Terms of Service

Last updated: April 2026

Welcome to IHAB ("I Have a Budget"). These Terms of Service ("Terms") govern your use of the IHAB web application at ihab.io (the "Service"), operated by [Legal Entity Name] ("IHAB," "we," "us," or "our").

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

1. Service Description

IHAB is a web-based personal finance budgeting tool. The Service allows you to:

• Input your income and track recurring expenses
• Create a zero-based budget using a month-centric allocation model
• Set up scheduled savings goals and non-monthly expense planning
• View cash flow projections and debt-to-income ratios
• Optionally connect to Sequence.io for automated money movement

IHAB is a budgeting tool. It does not provide financial advice, investment recommendations, or tax guidance. You should consult a qualified financial advisor for personalized financial decisions.

2. Account Registration and Security

To use the Service, you must sign in using Google Single Sign-On (SSO). By signing in, you authorize us to access your Google profile name, email address, and profile photo for account identification purposes.

You agree to:

• Keep your Google account credentials secure
• Notify us immediately of any unauthorized access to your IHAB account
• Not share your IHAB-generated API keys with unauthorized parties
• Provide accurate financial data for your own budgeting purposes

You are responsible for all activity that occurs under your account.

3. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose
• Attempt to gain unauthorized access to other users' data or our systems
• Interfere with or disrupt the Service or its infrastructure
• Reverse engineer, decompile, or disassemble any part of the Service
• Use automated scripts to access the Service except through our documented API
• Resell, sublicense, or redistribute the Service
• Use the Service to store data unrelated to personal financial budgeting

We reserve the right to suspend or terminate accounts that violate these Terms.

4. Subscription Terms

4.1 Free Tier

IHAB offers a free tier that includes unlimited recurring expense tracking, debt-to-income ratio calculations, monthly budget view, and GDPR data export. The free tier is available indefinitely at no cost.

4.2 Free Trial

New users receive a 14-day free trial of premium features. No credit card is required to start the trial. When the trial ends, your account reverts to the free tier. You will not be charged unless you explicitly subscribe.

4.3 Premium Subscription

Premium features are available on a subscription basis at the following rates:

• Monthly: $5 per month
• Annual: $40 per year (equivalent to ~$3.33/month)

Premium features include: unlimited expense items, scheduled set-asides (goals and non-monthly expenses), cash flow projections, Sequence.io integration, and API access.

We reserve the right to change subscription pricing. Existing subscribers will receive at least 30 days' notice before any price change takes effect on their account.

4.4 Billing

All payments are processed by Stripe. Subscriptions are billed in advance on a recurring basis (monthly or annually, depending on your chosen plan). Your payment method will be charged automatically at the start of each billing cycle.

If a payment fails, we will attempt to notify you and may retry the charge. If payment remains unsuccessful, your premium access may be suspended until the payment issue is resolved.

4.5 Cancellation

You may cancel your subscription at any time through Settings > Manage Billing in the app, which opens the Stripe billing portal. Upon cancellation:

• Your premium access continues through the end of the current billing period
• Your account reverts to the free tier when the billing period ends
• Your financial data is preserved and remains accessible under free-tier limits

4.6 Refunds

We do not offer prorated refunds for partial billing periods. If you cancel mid-cycle, you retain premium access until the end of the period you have already paid for. Refund requests for exceptional circumstances may be directed to support@ihab.io.

5. Data Handling

Your financial data is stored in Google Cloud Firestore and encrypted at rest. We take data security seriously and implement industry-standard protections, including:

• API keys hashed with SHA-256 (never stored in plaintext)
• Plaid tokens encrypted with AES-256-GCM
• Firestore security rules that restrict access to your own data

For full details on how we collect, store, and use your data, please review our Privacy Policy.

You may export all of your data in JSON format or delete your account and all associated data at any time through the Settings page. Account deletion is permanent and cannot be undone.

6. Third-Party Services

The Service integrates with the following third-party providers. Your use of these integrations is subject to their respective terms:

• Stripe (terms) -- Processes all subscription payments. We never see or store your full credit card number.
• Sequence.io (website) -- Optional integration for automated money movement. When enabled, IHAB sends transfer amounts to Sequence. IHAB does not initiate or control the actual movement of funds. Sequence operates under its own terms and regulatory obligations.
• Google Cloud / Firebase (terms) -- Provides authentication (Google SSO), database (Firestore), and hosting infrastructure.
• Plaid (terms) -- Optional bank account linking (currently backend-only; not yet available in the user interface).

We are not responsible for the availability, accuracy, or conduct of any third-party service.

7. Intellectual Property

The Service, including its design, code, features, and documentation, is the property of [Legal Entity Name] and is protected by applicable intellectual property laws. You may not copy, modify, or distribute any part of the Service without our written permission.

Your data is yours. You retain full ownership of the financial data you enter into IHAB. We claim no ownership rights over your data. You may export or delete it at any time.

8. Limitation of Liability

IHAB is provided "as is" and "as available" without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that:

• The Service will be uninterrupted or error-free
• Budget calculations will be accurate in all circumstances
• Sequence.io transfers will execute correctly or on time
• Connected bank data (via Plaid) will be accurate or up to date

To the maximum extent permitted by applicable law, [Legal Entity Name] and its officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or financial losses arising from:

• Your use of or inability to use the Service
• Errors in budget calculations or allocation recommendations
• Failed, delayed, or incorrect Sequence.io transfers
• Unauthorized access to your account
• Any third-party service outage or failure

Our total aggregate liability for any claims arising from your use of the Service shall not exceed the amount you have paid us in the [twelve (12) / six (6)] months preceding the claim, or [$50 / $100], whichever is greater.

9. Indemnification

You agree to indemnify and hold harmless [Legal Entity Name], its officers, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorney fees) arising from your use of the Service or violation of these Terms.

10. Termination

We may suspend or terminate your access to the Service at any time, with or without cause, upon reasonable notice. Reasons for termination may include violation of these Terms, abusive behavior, or prolonged inactivity.

Upon termination, you may request a data export before your data is deleted. If you are a paying subscriber, cancellation of your subscription follows the process described in Section 4.5.

You may delete your account at any time through Settings. Account deletion is immediate and permanent.

11. Governing Law and Disputes

These Terms shall be governed by and construed in accordance with the laws of the State of [___], United States, without regard to its conflict of law provisions.

Any disputes arising from these Terms or the Service shall be resolved through [binding arbitration / courts of competent jurisdiction in ___]. You agree to attempt to resolve disputes informally by contacting support@ihab.io before initiating any formal proceedings.

12. Changes to These Terms

We may update these Terms from time to time. When we make changes, we will update the "Last updated" date at the top of this page. For material changes, we will make reasonable efforts to notify you (for example, by email or an in-app notice).

Your continued use of the Service after changes are posted constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, you should stop using the Service and cancel your subscription.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will continue in full force and effect.

14. Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and [Legal Entity Name] regarding your use of the Service.

15. Contact

If you have questions about these Terms, contact us at:

Email: support@ihab.io