The fine print, kept short.

These Terms of Service (“Terms”) govern your use of the BillFluxView apps and the billfluxview.com and billfluxview.app websites (together, the “Service”), operated by BillFluxView (“we,” “us”). By using the Service you agree to these Terms. If you don’t agree, don’t use the Service.

1. What BillFluxView is

BillFluxView is a bill manager. It helps you track bills, get reminders, and — if you choose — sync across devices, detect bills from a connected bank, and request bill negotiation. It is an organizational tool, not a bank, payment processor, or financial adviser, and nothing in the app is financial advice. You remain responsible for actually paying your bills on time.

2. Tiers and purchases

• Free — up to 8 active bills with reminders and dashboard, entirely on-device, no account required.
• One-Time unlock — a single purchase that permanently unlocks all premium on-device features on the platform where you bought it. It is a license for the current app, not a promise of every future feature.
• Cloud subscription — an optional monthly or annual add-on that requires the One-Time unlock and adds cloud features (sync, bank-based bill detection, household sharing, cloud backup). Plans are priced by the number of connected banks and renew automatically until canceled.

Purchases made on iOS are billed and refunded by Apple under their terms; purchases made on the web are billed by Stripe under ours. Where a first month free or launch price is offered, the offer’s terms are shown at purchase. You can cancel a subscription any time; it stays active until the end of the paid period, after which cloud features stop and your on-device data remains yours.

3. Your data and your keys

Your bill data belongs to you. Cloud data is end-to-end encrypted with keys only you hold, as described in our Privacy Policy. This has a consequence you must understand: if you lose both your passphrase and your Recovery Kit, your synced data cannot be recovered — by design, we have no way to reset it. Keep your Recovery Kit safe, and keep a local backup.

4. Bank connections

Bank connections are provided through Plaid. By connecting a bank you authorize Plaid to access your account data under Plaid’s terms, and authorize us to receive recurring-transaction data to detect bills. We are not responsible for the accuracy or availability of data supplied by Plaid or your bank, and detected bills are suggestions — verify them.

5. Bill negotiation

If offered in your region, bill negotiation is an optional, per-bill service: you share a specific bill and authorize us to contact the provider on your behalf to seek a lower rate. If we succeed, we charge a success fee — a percentage of your first-year savings — disclosed before you confirm. No savings, no fee. We can’t guarantee any negotiation will succeed, and any changes a provider makes to your account terms are between you and the provider.

6. Acceptable use

Don’t misuse the Service: no unlawful use, no attempts to break, probe, or overload our systems or other users’ data, no reselling the Service, and no using it to infringe others’ rights. We may suspend accounts that do.

7. Intellectual property

We own the Service — the apps, sites, design, and branding. We grant you a personal, non-transferable license to use the apps for managing your own (or your household’s) bills. Your data remains yours; you grant us only the limited rights needed to store and process it as the features you enable require.

8. Disclaimers

The Service is provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that reminders will always fire, that bank data will always be current, or that the Service will be uninterrupted or error-free. Late fees, missed payments, and similar costs remain your responsibility.

9. Limitation of liability

To the fullest extent permitted by law, we will not be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits or data. Our total liability for any claim relating to the Service is limited to the greater of $50 or the amount you paid us in the 12 months before the claim. Some jurisdictions don’t allow certain limitations, so parts of this section may not apply to you.

10. Termination

You can stop using the Service at any time; deleting the app removes your on-device data, and you can delete any cloud data from the app. We may suspend or terminate access for breach of these Terms. Sections that by their nature should survive (3, 7–9, 11–12) survive termination.

11. Changes to the Service or Terms

We may update the Service and these Terms. For material changes we’ll give notice in the app or by email before they take effect; continuing to use the Service after that means you accept the updated Terms. We will not retroactively take away the on-device features you bought with the One-Time unlock.

12. Governing law & disputes

These Terms are governed by the laws of the United States and the state in which we are organized, without regard to conflict-of-law rules. Before filing any claim, contact us — most issues can be sorted out informally at [email protected].

13. Contact

Questions about these Terms: [email protected].