Terms of Service

Effective Date: April 21, 2026 · Last Updated: April 21, 2026

These Terms of Service (“Terms”) govern your access to and use of the web and mobile applications, websites, and related services (collectively, the “Services”) offered by Rounds Financial (“Rounds,” “we,” “us,” or “our”). By creating an account or using the Services, you agree to be bound by these Terms and by our Privacy Policy. If you do not agree, do not use the Services.

Please read Section 14 carefully. It requires you to resolve disputes with Rounds through binding individual arbitration and waives your right to participate in a class action.

1. The Services

Rounds provides informational financial tools designed primarily for physicians and other medical professionals, including:

• Debt account visualization, tracking, and payoff projections
• Public Service Loan Forgiveness (PSLF) eligibility tracking and payment counting
• Round-up and side-gig-based payoff projections and insights
• Editorial content, calculators, and related resources

Rounds is not a bank, lender, broker-dealer, investment adviser, tax adviser, loan servicer, or money transmitter. The Services do not move, transfer, hold, or process funds. Rounds does not initiate payments to any of your accounts. The Services provide informational outputs, projections, and tracking only.

2. Eligibility

To use the Services you must:

• Be at least 18 years old;
• Be a resident of the United States and able to enter into a binding contract;
• Not be barred from using the Services under applicable law; and
• Provide accurate, current, and complete information when requested.

3. Your Account

You create an account by signing in through a supported identity provider (currently Google). Authentication and account management are provided by our service provider Supabase. You are responsible for maintaining the confidentiality of your sign-in credentials and for all activity that occurs under your account. Notify us immediately at matt@roundsfi.com if you believe your account has been accessed without your authorization.

You may delete your account at any time through the application or by contacting us. See our Privacy Policy for how we handle your data upon deletion.

4. Linking Financial Accounts Through Plaid

To use certain features, you may choose to link one or more financial accounts through our third-party data aggregator Plaid Inc. (“Plaid”). When you do, you authorize Rounds and Plaid to access, on a read-only basis, the liability and related account information needed to provide the Services, including account names, balances, interest rates, minimum payments, and account types.

• Rounds does not receive or store your bank login credentials. Plaid handles all credential exchange directly with your financial institution.
• Rounds does not use Plaid to initiate payments, transfers, or any movement of funds. Rounds cannot debit, credit, or otherwise transact on your linked accounts.
• Your use of Plaid is also governed by the Plaid End User Privacy Policy and the Plaid End User Services Agreement.
• You may disconnect any linked account at any time through the application or through the Plaid Portal.

You represent and warrant that you are the rightful owner of, or an authorized user of, any financial account you link to the Services, and that you have the authority to grant Rounds and Plaid access to information about that account.

5. Not Financial, Legal, or Tax Advice

The Services, including any projections, estimates, calculators, PSLF tracking, round-up figures, editorial content, and related outputs, are provided for informational and educational purposes only. They are not individualized financial, legal, tax, accounting, or investment advice. They are not an offer or solicitation to buy or sell any financial product.

Projections are based on the information available to us (including data retrieved from your linked accounts via Plaid) and on assumptions that may change or may not reflect your actual circumstances. Actual outcomes, including interest accrued, payoff timelines, PSLF eligibility, and qualifying-payment counts, may differ materially from what the Services show. You should verify critical information, including PSLF counts and loan terms, directly with your loan servicer, the U.S. Department of Education, or a qualified professional before making financial decisions.

6. Acceptable Use

You agree not to, and not to attempt to:

• Use the Services for any unlawful, fraudulent, or deceptive purpose;
• Link an account that you do not own or are not authorized to access;
• Reverse engineer, decompile, or otherwise attempt to extract the source code of the Services, except to the extent that such restriction is prohibited by applicable law;
• Scrape, harvest, or bulk-export data from the Services, or interfere with the normal operation of the Services;
• Probe, scan, or test the vulnerability of the Services, or breach or circumvent any security or authentication measure;
• Use the Services to develop or train any competing product or machine-learning model;
• Use the Services in any way that infringes the intellectual property or other rights of Rounds or any third party; or
• Misrepresent your identity or affiliation, or submit false or misleading information.

7. Fees

The Services are currently provided free of charge. Rounds may introduce paid features or subscription tiers in the future. Any fees, and the payment terms for those fees, will be disclosed clearly at the time of purchase and will be incorporated into these Terms when applicable. You will not be charged for a paid feature without your express consent.

8. Intellectual Property

Rounds and its licensors own all right, title, and interest in and to the Services, including all software, content, designs, logos, and trademarks. Subject to your compliance with these Terms, Rounds grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal, non-commercial use. No other rights are granted, whether by implication, estoppel, or otherwise.

You retain ownership of any content or information you submit to the Services. By submitting content, you grant Rounds a worldwide, royalty-free, non-exclusive license to host, store, process, transmit, and use that content solely to provide and improve the Services and as otherwise described in the Privacy Policy.

9. Third-Party Services

The Services rely on third-party service providers, including Plaid (financial data aggregation), Supabase (authentication and database hosting), Google Cloud Platform (backend infrastructure), and PostHog (product analytics). The Services may also link to third-party websites or resources. Your use of a third-party service is governed by that provider’s own terms and privacy policies. Rounds is not responsible for the availability, accuracy, content, or practices of third-party services.

10. Feedback

If you send us suggestions, feedback, or ideas about the Services, you grant Rounds a perpetual, irrevocable, royalty-free, worldwide license to use that feedback for any purpose without obligation to you.

11. Termination

You may stop using the Services and delete your account at any time. Rounds may suspend or terminate your access to the Services, with or without notice, if we believe you have violated these Terms, if required by law, or if we discontinue the Services. Sections that by their nature should survive termination will survive, including Sections 5, 8, 10, 12, 13, 14, and 15.

12. Disclaimers

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTY OF ANY KIND, EXPRESS OR IMPLIED. TO THE MAXIMUM EXTENT PERMITTED BY LAW, ROUNDS DISCLAIMS ALL WARRANTIES, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. ROUNDS DOES NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, OR THAT ANY PROJECTIONS, CALCULATIONS, PSLF COUNTS, OR DATA DISPLAYED THROUGH THE SERVICES ARE ACCURATE, COMPLETE, OR CURRENT.

ANY DATA RETRIEVED FROM YOUR LINKED ACCOUNTS THROUGH PLAID ORIGINATES FROM YOUR FINANCIAL INSTITUTION. ROUNDS IS NOT RESPONSIBLE FOR ERRORS, DELAYS, OR OMISSIONS IN THAT DATA.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ROUNDS AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICES, EVEN IF ROUNDS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ROUNDS’ TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID ROUNDS FOR THE SERVICES IN THE TWELVE MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

Some jurisdictions do not allow the exclusion or limitation of certain damages. In those jurisdictions the limitations above will apply to the fullest extent permitted by law.

14. Dispute Resolution; Arbitration; Class Waiver

Please read this section carefully. It affects your legal rights.

14.1 Informal Resolution

Before filing any formal claim, you agree to try to resolve the dispute informally by contacting us at matt@roundsfi.com and giving us 60 days to respond.

14.2 Binding Arbitration

If we cannot resolve the dispute informally, you and Rounds agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Services will be resolved by final and binding individual arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules, rather than in court. The arbitrator, and not any federal, state, or local court, will have exclusive authority to resolve any dispute, including the scope, enforceability, and arbitrability of this agreement. The Federal Arbitration Act governs the interpretation and enforcement of this section.

14.3 Class Action Waiver

YOU AND ROUNDS EACH AGREE THAT ANY DISPUTE WILL BE BROUGHT ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person’s claims and may not preside over any form of representative or class proceeding.

14.4 30-Day Opt-Out

You may opt out of Sections 14.2 and 14.3 by sending written notice to matt@roundsfi.com within 30 days of first accepting these Terms. Your notice must include your name, the email associated with your account, and a clear statement that you wish to opt out of arbitration. Opting out will not affect any other part of these Terms.

14.5 Exceptions

Either party may bring an individual action in small-claims court, and either party may seek injunctive or equitable relief in court for alleged infringement or misuse of intellectual property.

15. Governing Law and Venue

These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws principles. To the extent any dispute is not subject to arbitration under Section 14, you and Rounds agree to the exclusive jurisdiction of the state and federal courts located in California, and waive any objection to venue in those courts.

16. Changes to the Services or These Terms

Rounds may modify, suspend, or discontinue the Services, or any part of them, at any time. Rounds may also update these Terms from time to time. If we make a material change, we will update the “Last Updated” date and, where appropriate, provide additional notice within the application or by email. Your continued use of the Services after a change takes effect constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Services.

17. Miscellaneous

• Entire Agreement. These Terms, together with the Privacy Policy, are the entire agreement between you and Rounds regarding the Services and supersede any prior agreements.
• Severability. If any provision of these Terms is held unenforceable, the remaining provisions will remain in full force and effect.
• No Waiver. Rounds’ failure to enforce any right or provision is not a waiver of that right or provision.
• Assignment. You may not assign or transfer these Terms without Rounds’ prior written consent. Rounds may assign these Terms without restriction.
• No Agency. Nothing in these Terms creates any agency, partnership, joint venture, or employment relationship.
• Notices. We may provide notices to you through the Services or to the email associated with your account. You may send notices to us at the address below.

18. Contact Us

Questions about these Terms? Contact us at:

Email: matt@roundsfi.com

These Terms of Service were last updated on April 21, 2026.