Marked Personal Finance, LLC — Version 1.0 — Effective July 18, 2026
Marked Money (markedmoney.app) is personal-finance bookkeeping software operated by Marked Personal Finance, LLC, a Kentucky limited liability company. You enter or import your own financial records; the software keeps proper double-entry books from them and shows you reports. By creating an account or using the service you agree to these Terms.
During the beta period, the Beta Terms you accepted at signup continue to govern beta-specific matters, and we make these commitments here as well: the service is free during the beta; where reasonably possible, we will give you notice before the beta ends so you can export your records first; you will be told the price before you are asked to pay anything; and you will never be charged without explicitly choosing to pay. If these Terms and the Beta Terms differ on a beta-specific matter, the Beta Terms control while the beta lasts.
Marked Money is operated from the United States and directed to people in the United States; your data is stored there (the Privacy Policy says exactly where). If you use the service from somewhere else, you're welcome — but you use it under these U.S.-law Terms, with your data processed in the United States, and we make no representation that the service meets the legal requirements of other countries.
Marked Money provides bookkeeping software — not financial, tax, investment, accounting, or legal advice. Nothing in the app is a recommendation to buy, sell, hold, allocate, borrow, repay, or do anything else with your money. The reports, categories, calculations, prompts, and guides are tools that organize the numbers you provide; every decision about your money is yours. For advice, consult your own qualified professional.
No accountant-client, advisor-client, or fiduciary relationship is created by using the service.
Keep your login credentials to yourself; what happens under your account is your responsibility until you tell us it's been compromised. Give us accurate account information. You must be at least 18 years old to use Marked Money.
The data you enter is yours. We claim no ownership of it and use it only to operate the service for you, as described in the Privacy Policy. You are responsible for the accuracy of what you enter and for keeping your own copies — Export & Backup exists precisely so you can, and we encourage you to use it.
Marked Money keeps books from the records you provide. It is not a substitute for your bank's statements or official records of the underlying accounts.
Use the service lawfully and as intended: for keeping books. Don't attempt to breach its security, probe other users' data, overload it, scrape it, resell access to it, or reverse-engineer it except where the law says we can't stop you. We may suspend or terminate accounts that do.
The software, design, and Marked Money name belong to the company. Your data belongs to you. If you send us feedback or suggestions, we may use them to improve the product without owing compensation — that's what beta feedback is for.
The service is provided “as is” and “as available.” We work hard to make it accurate and reliable, but we can't and don't promise it is error-free, uninterrupted, or fit for any particular purpose, and we disclaim all warranties, express or implied — including the implied warranties of merchantability, fitness for a particular purpose, and non-infringement — to the fullest extent the law allows. Check important numbers against your source records before acting on them.
To the fullest extent the law allows, the company is not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost data, or lost opportunities, arising from your use of the service. Our total liability for any claim is capped at the greater of (a) the amounts you paid us for the service in the twelve months before the claim arose and (b) one hundred U.S. dollars. Nothing in these Terms limits any liability that the law does not permit to be limited, including liability for fraud or willful misconduct. Some jurisdictions limit these limitations; where they do, these apply to the fullest extent permitted.
You can delete your account at any time from Settings. Deletion is immediate, permanent, and complete, as described in the Privacy Policy — export your data first if you want a copy.
We may suspend or terminate your account for violating these Terms. If we terminate your account under these Terms, then unless a legal obligation or a genuine security risk prevents it, we will give you a reasonable window — ordinarily fourteen days — to export your records before they are deleted. If we ever discontinue the service, we will give reasonable advance notice where reasonably possible so you can export your records first.
These Terms are governed by the laws of the Commonwealth of Kentucky, without regard to conflict-of-law rules.
If something goes wrong, talk to us first — email [email protected] with a description of the problem and what you'd like done about it, and give us thirty days to make it right. Most things are fixable, and neither of us will start a lawsuit before that thirty-day window has run — except that either of us may go straight to small-claims court with a claim that qualifies, and we may ask a court for immediate help if someone is attacking the service's security.
Any dispute that survives that conversation will be decided in the state or federal courts sitting in Fayette County, Kentucky, which have exclusive jurisdiction, and we each consent to them. To keep disputes simple and personal, each of us knowingly and voluntarily waives the right to a jury trial, and each of us agrees to bring claims only in our own individual capacity — not as a plaintiff or member of a class in any class, consolidated, or representative proceeding. If any part of this section is held unenforceable for a particular claim, the rest of this section still applies to that claim.
If these Terms change materially, we'll give reasonable notice in the app or by email before the changes take effect. Continuing to use the service after they take effect means you accept them; if you don't, delete your account — exporting first.
If part of these Terms turns out to be unenforceable, the rest still stands. You may not assign or transfer these Terms; we may assign them to a successor to the business, and any successor takes them subject to the Privacy Policy's business-transfer commitments. Sections 2, 4, 6, 7, 8, and 10 survive the closing of your account. If we don't enforce a provision right away, we haven't waived it. We may send legal notices to the email address on your account, and that counts as notice in writing. These Terms, the Privacy Policy, and — while the beta lasts — the Beta Terms are the entire agreement between us about the service, in the order of precedence Section 1 describes. The service will keep evolving; we may add, change, or retire features, and if a change materially reduces what the service does for you, the notice rules in Section 11 apply.
Marked Personal Finance, LLC — [email protected].
See also the Privacy Policy, the Beta Terms, and prior versions.