Terms of Service

Version: v1.0.0

Acceptance of Terms

Welcome to BalanceOne. By creating an account or using our service, you agree to these Terms of Service ("Terms"). If you don't agree, please don't use BalanceOne.

Service evolution: BalanceOne is actively developed. Features, pricing, and plans may evolve. We'll notify you of material changes by email or in-app notice.

Description of Service

BalanceOne is a personal finance tracking platform that helps you:

• Track wealth accounts and transactions
• Organize finances into portfolios
• Share financial insights with trusted family or friends
• View spending patterns and balances

What BalanceOne is NOT:

• Not a bank or financial institution
• Not a financial advisor or investment platform
• Not a tax preparation service
• Not a budgeting tool with enforcement (we show data, you make decisions)

Eligibility

You must be at least 18 years old to use BalanceOne. By creating an account, you represent that you meet this requirement.

Account Creation and Security

Your Account

• Provide accurate, current information when creating your account
• Keep your password secure and confidential
• You're responsible for all activity under your account
• Don't share your account credentials with others

Account Termination

We reserve the right to suspend or terminate your account if you:

• Violate these Terms
• Provide false or misleading information
• Engage in fraudulent or illegal activity
• Abuse the service or harm other users

Your Responsibilities

Your Content

"Your Content" means all data you upload: transactions, account names, descriptions, notes, file attachments, etc.

You are responsible for:

• Accuracy: Ensuring your financial data is accurate (we don't verify or validate it)
• Backups: Maintaining your own backups of critical financial data
• Legal compliance: Using BalanceOne in compliance with applicable laws
• Sharing responsibility: Ensuring you have permission to share financial data with portfolio members

Prohibited Uses

You may not:

• Use BalanceOne for illegal purposes or to violate any laws
• Upload malware, viruses, or malicious code
• Attempt to gain unauthorized access to our systems or other users' data
• Scrape, crawl, or use automated tools to access BalanceOne without permission
• Impersonate others or misrepresent your identity
• Harass, abuse, or harm other users

Portfolio Sharing

How Sharing Works

• You can invite others to view or collaborate on your portfolios
• Portfolio members see only the data you've explicitly shared with them
• You control member permissions (view-only or edit access)
• You can remove members anytime

Your Obligations

When you share a portfolio:

• You're responsible for who you invite
• You must have permission to share the financial data (e.g., joint accounts)
• You're responsible for removing members when appropriate (e.g., after a relationship ends)

Shared Data Ownership

• You own the portfolios you create
• Portfolio members contribute data (transactions, notes) but don't own the portfolio
• If you delete your account, your contributions to others' portfolios remain (see Privacy Policy for details)

Intellectual Property

Our Intellectual Property

BalanceOne owns all rights to:

• The BalanceOne platform, software, and code
• Our logo, branding, and design
• Features, functionality, and user interface

You may not copy, modify, distribute, or reverse-engineer any part of BalanceOne without our written permission.

Your Content

You retain ownership of Your Content (financial data, notes, attachments). By using BalanceOne, you grant us a limited license to:

• Store and display Your Content to you
• Process Your Content to provide the service (e.g., calculate balances, generate reports)
• Share Your Content with portfolio members you've invited

We will not use Your Content for any other purpose (e.g., advertising, selling data) without your explicit consent.

Privacy and Data Protection

Your privacy is important to us. Our Privacy Policy explains:

• What data we collect
• How we use and protect your data
• Your rights and choices

By using BalanceOne, you also agree to our Privacy Policy. Privacy Policy.

Disclaimer of Warranties

BalanceOne is provided "as is" without warranties of any kind.

We do not guarantee that:

• BalanceOne will be error-free, uninterrupted, or secure
• Your data will always be accurate or up-to-date (you're responsible for accuracy)
• BalanceOne will meet your specific needs
• Any bugs or issues will be fixed

Financial disclaimer:

• BalanceOne is a tracking tool, not financial advice
• We make no recommendations about your finances
• Always consult a qualified financial advisor for financial decisions
• We are not responsible for financial losses based on data in BalanceOne

Limitation of Liability

To the maximum extent permitted by law, BalanceOne and its team are not liable for any indirect, incidental, or consequential damages arising from your use of the service.

This includes, but is not limited to:

• Data loss or corruption
• Financial losses based on inaccurate data
• Downtime or service interruptions
• Security breaches (though we work hard to prevent them)
• Disputes between portfolio members

Limitation of Damages

Our total liability to you for any claim is limited to:

• Free plan: AUD $100
• Paid plans: The amount you have paid to BalanceOne in the 12 months preceding the claim

This limitation applies even if we've been advised of the possibility of damages.

Indemnification

You agree to indemnify and hold BalanceOne harmless from any claims, losses, or expenses (including legal fees) arising from:

• Your use of BalanceOne
• Your violation of these Terms
• Your violation of any laws or regulations
• Disputes with portfolio members
• Inaccurate or misleading data you provide

Pricing and Payment

BalanceOne offers Free, Plus, and Family subscription plans with different features and limits. Current pricing and plan details are listed on our Pricing page and in your Account Settings.

All prices are in Australian Dollars (AUD) and are inclusive of GST. You are responsible for any other taxes that may apply depending on your jurisdiction.

Payment Processing

Payments are processed securely by Stripe, a PCI-DSS Level 1 certified payment provider. BalanceOne does not store your full credit card details on our servers. Your payment method is tokenized and stored securely with Stripe.

Subscription Billing

Subscriptions auto-renew at the end of each billing period (monthly or yearly). You authorise us to charge your payment method for each renewal. You can view your billing history and manage payment methods via the Stripe Customer Portal, accessible from your Account Settings.

Plan Changes

• Upgrading: If you upgrade, you gain immediate access to new features. You are charged only the prorated difference for the remainder of your current billing period.
• Downgrading: If you downgrade to a lower plan, the change takes effect immediately. Limits associated with your new plan apply straight away. Any unused subscription time is credited to your account.
• Changing billing cycle (monthly ↔ yearly): Your billing cycle changes immediately. You are charged or credited the prorated difference.

Cancellation

You can cancel your paid subscription at any time from Account Settings.

Your paid plan remains active until the end of your current billing period. At period end, your account reverts to Free. You retain access to your data, but feature limits apply. Cancellations are final.

Refunds

Refund eligibility is assessed case-by-case. Factors considered include time since the charge, usage of paid features, and whether the issue was a service error on our part. Refunds are processed through Stripe and may take 5–10 business days.

Email: support@balanceone.app

Price Changes

We may adjust our prices from time to time. We will notify you at least 30 days before any price increase to your plan. You may cancel before the new price applies.

Failed Payments

If a recurring payment fails, we will notify you by email. Your paid features remain accessible during a grace period while you update your payment method. If the payment method is not updated, your account will be downgraded to Free.

Service Availability

BalanceOne is actively maintained and improved. While we aim for high availability, we do not guarantee uninterrupted access. We may:

• Experience unplanned downtime due to infrastructure issues
• Perform scheduled maintenance with reasonable advance notice
• Add, modify, or remove features (material changes will be communicated)

We use reasonable efforts to restore service promptly in the event of an outage.

Data Backup and Loss

Your responsibility: You're responsible for maintaining backups of critical financial data.

Our backups: We perform automatic backups, but these are for disaster recovery, not individual data restoration.

No guarantee: We cannot guarantee that your data will never be lost. While we take precautions, hardware failures, bugs, or other issues could result in data loss.

Export your data: Use the data export feature (coming soon) to maintain your own backups.

Third-Party Services

BalanceOne integrates with third-party services (Supabase, Vercel, Resend). These services have their own terms and privacy policies. We're not responsible for their actions or policies.

See our Privacy Policy for a full list of third-party services we use.

Changes to These Terms

We may update these Terms from time to time. If we make significant changes, we'll notify you by email or through the app.

Continued use: By continuing to use BalanceOne after changes take effect, you agree to the updated Terms.

Version history:

• v1.0.0 (June 11, 2026): Production release with paid subscription plans, Stripe billing, and updated pricing terms
• v0.9.0 (February 15, 2026): Early access version for pilot users

Termination

You Can Leave Anytime

You can delete your account anytime from Settings → Data & Privacy (coming soon). See our Privacy Policy for what happens to your data. Privacy Policy.

We Can Terminate Your Account

We reserve the right to suspend or terminate your account if:

• You violate these Terms
• Your account is inactive for an extended period (we'll notify you first)
• We discontinue BalanceOne (we'll provide reasonable notice)

Effect of Termination

When your account is terminated:

• You lose access to BalanceOne and your data
• Your data will be deleted per our Privacy Policy (30-day grace period, then permanent deletion)
• These Terms remain in effect for past use of BalanceOne

Dispute Resolution

Governing Law

These Terms are governed by the laws of Australia (New South Wales). Any disputes will be resolved in the courts of New South Wales.

Informal Resolution

Before filing a claim, please contact us at support@balanceone.app to try to resolve the issue informally. support@balanceone.app

Miscellaneous

Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and BalanceOne. Privacy Policy.

Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in effect.

No Waiver

Our failure to enforce any provision of these Terms does not waive our right to enforce it later.

Assignment

You may not transfer your rights under these Terms. We may assign our rights to a successor or affiliate.

Contact Us

Questions about these Terms?

Email: support@balanceone.app

Response time: Within 48 hours