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.
Effective Date: January 15, 2026
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.
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.
For questions about these Terms or the App, contact us at: Contact Us
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.
The App uses the following third-party services that collect anonymous, non-personally identifiable data:
This anonymous data does not include your HSA transaction information, receipts, or family member details. For more details, see our Privacy Policy.
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:
While we design the App to help you preserve HSA records for decades, you acknowledge that:
The App includes an on-device AI feature that attempts to extract transaction details from receipts. You acknowledge that:
Subscribers can enable CloudKit family sharing to collaborate with family members. You acknowledge that:
You agree to use the App only for lawful purposes and in accordance with these Terms. You will not:
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.
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.
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.
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.
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.
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.
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:
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.
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.
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:
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.
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.
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.
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.
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.