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Terms Of Use

Last Updated: Jul 31, 2022

Overview

Welcome to the website (http://accountable.money) and/or app of Accountable Money LLC (“Accountable”, “we”, “our”, or “us”). Please read carefully as these terms and conditions (“terms”) apply to the use of the website and app. Throughout these terms, our website and app collectively will be referred to as ”Services”.

By accessing or using the Services, you agree to be bound by these terms and our Privacy Policy. You are not allowed to use the Services if you do not agree to these terms. At our sole discretion, we may modify the terms at any time. We will provide you with notice in accordance with legal requirements if we make a material change to these terms. The date at the top of this page is when any changes have become effective and your usage after such change constitutes your agreement with the revised terms.

Usage

Eligibility

You may not use the Services if you are under the age of 13. If you are under the age of 18 (or the legal age in your jurisdiction to form a binding contract), you must have prior consent from your parent or other legal guardian or you may not use the Services. If you have previously been suspended or removed from the Services, you also may not use the Services.

Registration and Information Accuracy

To use the app, you must create an account using current, complete, and accurate information. If any information is found to be inaccurate, we may remove you from the Services.

Account Security

While creating an account you will choose a password and/or other login credentials. You are responsible for keeping that information confidential and keeping it secure. You agree to notify us immediately if there is any unauthorized access to your account or any other breach of security. We will not be liable for any loss or damage if another person or entity accesses your account and you are fully responsible for all actions that take place from your account.

Prohibited Uses

The Services are only to be used for lawful purposes and not in violation of these terms. You agree not to (and not allow/aid any other party to):

  • Use the Services for:
    • Any illegal, inappropriate, or unauthorized use; including any way that violates federal/state/local/international laws and/or regulations
    • Any use that would violate the Privacy Policy
    • Harassing, harming, abusing, or exploiting another party; including other users and Accountable employees
    • Collecting or soliciting personal information from other users or parties without their consent
    • Commercial use or building a competing product/service
    • Duplicate, resell, or redistribute the Services
    • Copy, frame, or mirror any part of the Services
    • Transmit or introduce to the Services any malicious or harmful software; including viruses, worms, or trojan horses
    • Use any manual or automated means to index, mine, or monitor any part of the Services
    • Reverse engineer, modify, or tamper with any part of the Services
    • Attempt to scan, breach, or circumvent any part of the Services
    • Attempt to gain unauthorized access to any part of the Services; including internal systems and/or infrastructure, of the Services or third party service providers

Any of the above may result in your account being removed from the Services and/or legal action.

Termination

We may remove your account or restrict your access to the Services at any time and without prior notice. In the event of this, we will not be liable to you or any third party regardless of the reason. If you would like to remove your account, you may contact us at support@accountable.money.

Privacy Policy

Our handling of information collected through the Services is governed by our Privacy Policy. By using the services, you agree to the Privacy Policy.

User Content

User Content is defined as any content that a user provides to the Services, directly or through a third party.

You control, own, and are solely responsible for any User Content you provide. You represent and warrant that you won all your User Content or have the rights to grant us the license rights for your User Content as specified in these terms. By providing any User Content, you grant us a perpetual, royalty-free, worldwide, non-exclusive, irrevocable, sublicensable license to use, reproduce, display, perform, distribute, and create derivative works for the purpose of providing the services. You agree that you have full responsibility for any User Content that you provide, including reliability, accuracy, and completeness. We will not be responsible for any damages caused by your User Content.

  • Any User Content you provide will not:
    • Violate or promote violation of any laws or regulations
    • Violate any intellectual property rights
    • Be deceptive, harmful, inflammatory, or inappropriate
    • Impersonate someone else
    • Suggest endorsement from us

We reserve the right to monitor User Content and to alter/remove any User Content, for our protection, another party’s protection, for legal obligations, or in the event that it violates the terms. We are not responsible for the loss of any User Content.

Intellectual Property

The Services and all content on the Services, excluding User Content, is proprietary property owned by us, with all rights reserved. This includes any originals or copies, in whole or in part, and all intellectual property rights. You acknowledge the Services are protected by copyright, trademark, and other laws of the United States and foreign countries. You agree not to remove, alter, or obscure any copyright, trademark, or other proprietary rights notices included with or accompanying the Services.

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable license to view, copy, print, and download content from the Services, only for personal and non-commercial purposes or as permitted by these Terms. Any other use is not permitted and may violate copyright, trademark, or other laws. In addition, any copyright or proprietary notices must be kept as is and not obscured or removed. The Services may not be used for commercial purpose or resold/duplicated/assigned by you unless given explicit written permission.

The name Accountable and our company name, Accountable Money, as well as our company logo, are our trademarks. This also includes any related names, logos, designs, and product/service names. You must not use these without our prior written permission. Any other names, logos, or marks shown on the Services are the property of their respective owners.

Feedback

Any feedback provided to us relating to, but not limited to, functionality, performance, improvements, or bugs on the Services is free for us to use without payment, obligations, or restrictions. You grant us an unrestricted, perpetual, irrevocable, non-exclusive, worldwide, royalty-free, transferable, and sub-licensable right and license to use, copy, modify, prepare derivative works of, distribute, publish, and exploit in any manner and for any purpose.

Subscriptions

We may offer the Services for free, as a free trial, or as a paid subscription. If offered as a paid subscription, you authorize us or our third party service providers to charge your provided payment method. If set up as a recurring payment, you authorize us to charge you on a recurring basis, until subscription cancellation. Subscriptions will be automatically renewed unless canceled at least 24 hours before the end of the current subscription period. All fees are non-refundable.

We may at any time change the subscription fee for some or all features of the Services, change the included features of the Services, or require a paid subscription to access the Services. Before any changes, we will provide advance notice and the opportunity to accept the changes. Refusing to accept the changes may result in discontinuation of access to the Services and removal of your account.

Subscriptions or free trials may be canceled through the app or through the Apple App Store (if applicable). We do not have the ability to manage Apple App Store subscriptions, including initiating, canceling, or refunding your subscription. If your subscription is through the Apple App Store, you may manage your subscription or turn off auto-renewal through the Account Settings screen in the App Store app after purchase.

Third Party

If you use the Services through a business or professional (Business), you are bound by these terms and by any terms of our agreement with the Business. If your use of the Services with the Business ends, you may continue to use the Services through our current offering, either as a paid subscription or for free (if offered), or your account may be removed.

Notifications

By signing up for the Services and providing your email address, you agree that we may communicate with you electronically regarding any privacy, security, or administrative issues relating to your use of the Services. If there is a security breach, we will attempt to notify you electronically. If you would like to receive free written notice of any security breaches, please let us know at support@accountable.money.

You can opt out of some email by pushing the Unsubscribe button at the bottom of the email. Some types of email, such as administrative or account related emails, cannot be unsubscribed.

As part of the Services, we may send you push notifications based on your preferences, some of which may be turned on by default. You agree to receive these notifications, if push notifications are enabled for the app on your device. Push notifications can be disabled through your preferences or by disabling push notifications for the app. These notifications may contain sensitive information.

If you choose to provide your phone number, you authorize us to send text messages to your phone. Your carrier may charge third party messaging fees, of which we are not responsible. You can opt out from receiving text messages through your Account Settings.

We are not responsible and have no liability if a notification/email/text is delivered late, contains incorrect information, or fails to be delivered.

Sharing Information

We may allow you to share your budget, including financial information or personal information, with other users or businesses that you invite or whose invitations you accept. You accept full responsibility for and assume all risk from sharing your information and we are not responsible or liable for anything that happens as a result of sharing.

Financial Information

The Services allow you to aggregate, track, and organize your financial and personal information. It is possible to do this by manually adding your information, or by importing your information from financial institutions and third party sources with whom you have a customer or contractual relationship. If you choose to import your information, you authorize and direct us, as your agent and on your behalf, to retrieve your financial and personal information from these third party sources. Subject to our Privacy Policy, we may use one or more third party services to access and retrieve your information.

FOR PURPOSES OF THIS AGREEMENT AND SOLELY TO OBTAIN AND PROVIDE THE ACCOUNT INFORMATION TO YOU AS PART OF THE SERVICE, YOU GRANT US A LIMITED POWER OF ATTORNEY, AND APPOINT US AS YOUR ATTORNEY-IN-FACT AND AGENT, WITH FULL POWER OF SUBSTITUTION AND RE-SUBSTITUTION, FOR YOU AND IN YOUR NAME, PLACE AND STEAD, IN ANY AND ALL CAPACITIES, TO ACCESS THIRD PARTY SOURCE SITES, SERVERS, OR DOCUMENTS, RETRIEVE INFORMATION, AND USE YOUR INFORMATION WITH THE FULL POWER AND AUTHORITY TO DO SO AND PERFORM EVERY ACT AND THING REQUISITE AND NECESSARY TO BE DONE IN CONNECTION WITH SUCH ACTIVITIES, AS YOU COULD DO IN PERSON.

YOU ACKNOWLEDGE AND AGREE THAT WHEN WE ARE ACCESSING AND RETRIEVING ACCOUNT INFORMATION FROM THIRD PARTY SOURCES, WE ARE ACTING AS YOUR AGENT, AND NOT AS THE AGENT OF OR ON BEHALF OF ANY THIRD PARTY. YOU AGREE THAT THIRD PARTY SOURCES WILL BE ENTITLED TO RELY ON THE FOREGOING AUTHORIZATION, AGENCY, AND POWER OF ATTORNEY GRANTED BY YOU. You understand that the Services are not endorsed or sponsored by any third party account providers accessible through the Services.

We are not responsible for the accuracy of data obtained from third party sources that are displayed or reported through the Services. We also are not responsible and cannot guarantee the timeliness or availability of account information obtained from third party sources.

Neither us nor the Services are intended to provide legal, tax, financial, or other advice. Any reliance on information provided is at your own risk. While the Services may assist you in organizing your finances or decision making, you should consult with a financial professional before making final decisions or making changes to your financial strategy. If you are using the Services alongside a business or professional, we are not responsible or liable and do not endorse any advice or information that they provide.

Technical Difficulties

There is always a risk of technical issues, outages, slowdowns, or other difficulties that impact the Services. This could cause difficulty accessing the Services, affect our communication channels, affect the accuracy or timeliness of information on the Services, or cause loss of data. The Services may also be unavailable during system maintenance. We make no guarantee for the availability of the Services, the accuracy and timeliness of information, or against the loss of data. We are not responsible for any loss or damage from scheduled or unscheduled downtime of the Services.

Disclaimer of Warranties

YOUR USE OF THE SERVICES IS AT YOUR OWN RISK. THE SERVICES ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTY OF ANY KIND. WE EXPRESSLY DISCLAIM ANY WARRANTIES, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTY OR REPRESENTATION (i) THAT THE SERVICES ARE ACCURATE, TIMELY, UNINTERRUPTED, OR ERROR-FREE, (ii) THAT THE SERVICES ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS, (iii) REGARDING THE QUALITY, ACCURACY, RELIABILITY, OR COMPLETENESS OF ANY INFORMATION ON THE SERVICES, AND (iv) THAT THE SERVICES WILL MEET YOUR NEEDS OR EXPECTATIONS.

Limitation on Liability

IN NO EVENT WILL WE BE LIABLE FOR DAMAGES OF ANY KIND, UNDER ANY LEGAL THEORY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OR INABILITY TO USE THE SERVICES, INCLUDING ANY INCIDENTAL, SPECIAL, EXEMPLARY, OR CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO, PERSONAL INJURY, EMOTIONAL DISTRESS, LOST PROFITS, LOSS OF USE OR DATA OR GOODWILL, AND WHETHER CAUSED BY TORT (INCLUDING NEGLIGENCE), BREACH OF CONTRACT OR OTHERWISE, EVEN IF FORESEEABLE.

IN NO EVENT WILL THE TOTAL LIABILITY ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR FROM THE USE OF OR INABILITY TO USE THE SERVICES EXCEED THE AMOUNT YOU HAVE PAID TO USE FOR USE OF THE SERVICES IN THE LAST TWELVE MONTHS.

THE FOREGOING DOES NOT AFFECT ANY LIABILITY WHICH CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

Indemnification

You agree to defend, indemnify, and hold us harmless from any claims, losses, liabilities, demands, disputes, or damages, including, but not limited to, any attorney’s fees, arising out of or relating to your violation of these terms, your access or use of the Services, or any of your User Content.

Governing Law

Any disputes or claims will be governed by the laws of the State of Texas without regard to its conflict of law provisions.

General Terms

These terms and the Privacy Policy are the entire agreement between you and us with respect to the Services. These terms supersede and replace all prior oral or written agreements between you and us with respect to the Services. If any provision is deemed invalid or unenforceable, then it will be modified or severed, and the remainder of the terms will continue in full force and effect. Any delay or failure to exercise or enforce any part of these terms does not constitute a waiver of such right or provision in that or any other instance.

You may not assign or transfer these terms, by operation of law or voluntarily, without prior written consent from us. Any attempt to do so will be null and void. We may assign or transfer these terms at any time without your permission.