Terms of Service

1. The service

Tally is a personal finance web application that helps you evaluate purchases against your budget, log cash spending, split shared costs, plan packing and travel timing, and store receipts. We may add, change, or remove features at our discretion. We will give reasonable notice before removing features that are part of a paid plan.

2. Eligibility and accounts

You must be at least 18 years old (or the age of majority in your jurisdiction) to use Tally. You are responsible for keeping your sign-in email secure and for all activity under your account. Tell us at support@tallyfinance.online if you suspect unauthorized access.

3. Subscriptions and billing

We offer a free Starter plan and paid Pro and Pro+ plans. Paid plans are billed monthly through Stripe. By subscribing you authorize Tally and Stripe to charge your payment method on a recurring basis until you cancel.

• Renewal. Subscriptions auto-renew at the end of each billing period at the then-current price.
• Price changes.We will give at least 14 days' notice by email before any price increase. Continued use after the change takes effect constitutes acceptance.
• Cancellation. You may cancel any time from the billing portal in your account. Cancellation takes effect at the end of the current period; you keep access until then.
• Failed payments. If a charge fails, we may downgrade your account to Starter until payment is restored.
• Refunds. See our Refund Policy.

4. Acceptable use

You agree not to:

• Use Tally for any unlawful, harmful, or fraudulent purpose.
• Attempt to gain unauthorized access to other accounts, our systems, or our service providers.
• Reverse engineer, decompile, or scrape the service except to the extent required by law.
• Resell, sublicense, or expose the service as a product to third parties without our written permission.
• Upload content you do not have the rights to, including receipts containing other people's personal information without their consent.

5. Your content

You retain ownership of the financial data, receipts, and notes you upload ("Your Content"). You grant us a limited, non-exclusive license to host, transmit, and display Your Content solely to operate the service for you. We do not sell or share Your Content for advertising.

6. Intellectual property

The Tally name, logo, software, and website are owned by Tally Finance. Nothing in these terms transfers ownership of our intellectual property to you. Feedback you send us may be used without obligation.

7. Third-party services

Tally relies on third parties to operate, including Stripe (payments), Supabase (database and auth), and Vercel (hosting). Your use of those services through Tally is also subject to their terms and privacy policies. We are not responsible for outages or actions of third-party services beyond our reasonable control.

8. Disclaimer — not financial advice

Tally provides budgeting, tracking, and decision-support features for informational purposes only. We are not a bank, broker, tax preparer, or registered financial advisor. Nothing in the service constitutes financial, investment, tax, or legal advice. You are solely responsible for the financial decisions you make. Consult a qualified professional for advice specific to your situation.

9. "As is" and limitation of liability

The service is provided "as is" and "as available" without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement, to the maximum extent permitted by law.

To the maximum extent permitted by law, Tally Finance's total liability arising out of or relating to these terms or the service will not exceed the greater of (a) the amount you paid us in the twelve months before the claim arose, or (b) USD $50. Neither party will be liable for indirect, incidental, special, consequential, or punitive damages.

10. Indemnification

You agree to indemnify and hold Tally Financeharmless from any claims, losses, or expenses (including reasonable attorneys' fees) arising from your misuse of the service or your violation of these terms.

11. Termination

You may stop using the service and close your account at any time. We may suspend or terminate your account if you violate these terms or misuse the service. On termination, your access ends and we will delete your data on the schedule described in our Privacy Policy.

12. Changes to these terms

We may update these terms from time to time. Material changes will be announced by email or in-app notice at least 14 days before they take effect. Continued use of the service after the effective date means you accept the updated terms.

13. Governing law and disputes

These terms are governed by the laws of the State of Ohio, United States, without regard to its conflict-of-laws rules. Any dispute will be resolved in the state or federal courts located in Ohio, and you and we consent to personal jurisdiction there. If a provision of these terms is found unenforceable, the rest will remain in effect.

14. Contact

Questions about these terms? Email us at support@tallyfinance.online.