Terms of Use

These Terms govern your use of DueBy Budget Planner ("DueBy", the "App") and the website dueby.app, provided by Todd Lahman LLC, 24601 E Mica Peak Rd, Liberty Lake, WA 99019, USA ("we", "us"). By using the App you agree to these Terms and to Apple's Licensed Application End User License Agreement, the standard terms under which we license the App to you through the App Store. You must be 18 or older, or the age of majority where you live, to use the App.

1. Not financial advice

DueBy helps you track bills, subscriptions, income, and spending that you enter, import, or receive from your bank through Bank Sync. With DueBy Business it also helps you track a business's income and expenses, invoices, mileage, and rental properties. It does not provide financial, tax, accounting, or legal advice. It does not move money, does not send invoices or collect payments for you, and does not prepare or file a tax return. The Tax Summary, the Profit and Loss, the mileage deduction, and the tax estimate are summaries and estimates worked out from what is in DueBy. Tax lines, rates, and rules can be wrong, out of date, or not apply to you, and form lines are offered only for the United States and Canada. DueBy does not guarantee that any reminder is delivered, that any figure, category, tax line, distance, or match is correct, or that bank data is complete or current. You remain responsible for paying your bills on time, for checking amounts against your own statements, for what your invoices say and the taxes they charge, and for your tax returns. Check tax figures with your tax software or a preparer before you rely on them.

2. Purchases and billing

DueBy needs an active subscription. Downloading it costs nothing. Without a subscription, the App shows the plans and lets you export your data. There are two plans, DueBy Personal and DueBy Business, each sold as an auto-renewing subscription, monthly or yearly, billed through your Apple Account. DueBy Business includes everything in DueBy Personal. Current plans, prices, and any free trial are shown in the App and confirmed by Apple before you buy.

A subscription renews automatically unless you cancel at least 24 hours before the current period ends; manage or cancel it anytime in your Apple Account's subscription settings. If a free trial is offered, cancel at least 24 hours before it ends and you are not charged. When a subscription ends, the App shows the plans until you subscribe again. Your data stays on your devices and in your iCloud, and you can still export it. If you move from DueBy Business to DueBy Personal, the Business features lock, and what you entered in them is kept. DueBy Personal and DueBy Business support Apple Family Sharing. Refunds are handled by Apple under Apple's policies.

In the United States, Bank Sync is an optional monthly add-on, priced per connected bank. It needs an active DueBy Personal or DueBy Business subscription and is not shared through Family Sharing. Bank Sync keeps renewing until you cancel it, even if your DueBy subscription ends; while that subscription is inactive, or after you choose fewer banks, the connections your plan no longer covers pause and are removed after 7 days.

3. Your data and what you look after

There is no DueBy account. Your DueBy data is stored on your devices and in your own iCloud, under your Apple Account; Apple stores iCloud data under Apple's iCloud terms. We can't read it, and we can't restore or recover it for you.

You look after your Apple Account and its security, and you keep enough iCloud storage for DueBy to save to. If you turn on Advanced Data Protection for iCloud, you keep a recovery contact or recovery key: without one, Apple can't recover end-to-end encrypted data, and neither can we. Keep your own copies too: Export, in the App, writes everything to a file you choose.

If you share an account or a household, the people you invite see what you share. If you connect a bank, its requests pass through our relay, which keeps none of them, and Plaid's own terms apply to your use of Plaid. Our Privacy Policy describes what reaches us and what we do with it.

4. Acceptable use

Use the App only for your own lawful purposes: your personal finances, your household's, and your own business's. Don't attempt to reverse-engineer it, interfere with it, or use it to store content you have no right to store. If you keep details of other people in the App, such as customers, you are responsible for having the right to keep them.

5. Disclaimer and limit of liability

The App is provided "as is" and "as available", without warranties of any kind, and you use it at your own risk. To the extent the law allows, Todd Lahman LLC is not liable for late fees, missed payments, taxes, penalties or interest, unpaid invoices, lost data, or other indirect or consequential losses arising from your use of the App, and our total liability to you for any claim is limited to what you paid for DueBy in the 12 months before the claim.

Nothing in these Terms limits rights you have under consumer law that can't be waived or limited by contract, such as the consumer guarantees of Australian law, or our liability where the law doesn't allow it to be limited, including for harm caused intentionally or by gross negligence, or for fraud.

6. Changes and governing law

We may update these Terms. The date at the top changes with them, and material changes are noted in the App's release notes; continuing to use the App after a change means you accept the updated Terms. These Terms are governed by the laws of the State of Washington, USA, except where the law of the country you live in gives you protections that a contract can't take away.