauthorized access, cybersecurity, scraping, reverse engineering, acceptable-use violations, confidentiality, data misuse, fraud, purchase abuse, or threats to App or Company operations. This exception does not waive arbitration for damages or other claims.

20.10 Company Parties May Invoke and Are Bound

This section may be invoked by and against Company Parties, including members, managers, officers, employees, agents, contractors, licensors, service providers, successors, assigns, and affiliates. You agree that those persons and entities are intended beneficiaries of this section and may enforce it.

20.11 Fees

For consumer arbitrations, Company will pay arbitration fees above the consumer filing fee to the extent required by the AAA Consumer Arbitration Rules and applicable law. The arbitrator may award fees, costs, and sanctions where authorized by law, AAA rules, or these Terms.

20.12 Confidentiality

The arbitration proceeding, filings, evidence, hearing, settlement communications, and award are confidential to the extent permitted by law, except that a party may disclose them to enforce or challenge an award, comply with law, obtain legal, accounting, or insurance advice, report to regulators where legally protected, or as otherwise required by law.

20.13 Severability and Class-Waiver Blow-Up

If any part of this section other than the class-action waiver or class/consolidated-arbitration waiver is found unenforceable, that part will be severed and the rest of this section will remain in effect.

If the class-action waiver or class/consolidated-arbitration waiver is found unenforceable as to any claim or request for relief, then this entire arbitration section is void as to that claim or request for relief, and that claim or request for relief must proceed individually in court, not in class arbitration.

Under no circumstances may a dispute proceed in class arbitration, representative arbitration, collective arbitration, consolidated arbitration, or private-attorney-general arbitration unless Company gives express written consent after the dispute arises.

21. Governing Law and Forum

Tennessee law governs these Terms and the Services, excluding conflict-of-law principles, except that the Federal Arbitration Act governs the arbitration section.

For claims not subject to arbitration and not brought in small-claims court, the exclusive forum and venue are the state and federal courts located in Davidson County, Tennessee. You and Company Parties consent to personal jurisdiction there.

Nothing in this section waives or limits any non-waivable right under the Tennessee Consumer Protection Act or any other applicable consumer-protection law.

22. One-Year Limitation Period

To the maximum extent permitted by law, any claim arising from or relating to the Services, User Content, App Output, purchases, these Terms, or the Privacy Policy must be filed within one year after the claim arose. Claims filed after that period are permanently barred.

This limitation does not apply where a longer period is non-waivable by law.

23. Export, Sanctions, and Government Users

You must comply with U.S. export-control, sanctions, and denied-party laws. You represent that you are not prohibited from receiving the Services under U.S. law and will not use or export the Services or App Output in violation of law.

The App is "commercial computer software" and "commercial computer software documentation" under applicable FAR and DFARS provisions. Government users receive only the rights granted to all other users under these Terms.

24. General Terms

These Terms and the Privacy Policy are the entire agreement between you and Company regarding the Services and supersede prior or contemporaneous understandings.

No waiver is effective unless in writing and signed by Company. Failure to enforce a provision is not a waiver.

If any provision is unenforceable, it will be enforced to the maximum extent permitted, and the remaining provisions will remain in effect, subject to the class-waiver blow-up clause in the Dispute Resolution section.

Company may assign or transfer these Terms and any rights or obligations to an affiliate, successor, acquirer, purchaser, contractor, service provider, or in connection with a merger, acquisition, restructuring, sale of assets, change of control, or operation of law. You may not assign or transfer these Terms or your App license without Company's written consent.

Headings are for convenience only. The rule that ambiguities are construed against the drafter does not apply. English controls over translations.

Sections that by their nature should survive will survive termination, including intellectual-property, User Content, feedback, acceptable use, local-content and App-output risk, disclaimers, limitation of liability, indemnity, LLC/member protection, dispute resolution, governing law, claim deadline, and general provisions.

25. Contact

Myworkingmemory LLC

Nashville, Tennessee, United States

Email: dean@myworkingmemory.ai

Support: https://savings-five-legal.vercel.app/tandemnest-support.html

TandemNest Support ยท Myworkingmemory