Terms of Service

Bill information: the Service may display bill data extracted from emails, PDFs, uploads, or information you enter. Extraction and categorization may be automated and can contain errors.

No guarantee of completeness: we do not guarantee that all bills will be detected, that due dates/amounts are correct, or that reminders will be delivered. You are responsible for verifying bill details with the bill issuer.

Payments: if you initiate payments through the Service, payments are processed by third‑party providers (e.g., Stripe). We do not store full payment card details and we are not responsible for the performance of payment networks, banks, or processors.

If you connect an email account (for example, Gmail) to enable bill detection, you authorize the Service to access and process the minimum data needed to provide that functionality, such as searching for relevant messages, reading message metadata and content, and processing attachments.

Your responsibilities: you are responsible for ensuring you have the right to connect and grant access to any email account or mailbox you connect, including any shared or work accounts.

Disconnect: you may revoke access by disconnecting the email integration in settings and/or via the relevant provider’s security settings. Some data may remain stored as described in our privacy practices, to support account integrity, auditing, fraud prevention, or legal compliance.

The Service may allow you to upload documents (including invoices and PDFs) or enter content (collectively, "User Content").

You retain ownership of your User Content. You grant us a limited license to host, store, process, reproduce, and display your User Content solely to operate, improve, and secure the Service and to provide the features you request.

You represent that you have the rights to submit User Content and that it does not violate law or third‑party rights.

Some features may be offered for a fee. If pricing is presented to you, you agree to pay the listed fees and any applicable taxes. Payment terms, renewals, and refunds (if any) will be described at checkout or in-product.

We may change prices or introduce new fees with reasonable notice, to the extent permitted by law.

No financial, tax, or legal advice: the Service provides tools and information for convenience only. We do not provide financial, tax, accounting, or legal advice. You should verify information with bill issuers and consult qualified professionals as needed.

As-is: the Service is provided on an “as is” and “as available” basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non‑infringement.

To the fullest extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, goodwill, or business interruption.

To the fullest extent permitted by law, our total liability for any claim arising out of or relating to the Service will not exceed the greater of (a) the amounts you paid us for the Service in the 12 months before the event giving rise to the claim, or (b) NZD $100.

Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

We may suspend or terminate your access to the Service if we reasonably believe you have violated these Terms, pose a security risk, or if required by law.

You may stop using the Service at any time. Termination does not affect rights and obligations that by their nature should survive (for example, intellectual property, disclaimers, limitation of liability, and indemnities).