Terms of use

---

Effective Date: April 20, 2025
Last Updated: April 20, 2025

Thank you for using Bloomm, a mobile application developed and operated by 25 Points LLC, a California-based research and technology company. These Terms of Service (“Terms”) govern your use of Bloomm and any services provided through it. Please read them carefully.

By accessing or using Bloomm, you agree to be bound by these Terms. If you do not agree, do not use the app.

Bloomm is a financial wellness and habit-building app provided by 25 Points LLC ("we," "us," or "our"). Our company is headquartered in San Francisco, California. Bloomm helps users track expenses, manage recurring payments, and plan for financial goals.

To use Bloomm, you must:

• Be at least 18 years old or the age of majority in your jurisdiction.
• Have the legal capacity to enter into a binding agreement.
• Agree to these Terms and our Privacy Policy.

Use of Bloomm is prohibited in jurisdictions where it would violate local laws or regulations.

You agree to:

• Provide accurate and complete information when creating your account.
• Use Bloomm only for lawful, personal, and non-commercial purposes.
• Maintain the confidentiality of your login credentials.
• Immediately notify us of any unauthorized use of your account.

You may not:

• Use Bloomm to commit fraud or misrepresent financial information.
• Reverse engineer, decompile, or attempt to extract the source code of the app.
• Introduce viruses, malware, or otherwise disrupt the app or our services.
• Use the app in a way that violates the rights of any third party.

We aim to provide a reliable service, but we do not guarantee uninterrupted or error-free access to Bloomm. We may modify, suspend, or discontinue parts of the app at any time without notice. We are not liable for any disruption or loss of data related to such changes.

By using Bloomm, you consent to our collection, use, and sharing of your data as described in our Privacy Policy.

We take reasonable measures to protect your personal and financial information. However, you understand that no method of transmission over the internet or electronic storage is fully secure.

All content, features, and functionality of Bloomm (including text, graphics, logos, and software) are the property of 25 Points LLC or its licensors and are protected by applicable intellectual property laws.

You may not reproduce, distribute, or create derivative works from Bloomm’s content without prior written permission.

Bloomm may integrate with third-party tools or services (e.g., analytics, payment processors, banking APIs). We are not responsible for the content, accuracy, or policies of those third-party providers.

Your use of those services is subject to their separate terms.

Bloomm is provided on an “as is” and “as available” basis.
To the maximum extent permitted by law, 25 Points LLC disclaims all warranties, express or implied, including:

• Fitness for a particular purpose
• Non-infringement
• Accuracy of financial projections or insights

You assume full responsibility for how you use the app, and any financial decisions you make are at your own risk.

To the extent permitted by law, 25 Points LLC will not be liable for:

• Any indirect, incidental, special, or consequential damages
• Loss of data, income, or profits arising from your use or inability to use the app
• Any decision you make based on information provided in the app

Our total liability for any claims related to the app shall not exceed one hundred U.S. dollars (USD $100).

We may suspend or terminate your access to Bloomm at our discretion, including if you violate these Terms. You may stop using Bloomm at any time by deleting your account or uninstalling the app.

Upon termination, your right to use the app will immediately cease, and any remaining obligations under these Terms will survive.

We may revise these Terms from time to time. If we make material changes, we’ll notify you via the app or email. Your continued use after the effective date of the updated Terms constitutes your acceptance.

These Terms are governed by the laws of the State of California, without regard to conflict of laws principles. You agree to submit to the exclusive jurisdiction of the state and federal courts located in San Francisco, California.

For questions, complaints, or legal inquiries, please contact us at:
25 Points LLC

95 3RD ST FL 2ND
San Francisco, California
📧 support@25points.com