Terms of Service
These Terms of Service ("Terms") govern your access to and use of PayPixel ("Service"), operated by Chris Nickel ("we", "us", or "our"). By creating an account or using the Service you agree to be bound by these Terms.
1. The Service
PayPixel is a personal budgeting tool that helps you allocate household expenses across paycheques. The Service is provided on a subscription basis with a free tier and a paid tier.
2. Your Account
You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. You must be at least 18 years old to use the Service. You agree to provide accurate information and to keep it up to date.
3. Subscriptions and Payment
The free tier is available at no cost subject to the limits described on our pricing page. Paid subscriptions are billed monthly through Stripe. You may cancel at any time; cancellation takes effect at the end of the current billing period. We reserve the right to change pricing with 30 days' notice.
4. Your Data
You own the budget data you enter into the Service. We store it to provide the Service and do not sell it to third parties. We may access your data to provide support or investigate abuse. See our Privacy Policy for full details. We use commercially reasonable measures to protect your data but cannot guarantee absolute security.
5. Acceptable Use
You agree not to: use the Service for any unlawful purpose; attempt to gain unauthorised access to any part of the Service; interfere with or disrupt the Service or its infrastructure; or resell or sublicense access to the Service.
6. Household Membership
The Service allows you to share a household budget with other users you invite. You are responsible for who you invite. Household owners control member access and may remove members at any time. Invited members act within the permissions granted by the owner.
7. Disclaimers
The Service is provided "as is" and "as available" without warranties of any kind, express or implied. PayPixel is a planning tool — it does not constitute financial advice. We do not warrant that the Service will be uninterrupted or error-free.
8. Limitation of Liability
To the maximum extent permitted by applicable law, we will not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Service, even if we have been advised of the possibility of such damages. Our total liability to you for any claim arising from these Terms or the Service will not exceed the amount you paid us in the 12 months preceding the claim.
9. Termination
You may close your account at any time. We may suspend or terminate your account if you violate these Terms, with or without notice. Upon termination, your data will be deleted in accordance with our data retention policy. Paid subscription fees are non-refundable except where required by law.
10. Changes to These Terms
We may update these Terms from time to time. We will notify you by email or by posting a notice in the Service at least 14 days before changes take effect. Continued use of the Service after the effective date constitutes acceptance of the updated Terms.
11. Governing Law
These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles. Any disputes will be resolved in the courts of Ontario.
12. Contact
Questions about these Terms? Contact us at chris@nckl.ca.
