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 lets you use up to three financial accounts at a time and shows advertising. Accounts beyond that are frozen: they stay readable and keep counting toward your totals, but their entries and details accept no changes, though a frozen account can still be archived or deleted like any other. One can be used again if you pick it in the one-time choice a downgrade may put to you, if you give it a place that has come free by archiving or deleting an account you’re using, or if you subscribe. The Premium plan is $30 per year or $3 per month, lets you use every account you have and removes the advertising. Prices are in US dollars, and no sales tax, VAT or other tax is added to them today.

Subscriptions renew automatically at the end of each period until canceled. If we change the price, or tax is added to what a renewal costs, we’ll email you between 7 and 30 days before the change takes effect, saying what it will cost and how to cancel, and you may cancel before it does.

Canceling, and refunds

You can cancel at any time from the plan page, or, without signing in, by writing to info@smpl.money from the address on your account. 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. An account counts as in use from when you open or restore it until a choice leaves it out or you archive or delete it. If more than three are in use when a subscription ends, which can happen on a first downgrade and again after a subscription in which you opened or restored accounts, you choose any three to keep using; if three or fewer are, nothing is asked and they stay in use. Any others are frozen: readable in full, still counted in your totals, and closed to changes in their entries and details, though you can still archive or delete one like any other account. Until you choose, the oldest three of the accounts in use stay usable: on a first downgrade, your three oldest accounts; after an earlier choice, the oldest three among the accounts still chosen and any you’ve opened or restored since, so an account that was frozen when you subscribed again isn’t one of them. That choice is made once. After that, an account you’re using stays active until you archive or delete it, and only then can a frozen account take its place; subscribing again makes all of them usable at once.

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.

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.

We don’t send news about the product today. If we ever do, every message will carry an unsubscribe link that works immediately, and unsubscribing won’t affect your account or the messages above. You can also write to us to opt out before anything is sent. 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 every transaction in 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. It holds every transaction you ask it for, but not what sits around them, such as an account’s opening balance, budgets, templates and recurring entries. Because the software is open source, you can load your transactions into a deployment of your own one account at a time: export each account from its own page with the dates set to All time, and bring that file into the matching account. An account past 10,000 transactions goes in a date range at a time, one export per range. Each import puts every row into the one account you pick, so a file holding several accounts lands in one of them. A transfer between two of your accounts is in both files, and the second import flags it as a duplicate.

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’ll email you before the change takes effect, saying what’s changing and how to cancel. Continuing to use the service after that means accepting them.

These terms are governed by the laws of the State of California, without regard to its conflict-of-laws rules, and the state and federal courts located in California have jurisdiction over any dispute about them. If you’re a consumer and live somewhere else, this doesn’t take away the protection of the mandatory consumer law where you live, including any right it gives you to bring a claim in your own courts.

Contact

info@smpl.money.