Terms of Service

A personal finance tracker: you record what you earn and spend, plan ahead with recurring rules, and keep related documents in one place. It is operated by the operator of this instance and provided for personal, non-commercial use.

You must be at least 18 years old to create an account or to join a household. Sign-up asks for your date of birth and refuses anything younger; the same check applies to an invited member, and to an account created through Google sign-in, which is asked for a date of birth on first entry. This app is not directed to children, and no account is knowingly created for anyone under 18 — if one is discovered, it is deleted along with its data.

Nothing in this app is professional advice, and this matters most on the Tax Insights page. That feature sends a year of your categorised transactions to an AI model and returns a plain-English summary and a list of deductions worth asking about. It is a prompt for a conversation with a qualified chartered accountant, not a substitute for one.

AI output can be confidently wrong. The same applies to receipt scanning and natural-language quick-add: both only ever pre-fill a form for you to review, and neither saves anything on its own. Check what they produce before you accept it. Do not file a return, make an investment, or take on debt on the strength of anything this app tells you.

This app does not connect to your bank and has no live market or exchange-rate data. Exchange rates, account balances, investment prices and loan interest rates are all values you type in yourself. Projections, net worth, budget progress and the debt payoff planner are arithmetic over those values — if an input is stale or wrong, the output will be too, without any warning that it is.

• You are responsible for keeping your password secure and for activity under your account.
• You must give a real email address you control — it is how password resets reach you.
• Inviting someone into your household gives them full access to that household's financial records and documents. Only invite people you intend to share all of it with.
• A household owner can change shared settings, manage members and permanently delete items from Trash. Removing a member revokes their access, but anything they already saw or downloaded cannot be recalled.

Don't use this app to store or transmit anything unlawful, upload files you have no right to, attempt to reach another household's data, or interfere with the service for anyone else. Automated scraping and load testing against an instance you do not run are not permitted.

This is a personal-scale application. There is no uptime guarantee, no guaranteed backup schedule, and no promise that a feature available today will still be there tomorrow. Keep your own copies of anything you cannot afford to lose — the Transactions page exports to CSV, and your original documents should be kept wherever you normally keep them, not only here.

The app is free. There is no subscription, no trial that converts, no plan that renews, and no payment details are collected or stored anywhere in it. Nothing about your account auto-renews, because there is nothing to renew. If that ever changes, the price, the renewal period and the cancellation method will be shown next to the button that signs you up for it, before you agree to anything — not introduced quietly into a page like this one.

The one cost that can arise is not paid to the operator of this instance: the AI features run on the Claude API key your household's owner saves under Settings, and Anthropic bills that key directly for what it is used for. Remove the key under Settings → AI features and the AI features stop working — and stop costing — immediately. No other feature depends on it.

To stop using the app: clear your data from within it (Transactions, Accounts and Settings all allow deletion, and Trash empties permanently), or ask for the whole account and its household to be deleted using the contact details below. Nothing is required to cancel — not a phone call, not a retention conversation — because there is no subscription to end.

You keep the rights to everything you upload, and you must have the right to upload it. If you believe material stored here infringes your copyright, the notice procedure and the designated agent are on the Copyright / DMCA page. Accounts and households that repeatedly store infringing material are terminated.

The app is provided “as is”, without warranties of any kind, express or implied, including fitness for a particular purpose. To the fullest extent the law allows, the operator of this instance is not liable for any loss of data, financial loss, or other damages arising from your use of it — including decisions made on the basis of its calculations or AI-generated output.

Nothing here limits liability that cannot lawfully be limited.

You can stop using the app and request deletion of your account at any time. Access may be suspended or removed if these terms are breached in a way that puts other people's data or the service at risk.

These terms may change as the app does. The “last updated” date above reflects the most recent change, and continuing to use the app after a change means you accept it.

This instance has not configured a contact address. If you are running it, set the SUPPORT_EMAIL environment variable; if you are using someone else's instance, contact whoever gave you access.

See also the Privacy Policy and the Copyright / DMCA page.