Terms of Service.

The short version

1. This agreement

These Terms of Service ("Terms") are a binding agreement between you and Addtivity Data LLC, a limited liability company of Lexington, South Carolina ("Addtivity", "we", "us"). They govern the Addtivity Command suite of software — including Addtivity Finance for Windows and iOS and every other application we publish under the Addtivity name — together with this website and any documentation we supply (together, the "Software").

By installing, opening or using the Software, or by using this website, you accept these Terms. If you do not accept them, do not use the Software.

If you are accepting on behalf of a company or other organisation, you confirm you have authority to bind it, and "you" means that organisation.

2. Who may use it

You must be at least 13 years old to use the Software. If you are under the age of majority where you live, you may use it only with the involvement of a parent or guardian who accepts these Terms on your behalf.

You may not use the Software if you are barred from doing so under the laws of the United States or of your country of residence.

3. Your licence

We grant you a limited, personal, non-exclusive, non-transferable, revocable licence to install and use the Software:

• on devices you own or control;
• for your own purposes, personal or commercial, including operating your own business;
• for as long as you comply with these Terms.

This is a licence, not a sale. We keep every right we do not expressly grant here.

4. What you may not do

You may not:

• Sell, rent, lease, sublicense, or redistribute the Software, or present it as your own;
• Copy or modify the Software except as these Terms or applicable law permit;
• Reverse engineer, decompile or disassemble it, except to the extent the law expressly allows despite this restriction;
• Remove or obscure any notice of copyright, trademark or ownership;
• Use the Software to break the law, to infringe anyone's rights, or to store or process another person's data without the right to do so;
• Attempt to gain unauthorised access to our systems, or to anyone else's account or data;
• Interfere with the Software's operation, or with anyone else's use of it, including by introducing malicious code;
• Use automated means to overload or abuse any service the Software depends on.

5. Accounts

An account is optional. Every screen of Addtivity Finance works without one, and we do not gate features behind signing in.

If you do create an account, it exists to identify you across your own devices. It carries your identity, your list of devices, your app preferences and, if you buy a plan in the iPhone app, the record of that plan. It carries your transactions, balances and receipts only if you turn on books sync, which is off until you choose it — see section 6 and the Privacy Policy.

You are responsible for the security of your account and for everything done through it. Tell us promptly if you believe it has been compromised. You may delete your account at any time from inside the app. Deleting it removes the account and what is stored with it, as the Privacy Policy describes. It does not cancel an App Store subscription, and it does not delete records stored on your devices.

6. Your data and your backups

If you lose the device, reset it, or uninstall the app, records that exist only on that device are gone. Signing in on its own is not a backup, and books sync is a way to carry your books between your devices, not a backup service. Turning books sync off stops anything further being sent but does not delete what is already stored; deleting your account removes it.

Keeping your own backups of anything you would be sorry to lose is your responsibility.

You keep all rights in the data you enter. We claim no ownership of it and do not sell it. If you sync your books, we store them only so that your own devices can fetch them.

7. Not financial advice

Projections, payoff schedules, budget suggestions, net-worth figures and calculator results are illustrations produced from the numbers and assumptions you enter. Real outcomes differ, often materially. Nothing in the Software takes account of your full circumstances, your tax position or your risk tolerance.

Market prices shown for the investments you have recorded come from a third party (see section 10). They are information about the market, not a recommendation to buy, hold or sell anything.

Before a decision that matters — borrowing, investing, filing, restructuring a debt, buying property — consult a licensed professional who knows your situation. You are responsible for the accuracy of what you enter and for every decision you take after reading what the Software shows you.

8. Price, plans and subscriptions

The Windows application is provided free of charge, with no advertising and no subscription.

The iPhone application is free to use and offers two optional paid plans. There is no advertising in it, on any plan.

• Free. Every screen, and Records books sync between your devices. Your first 14 days, counted from when you first open the app, have no document limit. Those 14 days are not an App Store free trial or introductory offer: they need no payment details, never turn into a paid subscription, and do not include the Pro features below. After they end the app keeps working, and you may file up to 50 documents (receipts, pay stubs and statements together).
• Basic — $3.99 per month. Up to 500 documents, and Records books sync.
• Pro — $7.99 per month. No document limit; Everything books sync, which carries your document files (receipt photos, scans and PDFs) between your devices as well as your records; and Auto Sync.

Prices are in US dollars and are the prices at the time of writing. The price you are charged is always the one the App Store shows in the app at the moment you subscribe, in your own currency and storefront.

How billing works. Basic and Pro are auto-renewing monthly subscriptions sold and billed by Apple through the App Store. Payment is charged to your Apple Account when you confirm the purchase. A subscription renews automatically each month unless auto-renew is turned off at least 24 hours before the end of the current period, and your Apple Account is charged for the renewal within the 24 hours before the current period ends.

How to cancel. Manage or cancel a subscription at any time in Settings ▸ your name ▸ Subscriptions on your iPhone. Cancelling stops the next charge; the plan continues to the end of the period you have already paid for. Deleting the app, or your Addtivity Command account, does not cancel a subscription.

Refunds for App Store purchases are handled by Apple under Apple's terms, not by us. We cannot issue or reverse a charge Apple made.

What happens to your records when a plan ends. Nothing. A limit stops you adding new documents; it never deletes, locks or hides anything you have already filed, on any plan, ever. Everything you have entered stays readable and searchable on your own device whatever you are paying, including nothing.

Changing the price. If we change the price of a plan we will tell you before it applies to you, and Apple will ask for your consent where its rules require. Anything you already have will not silently start costing money.

9. Ownership

The Software, the Addtivity name and logo, the design of this website, and all related intellectual property are owned by Addtivity Data LLC or our licensors, and are protected by copyright, trademark and other laws. Nothing in these Terms transfers any of it to you.

Feedback you send us is welcome and is not confidential. If you send it, you allow us to use it without obligation or payment.

10. Third-party services

Some features depend on services we do not control — including Apple and Google for signing in, Apple for processing subscription payments, Supabase, our authentication and database provider, which holds your account and, if you turn it on, your synced books, Expo, which delivers updates to the iPhone app, and Yahoo Finance, whose public price data the iPhone app reads to show the investments you have recorded at today's prices (the Privacy Policy says exactly what that request carries). Where you use one of those services directly, such as signing in with Apple or Google, your use of it is governed by its own terms and privacy policy. We are not responsible for how those services operate, for their availability, or for anything they do with information you give them directly.

Prices are information, not a quote you can act on in the Software. Prices from Yahoo Finance are delayed by about a minute, may be unavailable, and can be wrong. The Software shows them as given and, where none is available, values a holding at what you paid for it. Nothing in the Software places an order or sells a holding: a note that money set aside for a bill or a goal is kept in a holding is your own note, and acting on it is yours to do with your broker.

Links from the Software or this website to other sites are provided for convenience and are not an endorsement.

11. Bank connections

Where a build of Addtivity Finance offers bank connections (it shows a Banks page when it does; the iPhone app on the App Store does not yet), they are part of the Pro plan and work through Plaid. You sign in to your bank on Plaid's own page; we never see those credentials. We request Plaid's transactions product only, which reads account names, balances and transactions and can do nothing else. What we receive and keep is set out in the Privacy Policy.

Connecting a bank needs an account with two-factor authentication turned on, and the app asks for your agreement, in words it then records, before the first connection. You can disconnect any bank at any time on the Banks page, which revokes the connection at Plaid as well as in the app.

Your use of Plaid is also governed by Plaid's End User Privacy Policy and Plaid's terms. We do not control Plaid or your bank, and we are not responsible for their availability, for a connection they refuse or end, or for the accuracy of what your bank reports through them. Imported transactions are records of what your bank said; check them against your own statements before relying on them.

No money moves. There is no code path in any Addtivity application that can move money, initiate a payment, or make a transfer, and the Plaid connection we request cannot either. We are not a bank, we do not hold funds, and we do not provide money transmission of any kind.

12. App stores

Where you obtain the Software from an app store or distribution platform — the Apple App Store, Google Play, or any other — you also agree to that platform's terms, and you must use the Software in a way those terms permit.

The platform is not a party to these Terms and is not responsible for the Software, except where stated in section 13.

13. Apple-specific terms

This section applies when you obtain an Addtivity application from the Apple App Store. It exists to satisfy Apple's minimum end-user licence requirements, and it prevails over anything inconsistent elsewhere in these Terms. In it, "Application" means the Addtivity application you obtained from the App Store.

Apple's Standard EULA. When you download an Application from the App Store, Apple's Licensed Application End User License Agreement (the "Standard EULA") also applies to your use of it. These Terms apply alongside the Standard EULA; if the two conflict about your licence to use the Application, the Standard EULA governs.

1. Acknowledgement. These Terms are between you and Addtivity Data LLC only, not with Apple. Addtivity, not Apple, is solely responsible for the Application and its content.
2. Scope of licence. Your licence to use the Application is non-transferable and limited to Apple-branded products you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions, except that the Application may be accessed by other accounts associated with you through Family Sharing or volume purchasing.
3. Maintenance and support. Addtivity is solely responsible for providing any maintenance and support for the Application. Apple has no obligation whatsoever to furnish any maintenance and support services in relation to it.
4. Warranty. Addtivity is solely responsible for any product warranties, whether express or implied by law, to the extent they are not effectively disclaimed. If the Application fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price of the Application to you, if any. To the maximum extent permitted by law, Apple has no other warranty obligation whatsoever with respect to the Application, and any other claims, losses, liabilities, damages, costs or expenses attributable to a failure to conform to any warranty are Addtivity's sole responsibility.
5. Product claims. Addtivity, not Apple, is responsible for addressing any claims by you or a third party relating to the Application or your possession or use of it, including product liability claims, any claim that the Application fails to conform to a legal or regulatory requirement, and claims arising under consumer protection, privacy or similar legislation.
6. Intellectual property. If a third party claims the Application or your possession and use of it infringes their intellectual property rights, Addtivity, not Apple, is solely responsible for the investigation, defence, settlement and discharge of that claim.
7. Legal compliance. You represent and warrant that you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and that you are not listed on any U.S. Government list of prohibited or restricted parties.
8. Developer name and address. Addtivity Data LLC, 41 Boardwalk Lane, Lexington, South Carolina 29072, United States. Questions, complaints and claims about the Application go to hello@addtivitycommand.com.
9. Third-party terms. You must comply with any applicable third-party terms when using the Application.
10. Third-party beneficiary. Apple and Apple's subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance of them Apple will have the right — and is deemed to have accepted the right — to enforce these Terms against you as a third-party beneficiary.

14. Availability and updates

We may change, suspend or discontinue any part of the Software at any time. We may issue updates, and some install automatically: the App Store may update apps depending on your device's settings, and the iPhone app checks for updates to its own code when it opens and downloads them, as the Privacy Policy describes. Updates may add, change or remove features.

Because your records are stored locally, discontinuing a service does not delete what is on your device — but a feature that depends on a service may stop working.

15. No warranty

The Software is provided "as is" and "as available", without warranty of any kind, whether express, implied or statutory. To the fullest extent permitted by law, we disclaim all implied warranties, including merchantability, fitness for a particular purpose, title and non-infringement.

We do not warrant that the Software will be uninterrupted, secure or error-free, that defects will be corrected, or that any figure, projection or calculation it produces is accurate or suitable for your purposes.

Some jurisdictions do not allow the exclusion of certain warranties. Where that is so, the exclusions above apply only to the extent the law permits, and you may have other rights that vary by jurisdiction.

16. Limits on liability

To the fullest extent permitted by law, Addtivity Data LLC and its members, officers and contractors will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, lost revenue, lost data, business interruption, or financial decisions made in reliance on the Software — whether the claim is in contract, tort, or any other theory, and even if we were told such damages were possible.

Because the Software is free to use, our total aggregate liability for all claims relating to it is limited to the greater of the amount you actually paid for it, including subscription charges, in the twelve months before the claim, or US $50.

Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so parts of this section may not apply to you.

17. Indemnification

You agree to indemnify and hold harmless Addtivity Data LLC and its members, officers and contractors from any claim, loss, liability, cost or expense (including reasonable legal fees) arising from your use of the Software, your breach of these Terms, or your violation of any law or of anyone else's rights.

18. Ending this

You may end this agreement at any time by uninstalling the Software and, if you created one, deleting your account.

We may suspend or end your licence if you materially breach these Terms, or if we are required to by law. Sections that by their nature should survive termination — ownership, disclaimers, liability limits, indemnification and governing law — survive it.

19. Changes to these terms

We may revise these Terms. When we make a material change we will update the "Last updated" date at the top of this page and, where it matters, say so in the Software. Continuing to use the Software after a revision takes effect means you accept it. If you do not, stop using the Software.

20. Governing law and disputes

These Terms are governed by the laws of the State of South Carolina, United States, without regard to its conflict-of-laws rules. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

You and we agree to the exclusive jurisdiction of the state and federal courts located in Richland County, South Carolina for any dispute arising out of these Terms or the Software, and each of us waives any objection to venue there.

Talk to us first. Before filing anything, please email hello@addtivitycommand.com describing the problem. Most things can be sorted out that way, and we will try in good faith to do so within 30 days.

Nothing here prevents either of us from bringing an individual claim in small claims court, or from seeking injunctive relief to protect intellectual property.

21. Export and government use

You may not export or re-export the Software except as permitted by United States law and the laws of the jurisdiction in which it was obtained. You represent that you are not located in an embargoed country and are not on any U.S. Government restricted-party list.

The Software is "commercial computer software" as defined in applicable U.S. federal regulations. Any use by the U.S. Government is governed solely by these Terms.

22. General

• Entire agreement. These Terms and the Privacy Policy are the whole agreement between us about the Software, and replace anything said before.
• Severability. If any provision is held unenforceable, the rest stays in force and the unenforceable part is narrowed to the minimum extent necessary.
• No waiver. If we do not enforce a provision, that is not a waiver of our right to enforce it later.
• Assignment. You may not assign these Terms without our written consent. We may assign them to an affiliate or in connection with a merger or sale of assets.
• Force majeure. Neither of us is liable for a failure caused by something genuinely beyond our reasonable control.
• Headings. Section headings are for reading convenience and have no legal effect.

23. Contact

Addtivity Data LLC
41 Boardwalk Lane, Lexington, South Carolina 29072, United States
hello@addtivitycommand.com

See also the Privacy Policy, which explains in detail what the Software stores, what leaves your device, and the rights you have over it.