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Terms & Conditions

Last Updated: February 22, 2026

Welcome to Hinder. These Terms and Conditions (“Terms”) govern your access to and use of the Hinder mobile application and related services (collectively, the “Service”) provided by Three Nine Five Software Inc. (“we,” “us,” or “our”).

Please read these terms carefully. Section 10 contains a binding arbitration clause and class action waiver. It affects your legal rights and details how disputes will be resolved.

By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not access the Service.

1. Account Registration and Security

To use the Service, you must create an account and be at least 18 years of age. You agree to provide accurate, current, and complete information. You are solely responsible for safeguarding the credentials you use to access the Service and for any activities under your account. You agree to notify us immediately of any unauthorized use of your account.

2. Nature of the Service (Not Financial Advice)

Hinder is designed to help you organize and track your personal finances.

  • No Financial Advice: Three Nine Five Software Inc. is not a financial planner, investment advisor, or tax advisor. The Service is provided for informational purposes only.
  • No Guarantee of Accuracy: We do not guarantee the accuracy, completeness, or timeliness of financial data displayed within the app. You are solely responsible for your financial decisions and should consult with a professional advisor before making significant financial choices.

3. Financial Integrations and Power of Attorney

Hinder relies on secure third-party financial data aggregators (such as Plaid) to connect to your bank accounts and retrieve your financial data (“Account Data”).

  • Authorization and Agency: By using the Service to connect to your financial institutions, you expressly authorize and direct Three Nine Five Software Inc. and our third-party data partners, acting as your agent and on your behalf, to electronically retrieve your Account Data.
  • Limited Power of Attorney: FOR THE SOLE PURPOSE OF PROVIDING THE SERVICE, YOU GRANT US AND OUR DATA PARTNERS A LIMITED POWER OF ATTORNEY, AND APPOINT US AS YOUR ATTORNEY-IN-FACT AND AGENT, to access third-party sites, retrieve information, and perform all acts necessary to retrieve your Account Data exactly as you could do in person. You acknowledge that when retrieving this data, we are acting as your agent, and not as the agent of the financial institution.

4. Subscriptions, Auto-Renewals, and Apple Billing

Hinder may offer premium features through auto-renewing subscriptions processed directly via the Apple App Store.

  • Apple Manages Billing: Your subscription is managed entirely by Apple. Three Nine Five Software Inc. does not process your payment, nor do we have the ability to manage, cancel, or refund your App Store subscriptions on your behalf.
  • Auto-Renewal: Subscriptions automatically renew unless canceled at least 24 hours before the end of the current billing period. Your Apple ID account will be charged for renewal within 24 hours prior to the end of the current period.
  • Cancellations and Refunds: You must manage or cancel your subscriptions directly through the Account Settings on your Apple device. ALL SUBSCRIPTION FEES ARE NON-REFUNDABLE by Three Nine Five Software Inc. Any refund requests must be directed to Apple and are subject to Apple's sole discretion and policies.

5. Acceptable Use

You agree not to use the Service to:

  • Violate any applicable laws or regulations.
  • Interfere with or disrupt the security, integrity, or performance of the app or its servers.
  • Attempt to reverse engineer, decompile, or extract the source code of the Hinder application.
  • Build a competing service or resell the Service to any third party.

6. Intellectual Property

The Service, including its original content, features, design, and functionality, is and will remain the exclusive property of Three Nine Five Software Inc. and its licensors.

7. Disclaimer of Warranties

YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. THE SERVICE IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS. WE EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR FREE OF ERRORS OR INACCURATE FINANCIAL DATA.

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL THREE NINE FIVE SOFTWARE INC., ITS DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES (INCLUDING LOSS OF PROFITS, DATA, OR FUNDS) RESULTING FROM YOUR USE OF OR INABILITY TO USE THE SERVICE, ANY INACCURACIES IN ACCOUNT DATA, OR ANY UNAUTHORIZED ACCESS TO YOUR ACCOUNT, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

9. Indemnification

You agree to defend, indemnify, and hold harmless Three Nine Five Software Inc. and its employees, contractors, agents, officers, and directors from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees) arising from: (a) your use of and access to the Service; (b) your violation of any term of these Terms; or (c) your violation of any third-party right, including any privacy or intellectual property right.

10. Dispute Resolution, Binding Arbitration, and Class Action Waiver

  • Binding Arbitration: Any dispute, claim, or controversy arising out of or relating to these Terms or the breach, termination, enforcement, interpretation, or validity thereof, or the use of the Service, shall be determined by binding arbitration rather than in a court of law.
  • Class Action Waiver: YOU AND THREE NINE FIVE SOFTWARE INC. 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 another person's claims with your claims.

11. Notice Regarding Apple (EULA Requirements)

If you are using the Service via an iOS device, the following terms apply:

  • Acknowledgment: You acknowledge that these Terms are between you and Three Nine Five Software Inc. only, not with Apple, and Apple is not responsible for the Service or the content thereof.
  • Maintenance and Support: Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the Service.
  • Warranty: To the maximum extent permitted by applicable law, Apple has no warranty obligation whatsoever with respect to the Service.
  • Product Claims: Apple is not responsible for addressing any claims by you or any third party relating to the Service or your possession and/or use of the Service, including product liability claims, failure to conform to legal requirements, or consumer protection claims.
  • Intellectual Property: Apple is not responsible for the investigation, defense, settlement, or discharge of any third-party intellectual property infringement claim related to the Service.
  • Third-Party Beneficiary: Apple, and Apple's subsidiaries, are third-party beneficiaries of these Terms. Upon your acceptance of these Terms, Apple will have the right to enforce these Terms against you as a third-party beneficiary.

12. Governing Law

These Terms shall be governed and construed in accordance with the laws of the State of Washington, United States, without regard to its conflict of law provisions.

13. Contact Us

If you have any questions about these Terms, please contact us at nick@tradetheodds.ai