Squirrel Health

Squirrel Health, LLC

DopeLock APPLICATION

TERMS OF SERVICE

Effective Date: April 12, 2026

IMPORTANT — PLEASE READ CAREFULLY: THESE TERMS OF SERVICE CONTAIN A BINDING ARBITRATION PROVISION AND A CLASS ACTION WAIVER (SECTION 15) THAT AFFECT YOUR LEGAL RIGHTS. BY USING THE APP, YOU AGREE TO RESOLVE DISPUTES THROUGH INDIVIDUAL ARBITRATION AND WAIVE YOUR RIGHT TO PARTICIPATE IN CLASS ACTIONS OR JURY TRIALS. PLEASE READ SECTION 15 IN ITS ENTIRETY.

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Squirrel Health, LLC, a Delaware limited liability company ("Company," "we," "us," or "our"), governing your access to and use of the DopeLock mobile application (the "App"). By downloading, installing, accessing, or using the App, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy (available at https://squirrelhealth.io/privacy), and our End User License Agreement ("EULA").

If you do not agree to these Terms, do not download, install, access, or use the App.

2. Eligibility

You must be at least eighteen (18) years of age and have the legal capacity to enter into a binding contract to use the App. By using the App, you represent and warrant that you meet these eligibility requirements. If you are using the App on behalf of an entity, you represent and warrant that you have the authority to bind such entity to these Terms.

3. Description of Services

The App provides budget-enforcement and financial wellness tools, including: (a) financial account linking and transaction synchronization via Plaid, Inc.; (b) category-based budget tracking and enforcement; (c) device-level app restriction via Apple's Screen Time API (FamilyControls framework); (d) virtual debit card issuance and management via Lithic card issuing with server-side budget enforcement; and (e) push notifications for budget alerts and transaction activity (collectively, the "Services").

The App is not a bank, financial institution, money transmitter, or investment advisor. The App is a budgeting and self-control tool. Virtual cards are issued through Lithic and its issuing bank partners, not by the Company. The Company does not hold, transmit, or custody user funds.

4. Account Registration and Security

To use certain features of the App, you must create an account. You agree to provide accurate, current, and complete information during registration and to keep your account information updated. You are responsible for safeguarding your account credentials and for all activities that occur under your account. You must notify us immediately at legal@squirrelhealth.io if you become aware of any unauthorized access to or use of your account.

5. Financial Services Disclaimers

5.1 No Financial Advice

The App provides budgeting tools and spending data for informational purposes only. Nothing in the App constitutes financial, investment, tax, or legal advice. You should consult qualified professionals before making financial decisions.

5.2 Third-Party Financial Services

Financial account connectivity is provided by Plaid, Inc. Virtual card services are provided by Lithic, Inc. and its issuing bank partners. Your use of these third-party services is subject to their respective terms of service and privacy policies. The Company is not responsible for the acts or omissions of Plaid, Lithic, or their banking partners, including but not limited to service outages, transaction processing errors, or unauthorized transactions.

5.3 No Guarantee of Budget Enforcement

While the App endeavors to enforce budget-based app restrictions and virtual card spending limits, the Company does not guarantee that such enforcement will be error-free, continuous, or uninterrupted. The Screen Time API and FamilyControls framework are provided by Apple and are subject to Apple's own limitations, updates, and availability. Virtual card authorization decisions are subject to Lithic's processing systems and the issuing bank's discretion.

6. User Obligations

You agree to:

Use the App only for lawful purposes and in compliance with these Terms and all applicable laws
Not attempt to circumvent, disable, or interfere with any security or access-control features of the App
Not use the App to facilitate fraud, money laundering, terrorist financing, or other illegal financial activity
Not reverse engineer, decompile, disassemble, or attempt to derive the source code of the App
Not use the App in any manner that could damage, disable, overburden, or impair our servers or networks
Not use automated means (bots, scrapers, crawlers) to access or interact with the App
Comply with all applicable laws regarding the transmission of data from your jurisdiction

7. Subscription, In-App Purchases, and Fees

Certain features of the App may require a subscription or in-app purchase. All subscription fees and in-app purchases are processed through the Apple App Store and are subject to Apple's terms of sale. You agree to pay all applicable fees and taxes associated with your use of the App. Subscription terms, pricing, and cancellation policies are presented within the App at the time of purchase.

The Company reserves the right to modify pricing for subscriptions and premium features at any time, with at least thirty (30) days' prior notice to existing subscribers.

8. Intellectual Property Rights

The App, including all content, features, functionality, code, designs, graphics, trademarks, and service marks, is owned by Squirrel Health, LLC or its licensors and is protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property laws. These Terms do not grant you any right, title, or interest in the App except for the limited license granted under the EULA.

9. User Content and Feedback

Any feedback, suggestions, ideas, or other information you provide to us regarding the App ("Feedback") is provided on a non-confidential basis, and you grant the Company a perpetual, irrevocable, worldwide, royalty-free, fully sublicensable license to use, reproduce, modify, and distribute such Feedback for any purpose without compensation or attribution to you.

10. Disclaimers

THE APP AND SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

WITHOUT LIMITING THE FOREGOING, THE COMPANY DOES NOT WARRANT THAT: (A) THE APP WILL MEET YOUR REQUIREMENTS; (B) THE APP WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (C) THE RESULTS OBTAINED FROM USE OF THE APP WILL BE ACCURATE OR RELIABLE; (D) ANY BUDGET ENFORCEMENT OR APP-LOCKING FUNCTIONALITY WILL OPERATE WITHOUT INTERRUPTION; OR (E) ANY VIRTUAL CARD TRANSACTION WILL BE PROCESSED CORRECTLY OR WITHOUT DELAY.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS OFFICERS, DIRECTORS, MEMBERS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE APP.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY'S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR YOUR USE OF THE APP SHALL NOT EXCEED THE GREATER OF: (A) THE AMOUNTS PAID BY YOU TO THE COMPANY IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED UNITED STATES DOLLARS (\$100.00).

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IN SUCH JURISDICTIONS, THE LIMITATIONS SET FORTH ABOVE SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW.

12. Indemnification

You agree to defend, indemnify, and hold harmless Squirrel Health, LLC, its officers, directors, members, employees, agents, and licensors from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees and costs) arising out of or related to: (a) your use of the App; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; (d) your violation of any third-party rights, including intellectual property rights; or (e) any unauthorized use of your account.

13. Termination

We may terminate or suspend your access to the App at any time, with or without cause, and with or without notice. Upon termination, your right to use the App will immediately cease. Sections 5, 8, 9, 10, 11, 12, 15, 16, 17, 18, and 19 shall survive termination.

You may terminate your account at any time by deleting your account through the App's settings or by contacting us at legal@squirrelhealth.io. Upon account deletion, we will process the deletion of your personal information in accordance with our Privacy Policy.

14. Modifications to Terms

We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the revised Terms within the App and updating the Effective Date. For material changes that affect your rights under Section 15 (Dispute Resolution), we will provide at least thirty (30) days' prior notice and an opportunity to opt out of the revised arbitration provisions within that period. Your continued use of the App after the effective date of the revised Terms constitutes acceptance of the revised Terms.

15. Dispute Resolution — Binding Arbitration and Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY TRIAL.

15.1 Informal Resolution

Before initiating any arbitration or court proceeding, you agree to first contact us at legal@squirrelhealth.io and attempt to resolve the dispute informally for at least sixty (60) days. If we are unable to resolve the dispute informally, either party may proceed to binding arbitration as set forth below.

15.2 Binding Arbitration

Agreement to Arbitrate: Except as expressly provided in Section 15.6 below, you and the Company agree that any dispute, claim, or controversy arising out of or relating to these Terms, the App, or the Services (including the formation, interpretation, performance, breach, or termination thereof), whether based in contract, tort, statute, fraud, misrepresentation, or any other legal theory (each, a "Dispute"), shall be resolved exclusively through final and binding individual arbitration, rather than in court.

Arbitration Rules: Arbitration shall be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect, except as modified by this Section 15. The AAA Rules are available at www.adr.org. If the AAA is unable or unwilling to administer the arbitration, the parties shall agree on an alternative arbitration provider. If the parties cannot agree, a court of competent jurisdiction shall appoint an arbitration provider.

Arbitration Location: All arbitration proceedings shall be conducted in the State of Texas. If you reside outside of Texas, you may elect to participate by telephone, video conference, or written submissions, at your option.

Governing Arbitration Law: This arbitration agreement is governed by the Federal Arbitration Act (9 U.S.C. §§ 1–16) and, to the extent applicable, the laws of the State of Texas.

Arbitrator Authority: The arbitrator shall have exclusive authority to resolve any Dispute, including any claim that all or any part of this arbitration agreement is void or voidable. The arbitrator shall have the authority to grant any relief that would otherwise be available in court, including injunctive and declaratory relief, but only in favor of the individual party seeking relief and only to the extent necessary to provide relief warranted by that party's individual claim.

15.3 Class Action Waiver

YOU AND THE COMPANY AGREE THAT EACH PARTY MAY BRING DISPUTES AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, REPRESENTATIVE, OR PRIVATE ATTORNEY GENERAL ACTION OR PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT OTHERWISE PRESIDE OVER ANY FORM OF A CLASS, CONSOLIDATED, REPRESENTATIVE, OR PRIVATE ATTORNEY GENERAL PROCEEDING. IF A COURT OR ARBITRATOR DETERMINES THAT THIS CLASS ACTION WAIVER IS UNENFORCEABLE AS TO A PARTICULAR CLAIM OR REQUEST FOR RELIEF, THEN THAT CLAIM OR REQUEST FOR RELIEF (AND ONLY THAT CLAIM OR REQUEST FOR RELIEF) SHALL BE SEVERED AND MAY BE BROUGHT IN A COURT OF COMPETENT JURISDICTION, AND THE REMAINING CLAIMS SHALL PROCEED IN ARBITRATION.

15.4 Mass Arbitration Protocols

If twenty-five (25) or more similar claims are asserted against the Company by or with the assistance or coordination of the same law firm or organization ("Mass Filing"), the following procedures shall apply:

Bellwether Process: Counsel for the claimants and the Company shall each select up to ten (10) claims to proceed first as bellwether cases. The remaining claims shall be stayed pending resolution of the bellwether cases.
Mediation: After the bellwether cases are resolved, the parties shall engage in a single mediation session to attempt to resolve the remaining claims.
Proceeding: If mediation does not resolve all remaining claims, the remaining claims shall proceed in individual arbitration in batches of no more than fifty (50) claims per batch.
Fee Allocation: The Company shall pay all filing fees and arbitrator compensation for any arbitration it is required to pay under the applicable AAA Rules.

15.5 Arbitration Fees and Costs

The Company will pay all AAA filing fees, administration fees, and arbitrator fees for any arbitration initiated in accordance with the AAA Consumer Arbitration Rules, except as follows: if the arbitrator finds that your claim was filed for an improper purpose or is frivolous (as defined under Federal Rule of Civil Procedure 11), the payment of all fees shall be governed by the AAA Rules, and you agree to reimburse the Company for all disbursements previously paid by the Company that are otherwise your obligation under the AAA Rules.

Each party shall bear its own attorneys' fees and costs, unless the arbitrator awards fees and costs to the prevailing party as permitted by applicable law.

15.6 Exceptions to Arbitration

Notwithstanding the foregoing, the following Disputes are not subject to the arbitration agreement:

Claims for injunctive or equitable relief to protect the Company's intellectual property rights (including trademark, trade dress, domain name, trade secret, copyright, and patent rights)
Individual claims brought in small claims court, provided the claim remains in small claims court and is advanced on an individual (non-class) basis
Disputes that applicable law requires be resolved in a specific forum that cannot be waived

15.7 Opt-Out Right

You may opt out of this arbitration agreement by sending written notice to legal@squirrelhealth.io within thirty (30) days of first accepting these Terms. Your opt-out notice must include your name, email address associated with your account, and a clear statement that you wish to opt out of the arbitration agreement. If you opt out, you will still be bound by all other provisions of these Terms.

15.8 Severability

If any portion of this Section 15 is found to be unenforceable, the remainder of this Section 15 shall continue to apply. If Section 15.3 (Class Action Waiver) is found to be unenforceable as to a particular claim, only that specific claim may proceed outside of arbitration; all other claims shall remain subject to arbitration.

16. Governing Law

These Terms and any Dispute arising out of or related to these Terms or the App shall be governed by and construed in accordance with the laws of the State of Texas, without regard to its conflict of laws provisions, except to the extent preempted by the Federal Arbitration Act. For any Dispute not subject to arbitration, you consent to the exclusive jurisdiction of the state and federal courts located in Travis County, Texas.

17. Electronic Fund Transfer Disclosures (Regulation E)

To the extent the App facilitates electronic fund transfers through virtual card transactions, the following disclosures apply pursuant to Regulation E (12 CFR Part 1005):

Unauthorized Transfers: If you believe an unauthorized transaction has occurred on your virtual card, notify us immediately at legal@squirrelhealth.io. Your liability for unauthorized transfers is governed by Regulation E and the terms of your agreement with the card-issuing bank or issuing partner.
Error Resolution: If you believe there is an error in a virtual card transaction, contact us within sixty (60) days of the statement showing the error. We will investigate and resolve the error in accordance with Regulation E timelines.
Issuing Bank: Virtual cards are issued through Lithic and its issuing bank partners. The issuing bank's agreement governs your cardholder rights and responsibilities. The Company facilitates budget enforcement but does not issue cards or process payments directly.

18. Apple App Store Additional Terms

The following additional terms apply to your use of the App obtained through the Apple App Store:

These Terms are between you and the Company, not Apple Inc. ("Apple"). The Company, not Apple, is solely responsible for the App and its content.
Apple has no obligation to provide any maintenance or support services for the App.
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) of the App to you. To the maximum extent permitted by applicable law, Apple has no other warranty obligation with respect to the App.
Apple is not responsible for addressing any claims by you or any third party relating to the App or your possession and use of the App, including product liability claims, claims that the App fails to conform to applicable legal or regulatory requirements, and claims arising under consumer protection or similar legislation.
In the event of any third-party claim that the App infringes a third party's intellectual property rights, the Company, not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of any such claim.
Apple and its subsidiaries are third-party beneficiaries of these Terms. 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.

19. General Provisions

Entire Agreement: These Terms, together with the Privacy Policy and EULA, constitute the entire agreement between you and the Company regarding the App and supersede all prior agreements and understandings.

Severability: If any provision of these Terms is held to be invalid or unenforceable, such provision shall be struck and the remaining provisions shall continue in full force and effect.

Waiver: The failure of the Company to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

Assignment: You may not assign or transfer these Terms or your rights under these Terms without the Company's prior written consent. The Company may freely assign these Terms without restriction.

Force Majeure: The Company shall not be liable for any delay or failure to perform resulting from causes outside its reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, pandemics, government actions, third-party service outages (including Plaid, Lithic, Apple, or cloud infrastructure providers), or Internet or telecommunications failures.

Notices: All notices under these Terms shall be in writing. Notices to you may be sent to the email address associated with your account. Notices to the Company shall be sent to legal@squirrelhealth.io.

No Third-Party Beneficiaries: Except as expressly set forth in Section 18 (Apple App Store Additional Terms), these Terms do not confer any third-party beneficiary rights.

Headings: Section headings are for convenience only and shall not affect the interpretation of these Terms.

20. Contact Information

If you have questions about these Terms, please contact us at:

Squirrel Health, LLC

Attn: Legal Department

Email: legal@squirrelhealth.io

Web: https://squirrelhealth.io