Terms of Service

Agreement to these terms

These Terms of Service ("Terms") govern your use of Otterbond ("the Service," "we," "us"), operated by Miguel Furtado, an individual based in Portugal. The Service includes both the web app and the companion mobile app, which share the same account and backend. By creating an account or using the Service, you agree to these Terms. If you don't agree, don't use the Service.

What the Service is

Otterbond is a personal budgeting and expense-tracking tool: you record budgets, expenses, recurring bills, and savings, optionally shared with people you invite into a workspace. It is a record-keeping tool, not financial, tax, or investment advice. Any decision you make based on what you enter or see in the app is your own responsibility.

Your account

You need a valid email address to create an account, and you're responsible for keeping access to it secure. Anyone who can complete the login flow for your email can access your account. The Service is intended for a general audience and is not directed at children under 16; you must be at least 16 years old to use it.

The accuracy of anything you enter (amounts, categories, dates) is entirely up to you. We don't verify it against any external source.

Your content

You own the data you enter into the Service. We don't claim any ownership over it, and we don't use it for anything beyond providing the Service to you (see our Privacy Policy). You grant us the limited right to store and process it solely so the Service can work: displaying it back to you, syncing it across your devices, and sharing it with anyone you explicitly invite into a workspace.

If you invite someone into a shared workspace, an Editor or Owner role gives them full read/write access to everything in that workspace, and a Viewer role gives read-only access. Think about who you share a workspace with accordingly.

The Service also has a public Ideas Board where anyone signed in can post feedback and comments, visible to every other signed-in user under your account — unlike your budgeting data, this isn't private. We may moderate it and remove content that violates the Acceptable use rules below. Deleting your account replaces your name on anything you've posted there with a generic placeholder; the post or comment itself isn't automatically removed, since it's public content, not personal data (see our Privacy Policy).

Acceptable use

You agree not to:

use the Service for anything illegal; attempt to gain unauthorized access to any account, workspace, or part of the Service that isn't yours; interfere with, overload, or abuse the Service's infrastructure or API; reverse-engineer, scrape, or attempt to extract the Service's source code beyond what's already public; post unlawful, abusive, harassing, or infringing content anywhere in the Service, including the Ideas Board; or impersonate any person or entity.

Fees

The Service has a free tier and a paid Plus tier (currently €2.99/month), billed through Stripe — see the Pricing section for what each includes. First-time subscribers get a 15-day free trial: a card is required upfront, but you're not charged until the trial ends, and cancelling before then means you're never charged.

You can cancel anytime, self-serve, through Stripe's billing portal from within the app. Cancelling stops renewal at the end of your current billing period; you keep Plus access until then. If a payment fails, your plan reverts to Free once Stripe reports the subscription unpaid or cancelled.

If we change pricing or plans in the future, we'll update these Terms first and give you a clear choice before anything you already rely on becomes paid.

Termination

You can delete your account at any time from Profile → Account → Delete my account. This permanently and immediately erases your account and all associated data, and cancels any active Plus subscription immediately (not just at the end of the billing period), as part of the same action. It cannot be undone.

We may suspend or terminate your access if you violate these Terms, including the acceptable-use rules above. Where reasonably possible, we'll try to give you notice first.

Disclaimer of warranties

The Service is provided "as is" and "as available," without warranties of any kind, express or implied. We don't guarantee the Service will be uninterrupted, error-free, or available at all times, and we don't warrant the accuracy of any calculation, total, or figure it displays.

Limitation of liability

To the fullest extent permitted by law, we are not liable for any indirect, incidental, or consequential damages arising from your use of the Service, including any financial decision made based on data stored in it. Nothing in these Terms limits any liability that cannot legally be limited or excluded.

Governing law

These Terms are governed by the laws of Portugal, without regard to its conflict-of-law rules. Any dispute not otherwise resolved will be subject to the exclusive jurisdiction of the courts of Portugal.

Changes to these Terms

If we make material changes to these Terms, we will update the "Last updated" date above and, where appropriate, notify you directly.

Contact

Questions about these Terms: info@otterbond.app.