Terms of Use — TrueSummit
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Terms of Use

Last updated: September 29, 2026

These Terms of Use (“Terms”) are an agreement between you and Summit Collective LLC, a Utah limited liability company that operates TrueSummit (“Summit Collective,” “we,” “us”), governing your use of the TrueSummit app and related services (the “App”). By downloading or using the App, you agree to these Terms. If you don’t agree, don’t use the App. Your use of the App is also subject to our Privacy Policy.

The App is a tool, not financial advice

TrueSummit is a personal budgeting and net-worth tracking tool. It does not provide financial, investment, tax, legal, or accounting advice, and nothing in the App is a recommendation to take any particular financial action. Forecasts, projections, debt-payoff plans, and insights are estimates based on the data you provide or connect, and may be inaccurate or incomplete. You are solely responsible for your financial decisions. Consult a qualified professional before making decisions that carry financial consequences.

AI insights. Some insights are generated automatically by artificial intelligence: on-device with Apple Intelligence on iPhone, and with Google’s Gemini on Android. AI-generated content can be wrong, incomplete, or misleading, even when it sounds confident. Check anything important against your own records before relying on it.

Your account and your data

You are responsible for keeping your account credentials and device secure, and for all activity under your account. You must provide accurate information and be at least 18 years old (or the age of majority where you live, if higher) to use the App. You retain ownership of the financial data you enter or connect; you grant us only the limited rights needed to operate features you use, such as cloud sync and household sharing, as described in our Privacy Policy.

Bank connections and third-party data

If you link a financial institution through Plaid, or import Apple Card, Apple Cash, and Savings activity through Apple’s FinanceKit, that data is provided by those third parties and their institutions. We don’t control its accuracy, availability, or timeliness, and connections may be interrupted or discontinued by those providers. Your use of Plaid is also subject to Plaid’s own terms.

We disconnect your linked banks at Plaid when you delete your account, and when your trial or subscription has ended and your banks haven’t synced for 30 days. You can reconnect a bank at any time from the App.

Household sharing

If you invite someone to your household, they can see all of the household’s synced data, including accounts, balances, transactions, budgets, and goals. Members can also edit and delete that data; viewers can only read it. Only invite people you trust with that information.

The household owner controls the shared data. If the owner deletes their account, the household and all of its data are permanently deleted for every member, and this cannot be undone. A member who deletes their account only leaves the household. If you rely on a shared household, keep your own export of the data (Settings → Privacy & Data, then Export All My Data on iPhone or Export All Data on Android).

Subscriptions and billing

Every new account gets a 30-day free trial of TrueSummit Pro. After that, continued use of the App requires an auto-renewable subscription to TrueSummit Pro or TrueSummit Premium. Premium has no separate free trial.

On iPhone (Apple App Store):

  • Payment is charged to your Apple Account at confirmation of purchase.
  • Subscriptions automatically renew for the same period unless auto-renew is turned off at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours before the period ends.
  • You can manage or cancel your subscription in your Apple Account settings; cancellation takes effect at the end of the current billing period.
  • Purchases and renewals are processed by Apple. Refunds are handled by Apple in accordance with its policies; we generally cannot issue refunds directly.

On Android (Google Play):

  • Payment is charged to your Google Play account at confirmation of purchase.
  • Subscriptions automatically renew for the same period until you cancel.
  • You can manage or cancel your subscription in the Google Play Store app under Payments & subscriptions; cancellation takes effect at the end of the current billing period.
  • Purchases and renewals are processed by Google. Refunds are handled by Google in accordance with Google Play’s policies; we generally cannot issue refunds directly.

On either platform, any unused portion of a free trial is forfeited when you purchase a subscription, and deleting the App does not cancel a subscription.

Prices may change; we will give notice where required, and any change applies only to future billing periods.

Acceptable use

You agree not to misuse the App. In particular, you will not: reverse engineer, decompile, or attempt to extract source code except as permitted by law; interfere with or disrupt the service or its security; access it through unauthorized means; resell or commercially redistribute it; or use it to violate any law or the rights of others.

Good-faith security research. If you believe you’ve found a security vulnerability, please report it to info@truesummitapp.com with “Security” in the subject line. We won’t pursue claims under these Terms against research done in good faith that tests only your own account and data, avoids accessing or changing other users’ data, avoids degrading the service, and gives us reasonable time to fix the issue before anything is disclosed publicly.

Availability and changes

We may add, change, suspend, or discontinue features at any time, and we may update the App. We aim to keep the service running but do not guarantee it will be uninterrupted or error-free.

Disclaimers

To the maximum extent permitted by law, the App is provided “as is” and “as available,” without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the App will meet your requirements or that calculations, forecasts, or synced data will be accurate or error-free.

Limitation of liability

To the maximum extent permitted by law, Summit Collective LLC and its members, managers, employees, and service providers will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of data, profits, or financial outcomes arising from your use of, or inability to use, the App. To the extent liability cannot be excluded, our total liability is limited to the amount you paid for the App in the twelve months before the event giving rise to the claim.

Termination

You may stop using the App at any time and delete it. We may suspend or terminate your access if you breach these Terms or use the App in a way that could harm us, other users, or third parties. Provisions that by their nature should survive termination (including disclaimers, limitation of liability, and the governing-law terms) will survive.

Apple App Store terms

The following applies to the version of the App obtained through the Apple App Store:

  • These Terms are between you and Summit Collective LLC only, not with Apple. Apple is not responsible for the App or its content.
  • Your license to use the App is a non-transferable license to use it on any Apple-branded device you own or control, as permitted by the App Store Terms of Service.
  • Apple has no obligation to provide maintenance or support for the App.
  • To the extent any warranty is not effectively disclaimed, Apple may refund the purchase price (if any); beyond that, Apple has no warranty obligation, and any claims relating to the App are our responsibility, not Apple’s.
  • Apple is not responsible for addressing product-liability claims, third-party intellectual-property claims, or claims that the App fails to conform to legal requirements.
  • Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

Electronic communications

You agree that we may send you notices, disclosures, and other communications electronically, by email to the address on your account or by notice in the App, and that these satisfy any legal requirement that a communication be in writing. This includes notices about security incidents affecting your data. Keep your account email current so these reach you.

Governing law

These Terms are governed by the laws of the United States and the State of Utah, without regard to conflict-of-laws rules, except where mandatory local consumer-protection law applies to you.

Changes to these Terms

We may update these Terms from time to time. Material changes will be reflected by the “Last updated” date above and, where appropriate, noted in the App. Continued use after changes take effect means you accept the revised Terms.

Contact us

Questions about these Terms? Email info@truesummitapp.com, or write to us at:

Summit Collective LLC
7533 S Center View Ct, Ste N
West Jordan, UT 84084
United States