Terms of Service

1. Agreement to Terms

Welcome to fatstack. These Terms of Service ("Terms") constitute a legally binding agreement between you and Plumsome LLC, doing business as fatstack ("fatstack," "we," "us," or "our"), concerning your access to and use of the fatstack web application available at https://fatstack.app and all related services (collectively, the "Service").

BY ACCESSING OR USING THE SERVICE, YOU AGREE TO BE BOUND BY THESE TERMS AND ALL APPLICABLE LAWS AND REGULATIONS. IF YOU DO NOT AGREE TO THESE TERMS, YOU MAY NOT ACCESS OR USE THE SERVICE.

These Terms include and incorporate by reference our Privacy Policy, available at https://fatstack.app/privacy. By accepting these Terms, you also accept our Privacy Policy.

2. Changes to Terms

We may revise these Terms from time to time in our sole discretion. When we make material changes, we will:

• Update the "Last Updated" date at the top of these Terms
• Notify you by email (to the address associated with your account) or through a prominent notice on the Service
• Provide you with an opportunity to review the changes before they become effective

Your continued use of the Service after the effective date of revised Terms constitutes your acceptance of the changes. If you do not agree to the revised Terms, you must stop using the Service and may cancel your subscription.

Exception: Changes to the arbitration and dispute resolution provisions (Section 16) will not apply to any disputes for which the parties have actual notice prior to the date the change is posted.

3. Description of Service

fatstack is a personal finance tracking application that enables you to manually create periodic snapshots ("Entries") of your financial account balances across multiple accounts and currencies. The Service provides:

• Manual entry and tracking of account balances
• Multi-currency support with automatic conversion to your base currency
• Historical exchange rate accuracy for past Entries
• Portfolio tracking and visualization over time
• Basic analytics and reporting

What fatstack IS NOT:

• We are not a bank or financial institution
• We do not connect to your bank accounts or financial institutions
• We do not access your banking credentials or transaction data
• We do not provide financial advice, investment advice, or recommendations
• We are not a broker, investment advisor, credit counselor, or tax advisor
• We do not process or hold your funds

All financial data you see in the Service is data you manually entered. You are solely responsible for the accuracy and completeness of your data.

4. Eligibility

You must be at least 18 years of age to use the Service. By using the Service, you represent and warrant that:

• You are at least 18 years old
• You have the legal capacity to enter into a binding contract
• You are not prohibited from using the Service under any applicable laws
• All information you provide is accurate, current, and complete
• You have not been previously suspended or removed from the Service

If you are using the Service on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

5. Account Registration and Security

5.1 Account Creation

To use the Service, you must create an account by providing:

• Display name
• Valid email address
• Secure password

You agree to provide accurate, current, and complete information during registration and to update your information as necessary to keep it accurate and current.

5.2 Account Security

You are entirely responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Notifying us immediately at support@fatstack.app of any unauthorized access or security breach

You may not:

• Share your account credentials with anyone
• Allow anyone else to access your account
• Use another person's account
• Create multiple accounts for yourself

We will not be liable for any loss or damage arising from unauthorized use of your account, and you may be held liable for losses incurred by us or others due to unauthorized account use.

5.3 Account Deletion

You may request deletion of your account at any time by emailing support@fatstack.app. Upon deletion:

• Your account information and financial data will be deleted within 30 days
• Your subscription will be cancelled (no refunds for unused time unless within the 7-day refund period)
• Backup copies may persist for up to an additional 30 days
• We may retain certain information as required by law (payment records for 7 years)

6. Subscription Plans and Payment Terms

6.1 Free Tier

fatstack offers a free tier that allows you to create up to 3 Entries at no cost. The free tier includes:

• Up to 3 balance snapshot Entries
• Full currency conversion features
• Access to your Entry history
• Basic portfolio tracking

Once you reach the 3-Entry limit, you must upgrade to a paid subscription to create additional Entries.

6.2 Paid Subscriptions

We offer the following paid subscription plans:

• Monthly Subscription: $4.99 per month, billed monthly
• Annual Subscription: $39.99 per year, billed annually

Paid subscriptions include:

• Unlimited Entries
• All features available in the free tier
• Access to future premium features (as they become available)

6.3 Free Trial

When you first subscribe to a paid plan, you will receive a 7-day free trial. During the trial:

• You have full access to all paid subscription features
• You will not be charged during the 7-day trial period
• You must provide valid payment information to start the trial
• Your subscription will automatically begin and your payment method will be charged at the end of the trial unless you cancel

You may cancel your subscription during the free trial to avoid being charged. If you have previously used a free trial, you may not be eligible for another trial.

6.4 Billing and Payment

Payment Method: We use Stripe, Inc. as our payment processor. By subscribing, you authorize us and Stripe to charge your provided payment method. You represent and warrant that:

• You are authorized to use the payment method provided
• The payment information you provide is accurate and complete
• You will maintain valid payment information during your subscription

Automatic Renewal: Your subscription will automatically renew at the end of each billing period (monthly or annual) at the then-current subscription price, unless you cancel before the renewal date.

Price Changes: We may change subscription prices at any time on a going-forward basis. If we increase your subscription price, we will notify you at least 14 days before the increase takes effect and before charging the new price. You may cancel your subscription before the price increase takes effect if you do not wish to pay the new price.

Taxes: All prices are in U.S. Dollars and do not include applicable taxes. You are responsible for all sales, use, and other taxes associated with your subscription.

Failed Payments: If a payment fails, we may:

• Retry the charge
• Suspend your access to paid features
• Downgrade your account to the free tier
• Cancel your subscription

You are responsible for any fees charged by your bank or payment provider for failed payments.

6.5 Refund Policy

7-Day Refund Period: If you are dissatisfied with your paid subscription, you may request a full refund within 7 days of your initial purchase by emailing support@fatstack.app. This refund policy applies only to:

• Your first payment for a new subscription
• Requests made within 7 days of the initial charge
• Direct purchases through fatstack (not through third-party app stores)

No Other Refunds: Except as stated above or as required by applicable law, all subscription fees are non-refundable. This includes:

• Partial refunds for unused portions of subscription periods
• Refunds for renewal charges (cancel before renewal to avoid charges)
• Refunds after the 7-day refund period has expired

Promotional Rates: If you purchased your subscription at a promotional or discounted rate, you are still eligible for the 7-day refund policy, but the refund will be for the amount actually paid.

6.6 Cancellation

You may cancel your subscription at any time through your account settings or by emailing support@fatstack.app. When you cancel:

• Your cancellation will take effect at the end of your current billing period
• You will continue to have access to paid features until the end of your current billing period
• Your account will be downgraded to the free tier after your billing period ends
• You will not be charged for subsequent billing periods
• You must cancel at least 24 hours before your renewal date to avoid being charged

6.7 Subscription Modifications

We reserve the right to:

• Add, modify, or remove features from subscription plans
• Change subscription pricing on a going-forward basis with advance notice
• Introduce new subscription tiers or plans
• Modify the free tier limits with advance notice

If we make material changes to your subscription that adversely affect you, we will notify you at least 14 days in advance, and you may cancel your subscription if you do not accept the changes.

7. User Responsibilities and Acceptable Use

7.1 Your Responsibilities

You agree to:

• Use the Service only for lawful purposes
• Provide accurate financial data in your Entries
• Maintain the security of your account
• Comply with all applicable laws and regulations
• Use the Service only for your personal, non-commercial use

7.2 Prohibited Uses

You may NOT:

Account Misuse:

• Share your account with others
• Create multiple accounts for yourself
• Use another person's account without permission
• Impersonate any person or entity

Technical Misuse:

• Attempt to gain unauthorized access to the Service, servers, or networks
• Use any automated tools (bots, scrapers, scripts) to access the Service
• Reverse engineer, decompile, or disassemble any part of the Service
• Circumvent any security features or access controls
• Probe, scan, or test the vulnerability of the Service
• Interfere with or disrupt the Service or servers

Content Misuse:

• Upload viruses, malware, or other malicious code
• Use the Service to store or transmit illegal content
• Violate any third party's intellectual property rights

Commercial Misuse:

• Use the Service for commercial purposes without our written permission
• Resell, rent, or lease access to the Service
• Use the Service to compete with fatstack

Legal Violations:

• Violate any applicable laws, regulations, or these Terms
• Use the Service for fraudulent purposes
• Export or re-export the Service in violation of export control laws

We reserve the right to investigate and take appropriate legal action against anyone who violates these prohibitions, including terminating accounts and reporting violations to law enforcement.

8. Intellectual Property Rights

8.1 Ownership of Service

The Service and all content, features, functionality, and intellectual property rights therein are owned by Plumsome LLC and are protected by copyright, trademark, patent, trade secret, and other intellectual property laws.

This includes but is not limited to:

• The fatstack name, logo, and trademarks
• The Service's design, interface, and user experience
• All software, code, algorithms, and technology
• All text, graphics, images, and other content we create

8.2 Limited License to You

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to:

• Access and use the Service for your personal, non-commercial use
• Use the Service through supported web browsers and devices

This license does not grant you any ownership rights in the Service.

8.3 Restrictions

You may not:

• Copy, modify, or create derivative works of the Service
• Distribute, sell, lease, or sublicense the Service
• Remove or alter any copyright notices or proprietary marks
• Use our trademarks without prior written permission
• Frame or mirror any part of the Service

8.4 Your Content

You retain all ownership rights to the financial data and information you enter into the Service ("Your Content"). By using the Service, you grant us a limited license to:

• Store and process Your Content to provide the Service
• Use Your Content to improve the Service (in anonymized, aggregated form only)
• Display Your Content back to you in the Service

We will never:

• Sell your personal financial data to third parties
• Use your specific financial data for advertising
• Share your identifiable financial information without your consent (except as required by law)

9. Third-Party Services

9.1 Service Providers

The Service uses the following third-party service providers:

Stripe, Inc. - Payment processing. Your payment information is processed directly by Stripe and subject to Stripe's Terms of Service and Privacy Policy.

Supabase - Database hosting and authentication services.

Vercel - Web application hosting and content delivery.

PostHog - Product analytics and usage tracking. You may opt out of session recordings in your account settings.

By using the Service, you acknowledge and agree that these third-party providers may collect and process your information as described in our Privacy Policy and their respective privacy policies.

9.2 Currency Exchange Data

We use third-party sources for historical currency exchange rates. While we strive for accuracy, we do not guarantee that exchange rates are completely accurate or up-to-date. You should verify important exchange rate information independently.

9.3 No Control Over Third Parties

We are not responsible for:

• The availability, accuracy, or reliability of third-party services
• Any changes to third-party services that affect the Service
• Third-party service providers' privacy practices or data handling
• Any fees charged by third-party providers

10. Disclaimers and Warnings

10.1 No Financial Advice

CRITICAL: fatstack and Plumsome LLC are not:

• Financial advisors, investment advisors, or broker-dealers
• Banks, credit unions, or financial institutions
• Credit counselors, debt consolidators, or loan servicers
• Tax advisors, accountants, or legal advisors
• Consumer reporting agencies or credit bureaus

The Service does NOT provide:

• Financial advice, investment advice, or recommendations
• Tax advice or tax preparation services
• Legal advice or legal services
• Credit counseling or debt management services
• Any professional services requiring licensing

Any information provided through the Service is for informational and educational purposes only and should not be construed as professional advice of any kind.

You should consult with qualified professionals (financial advisors, accountants, lawyers, etc.) before making any financial, investment, legal, or tax decisions.

10.2 User Responsibility for Data Accuracy

YOU are solely responsible for:

• The accuracy and completeness of all data you enter
• Verifying your financial information independently
• Maintaining your own financial records outside the Service
• Any financial decisions you make based on your data

We do not verify, validate, or audit the financial information you enter. We are not responsible for any errors, omissions, or inaccuracies in your data or any consequences resulting from such errors.

10.3 Currency Conversion Accuracy

While we use reputable sources for historical exchange rates, currency conversion is provided on an "as-is" basis. We do not guarantee:

• The accuracy of exchange rates
• The availability of exchange rates for all currency pairs
• That exchange rates reflect real-world rates you could obtain
• That historical rates are completely accurate

For important financial decisions, verify exchange rates independently through your bank or financial institution.

10.4 Service Availability

We do not guarantee that:

• The Service will be available at all times
• The Service will be error-free or uninterrupted
• Defects will be corrected immediately
• The Service is free from viruses or harmful components

The Service may be unavailable due to:

• Scheduled or emergency maintenance
• Technical difficulties or system failures
• Internet or network outages
• Circumstances beyond our reasonable control

10.5 "AS IS" and "AS AVAILABLE"

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY LAW, PLUMSOME LLC DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• IMPLIED WARRANTIES OF MERCHANTABILITY
• IMPLIED WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE
• WARRANTIES OF NON-INFRINGEMENT
• WARRANTIES REGARDING ACCURACY, RELIABILITY, OR COMPLETENESS
• WARRANTIES THAT THE SERVICE WILL MEET YOUR REQUIREMENTS

Some jurisdictions do not allow the exclusion of implied warranties, so the above exclusions may not apply to you. In such cases, our warranties are limited to the fullest extent permitted by law.

11. Limitation of Liability

11.1 Exclusion of Damages

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL PLUMSOME LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR AFFILIATES BE LIABLE FOR:

Indirect or Consequential Damages:

• Loss of profits, revenue, or business opportunities
• Loss of data or information
• Loss of goodwill or reputation
• Cost of substitute services
• Any indirect, incidental, special, consequential, or punitive damages

Even if we have been advised of the possibility of such damages.

11.2 Cap on Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ANY AND ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF:

• The amount you paid to fatstack in the 12 months immediately preceding the event giving rise to the claim, OR
• $100 USD

11.3 Basis of the Bargain

You acknowledge and agree that these limitations of liability are an essential part of the agreement between you and fatstack, and that fatstack would not provide the Service to you without these limitations.

11.4 Applicable Law

Some jurisdictions do not allow the exclusion or limitation of incidental or consequential damages, so the above limitations may not apply to you. In such cases, our liability is limited to the fullest extent permitted by applicable law.

12. Indemnification

You agree to defend, indemnify, and hold harmless Plumsome LLC, its officers, directors, employees, agents, affiliates, and service providers from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising from or related to:

• Your use or misuse of the Service
• Your violation of these Terms
• Your violation of any applicable law or regulation
• Your violation of any third-party rights, including intellectual property rights
• The accuracy or inaccuracy of information you provide
• Any financial decisions you make based on your use of the Service
• Any unauthorized access to your account resulting from your failure to maintain account security

We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, and you agree to cooperate with our defense of such claims.

13. Service Modifications and Termination

13.1 Service Modifications

We reserve the right to:

• Modify, suspend, or discontinue any aspect of the Service at any time
• Add or remove features from the Service
• Change how the Service operates
• Impose limits on certain features

We will make reasonable efforts to notify you of material changes to the Service that adversely affect your use, but we are not obligated to do so for minor updates or improvements.

13.2 Termination by You

You may terminate your account at any time by:

• Cancelling your subscription through your account settings
• Emailing us at support@fatstack.app to request account deletion

Upon termination by you:

• Your access to paid features will continue until the end of your current billing period (no refunds except within the 7-day refund period)
• Your account will be downgraded to the free tier at the end of your billing period (if you cancel subscription only)
• Your account and data will be deleted per our Privacy Policy (if you request account deletion)

13.3 Termination by Us

We may suspend or terminate your access to the Service at any time, with or without notice, if:

• You violate these Terms
• You engage in fraudulent or illegal activity
• Your account has been inactive for an extended period
• We are required to do so by law
• We discontinue the Service entirely

If we terminate your account for cause (violation of Terms), you will not receive a refund of any subscription fees paid.

13.4 Effect of Termination

Upon termination of your account:

• Your right to access and use the Service immediately ceases
• You remain responsible for any amounts owed to us
• We may delete your data according to our Privacy Policy
• Sections of these Terms that by their nature should survive (including payment obligations, disclaimers, limitation of liability, and dispute resolution) will continue to apply

14. Communication and Notices

14.1 Electronic Communications

By using the Service, you consent to receive communications from us electronically, including:

• Emails to your registered email address
• Notifications within the Service
• Announcements posted on the Service

You agree that all agreements, notices, disclosures, and other communications we provide electronically satisfy any legal requirement that such communications be in writing.

14.2 Notices to Us

All notices to fatstack must be sent in writing to:

Email: support@fatstack.app

Mailing Address:
Plumsome LLC
5441 S Macadam Ave, Suite N
Portland, OR 97239
United States

14.3 Notices to You

We may provide notices to you:

• By email to your registered email address
• By posting on the Service
• By in-app notifications

Notices sent by email will be deemed received 24 hours after sending, unless we receive notification that the email was not delivered.

15. Export Controls

You represent and warrant that:

• You are not located in a country subject to a U.S. government embargo or designated as a "terrorist supporting" country
• You are not listed on any U.S. government list of prohibited or restricted parties
• You will comply with all applicable export and import laws and regulations

You may not use the Service if you are located in or a resident of any jurisdiction where such use would be illegal or restricted.

16. Dispute Resolution and Arbitration

16.1 Informal Resolution First

Before filing any formal dispute, you agree to first contact us at support@fatstack.app and attempt to resolve the dispute informally. We will attempt to work with you in good faith to resolve the issue. You must provide:

• Your name and account information
• A description of the dispute
• The relief you are seeking

Both parties agree to make good faith efforts to resolve disputes informally for at least 30 days before proceeding to arbitration or litigation.

16.2 Binding Arbitration

Agreement to Arbitrate: If we cannot resolve a dispute informally, you and Plumsome LLC agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved through binding arbitration rather than in court, except as provided in Section 16.3 (Exceptions to Arbitration).

YOU UNDERSTAND AND AGREE THAT BY ENTERING INTO THESE TERMS, YOU AND PLUMSOME LLC ARE EACH WAIVING THE RIGHT TO A TRIAL BY JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION.

Arbitration Rules: The arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, as modified by these Terms. The AAA Rules are available at www.adr.org or by calling 1-800-778-7879.

Arbitration Process:

• Either party may initiate arbitration by filing a demand with the AAA
• The arbitration will be conducted by a single neutral arbitrator
• The arbitrator will apply applicable law and these Terms
• The arbitration may be conducted in person, by phone, online, or based on written submissions, as chosen by the party initiating arbitration
• The arbitrator's decision will be final and binding
• Judgment on the arbitrator's award may be entered in any court of competent jurisdiction

Location: Any in-person arbitration hearing will take place in Portland, Oregon, unless the parties agree otherwise.

Fees: If you initiate arbitration, we will pay all AAA filing fees and arbitrator fees. If we initiate arbitration, we will pay all fees. Each party will bear its own attorneys' fees unless the arbitrator awards fees as permitted by law.

If the arbitrator finds that either the substance of your claim or the relief sought is frivolous or brought for an improper purpose, then the payment of all arbitration fees will be governed by the AAA Rules, and you may be required to reimburse us for fees we paid on your behalf.

16.3 Exceptions to Arbitration

The following disputes are NOT subject to arbitration:

• Claims in small claims court (if the claim qualifies)
• Claims seeking injunctive or equitable relief for intellectual property infringement
• Claims related to the validity, enforceability, or scope of this arbitration agreement

16.4 Class Action Waiver

YOU AND PLUMSOME LLC AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION OR PROCEEDING.

Unless both you and Plumsome LLC agree otherwise in writing:

• The arbitrator may not consolidate more than one person's claims
• The arbitrator may not preside over any form of class or representative proceeding
• The arbitrator may award relief (including monetary, injunctive, and declaratory relief) only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim

If a court determines that this class action waiver is unenforceable as to a particular claim or request for relief, then that claim or request for relief (and only that claim or request) must be severed from the arbitration and may be brought in court. All other claims will be arbitrated.

16.5 Opt-Out Right

You have the right to opt out of this arbitration agreement. If you do not want to be bound by the arbitration and class action waiver provisions, you must notify us in writing within 30 days of the date you first accept these Terms.

To opt out, send an email to support@fatstack.app with the subject line "ARBITRATION OPT-OUT" and include:

• Your full name
• Your email address associated with your fatstack account
• A clear statement that you wish to opt out of the arbitration agreement

If you opt out:

• You will not be bound by the arbitration provisions of these Terms
• You may pursue claims in court
• You may still use the Service
• All other provisions of these Terms will still apply

If you do not opt out within 30 days, you will be bound by the arbitration agreement.

16.6 Survival and Severability

This arbitration agreement will survive termination of these Terms and your use of the Service. If any portion of this Section 16 is found to be invalid or unenforceable, the remainder shall remain in full force and effect, except that:

• If the class action waiver is found unenforceable, then the entire arbitration agreement (Section 16) shall be void, and disputes will be resolved in court as provided in Section 17 (Governing Law)

17. Governing Law and Venue

17.1 Governing Law

These Terms and any disputes arising out of or related to the Service shall be governed by and construed in accordance with the laws of the State of Oregon, without regard to its conflict of law principles.

The United Nations Convention on Contracts for the International Sale of Goods does not apply to these Terms.

17.2 Exclusive Venue

To the extent that court litigation is permitted under these Terms (see Section 16 for arbitration requirements), you agree that:

• Any lawsuit or proceeding must be brought exclusively in the state or federal courts located in Multnomah County, Oregon
• You consent to personal jurisdiction in those courts
• You waive any objection to venue or inconvenient forum

18. General Provisions

18.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Plumsome LLC regarding the Service and supersede all prior or contemporaneous agreements, understandings, and communications, whether written or oral.

18.2 Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect. The invalid provision will be modified to the minimum extent necessary to make it valid and enforceable, or if that is not possible, will be severed from these Terms.

18.3 Waiver

Our failure to enforce any provision of these Terms does not constitute a waiver of that provision or any other provision. No waiver of any provision will be effective unless made in writing and signed by our authorized representative.

18.4 Assignment

You may not assign or transfer these Terms or your account without our prior written consent. We may assign or transfer these Terms or any rights or obligations hereunder without your consent. Any attempted assignment by you in violation of this section will be null and void.

18.5 Force Majeure

We will not be liable for any delay or failure to perform our obligations under these Terms due to circumstances beyond our reasonable control, including but not limited to:

• Acts of God, natural disasters, or severe weather
• War, terrorism, riots, or civil unrest
• Government actions or regulations
• Internet outages or telecommunications failures
• Cyber attacks or security breaches
• Labor disputes or strikes
• Pandemics or epidemics

18.6 Survival

The following provisions will survive termination of these Terms: Sections 8 (Intellectual Property), 10 (Disclaimers), 11 (Limitation of Liability), 12 (Indemnification), 16 (Dispute Resolution), 17 (Governing Law), and 18 (General Provisions), as well as any other provisions that by their nature should survive.

18.7 Relationship of Parties

Nothing in these Terms creates any partnership, joint venture, agency, employment, or franchise relationship between you and Plumsome LLC. You have no authority to bind Plumsome LLC or create any obligations on our behalf.

18.8 Headings

The section headings in these Terms are for convenience only and have no legal or contractual effect.

18.9 Interpretation

• Use of "including" or "includes" means "including but not limited to"
• Use of "or" is inclusive and means "and/or" unless stated otherwise
• Words in the singular include the plural and vice versa
• These Terms will not be construed against us merely because we drafted them

18.10 Third-Party Beneficiaries

These Terms do not create any third-party beneficiary rights except as expressly stated herein. Our service providers (Stripe, Supabase, Vercel, etc.) are intended third-party beneficiaries of the provisions relating to their services.

18.11 Language

These Terms are written in English. If we provide a translation, the English version will prevail in case of any conflict or discrepancy.

19. California Residents

Under California Civil Code Section 1789.3, California residents are entitled to the following notice:

The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs may be contacted in writing at:

1625 North Market Blvd., Suite N 112
Sacramento, CA 95834

Or by telephone at:

(800) 952-5210 or (916) 445-1254

20. Contact Information

If you have questions about these Terms or the Service, please contact us:

Email: support@fatstack.app

Mailing Address:
Plumsome LLC
5441 S Macadam Ave, Suite N
Portland, OR 97239
United States