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Terms of Service

Terms of Service

Effective date: May 12, 2026

These terms are practical baseline terms for an independent developer. They should be reviewed before launch and adjusted for the final App Store build, subscription model, jurisdiction, and production service providers.

1. Agreement

By using CentsNote, you agree to these Terms of Service. If you do not agree, do not use the app or website.

2. What CentsNote does

CentsNote helps individuals record personal expenses, income, transfers, recurring bills, budgets, and reports. It is a recordkeeping tool, not a bank, broker, accountant, tax advisor, or financial advisor.

3. No financial, tax, or legal advice

Information shown in CentsNote is based on records you enter and app-generated summaries. It is provided for personal organization only and should not be treated as financial, tax, investment, accounting, or legal advice.

4. Your responsibility for records

You are responsible for the accuracy of records, categories, budgets, and account balances you create or confirm. AI-assisted parsing and voice input may be wrong, so you should review drafts before saving them.

5. Local data, backup, and device risk

CentsNote is designed to support local-first use. You are responsible for keeping your device secure and deciding whether to use backup or sync features. If you delete the app, reset your device, lose access to your device, or disable backup, local data may be lost.

6. Acceptable use

  • Do not use CentsNote to break the law, abuse services, or interfere with the app or website.
  • Do not attempt to reverse engineer, scrape, overload, or bypass security controls except where allowed by law.
  • Do not submit harmful, infringing, or unlawful material through support or future online services.

7. Subscriptions and purchases

If CentsNote offers paid features, purchase terms will be shown before payment. App Store purchases, refunds, cancellations, and renewals are generally handled by Apple under Apple's terms. Deleting CentsNote data does not automatically cancel an App Store subscription.

8. Availability and changes

CentsNote may change, pause, or remove features over time. We try to keep the app reliable, but we do not guarantee uninterrupted availability, error-free operation, or compatibility with every device, OS version, region, or third-party service.

9. Intellectual property

The CentsNote app, website, brand, visual assets, and software are owned by the developer or licensed to the developer. You keep ownership of the records you create, subject to the technical limits of local storage and any services you choose to use.

10. Disclaimer

CentsNote is provided "as is" and "as available" to the maximum extent allowed by law. We disclaim implied warranties such as merchantability, fitness for a particular purpose, and non-infringement.

11. Limitation of liability

To the maximum extent allowed by law, CentsNote and its developer will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost data, lost profits, or financial decisions made using the app.

12. Contact

Questions about these terms can be sent to [email protected].