Terms of Service

Welcome to EnvelopeBudget.com ("we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of our website (https://envelopebudget.com), including the sign-up page (https://envelopebudget.com/signup/), our budgeting application, and any related services (collectively, the "Services"). By accessing or using the Services, you agree to be bound by these Terms. If you do not agree, please do not use the Services.

1. Acceptance of Terms

By creating an account, using our budgeting tools, or accessing our website, you confirm that you are at least 18 years old and have the legal capacity to enter into these Terms. If you are using the Services on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

2. Description of Services

EnvelopeBudget.com provides a budgeting platform with features including:

• A modern interface with light/dark mode toggle.
• Markdown report exports for financial tracking.
• An inbox-style transaction view with keyboard shortcuts.
• Flexible fund allocation tools (Allocator and Envelope Views).
• Support for any bank accounts or credit cards.
• Credit card management to align spending with envelope limits.

The Services include a 92-day free trial, standard subscription plans ($4/month or $40/year), and a Founders Special ($40 one-time fee for lifetime access, limited to the first 500 subscribers).

3. Account Creation and Access

3.1 Sign-Up

• To use the Services, you must create an account at https://envelopebudget.com/signup/ using a valid email address. No credit card or additional personal information is required for the free trial.
• You are responsible for providing accurate information and maintaining the confidentiality of your account credentials.
• You may not share your account with others or allow unauthorized access.

3.2 Free Trial

• The 92-day free trial begins upon account activation and requires only an email address.
• After the trial, you may continue using the Services by subscribing to a paid plan or claiming the Founders Special (if available).

3.3 Founders Special

• The Founders Special is a one-time $40 fee for lifetime access, available to the first 500 subscribers.
• To claim, create an account, click your profile icon, and select "Founders Special." Availability is subject to the 500-subscriber limit.

3.4 Account Termination

• You may terminate your account at any time by contacting support@envelopebudget.com.
• We reserve the right to suspend or terminate your account for violations of these Terms, including fraudulent activity, misuse of the Services, or non-payment.

4. Subscriptions and Payments

4.1 Subscription Plans

• Post-Trial Pricing: After the 92-day free trial, you may subscribe for $4/month or $40/year (equivalent to ~$3.33/month).
• Founders Special: A one-time $40 payment grants lifetime access, subject to availability.
• Payments are processed through a third-party payment processor. You agree to provide accurate billing information and authorize recurring payments for monthly or annual plans.

4.2 Refunds

• Monthly subscriptions may be canceled at any time, with no further charges after the current billing cycle.
• Annual subscriptions and Founders Special payments are non-refundable, except as required by law.
• The 92-day free trial requires no payment and incurs no charges.

4.3 Price Changes

• We may adjust subscription prices with 30 days' notice via email or website announcement.
• Price changes will not affect active annual subscriptions or Founders Special accounts until renewal (if applicable).

5. User Responsibilities

• Accurate Data: You are responsible for the accuracy of financial data (e.g., bank or credit card transactions) you provide or connect to the Services.
• Lawful Use: You agree to use the Services in compliance with all applicable laws and not for any unlawful or prohibited purpose.
• Prohibited Actions: You may not:
  • Reverse-engineer, decompile, or attempt to access the source code of the Services.
  • Use the Services to transmit malicious code, spam, or illegal content.
  • Interfere with the operation or security of the Services.
• Financial Decisions: The Services provide budgeting tools but do not constitute financial advice. You are responsible for your financial decisions.

6. Intellectual Property

• Ownership: All content, features, and design elements of the Services (e.g., logos, templates, markdown reports) are owned by EnvelopeBudget.com or our licensors and protected by copyright, trademark, and other laws.
• License: We grant you a limited, non-exclusive, non-transferable license to use the Services for personal or internal business purposes, subject to these Terms.
• User Content: You retain ownership of data you provide (e.g., transaction data, envelope allocations). By using the Services, you grant us a non-exclusive license to process and store this data to provide the Services.

7. Privacy

Your use of the Services is subject to our Privacy Policy, which outlines how we collect, use, and protect your personal information. By using the Services, you consent to the practices described in the Privacy Policy.

8. Third-Party Services

• The Services may integrate with third-party financial institutions (e.g., bank APIs) or payment processors. These third parties have their own terms and privacy policies, and we are not responsible for their practices.
• The legacy version 2 platform (https://v2.envelopebudget.com) is subject to separate terms, accessible at that URL.

9. Limitation of Liability

• As-Is Basis: The Services are provided "as is" without warranties of any kind, express or implied, including accuracy, reliability, or fitness for a particular purpose.
• No Liability for Financial Losses: We are not liable for financial losses resulting from your use of the Services, including errors in budgeting, data inaccuracies, or third-party actions.
• Maximum Liability: To the extent permitted by law, our total liability for any claim arising from these Terms or the Services is limited to the amount you paid us in the 12 months preceding the claim.
• Exclusions: We are not liable for indirect, incidental, or consequential damages, including loss of profits or data, even if advised of the possibility.

10. Indemnification

You agree to indemnify and hold harmless EnvelopeBudget.com, its affiliates, and employees from any claims, damages, or expenses (including legal fees) arising from your misuse of the Services, violation of these Terms, or infringement of third-party rights.

11. Termination

• By You: You may stop using the Services and delete your account at any time.
• By Us: We may terminate or suspend your access to the Services for violations of these Terms, non-payment, or suspected fraudulent activity, with or without notice.
• Effect of Termination: Upon termination, your access to the Services will cease, and we may delete your data in accordance with our Privacy Policy, unless required by law to retain it.

12. Changes to These Terms

We may update these Terms to reflect changes in our Services or legal requirements. We will notify you of significant changes via email or a website notice at least 30 days before they take effect. Continued use of the Services after changes constitutes acceptance of the updated Terms.

13. Governing Law and Dispute Resolution

• Governing Law: These Terms are governed by the laws of Utah, United States, excluding conflict of law principles.
• Disputes: Any disputes arising from these Terms or the Services will be resolved through binding arbitration in Fountain Green, Utah, conducted under the rules of the American Arbitration Association. You waive the right to participate in class actions.

14. Miscellaneous

• Entire Agreement: These Terms, along with the Privacy Policy, constitute the entire agreement between you and EnvelopeBudget.com regarding the Services.
• Severability: If any provision of these Terms is found unenforceable, the remaining provisions will remain in effect.
• No Waiver: Our failure to enforce any right or provision does not constitute a waiver of that right or provision.
• Assignment: You may not assign your rights under these Terms without our consent. We may assign these Terms in connection with a business transfer.

15. Contact Us

For questions about these Terms, contact us at:

Please include "Terms of Service Inquiry" in the subject line. We aim to respond within 7 business days.

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