Terms & Conditions

These Terms & Conditions ("Terms") form a binding agreement between you ("you", "User") and simpleIOU ("simpleIOU", "we", "us", "our") governing your access to and use of the website at www.simpleIOU.com and any related applications, APIs, and services (collectively, the "Service"). By accessing, registering for, or using the Service, you agree to these Terms in full. If you do not agree, do not use the Service.

1. The Service

simpleIOU is a personal money-tracking utility that helps you record IOUs, subscriptions, loans, and similar entries you choose to enter. The Service is provided for informational and organisational purposes only and is not a financial product, regulated service, bank, payment processor, debt collector, lender, broker, advisor, accountant, or tax advisor. Nothing in the Service constitutes financial, legal, accounting, investment, or tax advice.

2. Eligibility & accounts

You must be at least 16 years old (or the age of digital consent in your jurisdiction, whichever is higher) and legally able to enter into a binding contract. You are solely responsible for maintaining the confidentiality of your credentials and for all activity that occurs under your account. You must notify us promptly of any unauthorised use.

3. Your content & data

You retain ownership of the data you enter ("User Content"). You grant simpleIOU a worldwide, royalty-free, non-exclusive licence to host, store, process, transmit, and display User Content solely to operate, secure, and improve the Service. You represent and warrant that you have all rights necessary to submit User Content and that doing so does not violate any law or third-party right.

4. Acceptable use

You agree not to, and not to permit anyone else to:

• use the Service for any unlawful, fraudulent, harassing, or abusive purpose;
• reverse-engineer, decompile, scrape, or attempt to extract source code, except to the extent such restriction is prohibited by applicable law;
• interfere with, disrupt, overload, or probe the Service or its infrastructure;
• upload malicious code or attempt to gain unauthorised access to any system or data;
• use the Service to collect debts from third parties, conduct regulated lending, or process payments on behalf of others;
• resell, sublicense, or use the Service to build a competing product.

5. Paid plans, billing & refunds

Paid plans (e.g. "IOU Pro") are billed through our third-party payment processor (Paddle). By purchasing a paid plan you agree to the processor's terms in addition to these Terms. Subscriptions renew automatically until cancelled. Except where required by mandatory law, all fees are non-refundable, including for partial billing periods and unused features. Prices may change with notice; continued use after a price change constitutes acceptance.

6. No financial advice; user responsibility

Any figures, forecasts, payoff projections, totals, currency conversions, reminders, calendars, or summaries shown by the Service are estimates generated from the data you entered and are provided "as is" for convenience only. simpleIOU does not verify the accuracy of any User Content. You are solely responsible for verifying all calculations and for any financial, legal, or tax decisions you make. Do not rely on the Service in lieu of qualified professional advice.

7. Third-party services

The Service may integrate with or link to third parties (e.g. Paddle for payments, identity providers for sign-in, cloud hosting providers, analytics). simpleIOU is not responsible for third-party services, their availability, content, or practices, and your use of them is governed by their own terms.

8. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OR CONDITIONS OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, TITLE, NON-INFRINGEMENT, UNINTERRUPTED OR ERROR-FREE OPERATION, OR THAT DATA WILL NOT BE LOST. simpleIOU DOES NOT WARRANT THAT THE SERVICE WILL MEET YOUR REQUIREMENTS OR PRODUCE ACCURATE RESULTS.

9. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL simpleIOU, ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, AFFILIATES, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATED TO YOUR USE OF (OR INABILITY TO USE) THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. simpleIOU'S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU ACTUALLY PAID simpleIOU IN THE THREE (3) MONTHS PRECEDING THE EVENT GIVING RISE TO LIABILITY, OR (B) USD $20. THESE LIMITATIONS APPLY REGARDLESS OF THE LEGAL THEORY (CONTRACT, TORT, STATUTE, OR OTHERWISE).

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability for certain damages; in such jurisdictions our liability is limited to the greatest extent permitted.

10. Indemnity

You agree to defend, indemnify, and hold harmless simpleIOU and its affiliates from and against any and all claims, damages, liabilities, losses, costs, and expenses (including reasonable legal fees) arising out of or related to: (a) your User Content; (b) your use or misuse of the Service; (c) your violation of these Terms or any applicable law; or (d) your violation of any third-party right.

11. Suspension & termination

We may suspend or terminate your access to the Service at any time, with or without notice, for any reason, including suspected violation of these Terms. Upon termination, your right to use the Service ceases immediately. Sections that by their nature should survive termination (including intellectual property, disclaimers, liability limits, indemnity, and governing law) shall survive.

12. Changes to the Service or Terms

We may modify, suspend, or discontinue the Service (or any part of it) at any time. We may also update these Terms; the updated Terms take effect when posted. Your continued use of the Service after changes constitutes acceptance.

13. Governing law & disputes

These Terms are governed by the laws of England and Wales, without regard to its conflict of laws principles. You agree that any dispute shall be resolved exclusively in the competent courts of London, England, except where mandatory consumer-protection law in your country of residence provides otherwise.

14. Contact

Questions about these Terms? Contact us.