Terms

BilliPaid Terms of Use

Effective September 22, 2026

In short

  • BilliPaid does not pay your bills or move money. Marking something paid, or turning on Autopay in BilliPaid, only changes what the app shows.
  • You are solely responsible for paying your bills on time and for keeping the amounts, balances, rates, and dates in BilliPaid accurate.
  • Reminders may be late or may not arrive at all. Don't rely on them as your only way of remembering a payment.
  • Simulator results and payoff projections are estimates, not financial advice.
  • Your data stays on your device and your iCloud. Keep your own backups; lost data can't be recovered by us.
  • BilliPaid is provided as is, and we are not liable for late fees, interest, credit damage, or any other loss connected to using it.

This summary is for convenience. The full Terms below are what apply.

1. Agreement to These Terms

These Terms of Use ("Terms") are an agreement between you and the developer of BilliPaid ("we", "us", "our"). By downloading, installing, or using BilliPaid (the "App"), you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, do not use the App and delete it from your device.

These Terms add to, and do not replace, Apple's Licensed Application End User License Agreement (the "Apple EULA") that applies to apps obtained from the App Store. If these Terms and the Apple EULA conflict, the provision that gives us greater protection applies to the extent permitted by law.

If you are under 18, or under the age of majority where you live, you may use the App only with the involvement and consent of a parent or legal guardian, who agrees to these Terms on your behalf.

2. What BilliPaid Is

BilliPaid is a personal planning and record-keeping tool. It lets you enter your own bills, credit cards, balances, interest rates, income, and due dates, and then organizes, displays, and performs calculations on the information you enter. Everything the App shows is based entirely on information you provide.

Using the App is voluntary. It is a tool you choose to use to help organize your own finances; it does not manage your finances for you.

3. What BilliPaid Does NOT Do

BilliPaid does not, and cannot:

  • pay any bill, make any payment, or transfer, send, or hold any money;
  • connect to, read from, or act on any bank, credit card, loan, or other financial account;
  • communicate with your creditors, billers, card issuers, or banks on your behalf;
  • verify that any balance, amount due, minimum payment, interest rate (APR), due date, or other information is correct or current;
  • report anything to credit bureaus, or protect or improve your credit score.

Marking a bill or card payment as "paid" in the App only records a note for your own reference. It does not make or confirm a payment.

The "Autopay" option in the App does not set up or make automatic payments. It only tells the App to mark a payment as paid on its date so the App matches an automatic payment you have arranged separately and directly with your biller, card issuer, or bank. If no such arrangement exists, or it fails, is cancelled, or is for a different amount, no payment is made, even though the App may show the bill as paid.

4. Your Responsibilities

You are solely and fully responsible for:

  • paying all of your bills, debts, and obligations in full and on time;
  • entering accurate information and keeping it up to date, including balances, amounts, minimum payments, interest rates, and due dates, which change over time and which the App cannot update for you;
  • checking all amounts and dates against the statements and notices from your creditors and billers, which are always the authoritative source;
  • any automatic payments you set up with third parties, and making sure they actually occur;
  • every financial decision you make, whether or not it is based on anything shown in the App.

Information in the App can become outdated or wrong, for example if you do not update it, if a creditor changes your terms, or because of an error in the App. You must not rely on the App as your only record of what you owe or when it is due.

5. Not Financial Advice

The Payment Simulator, payoff projections, interest and savings estimates, suggested payment allocations (such as the avalanche method), and every other calculation in the App are estimates for general planning and illustration only. They rely on simplified assumptions and on the information you enter, and they may not match how your creditors actually calculate interest, fees, minimum payments, or payoff dates. Actual results can differ significantly.

Nothing in the App is financial, investment, credit, tax, accounting, or legal advice, or a recommendation to take or avoid any action. No advisory, fiduciary, or professional relationship is created between you and us. Consider consulting a qualified professional before making financial decisions.

6. Reminders and Notifications

Reminders are an optional convenience. They depend on your device, iOS, your notification permissions and settings, Focus modes, the date and time settings of your device, the accuracy of the information you entered, and on the App being opened from time to time. They may be delayed, may show outdated information, or may not be delivered at all.

Do not rely on the App's reminders as your only way of remembering a payment. We are not responsible for any payment you miss or make late, whether or not a reminder was expected, scheduled, or delivered.

7. Your Data, Backups, and Security

Your information is stored on your device and, if you use iCloud, in your own iCloud account through Apple. We do not collect, receive, store, or have access to your data. See our Privacy Policy for details.

Because we never hold your data, we cannot recover it. Data can be lost or damaged, for example through device loss or failure, deleting the App, iCloud or sync problems, software updates, or errors in the App. You are responsible for keeping your own backups. If you create an encrypted backup, the password cannot be recovered or reset by anyone; if you lose it, that backup cannot be restored.

App Lock (Face ID, Touch ID, or passcode) and the other privacy features are conveniences that reduce casual access to the App. They are not a guarantee against unauthorized access, and you are responsible for the security of your device.

8. No Warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE", WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. WE DISCLAIM ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND QUIET ENJOYMENT. WE DO NOT WARRANT THAT THE APP OR ANY CALCULATION, PROJECTION, OR REMINDER WILL BE ACCURATE, COMPLETE, TIMELY, RELIABLE, SECURE, UNINTERRUPTED, OR ERROR-FREE, OR THAT ANY DEFECT WILL BE CORRECTED. YOU USE THE APP AT YOUR OWN RISK.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, IN NO EVENT WILL WE BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OR COST OF ANY KIND, INCLUDING LATE FEES, PENALTY INTEREST OR PENALTY APRS, INTEREST CHARGES, OVERDRAFT OR RETURNED-PAYMENT FEES, COLLECTION COSTS, DAMAGE TO YOUR CREDIT SCORE OR CREDIT HISTORY, LOSS OF SERVICE, LOSS OF DATA, OR LOSS OF MONEY, ARISING OUT OF OR RELATING TO: YOUR USE OF OR INABILITY TO USE THE APP; ANY INFORMATION, CALCULATION, ESTIMATE, PROJECTION, OR REMINDER IN THE APP, OR ANY REMINDER NOT DELIVERED; ANY PAYMENT YOU MAKE, MISS, OR MAKE LATE; OR ANY DECISION YOU MAKE — WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, AND EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE APP WILL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID US FOR THE APP IN THE TWELVE MONTHS BEFORE THE CLAIM AROSE, OR TEN U.S. DOLLARS (US $10).

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU. IN THAT CASE, OUR LIABILITY IS LIMITED TO THE SMALLEST AMOUNT PERMITTED BY LAW.

10. Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless us and our affiliates, contractors, and agents from any claims, losses, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or relating to your use of the App, the information you enter into it, your financial decisions, or your violation of these Terms.

11. Third-Party Services

The App relies on services provided by Apple, including iOS, iCloud, notifications, and Face ID. Those services are governed by Apple's own terms, and we are not responsible for their availability, performance, or security.

12. Changes to the App and These Terms

We may change, suspend, or discontinue any part of the App at any time, without notice. We may update these Terms from time to time. When we make a material change, the App will ask you to review and accept the updated Terms. If you do not accept them, you must stop using the App. Continuing to use the App after updated Terms take effect means you accept them.

13. Apple

These Terms are between you and us, not Apple. Apple is not responsible for the App or its content, has no obligation to provide maintenance or support for it, and, to the maximum extent permitted by law, has no warranty obligation with respect to it. Apple is not responsible for addressing any claim by you or any third party relating to the App, including product liability claims, claims that the App fails to conform to legal or regulatory requirements, consumer protection claims, or intellectual property claims. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you. You confirm that you are not located in a country subject to a U.S. Government embargo and are not on any U.S. Government list of prohibited or restricted parties.

14. General

If any provision of these Terms is found to be unenforceable, it will be enforced to the maximum extent permissible and the remaining provisions will remain in full effect. Our failure to enforce any provision is not a waiver of it. These Terms, together with the Apple EULA and our Privacy Policy, are the entire agreement between you and us about the App. Sections 3 through 10, 13, and 14 survive any termination of your use of the App.

15. Contact

Questions about these Terms can be sent through the contact information at www.billipaid.com.