Last revised · June 17, 2026
These Terms of Service set forth the conditions for using the Moneywood service (the "Service") provided by Always summer (the "Company"). By accessing or using the Service, you agree to these Terms.
The Service is a data curation platform that monitors and aggregates publicly available SEC filings, organizes institutional trade disclosures (including ARK Invest daily trades and 13F filings), and delivers structured data summaries via mobile apps (iOS/Android), email reports, and a web dashboard. The Service is provided for educational and informational purposes only.
Users are responsible for keeping their account information confidential and for all activities that occur under their account. Users must immediately notify the Company of any unauthorized account use.
Users must not use the Service for unlawful purposes, attempt unauthorized access to the Service, or interfere with other users' use of the Service.
The Service offers free and paid subscription tiers (Pro). 1. Payment processing In-app paid subscriptions are processed through the Apple App Store (iOS) or Google Play Store (Android) in-app purchase systems. The Company does not directly collect or retain payment instrument information such as credit card numbers; payment processing, billing, and refunds are governed by the policies and terms of each platform operator. 2. Billing cycle and auto-renewal Pro subscriptions are billed on a monthly or annual basis and automatically renew under the same terms unless the user disables auto-renewal at least 24 hours before the end of the current billing period. 3. Cancellation Users may disable auto-renewal at any time from the subscription management menu of their Apple ID or Google account. Cancellation takes effect at the end of the current billing period; benefits remain available for the remaining paid term. 4. Refunds Refunds are governed by the refund policy of the platform on which the purchase was made. Refund requests should be submitted through the platform’s support channel (Apple "Report a Problem" or Google Play "Request a refund"). 5. Price changes The Company reserves the right to change pricing with 30 days’ prior notice to subscribers. New pricing applies starting from the next renewal cycle; users may disable auto-renewal before the change takes effect.
Paid services, including paid subscriptions, are available only to users aged 19 or older, or to minors who have obtained the consent of a legal guardian. A paid contract entered into by a minor without the consent of a legal guardian may be cancelled by the minor or the legal guardian. Where a purchase is found to have been made by a minor, the Company may take measures to verify whether guardian consent was obtained.
Users may request account deletion and removal of their personal data through either of the following: 1. In-app: My → Account → Delete account 2. Email: biz@mymoneywood.com Upon deletion, personal data is removed in accordance with the Privacy Policy, except where retention is required by applicable law. If you have an active paid subscription, disabling auto-renewal must be done separately from the subscription management menu of your Apple or Google account.
All content, features, and functionality of the Service are owned by the Company and protected by copyright, trademark, and other intellectual property laws.
Use of the Service is subject to the Privacy Policy, which explains how personal information is collected, used, and protected.
The Service is provided "as is" without warranties of any kind, express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.
The Company is not liable for indirect, incidental, special, consequential, or punitive damages arising from the use of the Service.
The disclaimer of warranties (Article 10) and limitation of liability (Article 11) in these Terms apply only to the extent permitted by applicable law. They do not apply to damages caused to users by the Company's willful misconduct or gross negligence, or to any other damages for which limitation of liability is restricted under applicable law.
The Service is a data curation platform that aggregates publicly available regulatory filings. It does not provide investment research, financial analysis, or personalized recommendations. All investment decisions are your sole responsibility, and past performance does not guarantee future returns. Users should consult a qualified financial advisor before making any investment decisions.
The Company strives for accuracy, but information may contain errors or delays. The Company does not guarantee the completeness, accuracy, or timeliness of all data.
The Company may modify, suspend, or discontinue all or part of the Service. However, if the Company discontinues a paid service, it will notify users of the discontinuation and the reason at least 30 days in advance, and will take appropriate measures — such as refunds for the remaining period of an already-paid subscription — in accordance with applicable law and platform policies. Free services may be changed or discontinued without prior notice.
If a user violates these Terms or applicable law, the Company may suspend or terminate the account after prior notice (or without notice where there is an imminent risk to the rights or safety of users or third parties). If the Company terminates the agreement without fault on the user's part, it will take appropriate measures — such as refunds for the remaining period of an already-paid subscription — in accordance with applicable law and platform policies.
These Terms are governed by and interpreted in accordance with the laws of the Republic of Korea, without regard to conflict-of-law principles.
The Company may revise these Terms. When the Terms are changed, the Company will announce the changes and the effective date through in-app notices or email at least 7 days before the effective date (at least 30 days in advance for changes unfavorable to users). Continued use of the Service after the effective date constitutes acceptance of the revised Terms. Users who do not agree to the changes may discontinue use and close their account.