Terms of Service

1. Acceptance of Terms

By accessing or using PayFlow Planner ("the Service"), operated by Kenneth Solomon, you agree to be bound by these Terms of Service. If you do not agree, do not use the Service.

2. Description of Service

PayFlow Planner is a personal finance management application that helps you track income, expenses, budgets, debts, and savings goals. The Service is available as a web application and a mobile application. All financial data is entered manually by you — we do not connect to bank accounts or import transactions automatically.

3. Accounts

• You must provide a valid email address to create an account
• You are responsible for maintaining the security of your account credentials
• You must be at least 18 years old to use the Service
• One account per person — do not create multiple accounts
• You are responsible for all activity under your account

4. Subscription Plans

Free Plan

The Free plan provides limited access to core features (3 wallets, 100 entries/month). No credit card is required.

Annual Plan

The Annual plan is billed yearly at the listed price. Your subscription renews automatically at the end of each billing period unless you cancel. You may cancel at any time through the Stripe customer portal — access remains active until the end of the current billing period.

Founding Member Plan

The Founding Member plan is a one-time lifetime purchase. Once purchased, your access never expires and you will not be charged again. Founding Member spots are limited and non-transferable. Founding Member pricing and availability may change at any time.

Refunds

Annual plan: You may request a refund within 14 days of purchase if you have not extensively used the Service. Founding Member plan: Refunds are handled on a case-by-case basis within 14 days of purchase. Contact support@payflowplanner.com for refund requests.

5. Acceptable Use

You agree not to:

• Use the Service for any illegal or unauthorized purpose
• Attempt to gain unauthorized access to other users' accounts or data
• Interfere with or disrupt the Service infrastructure
• Use automated scripts, bots, or scrapers against the Service
• Reverse engineer, decompile, or attempt to extract source code
• Resell, sublicense, or redistribute access to the Service

6. Your Data

You retain ownership of all financial data you enter into the Service. We do not claim any intellectual property rights over your content. You can export your data at any time using the built-in PDF, Excel, and CSV export features. You can permanently delete your account and all associated data through Settings → Account → Delete Account.

For details on how we collect and protect your data, see our Privacy Policy.

7. Disclaimers

• The Service is provided "as is" without warranties of any kind, express or implied
• PayFlow Planner is a budgeting and tracking tool — it does not provide financial advice, tax advice, or investment recommendations
• We do not guarantee the accuracy of calculations, projections, or analytics
• We are not responsible for financial decisions made based on information in the Service

8. Limitation of Liability

To the maximum extent permitted by law, PayFlow Planner and its operator shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenue, whether incurred directly or indirectly, or any loss of data, use, or goodwill arising out of your use of the Service.

Our total liability for any claim arising from or related to the Service shall not exceed the amount you paid us in the 12 months preceding the claim.

9. Service Availability

We strive to maintain high availability but do not guarantee uninterrupted access. The Service may be temporarily unavailable due to maintenance, updates, or circumstances beyond our control. We will make reasonable efforts to notify users of planned downtime.

10. Account Termination

You may delete your account at any time. We reserve the right to suspend or terminate accounts that violate these Terms. Upon termination, your data will be permanently deleted within 30 days.

11. Changes to These Terms

We may update these Terms from time to time. Material changes will be communicated via email or in-app notification. Continued use of the Service after changes constitutes acceptance of the updated Terms.

12. Governing Law

These Terms are governed by the laws of the Republic of the Philippines. Any disputes arising from these Terms or the Service shall be resolved in the courts of the Philippines.

13. Contact

For questions about these Terms, contact us at: support@payflowplanner.com