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Terms of Use

Last updated: August 14, 2026

These Terms of Use (the "Terms") are a binding agreement between You and Noviusoft LLC ("Noviusoft", "We", "Us", or "Our"), the company that operates Payday Planner. They govern Your use of the Payday Planner website at payday-planner.com and the Payday Planner mobile applications for iOS and Android (together, the "Service").

These Terms also serve as the end user license agreement for the Payday Planner mobile applications. Please read them carefully. By creating an account or using the Service, You agree to be bound by them. If You do not agree, do not use the Service.

Definitions

  • Account means the unique account You create to access the Service.

  • Your Data means the information You enter into or upload to the Service, including the financial information described in Our Privacy Policy.

  • Device means any device that can access the Service, such as a computer, phone, or tablet.

  • Feedback means suggestions, ideas, or comments You send Us about the Service.

  • Subscription means a paid, automatically renewing plan that provides access to the Service.

  • You means the individual using the Service, or the entity on whose behalf that individual is acting.

Payday Planner Is Not Financial Advice

Payday Planner is a budgeting and planning tool, not a financial advisor. Nothing in the Service is financial, investment, tax, accounting, or legal advice, and nothing in it is a recommendation to take or refrain from any financial action.

The Service produces forecasts and projections — such as which bills fall in which pay period, what a balance is expected to be on a future date, and how long a loan will take to pay down. These are arithmetic based entirely on the information You enter. They are estimates, not guarantees. They do not account for information You have not entered, for changes You have not recorded, or for anything that happens after You last updated Your Data.

The Service does not connect to Your bank and does not read Your real balances or transactions. It knows only what You type in. If what You type in is incomplete or out of date, the projections will be wrong.

You are solely responsible for Your financial decisions. Verify anything that matters against Your actual bank, lender, and card statements before acting on it. Do not rely on the Service to avoid an overdraft, a late fee, or a missed payment.

Eligibility

You must be at least 13 years old to use the Service. If You are under the age of majority where You live, You may use the Service only with the involvement and consent of a parent or legal guardian, who agrees to these Terms on Your behalf and is responsible for Your use of the Service.

You represent that You are legally capable of entering into a binding contract, and that You are not barred from using the Service under the laws of the United States or any other applicable jurisdiction.

Your Account

You must provide accurate and current information when You create an Account, and keep it up to date. You are responsible for safeguarding Your password and for all activity that occurs under Your Account. We strongly recommend enabling two-factor authentication, which the Service provides.

Notify Us promptly at [email protected] if You believe Your Account has been compromised.

You may not use another person's identity as Your account name, or a name You do not have the right to use. You may not share Your Account credentials with others.

Free Trial

New accounts include a free trial period, currently 30 days, beginning when You create Your Account. No payment method is required to start the trial, and We do not charge You when it ends.

When the trial ends, the Service becomes read-only until You subscribe. Nothing is deleted. You can still open every screen, see all of Your Data, and export it — You simply cannot add to or change it until You subscribe. We may change the length of the free trial for future signups; a change will not shorten a trial already in progress.

Subscriptions and Payment

Billing

Subscriptions are offered on a monthly or annual basis, at the price displayed at the time You subscribe. Subscriptions renew automatically at the end of each billing period until cancelled, and You will be charged at the start of each new period using Your selected payment method.

How You Are Billed Depends on Where You Subscribe

Through Our website or the Android app: payments are processed by Stripe, Inc. We do not receive or store Your full card number. You may manage or cancel Your Subscription through the billing portal linked in the Service.

Through the iOS app: Your purchase is an in-app purchase made through the Apple App Store, and Apple, not Noviusoft, is the seller and merchant of record. Your Subscription is charged to Your Apple Account and is governed by Apple's terms in addition to these Terms. We use RevenueCat, Inc. to verify and manage the status of App Store subscriptions.

Cancellation

You may cancel at any time, and cancellation takes effect at the end of the period You have already paid for. You keep access until then. We do not prorate or refund a partial period.

If You subscribed through the iOS app, You must cancel through Your Apple Account subscription settings — we cannot cancel an App Store subscription for You. Deleting the app does not cancel a Subscription. If You subscribed through Our website or the Android app, You can cancel in the Service or through the billing portal.

Refunds

For purchases made through the iOS app, refunds are handled solely by Apple under Apple's refund policy. We have no ability to issue, approve, or deny a refund for an App Store purchase. Request one through Apple.

For purchases made through Our website or the Android app, if You are unhappy with the Service, contact Us at [email protected] within 14 days of a charge and We will refund that charge. Outside that window, refunds are at Our discretion. Nothing here limits any refund right You have under applicable consumer protection law.

Price Changes

We may change Subscription prices. A price change will not affect the period You have already paid for, and We will give You at least 30 days' notice by email before a new price applies to Your renewals. If You do not accept the new price, You may cancel before it takes effect.

Failed Payments

If a payment fails or Your Account becomes past due, the Service becomes read-only until payment succeeds. We will not delete Your Data because of a failed payment, and You can still view and export it.

Your Data

You Own It

Your Data is Yours. We claim no ownership of it. You grant Us only the limited, non-exclusive license needed to operate the Service for You — to store Your Data, process it, transmit it between Your devices, back it up, and display it back to You. That license exists solely so the Service can function for You, and it ends when You delete Your Data or Your Account.

We do not publish Your Data, sell it, license it to anyone else, use it for advertising, or make it available to other users of the Service. The Service has no public areas, no social features, and no sharing between accounts. How We handle Your Data is described in Our Privacy Policy, which forms part of these Terms.

Export and Deletion

You can export Your Data from the Service at any time, including while Your Subscription is lapsed and the Service is read-only. We do not hold Your own data hostage to a Subscription.

You can delete Your Account and Your Data from within the Service at any time, whether or not You have an active Subscription. See the Privacy Policy for what deletion involves.

Backups

We perform regular backups, but We do not guarantee that data will never be lost or corrupted, and We are not liable for loss of Your Data. Because the Service lets You export Your Data at any time, You are encouraged to keep Your own copy of anything You cannot afford to lose.

Acceptable Use

You agree not to:

  • Use the Service for any unlawful purpose, or to promote unlawful activity.
  • Upload or transmit viruses, worms, malware, or anything else designed to disrupt, damage, or gain unauthorized access to any system or data.
  • Attempt to access another user's account or data, or any part of the Service You are not authorized to access.
  • Probe, scan, or test the vulnerability of the Service, or breach or circumvent its security or authentication measures.
  • Interfere with or place undue load on the Service or its infrastructure, including through automated scraping or excessive API requests.
  • Reverse engineer, decompile, or disassemble any part of the Service, except to the extent applicable law expressly permits it.
  • Resell, sublicense, or provide the Service to third parties as a service of Your own.
  • Impersonate any person or entity, including Noviusoft or its personnel.

We may suspend or terminate Your Account for violating this section.

Connecting Third-Party Applications

The Service offers an authenticated interface that lets You connect third-party applications — including AI assistants and other clients — to Your Account. If You choose to connect one, You are authorizing that application to read and modify Your Data on Your behalf.

Once Your Data reaches a third-party application, it is governed by that application's terms and privacy policy, not Ours, and We have no control over what it does with it. Connect only applications You trust, and review Our Privacy Policy for details. You can revoke an application's access at any time from Your account settings.

Our Intellectual Property

The Service — its software, design, and content, excluding Your Data — is and remains the exclusive property of Noviusoft LLC and its licensors, and is protected by copyright, trademark, and other laws of the United States and other countries. Our name, logo, and trade dress may not be used without Our prior written consent.

Subject to these Terms, We grant You a limited, non-exclusive, non-transferable, revocable license to use the Service for Your personal or internal business purposes.

Copyright Complaints

If You believe material on the Service infringes Your copyright, send a notice under the Digital Millennium Copyright Act to [email protected] including the information required by 17 U.S.C. § 512(c)(3): a signature of the person authorized to act for the copyright owner, identification of the work claimed to be infringed, identification of the material claimed to be infringing and where it is located, Your address, telephone number, and email address, a statement that You have a good faith belief the use is not authorized, and a statement under penalty of perjury that the information is accurate and that You are authorized to act on the owner's behalf.

You may be liable for damages, including costs and attorneys' fees, if You knowingly misrepresent that material is infringing.

Your Feedback

If You send Us Feedback, You grant Us a non-exclusive, perpetual, irrevocable, royalty-free, worldwide license to use it without restriction or compensation. We are not obligated to act on Feedback or to keep it confidential.

Links to Other Sites

The Service may link to third-party websites or services We do not own or control. We are not responsible for their content, policies, or practices, and We encourage You to read the terms and privacy policies of any site You visit.

Termination

You may stop using the Service and delete Your Account at any time. We may suspend or terminate Your Account if You materially breach these Terms, if Your use poses a security or legal risk, or if We are required to by law. Except where immediate action is necessary, We will make reasonable efforts to notify You first and to give You an opportunity to export Your Data.

We may also discontinue the Service. If We do, We will give You at least 30 days' notice by email and an opportunity to export Your Data. For Subscriptions billed through Our website or the Android app, We will refund the unused portion of any period You have prepaid. For Subscriptions purchased through the Apple App Store, We will stop future renewals, but because only Apple can issue refunds for App Store purchases, any refund of a prepaid period must be requested from Apple — We will support that request.

Upon termination, Your right to use the Service ends. Provisions that by their nature should survive termination will survive it.

"AS IS" and "AS AVAILABLE" Disclaimer

The Service is provided "AS IS" and "AS AVAILABLE", with all faults and defects and without warranty of any kind. To the maximum extent permitted by law, We and Our licensors and service providers disclaim all warranties, express, implied, statutory, or otherwise, including all implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement, and any warranties arising from course of dealing or usage of trade.

Without limiting the foregoing, We make no representation or warranty that the Service will meet Your requirements, achieve any intended result, be compatible with any other software or system, operate without interruption, be error-free, or that any errors will be corrected — or that the calculations, forecasts, or projections it produces are accurate, complete, or suitable for any decision You make.

Some jurisdictions do not allow the exclusion of certain warranties or limitations on a consumer's statutory rights, so some or all of these exclusions may not apply to You. In that case they apply to the greatest extent enforceable.

Limitation of Liability

To the maximum extent permitted by law, the total liability of Noviusoft LLC and its suppliers under these Terms, for all claims combined, is limited to the greater of the amount You actually paid Us for the Service in the twelve months before the claim arose, or 100 USD.

To the maximum extent permitted by law, We and Our suppliers will not be liable for any special, incidental, indirect, punitive, or consequential damages whatsoever, including damages for lost profits, lost savings, loss of data, business interruption, overdraft or late-payment charges, damage to credit, or any other financial loss arising out of or related to Your use of or inability to use the Service, even if We have been advised of the possibility of such damages and even if a remedy fails of its essential purpose.

Some states do not allow the exclusion of implied warranties or the limitation of liability for incidental or consequential damages, so some of the above may not apply to You. In those states, liability is limited to the greatest extent permitted by law.

Additional Terms for Applications Obtained from the Apple App Store

This section applies if You obtained the Payday Planner application from the Apple App Store. In the event of a conflict, this section controls.

  • Acknowledgement. These Terms are between You and Noviusoft LLC only, not with Apple Inc. ("Apple"). Noviusoft, not Apple, is solely responsible for the application and its content.

  • Scope of license. The license granted to You for the application is limited to a non-transferable license to use it on any Apple-branded product that You own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions, except that it may be accessed by other accounts associated with You via Family Sharing or volume purchasing.

  • Maintenance and support. Noviusoft is solely responsible for providing maintenance and support for the application. Apple has no obligation whatsoever to furnish any maintenance or support services.

  • Warranty. In the event of any failure of the application to conform to any applicable warranty, You may notify Apple, and Apple will refund the purchase price (if any) for the application. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the application, and any other claims, losses, liabilities, damages, costs, or expenses attributable to any failure to conform to any warranty will be Noviusoft's sole responsibility.

  • Product claims. Noviusoft, not Apple, is responsible for addressing any claims by You or any third party relating to the application or Your possession and use of it, including product liability claims, any claim that the application fails to conform to any applicable legal or regulatory requirement, and claims arising under consumer protection, privacy, or similar legislation.

  • Intellectual property claims. In the event of any third-party claim that the application or Your possession and use of it infringes that third party's intellectual property rights, Noviusoft, not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of that claim.

  • Legal compliance. You represent and warrant that You are not located in a country subject to a U.S. Government embargo or designated by the U.S. Government as a "terrorist supporting" country, and that You are not listed on any U.S. Government list of prohibited or restricted parties.

  • Third-party terms. You must comply with applicable third-party terms of agreement when using the application.

  • Third-party beneficiary. Apple and its subsidiaries are third-party beneficiaries of these Terms, and upon Your acceptance of them, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against You as a third-party beneficiary.

  • Developer contact. Questions, complaints, or claims regarding the application may be directed to [email protected].

Governing Law

The laws of the State of North Carolina and of the United States, excluding their conflicts of law rules, govern these Terms and Your use of the Service. Your use may also be subject to other local, state, national, or international laws.

Dispute Resolution

If You have a concern or dispute about the Service, please contact Us first at [email protected]. Most issues can be resolved that way. If a dispute cannot be resolved informally, You and We agree to the exclusive jurisdiction of the state and federal courts located in North Carolina, except that either party may bring a claim in small claims court.

Severability and Waiver

If any provision of these Terms is held unenforceable or invalid, it will be modified and interpreted to accomplish its objectives to the greatest extent possible under applicable law, and the remaining provisions will continue in full force.

A failure to exercise a right or require performance of an obligation under these Terms does not affect the ability to exercise that right or require that performance later, and waiving a breach does not waive any later breach.

Entire Agreement

These Terms, together with the Privacy Policy, are the entire agreement between You and Us regarding the Service, and supersede any prior agreements on that subject.

Changes to These Terms

We may modify these Terms. If a change is material, We will make reasonable efforts to give You at least 30 days' notice before it takes effect, by email or a prominent notice in the Service, and We will update the "Last updated" date above. What counts as material is determined reasonably and in good faith.

By continuing to use the Service after a change takes effect, You agree to the revised Terms. If You do not agree, stop using the Service and delete Your Account.

Contact Us

Questions about these Terms: