Effective Date: March 11, 2026 · Last Updated: March 11, 2026
These Terms of Service ("Terms") constitute a legally binding agreement between you and Day One Foundry LLC, doing business as Dual Income ("we," "us," or "our"), governing your use of the Dual Income mobile application (the "App") and related services (collectively, the "Service").
By creating an account, accessing, or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated by reference. If you do not agree to these Terms, do not use the Service.
You must meet the following requirements to use the Service:
By using the Service, you represent and warrant that you meet all eligibility requirements. If you do not meet these requirements, you may not use the Service.
To use the Service, you must create an account using Apple Sign In. You agree to:
The Service allows you to create or join a "household" with one other user (your partner). When you join a household:
By inviting a partner to your household or accepting an invitation, you consent to sharing your financial data with that partner through the Service.
Dual Income is a household wealth-tracking application that:
The Service provides a view of your financial data for informational purposes only. Specifically:
You should consult with qualified financial, legal, and tax professionals before making any financial decisions.
The Service uses Plaid to connect to your financial accounts. By using the Service and connecting your accounts:
Data accuracy disclaimer: Transaction amounts, categories, merchant names, account balances, and other financial data displayed in the App are provided by Plaid and your financial institutions. This data may be incomplete, delayed, or inaccurate. We do not independently verify the accuracy of financial data retrieved through Plaid. Always confirm your financial information directly with your financial institutions for critical decisions.
We may offer a free trial period for new users. The duration and terms of any free trial will be disclosed before you are charged. If you do not cancel before the free trial ends, your subscription will automatically convert to a paid subscription, and you will be charged the applicable subscription fee.
After any applicable free trial, continued access to the Service requires a paid subscription. Subscription plans and pricing are displayed in the App at the time of purchase.
All subscription payments are processed through Apple's In-App Purchase system. By subscribing, you agree to Apple's terms and conditions for In-App Purchases. Specifically:
All purchases are final. Refund requests must be directed to Apple, as Apple processes all subscription payments. We do not have the ability to issue refunds for In-App Purchases. Apple's refund policies apply.
A single subscription covers both partners in a household. The partner who subscribes is responsible for maintaining the subscription. If the subscribing partner leaves the household or cancels, the remaining partner will need to subscribe independently to continue accessing the Service.
The Service, including its design, features, code, content, trademarks, logos, and documentation, is owned by Day One Foundry LLC and is protected by copyright, trademark, and other intellectual property laws.
We grant you a limited, non-exclusive, non-transferable, revocable license to use the App for your personal, non-commercial use, subject to these Terms. You may not:
You agree not to:
We reserve the right to suspend or terminate your account if we reasonably believe you have violated these provisions.
THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY.
To the fullest extent permitted by applicable law, we disclaim all warranties, including but not limited to:
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:
Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities, so some of the above limitations may not apply to you. In such jurisdictions, our liability is limited to the maximum extent permitted by law.
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY TRIAL.
You and Day One Foundry LLC agree that any dispute, claim, or controversy arising out of or relating to these Terms, the Service, or the relationship between you and us (collectively, "Disputes") will be resolved exclusively through final and binding individual arbitration, rather than in court, except as set forth below.
Arbitration shall be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect, which are available at www.adr.org. The arbitration will be conducted by a single arbitrator. The arbitration shall take place in the State of California, or at another mutually agreed location, or may be conducted remotely (by phone, video, or based on written submissions) as agreed by the parties or determined by the arbitrator.
If you initiate arbitration, we will reimburse your filing fees up to the amount set forth in the AAA Consumer Arbitration Rules. Each party shall bear its own attorneys' fees and costs, unless the arbitrator determines that a claim or defense was frivolous, in which case the arbitrator may award reasonable attorneys' fees to the prevailing party.
Notwithstanding the above, either party may bring an individual action in small claims court for Disputes within the jurisdiction of such court, provided the claim remains in small claims court and is pursued on an individual basis.
YOU AND DAY ONE FOUNDRY LLC AGREE THAT EACH PARTY MAY BRING DISPUTES ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR OTHER REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims and may not preside over any form of representative or class proceeding. If this class action waiver is found to be unenforceable, then the entirety of this arbitration agreement shall be null and void, and the Dispute shall be decided by a court.
You have the right to opt out of this arbitration agreement. To opt out, you must send written notice of your decision to opt out to support@dualincome.money within 30 days of first accepting these Terms. Your notice must include your name, email address associated with your account, and a clear statement that you wish to opt out of arbitration. If you opt out, you may pursue Disputes in court, but all other provisions of these Terms remain in effect.
This arbitration agreement survives the termination of your account and these Terms.
You agree to indemnify, defend, and hold harmless Day One Foundry LLC, its officers, directors, members, employees, agents, and affiliates from and against any claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:
You may stop using the Service and delete your account at any time through the App's settings. Deleting your account will permanently remove your data as described in our Privacy Policy. You must separately cancel any active subscription through your Apple ID account settings to avoid continued billing.
We may suspend or terminate your access to the Service at any time, with or without notice, for any reason, including but not limited to:
Upon termination, your right to use the Service ceases immediately. Sections 5, 8, 10, 11, 12, 13, 15, and 17 shall survive termination.
These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of law principles. To the extent that any Dispute is not subject to arbitration, you agree to submit to the exclusive personal jurisdiction of the state and federal courts located in the State of California.
We reserve the right to modify these Terms at any time. When we make material changes, we will:
Your continued use of the Service after any changes to these Terms constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Service and delete your account.
These Terms, together with the Privacy Policy, constitute the entire agreement between you and Day One Foundry LLC regarding the Service and supersede all prior agreements, understandings, and representations.
If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the remaining provisions remain in full force and effect.
Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by an authorized representative of Day One Foundry LLC.
You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign our rights and obligations under these Terms without restriction.
We shall not be liable for any failure or delay in performing our obligations under these Terms due to circumstances beyond our reasonable control, including but not limited to natural disasters, acts of government, internet or telecommunications failures, power outages, or third-party service outages.
If you have questions about these Terms, please contact us at:
Day One Foundry LLC, dba Dual Income
Email: support@dualincome.money