1. Acceptance of Terms
By accessing and using WatchYour.money, you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.
You must be at least 18 years old and have the legal capacity to enter into a binding contract to use WatchYour.money. By using the Service, you represent that you meet these requirements.
If you are using WatchYour.money on behalf of an organization, you represent and warrant that you have the authority to bind that organization to these Terms of Service and agree to be bound by them on behalf of that organization.
2. Service Description
WatchYour.money is a personal finance management platform designed to help users track spending, manage budgets, and gain insights into their financial behavior. The Service includes:
- Expense tracking and transaction management
- Budget creation and monitoring using envelope and traditional budgeting methods
- AI-powered transaction categorization and receipt scanning via optical character recognition (OCR)
- Financial goal tracking and savings management
- Bill reminders and recurring transaction management
- Multi-currency support and net worth tracking
- Collaborative finance management for families, teams, and organizations
- Data import/export from banks and financial files
- Role-based access control for organization members
- Integration with Plaid for secure bank account connectivity
IMPORTANT DISCLAIMER: WatchYour.money is a financial management tool, NOT a financial advisor, tax advisor, accountant, or licensed financial professional. The Service does not provide financial advice, investment advice, tax advice, or any form of professional financial guidance. Users should consult qualified professionals before making financial decisions based on Service data.
terms.sections.accounts.title
terms.sections.accounts.registration.title
terms.sections.accounts.registration.description
- terms.sections.accounts.registration.requirements.0
- terms.sections.accounts.registration.requirements.1
- terms.sections.accounts.registration.requirements.2
terms.sections.accounts.security.title
terms.sections.accounts.security.description
terms.sections.accounts.suspension.title
terms.sections.accounts.suspension.description
10. Acceptable Use Policy
Users agree not to use WatchYour.money for any of the following prohibited purposes:
terms.sections.acceptableUse.permitted.title
- terms.sections.acceptableUse.permitted.items.0
- terms.sections.acceptableUse.permitted.items.1
- terms.sections.acceptableUse.permitted.items.2
terms.sections.acceptableUse.prohibited.title
terms.sections.acceptableUse.prohibited.intro
- terms.sections.acceptableUse.prohibited.items.0
- terms.sections.acceptableUse.prohibited.items.1
- terms.sections.acceptableUse.prohibited.items.2
- terms.sections.acceptableUse.prohibited.items.3
- terms.sections.acceptableUse.prohibited.items.4
- terms.sections.acceptableUse.prohibited.items.5
- terms.sections.acceptableUse.prohibited.items.6
- terms.sections.acceptableUse.prohibited.items.7
- terms.sections.acceptableUse.prohibited.items.8
- terms.sections.acceptableUse.prohibited.items.9
- terms.sections.acceptableUse.prohibited.items.10
terms.sections.billing.title
terms.sections.billing.pricing.title
terms.sections.billing.pricing.description
terms.sections.billing.cycles.title
terms.sections.billing.cycles.description
- terms.sections.billing.cycles.items.0
- terms.sections.billing.cycles.items.1
- terms.sections.billing.cycles.items.2
terms.sections.billing.refunds.title
terms.sections.billing.refunds.description
terms.sections.billing.cancellation.title
terms.sections.billing.cancellation.description
9. Pay-As-You-Go (PAYG) Credits
terms.sections.paygCredits.creditSystem.title
terms.sections.paygCredits.creditSystem.description
terms.sections.paygCredits.availability.title
terms.sections.paygCredits.availability.description
terms.sections.paygCredits.pricing.title
terms.sections.paygCredits.pricing.description
terms.sections.paygCredits.purchases.title
terms.sections.paygCredits.purchases.description
terms.sections.paygCredits.refunds.title
terms.sections.paygCredits.refunds.description
terms.sections.paygCredits.expiration.title
terms.sections.paygCredits.expiration.description
terms.sections.paygCredits.autoTopUp.title
terms.sections.paygCredits.autoTopUp.description
terms.sections.paygCredits.spendingLimits.title
terms.sections.paygCredits.spendingLimits.description
terms.sections.paygCredits.serviceAvailability.title
terms.sections.paygCredits.serviceAvailability.description
terms.sections.paygCredits.termination.title
terms.sections.paygCredits.termination.description
terms.sections.serviceLevel.title
terms.sections.serviceLevel.intro
| terms.sections.serviceLevel.table.metric | terms.sections.serviceLevel.table.target |
|---|---|
| terms.sections.serviceLevel.metrics.uptime.metric | terms.sections.serviceLevel.metrics.uptime.target |
| terms.sections.serviceLevel.metrics.response.metric | terms.sections.serviceLevel.metrics.response.target |
terms.sections.serviceLevel.exclusions
terms.sections.intellectualProperty.title
terms.sections.intellectualProperty.ourIP.title
terms.sections.intellectualProperty.ourIP.description
terms.sections.intellectualProperty.license.title
terms.sections.intellectualProperty.license.description
terms.sections.intellectualProperty.restrictions.title
- terms.sections.intellectualProperty.restrictions.items.0
- terms.sections.intellectualProperty.restrictions.items.1
- terms.sections.intellectualProperty.restrictions.items.2
- terms.sections.intellectualProperty.restrictions.items.3
terms.sections.userContent.title
terms.sections.userContent.ownership.title
terms.sections.userContent.ownership.description
terms.sections.userContent.license.title
terms.sections.userContent.license.description
terms.sections.userContent.responsibility.title
terms.sections.userContent.responsibility.description
terms.sections.aiServices.title
terms.sections.aiServices.intro
terms.sections.aiServices.ownership.title
terms.sections.aiServices.ownership.description
terms.sections.aiServices.acceptableUse.title
terms.sections.aiServices.acceptableUse.description
- terms.sections.aiServices.acceptableUse.items.0
- terms.sections.aiServices.acceptableUse.items.1
- terms.sections.aiServices.acceptableUse.items.2
- terms.sections.aiServices.acceptableUse.items.3
- terms.sections.aiServices.acceptableUse.items.4
terms.sections.aiServices.disclaimer.description
terms.sections.affiliateProgram.title
terms.sections.affiliateProgram.intro
terms.sections.affiliateProgram.terms.title
terms.sections.affiliateProgram.terms.description
- terms.sections.affiliateProgram.terms.items.0
- terms.sections.affiliateProgram.terms.items.1
- terms.sections.affiliateProgram.terms.items.2
- terms.sections.affiliateProgram.terms.items.3
terms.sections.affiliateProgram.prohibited.title
terms.sections.affiliateProgram.prohibited.description
- terms.sections.affiliateProgram.prohibited.items.0
- terms.sections.affiliateProgram.prohibited.items.1
- terms.sections.affiliateProgram.prohibited.items.2
- terms.sections.affiliateProgram.prohibited.items.3
- terms.sections.affiliateProgram.prohibited.items.4
terms.sections.affiliateProgram.termination
terms.sections.domainServices.title
terms.sections.domainServices.intro
terms.sections.domainServices.registration.title
terms.sections.domainServices.registration.description
- terms.sections.domainServices.registration.items.0
- terms.sections.domainServices.registration.items.1
- terms.sections.domainServices.registration.items.2
- terms.sections.domainServices.registration.items.3
terms.sections.domainServices.dns.title
terms.sections.domainServices.dns.description
terms.sections.marketplace.title
terms.sections.marketplace.intro
terms.sections.marketplace.creators.title
terms.sections.marketplace.creators.description
- terms.sections.marketplace.creators.items.0
- terms.sections.marketplace.creators.items.1
- terms.sections.marketplace.creators.items.2
- terms.sections.marketplace.creators.items.3
terms.sections.marketplace.buyers.title
terms.sections.marketplace.buyers.description
terms.sections.webhooksApi.title
terms.sections.webhooksApi.intro
terms.sections.webhooksApi.usage.title
terms.sections.webhooksApi.usage.description
- terms.sections.webhooksApi.usage.items.0
- terms.sections.webhooksApi.usage.items.1
- terms.sections.webhooksApi.usage.items.2
- terms.sections.webhooksApi.usage.items.3
terms.sections.webhooksApi.reliability
terms.sections.mobileAppsTerms.title
terms.sections.mobileAppsTerms.intro
terms.sections.mobileAppsTerms.appStore.title
terms.sections.mobileAppsTerms.appStore.description
terms.sections.mobileAppsTerms.pushNotifications.title
terms.sections.mobileAppsTerms.pushNotifications.description
terms.sections.mobileAppsTerms.offline.title
terms.sections.mobileAppsTerms.offline.description
terms.sections.scheduledJobs.title
terms.sections.scheduledJobs.intro
terms.sections.scheduledJobs.limits.title
terms.sections.scheduledJobs.limits.description
terms.sections.scheduledJobs.responsibility
terms.sections.emailMarketing.title
terms.sections.emailMarketing.intro
terms.sections.emailMarketing.compliance.title
terms.sections.emailMarketing.compliance.description
- terms.sections.emailMarketing.compliance.items.0
- terms.sections.emailMarketing.compliance.items.1
- terms.sections.emailMarketing.compliance.items.2
- terms.sections.emailMarketing.compliance.items.3
terms.sections.emailMarketing.liability
terms.sections.thirdPartyServices.title
terms.sections.thirdPartyServices.intro
terms.sections.thirdPartyServices.disclaimer
12. Limitation of Liability and Disclaimers
terms.sections.limitationLiability.disclaimer
terms.sections.limitationLiability.cap
terms.sections.limitationLiability.exclusions
terms.sections.indemnification.title
terms.sections.indemnification.content
- terms.sections.indemnification.items.0
- terms.sections.indemnification.items.1
- terms.sections.indemnification.items.2
- terms.sections.indemnification.items.3
terms.sections.termination.title
terms.sections.termination.byUser.title
terms.sections.termination.byUser.description
terms.sections.termination.byUs.title
terms.sections.termination.byUs.description
- terms.sections.termination.byUs.reasons.0
- terms.sections.termination.byUs.reasons.1
- terms.sections.termination.byUs.reasons.2
- terms.sections.termination.byUs.reasons.3
terms.sections.termination.effect.title
terms.sections.termination.effect.description
terms.sections.disputeResolution.title
terms.sections.disputeResolution.informal.title
terms.sections.disputeResolution.informal.description
terms.sections.disputeResolution.governing.title
terms.sections.disputeResolution.governing.description
terms.sections.disputeResolution.international.title
terms.sections.disputeResolution.international.description
14. Modifications to Terms
WatchYour.money reserves the right to modify these Terms at any time with 30 days' advance notice via email.
Notice of changes will be provided by posting the updated Terms on this page and updating the 'Last Updated' date. For significant changes, we will also notify you via email.
Your continued use of the Service after the effective date of any changes constitutes acceptance of the modified Terms. If you do not agree to the changes, you must stop using the Service.
15. General Provisions
- Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and WatchYour.money.
- Severability: If any provision of these Terms is found unenforceable, the remaining provisions will continue in effect.
- Waiver: Our failure to enforce any right or provision does not constitute a waiver of such right or provision.
- Assignment: You may not assign your rights or obligations under these Terms without our prior written consent.
- Force Majeure: We shall not be liable for any failure or delay resulting from circumstances beyond our reasonable control.
Contact Information
If you have any questions about these Terms, please contact us:
WatchYour.money
Email: legal@watchyour.money