DIY Finance

Member Center

Membership Agreement

Version 2.2Effective September 9, 2026Contact: support@diyfinance.app

Legal entity: Mission Finance, Inc. d/b/a DIY Finance (“DIY Finance,” “we,” “us,” or “our”)

This Membership Agreement governs the relationship between DIY Finance and each registered individual (“Member,” “you,” or “your”). By affirmatively creating a Member account or otherwise accepting this Agreement through the registration flow, you agree to this Agreement and the documents incorporated by reference.

1. Membership

All registered account holders are Members. Membership may include digital tools, educational content, financial-well-being features, automated experiences, support, and other services offered from time to time. Features may be added, modified, suspended, or retired as the service evolves.

Some Members may purchase optional paid entitlements, including DIY Finance Live, subject to the applicable offer and paid-membership terms.

2. Eligibility and account integrity

You must be at least 18 years old and legally capable of entering into a binding agreement to create a Member account, unless DIY Finance expressly offers a separate legally compliant experience for younger individuals.

You must provide information that is accurate to the best of your knowledge, maintain reasonable control over your account and authentication methods, promptly correct materially inaccurate information, and use the service lawfully.

A Member account is personal and may not be transferred or shared in a manner that compromises security or permits unauthorized access to another person’s financial information.

3. Member responsibility and decision-making

The service is designed to help Members understand information, explore alternatives, organize financial information, evaluate possible tradeoffs, and consider possible actions. Unless a separate written agreement expressly states otherwise, you remain responsible for your financial decisions and for confirming information before acting on it.

Nothing in this Agreement gives DIY Finance discretionary authority over your assets or financial accounts.

4. Educational and informational nature

Unless a separate written agreement expressly establishes a regulated professional relationship, general membership does not provide legal, tax, accounting, brokerage, investment-advisory, fiduciary, lending, insurance, banking, or other regulated professional advice.

Educational materials, estimates, scenarios, guidance, automated outputs, and possible actions may be based on incomplete information, third-party data, assumptions, and uncertain future conditions and may not be appropriate for every Member.

5. Automated systems

The service may use automated systems, rules-based technology, machine learning, artificial intelligence, external data sources, and governed computational methods to organize information, produce estimates, identify possible priorities, provide explanations, or support Member interactions.

Automated outputs may be incomplete, incorrect, or affected by assumptions, stale information, or third-party data. Material financial calculations are estimates unless expressly identified otherwise. You should review important information and seek appropriate professional assistance when circumstances warrant.

See the Automated Systems Transparency Statement.

6. Financial data and third-party connections

If you choose to connect financial accounts or third-party services, you authorize the collection, use, and processing of information necessary to provide the connected functionality, subject to the Privacy Policy, Financial Data & Connections terms, and applicable third-party terms.

Connected data can be incomplete, stale, duplicated, delayed, estimated, or unavailable. You remain responsible for reviewing material financial information before relying on it.

7. Fees, paid memberships, renewal, and cancellation

Core membership and optional paid entitlements may have different eligibility requirements, prices, billing cycles, renewal terms, cancellation terms, or limits. The applicable commercial terms will be clearly disclosed before purchase.

If a paid membership automatically renews, DIY Finance will obtain the affirmative consent, provide required renewal disclosures and reminders, and provide a simple cancellation method as required by applicable law. A Member who enrolls online will be able to cancel online without unnecessary obstruction.

Except where required by law or expressly stated in the applicable offer, fees already earned or incurred are nonrefundable.

See Paid Membership, Renewal & Cancellation Terms.

8. Electronic records and communications

Membership is designed to operate digitally. You consent to receive agreements, disclosures, notices, confirmations, changes to terms, billing communications, and other legally required or service-related records electronically in accordance with the Electronic Communications Consent.

DIY Finance generally does not send routine paper statements or notices unless required by law, requested under an applicable electronic-record right, or specifically agreed in writing.

9. Changes to governing terms

DIY Finance may update this Agreement or incorporated terms prospectively as the service, law, or business changes.

When legally required or when a change materially affects Member rights or obligations, DIY Finance will provide advance electronic notice. If applicable law requires affirmative consent to a change, DIY Finance will obtain it before the change becomes binding.

A material change to the arbitration provision, liability limitation, paid renewal terms, or other significant dispute or economic right will not apply retroactively to a dispute based on events that occurred before the change became effective, unless the Member expressly agrees otherwise after the dispute arises or applicable law permits the change.

The version and effective date presented to the Member at acceptance will be retained in DIY Finance’s records.

10. Account suspension and termination

DIY Finance may restrict, suspend, or terminate access when reasonably necessary to protect Members, the service, our systems, third parties, or legal/compliance obligations; address suspected fraud or misuse; or enforce applicable terms.

Members may close their accounts subject to lawful retention, fraud-prevention, security, dispute, billing, and regulatory obligations.

11. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. DIY FINANCE DISCLAIMS WARRANTIES NOT EXPRESSLY PROVIDED IN WRITING, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

DIY FINANCE DOES NOT GUARANTEE THAT USE OF THE SERVICE WILL IMPROVE A MEMBER’S FINANCIAL CONDITION, REDUCE DEBT, INCREASE SAVINGS OR INVESTMENTS, PRODUCE INVESTMENT RETURNS, PREVENT LOSSES, OR ACHIEVE ANY PARTICULAR FINANCIAL RESULT.

Nothing in this section excludes a warranty or right that applicable law does not permit DIY Finance to disclaim.

12. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, DIY FINANCE AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES; LOST PROFITS; LOST OPPORTUNITIES; LOSS OF DATA; OR LOSSES ARISING FROM MARKET MOVEMENTS, MEMBER DECISIONS, THIRD-PARTY SERVICES, OR RELIANCE ON ESTIMATES OR AUTOMATED OUTPUTS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE AGGREGATE LIABILITY OF DIY FINANCE ARISING OUT OF OR RELATING TO GENERAL MEMBERSHIP OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) ONE HUNDRED U.S. DOLLARS ($100) OR (B) THE TOTAL MEMBERSHIP FEES ACTUALLY PAID BY THE MEMBER TO DIY FINANCE DURING THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

These limitations do not apply to liability that cannot lawfully be limited or excluded. Separate regulated-service agreements may contain different liability provisions that control for those services.

13. Dispute resolution: notice, informal resolution, mediation, and individual arbitration

PLEASE READ THIS SECTION CAREFULLY. EXCEPT FOR THE EXCEPTIONS DESCRIBED BELOW, IT REQUIRES INDIVIDUAL ARBITRATION OF COVERED DISPUTES AND LIMITS THE FORUMS IN WHICH A COVERED DISPUTE MAY BE RESOLVED.

13.1 Notice of Dispute

Before initiating arbitration or litigation concerning a covered dispute, the complaining party must send an individual written Notice of Dispute that includes the party’s name, contact information, a description of the claim and relevant facts, the requested relief, and information reasonably sufficient to identify the Member account or transaction at issue.

A Member may submit a Notice of Dispute using the then-current legal-notice method identified in the Member Service Center. DIY Finance will use the Member’s current account contact information for any corresponding notice it sends.

The parties will keep the legal-notice method reasonably accessible and will not require ordinary customer-service correspondence to satisfy this formal Notice of Dispute requirement.

13.2 Informal resolution period

The parties will attempt in good faith to resolve the dispute informally for at least sixty (60) days after receipt of a complete Notice of Dispute. Either party may request an individual telephone or video conference during this period.

Applicable limitation periods will be tolled during the mandatory informal-resolution period to the extent permitted by law.

13.3 Individual mediation

If the dispute is not resolved informally, either party may require one non-binding individual mediation session before a demand for arbitration or non-exempt court action is filed, except where prohibited by law or where emergency relief is legally appropriate.

The mediation may occur remotely. If the parties cannot agree on a mediator within a reasonable time, either party may request mediation administered under the then-current American Arbitration Association Consumer Arbitration Rules and Mediation Procedures. Allocation of mediation fees will comply with applicable consumer-law and provider requirements.

13.4 Binding individual arbitration

If the dispute remains unresolved after the required pre-dispute process, legally eligible covered disputes will be resolved by binding individual arbitration administered by the American Arbitration Association (AAA) under its then-current Consumer Arbitration Rules and Mediation Procedures.

The Federal Arbitration Act governs the interpretation and enforcement of this arbitration agreement to the extent applicable.

The arbitrator may award any individual relief available under applicable law that the parties have not validly limited by agreement. The arbitration hearing may be conducted remotely unless the arbitrator determines that an in-person hearing is required. Any in-person consumer hearing will occur at a location reasonably convenient to the Member unless the parties agree otherwise.

DIY Finance will pay arbitration fees to the extent required by the AAA Consumer Arbitration Rules, the Consumer Due Process Protocol, or applicable law.

13.5 Individual proceedings; no class adjudication

To the maximum extent permitted by law, each party may bring covered claims only in that party’s individual capacity and not as a plaintiff or class member in a class, collective, or representative adjudication.

This provision does not prohibit the arbitration administrator from using administrative procedures applicable to multiple individually filed claims, and it does not waive any right that applicable law makes non-waivable.

13.6 Exceptions and protected rights

This arbitration agreement does not prevent either party from bringing an eligible individual claim in small-claims court.

It does not prevent a Member from contacting or filing a complaint with a government agency.

It does not require arbitration where applicable law prohibits a pre-dispute arbitration agreement or joint-action waiver, including rights arising under the Ending Forced Arbitration of Sexual Assault and Sexual Harassment Act where applicable.

It does not waive public injunctive relief or another remedy to the extent applicable law makes that remedy non-waivable or requires a particular forum.

Either party may seek temporary or emergency injunctive relief from a court of competent jurisdiction where necessary to prevent imminent misuse, security compromise, fraud, or irreparable harm while the underlying dispute is otherwise handled under this Section.

13.7 Thirty-day arbitration opt-out

A new Member may opt out of the arbitration provisions of this Section by sending an individual written opt-out notice through the legal-notice method identified in the Member Service Center within thirty (30) days after first accepting this Agreement. The notice must identify the Member and clearly state that the Member is opting out of arbitration. Opting out of arbitration will not affect the Member’s other rights or access to general membership.

An opt-out applies only to the Member who timely submitted it and does not opt the Member out of the separate pre-dispute notice and informal-resolution requirements to the extent those requirements are enforceable outside arbitration.

13.8 Arbitration changes

If DIY Finance materially changes this arbitration provision after a Member has accepted it, DIY Finance will provide advance notice and obtain any consent required by applicable law. A material arbitration change will not retroactively govern a dispute based on events occurring before the change’s effective date unless legally permitted and appropriately accepted.

14. Governing law

Except for the arbitration provision, which is governed by the Federal Arbitration Act to the extent applicable, this Agreement is governed by the laws of the District of Columbia, without regard to conflict-of-law rules, except that mandatory consumer-protection laws of the Member’s jurisdiction remain applicable where they cannot lawfully be waived by contract.

For disputes that are not subject to arbitration, the parties may bring an action in any court of competent jurisdiction permitted by applicable law. This provision does not restrict an eligible small-claims action.

15. Entire agreement; hierarchy; severability

This Agreement, the Terms of Service, Privacy Policy, Electronic Communications Consent, applicable paid-membership terms, and disclosures presented in connection with a specific feature or service constitute the applicable agreement regarding general membership.

If a separate regulated-service agreement applies, that agreement controls for the regulated service to the extent of a conflict. If a specific paid-membership offer conflicts with general membership terms solely as to price, term, renewal, cancellation, or included benefits, the specific offer controls for those commercial terms.

If a provision is held unenforceable, it will be enforced to the maximum extent permitted by law and the remaining provisions will continue in effect unless applicable law requires otherwise. If a class-action waiver is held unenforceable with respect to a particular claim or remedy and applicable law requires that claim or remedy to proceed in court, that claim or remedy will be severed from arbitration to the extent required.

16. Separate regulated relationships

If DIY Finance or an affiliate later provides investment-advisory, brokerage, banking, lending, insurance, money-movement, or another regulated financial service, the service may require separate agreements, disclosures, consents, identity verification, suitability or fiduciary processes, and regulatory rights. Those documents control for the regulated service to the extent of a conflict with this general Membership Agreement.

17. Digital-first service

DIY Finance is designed to operate digitally. Routine paper statements and printed notices are not part of the standard service. Where applicable law requires paper delivery, a paper option, or a particular method of consent or withdrawal, DIY Finance will follow those requirements.

18. Contact and legal notices

General Member support is available through the Member Service Center.

Legal notices to DIY Finance may be sent to the following: