Terms of service

These terms are an agreement between you and TracknFund (“TracknFund”, “we”, “us”) for using the TracknFund apps for iPhone and Android, the web app and this website. By creating an account or using TracknFund, you agree to them. Please also read our privacy policy, which explains how we handle your information.

1. What TracknFund is, and isn’t

TracknFund helps you and your partner record and understand your household’s money: expenses, income, transfers, balances, budgets and recurring bills that you enter yourselves.

• Not financial advice. Totals, charts and insights are information based on the numbers you entered. They are not financial, investment, tax, legal or credit advice, and they don’t take your full circumstances into account. Decisions about your money are yours; consider a qualified professional for advice.
• Not a bank. TracknFund doesn’t hold, move or invest money, doesn’t connect to your bank, and isn’t a substitute for your bank or card statements.
• Estimates are estimates. Amounts in other currencies are converted using the European Central Bank’s published rates and are shown as approximate (“≈”). Projections such as “on pace for” are estimates from spending so far. Totals are only as accurate as what’s entered.

2. Your account

• You must be at least 18 (or the age of majority where you live) to use TracknFund.
• Give accurate sign-up details, keep your password and devices secure, and tell us if you think someone else has used your account.
• Each login is for one person. You’re responsible for activity in your account.

3. Households and your partner

• A household has up to two people. Invite only someone who wants to share a household with you; they join by accepting your invite.
• Joint accounts and what you add to them are shared in full with your partner, who can also add to and change them. For your personal accounts and your income, you choose what your partner sees, and you can change it at any time. You’re responsible for what you choose to share.
• Some changes need both of you, such as changing the household’s currency.
• If you leave or delete your account, joint accounts and their history stay with your partner. Your personal accounts are deleted with your account.
• We don’t take part in disagreements between partners about what’s recorded or shared, and we can’t reveal information to one partner that the other hasn’t shared.

4. Subscriptions and the free trial

• TracknFund is offered as a subscription for the household: currently $4 per month after a 3-month free trial, or $24 per year. Prices may differ by country and include or exclude taxes as your app store shows.
• If you subscribe in the iPhone or Android app, payment is handled by Apple or Google and their terms apply. The subscription renews automatically at the end of each period unless you cancel at least 24 hours before it ends. You can manage or cancel it in your App Store or Google Play account settings. A free trial converts to a paid subscription unless you cancel before it ends.
• Refunds for app store purchases are handled by Apple or Google under their policies. Deleting your TracknFund account doesn’t cancel an app store subscription; cancel it in your store settings.
• If we change prices, we’ll tell you in advance, and changes apply from your next billing period. Your app store may also ask you to agree to a price increase.

5. Your information and content

• What you enter is yours. You give us permission to store, process and display it only as needed to run TracknFund for you and your household (for example, to show it to your partner as you’ve chosen), and as described in the privacy policy.
• Only enter information you have the right to use. Please don’t enter card numbers, bank passwords or other credentials.
• You can export your data or delete your account at any time in Settings › Your account.
• If you send us feedback or ideas, we may use them without any obligation to you.

6. Acceptable use

Please don’t:

• use TracknFund for anything illegal or to harass, monitor or control another person;
• try to access accounts or data that aren’t yours, or get around our privacy and security controls;
• interfere with or overload the service, or use automated tools to access it without our permission;
• copy, modify, reverse engineer or resell the apps, except as the law allows.

7. Our apps and service

• We give you a personal, non-exclusive, non-transferable license to use the TracknFund apps for your own household. TracknFund, its name, design and software belong to TracknFund and its licensors.
• We work to keep TracknFund available and your data safe, but the service may sometimes be interrupted, and we may change, add or remove features. If we stop offering TracknFund, we’ll give reasonable notice so you can export your data.

8. Ending the agreement

You can stop using TracknFund and delete your account at any time. We may suspend or close an account that seriously or repeatedly breaks these terms, or where we’re required to by law. Where possible we’ll tell you first and give you a chance to export your data. Sections that by their nature should continue (such as 9, 10 and 12) continue after the agreement ends.

9. Disclaimers

TracknFund is provided “as is” and “as available”. To the extent the law allows, we don’t promise that it will be uninterrupted or error-free, or that totals, conversions, projections or insights will be accurate or suitable for any purpose. Nothing in these terms limits rights you have as a consumer that can’t be limited by law.

10. Limit of liability

To the extent the law allows, TracknFund isn’t liable for indirect, incidental, special or consequential losses, or for financial decisions you make using TracknFund, and our total liability for any claim relating to TracknFund is limited to the greater of the amount you paid for TracknFund in the 12 months before the claim, or US$50. These limits don’t apply where the law doesn’t allow them, such as for death or personal injury caused by negligence, or fraud.

11. Apps from Apple’s App Store

If you got TracknFund from Apple’s App Store, these points also apply:

• These terms are between you and TracknFund only, not with Apple. TracknFund, not Apple, is responsible for the app and its content.
• Your license is to use the app on Apple-branded devices you own or control, as allowed by the App Store’s usage rules.
• Apple has no obligation to provide maintenance or support for the app; contact us instead.
• If the app fails to meet an applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any). To the extent the law allows, Apple has no other warranty obligation for the app.
• TracknFund, not Apple, is responsible for handling claims about the app, including product liability claims, claims that it fails to meet legal or regulatory requirements, consumer protection or privacy claims, and claims that it infringes someone’s intellectual property.
• You confirm you’re not located in a country subject to a U.S. Government embargo or designated as “terrorist supporting”, and you’re not on any U.S. Government list of prohibited or restricted parties.
• You must also follow any applicable third-party terms (for example, your mobile carrier’s) when using the app.
• Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them against you.

Google Play’s terms apply in the same way to apps downloaded from Google Play.

12. Governing law and disputes

These terms are governed by the laws of Texas, United States, and disputes will be handled by its courts, except where the law of the country you live in gives you the right to bring a claim in your local courts or to rely on its consumer protections. Before taking formal action, please contact us so we can try to resolve the issue.

13. Changes to these terms

We may update these terms. If a change is important, we’ll tell you in the app or by email at least 30 days before it takes effect (unless it’s required sooner by law or for security). If you keep using TracknFund after that, the new terms apply; if you don’t agree, you can delete your account.

14. Contact

Email: tracknfund@gmail.com