Terms and Conditions

Agreement to Terms

These Terms and Conditions ("Terms") govern your use of the Household Finances application and related services (collectively, the "Service") operated by Household Finances ("we," "us," or "our").

By creating an account, you explicitly acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

During the account registration process, you are required to affirmatively accept these Terms before your account can be created. If you do not agree to these Terms, you may not create an account or use the Service.

Your continued use of the Service after account creation constitutes your ongoing acceptance of these Terms and any updates thereto. We will notify you of material changes to these Terms, and your continued use following such notification indicates your acceptance of the modified Terms.

Description of Service

Household Finances is a financial management application designed to help individuals and households track, manage, and organize their financial transactions. The Service may include features such as transaction tracking, categorization, household sharing, and notifications.

Financial Disclaimer

Household Finances is a financial tracking and management tool only. It does not provide financial, investment, tax, or legal advice. You should consult qualified professionals for financial decisions. We are not a bank, lender, or financial institution.

User Accounts

To use certain features of the Service, you must create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Maintain the security and confidentiality of your login credentials
• Accept responsibility for all activities that occur under your account
• Notify us immediately of any unauthorized use of your account

Authentication Options: We offer multiple methods to secure your account:

• Email and password
• One-time password (OTP) via SMS
• Authenticator application (recommended for enhanced security)

We strongly recommend using an authenticator application for the most secure login experience.

Age Requirement

You must be at least 18 years old to create an account and use the Service. By creating an account, you represent and warrant that you are at least 18 years of age. If you are under 18, you may not use the Service.

SMS Services

Our Service offers optional SMS-based features for transaction tracking and notifications. By providing your mobile phone number and completing SMS verification in your account settings, you expressly consent to receive text messages from Household Finances LLC.

• Opt-In: You opt in to SMS communications by voluntarily providing your phone number, acknowledging the consent checkbox, and completing the verification process in your account settings. Consent is not required to use Household Finances.
• Opt-Out: You may opt out at any time by texting STOP to our messaging number. Upon opting out, you will receive a confirmation message and no further SMS messages will be sent.
• Opt Back In: You may resume SMS communications at any time by texting START to our messaging number or by re-enabling SMS in your account settings.
• Message Frequency: Message frequency varies based on your account activity and settings.
• Carrier Charges: Standard message and data rates from your mobile carrier may apply. You are responsible for any charges incurred.
• Help: Text HELP to our messaging number for assistance, or contact us at support@householdfinances.com.

SMS Interactions

An "SMS Interaction" represents each response message sent to a recipient as part of our SMS expense tracking feature.

When you text an expense, our system processes it and sends a confirmation response. Each response sent to a household member counts as one SMS interaction:

• Direct texts: When you text individually, the response is sent to you — 1 interaction.
• Group texts: When household members share a group conversation, the response is delivered to each member in the group. For example, a group with 2 members uses 2 interactions per message; a group with 3 members uses 3 interactions.

Each paid plan includes a monthly allotment of SMS interactions. You can view your current usage in your account settings. Interaction counts reset at the beginning of each calendar month.

Notifications

By creating an account, you are automatically opted in to the following notification categories across email, in-app, and push channels:

• Trial Reminders: Notifications about the status and expiration of your free trial period.
• Usage Warnings: Alerts when you are approaching plan limits (e.g., transaction counts, connected accounts).
• Bank Sync Issues: Notifications about problems syncing your connected bank accounts or pending expense verifications.

We do not automatically opt you in to Marketing & Updates emails. Marketing communications require your explicit consent and can be enabled or disabled at any time in your account settings.

You have full control over all notification preferences. You may enable or disable any notification category — including the defaults listed above — at any time through the Notification Preferences section in your account settings.

Data Processing

To provide our Service, we process your financial data using the following methods:

• Automated Processing: We use third-party artificial intelligence services to parse, categorize, and organize your financial transactions.
• AI Data Protection: We exclusively partner with AI providers that contractually commit not to use your data for training purposes.
• Encryption: All data is encrypted in transit and at rest using industry-standard encryption protocols.

By using the Service, you consent to this automated processing of your financial data.

Data Retention

Your data is retained according to your account type:

• Paid Accounts: All data is retained for as long as your account remains active and will be deleted upon account deletion.
• Free Accounts: Historical transaction data older than 90 days may be automatically deleted. Current account information remains active.

You may delete your account and all associated data at any time through your account settings. Account deletion is permanent and cannot be reversed.

Acceptable Use

You agree not to use the Service to:

• Violate any applicable laws or regulations
• Infringe upon the rights of others
• Transmit malicious code, viruses, or harmful data
• Attempt to gain unauthorized access to our systems or other users' accounts
• Interfere with the proper functioning of the Service
• Use the Service for any fraudulent or deceptive purposes
• Reverse engineer, decompile, or disassemble any portion of the Service

Intellectual Property

The Service and its original content, features, and functionality are owned by Household Finances 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 without our prior written consent.

Disclaimer of Warranties

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

We do not warrant that the Service will be uninterrupted, error-free, or secure, or that any defects will be corrected. The Service is not intended to provide financial, investment, tax, or legal advice.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL HOUSEHOLD FINANCES, ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• Your access to or use of (or inability to access or use) the Service
• Any conduct or content of any third party on the Service
• Any content obtained from the Service
• Unauthorized access, use, or alteration of your transmissions or content

Indemnification

You agree to defend, indemnify, and hold harmless Household Finances and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses, including reasonable attorney's fees, arising out of or in any way connected with your access to or use of the Service or your violation of these Terms.

Privacy Policy

Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your personal information. By using the Service, you consent to our data practices as described in the Privacy Policy.

Referral Program

Eligible subscribers may invite others to join Household Finances. When a referred user subscribes to a paid plan, both parties receive benefits.

• Referred User: One month free trial (instead of 7 days)
• Referring User: Credit equal to one month of their current plan, up to $100 per calendar year

Conditions:

1. Referring users must hold an active paid subscription for at least 30 days
2. Referred users must be new to Household Finances (no existing account)
3. Referral credit is issued upon the referred user's first successful payment
4. The referred user's first paid month following the trial is non-refundable
5. If a referred user initiates a chargeback on their first payment, the referring user's credit will be revoked and their account debited for any credit already applied

We reserve the right to suspend referral privileges or withhold credits in cases of suspected abuse.

Mobile Application Terms

If you access the Service through a mobile application downloaded from the Apple App Store, Google Play Store, or any other app distribution platform, the following additional terms apply:

• Your use of the mobile application is also subject to the applicable app store's terms of service (e.g., Apple Media Services Terms and Conditions or Google Play Terms of Service).
• The app store provider (Apple, Google, etc.) is not a party to these Terms and has no obligation to provide maintenance, support, or warranty services for the application.
• In the event of any conflict between these Terms and the applicable app store terms, these Terms shall govern to the extent permitted.

Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms.

Upon termination, your right to use the Service will immediately cease. You may also terminate your account at any time by deleting it through your account settings.

Changes to Terms

We reserve the right to modify or replace these Terms at any time at our sole discretion. We will provide notice of any material changes by posting the new Terms on this page and updating the Last updated date. Your continued use of the Service after any changes constitutes your acceptance of the new Terms.

Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Ohio, United States, without regard to its conflict of law provisions.

Dispute Resolution

Informal Resolution: Before initiating any formal dispute proceeding, you agree to first contact us at legal@householdfinances.com and attempt to resolve the dispute informally for at least 30 days.

Binding Arbitration: If the dispute is not resolved informally, it shall be resolved through binding arbitration administered under the American Arbitration Association (AAA) Commercial Arbitration Rules. The arbitration shall be seated in Stark County, Ohio. Each party shall bear its own costs, and arbitrator fees shall be split equally between the parties.

Small Claims Exception: Either party may bring qualifying claims in small claims court in Stark County, Ohio, as an alternative to arbitration.

Class Action Waiver: All disputes shall be resolved on an individual basis. You agree that you may bring claims against Household Finances only in your individual capacity and not as a plaintiff or class member in any purported class action, collective action, or representative proceeding.

Injunctive Relief: Notwithstanding the above, either party may seek injunctive or equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement of intellectual property rights.

Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions shall continue in full force and effect. The invalid or unenforceable provision shall be modified to the minimum extent necessary to make it valid and enforceable.

Contact Us

If you have any questions about these Terms and Conditions, please contact us: