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Legal

Terms of Service

Last updated: November 2025

1. Acceptance of Terms

By accessing or using Billy ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you disagree with any part of these terms, you may not access the Service.

2. Description of Service

2.1 Mobile App

The Billy mobile application is an Android app that helps you track expenses, manage subscriptions, and visualize spending. The app stores all your financial data locally on your device using Room Database. Key features include:

  • Subscription and expense tracking
  • Category-based organization
  • Spending analytics and visualizations
  • Billing reminders and notifications
  • Data export functionality
  • Receipt photo capture and management

2.2 Website

The Billy website provides information about our services, blog content, waitlist signup, and contact forms. The website does not store or process your financial data.

3. User Accounts

3.1 Mobile App

The mobile app does not require account creation. All data is stored locally on your device. However, if you choose to use features that require account creation in the future, you agree to:

  • Provide accurate, current, and complete information
  • Maintain and update your information to keep it accurate
  • Maintain the security of your password and account
  • Accept responsibility for all activities under your account
  • Notify us immediately of any unauthorized use

3.2 Website

Using the website (including joining the waitlist or submitting contact forms) does not require account creation. By providing your email address, you consent to receive communications from us related to the service.

4. Acceptable Use

You agree not to:

  • Use the Service for any illegal purpose or in violation of any laws
  • Violate or infringe upon the rights of others
  • Transmit any harmful code, viruses, or malicious software
  • Attempt to gain unauthorized access to the Service or related systems
  • Interfere with or disrupt the Service or servers
  • Use automated systems to access the Service without permission

5. Intellectual Property

The Service and its original content, features, and functionality are owned by Billy and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of our Service.

6. User Content

6.1 Mobile App

You retain full ownership of all data and content you enter into the mobile app (subscriptions, expenses, categories, photos). This data is stored locally on your device and remains under your control. We do not access, use, or process this data except as necessary to provide app functionality on your device.

By using the mobile app, you grant us permission to use anonymized, aggregated usage data to improve the app's performance and features.

6.2 Website

You retain ownership of any content you submit through the website (contact form messages, waitlist email). By submitting content, you grant us a license to use, store, and process this information solely for the purpose of responding to your inquiries and providing the service.

7. Payment Terms

7.1 Mobile App

If you purchase a subscription or make in-app purchases through the mobile app, you agree to pay all fees associated with your purchase. All fees are processed through Google Play Store and are subject to Google's payment terms. All fees are non-refundable unless required by law or Google Play Store policy. We reserve the right to change our pricing with notice.

7.2 Website

The website is free to use. There are no payment requirements for accessing website content, joining the waitlist, or using contact forms.

8. Service Availability

8.1 Mobile App

The mobile app is designed to work offline. Your data is stored locally, so core functionality is available even without an internet connection. However, certain features (such as app updates, cloud sync if implemented, or analytics) may require internet connectivity.

We may perform maintenance, updates, or modifications that temporarily affect app functionality. We strive to provide reliable service but do not guarantee uninterrupted availability.

8.2 Website

We strive to provide reliable website service but do not guarantee that the website will be available at all times. We may perform maintenance, updates, or modifications that temporarily interrupt service. The website requires an internet connection to access.

9. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES.

11. Indemnification

You agree to indemnify and hold harmless Billy and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses arising out of your use of the Service or violation of these Terms.

12. Termination

12.1 Mobile App

You may stop using the mobile app at any time by uninstalling it from your device. Uninstalling the app will remove all locally stored data unless you have enabled Android backup. You can export your data before uninstalling through the app's export feature.

We reserve the right to remove the app from app stores or discontinue support, but this will not affect your ability to use already-installed versions or access your locally stored data.

12.2 Website

You may stop using the website at any time. We may terminate or suspend access to the website immediately, without prior notice, for any reason, including breach of these Terms. Upon termination, your right to use the website will cease immediately.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Billy operates, without regard to its conflict of law provisions.

14. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of any material changes. Your continued use of the Service after such modifications constitutes acceptance of the updated Terms.

15. Contact Information

If you have any questions about these Terms, please contact us at hello@billy-expenses.com or visit our Contact page.