Terms of Service - HSA Monster
Effective Date: September 17, 2026
1. Acceptance of Terms
By downloading, installing, or using the HSA Monster mobile application ("App"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the App.
2. About the App
HSA Monster is a Health Savings Account (HSA) expense tracking application ("we," "us," or "our") that helps users track HSA transactions, manage receipts, and maintain long-term health expense records. The App stores all data, including transaction records and receipt attachments, on your device using Core Data. If you enable iCloud sync, your data is also stored in your personal iCloud account using Apple's CloudKit technology for seamless syncing across your devices and secure family sharing.
3. Contact Information
4. License to Use
We grant you a limited, non-exclusive, non-transferable, revocable license to use the App for your personal, non-commercial purposes in accordance with these Terms and the Apple App Store Terms of Service.
5. Data Storage and Privacy
5.1 Your Personal Data
- Local Storage: All HSA transaction data, family member information, and receipt attachments you enter are stored on your device using Core Data. We do not store, access, or process your HSA data on our servers.
- iCloud Sync (Optional): If you enable iCloud sync, your HSA transaction data and receipt attachments are also stored in your personal iCloud account using Apple's CloudKit. This enables seamless syncing across your devices and secure family sharing (when enabled). You can disable iCloud sync at any time, and your data will remain only on your device.
- Receipt Attachments: Receipt images and PDFs you capture or upload are stored as part of your Core Data database, either locally on your device or in CloudKit (if iCloud sync is enabled). Receipts are securely attached to their associated transactions and sync across your devices when iCloud is enabled.
- Photos and Documents: Any receipts you capture with the camera or import from your photo library or files are accessed through Apple's standard APIs and stored in your Core Data database. We never have access to your photos, documents, or receipts.
- AI Processing: If you use the receipt scanning feature, text recognition and data extraction are performed on your device by default, using Apple's Vision and Natural Language frameworks (or Apple Foundation Models on supported devices). If you choose to enable Private Cloud Compute in Settings > Document Scanning, the receipt being scanned is sent to Apple's Private Cloud Compute service for processing and the result is returned to your device. No receipt data is sent to our servers or any third-party AI service under any setting.
- iCloud Terms: Your use of iCloud storage is subject to Apple's iCloud Terms and Conditions.
5.2 Anonymous Analytics and Third-Party Services
The App uses the following third-party services that collect anonymous, non-personally identifiable data:
- Firebase Analytics & Google Analytics: To understand app usage patterns and improve functionality
- Firebase Crashlytics: To identify and fix crashes
- Firebase Remote Config: To deliver app configuration updates
- RevenueCat: To manage in-app purchases and subscription status
This anonymous data does not include your HSA transaction information, receipts, or family member details. For more details, see our Privacy Policy.
6. In-App Purchases
6.1 Subscription Model
- HSA Monster operates on a subscription model with monthly and annual payment options
- All purchases are processed through the Apple App Store
- Payment will be charged to your Apple ID account at confirmation of purchase
- Subscriptions will auto-renew unless canceled at least 24 hours before the end of the current period
- You can manage or cancel subscriptions through your Apple ID account settings
- Monthly and annual subscriptions provide the same features; annual subscriptions offer a discounted rate
6.2 Free Tier
- New users can create a limited number of transactions to evaluate the App before subscribing
- The free tier allows you to test core features without payment information
- All data created during the free tier will remain accessible after subscribing
- After reaching the free tier limit, you must subscribe to continue creating new transactions
- If you do not subscribe after reaching the limit, you will retain view-only access to your existing data
6.3 Refunds
- All sales are final unless otherwise required by law
- Refund requests should be directed to Apple through the App Store, as all purchases are processed by Apple
- We do not have the ability to issue refunds directly
6.4 Subscription Status
- If your subscription is canceled or refunded, you will lose the ability to create new data
- You will retain view-only access to all existing data
- You can export all your data at any time, even without an active subscription
7. Receipt Management and Storage
7.1 Receipt Storage
Receipt files are stored as part of your Core Data database, either locally on your device or in CloudKit (if iCloud sync is enabled). You are responsible for:
- Ensuring your device has sufficient storage space for receipt attachments
- If using iCloud sync, ensuring your iCloud account has sufficient storage space
- Maintaining your iCloud account in good standing (if using iCloud sync)
- Understanding that deleting the App or disabling iCloud sync may affect access to your receipts
7.2 Long-Term Preservation
While we design the App to help you preserve HSA records for decades, you acknowledge that:
- Apple's iCloud service terms and availability may change over time
- You are responsible for regularly backing up your data and receipts
- We recommend using the export feature to create periodic backups of all data, including receipt attachments
- We are not liable for data loss due to iCloud service changes, account issues, device failures, or storage limitations
7.3 AI Receipt Extraction
The App includes an AI feature that attempts to extract transaction details from receipts, running on your device by default or through Apple's Private Cloud Compute if you enable that option. You acknowledge that:
- AI extraction is provided as a convenience and may not always be accurate
- You are responsible for reviewing and verifying all AI-extracted data before saving
- We are not liable for any errors in AI-extracted information
- AI processing occurs on your device by default; if you enable Private Cloud Compute, the receipt being scanned is processed by Apple's Private Cloud Compute service, which Apple states does not store your data or make it accessible to Apple
- No receipt data is transmitted to our servers under any setting
8. Family Sharing and CloudKit
Subscribers can enable CloudKit family sharing to collaborate with family members. You acknowledge that:
- Family sharing requires an active subscription
- Shared data is visible to all invited family members
- You are responsible for managing who has access to your shared data
- We are not responsible for unauthorized access resulting from your sharing choices
- Family sharing is subject to Apple's CloudKit terms and limitations
9. Acceptable Use
You agree to use the App only for lawful purposes and in accordance with these Terms. You will not:
- Use the App for any unlawful purpose or activity
- Attempt to reverse engineer, decompile, or disassemble the App
- Remove or alter any proprietary notices or labels on the App
- Use the App in any way that could damage, disable, or impair the App
- Attempt to gain unauthorized access to any portion of the App or its systems
- Share your subscription with others in violation of Apple's terms
10. Disclaimers
10.1 No Medical or Tax Advice
HSA Monster is an expense tracking tool only. We do not provide medical advice, tax advice, or professional financial services. The App does not analyze your HSA eligibility, determine what expenses qualify for HSA reimbursement, or provide tax guidance. Always consult qualified medical, tax, and financial professionals for advice specific to your situation.
10.2 HSA Eligibility
You are solely responsible for determining whether expenses are HSA-eligible under IRS rules and regulations. The App makes no representations about HSA eligibility of any expense. Consult a tax professional or refer to IRS Publication 502 for guidance on qualified medical expenses.
10.3 App Availability
We do not guarantee the App will be available at all times or free from errors, bugs, or other harmful components. The App is provided "as is" without warranties of any kind.
10.4 Data Accuracy
You are responsible for the accuracy of all data you enter into the App, including transaction amounts, dates, providers, and HSA eligibility determinations. We are not responsible for any decisions made based on data in the App or for any tax consequences resulting from inaccurate data.
10.5 No Warranty
The App is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
11. Limitation of Liability
To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, arising out of or in connection with the App, even if we have been advised of the possibility of such damages.
In no event shall our total liability to you for all damages exceed the amount you paid for the App in the twelve (12) months preceding the claim.
We are not liable for any tax penalties, interest, or other consequences resulting from inaccurate HSA record-keeping, missed reimbursements, or reliance on data stored in the App.
12. Data Backup and Loss
You are solely responsible for backing up your data. While the App stores data in iCloud CloudKit (if enabled), we are not responsible for any data loss, corruption, or inability to access your data. We strongly recommend:
- Regularly backing up your device through iTunes or Finder
- Maintaining your iCloud account in good standing with sufficient storage (if using iCloud sync)
- Using the App's export feature to create periodic backup archives of all data and receipts
- Keeping copies of important receipts outside of the App
- Being aware that receipts are stored in CloudKit and count toward your iCloud storage limit
13. Indemnification
You agree to indemnify and hold harmless the App developer and its affiliates from any claims, damages, losses, liabilities, and expenses (including reasonable attorney fees) arising from your use of the App, violation of these Terms, violation of any rights of another party, or any tax or legal consequences resulting from your use of the App.
14. Changes to Terms
We may update these Terms from time to time. When we do, we will post the updated Terms in the App and update the "Effective Date" at the top. Your continued use of the App after changes constitute acceptance of the new Terms. If you do not agree to the updated Terms, you should stop using the App. We encourage you to review these Terms periodically.
15. Termination
We reserve the right to suspend or terminate your access to the App at any time, with or without cause or notice, including if we believe you have violated these Terms. Upon termination, your license to use the App will immediately cease. You may also terminate your use of the App at any time by:
- Canceling your subscription through your Apple ID account settings
- Deleting the App from your device (this will delete local data)
- Requesting deletion of your CloudKit data through Apple's privacy controls (if you used iCloud sync)
- Exporting all your data before deletion using the App's export feature
16. Apple App Store Terms
Your use of the App is also subject to the Apple App Store Terms of Service. In case of conflict between these Terms and the App Store Terms, the App Store Terms will prevail regarding your relationship with Apple. You acknowledge that Apple has no obligation to provide maintenance or support for the App.
17. Governing Law
These Terms shall be governed by and construed in accordance with the laws of the State of Georgia, United States, without regard to its conflict of law provisions.
18. Severability
If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions will remain in full force and effect and will be construed to give maximum effect to the intent of these Terms.
19. Entire Agreement
These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the App and supersede all prior agreements and understandings, whether written or oral.
20. Contact
If you have any questions, concerns, or complaints about these Terms, please contact us. We will make reasonable efforts to respond to your inquiry promptly.