These Terms of Use ("Terms") form a binding agreement between you ("you," "your," or "User") and AGM Apps ("we," "our," or "us") regarding your use of the Real-Time Salary Tracker mobile application for iOS (the "App").
By downloading, installing, accessing, or using the App, you confirm that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy. If you do not agree, do not install or use the App.
These Terms are entered into between you and AGM Apps. Apple Inc. is not a party to these Terms and is not responsible for the App or its content, except as expressly stated in Section 17 (Apple-Specific Terms).
Real-Time Salary Tracker is a personal finance utility that helps users visualize and track their earnings in real time. Core features include:
The App is a tracking and visualization tool. It is not a payroll system, accounting platform, tax advisor, or financial planner.
You must be at least 13 years old (or the minimum age of digital consent in your jurisdiction, whichever is higher) to use the App. If you are under the age of majority in your jurisdiction, you may only use the App with the consent and supervision of a parent or legal guardian who agrees to be bound by these Terms.
By using the App, you represent that you meet these requirements and that you have the legal capacity to enter into a binding agreement.
Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to download and use the App on any iOS device that you own or control, solely for your personal, non-commercial use, as permitted by the Apple App Store Terms of Service.
This license does not include any rights to resell or commercially use the App, distribute it, or use it on behalf of any third party.
You agree that you will not, and will not permit any third party to:
The App offers an optional auto-renewing subscription called "Real-Time Salary Plus" (currently US $0.99/month or local equivalent). The Plus tier currently includes 30 AI credits per month (used for Invoice Scanner and Discover features), an ad-free experience, and access to Plus-only features as described in the App.
Eligible new subscribers may receive a one-month free trial of Real-Time Salary Plus. Free-trial eligibility is determined by Apple and is generally offered only once per Apple ID. At the end of the free trial, your subscription automatically converts to the paid auto-renewing subscription at the then-current price (currently US $0.99/month or local equivalent) unless you cancel at least 24 hours before the trial ends. You may cancel at any time during the trial in your device Settings; if you cancel before the trial period ends, you will not be charged. Any unused portion of a free trial is forfeited when you purchase a subscription, where applicable.
Payment will be charged to your Apple ID account at confirmation of purchase (or, if you are on a free trial, when the trial ends and the subscription converts to a paid subscription). Subscriptions automatically renew at the same price unless auto-renewal is turned off at least 24 hours before the end of the current billing period. Your account will be charged for renewal within 24 hours prior to the end of the current period.
You can manage or cancel your subscription at any time by going to Settings → [Your Name] → Subscriptions on your iOS device. Cancellation takes effect at the end of the current paid period; you will retain Plus features until that date.
All subscription fees are processed by Apple and are subject to Apple's refund policy. AGM Apps cannot directly issue refunds for App Store purchases. To request a refund, visit reportaproblem.apple.com.
We may change subscription prices or Plus benefits with reasonable advance notice. Apple will notify you of any price increase and request your consent before continuing your subscription at the new price, where required.
Plus AI credits reset monthly and do not roll over. AI credits have no cash value, are non-transferable, and are not refundable individually.
The App includes AI-assisted features powered by third-party large language models (currently Anthropic Claude and Google Gemini), routed through our Firebase Cloud Functions.
Important: AI-generated output may be inaccurate, incomplete, outdated, or misleading. You are solely responsible for verifying any information returned by the App before relying on it.
The Invoice Scanner extracts text from receipts and invoices you choose to upload. It is intended as a convenience and may misread totals, dates, line items, or tax amounts. Always double-check parsed values before saving or acting on them.
The Discover feature uses AI to estimate public-figure earnings based on publicly reported information. Salary figures are estimates only and should not be treated as verified facts, financial advice, or insider information. Cached results may not reflect the most recent reporting.
Nothing in the App — AI-generated or otherwise — constitutes financial, tax, legal, accounting, or investment advice. Consult a qualified professional before making financial decisions.
The App, including its source code, design, graphics, text, logos, branding, and all related intellectual property, is owned by AGM Apps and is protected by United States and international copyright, trademark, and other intellectual property laws.
Except for the limited license granted in Section 4, no rights are granted to you in or to the App, our trademarks, or any related content. All rights not expressly granted are reserved.
Salary entries, schedules, notes, scanned invoices, and other data you enter into the App ("User Content") remain your property. We do not claim ownership of your User Content.
Your User Content is stored locally on your device. When you use AI features, relevant snippets of User Content may be transmitted to our Cloud Functions and AI providers solely to fulfill the requested operation, as described in our Privacy Policy.
You represent that you have the legal right to upload or process any User Content (including invoices, receipts, and images) you submit to the App.
The App integrates with third-party services, including Apple App Store, Apple StoreKit, Google Firebase (Analytics, Cloud Functions, Firestore, Remote Config), Google AdMob, Google AI (Gemini), Anthropic (Claude), Unity Ads, and Liftoff/Vungle.
Your use of these services through the App is subject to the respective provider's terms and privacy policies. We are not responsible for the practices of third parties.
The free version of the App is supported by advertising. Some features may grant temporary access or AI credits in exchange for watching a rewarded video ad. Ads are served by third parties and may be personalized based on your consent choices (see our Privacy Policy and the in-app GDPR / ATT consent prompts).
We do not guarantee that any specific ad will be available, complete successfully, or grant any specific reward. Reward eligibility is determined by the ad network's callback to the App.
THE APP IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.
WE DO NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, OR THAT ANY DATA — INCLUDING CALCULATIONS, AI-GENERATED RESULTS, OR CACHED FIGURES — WILL BE ACCURATE OR RELIABLE.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL AGM APPS, ITS OWNERS, OR ITS AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF OR INABILITY TO USE THE APP.
OUR TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE APP WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) US $20.
SOME JURISDICTIONS DO NOT ALLOW THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE LIMITATION MAY NOT APPLY TO YOU.
You agree to defend, indemnify, and hold harmless AGM Apps and its owners from and against any claims, damages, obligations, losses, liabilities, costs, or debt (including reasonable attorneys' fees) arising from: (a) your use of the App; (b) your violation of these Terms; (c) your violation of any third-party right, including without limitation any intellectual property, publicity, or privacy right; or (d) any User Content you submit through the App.
PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES YOU AND AGM APPS TO RESOLVE MOST DISPUTES BY INDIVIDUAL BINDING ARBITRATION RATHER THAN IN COURT, AND IT CONTAINS A CLASS ACTION WAIVER AND A JURY TRIAL WAIVER. YOU MAY OPT OUT OF ARBITRATION WITHIN 30 DAYS AT NO COST — SEE SECTION 15.9.
These Terms, and any dispute arising out of or relating to them or to the App, are governed by the laws of the State of Florida, United States, without regard to its conflict-of-laws principles. Sections 15.3 through 15.9 are governed by the Federal Arbitration Act, 9 U.S.C. §§ 1–16. The United Nations Convention on Contracts for the International Sale of Goods does not apply.
If you are a consumer resident in the European Economic Area, the United Kingdom, or Switzerland, nothing in this Section deprives you of the protection of the mandatory consumer-protection provisions of the law of the country where you habitually reside, and you may bring proceedings in the courts of that country. Sections 15.3, 15.4, and 15.5 do not apply to you.
Before starting arbitration or any other formal proceeding, you and AGM Apps agree to try in good faith to resolve the dispute informally for at least sixty (60) days. To begin, send an individually signed Notice of Dispute to [email protected] with the subject line "Notice of Dispute," containing: (a) your full name and mailing address; (b) the email address or store account you use with the App and roughly when you started using it; (c) a specific description of what happened and why you believe you have a claim; and (d) the specific relief you want, including any amount. A Notice submitted on behalf of multiple users, or missing any of these elements, does not satisfy this Section and does not start the sixty-day clock. AGM Apps will send you an equivalent notice before starting any claim against you. Either party may ask for a telephone or video settlement conference, and the other will take part in good faith. Completing this process is a condition precedent to starting arbitration, and either party may ask a court to stay or halt a proceeding started without it. All applicable limitation periods are paused while this process is under way.
If a dispute is not resolved under Section 15.2, you and AGM Apps agree that any dispute, claim, or controversy arising out of or relating to these Terms, the App, our advertising, our subscriptions, or our AI features — including claims that arose before you accepted these Terms, and claims arising after these Terms end — will be resolved exclusively by final and binding individual arbitration, and not in court, except as expressly provided in Sections 15.6 and 15.9.
Administrator and rules. The arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules and, where applicable, its Mass Arbitration Supplementary Rules, each as in effect when the arbitration begins. Those rules are at adr.org or by phone at 1-800-778-7879. A single arbitrator will preside. If AAA is unavailable or declines to administer the arbitration consistent with this Section, the parties will agree on a substitute administrator; failing agreement, a court of competent jurisdiction will appoint one.
Location and format. If your claim is for US $25,000 or less, the arbitration will be decided on the documents alone unless the arbitrator decides a hearing is needed. Any hearing may be held by telephone or video. Any in-person hearing will take place in the county or equivalent jurisdiction where you live, or somewhere else you and we agree on.
What the arbitrator can do. The arbitrator may award any individual relief a court could award under applicable law, including statutory damages, declaratory relief, and injunctive relief — but only in favor of, and only as far as needed to give relief to, the individual party seeking it. The award is final and binding, and judgment may be entered on it in any court of competent jurisdiction.
Fees. AAA's Consumer Arbitration Rules govern how filing, administrative, and arbitrator fees are allocated. If those rules require you to pay a filing fee and your claim seeks US $10,000 or less, AGM Apps will reimburse that filing fee on your written request, unless the arbitrator finds the claim was frivolous or brought for an improper purpose. Each party pays its own attorneys' fees and costs unless a statute or the award provides otherwise.
Delegation. The arbitrator has exclusive authority to resolve any dispute about the interpretation, applicability, enforceability, or formation of this arbitration agreement, including any claim that it is void or voidable — except that only a court, and not an arbitrator, may decide any dispute about the enforceability, validity, or scope of the Class Action Waiver in Section 15.4.
YOU AND AGM APPS AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF, CLASS MEMBER, OR PRIVATE ATTORNEY GENERAL IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not combine the claims of more than one person and may not preside over any form of class or representative proceeding, except under the batching procedure in Section 15.5.
TO THE EXTENT ANY CLAIM PROCEEDS IN COURT RATHER THAN IN ARBITRATION, YOU AND AGM APPS EACH KNOWINGLY, VOLUNTARILY, AND IRREVOCABLY WAIVE ANY RIGHT TO TRIAL BY JURY. This jury trial waiver applies whether or not you opt out of arbitration under Section 15.9.
Blow-up provision. If a court or arbitrator decides that any part of this Section 15.4 is unenforceable as to a particular claim or a particular request for relief (for example, a request for public injunctive relief), that claim or request will be severed, brought in a court of competent jurisdiction, and stayed pending arbitration of everything else, and the rest of Section 15 stays in force. However, if the first paragraph of this Section 15.4 is held unenforceable as to all of your claims, then Sections 15.3, 15.4, and 15.5 are null and void in their entirety as to those claims, and the dispute will be resolved in court under Section 15.6. Under no circumstances do the parties consent to class, collective, consolidated, or representative arbitration. This paragraph controls over the general severability provision elsewhere in these Terms.
If twenty-five (25) or more Notices of Dispute or arbitration demands raising substantially similar claims are submitted against AGM Apps within any ninety (90) day period by or with the help of the same law firm, group of firms, or otherwise coordinated counsel, the parties agree those claims will be administered under AAA's Mass Arbitration Supplementary Rules and resolved in sequential batches of no more than fifty (50) claimants. Each batch proceeds as a single arbitration before a single arbitrator, with one set of administrative fees and one filing. Claimants' counsel and AGM Apps will each choose an equal number of claims for each batch. All limitation periods stay paused for claims waiting to be assigned to a batch. If a court finds this Section unenforceable, the parties will nonetheless proceed under AAA's Mass Arbitration Supplementary Rules. Batching is a procedural cost-control measure and is not an admission by any party.
Despite the above: (a) either party may bring an individual claim in a small-claims court that has jurisdiction, so long as it stays an individual claim there; (b) either party may seek injunctive or other equitable relief in a court of competent jurisdiction to stop actual or threatened infringement or misappropriation of intellectual property, or unauthorized access to our systems; and (c) either party may bring an action to compel arbitration or to enforce an award.
For any claim not subject to arbitration, and for all claims if Sections 15.3 through 15.5 are held unenforceable or you opt out under Section 15.9, you and AGM Apps consent to the exclusive jurisdiction and venue of the state and federal courts located in the State of Florida, United States, and each party waives any objection to that venue, including on grounds of forum non conveniens — except where applicable mandatory consumer-protection law entitles you to bring proceedings where you live.
To the fullest extent permitted by applicable law, any claim arising out of or relating to these Terms or the App must be started within one (1) year after the claim accrues, or it is permanently barred. This Section does not apply where the law of your jurisdiction prohibits shortening the limitation period.
If we materially change this Section 15 after you first accept these Terms, the change will not apply to any dispute for which a Notice of Dispute was delivered before the change took effect. You may reject the change by emailing [email protected] within thirty (30) days after it takes effect, in which case the version of this Section in effect immediately before the change continues to govern disputes between us.
You can decline arbitration and keep your right to go to court. Email [email protected] with the subject line "Arbitration Opt-Out" within thirty (30) days after you first accept these Terms — or, if you were already using the App before the Last Updated date shown at the top of this page, within thirty (30) days after that date. Include your full name, the email address or store account you use with the App, and a clear statement that you are opting out of the arbitration agreement. Opting out is free, takes effect when we receive it, applies only to you, and will not affect your access to the App, your subscription, or any feature whatsoever. If you opt out, Sections 15.3 and 15.5 and the class action waiver in the first paragraph of Section 15.4 do not apply to you; the jury trial waiver in Section 15.4 and Sections 15.1, 15.6, and 15.7 continue to apply.
You may stop using the App at any time by deleting it from your device. We may suspend or terminate your access to the App or any features (including Plus features and AI credits) at any time, with or without notice, if we believe you have violated these Terms or if continued operation would expose us to legal or security risk.
Upon termination, Sections 5, 7–15, and 17 survive.
This section applies because the App is downloaded from the Apple App Store.
These Terms are between you and AGM Apps, not Apple. Apple is not responsible for the App or its content.
The license granted is limited to use of the App on any Apple-branded products that you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions, except that the App may be accessed and used by other accounts associated with the purchaser via Family Sharing or volume purchasing.
AGM Apps is solely responsible for providing any maintenance and support services for the App. Apple has no obligation to furnish any maintenance or support services.
AGM Apps is solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. In the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) for the App to you. To the maximum extent permitted by law, Apple has no other warranty obligation whatsoever with respect to the App.
AGM Apps, not Apple, is responsible for addressing any claims relating to the App or your use of the App, including but not limited to: (i) product liability claims; (ii) claims that the App fails to conform to any applicable legal or regulatory requirement; and (iii) claims under consumer protection or similar legislation.
In the event of any third-party claim that the App or your possession and use of the App infringes that third party's intellectual property rights, AGM Apps, not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of any such intellectual property infringement claim.
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.
Apple and Apple's subsidiaries are third-party beneficiaries of these Terms, and 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.
We may update these Terms from time to time. When we make material changes, we will update the "Last Updated" date above and, where appropriate, notify you within the App. Continued use of the App after changes take effect constitutes your acceptance of the updated Terms.
If any provision of these Terms is held invalid or unenforceable, the remaining provisions will remain in full force and effect. These Terms, together with our Privacy Policy, constitute the entire agreement between you and AGM Apps regarding the App.