Terms of Service
1. WHO YOU ARE CONTRACTING WITH
Pip Tech LLC ("Pip Tech," "we," "us," or "our") is the technology company that develops, operates, and maintains the Mary & Pip mobile application and Platform (collectively, the "Platform"). By accessing or using the Platform, you are entering into a legal agreement with Pip Tech LLC for access to the Platform's software and technology services.
Important: Pip Tech LLC is a technology company, not a financial services provider, broker-dealer, investment adviser, or bank. Any investment accounts, brokerage services, savings features, or financial transactions available through the Platform are provided by separate regulated entities — specifically Mary & Pip Investments LLC and its custodial and banking partners (including Alpaca Securities LLC). Your use of those financial services is governed by separate agreements with those entities, which will be presented to you at account opening. These Terms of Service govern only your use of the Pip Tech software platform.
2. AGREEMENT TO TERMS
These Terms of Service ("Agreement") constitute a legally binding contract between you ("User," "you," or "your") and Pip Tech LLC, registered 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 Platform, 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 Platform.
We may update this Agreement at any time. Material changes will be communicated via in-app notification or email. Continued use of the Platform after the effective date of any update constitutes acceptance of the revised terms.
3. ELIGIBILITY
To create an account and use the Platform, you must:
● Be at least 18 years of age
● Be a legal resident or citizen of the United States
● Have the legal capacity to enter into a binding contract
● Not be prohibited by any applicable law from accessing or using the Platform
● Provide accurate, complete, and current registration information
The Platform is not available to users outside the United States. If you access the Platform from outside the United States, you do so at your own risk and are solely responsible for compliance with applicable local laws.
4. WHAT PIP TECH PROVIDES
Pip Tech provides the software infrastructure, user interface, and technology features that make up the Mary & Pip Platform. This includes:
4.1 Application Software
The mobile application, navigation shell, user interface design, and all technology that powers your experience on the Platform.
4.2 Budgeting Features
The Platform includes budgeting tools that analyze your income patterns and stated preferences to help you understand your spending and suggest how to allocate funds across savings and investment categories. These budgeting features are software tools — they are not personalized financial or investment advice, and Pip Tech LLC is not acting as your investment adviser by providing them. Any financial transactions you initiate based on these features are executed through Mary & Pip Investments LLC and its regulated custodial partners.
4.3 Spend Insights
Spending data and insights displayed in the Platform are powered by Plaid Technologies, Inc. Pip Tech facilitates the connection between your bank account data and the Platform interface. You must separately consent to Plaid's End User Privacy Policy.
4.4 Communication Preferences
Pip Tech provides in-app notifications, push alerts, and communication style settings (including Gentle, Hype Friend, Sassy CFO, and Straight Shooter modes). These are software features and do not constitute financial advice or guidance.
4.5 Platform Availability
Pip Tech will use commercially reasonable efforts to maintain Platform availability. However, we do not guarantee uninterrupted access. The Platform may be unavailable due to maintenance, updates, technical issues, or circumstances beyond our control.
5. SUBSCRIPTION & FEES
Access to the Platform requires a paid subscription. Current pricing is disclosed within the Platform prior to account creation.
By subscribing, you authorize Pip Tech to charge your chosen payment method on a recurring basis at the then-current subscription rate until you cancel.
Pip Tech reserves the right to change subscription pricing with at least 30 days' advance notice. Continued use of the Platform after a price change takes effect constitutes acceptance of the new pricing.
All subscription fees are charged in U.S. dollars. Subscription fees do not include any fees charged by Mary & Pip Investments LLC, Alpaca Securities LLC, or any other financial services partner, which are governed by separate agreements.
6. CANCELLATION
You may cancel your subscription at any time through your account settings or by contacting us at support@maryandpip.com. Cancellation takes effect at the end of your current billing period. Pip Tech does not offer prorated refunds for partial subscription periods.
Cancelling your Pip Tech subscription does not automatically close your Mary & Pip Investments LLC account. To close your investment account, you must separately follow the account closure process governed by the Mary & Pip Investments LLC Terms of Service and Investment Agreement.
7. USER ACCOUNTS
You are responsible for maintaining the confidentiality of your account credentials. You agree to notify us immediately at support@maryandpip.com if you suspect unauthorized access to your account.
You may not share your account with any other person. Each account is for individual use only. Pip Tech reserves the right to suspend or terminate accounts that show signs of unauthorized sharing or suspicious activity.
By registering, you represent that all information you provide is accurate and current, and you agree to keep it updated.
8. INTELLECTUAL PROPERTY
The Platform 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 Platform 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 Platform
● Reverse engineer, decompile, or attempt to extract the source code of the Platform
● Remove or alter any proprietary notices or labels on the Platform
● Use any Pip Tech trademark, brand name, or logo without our express written permission
9. ACCEPTABLE USE
You agree to use the Platform 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 Platform or other users' accounts
● Use automated tools, bots, or scripts to access or interact with the Platform
● Upload or transmit malware, viruses, or any harmful code
● Interfere with or disrupt the integrity or performance of the Platform
● Use the Platform in any way that violates applicable federal or state laws
● Harvest, collect, or compile data about other users without their consent
10. THIRD-PARTY SERVICES
The Platform integrates with third-party services to deliver its full feature set. Pip Tech is not responsible for the acts or omissions of these third parties. Your use of any third-party service accessed through the Platform is subject to that service's own terms and privacy policy.
Key third-party integrations include:
● Plaid Technologies, Inc. — bank account connectivity and transaction data
● Apple Inc. — iOS App Store distribution, push notification delivery
● Amazon Web Services (AWS) — cloud infrastructure and data hosting
Financial services within the Platform — including brokerage accounts and savings — are provided by Mary & Pip Investments LLC and its partners (Alpaca Securities LLC). These are not Pip Tech services. Pip Tech is not a party to your financial services agreements with those entities.
11. PRIVACY & DATA
Your use of the Platform is subject to Pip Tech's Privacy Policy, available at maryandpip.com/privacy-policy and incorporated by reference into this Agreement.
Pip Tech collects and processes certain data necessary to operate the Platform, including account registration data, device information, usage data, and data you input into the Platform. We do not sell your personal data.
Financial data connected through Plaid and data held within your Mary & Pip Investments LLC account is governed by the privacy policies of those respective entities. Pip Tech accesses only the data necessary to display your information within the Platform interface.
12. ELECTRONIC COMMUNICATIONS
By creating an account, you consent to receive communications from Pip Tech electronically, including service updates, feature announcements, and notices of changes to this Agreement. Regulatory disclosures and account communications related to financial services will be delivered separately by Mary & Pip Investments LLC.
You agree that electronic notices from Pip Tech satisfy any legal requirement that such notices be in writing.
13. DISCLAIMERS
THE PLATFORM 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, AND NON-INFRINGEMENT.
No Financial Advice. Pip Tech LLC is a technology company. Nothing on the Platform constitutes financial, investment, tax, or legal advice. Budgeting tools and other Platform features are software tools, not personalized advice. 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 Platform. All financial products are subject to their own risk disclosures.
14. LIMITATION OF LIABILITY
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, PIP TECH LLC AND ITS 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 PLATFORM, INCLUDING ANY LOSS OF DATA, LOSS OF REVENUE, OR INVESTMENT LOSSES. IN NO EVENT SHALL PIP TECH'S TOTAL LIABILITY TO YOU EXCEED THE TOTAL SUBSCRIPTION FEES YOU PAID TO PIP TECH IN THE THREE (3) MONTHS PRECEDING THE CLAIM.
Pip Tech is not liable for losses arising from the acts or omissions of Mary & Pip Investments LLC, Alpaca Securities LLC, Plaid Technologies, Inc., or any other third-party financial services provider.
15. INDEMNIFICATION
You agree to indemnify, defend, and hold harmless Pip Tech LLC, its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, and expenses — including reasonable attorneys' fees — arising from your use of the Platform, your violation of this Agreement, or your violation of any applicable law.
16. DISPUTE RESOLUTION
16.1 Informal Resolution
Before initiating any formal dispute proceeding, you agree to contact Pip Tech at support@maryandpip.com and attempt to resolve the matter informally for at least 30 days.
16.2 Binding Arbitration
If informal resolution fails, any dispute arising out of or relating to this Agreement or the Platform shall be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules.
16.3 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 OR REPRESENTATIVE ACTION.
16.4 Governing Law
This Agreement is governed by the laws of the State of Delaware, without regard to its conflict of law principles.
17. TERMINATION
Pip Tech may suspend or terminate your access to the Platform at any time, with or without notice, for violations of this Agreement, non-payment, or for any other reason at Pip Tech's discretion.
Termination of your Pip Tech account does not automatically close your Mary & Pip Investments LLC financial accounts. You must contact Mary & Pip Investments LLC directly to close financial accounts and retrieve any funds.
Sections of this Agreement that by their nature should survive termination — including intellectual property, disclaimers, limitations of liability, and arbitration — shall survive.
18. GENERAL PROVISIONS
This Agreement constitutes the entire agreement between you and Pip Tech LLC regarding the Platform and supersedes all prior agreements. If any provision is found unenforceable, the remaining provisions remain in full effect. Pip Tech's failure to enforce any provision of this Agreement shall not constitute a waiver.
Pip Tech may assign its rights and obligations under this Agreement without your consent in connection with a merger, acquisition, or sale of assets.
19. CONTACT
Pip Tech LLC
Email: support@maryandpip.com
Address: 447 Broadway #223 New York NY 10006
Website: maryandpip.com
For questions about your investment or savings accounts, contact Mary & Pip Investments LLC directly.