"Confidential Information" means the Beta Application and everything related to it that is not publicly known — including its design, features, code, user flows, business model, roadmap, and any communications between the parties regarding the foregoing.

Confidential Information does not include: (a) information that becomes publicly available without breach of this Agreement; (b) information the Tester already knew before accessing the Beta Application; or (c) anything the Developer explicitly releases in writing.

During and after the term of this Agreement, the Tester agrees to:

a) Keep all Confidential Information strictly private and not share it with any other person, whether verbally, in writing, or by any other means.

b) Not post screenshots, screen recordings, descriptions, or opinions about the Beta Application on any public platform, including social media, forums, or review sites.

c) Use the Beta Application only for the purpose of testing and submitting feedback to the Developer.

d) Promptly notify the Developer if Confidential Information is accidentally disclosed to a third party.

Any feedback, suggestions, bug reports, or ideas the Tester submits ("Feedback") become the sole property of the Developer. The Developer may use Feedback freely without any obligation to compensate, credit, or notify the Tester.

The Beta Application is provided "as is." It is pre-release software and may contain bugs or incomplete features. The Developer makes no guarantees about its performance or reliability. The Tester accepts all risk associated with its use.

This Agreement is effective from the Effective Date until July 31, 2026, or until the Beta Application is publicly launched, whichever comes first. Confidentiality obligations survive termination indefinitely.

This Agreement is governed by the laws of Oregon. Any disputes will be resolved exclusively in the courts located in Washington County, OR.

This Agreement is the complete understanding between the Developer and this individual Tester regarding the Beta Application. It supersedes any prior verbal or written discussions. Amendments require a signed writing from both parties.

The Tester agrees that typing their full legal name in the signature field and clicking "Sign & Continue" constitutes a legally binding electronic signature under the Electronic Signatures in Global and National Commerce Act (ESIGN Act), 15 U.S.C. § 7001 et seq.

At the time of signing, the following information is recorded and stored securely as proof of this Agreement: (a) the Tester's full name and email address; (b) the Tester's IP address (used for security purposes — rate limiting and fraud prevention, not tracking); (c) the date and timestamp of signing; and (d) the version of this Agreement signed.

The Tester consents to entering into this Agreement electronically and acknowledges that an electronic copy of this Agreement is valid and enforceable to the same extent as a paper original.

By using the Beta Application, the Tester acknowledges and agrees to the following data handling practices:

a) Purpose Limitation. Any data collected from the Tester — including bank statement content and derived transaction data — is used solely for the purpose of providing the GhostMoney service to that Tester. It will not be used for advertising, profiling, or any purpose unrelated to the Beta Application.

b) No Third Party Sharing. The Developer will not sell, rent, or share the Tester's data with any third party, except as strictly necessary to operate the service: Anthropic PBC (AI parsing of bank statement content), Vercel Inc. (application hosting), and Turso (database storage). Each of these service providers is bound by their own privacy policies.

c) No Unauthorized Access. The Developer implements reasonable technical and administrative security measures to protect Tester data. Only the Developer has administrative access to Tester data. No other beta testers can access another Tester's data.

d) Right to Delete. The Tester may request deletion of all their data at any time by emailing the Developer at keith_crisologo@rocketmail.com with the subject line "Data Deletion Request." The Developer will process the request within 30 days. Note: the NDA signature record is retained permanently as a legal record of this Agreement.

e) Storage. Extracted transaction data is stored in an encrypted database hosted on AWS US-West-2 servers via Turso. Raw bank statement files are never stored — only the parsed transaction data extracted from them.

f) Beta Limitation. These data handling practices reflect the current beta stage of the application. Upon public launch, a comprehensive Privacy Policy and updated Terms of Service will govern data handling. Testers will be notified of material changes.