End User License Agreement

1. What this is

This End User License Agreement (“EULA”) is a contract between you and QuickTech LLC (an Illinois limited liability company, the “Licensor,” “we,” “us,” or “our”), the maker of the GlidePath Money desktop application (the “Software”). By installing or using the Software you accept these terms.

This EULA covers the desktop install. The Terms of Service govern your account on our marketing site and any cloud-side services (such as the sign-in tunnel and email gateway). The Privacy Policy covers what data we do and don’t collect.

2. License grant

Subject to your paid license, the Licensor grants you a perpetual, non-exclusive, non-transferable license to install and use the Software on a number of personal computers you control, not exceeding the device cap on your purchased tier:

• Personal tier: up to 3 device installs
• Personal+Business tier: up to 6 device installs

Phone or tablet access via your private subdomain doesn’t count against the device cap — only native desktop installs do. You may deactivate an old install from inside the app to free a slot when you move to a new machine.

The license is for use by one household. Multiple sign-ins on the device cap are fine (you, spouse, family members), but the data is for one household’s planning. Don’t resell access or run the Software for someone else’s household.

“Perpetual” means what it says. This license does not expire, and it does not end if your optional $39/yr maintenance subscription lapses — the app you paid for keeps working on the version you have, for good. Two things can end it: a genuine breach of this EULA, or a refund or chargeback of your original purchase — if the sale is reversed, the license that sale paid for ends with it (details in §10). One honest caveat: a perpetual license means we won’t switch it off, but it can’t guarantee the Software runs forever on future operating systems or hardware — that part is outside our control.

3. What you may not do

• Redistribute, sublicense, sell, or rent the Software
• Reverse-engineer, decompile, or disassemble the Software except as expressly permitted by applicable law (Illinois follows the federal Copyright Act exemption for interoperability research only)
• Circumvent the license activation system or any technical protection measures
• Use the Software to host or process anyone else’s financial data without their consent
• Use the Software in violation of any law, including export control laws (the Software contains cryptography subject to U.S. export regulations)

4. Updates and maintenance window

Your purchase includes 12 months of updates from the date of activation. During that window, you receive bank-parser refreshes, annual tax-rules updates, security patches, and new features.

After the 12-month window, the Software keeps working forever on the version you have. The $39/yr maintenance subscription auto-renews to keep updates flowing; you can cancel any time in one click via the in-app “Manage subscription” link or any Stripe receipt. When you cancel, your app freezes (doesn’t brick) on the most recent version you received, plus cloud-side extras (Glide AI and the phone-access bridge) stop. We email a renewal reminder 7 days before each annual charge. See Refund & cancellation for the full renewal mechanics, including our policy on accidental renewals.

5. Your data stays on your machine

The Software is local-first. Your accounts, balances, and transactions are stored as plain files in your DataFolder (%LocalAppData%/GlidePath Money/ by default on Windows). We never receive these files.

Some data does cross the network for specific features — license activation and update checks, the optional sign-in tunnel for phone access, opt-in symbol lookups for price refresh, and Glide AI questions (which never include your financial data). Two opt-in features send limited transaction-derived data: AI categorization (a transaction’s merchant, amount, date, and account type) and the email inbox (forwarded email content, parsed transiently). See the Privacy Policy for the complete list and exactly what each feature sends.

6. Backups are your responsibility

Because your data lives on your PC, you are responsible for backing it up. The Software ships with an auto-backup feature to a local folder; you should also keep an external or cloud backup of your DataFolder. We cannot recover your data if your PC fails, your disk is corrupted, or you delete the DataFolder by mistake. This is the deliberate cost of local-first architecture.

7. No financial, tax, or legal advice

The Software performs calculations and surfaces information based on inputs you provide. The output is information, not advice. Retirement projections, Monte Carlo simulations, Tax Valley analyses, balance-transfer countdowns, and any explanation provided by the Glide AI helper are educational and informational. They are not personalized financial, tax, investment, or legal advice.

You are responsible for your own financial decisions. For decisions that materially affect your financial future — major investment changes, Roth conversions, retirement timing, tax filing — consult a qualified professional (a CFP®, CPA, enrolled agent, fiduciary advisor, or attorney as appropriate).

8. Disclaimer of warranties

The Software is provided “AS IS” and “AS AVAILABLE” without warranty of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, accuracy of calculations, non-infringement, or uninterrupted operation. You assume all risk from your use of the Software.

9. Limitation of liability

To the maximum extent permitted by law, the Licensor’s total liability for any claim related to the Software is limited to the greater of $100 or the amount you paid for the Software in the 12 months preceding the claim. The Licensor is not liable for indirect, consequential, incidental, special, or punitive damages — including but not limited to lost profits, lost data, lost time, or financial losses from acting on the Software’s output. Some jurisdictions don’t allow these limitations; in those jurisdictions our liability is limited to the smallest amount the law permits.

10. Termination

Your license terminates automatically if you breach this EULA. It also ends if your original purchase is refunded or charged back — a refund reverses the sale, so the license that sale paid for ends with it: we mark it inactive on our server, and the app stops opening the next time it re-checks its license (about once a week). On termination you must stop using the Software and remove it from your devices. Your DataFolder (your data) is yours regardless; we don’t require you to delete it.

To be clear about what does not end your license: letting the optional $39/yr maintenance lapse never does. Maintenance buys updates, not access — stop renewing and the app keeps working on the version you have (it freezes, it doesn’t brick). See the Refund & Cancellation policy for the full mechanics, including refund-eligible transactions.

11. Disputes, arbitration, and governing law

Let’s try to fix it first. If something goes wrong, email [email protected] and we’ll spend up to 60 days trying to resolve it in good faith. Most issues end here.

If that doesn’t work — binding arbitration. Any dispute we can’t settle informally will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, before a single arbitrator, rather than in court. Arbitration is less formal than a lawsuit, and the arbitrator can award the same damages a court could.

No class actions. Disputes are handled individually. You and QuickTech LLC each waive any right to bring or join a class action, collective action, or other representative proceeding, and the arbitrator may not consolidate more than one person’s claims.

You can opt out. If you’d rather not be bound by arbitration, email [email protected] within 30 days of your purchase with “Arbitration opt-out” and your name. No penalty, and the rest of this EULA still applies.

Small claims is always fine. Either of us can still bring an individual claim in small-claims court instead of arbitration.

Governing law. This EULA is governed by the laws of the State of Illinois, USA, without regard to its conflict-of-laws rules. For anything that does end up in court — a small-claims matter, or enforcing an arbitration award — the courts of Illinois have jurisdiction and both parties waive jury-trial rights. If the class-action waiver above is ever found unenforceable, that single dispute proceeds in those Illinois courts rather than in arbitration.

Your consumer rights still win. Some consumer-protection laws give you rights you can’t sign away — and nothing in this section is meant to take those. If any part of it (the arbitration, class-waiver, governing-law, or forum language) can’t legally apply to you or your claim, it bends to whatever the law allows, and the rest of this EULA stays in force.

12. Changes to this EULA

We may update this EULA. Material changes will be announced by email to the address on your license, with at least 30 days’ notice before the change takes effect. You may decline a material change by requesting a refund (subject to the refund policy); continued use of the Software after the effective date is acceptance of the updated EULA.

13. The legal bits

Severability: if any part of this EULA is found unenforceable, the rest stays in effect.

Entire agreement: this EULA, together with the Terms of Service and Privacy Policy, is the whole agreement between you and the Licensor about the Software and replaces any earlier understandings.

Assignment: you may not transfer this EULA or your license without the Licensor’s written okay. The Licensor may transfer it to a successor — for example, if QuickTech LLC is acquired or reorganized — and will let you know if that happens.

Contact

QuickTech LLC · Illinois, USA. Questions about this EULA: [email protected] or [email protected]. Mailing address available on request for legal notices.