Effective: September 1, 2026 · Version 1.4 · Last updated: June 2026
Plain English summary
Reclaim finds billing errors and writes recovery emails for you. We cannot guarantee merchants will refund you — that is their decision. Subscriptions are billed by Apple. Tax services are provided by independent licensed CPAs who are not Reclaim employees. Do not use the app to submit false claims. You can cancel anytime.
Agreement parties
Service provider: Reach and Rally Inc. (operating as "Reclaim"), a New York Limited Liability Company Address: 521 Jerusalem Ave, Bellmore, NY 11710, United States EIN: 41-4941622 · Incorporated: New York, 2026 Contact:support@getreclaimapp.store
These Terms of Service ("Terms") constitute a legally binding agreement between you ("User", "you") and Reach and Rally Inc. ("Company", "we", "us", "our") governing your access to and use of the Reclaim mobile application, website, and all associated services (collectively, the "Service"). By creating an account, downloading the app, or using the Service in any way, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference. If you do not agree, you must not use the Service.
1. Description of the Service
Reclaim is a personal financial recovery tool that:
Analyses bank transaction history you provide to identify potential billing errors, duplicate charges, price increases, and unauthorised subscriptions
Generates personalised recovery emails using AI, which you review and approve before any email is sent
Tracks the status of recovery cases and, where activated, sends follow-up emails on your behalf
Provides budget tracking, savings goal management, and income monitoring tools
Facilitates connections between users and independent licensed tax professionals (United States only)
Critical limitation of Service
Reach and Rally Inc. does not guarantee recovery of any funds. The outcome of any recovery attempt depends entirely on the merchant's policies and decision. Reclaim does not initiate payment chargebacks, contact credit card networks, negotiate on your behalf, or take any legal action against merchants. Reclaim does not provide financial, investment, or legal advice. Nothing in the Service constitutes professional financial or legal advice.
2. Eligibility and account requirements
You must be at least 17 years of age. By using the Service, you represent and warrant that you meet this requirement.
You must have the legal right, authority, and capacity to enter into this agreement in your jurisdiction
You must have the legal authority to connect any bank accounts or email accounts you link to the Service
Each person may maintain only one personal Reclaim account. Multiple accounts created to circumvent free plan limits may be terminated without notice.
You represent that all information you provide to Reclaim is accurate, current, and complete, and you agree to keep it updated
The Service is available in the United States, Canada, United Kingdom, and other supported countries. Tax professional services are available in the United States only. Availability may change with notice.
3. Account security
You are solely responsible for maintaining the confidentiality of your login credentials
You are responsible for all activity that occurs under your account, whether or not authorised by you
You must notify us immediately at support@getreclaimapp.store if you suspect or discover any unauthorised access to your account
We reserve the right to terminate or suspend accounts that show signs of compromise or fraudulent activity
Accounts inactive for more than 24 consecutive months may be terminated, with advance notice by email
4. Subscriptions, billing, and payments
All Reclaim subscriptions are processed exclusively through Apple Inc. via Apple In-App Purchase. Reach and Rally Inc. does not collect or store any payment card information.
Subscriptions automatically renew at the end of each billing period unless cancelled at least 24 hours before renewal
To cancel your subscription: iPhone Settings → [Your Name] → Subscriptions → Reclaim → Cancel Subscription
Cancellation takes effect at the end of the current billing period. You retain access to paid features until that date.
We reserve the right to change subscription pricing with at least 30 days' advance notice to active subscribers. Price changes take effect at the next renewal.
Refunds for in-app purchase charges are governed entirely by Apple's App Store refund policy. Reach and Rally Inc. has no ability to issue refunds for charges processed by Apple. To request a refund: reportaproblem.apple.com ↗
The Free plan includes 3 recovery emails in total. Use of multiple accounts to circumvent this limit is a violation of these Terms.
5. Bank and email integrations
Read-only access: Bank connections via Plaid (US/Canada) and TrueLayer (UK/EU) are strictly read-only. Reach and Rally Inc. cannot initiate, authorise, modify, or reverse any financial transactions through these connections under any circumstances.
Gmail access: Gmail integration is read-only for the purpose of (a) sending recovery emails you individually approve, and (b) monitoring replies to those specific threads. We do not access, store, or process any other content in your Gmail account.
Your authorisation: By connecting these integrations, you authorise Reach and Rally Inc. to access the data described in our Privacy Policy solely for the purpose of providing the Service.
Disconnect anytime: You may revoke any integration at any time in Settings. Revoking access will limit functionality but will not affect data already processed.
Third-party terms: Your use of Plaid and TrueLayer is also subject to their respective terms of service and privacy policies.
6. Tax professional services
IRS CIRCULAR 230 DISCLOSURE
Any tax information generated by Reclaim's AI features is for general informational purposes only. It does not constitute tax advice and cannot be used for the purpose of avoiding U.S. federal tax penalties. For specific tax advice, please consult a qualified tax professional.
Tax services displayed within Reclaim are provided by Clear Decisions Inc. and its independently licensed tax professionals ("Tax Professionals"). These individuals are independent contractors and are not employees, agents, joint venturers, or representatives of Reach and Rally Inc.
Reach and Rally Inc. acts solely as a technology platform that facilitates the connection between users and Tax Professionals. We do not supervise, direct, or control the tax advice or services provided.
Engaging a Tax Professional through Reclaim creates a direct professional-client relationship between you and that Tax Professional — not between you and Reach and Rally Inc.
Reach and Rally Inc. makes no warranty, guarantee, or representation regarding the qualifications, competence, accuracy, or outcomes of any Tax Professional's services.
Fees for tax professional services are between you and the Tax Professional and are non-refundable once the professional has commenced work on your matter.
Reach and Rally Inc. is not liable for any errors, omissions, penalties, interest, or other damages resulting from tax professional services.
Tax Professional services are available to US residents only. Availability of specific services may vary.
7. Acceptable use policy
You agree that you will not use the Service to:
Submit false, fabricated, exaggerated, or fraudulent recovery claims against merchants for charges you knowingly and legitimately authorised
Harass, threaten, defame, or engage in abusive communication with merchants, their representatives, or Reclaim staff
Attempt to reverse engineer, decompile, disassemble, or extract source code from any part of the Service
Use automated bots, scrapers, or other tools to access or interact with the Service in ways not expressly permitted
Attempt to gain unauthorised access to any Reclaim systems, accounts, or data
Interfere with or disrupt the integrity or performance of the Service or its infrastructure
Create multiple accounts to circumvent free plan limits or any other Service restrictions
Use the Service to engage in any activity that violates applicable laws or regulations in your jurisdiction
Use the Service for commercial purposes beyond your own personal use without prior written consent from Reach and Rally Inc.
Impersonate any person or entity, or misrepresent your affiliation with any person or entity
Violations of this Acceptable Use Policy may result in immediate account termination without notice and without refund of any prepaid subscription fees. We reserve the right to report fraudulent activity to relevant authorities.
8. Intellectual property
The Reclaim name, logo, application, website, and all associated content, features, and functionality are owned by Reach and Rally Inc. and are protected by United States and international copyright, trademark, and other intellectual property laws.
These Terms do not grant you any ownership rights. You are granted a limited, non-exclusive, non-transferable, revocable licence to use the Service for your personal, non-commercial use in accordance with these Terms.
You may not copy, modify, distribute, sell, or create derivative works based on any part of the Service without our prior written permission.
Recovery emails generated by Reclaim's AI based on your transaction data are generated for your personal use. You own the content of emails you send.
9. Disclaimer of warranties
The Service is provided "as is" and "as available" without warranty of any kind, express or implied. To the maximum extent permitted by applicable law, Reach and Rally Inc. expressly disclaims all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. Reach and Rally Inc. does not warrant that: (a) the Service will meet your requirements; (b) the Service will be uninterrupted, timely, secure, or error-free; (c) any errors in the Service will be corrected; (d) the results obtained from using the Service will be accurate or reliable; or (e) any merchant will respond to or honour any recovery request generated through the Service. No advice or information, whether oral or written, obtained from Reach and Rally Inc. through or in connection with the Service shall create any warranty not expressly stated in these Terms.
10. Limitation of liability
To the maximum extent permitted by applicable law, in no event shall Reach and Rally Inc., its officers, directors, employees, members, agents, or licensors be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages whatsoever, including but not limited to damages for loss of profits, revenue, data, business, goodwill, use, or other intangible losses, arising out of or in connection with: (a) your use of or inability to use the Service; (b) any unauthorised access to or use of our servers or any personal information stored therein; (c) any interruption or cessation of transmission to or from the Service; (d) any bugs, viruses, or similar harmful code transmitted through the Service; (e) any errors or omissions in any content; or (f) any recovery amounts not received from merchants — even if Reach and Rally Inc. has been advised of the possibility of such damages.
To the maximum extent permitted by applicable law, Reach and Rally Inc.'s total cumulative liability to you for any and all claims arising out of or relating to these Terms or the Service shall not exceed the greater of: (a) the total amount you paid to Reach and Rally Inc. in the 12 months immediately preceding the event giving rise to the claim, or (b) USD $100.
Some jurisdictions do not allow the exclusion or limitation of liability for consequential or incidental damages. In such jurisdictions, our liability is limited to the greatest extent permitted by applicable law. Nothing in these Terms limits or excludes any liability that cannot be limited or excluded under applicable law, including liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation.
11. Indemnification
You agree to defend, indemnify, and hold harmless Reach and Rally Inc. and its officers, directors, members, employees, and agents from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from or relating to:
Your use of the Service in violation of these Terms
Your violation of any applicable law or regulation
Your infringement of any third-party right, including intellectual property rights or privacy rights
Any recovery claim you submit that is false, fraudulent, or made in bad faith
Any content you submit, post, or transmit through the Service
12. Termination
By you: You may terminate your account at any time by navigating to Settings → Account → Delete Account. Termination is immediate and irreversible.
By us: We may suspend or terminate your access to the Service immediately and without prior notice if you materially breach these Terms, engage in fraudulent activity, or pose a risk to the Service or other users. For less serious violations, we will generally provide notice and an opportunity to cure before terminating.
Effect of termination: Upon termination, your right to use the Service ceases immediately. Data will be deleted per our Privacy Policy retention schedule. Termination does not entitle you to any refund of subscription fees already paid.
Survival: Sections 8 (Intellectual property), 9 (Disclaimer of warranties), 10 (Limitation of liability), 11 (Indemnification), and 13 (Governing law) survive termination of these Terms.
13. Governing law and dispute resolution
Governing law: These Terms are governed by and construed in accordance with the laws of the State of New York, United States, without regard to its conflict of law principles.
Informal resolution — mandatory first step: Before initiating any formal legal proceeding, you agree to contact Reach and Rally Inc. at support@getreclaimapp.store and attempt to resolve the dispute informally. Both parties agree to make a good-faith effort to resolve the matter within 30 days of written notice.
Binding arbitration: If informal resolution fails, any dispute, claim, or controversy arising out of or relating to these Terms or the Service (including the formation, validity, breach, or termination thereof) shall be resolved by final and binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules (available at adr.org), as modified by these Terms. The arbitration shall be conducted in English, seated in Nassau County, New York, United States. The arbitrator's award shall be final and binding and may be entered as a judgment in any court of competent jurisdiction.
Class action and jury waiver: YOU AND REACH AND RALLY INC. EACH WAIVE THE RIGHT TO A TRIAL BY JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR REPRESENTATIVE PROCEEDING OF ANY KIND, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.
Small claims exception: Either party may bring an individual claim in small claims court in Nassau County, New York, if the claim qualifies.
EU and UK users: Nothing in this section removes or restricts your rights under mandatory consumer protection laws in your country of residence, including the right to bring claims before courts in your country. The EU Online Dispute Resolution platform is available at ec.europa.eu/consumers/odr.
14. General provisions
Entire agreement: These Terms and our Privacy Policy constitute the entire agreement between you and Reach and Rally Inc. regarding the Service and supersede all prior agreements.
Severability: If any provision of these Terms is held to be invalid or unenforceable, that provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions shall remain in full force and effect.
No waiver: Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.
Assignment: You may not assign or transfer your rights or obligations under these Terms without our prior written consent. We may assign these Terms freely, including in connection with a merger, acquisition, or sale of assets, with notice to you.
Force majeure: Reach and Rally Inc. shall not be liable for any delay or failure to perform resulting from causes beyond our reasonable control, including natural disasters, governmental action, internet outages, or third-party service failures.
Notices: We will send notices to the email address on your account. You may send legal notices to Reach and Rally Inc. at 521 Jerusalem Ave, Bellmore, NY 11710, with a copy to support@getreclaimapp.store.
15. Changes to these Terms
We reserve the right to modify these Terms at any time. For material changes — those that substantially affect your rights or obligations — we will provide at least 14 days' advance notice by email and in-app notification. For non-material changes, the revised Terms take effect upon posting. Your continued use of the Service after the effective date of any changes constitutes your binding acceptance of the revised Terms. If you do not agree to the revised Terms, you must delete your account before the effective date.