These Terms of Service ("Terms") are an agreement between you and Clear-Budget ("we", "us"). They apply to the Clear-Budget website at clear-budget.com and to the Clear-Budget apps for iPhone and Android (together, the "Service").
By creating an account, buying Premium, or otherwise using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, please do not use the Service.
You must be at least 13 years old, or the minimum age required where you live, to use the Service.
2. Your account
You may need an account to use some features. Please give accurate information and keep it up to date.
You are responsible for keeping your password safe and for activity under your account. Tell us right away at support@clear-budget.com if you think someone else has used it.
If you share a budget with another person, that person can see and change the budget you share. Only share with people you trust. You can stop sharing at any time.
3. Using the Service
Clear-Budget is for personal, non-commercial budgeting. We give you a personal, non-exclusive, non-transferable, revocable license to use the Service under these Terms.
Do not use the Service for anything unlawful; try to break into, overload, or disrupt it; scrape it or copy it to build a competing product; or upload content that is illegal or infringes anyone's rights.
We may change, add, or remove features over time. We will try to give notice of changes that remove something you pay for.
4. Not financial advice
Clear-Budget is a tool for organizing the numbers you enter. Figures such as "safe to spend", payoff dates, and projections are estimates based on that information. They are not financial, tax, legal, or investment advice.
You are responsible for your financial decisions, and for checking balances and due dates with your bank and billers.
5. Premium subscriptions
Clear-Budget is free to use. Premium is an optional paid subscription that unlocks extra features. Prices and features are shown before you buy and may differ by country and by where you buy.
Bought on clear-budget.com: payments are processed by Stripe. Change or cancel at any time in Settings on the website.
Bought in the iPhone app: payment is charged to your Apple ID by the App Store. Manage or cancel it in your Apple ID subscription settings.
Bought in the Android app: payment is charged to your Google account by Google Play. Manage or cancel it in the Google Play Store under Payments & subscriptions.
Subscriptions renew automatically at the end of each monthly or yearly period, at the then-current price, unless you cancel at least 24 hours before the period ends. When you cancel, Premium stays active until the end of the period you already paid for.
Refunds for App Store and Google Play purchases are handled by Apple or Google under their refund policies. For purchases on the website, contact us at support@clear-budget.com. Nothing in these Terms limits any refund rights you have under the law where you live.
If we change the price of Premium, we will tell you in advance, and the new price applies from your next renewal. Prices may not include taxes, which are added where required.
6. Your data
The budgets, transactions, and other information you enter remain yours. You give us permission to store and process it only to run the Service for you, as described in our Privacy Policy.
You can delete your account at any time from Settings. See how to delete your account for what is removed. Deleting your account does not cancel an App Store or Google Play subscription; cancel that in the store as well.
We take reasonable steps to protect your data, but no service is perfectly secure, and we recommend keeping your own records of anything important.
7. Intellectual property
The Service, including its software, design, text, graphics, and logos, belongs to Clear-Budget and is protected by copyright, trademark, and other laws. These Terms do not give you any rights in it beyond the license above.
If you send us feedback or ideas, we may use them without any obligation to you.
8. App stores
If you downloaded the app from the Apple App Store or Google Play, these Terms are between you and Clear-Budget, not Apple or Google. Apple and Google are not responsible for the app, its content, maintenance, support, or any claims about it, except as their own terms provide.
Your use of the app must also follow the rules of the store you got it from. For apps from the App Store, Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.
9. Disclaimers
The Service is provided "as is" and "as available". To the fullest extent the law allows, we make no warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, or non-infringement, and we do not promise the Service will be uninterrupted or error-free.
10. Limitation of liability
To the fullest extent the law allows, Clear-Budget will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits, data, or goodwill, arising from your use of the Service.
Our total liability for any claim about the Service is limited to the greater of the amount you paid us for the Service in the 12 months before the claim, or US $50.
Some places do not allow these limits, so they may not all apply to you.
11. Indemnification
You agree to defend and hold harmless Clear-Budget from claims, losses, and expenses, including reasonable legal fees, that arise from your misuse of the Service or your breach of these Terms.
12. Ending your use
You may stop using the Service and delete your account at any time.
We may suspend or close an account that breaks these Terms, puts other users or the Service at risk, or where the law requires it. Where reasonable, we will tell you first. If we close your account without cause, we will refund any unused part of a Premium subscription you bought on the website.
13. Changes to these Terms
We may update these Terms from time to time. We will change the "Last updated" date above and, for significant changes, let you know in the app or by email before they take effect. If you keep using the Service after changes take effect, you accept the new Terms.
14. General
These Terms are governed by the laws of the United States and the state where Clear-Budget is based, without regard to conflict-of-law rules, except where the law where you live requires otherwise.
If any part of these Terms is found unenforceable, the rest stays in effect. Our not enforcing a part of these Terms is not a waiver of it. You may not transfer these Terms without our consent; we may transfer them as part of a merger or sale of the Service.
These Terms and our Privacy Policy are the entire agreement between you and us about the Service.