Terms of Service

1. Acceptance of Terms

By accessing and using Payble’s website and services, you agree to comply with and be bound by these Terms of Serviceand our Privacy Policy. If you do not agree with any part of these terms, you must stop using the service.

2. Changes to Terms

We reserve the right to modify these terms at any time. When changes are made, we will notify you via email or an in-app notification. It is your responsibility to review these terms periodically. Continued use of Payble after modifications indicates your acceptance of the updated terms.

3. Account Registration

3.1 Eligibility

To use Payble, you must be at least 18 years old or have reached the legal age of majority in your country.

3.2 Account Information

When creating an account, you agree to provide accurate, up-to-date information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account. If you suspect any unauthorized use, you must notify us immediately.

4. Subscription and Payments

4.1 Free Plan

Payble offers a free plan with limited features, allowing you to access basic services like single-account tracking and basic budgeting tools.

4.2 Paid Plans

For advanced features such as multi-account sync, AI insights, and automated savings, you can subscribe to our Plus or Premium plans. Subscription fees are billed monthly or annually, depending on your selection.

4.3 Billing

When subscribing to a paid plan, you authorize Payble to charge your provided payment method on a recurring basis. You may update your payment information at any time through your account settings.

4.4 Cancellations and Refunds

You can cancel your subscription at any time through your account settings. Upon cancellation, your access to paid features will remain active until the end of the billing period. Refunds are subject to our Refund Policy, and refunds are not provided for partially used billing periods.

5. Use of Service

5.1 License

We grant you a non-exclusive, non-transferable license to access and use Payble solely for personal, non-commercial purposes in accordance with these terms.

5.2 Prohibited Activities

You agree not to:

• Use Payble for illegal or unauthorized purposes.

• Attempt to hack, reverse-engineer, or modify any part of the service.

• Impersonate another person or misrepresent your affiliation with Payble.

• Use any automated means (e.g., bots or scrapers) to access Payble without our prior consent.

5.3 Suspension or Termination

We reserve the right to suspend or terminate your account if we detect any violation of these terms, fraudulent activity, or misuse of our services. You may also terminate your account at any time by contacting our support team.

6. Data and Privacy

6.1 Data Collection

By using Payble, you consent to the collection and use of your personal information as outlined in our Privacy Policy. This includes collecting data from your financial institutions for tracking and insights purposes.

6.2 Security

We prioritize data security and use encryption and other protective measures to safeguard your information. However, no method of data transmission over the internet is 100% secure, and we cannot guarantee absolute security.

7. Intellectual Property

All content, design elements, trademarks, and other materials available on Payble are the property of Payble or its licensors. You may not reproduce, modify, or distribute any content without our express written consent.

8. Third-Party Links and Services

Payble may contain links to third-party websites or services. We do not endorse or assume any responsibility for the content or practices of third-party sites. You access them at your own risk and should review their respective terms and privacy policies.

9. Disclaimers

9.1 No Financial Advice

Payble provides tools and insights to help you manage your finances, but we do not offer financial, tax, or legal advice. You should consult a professional before making any significant financial decisions.

9.2 Service Availability

While we strive to ensure uninterrupted access to Payble, we do not guarantee that the service will always be available, error-free, or secure. Service interruptions may occur due to maintenance, system upgrades, or unforeseen technical issues.

9.3 Disclaimer of Warranties

Payble is provided on an "as is" and "as available" basis without warranties of any kind, either express or implied. We disclaim all warranties, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

10. Limitation of Liability

To the fullest extent permitted by law, Payble and its affiliates will not be liable for any indirect, incidental, special, or consequential damages arising from your use of the service, including but not limited to loss of profits, data, or other intangible losses, even if we have been advised of the possibility of such damages.

In no event will Payble’s total liability for any claims exceed the amount you paid to us in the last 12 months for the services provided.

11. Governing Law

These terms are governed by and construed in accordance with the laws of [Insert Country/State], without regard to its conflict of laws principles. Any legal disputes related to these terms will be resolved exclusively in the courts of Great Britain.

12. Contact Us

If you have any questions or concerns about this Privacy Policy or our data practices, please contact us at:
Email: email@payble.com
Address: 42 Market Avenue Westminster London W1B 4DE United Kingdom

13. Entire Agreement

These Terms of Service, along with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Payble regarding your use of the service. Any prior agreements, communications, or understandings are superseded by these terms.

By using Payble, you acknowledge that you have read, understood, and agree to these terms.