Terms of Service

These Terms of Service explain what you may expect from Privacy LLC, what we expect from you, and what happens when software behaves like software.

The short version

The full terms follow because apparently eight bullets cannot govern software.

Agreement to these terms

These Terms apply when you access or use:

• The Privacy LLC website
• Applications developed by Privacy LLC
• Self-hosted software provided by Privacy LLC
• Related services, features, content, and support

Together, these are called the "Services."

By using the Services, you agree to these Terms and our Privacy Policy.

Do not use the Services if you do not agree.

Some products may include additional terms. Those additional terms apply to that product and control where they conflict with these Terms.

Who may use the Services

You must be legally able to enter into an agreement where you live.

Unless a product clearly states otherwise, you must be at least 13 years old to use the Services. If local law requires a higher minimum age, that higher age applies.

If you use the Services for a company, household, organization, or another person, you confirm that you have permission to accept these Terms on their behalf.

Accounts

Some Services may require an account.

You are responsible for:

• Providing accurate account information
• Protecting your login credentials
• Keeping recovery information current
• Activities performed through your account
• Telling us promptly about suspected unauthorized access

Do not share credentials in ways that undermine account security.

We may require verification before restoring access, changing account details, or responding to certain requests. This is mildly inconvenient and considerably better than handing your account to a stranger.

Paired and shared accounts

Some products may allow two or more people to connect accounts or share information.

By joining a paired or shared space, you understand that:

• Other participants may see information you intentionally share
• Removing or disconnecting an account may affect access to shared information
• Another participant may retain information they previously viewed, copied, exported, or saved
• Privacy LLC cannot control what another participant does outside the Services

Only invite people you trust. Software can enforce access rules. It cannot manufacture good judgment.

You must not connect another person, submit information about them, or access their content without permission.

License to use the Services

Privacy LLC gives you a limited, personal, revocable, non-exclusive, non-transferable license to use the Services for their intended purpose.

You may not:

• Copy or redistribute proprietary parts of the Services without permission
• Sell, rent, sublicense, or commercially exploit the Services unless authorized
• Reverse engineer the Services except where applicable law expressly permits it
• Remove copyright, trademark, or ownership notices
• Use our branding in a way that suggests endorsement or affiliation
• Access the Services through unauthorized automated methods
• Build a competing product using protected portions of the Services

Separate open-source components remain governed by their applicable licenses.

Self-hosted software

Some Privacy LLC products are designed to run on infrastructure you control.

When you operate self-hosted software, you are responsible for:

• Installation and configuration
• Server and network security
• User access and permissions
• Updates and dependency maintenance
• Backups and restoration testing
• Storage capacity and operating costs
• Compliance with laws that apply to your deployment
• The security of connected services and integrations

Privacy LLC is not responsible for data loss, exposure, downtime, or damage caused by your infrastructure, configuration, credentials, modifications, third-party services, or failure to maintain backups.

Export buttons are useful. Untested backups are decorative.

Support, updates, hosting, and managed services are provided only when specifically offered.

Your content

"User Content" means information, messages, files, responses, financial records, images, feedback, or other material you submit to or create through the Services.

You retain ownership of your User Content.

You give Privacy LLC a limited license to process User Content only as reasonably needed to:

• Provide the Services
• Store, transmit, synchronize, or display content you request
• Protect the Services and users
• Diagnose technical problems
• Comply with applicable law

This license ends when the content is deleted from our active systems, except where retention is reasonably required for backups, security, disputes, or legal obligations.

Where content is encrypted in a way that prevents us from reading it, we do not receive magical access simply because lawyers enjoy broad nouns.

You are responsible for ensuring that your User Content:

• Is lawful
• Does not violate another person's rights
• Does not contain malware or harmful code
• Is submitted with any required permission or consent

Acceptable use

You may not use the Services to:

• Break the law
• Harass, threaten, exploit, or impersonate another person
• Access an account, device, or system without authorization
• Upload malware or interfere with service operation
• Probe or bypass security controls without written permission
• Scrape or collect information through unauthorized automation
• Send spam or deceptive communications
• Violate intellectual property, privacy, or publicity rights
• Abuse payment, subscription, advertising, or referral systems
• Use the Services to develop or operate harmful surveillance
• Help another person perform prohibited activity

We may investigate suspected misuse and restrict access where reasonably necessary to protect users, the Services, or the public.

Purchases and subscriptions

Some Services may offer:

• Paid applications
• One-time purchases
• Subscriptions
• Premium features
• Advertising removal
• Other digital products

Prices, billing periods, included features, and renewal terms will be shown before purchase.

Where a subscription automatically renews, you authorize the applicable seller or platform to charge the payment method on file at each renewal until canceled.

You must cancel through the platform or account setting used to purchase the subscription. Deleting an application or account does not necessarily cancel billing. Billing systems remain stubbornly literal.

Unless required by law or stated otherwise at purchase:

• Charges are non-refundable
• Partial subscription periods are not refunded
• Prices may change for future billing periods
• Taxes may be added where required

We will provide notice of material subscription price changes when required.

Purchases made through an application store or payment platform are also subject to that provider's terms. Refunds may need to be requested directly from the seller of record.

Advertising

Some Services may display limited advertising.

Advertising availability, placement, and rewards may change. We do not guarantee that a particular advertisement, reward, or advertising feature will always be available.

You must not manipulate advertisements, rewards, impressions, clicks, or purchase systems.

Our Privacy Policy explains how advertising-related information is handled.

Product-specific limits

Financial tools

Financial planning features are provided for organization and informational purposes.

They do not provide:

• Financial advice
• Investment advice
• Tax advice
• Accounting advice
• Credit counseling
• Banking services

Calculations, projections, imported transactions, balances, interest estimates, and payoff dates may be incomplete or inaccurate.

You are responsible for reviewing important information against statements, contracts, and qualified professional advice before making financial decisions.

The software can organize numbers. It cannot make the numbers behave.

Relationship tools

Relationship features are designed to support conversation and shared activities.

They are not:

• Therapy
• Counseling
• Medical care
• Crisis intervention
• A substitute for professional support

Do not rely on the Services in an emergency or when someone may be at risk of harm. Contact local emergency services or a qualified professional.

Privacy features cannot control screenshots, copied text, exported content, or information shared outside the Services.

Games

Game outcomes, scores, rewards, progress, advertisements, and virtual items may change because of updates, technical problems, balancing decisions, or service limitations.

Virtual items have no cash value unless applicable law requires otherwise. They cannot be transferred, sold, or exchanged outside authorized features.

Fruit will fall. Scores may not survive every update.

Third-party services

The Services may depend on or connect with third-party services such as:

• Application stores
• Payment processors
• Cloud infrastructure
• Authentication providers
• Bank data integrations
• Advertising providers
• Notification services
• External websites

Third-party services are governed by their own terms and privacy practices.

Privacy LLC does not control and is not responsible for third-party availability, security, content, decisions, fees, or data handling.

A connection to a third-party service does not mean we endorse everything that company has ever done. That would be an alarming standard.

Bank and financial integrations

Where a Service connects to a bank data provider, the connection may allow read-only access to transaction or account information.

Privacy LLC does not guarantee:

• Continuous access to financial data
• Complete or current transaction records
• Accurate categorization
• Compatibility with every institution
• Correction of errors created by an external provider

You remain responsible for reviewing financial records and protecting credentials, access tokens, and integration settings.

Privacy LLC does not request or store direct bank credentials unless a product clearly explains otherwise.

Work-in-progress and beta services

Some Services may be labeled beta, preview, experimental, early access, or work in progress.

These Services may:

• Contain defects
• Change without notice
• Lose or alter data
• Be unavailable
• Have incomplete security or accessibility features
• Be discontinued before a general release

Do not rely on work-in-progress Services for critical, emergency, regulated, or irreplaceable activity.

We appreciate useful feedback. We appreciate backups more.

Feedback

You may send suggestions, ideas, bug reports, or other feedback.

You allow Privacy LLC to use feedback without restriction or payment, provided we do not publicly identify you without permission.

Do not submit information you consider confidential as general feedback.

Privacy

Our Privacy Policy explains what information we collect, why we process it, how it may be shared, and what choices you have.

By using the Services, you acknowledge that information will be handled as described in that policy.

Privacy is part of the product, not an excuse to skip the paperwork.

Intellectual property

The Services, excluding User Content and separately licensed components, belong to Privacy LLC and its licensors.

This includes software, designs, text, graphics, logos, sounds, animations, product names, and other original material.

These Terms do not transfer ownership of Privacy LLC intellectual property to you.

Changes to the Services

We may add, change, suspend, or discontinue features.

We may also issue updates needed for:

• Security
• Legal compliance
• Compatibility
• Reliability
• Product improvement

We will provide reasonable notice when a material change significantly reduces a paid Service, where practical or legally required.

We do not guarantee that every feature, integration, platform, or device will remain supported forever. Eternal backward compatibility is not a natural resource.

Suspension and termination

You may stop using the Services at any time.

We may suspend or terminate access when reasonably necessary because:

• You violate these Terms
• Payment is overdue
• Your use creates security or legal risk
• You misuse the Services
• We are required to do so by law
• A Service is discontinued

Where reasonable, we will provide notice and an opportunity to correct the issue.

Sections that logically should continue after termination will remain effective, including ownership, payment obligations, disclaimers, liability limits, indemnification, and dispute provisions.

Disclaimers

To the maximum extent permitted by law, the Services are provided "as is" and "as available."

Privacy LLC does not guarantee that the Services will:

• Always be available
• Be completely secure
• Be free from errors
• Meet every requirement
• Preserve every item of data
• Work with every device or third-party service
• Produce accurate results in every situation

We disclaim warranties of merchantability, fitness for a particular purpose, non-infringement, and any warranties arising from course of dealing or usage of trade.

Some places do not allow certain warranty exclusions. In those places, these exclusions apply only to the extent permitted by law.

Nothing in these Terms limits consumer rights that cannot legally be waived.

Limitation of liability

To the maximum extent permitted by law, Privacy LLC and its owners, employees, contractors, affiliates, and service providers will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages.

This includes loss of:

• Data
• Revenue
• Profits
• Business opportunities
• Goodwill
• Use of the Services

Our total liability for claims relating to the Services will not exceed the greater of:

• The amount you paid Privacy LLC for the relevant Service during the 12 months before the event giving rise to the claim
• 100 US dollars

These limits apply regardless of the legal theory and even if we were advised that damage was possible.

These limits do not apply where liability cannot legally be excluded or limited.

Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold Privacy LLC harmless from claims, losses, liabilities, and reasonable expenses arising from:

• Your unlawful use of the Services
• Your violation of these Terms
• Your User Content
• Your violation of another person's rights
• Your operation or modification of self-hosted software

This section does not require you to indemnify Privacy LLC for our own fraud, willful misconduct, or liability that cannot legally be shifted to you.

Resolving disputes

Before filing a formal claim, you and Privacy LLC agree to try to resolve the dispute informally.

Send a description of the issue through our Contact page. We will attempt to resolve it within 30 days.

This requirement does not prevent either party from seeking urgent injunctive relief or using an eligible small claims process.

Governing law

These Terms are governed by the laws of the State of Mississippi, without regard to conflict-of-law principles.

Any court proceeding must be brought in the state courts located in Lee County, Mississippi, or in the federal courts with jurisdiction over Lee County, Mississippi, unless applicable consumer law requires another location.

You and Privacy LLC consent to the jurisdiction of those courts.

Changes to these terms

We may update these Terms when the Services, business, or applicable laws change.

We will update the date at the top when changes are made.

When required, we will provide additional notice before material changes take effect.

Continued use of the Services after updated Terms take effect means you accept the revised Terms.

General terms

These Terms and any applicable product-specific terms form the entire agreement between you and Privacy LLC regarding the Services.

If one provision is unenforceable, the remaining provisions remain effective.

A failure to enforce a provision is not a waiver of the right to enforce it later.

You may not assign these Terms without written permission. Privacy LLC may assign them as part of a merger, acquisition, restructuring, asset sale, or similar transaction.

Headings are included for readability. They do not secretly outrank the text beneath them.

Contact

Questions about these Terms may be submitted through the Privacy LLC Contact page.