Terms of Service for PebbleBill

Last Updated: November 16, 2024

1. Agreement to Terms

By accessing or using PebbleBill ("Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service.

2. Description of Service

PebbleBill is a subscription management application that helps you:

  • Track recurring payments and subscriptions
  • Analyze spending patterns
  • Receive notifications about upcoming payments
  • Manage connected bank accounts via Plaid

3. Eligibility

You must:

  • Be at least 18 years old
  • Have the legal capacity to enter into binding contracts
  • Provide accurate and complete registration information
  • Maintain the security of your account credentials

4. Account Registration and Security

4.1 Account Creation

You agree to:

  • Provide accurate, current, and complete information
  • Maintain and update your information
  • Keep your password secure and confidential
  • Notify us immediately of any unauthorized access

4.2 Account Responsibility

You are responsible for:

  • All activities under your account
  • Maintaining the confidentiality of your credentials
  • Any charges or fees resulting from your account usage

5. Use of Plaid Services

5.1 Bank Account Connection

By connecting your bank account, you:

  • Authorize us to access your financial data via Plaid
  • Grant Plaid permission to retrieve your account and transaction information
  • Agree to Plaid's End User Privacy Policy at https://plaid.com/legal/

5.2 Data Accuracy

We rely on data provided by Plaid and your financial institutions. We are not responsible for:

  • Inaccuracies in transaction data
  • Delays in data synchronization
  • Errors from third-party data sources

6. Acceptable Use

6.1 Permitted Use

You may use the Service for:

  • Personal subscription tracking and management
  • Analyzing your recurring payments
  • Managing your financial subscriptions

6.2 Prohibited Use

You may NOT:

  • Use the Service for any illegal purpose
  • Violate any laws or regulations
  • Impersonate any person or entity
  • Interfere with or disrupt the Service
  • Attempt to gain unauthorized access to our systems
  • Use automated tools (bots, scrapers) without permission
  • Reverse engineer or decompile any part of the Service
  • Share your account credentials with others

7. Intellectual Property Rights

7.1 Our Property

The Service, including all content, features, and functionality, is owned by PebbleBill and is protected by copyright, trademark, and other intellectual property laws.

7.2 Your Data

You retain ownership of your personal data. By using the Service, you grant us a limited license to:

  • Store and process your data to provide the Service
  • Use aggregated, anonymized data to improve the Service

8. Data Deletion and Retention

8.1 Data Retention

We retain your data while your account is active and for legitimate business purposes, including:

  • Providing subscription tracking services
  • Complying with legal obligations
  • Resolving disputes

8.2 Account Deletion

You may delete your account at any time through account settings. Upon deletion:

  • Your personal data will be deleted within 30 days
  • Some data may be retained as required by law
  • Transaction history will be permanently deleted
  • Bank connections via Plaid will be disconnected

9. Privacy and Data Protection

Your privacy is important to us. Our collection and use of personal information is described in our Privacy Policy at [link to privacy policy]. By using the Service, you consent to our Privacy Policy.

10. Service Availability and Modifications

10.1 Service Availability

We strive to provide continuous service but do not guarantee:

  • Uninterrupted or error-free operation
  • Availability at all times
  • Freedom from viruses or other harmful components

10.2 Service Modifications

We reserve the right to:

  • Modify or discontinue the Service at any time
  • Update features and functionality
  • Change pricing or subscription plans (with notice)

11. Disclaimers and Limitation of Liability

11.1 No Financial Advice

PebbleBill provides information tools only. We do not:

  • Provide financial, investment, or tax advice
  • Guarantee accuracy of financial calculations
  • Make recommendations about specific subscriptions

11.2 Service "As Is"

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

11.3 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, PEBBLEBILL SHALL NOT BE LIABLE FOR:

  • Indirect, incidental, special, or consequential damages
  • Loss of profits, data, or business opportunities
  • Damages exceeding the amount paid to us in the past 12 months

12. Third-Party Services

12.1 Plaid

We use Plaid for bank connectivity. Your use of Plaid is subject to:

  • Plaid's Terms of Service
  • Plaid's Privacy Policy
  • Your agreement with your financial institution

12.2 Other Third Parties

The Service may contain links to third-party websites or services. We are not responsible for:

  • Content or practices of third-party sites
  • Your interactions with third parties
  • Terms or policies of third-party services

13. Termination

13.1 Termination by You

You may terminate your account at any time by:

  • Using account deletion in settings
  • Contacting us at og8studios@gmail.com

13.2 Termination by Us

We may suspend or terminate your account if you:

  • Violate these Terms
  • Engage in fraudulent activity
  • Fail to pay applicable fees
  • Use the Service in a way that creates liability

14. Indemnification

You agree to indemnify and hold harmless PebbleBill from any claims, damages, losses, or expenses arising from:

  • Your violation of these Terms
  • Your use of the Service
  • Your violation of any rights of third parties

15. Governing Law and Dispute Resolution

15.1 Governing Law

These Terms are governed by the laws of the State of [Your State], United States, without regard to conflict of law provisions.

15.2 Dispute Resolution

Before filing a claim, you agree to contact us at og8studios@gmail.com to resolve the dispute informally.

15.3 Arbitration

Any disputes will be resolved through binding arbitration in accordance with the American Arbitration Association rules, except where prohibited by law.

16. Changes to Terms

We may update these Terms periodically. We will notify you of material changes by:

  • Posting updated Terms with a new "Last Updated" date
  • Sending email notification for significant changes
  • Requiring acceptance of new Terms upon next login

Continued use after changes constitutes acceptance of the updated Terms.

17. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect.

18. Entire Agreement

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

19. Contact Information

For questions about these Terms, contact us at:

Email: og8studios@gmail.com Website: https://pebblebill.com

20. Acknowledgment

BY USING PEBBLEBILL, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.

← Back to Home