Terms of Service — Snap a Bill

The short version: Snap a Bill helps you track bills and remember due dates, but it's a record-keeping tool — not a payment service, and not financial or tax advice. Always verify scanned amounts and dates, keep your own backups, and pay your bills on time; those remain your responsibility.

1. Acceptance of these terms

These terms are an agreement between you and Oli, the developer of Snap a Bill ("we", "us"). By installing or using the Snap a Bill iOS app, or by using this website, you agree to them. If you don't agree, please don't use the app.

2. What Snap a Bill is

Snap a Bill is a bill-tracking tool: it reads bills you photograph or import, stores them on your device, reminds you before due dates, and exports your records as CSV or PDF. It does not pay bills, move money, connect to your bank, or file taxes. It provides record-keeping assistance only, and nothing in the app or on this site is financial, tax, accounting or legal advice.

3. Your license

We grant you a personal, non-exclusive, non-transferable, revocable license to use Snap a Bill on Apple devices that you own or control, in accordance with Apple's Media Services Terms and Conditions (including the usage rules in Apple's standard Licensed Application End User License Agreement). You may not copy, modify, distribute, sell, lease, reverse-engineer or extract the source code of the app, except where the law expressly permits it despite this restriction.

4. Beta software

Snap a Bill is currently distributed as a pre-release beta through Apple TestFlight. Beta software may contain bugs, may change substantially between versions, and — despite our best efforts — could lose data. Export backups regularly. TestFlight use is also governed by Apple's TestFlight terms.

5. Scanning accuracy & reminders

Automatic extraction of vendors, amounts and dates is genuinely useful and genuinely imperfect. It can misread a bill — that's why the app asks you to confirm every scanned field before saving. You are responsible for verifying that saved amounts and due dates are correct.

Reminders are local notifications delivered by iOS on a best-effort basis. They can be missed for reasons outside the app's control — notification permission turned off, Focus modes, Low Power mode, the device being off, or the app being deleted. Reminders are a convenience, not a guarantee: the obligation to pay your bills on time remains entirely yours, including any late fees, interest or consequences of a missed payment.

6. Your responsibilities

Verify scanned data before relying on it;
Pay your bills — the app reminds, it does not pay;
Keep backups: your data is stored on your device and we keep no cloud copy of it (if iCloud Backup is on, iOS includes it in your own private iCloud backup, which only you control), so export CSV/PDF copies on a schedule that matches how much you'd mind losing them;
Keep your device secured (passcode, up-to-date iOS) — anyone with access to your unlocked device can see your bills;
Only scan documents you have the right to keep and process.

7. Future paid features

The app is currently free. If a paid tier is introduced, it will be offered through Apple's in-app purchase system under terms presented at the time of purchase, and these terms will be updated accordingly. Features that are free today may become part of a paid tier in the future, though we intend the core bill-tracking loop to remain usable.

8. Intellectual property

The app, this website, and their design, code and content are owned by us and protected by copyright and other laws. Your bills and everything you create in the app are yours — we claim no rights over your content and, as described in the privacy policy, we never receive a copy of it.

9. Acceptable use

Don't use the app or this website unlawfully, don't attempt to circumvent technical limitations, and don't use them to infringe anyone else's rights. That's the whole list.

10. Disclaimer of warranties

The app and this website are provided "as is" and "as available", without warranties of any kind, express or implied — including fitness for a particular purpose, merchantability, and non-infringement — to the maximum extent permitted by law. We do not warrant that the app will be error-free, uninterrupted, or that scanned data will be accurate. Some jurisdictions do not allow certain warranty exclusions, so parts of this section may not apply to you.

11. Limitation of liability

To the maximum extent permitted by law, we will not be liable for indirect, incidental, special or consequential damages, or for lost profits, lost data, missed payments, late fees, penalties or interest, arising out of or related to your use of the app or this website. Our total aggregate liability for any claim will not exceed the greater of the amount you paid us for the app in the twelve months before the claim and CAD $50. Nothing in these terms excludes liability that cannot be excluded under applicable law.

12. Apple App Store terms

The app is distributed through Apple's App Store and TestFlight. Apple has no obligation to provide maintenance or support for the app and is not responsible for addressing any claims relating to it — those are ours. Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them against you. In case of conflict between these terms and Apple's Licensed Application End User License Agreement, Apple's terms prevail for matters they govern.

13. Termination

You can stop using the app at any time by deleting it — that also deletes its data from your device. We may terminate or suspend the license if you materially breach these terms. Sections that by their nature should survive (including disclaimers, limitation of liability and governing law) survive termination.

14. Changes to these terms

We may update these terms as the app evolves — for example, when paid features ship. The effective date above will be revised, and material changes will be called out in the app's release notes. Continuing to use the app after a change means you accept the updated terms.

15. Governing law

These terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable in it, without regard to conflict-of-law rules. Disputes will be resolved in the courts of Ontario, Canada — though we'd much rather you email us first; most things are fixable.

16. Contact

Questions about these terms: [email protected].