Terms of Service
MARY & PIP MOBILE APPLICATION
TERMS & CONDITIONS
for the Mary & Pip App
Effective date: September 29, 2026 | Version: 2026-09-29
These Terms & Conditions (this “Agreement”) explain the terms that apply when you use the Mary & Pip mobile application and related services (collectively, the “App”), provided by Pip Tech LLC and its affiliates (“Pip Tech,” “we,” “us,” or “our”). Please read them carefully. They include an arbitration agreement and a class-action waiver that affect how disputes between you and us are resolved. By using the App, you agree to this Agreement.
The short version
We know terms and conditions are long, so here is the plain-English version. Pip Tech LLC is the technology company behind the Mary & Pip App. We build the software and provide an ongoing financial planning service. We are not the people who give investment advice, hold your money, or execute your trades.
All investment advice, brokerage services, and account custody are provided by our regulated partners: Mary & Pip Investments, LLC (our registered investment adviser partner) and Alpaca Securities LLC (broker-dealer and custodian, member FINRA/SIPC). Mary & Pip Investments manages your investment account on a discretionary basis, which means it can buy and sell in your account without asking you first. Pip Tech itself does not give investment advice and does not hold your account.
Using the App requires a paid subscription, charged by ACH debit from a bank account you connect. There is a 10-day free trial. You can cancel any time in settings, and you can delete your account from inside the App.
The App does not use artificial intelligence to generate content or suggestions, and we do not use your data to train AI models.
This Agreement also covers the things you’d expect from any software agreement: acceptable use rules, intellectual property, limits on our liability, and how disputes get resolved (including an arbitration agreement you can opt out of within 30 days).
The rest of this Agreement covers the details, including your eligibility, what happens if a payment fails, what happens if you cancel, and how to reach us.
Table of Contents
1. Scope
2. Agreement to These Terms
3. Eligibility
4. What Pip Tech Provides
5. Identity Verification, Biometric Information, and Screening
6. Your Subscription
7. If a Payment Fails
8. Canceling, Pausing, and Refunds
9. Financial Services Provided by Others
10. How We Make Money
11. Your Account
12. Your Content
13. Intellectual Property
14. Acceptable Use
15. Third-Party Services
16. Privacy & Data
17. Electronic Communications and E-SIGN Consent
18. Deleting Your Account
19. Accuracy of Information
20. Disclaimers
21. Limitation of Liability
22. Indemnification
23. Dispute Resolution
24. Suspension and Termination
25. Apple App Store Terms
26. General Provisions
27. Contact Us
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1. Scope
1.1 The App
This Agreement applies to your access and use of the App provided by Pip Tech. Pip Tech LLC is the technology company that develops, operates, and maintains the App. By accessing or using the App, you are entering into a legal agreement with Pip Tech for access to the App’s software and technology services and for the ongoing financial planning service described in Section 4.
1.2 Who provides the financial services
Pip Tech LLC is a technology company. It is not a bank, broker-dealer, investment adviser, or custodian, and it is not registered as any of those. Any investment accounts, brokerage services, cash management features, or financial transactions available through the App are provided by separate regulated entities:
Mary & Pip Investments, LLC (“Mary & Pip Investments”) — a registered investment adviser. It provides investment advisory services, including discretionary management of your investment account.
Alpaca Securities LLC (“Alpaca”) — a registered broker-dealer and member FINRA/SIPC. It carries your brokerage account, holds your securities and cash, and executes trades. SIPC protects securities customers of its members up to applicable limits. SIPC does not protect against market losses.
Program banks — where cash swept through the High-Yield Cash feature is held. See Section 9.3.
Your use of those financial services is governed by separate agreements you enter into directly with those entities. This Agreement governs only your relationship with Pip Tech.
This Agreement does not replace, amend, or override any agreement you have with Mary & Pip Investments, Alpaca, or any other financial services provider. Where this Agreement and one of those agreements conflict on a matter within that provider’s scope, that agreement controls.
2. Agreement to These Terms
2.1 Acceptance
This Agreement is a legally binding contract between you (“User,” “you,” or “your”) and Pip Tech LLC, a limited liability company organized in the State of Delaware, United States, with its principal office at 447 Broadway #223, New York, NY 10006.
By downloading, installing, creating an account on, or otherwise accessing the App, you confirm that you have read, understood, and agree to be bound by this Agreement. If you do not agree, you must not use the App.
2.2 Changes to this Agreement
We may update this Agreement from time to time in our sole discretion. If a change is material, we will notify you by in-app notification or email before it takes effect and will ask you to accept the revised Agreement. Non-material changes take effect when posted. Continued use of the App after a revision takes effect constitutes acceptance of it. The version and effective date of the Agreement in force are shown at the top of this document and in the App under Settings.
2.3 Records of your acceptance
We keep a record of each version of this Agreement and the Privacy Policy you accept, together with the date and time of acceptance, the version identifier, and the IP address and device information from which acceptance was given. We retain these records after your account closes, for the reasons described in Section 18.4.
3. Eligibility
3.1 Requirements
To create an account and use the App, you must:
Be at least 18 years of age.
Be a legal resident or citizen of the United States.
Have a valid U.S. taxpayer identification number.
Have the legal capacity to enter into a binding contract.
Not be prohibited by any applicable law from accessing or using the App.
Not appear on any U.S. government list of sanctioned, blocked, or prohibited parties.
Provide accurate, complete, and current registration information.
3.2 One account per person
You may hold only one Mary & Pip account. Accounts are personal to you and may not be opened on behalf of another person or entity.
3.3 Verification and refusal
We, Mary & Pip Investments, or Alpaca may require you to verify or re-verify your identity at any time. We may refuse to open an account, or may suspend or close an existing one, if verification or screening is unsuccessful, if information you provide cannot be confirmed, or where required by applicable law. See Sections 5 and 24.3.
3.4 United States only
The App is available only to users located in the United States. If you access the App from outside the United States, you do so at your own risk and are solely responsible for compliance with applicable local laws. Certain features may be unavailable in some states or U.S. territories.
3.5 Minors
The App is not directed to, and may not be used by, anyone under 18 years of age. We do not knowingly collect personal information from anyone under 18. If we learn that we have collected personal information from anyone age 16 or under, we will delete it promptly. If you believe a minor has provided us with personal information, please contact us at support@maryandpip.com.
4. What Pip Tech Provides
Pip Tech provides the software infrastructure, user interface, and ongoing financial planning service that make up the Mary & Pip App. This includes:
4.1 Application software
The mobile application, navigation shell, user interface design, and all technology that powers your experience on the App.
4.2 Financial planning and budgeting features
The App includes planning and budgeting tools that analyze your income patterns and stated preferences to help you understand your spending and to suggest how to allocate funds across saving and investing categories. These are software tools and a planning service. They are not personalized investment advice, and Pip Tech is not acting as your investment adviser by providing them. Any financial transaction you initiate based on them is executed through Mary & Pip Investments and Alpaca.
4.3 Connected accounts and spend insights
With your permission, the App connects to your outside bank, credit card, loan, and investment accounts through Plaid Technologies, Inc. (“Plaid”) in order to display balances, transactions, spending insights, and net worth. You enter your bank credentials directly with Plaid; Pip Tech does not receive or store them. You must separately consent to Plaid’s End User Privacy Policy.
Transaction categories shown in the App are supplied by Plaid and generated by Plaid’s own systems. They are frequently approximate and may be wrong. You can correct a category, rename a transaction, split it, or exclude it, and we will use your correction going forward.
Plaid is used for more than spending data. Depending on the features you use, Plaid also provides identity verification, watchlist and sanctions screening, bank account ownership verification, liability and balance information, and the ACH network access used to debit your subscription fee. See Sections 5, 6.5, and 15.
4.4 Communication preferences and notifications
The App provides in-app notifications, push alerts, reminders, and a communication style setting that lets you choose the tone of the messages you receive. The available styles are gentle, funny, sassy, and encouraging. These messages are written in advance by our team; they are not generated automatically and they do not constitute financial advice or guidance.
You control which notification categories you receive, and the day and time of recurring reminders, in Settings. Push notifications also require permission at the operating-system level, which you can withdraw at any time. If you turn off optional notifications, we will still send you necessary service and transactional messages — for example, a notice that a payment failed.
4.5 Learn content
The App includes educational articles, videos, flip-books, and other material (“Learn Content”). Learn Content is general information for educational purposes only. It is not investment, financial, tax, or legal advice, is not tailored to your circumstances, and is not a recommendation or an offer to buy or sell any security. Some Learn Content is licensed from or produced with third parties.
4.6 Documents
The App displays and delivers account statements, trade confirmations, tax forms, and disclosure documents produced by Mary & Pip Investments and Alpaca. See Section 17 for how electronic delivery works and your right to receive paper copies.
4.7 No artificial intelligence
The App does not use artificial intelligence or machine learning to generate content, insights, suggestions, or messages. We do not use your personal information, account data, or anything you write in the App to train artificial intelligence or machine learning models, and we do not provide it to any third party for that purpose.
4.8 App availability and updates
Pip Tech will use commercially reasonable efforts to maintain App availability. However, we do not guarantee uninterrupted access. The App may be unavailable due to maintenance, updates, technical issues, or circumstances beyond our control.
The App is currently available exclusively through the Apple App Store for iOS devices and is not currently available on Google Play or other Android app marketplaces. App availability on additional distribution channels may change at Pip Tech’s discretion.
We may deliver updates to the App automatically, including over-the-air updates that apply without a new download from the App Store. We may add, change, or remove features in our sole discretion.
4.9 Accessibility
Pip Tech is committed to making the App usable by the widest possible audience. We aim to design and develop the App consistent with generally recognized accessibility guidelines, such as the Web Content Accessibility Guidelines (WCAG) 2.1, Level AA, to the extent applicable to a native mobile application. If you experience difficulty accessing any part of the App, please contact us at support@maryandpip.com and we will work with you to provide the information or functionality you need.
5. Identity Verification, Biometric Information, and Screening
5.1 Why verification is required
Federal law requires financial institutions to verify the identity of every person who opens an account. To open an investment or cash account through the App, you must complete identity verification. Verification is performed by Plaid on behalf of Alpaca and Mary & Pip Investments.
5.2 What is collected
Identity verification may involve collecting:
Your full legal name, date of birth, address, and Social Security or taxpayer identification number.
An image of a government-issued identity document.
A photograph or short video of your face, taken with your device camera, and a scan of your face geometry derived from it, used to confirm that you are the person shown on the identity document.
5.3 Biometric information
A scan of face geometry is biometric information under the laws of some states. We use Plaid’s identity verification service to verify your identity in the App, which may be subject to Plaid’s Biometric Policy and Release available at https://plaid.com/legal/#biometric-policy-and-release. We will ask for your separate, specific consent before any biometric information is collected, and we record the wording you were shown, the date and time, and the IP address and device from which consent was given. You are not required to provide biometric information, but without it we cannot verify your identity and you cannot open a financial account.
5.4 Retention and destruction of biometric information
Pip Tech does not receive or store your face scan. The image and the face geometry derived from it are collected and held by Plaid as part of the verification process, as described above and in Plaid’s Biometric Policy and Release and other applicable privacy policies.
Pip Tech retains only the record that you consented — the wording you agreed to and the time you agreed to it — together with the outcome of verification. We retain the consent record for the period described in Section 16.3 in order to comply with law and to establish or defend legal claims.
We do not sell, lease, trade, or otherwise profit from biometric information, and we do not disclose it except to the service providers described above, as you consent, or as required by law or valid legal process.
5.5 Sanctions and watchlist screening
We and our partners screen users against government watchlists, sanctions lists, and politically-exposed-person databases, both when you apply and on an ongoing basis afterwards. If a screening result requires review, your account may be delayed, restricted, or refused. In some cases we are legally prohibited from telling you the reason.
5.6 Additional information we may require
Depending on your circumstances and applicable regulation, you may be asked to provide additional information, including:
Employment status, employer name and address, occupation, annual income, and liquid net worth — required to assess suitability under the Investment Advisers Act.
Whether you or an immediate family member is associated with a broker-dealer, is a control person or director of a publicly traded company, or holds a securities license, together with firm name and CRD number and, where applicable, a written authorization letter — required by FINRA Rules 3210 and 3241 and related rules.
Details of any relationship you have with a senior foreign or domestic political figure — required for enhanced due diligence under the Bank Secrecy Act and anti-money-laundering rules.
This information is collected on behalf of, and shared with, Mary & Pip Investments and Alpaca for the regulatory purposes described. Providing false or misleading information is a breach of this Agreement and may be a criminal offence.
6. Your Subscription
6.1 Subscription required
Access to the App requires a paid subscription. Current pricing is disclosed in the App before you subscribe.
6.2 Free trial
New subscribers receive a 10-day free trial. The trial is offered once per person. If you cancel and later restart your subscription, you will not receive another trial and you will be charged immediately when you restart.
Your trial converts to a paid subscription automatically at the end of the trial period unless you cancel before then. The date of your first charge and the amount are shown in the App before you start the trial, and you can see them at any time under Settings.
6.3 Plans and pricing
Subscriptions are offered on a monthly or annual basis. All fees are stated and charged in U.S. dollars. Your subscription renews automatically at the end of each billing period until you cancel.
6.4 Your rate is locked
The rate you subscribe at is locked for as long as your subscription remains continuously active. If we change our published prices, the change applies to new subscribers only — it does not affect you.
Your locked rate ends, and you return to the then-current published price, if:
You cancel your subscription and later restart it; or
Your subscription is canceled because a payment failed and was not corrected, as described in Section 7.
We may change our published prices at any time. We will give at least 30 days’ notice before any price change that would affect you.
6.5 Authorization to debit your bank account
Subscription fees are collected by ACH debit from a bank account you designate in the App. Before your first charge, you authorize Pip Tech to debit that account for the subscription amount, including any applicable taxes, on a recurring basis until you cancel. The amount changes only at a renewal — if you change plans, or if your price changes under Section 6.4.
We display the full terms of the authorization on screen before you agree to it, and we keep a copy of the exact wording you agreed to, together with the date, time, IP address, and device information. You may request a copy of your authorization at any time.
If a debit is returned by your bank, Section 7 applies. We do not currently charge a fee for a returned payment, and we will give you notice before introducing one.
6.6 Revoking your authorization
You may revoke your ACH authorization at any time by canceling your subscription in the App, or by contacting us at support@maryandpip.com with enough notice for us to act on it before the next scheduled debit. Revoking your authorization ends your subscription. You may also have rights to stop payment or dispute an unauthorized debit through your bank under Regulation E.
6.7 Promotional codes
We may offer promotional codes that reduce your price, give you free months, or cover you until a stated date. Promotional codes are personal to you, are not transferable, have no cash value, are limited to one per account, and may expire or be withdrawn. Where a code applies to your subscription, the price shown in the App is the price you pay.
IF YOUR SUBSCRIPTION ENDS FOR ANY REASON — INCLUDING BECAUSE YOU CANCELLED, OR BECAUSE A PAYMENT FAILED AND WAS NOT CORRECTED — ANY PROMOTIONAL CODE APPLIED TO IT IS RELEASED PERMANENTLY. IT WILL NOT BE REAPPLIED IF YOU SUBSCRIBE AGAIN, AND YOU WILL BE CHARGED THE THEN-CURRENT PUBLISHED PRICE.
6.8 Taxes
Prices shown are exclusive of any applicable sales, use, or similar taxes, which we will add where required. You are responsible for any taxes arising from your investment or savings activity; see Section 9.
6.9 What your subscription does not cover
Subscription fees paid to Pip Tech are separate from, and do not include, any fees charged by Mary & Pip Investments, Alpaca, or any other financial services provider. Those fees are governed by your agreements with those entities and are described in Section 9.4 and in Mary & Pip Investments’ Form ADV Part 2A.
7. If a Payment Fails
If a scheduled debit is returned or cannot be collected, the following happens. We set it out in full because the consequences are significant.
7.1 We will try again
We will attempt the debit up to three more times, approximately once every 24 hours, and we will notify you by email and push notification each time, telling you how many attempts remain. You can retry manually or change your bank account in the App at any point; either restarts the process.
7.2 Your access will be limited
Once the period you have paid for has ended and payment has not succeeded, your access to the App is limited:
If you hold an investment or cash account with Alpaca through the App, you enter restricted mode. You keep access to those accounts and to your money, and you can still transfer, withdraw, and close them. Subscription features — budgets, spend insights, rituals, and planning tools — are unavailable until payment succeeds.
If you do not hold such an account, access to the App is suspended until payment succeeds.
We will never withhold access to money held in your name at Alpaca because of an unpaid subscription.
7.3 Cancellation after 30 days
If 30 days pass from our last attempt without a successful payment, your subscription is canceled.
7.4 What you lose when that happens
Cancellation for non-payment has the same effect as canceling yourself. In particular, your locked rate under Section 6.4 and any promotional code under Section 6.7 are released permanently. If you subscribe again afterwards, you will pay the then-current published price.
7.5 Connected accounts are disconnected and their data deleted
After a canceled subscription’s paid period has ended, we disconnect the outside accounts you linked through Plaid and delete the data we held for them — including account records, transaction history, and any categories, names, splits, or emoji you had customized. This cannot be undone. Reconnecting later will retrieve transaction history again from your bank, but your customizations will be gone.
Two kinds of connection are kept:
A bank account currently funding an Alpaca account, so transfers keep working.
An account named on either side of a past transfer, so the record of where money moved remains complete.
THIS SECTION CONSTITUTES YOUR SOLE NOTICE THAT THIS WILL HAPPEN. WE WILL NOT SEND A SEPARATE WARNING BEFORE DISCONNECTING YOUR ACCOUNTS OR DELETING THIS DATA. IF YOU WANT TO KEEP YOUR TRANSACTION HISTORY OR ANY OTHER INFORMATION IN THE APP, EXPORT OR SAVE IT BEFORE YOUR SUBSCRIPTION ENDS.
8. Canceling, Pausing, and Refunds
8.1 Canceling
You may cancel your subscription at any time in the App, under Settings. Cancellation takes no more steps than signing up did and does not require you to contact us. If you prefer, you may also cancel by emailing support@maryandpip.com.
Cancellation takes effect at the end of your current billing period. You keep access until then, and you may reverse a cancellation before it takes effect.
8.2 Pausing
If your subscription is active and not in a free trial, you may pause it for one month instead of canceling. A pause begins at the end of the period you have already paid for and extends your renewal date by one month. You can resume early at any time, which charges you immediately and starts a new period.
8.3 Refunds
Subscription fees are non-refundable, and we do not prorate a partial billing period. If you cancel an annual subscription part-way through its term, you keep full access for the remainder of the term you have paid for, and no refund is issued for the unused months.
Nothing in this Section limits any refund or cancellation right you have under applicable law, including state automatic-renewal statutes.
8.4 Restarting
You may restart a canceled subscription in the App once your paid period has ended. Restarting charges you immediately, at the then-current published price, with no free trial. See Sections 6.2, 6.4, and 6.7.
8.5 Canceling does not close your financial accounts
Canceling your Pip Tech subscription does not close your Mary & Pip Investments or Alpaca accounts, and does not move or return your money. To close a financial account, see Section 9.6.
9. Financial Services Provided by Others
This Section describes services provided through the App by Mary & Pip Investments and Alpaca. It is a summary for your convenience. Your rights and obligations in relation to those services are set out in your agreements with those entities, which control.
9.1 Investment advisory services and discretionary authority
If you open an investment account, you enter into an agreement with Mary & Pip Investments, a registered investment adviser, and you acknowledge its Form ADV Part 2A, Part 2B, and Form CRS. Those documents describe its services, fees, and conflicts of interest, and are presented to you in the App before you agree.
YOU GRANT MARY & PIP INVESTMENTS DISCRETIONARY AUTHORITY OVER YOUR INVESTMENT ACCOUNT. THIS MEANS IT MAY BUY AND SELL SECURITIES IN YOUR ACCOUNT WITHOUT ASKING YOU FIRST, AND WITHOUT NOTIFYING YOU BEFORE EACH TRANSACTION.
Your portfolio is selected based on a risk questionnaire you complete in the App. Your portfolio is monitored and may be rebalanced automatically when its holdings drift from their targets. Rebalancing involves buying and selling securities and may create taxable gains or losses.
9.2 Brokerage and custody
Your brokerage account is carried by Alpaca Securities LLC, member FINRA/SIPC, which holds your cash and securities and executes trades. When you open an account, you agree to Alpaca’s Customer Agreement, Account Agreement, and Margin Agreement, and you separately consent to electronic delivery and to signing electronically.
Your account is margin-enabled at the custodian because the Margin Agreement is part of the standard account-opening package. The App does not use margin: it does not borrow against your account, buy on margin, or sell short, and your portfolio is managed long-only. If that ever changes, we will tell you before it does.
SIPC protects securities customers of its members up to applicable limits, including a limit on claims for cash. SIPC does not protect against a decline in the value of your investments.
9.3 High-Yield Cash
The High-Yield Cash feature sweeps uninvested cash from your Alpaca account into deposit accounts at one or more program banks, where it earns interest.
The rate is variable. It is set by the program and can change at any time without notice. Any rate shown in the App is the rate most recently reported to us and is not a guarantee.
Cash held at a program bank is eligible for FDIC insurance, subject to applicable limits and to the conditions for pass-through coverage being met. FDIC insurance protects against the failure of a bank. It is a different protection from SIPC and does not protect against investment loss.
Enrollment requires a current version of Alpaca’s Customer Agreement. If yours is out of date, you will be asked to re-sign before you can enroll.
Mary & Pip Investments receives a portion of the interest earned on swept cash. See Section 10.
9.4 Advisory fees and how they are collected
Mary & Pip Investments charges an advisory fee, calculated on the average daily balance of your account over the billing period at the rate disclosed in its Form ADV Part 2A and your advisory agreement. The fee is deducted from your account.
If your account does not hold enough cash to cover the fee, securities in your account may be sold to raise it. A sale made for this purpose may create a taxable gain or loss, and proceeds take time to settle before the fee can be collected.
9.5 Recurring investments and scheduled transfers
You may schedule recurring investments that transfer money from your bank account and invest it on a weekly, fortnightly, or monthly basis. You authorize each schedule when you create it, and you may pause or cancel it at any time in the App.
Scheduled transfers may be delayed, returned, or fail — for example, if funds are insufficient, a bank connection needs reauthorizing, or markets are closed. Market prices move between the time a transfer is initiated and the time the money is invested, and the price you receive may differ from the price shown when you set the schedule up.
9.6 Closing a financial account
You may initiate closure of an investment or cash account in the App. Closing an account requires selling your holdings and transferring the proceeds out before the account can be closed, so it is not immediate — it waits on trade settlement and on the transfer clearing.
SELLING INVESTMENTS AND WITHDRAWING FUNDS MAY HAVE TAX CONSEQUENCES. WITHDRAWING FROM A RETIREMENT ACCOUNT BEFORE THE APPLICABLE AGE MAY ALSO TRIGGER INCOME TAX AND AN EARLY-WITHDRAWAL PENALTY. WE DO NOT PROVIDE TAX ADVICE. CONSULT A QUALIFIED TAX PROFESSIONAL BEFORE CLOSING AN ACCOUNT.
You may also transfer your account to another firm instead of closing it, using an ACAT transfer initiated in the App.
9.7 Beneficiaries, death, and incapacity
You may designate beneficiaries for your investment accounts in the App. A designation takes effect under the custodian’s rules, not under this Agreement. On notice of your death or incapacity, we may suspend access to the App. Your legal representative should contact Mary & Pip Investments to deal with the accounts themselves.
10. How We Make Money
We think you should know how we are paid. There are three sources:
Subscription fees paid to Pip Tech for the App and the financial planning service, as described in Section 6.
Advisory fees paid to Mary & Pip Investments on the assets it manages, as described in Section 9.4.
A share of the interest earned on cash swept to program banks through the High-Yield Cash feature, received by Mary & Pip Investments, as described in Section 9.3.
The second and third of these mean we earn more when you hold more money with us. You should take that into account when considering any feature that encourages you to invest or to hold a cash balance. Mary & Pip Investments’ conflicts of interest are described more fully in its Form ADV Part 2A.
11. Your Account
11.1 Your credentials
You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under them. Notify us immediately at support@maryandpip.com if you suspect unauthorized access.
11.2 No sharing and no third-party access
Each account is for your individual use only. You may not share your account or credentials with anyone, and you may not authorize any third party — including account aggregators, financial tools, or advisers — to access the App using your credentials. We may suspend or terminate accounts showing signs of sharing or suspicious activity.
11.3 Keeping your information current
You represent that the information you provide is accurate and current, and you agree to keep it updated. Keeping your contact details current matters particularly: your mobile number is how we reach you about your account, and if you have given us an email address it is how we deliver account statements, trade confirmations, and tax documents. See Section 17.
11.4 Automatic sign-out
For your protection, the App signs you out automatically after a period of inactivity. Any biometric or passcode unlock offered by your device is a feature of the device, not a control over your account.
12. Your Content
12.1 What this covers
“Your Content” means anything you create, upload, or enter in the App — including profile and category photographs, journal and gratitude entries, custom category names and emoji, transaction names and notes, savings goal names, manually added account details, and content requests.
12.2 The license you give us
You keep all rights in Your Content. You grant Pip Tech a non-exclusive, royalty-free license to host, store, reproduce, and display Your Content solely in order to operate and provide the App to you. This license exists only for that purpose and ends when Your Content is deleted, except where we must retain it under Section 18.4.
12.3 Your representations
You represent that you own or have the rights to Your Content, and that it does not infringe anyone else’s rights or violate any law.
12.4 What we do not do with it
We do not sell Your Content, use it for advertising, disclose it to advertisers, or use it to train artificial intelligence or machine learning models. Journal and gratitude entries are not analyzed for any purpose beyond showing them back to you.
12.5 Feedback
If you send us feedback, suggestions, bug reports, or ideas, we may use them without restriction and without any obligation to compensate or credit you. If you take part in a beta or pre-release program, features may change or be withdrawn, are provided without warranty, and may involve recorded sessions or interviews — we will tell you when that is the case and ask for your consent.
13. Intellectual Property
The App and all of its components, including the Mary & Pip software, user interface designs, brand assets, trademarks, content, and all underlying technology, are the proprietary property of Pip Tech LLC or its licensors, and are protected by applicable intellectual property laws.
You are granted a limited, personal, non-exclusive, non-transferable, revocable license to access and use the App, including any updates we provide, solely for your personal, non-commercial purposes in accordance with this Agreement. No other rights are granted.
You may not:
Copy, reproduce, distribute, or create derivative works from any part of the App.
Reverse engineer, decompile, or attempt to extract the source code of the App.
Remove or alter any proprietary notices or labels on the App.
Use any Pip Tech or Mary & Pip trademark, brand name, or logo without our express written permission.
14. Acceptable Use
You agree to use the App only for its intended purpose and in compliance with all applicable laws. You agree not to:
Provide false, misleading, or fraudulent information.
Attempt to gain unauthorized access to any part of the App or other users’ accounts.
Circumvent, disable, or attempt to bypass any subscription, paywall, or access control.
Use automated tools, bots, or scripts to access or interact with the App.
Scrape, harvest, or systematically extract market data, Learn Content, or any other content from the App.
Upload or transmit malware, viruses, or any harmful code.
Conduct security testing, penetration testing, or vulnerability scanning without our prior written permission.
Interfere with or disrupt the integrity or performance of the App.
Use the App to launder money, finance terrorism, evade sanctions, or commit or facilitate any crime.
Resell, sublicense, or provide the App to any third party as a service.
Use the App in any way that violates applicable federal or state laws.
Harvest, collect, or compile data about other users without their consent.
15. Third-Party Services
The App relies on third-party services to deliver its features. Pip Tech is not responsible for the acts or omissions of these third parties. Your use of any third-party service accessed through the App is subject to that service’s own terms and privacy policy.
The principal third parties we use, and what each does, are:
Plaid Technologies, Inc. — bank account connectivity, transaction data, identity verification, watchlist screening, and ACH payment processing.
Alpaca Securities LLC — brokerage, custody, trade execution, and account documents.
Mary & Pip Investments, LLC — investment advisory services.
Clerk — account authentication and identity management.
Apple Inc. — iOS App Store distribution and push notification delivery.
Amazon Web Services — cloud infrastructure and data hosting.
Expo / EAS — application builds, over-the-air updates, and push notification infrastructure.
Sentry — error and crash reporting.
Postmark — transactional email delivery, including documents and billing notices.
Sanity — content management for Learn Content.
Mux — video hosting and streaming for Learn Content.
Financial services within the App, including brokerage accounts, advisory services, and cash management, are provided by Mary & Pip Investments, Alpaca, and their partners. These are not Pip Tech services, and Pip Tech is not a party to your financial services agreements with those entities.
16. Privacy & Data
16.1 Privacy Policy
Your use of the App is subject to Pip Tech’s Privacy Policy, available at maryandpip.com/privacy-policy and in the App under Settings, and incorporated by reference into this Agreement.
16.2 What we collect
We collect and process the data necessary to operate the App, including registration and identity data, the financial account data you connect, device and usage data, and anything you enter in the App. Usage analytics are collected by us directly and are associated with your account rather than anonymized. We do not embed third-party advertising or attribution software in the App.
Financial data obtained through Plaid, and data held in your accounts at Alpaca and Mary & Pip Investments, is also governed by those entities’ own privacy policies.
16.3 Data security
Pip Tech maintains reasonable administrative, technical, and physical safeguards designed to protect the confidentiality, integrity, and availability of your information. These include encryption of data in transit and at rest, encryption of stored third-party access credentials, multi-factor authentication for employee and administrative access, automatic sign-out after inactivity, automated redaction of sensitive data from error and diagnostic reports, role-based access controls, logging and monitoring, and periodic security testing. Our security practices are aligned with SOC 2 Type I control objectives. No method of transmission or storage is completely secure, and we cannot guarantee absolute security. Thus, all use of the App and transmission of information is at your own risk.
16.4 Data retention
We keep your information for as long as your account is open and, afterwards, for the periods described in Section 18.4. Records we are required to retain are deleted or de-identified once the applicable retention period expires.
16.5 Data safeguarding agreement with Mary & Pip Investments
Pip Tech maintains a written agreement with Mary & Pip Investments governing the safeguarding of nonpublic personal information that Pip Tech may access or process on Mary & Pip Investments’ behalf, consistent with the safeguarding requirements of the Gramm-Leach-Bliley Act and SEC Regulation S-P.
16.6 State privacy rights
Depending on your state of residence, you may have rights regarding your personal information, including rights to access, correct, delete, or obtain a copy of it, and to opt out of certain uses such as targeted advertising or the “sale” or “sharing” of personal information, as those terms are defined under applicable law. Some categories of information we collect — including Social Security number, financial account information, and biometric information — are treated as sensitive personal information under some state laws. These rights, and how to exercise them, are described in our Privacy Policy.
16.7 We do not sell your personal data
We do not sell your personal information for money, and we do not embed third-party advertising or attribution software in the App. Some state privacy laws treat certain advertising activities as a “sale” or “sharing” of personal information; our Privacy Policy explains your choices.
17. Electronic Communications and E-SIGN Consent
This Section is your consent to receive records and disclosures electronically under the federal Electronic Signatures in Global and National Commerce Act (E-SIGN) and comparable state laws.
17.1 Your consent
By creating an account, you consent to receive communications, records, and disclosures from Pip Tech electronically — by email, in-app message, or push notification — rather than on paper. You agree that electronic records satisfy any legal requirement that a communication be in writing.
17.2 What we deliver electronically
This Agreement, the Privacy Policy, and any changes to them.
Subscription confirmations, renewal reminders, receipts, and payment notices.
Account statements, trade confirmations, and tax documents produced by Alpaca.
Disclosure documents produced by Mary & Pip Investments, including Form ADV Part 2A, Part 2B, and Form CRS.
Service notices, security notices, and legal notices.
17.3 What you need to access them
To receive and retain these records you need: a device running a supported version of iOS with the current version of the App installed; a mobile number capable of receiving text messages, and — where you have given us one — a valid email address; internet access; sufficient storage or a printer to save or print records; and software capable of reading PDF files. If our requirements change in a way that creates a material risk that you cannot access records, we will notify you and give you the right to withdraw your consent without charge.
17.4 Requesting paper copies
You may request a paper copy of any record we have delivered electronically by contacting us at support@maryandpip.com. We do not currently charge for paper copies. Requests for statements, confirmations, and tax documents may need to be directed to Alpaca, and we will tell you how.
17.5 Withdrawing your consent
You may withdraw your consent to electronic delivery at any time by contacting us at support@maryandpip.com. Withdrawal takes effect once we have had a reasonable opportunity to act on it. Because the App delivers records electronically as a matter of course, withdrawing consent may mean you can no longer use the App or maintain accounts through it, and may require you to close your accounts. There is no charge for withdrawing consent.
17.6 Keeping your contact details current
You must keep your mobile number, and any email address you have given us, current, and update them in the App when they change. Records sent to the number or address on file are treated as delivered.
17.7 Marketing communications
We may send you product news, feature announcements, and other marketing messages. You can opt out at any time using the unsubscribe link in any marketing email or in the App under Settings. Opting out of marketing does not stop service, transactional, or legally required communications.
18. Deleting Your Account
18.1 How to delete your account
You may delete your Mary & Pip account from inside the App, under Settings. Deletion is permanent and cannot be undone.
18.2 What must be finished first
You cannot delete your account while any of the following is outstanding. The App will tell you which applies and link you to the relevant step:
You hold an open investment or cash account at Alpaca. Close it first — see Section 9.6.
An account closure is already in progress.
A transfer of money is in flight.
An ACAT transfer to or from another firm is in progress.
An advisory fee is calculated but not yet settled.
A subscription charge is pending.
18.3 What is deleted
When you delete your account, we cancel your subscription, revoke our access to every bank connection you have made, delete your sign-in identity, and permanently delete the personal data we hold that we are not required to keep. That includes your analytics and usage history, journal and gratitude entries, savings goals, budgets, custom categories and emoji, transaction renames and splits, notification preferences, reminders, and derived figures such as net worth snapshots.
18.4 What we keep, for how long, and why
Some records cannot be deleted when you ask. We keep only what we are required or legally entitled to keep, and only for as long as that applies. Retained records are deleted automatically by a scheduled process once their retention period has run. This is our full retention schedule:
What we keep
Retention period
When the clock starts
Books and records — account records, transfers, ACAT transfers, advisory fees, statements, tax documents, identity verification records, FINRA disclosures, beneficiaries, and your investor profile. Required under SEC Rules 204-2 and 17a-4, FINRA Rule 4511, and anti-money-laundering rules.
7 years
When your Alpaca account closes
Payment records — subscriptions, ACH authorizations, charge attempts, and promotional code redemptions. Required under Nacha rules, and because a payment can be returned after it settles.
7 years
Your last payment, or cancellation, whichever is later
Consent records — your acceptance of these Terms and the Privacy Policy, and your biometric consent. Kept to establish and defend legal claims, which is an express exception to deletion rights under state privacy laws.
7 years
When you delete your account
Product and behavioral data — transactions, budgets, savings goals, rituals, journal and gratitude entries, analytics, and notification settings.
Deleted immediately
When you delete your account
Biometric templates — your face geometry and identity document images.
Never held by us. Plaid holds and destroys these within 3 years.
—
Audit trail — administrative access logs and the record that your deletion request was carried out.
Permanent
—
Your stored bank credentials are revoked immediately when you delete your account, regardless of the retention periods above. Revoking a credential and retaining a record of a past payment are different things.
18.5 Deletion is permanent
We cannot restore a deleted account or its data. If you open a new account later, it starts fresh: you will need to verify your identity again, reconnect your banks, and you will not receive another free trial or any previous promotional pricing.
19. Accuracy of Information
Balances, positions, transactions, prices, performance figures, and other information shown in the App are provided to us by Plaid, Alpaca, and market data sources, and are displayed for your convenience. They may be delayed, incomplete, out of date, or incorrect. Prices may not be real-time.
Information you enter yourself — manually added accounts, balances, interest rates, debts, and private investment valuations — is used as you provide it. Figures derived from it, including net worth and private investment estimates, are estimates only.
THE OFFICIAL RECORD OF YOUR ACCOUNT IS THE STATEMENT PROVIDED BY YOUR CUSTODIAN, NOT THE APP. IF THE APP AND YOUR STATEMENT DISAGREE, THE STATEMENT CONTROLS. PLEASE REVIEW YOUR STATEMENTS AND TRADE CONFIRMATIONS AND REPORT ANY DISCREPANCY PROMPTLY.
20. Disclaimers
THE APP IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. PIP TECH LLC DISCLAIMS ALL WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT ANY INFORMATION IT DISPLAYS WILL BE ACCURATE, COMPLETE, OR CURRENT.
No Financial Advice. Pip Tech LLC is a technology company. Nothing on the App provided by Pip Tech constitutes financial, investment, tax, or legal advice. Planning and budgeting tools, Learn Content, and other App features are software tools and general information, not personalized advice. Investment advice, where provided, comes from Mary & Pip Investments under a separate agreement. Always consult a qualified professional for advice specific to your situation.
No Guarantee of Financial Outcomes. Pip Tech makes no representations regarding the performance of any investment or savings product accessible through the App. Investing involves risk, including the possible loss of principal. Past performance does not guarantee future results. All financial products are subject to their own risk disclosures.
Social Media, Endorsements & Media Appearances. Pip Tech’s founder, employees, and any promotional partners may discuss the App or Mary & Pip Investments on social media, podcasts, television, or other media, including in connection with unrelated media appearances. Nothing said in that context is investment advice, and none of it is a guarantee, projection, or promise of investment performance. Where any person is compensated for promoting the App or Mary & Pip Investments, that compensation and any resulting conflict of interest will be disclosed as required by applicable law. Any such statement remains subject to the disclaimers in this Section.
Some jurisdictions do not allow the exclusion of implied warranties, so some of the above exclusions may not apply to you. In that case, such warranties are limited to the minimum period and extent permitted by law.
21. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, PIP TECH LLC AND ITS AFFILIATES, AND ITS AND THEIR OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE THE APP, INCLUDING ANY LOSS OF DATA, LOSS OF PROFITS, LOSS OF REVENUE, OR INVESTMENT LOSSES, WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
EXCEPT AS PROVIDED BELOW, PIP TECH’S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THIS AGREEMENT OR THE APP SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL SUBSCRIPTION FEES YOU PAID TO PIP TECH IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE THOUSAND U.S. DOLLARS ($1,000).
The limitations above do not apply to liability arising from:
Our gross negligence, willful misconduct, or fraud.
Death or personal injury caused by our negligence.
A breach of our obligations to safeguard your personal information, to the extent such liability cannot be limited by applicable law.
Any other liability that cannot be excluded or limited under applicable law.
Pip Tech is not liable for losses arising from the acts or omissions of Mary & Pip Investments, Alpaca Securities LLC, Plaid Technologies, Inc., or any other third-party financial services provider, or from market conditions, investment performance, or your own investment decisions.
Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so some of the above may not apply to you.
22. Indemnification
You agree to indemnify, defend, and hold harmless Pip Tech LLC, its affiliates, officers, directors, employees, and agents from and against any third-party claims, liabilities, damages, and expenses, including reasonable attorneys’ fees, arising from your use of the App, your violation of this Agreement, your violation of any applicable law, or your infringement of any third party’s rights.
This obligation does not apply to any claim arising from Pip Tech’s own breach of this Agreement, negligence, or willful misconduct.
We will notify you promptly of any claim for which we seek indemnification, and we may control the defense and settlement of that claim using counsel of our choosing. You agree to cooperate with us. We will not settle any claim in a way that imposes an obligation on you without your consent, which you will not unreasonably withhold.
23. Dispute Resolution
PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES MOST DISPUTES BETWEEN YOU AND PIP TECH TO BE RESOLVED BY INDIVIDUAL BINDING ARBITRATION RATHER THAN IN COURT, AND IT WAIVES YOUR RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS ACTION. YOU MAY OPT OUT OF ARBITRATION WITHIN 30 DAYS, AS DESCRIBED IN SECTION 23.3.
23.1 Informal resolution first
Before starting an arbitration or any other formal proceeding, you agree to contact us at support@maryandpip.com and try to resolve the matter informally. Your notice must include your name, the email address on your account, a description of the dispute, and the relief you are seeking. We will do the same if we have a dispute with you. Both sides agree to work in good faith for at least 30 days from the date the notice is received. Any applicable limitations period is tolled during that 30 days.
23.2 Binding arbitration
If the dispute is not resolved informally, you and Pip Tech agree that any dispute arising out of or relating to this Agreement or the App will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, and not in court. This arbitration agreement is governed by the Federal Arbitration Act.
23.3 Your right to opt out
You may opt out of this arbitration agreement. To do so, send written notice to 447 Broadway #223, New York, NY 10006 or support@maryandpip.com within 30 days of first accepting this Agreement, stating your name, the email address on your account, and that you are opting out of arbitration. Opting out will not affect any other part of this Agreement and will not affect your account or your use of the App in any way. If you opt out, disputes will be resolved in court as described in Section 23.10.
23.4 Arbitration procedures and costs
The arbitration will be conducted by a single arbitrator. Unless you and we agree otherwise, any hearing will take place in the federal judicial district where you live, or by telephone or video conference, or the dispute will be decided on the documents alone where the AAA rules permit. Pip Tech will pay the arbitration fees and costs that the AAA Consumer Arbitration Rules require it to pay, and will pay your share of the filing fee where your claim is for less than $10,000. Each side is otherwise responsible for its own attorneys’ fees, unless the arbitrator awards them under applicable law. The arbitrator may award any relief a court could award to you individually.
23.5 Class action waiver
YOU AND PIP TECH LLC AGREE THAT ALL CLAIMS WILL BE BROUGHT ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON’S CLAIMS OR PRESIDE OVER ANY FORM OF CLASS PROCEEDING.
23.6 Jury trial waiver
YOU AND PIP TECH LLC EACH WAIVE THE RIGHT TO A TRIAL BY JURY IN ANY PROCEEDING ARISING OUT OF OR RELATING TO THIS AGREEMENT.
23.7 Coordinated claims
If 25 or more claimants submit demands for arbitration raising substantially similar claims and are represented by the same or coordinated counsel, the claims will be administered in sequential batches of no more than 50, with the parties and the AAA agreeing a schedule. Any applicable limitations period is tolled for claimants whose claims are held for a later batch.
23.8 Exceptions
Nothing in this Section prevents either you or us from:
Bringing an individual claim in small claims court, if it qualifies.
Seeking injunctive or other equitable relief in court to protect intellectual property or to stop unauthorized access to or misuse of the App.
Reporting a matter to, or participating in a proceeding before, any federal, state, or local government agency.
23.9 Severability and delegation
The arbitrator, and not any court, has exclusive authority to resolve any dispute about the interpretation, applicability, enforceability, or formation of this arbitration agreement, except that a court decides whether Section 23.5 is enforceable.
If Section 23.5 is found unenforceable as to a particular claim or request for relief, that claim or request will be severed and decided in court, and the remaining claims will proceed in arbitration. If any other part of this Section is found unenforceable, it will be severed and the rest will remain in effect.
23.10 Governing law and forum
This Agreement is governed by the laws of the State of Delaware, without regard to its conflict of law principles, except that the Federal Arbitration Act governs Section 23. For any dispute not subject to arbitration, you and Pip Tech consent to the exclusive jurisdiction of the state and federal courts located in the State of Delaware, and waive any objection to venue there. Nothing in this Section deprives you of the protection of mandatory consumer protection laws of the state in which you reside.
24. Suspension and Termination
24.1 By you
You may stop using the App at any time, cancel your subscription under Section 8, or delete your account under Section 18.
24.2 By us
We may suspend or terminate your access to the App if you breach this Agreement, if your subscription is unpaid, if we reasonably suspect fraud or unlawful activity, if we are required to do so by law or by a regulated partner, or if we discontinue the App.
24.3 Regulatory holds and freezes
Your account or specific features may be restricted, or your financial account frozen, at the instruction of a regulated partner, a regulator, or a court, or where required by anti-money-laundering or sanctions law. This may happen without prior notice, and in some cases we are legally prohibited from telling you the reason or that a restriction exists.
24.4 Effect of termination
Termination of your Pip Tech account does not close your Mary & Pip Investments or Alpaca accounts and does not return your money. See Sections 9.6 and 18.2. Fees already incurred remain payable.
24.5 Survival
The following survive termination or expiry of this Agreement: Sections 12 (Your Content, including the license and feedback provisions), 13 (Intellectual Property), 16 (Privacy & Data), 18.4 (records we retain), 19 (Accuracy of Information), 20 (Disclaimers), 21 (Limitation of Liability), 22 (Indemnification), 23 (Dispute Resolution, including the class action and jury trial waivers), 24 (this Section), 26 (General Provisions), and any obligation to pay fees already incurred — together with any other provision that by its nature should survive.
25. Apple App Store Terms
The following applies where you obtained the App from the Apple App Store:
This Agreement is between you and Pip Tech LLC only, and not with Apple Inc. (“Apple”). Pip Tech, not Apple, is solely responsible for the App and its content.
Apple has no obligation to furnish any maintenance or support services for the App.
If the App fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price of the App, if any. To the maximum extent permitted by law, Apple has no other warranty obligation with respect to the App.
Apple is not responsible for addressing any claim by you or any third party relating to the App, including product liability claims, any claim that the App fails to conform to a legal or regulatory requirement, and claims arising under consumer protection or similar legislation.
Apple is not responsible for the investigation, defense, settlement, or discharge of any third-party claim that the App infringes that third party’s intellectual property rights.
You represent that you are not located in a country subject to a U.S. Government embargo or designated as a “terrorist supporting” country, and that you are not listed on any U.S. Government list of prohibited or restricted parties.
You must comply with any applicable third-party terms of service when using the App, including the Apple Media Services Terms and Conditions.
Apple and its subsidiaries are third-party beneficiaries of this Agreement and, upon your acceptance, will have the right to enforce it against you as a third-party beneficiary.
26. General Provisions
26.1 Entire agreement
This Agreement, together with the Privacy Policy, constitutes the entire agreement between you and Pip Tech LLC regarding the App and supersedes all prior agreements between you and Pip Tech on that subject. It does not supersede your agreements with Mary & Pip Investments, Alpaca, or any other financial services provider. The version of this Agreement displayed in the App and the version published at maryandpip.com/terms are the same agreement.
26.2 Notices
We give you notice by in-app message, by push notification, by text message to the mobile number on your account, or — where you have given us one — by email. Notice is effective when sent. You give us notice by email to support@maryandpip.com or by mail to 447 Broadway #223, New York, NY 10006, and notice is effective on receipt. It is your responsibility to keep your contact details current.
26.3 Assignment
You may not assign or transfer this Agreement or your account without our prior written consent. Pip Tech may assign its rights and obligations under this Agreement without your consent in connection with a merger, acquisition, or sale of assets, or to an affiliate.
26.4 Force majeure
Neither party is liable for any failure or delay in performance caused by circumstances beyond its reasonable control, including acts of God, natural disaster, epidemic, war, terrorism, civil unrest, labour disputes, failures of third-party services or infrastructure, market disruptions, failures of banking or payment systems, cyberattack, or governmental action. This does not excuse any obligation to pay amounts already due.
26.5 Severability
If any provision of this Agreement is found unenforceable, it will be modified to the minimum extent necessary to make it enforceable, or severed if it cannot be, and the remaining provisions remain in full effect.
26.6 No waiver
Pip Tech’s failure to enforce any provision of this Agreement is not a waiver of that provision or of any other.
26.7 No agency
Nothing in this Agreement creates a partnership, joint venture, employment, or agency relationship between you and Pip Tech. Pip Tech is not your agent, fiduciary, or adviser.
26.8 Third-party beneficiaries
Apple is a third-party beneficiary of this Agreement as described in Section 25. Mary & Pip Investments, LLC and Alpaca Securities LLC are third-party beneficiaries of Sections 20, 21, and 23 and may enforce those Sections directly. There are no other third-party beneficiaries.
26.9 Headings and interpretation
Headings are for convenience only and do not affect interpretation. “Including” means “including without limitation.”
26.10 Language
This Agreement is made in English, and the English version controls.
27. Contact Us
Pip Tech LLC
447 Broadway #223, New York, NY 10006
General support: support@maryandpip.com
Privacy requests: support@maryandpip.com
Legal notices: support@maryandpip.com / 447 Broadway #223, New York, NY 10006
Website: maryandpip.com
For questions about your investment or savings accounts, contact Mary & Pip Investments directly.