Terms & Conditions

Last updated: June 13, 2026 · Effective date: June 13, 2026

Please read carefully. These Terms form a binding contract between you and NEWPOINT LABS LLC. They include important provisions about subscriptions billed through the Apple App Store or Google Play Store, disclaimers, limitation of liability, and (for U.S. residents) an individual-arbitration clause and class-action waiver. Section 21 explains how to opt out of arbitration.

1. Acceptance of Terms

These Terms & Conditions (the "Terms") govern your access to and use of the newpointlabs.com mobile application (the "App"), the newpointlabs.com website, and related services (collectively, the "Service") provided by NEWPOINT LABS LLC ("newpointlabs.com," "we," "us," or "our"). By downloading, installing, accessing, or using the Service, you agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Service.

2. Eligibility and accounts

To use the Service you must be at least 18 years old (or the age of majority in your jurisdiction) and have the legal authority to enter into a binding contract and to authorize access to the financial accounts you connect. You are responsible for keeping your login credentials confidential and for all activity that occurs under your account. Notify us immediately if you believe your account has been compromised.

3. Description of the Service

newpointlabs.com is a personal-finance tool that helps you understand your spending, set budgets, and track recurring payments by displaying transaction and account data that you authorize us to retrieve from your financial institutions through Plaid Inc. ("Plaid"). The Service is for personal, non-commercial use.

4. License to use the App (End User License Agreement)

Subject to your compliance with these Terms, we grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to download and use the App on a device that you own or control, solely for your personal, non-commercial use. The App is licensed, not sold, to you. All rights not expressly granted are reserved by NEWPOINT LABS LLC and its licensors.

5. Acceptable use

You agree that you will not, and will not allow others to:

Reverse-engineer, decompile, disassemble, or attempt to derive the source code of the App, except to the extent that law expressly prohibits such restrictions;
Copy, modify, translate, or create derivative works of the App;
Remove, obscure, or alter any proprietary notices;
Use the Service to infringe intellectual-property or privacy rights, or to send unlawful or harmful content;
Introduce malware or attempt to bypass security or access controls;
Use automated means (scraping, bots) to access the Service without our written permission;
Use the Service to provide competing financial products or to aggregate data for third parties;
Connect a financial account that you are not authorized to use; or
Use the Service in any jurisdiction where it is not lawful.

6. Financial data and Plaid

When you link a bank account, you are routed through a flow operated by Plaid. You enter your credentials directly with your financial institution via Plaid; newpointlabs.com never sees or stores your bank login credentials. By using the Service you expressly:

Authorize Plaid and newpointlabs.com, as your agents, to access your financial accounts and retrieve account and transaction data from the financial institutions you designate;
Authorize newpointlabs.com to refresh that data periodically so long as your account is connected;
Acknowledge that your use of Plaid is additionally subject to the Plaid End User Privacy Policy;
Understand that you can disconnect any financial institution at any time from inside the App (Profile → Connected Banks), which revokes the corresponding Plaid access token.

Financial institutions may change how they make data available, or restrict Plaid's access, and we cannot guarantee uninterrupted availability of your data.

7. Subscriptions, free trial, and billing

Some features of the Service are offered on a monthly subscription basis. Subscriptions are sold through the Apple App Store (for iOS/iPadOS) or the Google Play Store (for Android). When you subscribe, Apple or Google — not newpointlabs.com — is the seller of record, processes your payment, and retains your payment information. The current price is $7.99 / month and will be displayed to you in the App before you confirm a purchase.

7.1 Free trial

We may offer a 7-day free trial period. Unless you cancel at least 24 hours before the trial ends, the subscription will automatically convert to a paid plan and the applicable fee will be charged to your Apple ID or Google account. If you have previously redeemed a free trial, you may not be eligible for another.

7.2 Auto-renewal

Subscriptions automatically renew at the end of each billing period at the then-current rate unless you cancel auto-renewal at least 24 hours before the end of the current period. You can manage and cancel auto-renewal in your Apple ID or Google account settings, as described in Sections 8 and 9.

7.3 Price changes

We may change subscription pricing. Any price changes will be disclosed to you in advance and, where required, will take effect only after your affirmative consent.

7.4 Refunds

Because Apple and Google handle billing, refund requests are handled by them under their respective policies:

Apple: reportaproblem.apple.com
Google Play: play.google.com/store/account/subscriptions

Where required by applicable consumer-protection law (for example, the EU/UK 14-day cooling-off period), additional rights may apply. By starting an auto-renewing subscription or a free trial and using the App during the cooling-off period, you expressly request that we begin performance of the subscription immediately and acknowledge that you may lose your right of withdrawal once the service has been fully performed.

8. Apple App Store billing terms

If you purchase a subscription through the Apple App Store, the following apply:

Payment will be charged to your Apple ID at confirmation of purchase.
Subscription automatically renews unless auto-renew is turned off at least 24 hours before the end of the current period.
Your account will be charged for renewal within 24 hours prior to the end of the current period at the then-current subscription rate.
You can manage your subscription and turn off auto-renewal in your Apple ID account settings.
Any unused portion of a free trial, where offered, will be forfeited when you purchase a subscription to that publication, if applicable.
The length and price of the subscription, along with the description of what's included, are displayed on the purchase screen in the App.
Links to our Terms of Use and Privacy Policy are provided in the App and on the App Store listing.

9. Google Play billing terms

If you purchase a subscription through the Google Play Store, the following apply:

Payment will be charged to your Google account at confirmation of purchase.
Subscription automatically renews unless auto-renew is turned off at least 24 hours before the end of the current period.
Your account will be charged for renewal within 24 hours prior to the end of the current period at the then-current subscription rate.
You can manage and cancel subscriptions in Google Play → Subscriptions.
Cancelling a subscription stops future renewals; access to paid features remains until the end of the current billing period.

10. Not a financial advisor

newpointlabs.com is a software tool, not a financial advisor, tax advisor, broker, bank, money transmitter, or investment adviser. Information provided in the App, including categorizations, budgets, and projections, is for informational and educational purposes only and should not be relied upon as the sole basis for any financial decision. Always consult a qualified professional for advice about your specific situation.

11. Intellectual property

The Service and all content we make available through it — including the App, the website, the newpointlabs.com name and logo, text, graphics, images, and software — are owned by NEWPOINT LABS LLC or its licensors and are protected by intellectual-property laws. These Terms do not grant you any right or license in our trademarks, trade names, or service marks.

12. Feedback

If you submit ideas, suggestions, or feedback about the Service, you grant us a perpetual, worldwide, royalty-free, sublicensable license to use, reproduce, modify, and incorporate them into the Service without compensation or attribution.

13. Third-party services

The Service integrates third-party services including Plaid, Google Firebase, Apple Push Notification service, Apple App Store, and Google Play. Your use of those services is governed by their own terms, and we are not responsible for their performance, availability, or accuracy.

14. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT DATA RETRIEVED THROUGH PLAID OR FROM YOUR FINANCIAL INSTITUTIONS WILL ALWAYS BE ACCURATE, COMPLETE, OR UP TO DATE.

15. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL NEWPOINT LABS LLC OR ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUES, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH THE SERVICE. OUR TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (i) THE AMOUNTS YOU HAVE PAID TO US IN THE TWELVE (12) MONTHS BEFORE THE CLAIM AROSE OR (ii) USD 50.00. NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED BY LAW (SUCH AS LIABILITY FOR GROSS NEGLIGENCE, FRAUD, OR DEATH OR PERSONAL INJURY CAUSED BY OUR NEGLIGENCE).

16. Indemnification

You agree to indemnify and hold harmless NEWPOINT LABS LLC and its affiliates, officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or related to your violation of these Terms, your misuse of the Service, or your infringement of any third-party right.

17. Termination

You may stop using the Service at any time and delete your account from Profile → Delete account. We may suspend or terminate your access to the Service at any time if we reasonably believe you have violated these Terms, if required by law, or if continuing to provide the Service becomes impractical. Sections that by their nature should survive termination (including sections 10, 11, 14–16, 19–22) will survive.

18. Changes

We may update these Terms from time to time. When we do, we will update the "Last updated" date at the top and, for material changes, provide reasonable advance notice (e.g., in-app message or email). If you continue to use the Service after the effective date of the updated Terms, you accept the changes. If you do not agree, stop using the Service.

19. Additional terms for Apple App Store users

If you downloaded the App from the Apple App Store, the following additional terms apply and, to the extent they conflict with any other term, control only to the extent required by Apple's Licensed Application End User License Agreement:

Parties. These Terms are concluded between you and NEWPOINT LABS LLC only, and not with Apple Inc. ("Apple"). NEWPOINT LABS LLC — not Apple — is solely responsible for the App and its content.
Scope of license. The license granted in Section 4 is restricted to use of the App on any Apple-branded device that you own or control and as permitted by the Usage Rules set forth in the Apple Media Services Terms and Conditions, except that the App may be accessed and used by other accounts associated with you via family sharing or volume purchasing.
Maintenance and support. NEWPOINT LABS LLC is solely responsible for providing any maintenance and support services with respect to the App. Apple has no obligation to furnish any maintenance or support services.
Warranty. NEWPOINT LABS LLC is solely responsible for any product warranties, express or implied by law, to the extent not effectively disclaimed. If the App fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price of the App to you; to the maximum extent permitted by law, Apple will have no other warranty obligation whatsoever with respect to the App.
Product claims. NEWPOINT LABS LLC, not Apple, is responsible for addressing any claims relating to the App or your possession and/or use of it, including (i) product liability claims; (ii) any claim that the App fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer protection, privacy, or similar legislation.
Intellectual-property claims. In the event of any third-party claim that the App or your possession and use of it infringes that third party's intellectual-property rights, NEWPOINT LABS LLC — not Apple — will be solely responsible for the investigation, defense, settlement, and discharge of any such claim.
Legal compliance. You represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.
Third-party beneficiary. You and NEWPOINT LABS LLC acknowledge and agree that Apple, and Apple's subsidiaries, are third-party beneficiaries of these Terms, and that, upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.

20. Additional terms for Google Play users

If you downloaded the App from the Google Play Store, your use is additionally subject to the Google Play Terms of Service. Google is a third-party beneficiary of these Terms to the extent required by the Google Play Developer Distribution Agreement, and Google has the right to enforce the relevant provisions of these Terms against you. You acknowledge that Google has no responsibility to provide maintenance or support for the App, and that any claims relating to the App are between you and NEWPOINT LABS LLC.

21. Dispute resolution and arbitration (U.S. residents)

If you reside in the United States, you and NEWPOINT LABS LLC agree to resolve any dispute arising out of or relating to these Terms or the Service through binding, individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, and not in court, except that (i) either party may bring a claim in small-claims court for disputes within the court's jurisdiction; and (ii) claims of intellectual-property infringement may be brought in court.

Class-action waiver. You and NEWPOINT LABS LLC agree that each may bring claims against the other only in your or its individual capacity and not as a plaintiff or class member in any purported class or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not otherwise preside over any form of a representative or class proceeding.

Opt-out. You may opt out of this arbitration agreement by sending a written notice of your decision to opt out to newpoint.itgroup@gmail.com within 30 days of first accepting these Terms. Your notice must include your name, the email address associated with your account, and a clear statement that you want to opt out. Opting out will not affect any other portion of these Terms.

22. Governing law and general terms

These Terms are governed by the laws of the State of Florida, United States, without regard to conflict-of-laws rules. For users in the European Economic Area and the United Kingdom, mandatory consumer protections of your country of residence continue to apply. If any provision is held unenforceable, the remainder of these Terms will remain in effect. Our failure to enforce any right is not a waiver of that right. You may not assign these Terms without our prior written consent; we may assign them in connection with a merger, acquisition, or sale of assets. These Terms, together with our Privacy Policy and any in-product disclosures, are the entire agreement between you and NEWPOINT LABS LLC regarding the Service.

23. Contact

Questions about these Terms? Contact us at newpoint.itgroup@gmail.com.

Postal address:
7901 4TH ST N
STE 300
ST. PETERSBURG, FL 33702