Terms of use

The service

Simple Balance is a double-entry bookkeeping application for your own money. It is a record-keeping tool. It is not financial, tax, accounting or legal advice, it does not file anything on your behalf, and it does not move money.

Your account

You are responsible for keeping your password and your sign-in method secure, and for what is done through your account. Tell us promptly if you think somebody else has access to it.

You must be at least 16 to hold an account.

Plans and payment

The free plan keeps up to three financial accounts and shows advertising. The Premium plan is $20 per year or $2 per month, removes the account limit and removes the advertising. Prices are in US dollars and exclude any tax that may apply where you are.

Subscriptions renew automatically at the end of each period until cancelled. We will give at least 30 days' notice by email before any price increase, and you may cancel before it takes effect.

Cancelling, and refunds

You can cancel at any time from the plan page. Cancellation takes effect at the end of the period you have already paid for; you keep Premium until then.

Nothing is deleted when a subscription ends. You return to the free plan and keep every account you have. The limit refuses a new one until you are back under it.

If you are in the UK or the EEA you have a statutory right to cancel within 14 days of first subscribing and receive a refund. Beyond that, payments are generally non-refundable, but if something has gone wrong, write to us — we would rather sort it out than stand on this paragraph.

Acceptable use

Do not use the service to break the law, to store somebody else's data without their knowledge, to attack or overload the service, or to try to reach another person's account. Automated access through the provided API and MCP interfaces is expected and welcome, within the documented rate limits.

Email we will send you

Holding an account means we can email you about the service: maintenance, a change that affects your data, a retirement, a security matter. There is no unsubscribe from those, because they are how we tell you something you need to know.

Anything else — occasional news about the product — carries an unsubscribe link that works immediately, and unsubscribing does not affect your account or the messages above. The privacy policy sets out the lawful basis for each.

Your data

Your ledger is yours. We claim no ownership of it, and you can export all of it as CSV at any time.

How it is handled is set out in the privacy policy, which forms part of these terms.

Availability, and what we promise

We aim to keep the service available and to keep backups, but this is a small service and it is offered without a guaranteed level of availability. Planned maintenance will be announced where we can.

Keep your own copy of anything you cannot afford to lose. CSV export exists for exactly this, and the software being open source means you can always run your own deployment from your own export.

Liability

To the extent the law allows, the service is provided as is, and we are not liable for indirect or consequential loss, or for any decision you make on the basis of figures in your ledger. Where liability cannot be excluded, it is limited to what you have paid in the twelve months before the claim.

Nothing here limits liability for death or personal injury caused by negligence, for fraud, or for anything else that cannot lawfully be limited — including your statutory rights as a consumer, which these terms do not affect.

Ending it

You can stop using the service and delete your account at any time.

We may suspend or close an account that breaks these terms, and we will tell you why and give you a chance to export your data unless the law prevents us.

If the hosted service is ever discontinued, we will give at least 60 days' notice, refund any unused prepaid period, and keep export working until the end. The software is AGPL-3.0, so a deployment of your own remains possible regardless.

Changes, and law

If these terms change materially we will give notice by email before the change takes effect. Continuing to use the service after that means accepting them.

These terms are governed by the laws of England and Wales, and the courts there have jurisdiction. If you are a consumer elsewhere, this does not deprive you of the protection of your own country's mandatory consumer law.

Contact

info@smpl.money.