Catch most overdrafts
and NSF fees
before they happen.

We are Bradley Hechler, doing business as Hechlers Tax Service ("Company," "we," "us," "our"), a company registered in California, United States at 1719 Edwin Dr, Yuba City, CA 95993, United States. We operate the website https://housebills.app (the "Site"), the mobile application https://housebills.app (the "App"), as well as any other related products and services that refer or link to these legal terms (the "Legal Terms") (collectively, the "Services").

We help people manage their monthly bills and payday income so they know how much to spend or not.

You can contact us by phone at (+1) 530-788-5025, email at brad.hechler@gmail.com, or by mail to 1719 Edwin Dr, Yuba City, CA 95993, United States.

These Legal Terms constitute a legally binding agreement made between you, whether personally or on behalf of an entity ("you"), and Bradley Hechler, concerning your access to and use of the Services. You agree that by accessing the Services, you have read, understood, and agreed to be bound by all of these Legal Terms. IF YOU DO NOT AGREE WITH ALL OF THESE LEGAL TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICES AND YOU MUST DISCONTINUE USE IMMEDIATELY.

Supplemental terms and conditions or documents that may be posted on the Services from time to time are hereby expressly incorporated herein by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Legal Terms at any time and for any reason. We will alert you about any changes by updating the "Last updated" date of these Legal Terms, and you waive any right to receive specific notice of each such change. It is your responsibility to periodically review these Legal Terms to stay informed of updates. You will be subject to, and will be deemed to have been made aware of and to have accepted, the changes in any revised Legal Terms by your continued use of the Services after the date such revised Legal Terms are posted.

The Services are intended for users who are at least 18 years old. Persons under the age of 18 are not permitted to use or register for the Services. We recommend that you print a copy of these Legal Terms for your records.

1. Our Services

The information provided when using the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, those persons who choose to access the Services from other locations do so on their own initiative and are solely responsible for compliance with local laws, if and to the extent local laws are applicable.

2. Intellectual Property Rights

Our intellectual property. We are the owner or the licensee of all intellectual property rights in our Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics in the Services (collectively, the "Content"), as well as the trademarks, service marks, and logos contained therein (the "Marks"). Our Content and Marks are protected by copyright and trademark laws (and various other intellectual property rights and unfair competition laws) and treaties in the United States and around the world. The Content and Marks are provided in or through the Services "AS IS" for your personal, non-commercial use only.

Your use of our Services. Subject to your compliance with these Legal Terms, including the "Prohibited Activities" section below, we grant you a non-exclusive, non-transferable, revocable license to: access the Services; and download or print a copy of any portion of the Content to which you have properly gained access, solely for your personal, non-commercial use. Except as set out in this section or elsewhere in our Legal Terms, no part of the Services and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission. If you wish to make any use of the Services, Content, or Marks other than as set out in this section, please address your request to brad.hechler@gmail.com. We reserve all rights not expressly granted to you in and to the Services, Content, and Marks. Any breach of these Intellectual Property Rights will constitute a material breach of our Legal Terms and your right to use our Services will terminate immediately.

Your submissions and contributions. Submissions: By directly sending us any question, comment, suggestion, idea, feedback, or other information about the Services ("Submissions"), you agree to assign to us all intellectual property rights in such Submission. You agree that we shall own this Submission and be entitled to its unrestricted use and dissemination for any lawful purpose, commercial or otherwise, without acknowledgment or compensation to you.

Contributions: The Services may invite you to chat, contribute to, or participate in blogs, message boards, online forums, and other functionality during which you may create, submit, post, display, transmit, publish, distribute, or broadcast content and materials to us or through the Services (collectively, "Contributions"). Any Submission that is publicly posted shall also be treated as a Contribution. You understand that Contributions may be viewable by other users of the Services.

When you post Contributions, you grant us a license (including use of your name, trademarks, and logos): By posting any Contributions, you grant us an unrestricted, unlimited, irrevocable, perpetual, non-exclusive, transferable, royalty-free, fully-paid, worldwide right and license to use, copy, reproduce, distribute, sell, resell, publish, broadcast, retitle, store, publicly perform, publicly display, reformat, translate, excerpt, and exploit your Contributions for any purpose, commercial or otherwise, to prepare derivative works of, or incorporate into other works, your Contributions, and to sublicense the licenses granted in this section.

You are responsible for what you post or upload. By sending Submissions and/or posting Contributions, you confirm that you have read and agree with our Prohibited Activities section and will not post anything illegal, harassing, hateful, harmful, defamatory, obscene, bullying, abusive, discriminatory, threatening, sexually explicit, false, inaccurate, deceitful, or misleading; you waive any moral rights to the extent permissible by law; you warrant your Submissions/Contributions are original to you or that you have the necessary rights and licenses to submit them; and you warrant they do not constitute confidential information. You are solely responsible for your Submissions and/or Contributions and agree to reimburse us for any losses we suffer because of your breach of this section, a third party's intellectual property rights, or applicable law.

We may remove or edit your Content: Although we have no obligation to monitor any Contributions, we have the right to remove or edit any Contributions at any time without notice if we consider them harmful or in breach of these Legal Terms, and we may suspend or disable your account and report you to the authorities.

Copyright infringement. We respect the intellectual property rights of others. If you believe that any material available on or through the Services infringes upon any copyright you own or control, please refer to the "Copyright Infringements" section below.

3. User Representations

By using the Services, you represent and warrant that: (1) all registration information you submit will be true, accurate, current, and complete; (2) you will maintain the accuracy of such information and promptly update it as necessary; (3) you have the legal capacity and agree to comply with these Legal Terms; (4) you are not a minor in the jurisdiction in which you reside; (5) you will not access the Services through automated or non-human means, whether through a bot, script, or otherwise; (6) you will not use the Services for any illegal or unauthorized purpose; and (7) your use of the Services will not violate any applicable law or regulation. If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Services.

4. User Registration

You may be required to register to use the Services. You agree to keep your password confidential and will be responsible for all use of your account and password. We reserve the right to remove, reclaim, or change a username you select if we determine, in our sole discretion, that such username is inappropriate, obscene, or otherwise objectionable.

5. Purchases and Payment

We accept the following forms of payment: Visa and Mastercard. You agree to provide current, complete, and accurate purchase and account information for all purchases made via the Services, and to promptly update your account and payment information (including email address, payment method, and card expiration date) so we can complete transactions and contact you as needed. Sales tax will be added to the price of purchases as deemed required by us. We may change prices at any time. All payments shall be in US dollars. You agree to pay all charges at the prices then in effect for your purchases and any applicable fees, and you authorize us to charge your chosen payment provider for those amounts upon placing your order. We reserve the right to correct any errors or mistakes in pricing, even if we have already requested or received payment, and to refuse or limit any order in our sole discretion.

6. Subscriptions

Billing and Renewal. To continue service, the user must manually renew either monthly or yearly.

Free Trial. We offer a 90-day free trial to new users who register with the Services. The account will not be charged and the subscription will be suspended until upgraded to a paid version at the end of the free trial.

Cancellation. You can cancel your subscription at any time by contacting us using the contact information provided below. Your cancellation will take effect at the end of the current paid term. If you have any questions or are unsatisfied with our Services, please email us at brad.hechler@gmail.com.

Fee Changes. We may, from time to time, make changes to the subscription fee and will communicate any price changes to you in accordance with applicable law.

7. Software

We may include software for use in connection with our Services. If such software is accompanied by an end user license agreement ("EULA"), the terms of the EULA will govern your use of the software. If not, we grant you a non-exclusive, revocable, personal, non-transferable license to use such software solely in connection with our Services and in accordance with these Legal Terms. Any software and related documentation is provided "AS IS" without warranty of any kind, and you accept all risk arising from its use or performance. You may not reproduce or redistribute any software except in accordance with the EULA or these Legal Terms.

8. Prohibited Activities

You may not access or use the Services for any purpose other than that for which we make the Services available. The Services may not be used in connection with any commercial endeavors except those specifically endorsed or approved by us. As a user of the Services, you agree not to:

• Systematically retrieve data or other content from the Services to create or compile a collection, compilation, database, or directory without written permission from us.
• Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords.
• Circumvent, disable, or otherwise interfere with security-related features of the Services.
• Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Services.
• Use any information obtained from the Services to harass, abuse, or harm another person.
• Make improper use of our support services or submit false reports of abuse or misconduct.
• Use the Services in a manner inconsistent with any applicable laws or regulations.
• Engage in unauthorized framing of or linking to the Services.
• Upload or transmit viruses, Trojan horses, or other material — including excessive capital letters and spamming — that interferes with any party's use of the Services.
• Engage in any automated use of the system, such as scripts to send comments/messages, or data mining, robots, or similar extraction tools.
• Delete the copyright or other proprietary rights notice from any Content.
• Attempt to impersonate another user or person or use the username of another user.
• Upload or transmit any material that acts as a passive or active information collection or transmission mechanism, including clear graphics interchange formats ("gifs"), 1×1 pixels, web bugs, cookies, or similar devices (sometimes referred to as "spyware" or "passive collection mechanisms").
• Interfere with, disrupt, or create an undue burden on the Services or the networks or services connected to the Services.
• Harass, annoy, intimidate, or threaten any of our employees or agents engaged in providing any portion of the Services to you.
• Attempt to bypass any measures of the Services designed to prevent or restrict access to the Services.
• Copy or adapt the Services' software, including but not limited to Flash, PHP, HTML, JavaScript, or other code.
• Except as permitted by applicable law, decipher, decompile, disassemble, or reverse engineer any of the software comprising the Services.
• Use, launch, develop, or distribute any automated system, including any spider, robot, cheat utility, scraper, or offline reader that accesses the Services, or use any unauthorized script or software.
• Use a buying agent or purchasing agent to make purchases on the Services.
• Make any unauthorized use of the Services, including collecting usernames and/or email addresses of users for the purpose of sending unsolicited email, or creating user accounts by automated means or under false pretenses.
• Use the Services as part of any effort to compete with us or otherwise use the Services and/or the Content for any revenue-generating endeavor or commercial enterprise.
• Use the Services to advertise or offer to sell goods and services.
• Sell or otherwise transfer your profile.

9. User Generated Contributions

The Services may invite you to chat, contribute to, or participate in blogs, message boards, online forums, and other functionality, and may provide you with the opportunity to create, submit, post, display, transmit, perform, publish, distribute, or broadcast content and materials to us or on the Services (collectively, "Contributions"). Contributions may be viewable by other users of the Services and through third-party websites. When you create or make available any Contributions, you represent and warrant that they do not infringe any third party's proprietary rights; that you own or have the necessary licenses, rights, consents, and permissions to use and authorize us and others to use your Contributions as contemplated by the Services; that you have consent from any identifiable individuals in your Contributions; and that your Contributions are not false, misleading, unsolicited advertising, obscene, harassing, defamatory, or otherwise objectionable, do not ridicule or abuse anyone, do not threaten or promote violence, and do not violate any applicable law, regulation, or third party's privacy or publicity rights, including laws protecting minors. Any use of the Services in violation of the foregoing may result in termination or suspension of your rights to use the Services.

10. Contribution License

By posting your Contributions to any part of the Services, you automatically grant, and represent and warrant that you have the right to grant, us an unrestricted, unlimited, irrevocable, perpetual, non-exclusive, transferable, royalty-free, fully-paid, worldwide right and license to host, use, copy, reproduce, disclose, sell, resell, publish, broadcast, retitle, archive, store, cache, publicly perform, publicly display, reformat, translate, transmit, excerpt, and distribute such Contributions for any purpose, and to prepare derivative works of, or incorporate into other works, such Contributions, and to authorize sublicenses of the foregoing. This license applies to any form, media, or technology now known or hereafter developed. You waive all moral rights in your Contributions. We do not assert ownership over your Contributions — you retain full ownership and are solely responsible for them. We have the right, in our sole discretion, to edit, redact, or change any Contributions, re-categorize them, or pre-screen or delete them at any time and for any reason, without notice. We have no obligation to monitor your Contributions.

11. Guidelines for Reviews

We may provide you areas on the Services to leave reviews or ratings. When posting a review, you must: have firsthand experience with the person/entity being reviewed; avoid offensive, abusive, racist, or hateful language; avoid discriminatory references based on religion, race, gender, national origin, age, marital status, sexual orientation, or disability; avoid references to illegal activity; not be affiliated with competitors if posting negative reviews; not make legal conclusions about conduct; not post false or misleading statements; and not organize a campaign encouraging others to post reviews. We may accept, reject, or remove reviews in our sole discretion, and have no obligation to screen or delete them. Reviews are not endorsed by us and do not represent our opinions. By posting a review, you grant us a perpetual, non-exclusive, worldwide, royalty-free, fully paid, assignable, and sublicensable right and license to reproduce, modify, translate, transmit, display, perform, and/or distribute that content.

12. Mobile Application License

Use License. If you access the Services via the App, we grant you a revocable, non-exclusive, non-transferable, limited right to install and use the App on wireless electronic devices owned or controlled by you, strictly in accordance with these Legal Terms. You shall not: decompile, reverse engineer, disassemble, or decrypt the App except as permitted by law; modify or create a derivative work from the App; violate any applicable laws in connection with your use of the App; remove or alter any proprietary notice; use the App for any revenue-generating purpose for which it is not designed; make the App available over a network for use by multiple devices or users simultaneously; create a competitive product or service using the App; use the App to send automated queries or unsolicited commercial email; or use our intellectual property in developing competing applications, accessories, or devices.

Apple and Android Devices. The following terms apply when you use the App obtained from the Apple Store or Google Play (each an "App Distributor"): the license granted is limited to a non-transferable license to use the application on a device that utilizes the Apple iOS or Android operating system, in accordance with the applicable App Distributor's terms of service; we, not the App Distributor, are responsible for providing maintenance and support for the App; in the event the App fails to conform to any applicable warranty, you may notify the App Distributor, who may refund the purchase price, if any, and the App Distributor will have no other warranty obligation; you represent that you are not located in a country subject to a US government embargo or designated as "terrorist supporting," and that you are not listed on any US government list of prohibited or restricted parties; you must comply with applicable third-party terms of agreement when using the App; and the App Distributors are third-party beneficiaries of this mobile application license and may enforce it against you.

13. Services Management

We reserve the right, but not the obligation, to: monitor the Services for violations of these Legal Terms; take appropriate legal action against anyone who violates the law or these Legal Terms, including reporting them to law enforcement; in our sole discretion, refuse, restrict, limit, or disable any of your Contributions; remove from the Services or disable files and content that are excessive in size or burdensome to our systems; and otherwise manage the Services in a manner designed to protect our rights and property and facilitate the proper functioning of the Services.

14. Privacy Policy

We care about data privacy and security. Please review our Privacy Policy at housebills.app/privacy. By using the Services, you agree to be bound by our Privacy Policy, which is incorporated into these Legal Terms. Please be advised the Services are hosted in the United States. If you access the Services from any other region of the world with laws or other requirements governing personal data collection, use, or disclosure that differ from applicable laws in the United States, then through your continued use of the Services, you are transferring your data to the United States, and you expressly consent to have your data transferred to and processed in the United States.

15. Copyright Infringements

We respect the intellectual property rights of others. If you believe that any material available on or through the Services infringes upon any copyright you own or control, please immediately notify us using the contact information provided below (a "Notification"). A copy of your Notification will be sent to the person who posted or stored the material addressed in the Notification. Please be advised that pursuant to applicable law you may be held liable for damages if you make material misrepresentations in a Notification. If you are not sure that material located on or linked to by the Services infringes your copyright, you should consider first contacting an attorney.

16. Term and Termination

These Legal Terms shall remain in full force and effect while you use the Services. WITHOUT LIMITING ANY OTHER PROVISION OF THESE LEGAL TERMS, WE RESERVE THE RIGHT TO, IN OUR SOLE DISCRETION AND WITHOUT NOTICE OR LIABILITY, DENY ACCESS TO AND USE OF THE SERVICES (INCLUDING BLOCKING CERTAIN IP ADDRESSES), TO ANY PERSON FOR ANY REASON OR FOR NO REASON, INCLUDING FOR BREACH OF ANY REPRESENTATION, WARRANTY, OR COVENANT CONTAINED IN THESE LEGAL TERMS OR OF ANY APPLICABLE LAW OR REGULATION. WE MAY TERMINATE YOUR USE OR PARTICIPATION IN THE SERVICES OR DELETE YOUR ACCOUNT AND ANY CONTENT OR INFORMATION THAT YOU POSTED AT ANY TIME, WITHOUT WARNING, IN OUR SOLE DISCRETION. If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party. In addition, we reserve the right to take appropriate legal action, including civil, criminal, and injunctive redress.

17. Modifications and Interruptions

We reserve the right to change, modify, or remove the contents of the Services at any time or for any reason at our sole discretion without notice. However, we have no obligation to update any information on our Services, and we will not be liable to you or any third party for any modification, price change, suspension, or discontinuance of the Services. We cannot guarantee the Services will be available at all times; we may experience hardware, software, or other problems, or need to perform maintenance, resulting in interruptions, delays, or errors. You agree that we have no liability whatsoever for any loss, damage, or inconvenience caused by your inability to access or use the Services during any downtime or discontinuance. Nothing in these Legal Terms obligates us to maintain and support the Services or to supply any corrections, updates, or releases.

18. Governing Law

These Legal Terms and your use of the Services are governed by and construed in accordance with the laws of the State of California applicable to agreements made and to be entirely performed within the State of California, without regard to its conflict of law principles.

19. Dispute Resolution

Informal Negotiations. To expedite resolution and control the cost of any dispute, controversy, or claim related to these Legal Terms (each a "Dispute," collectively the "Disputes") brought by either you or us (each a "Party," collectively the "Parties"), the Parties agree to first attempt to negotiate any Dispute informally for at least thirty (30) days before initiating arbitration. Such informal negotiations commence upon written notice from one Party to the other.

Binding Arbitration. If the Parties are unable to resolve a Dispute through informal negotiations, the Dispute will be finally and exclusively resolved by binding arbitration. YOU UNDERSTAND THAT WITHOUT THIS PROVISION, YOU WOULD HAVE THE RIGHT TO SUE IN COURT AND HAVE A JURY TRIAL. The arbitration shall be commenced and conducted under the Commercial Arbitration Rules of the American Arbitration Association ("AAA") and, where appropriate, the AAA's Supplementary Procedures for Consumer Related Disputes ("AAA Consumer Rules"), both available at adr.org. Your arbitration fees and share of arbitrator compensation shall be governed by the AAA Consumer Rules; if such costs are determined by the arbitrator to be excessive, we will pay all arbitration fees and expenses. The arbitration may be conducted in person, through submission of documents, by phone, or online. The arbitrator will make a decision in writing and must follow applicable law. Except where otherwise required, arbitration will take place in California, United States. The Parties may litigate in court to compel arbitration, stay proceedings pending arbitration, or to confirm, modify, vacate, or enter judgment on the arbitrator's award. If for any reason a Dispute proceeds in court rather than arbitration, it shall be commenced in the state and federal courts located in California, United States, and the Parties consent to, and waive all defenses of lack of personal jurisdiction and forum non conveniens with respect to, venue and jurisdiction in such courts. The United Nations Convention on Contracts for the International Sale of Goods and the Uniform Computer Information Transaction Act (UCITA) are excluded from these Legal Terms. In no event shall any Dispute be commenced more than one (1) year after the cause of action arose. If this provision is found illegal or unenforceable, the affected Dispute will be decided by a court of competent jurisdiction within the courts listed above.

Restrictions. The Parties agree that any arbitration shall be limited to the Dispute between the Parties individually. No arbitration shall be joined with any other proceeding; there is no right to arbitrate any Dispute on a class-action basis or to utilize class action procedures; and there is no right to bring any Dispute in a purported representative capacity on behalf of the general public or other persons.

Exceptions to Informal Negotiations and Arbitration. The Parties agree the following Disputes are not subject to the above provisions: (a) Disputes seeking to enforce or protect, or concerning the validity of, intellectual property rights; (b) Disputes related to allegations of theft, piracy, invasion of privacy, or unauthorized use; and (c) any claim for injunctive relief. If this provision is found illegal or unenforceable, the affected Dispute will be decided by a court of competent jurisdiction as described above.

20. Corrections

There may be information on the Services that contains typographical errors, inaccuracies, or omissions, including descriptions, pricing, availability, and other information. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update information on the Services at any time, without prior notice.

21. Disclaimer

THE SERVICES ARE PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE SERVICES WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE SERVICES, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE SERVICES' CONTENT, AND WE ASSUME NO LIABILITY FOR: (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT; (2) PERSONAL INJURY OR PROPERTY DAMAGE RESULTING FROM YOUR ACCESS TO AND USE OF THE SERVICES; (3) ANY UNAUTHORIZED ACCESS TO OR USE OF OUR SECURE SERVERS AND/OR ANY PERSONAL OR FINANCIAL INFORMATION STORED THEREIN; (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE SERVICES; (5) ANY BUGS, VIRUSES, OR THE LIKE TRANSMITTED THROUGH THE SERVICES BY ANY THIRD PARTY; AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT OR FOR ANY LOSS OR DAMAGE INCURRED AS A RESULT OF USING ANY CONTENT POSTED OR MADE AVAILABLE VIA THE SERVICES. WE DO NOT WARRANT, ENDORSE, GUARANTEE, OR ASSUME RESPONSIBILITY FOR ANY PRODUCT OR SERVICE ADVERTISED BY A THIRD PARTY THROUGH THE SERVICES. AS WITH ANY PURCHASE, YOU SHOULD USE YOUR BEST JUDGMENT AND EXERCISE CAUTION WHERE APPROPRIATE.

22. Limitations of Liability

IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE SERVICES, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER, REGARDLESS OF THE FORM OF ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO US DURING THE SIX (6) MONTH PERIOD PRIOR TO ANY CAUSE OF ACTION ARISING. CERTAIN US STATE LAWS AND INTERNATIONAL LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

23. Indemnification

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys' fees and expenses, made by any third party due to or arising out of: (1) your Contributions; (2) use of the Services; (3) breach of these Legal Terms; (4) any breach of your representations and warranties set forth in these Legal Terms; (5) your violation of the rights of a third party, including intellectual property rights; or (6) any overt harmful act toward any other user of the Services with whom you connected via the Services. We reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense of such claims.

24. User Data

We will maintain certain data that you transmit to the Services for the purpose of managing the performance of the Services, as well as data relating to your use of the Services. Although we perform daily backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Services. We are not responsible for any loss, corruption, or unauthorized access to your data resulting from hacking, security breaches, or other unauthorized third-party access to our systems, to the fullest extent permitted by law. We recommend you export your own data daily as an additional safeguard (Setup → Export & Import Data in the app). You agree that we shall have no liability to you for any loss or corruption of any such data, and you hereby waive any right of action against us arising from any such loss or corruption of data.

25. Electronic Communications, Transactions, and Signatures

Visiting the Services, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically satisfy any legal requirement that such communication be in writing. YOU HEREBY AGREE TO THE USE OF ELECTRONIC SIGNATURES, CONTRACTS, ORDERS, AND OTHER RECORDS, AND TO ELECTRONIC DELIVERY OF NOTICES, POLICIES, AND RECORDS OF TRANSACTIONS INITIATED OR COMPLETED BY US OR VIA THE SERVICES. You hereby waive any rights or requirements under any statutes, regulations, rules, ordinances, or other laws in any jurisdiction which require an original signature or delivery or retention of non-electronic records, or to payments or the granting of credits by any means other than electronic means.

26. California Users and Residents

If any complaint with us is not satisfactorily resolved, you can contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834, or by telephone at (800) 952-5210 or (916) 445-1254.

27. Miscellaneous

These Legal Terms and any policies or operating rules posted by us on the Services constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Legal Terms shall not operate as a waiver of such right or provision. These Legal Terms operate to the fullest extent permissible by law. We may assign any or all of our rights and obligations to others at any time. We shall not be responsible or liable for any loss, damage, delay, or failure to act caused by any cause beyond our reasonable control. If any provision of these Legal Terms is determined to be unlawful, void, or unenforceable, that provision is deemed severable and does not affect the validity and enforceability of any remaining provisions. There is no joint venture, partnership, employment, or agency relationship created between you and us as a result of these Legal Terms or use of the Services. You agree that these Legal Terms will not be construed against us by virtue of having drafted them. You hereby waive any and all defenses you may have based on the electronic form of these Legal Terms and the lack of signing by the parties to execute these Legal Terms.

28. Contact Us

In order to resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at:

Bradley Hechler
1719 Edwin Dr
Yuba City, CA 95993
United States
Phone: (+1) 530-788-5025
Email: brad.hechler@gmail.com

1. Information We Collect

We collect your email address and the bill and payday data you enter into the app. We also automatically collect your IP address when you sign up, sign in, or start a free trial. We do not collect bank account numbers, credit card numbers, or any banking credentials. We do not connect to your bank.

2. How We Use Your Information

We use your email address to create and manage your account, sign you in, and send you account-related messages — password resets, and any daily summary or low-funds alert emails you've enabled. We use the bill and payday data you enter to power the app itself: the calendar, the daily summary, low-funds alerts, and your reports. We use your IP address for account security and fraud prevention — for example, to lock out repeated failed sign-in attempts and block abusive signup activity — and to get an approximate, non-personal count of how many people click to start a free trial from our marketing site. We don't use your data for advertising, and we don't sell it to advertisers. If you subscribe to a paid plan, your billing details are handled directly by our payment processor, Stripe — we do not receive or store your full card number.

3. Data Storage & Security

Your data is stored in an access-controlled database hosted in the United States. Connections between your browser and our servers are encrypted (HTTPS/TLS), and passwords are stored using industry-standard hashing — never in plain text. Access to the database is limited to what's needed to operate the Services. We perform daily backups of our database to guard against data loss. We take reasonable steps to protect your data, but no method of storage or transmission over the internet is 100% secure, and we can't guarantee absolute security — we are not responsible for losses caused by hacking, security breaches, or other unauthorized access that occurs despite those measures. As an extra safeguard, we recommend exporting your own bills and pay dates daily — you can do this any time from Setup → Export & Import Data in the app.

4. Data Sharing

We do not sell, rent, or share your personal information with third parties. Your bill amounts and account information stay private to your account.

5. Cookies

The only cookies we set are strictly necessary/functional — used by Cookiebot itself to remember your cookie preference, and nothing beyond that. We use Cookiebot to manage cookie consent and let you control which categories of cookies you allow on this site. The app itself uses your browser's local storage — not tracking cookies — to keep you signed in during your session and remember display preferences like dark mode and calendar view. That data stays on your device and isn't used to track you across other websites. We do not use advertising cookies, cross-site tracking cookies, or analytics cookies of any kind. Because we don't perform behavioral tracking in the first place, Do Not Track browser signals don't change anything about how we treat your data — there's nothing to opt out of.

6. Your Rights

You can access, correct, or delete the bill and payday data in your account at any time by signing in and editing or removing it directly. To close your account, request deletion of your account data, or request a copy of the information we hold about you, contact us at the email below and we'll respond within a reasonable time. California residents may have additional rights under the CCPA — see the Terms of Use for how to reach California's consumer protection resources.

7. Contact

For privacy-related questions, contact us at the email listed on this site.