Terms of Use

These Terms of Use (“Terms”) apply to Billy, the envelope budgeting app for iPhone (the “App”), made by Felipe Passos (“we”, “us”). By downloading or using the App, you agree to these Terms. If you don’t agree, please don’t use the App.

Your license to use the App comes from Apple’s Licensed Application End User License Agreement (the “Standard EULA”), and these Terms add to it. If the two conflict, the Standard EULA applies. These Terms are between you and us, not Apple, and Apple isn’t responsible for the App or for supporting it.

1. Eligibility

You must be at least 13 years old, or the minimum age to use apps like this in your country, to use Billy. If you’re under the age of majority where you live, a parent or guardian must agree to these Terms for you.

2. What Billy is, and what it isn’t

Billy helps you plan and track your own money with envelope budgeting: you give your money jobs, record your spending and see what’s left.

Billy isn’t a bank. It doesn’t hold or move money, and it doesn’t connect to your accounts. Nothing in Billy is financial, investment, tax or legal advice. Its numbers are only as accurate as the information you enter or import. Receipt scanning, statement imports and suggestions can misread or miscategorize things, so check them, and check important figures against your bank. Decisions about your money are yours.

3. Your data

Billy keeps your data only on your device (see the Privacy Policy). We have no copy of it, so we can’t recover lost data. If you delete the app, erase its data or lose your device without a backup, your budget is gone. Keep backups: Billy’s Settings can save a backup file, and your iPhone backups include Billy’s data.

You own the data you put into Billy.

4. Billy Pro: Monthly and Lifetime

After onboarding, using Billy requires Billy Pro, which comes in two forms:

• Monthly: an auto-renewable subscription, billed every month.
• Lifetime: a one-time purchase that never renews.

Prices are shown in the App Store and in Billy before you buy, in your local currency, and may vary by country. There’s no free trial.

Payment is charged to your Apple Account when you confirm the purchase. The Monthly subscription renews automatically unless you turn off auto-renew 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 period ends. You can manage or cancel the subscription at any time in your Apple Account’s subscription settings. Cancelling stops future renewals, and you keep Billy Pro until the end of the period you’ve paid for.

If you buy Lifetime while a Monthly subscription is active, Apple doesn’t cancel the subscription for you. Cancel it in your Apple Account settings so you aren’t charged again. Billy points this out when it happens.

Lifetime unlocks Billy Pro with no further payments, including future updates, on the devices Billy supports.

Purchases belong to the Apple Account you buy with. Use Restore Purchases in Billy to get Billy Pro back on another device signed in to the same Apple Account. Purchases aren’t shared through Family Sharing.

All billing is handled by Apple under Apple’s terms. We don’t have access to your payment details and can’t issue refunds ourselves. Refund requests go to Apple at reportaproblem.apple.com.

5. Acceptable use

Don’t use Billy for anything unlawful, and don’t copy, modify, reverse-engineer or redistribute the App, except where the law allows it.

6. Intellectual property

The App, its design, its name and its brand belong to us. These Terms don’t give you any rights to them beyond using the App.

7. Updates and availability

We may update Billy to add, change or remove features, and some updates may need a newer version of iOS. We work to keep the App reliable, but we can’t promise it will always be available, free of errors or compatible with every device.

8. Disclaimer

To the fullest extent the law allows, Billy is provided “as is” and “as available”, without warranties of any kind.

9. Limitation of liability

To the fullest extent the law allows, we aren’t liable for indirect, incidental, special or consequential damages, or for financial losses, arising from using or being unable to use Billy. That includes decisions you make based on its numbers and the loss of data stored on your device. Our total liability for any claim is limited to the amount you paid for Billy Pro in the 12 months before the claim.

10. Your rights as a consumer

Nothing in these Terms limits any rights you have under consumer protection laws that can’t be waived where you live.

11. Stopping

You can stop using Billy at any time. Deleting the app deletes its data from your device. Deleting the app doesn’t cancel a Monthly subscription, which keeps renewing until you cancel it in your Apple Account settings.

12. Changes to these Terms

We may update these Terms. We’ll change the date at the top of this page and, for significant changes, tell you in the app. If you keep using Billy after a change, you accept the updated Terms.

13. Governing law

These Terms are governed by the laws of Brazil, without regard to conflict-of-law rules. If you’re a consumer, you also keep the protection of the mandatory laws of the country where you live, and you can bring a claim in your local courts.

14. Contact

Questions about these Terms can be sent to support@getcorpus.app.