Terms of Service

Effective Date: 2025-03-25

Welcome to Bills! These Terms of Service ("Terms") govern your access to and use of the Bills web application (the "Service") provided by G2S Apps ("we," "us," or "our"). By using the Service, you agree to be bound by these Terms.

If you do not agree to these Terms, please do not use the Service.

1. Description of Service

Bills is a comprehensive personal finance management tool that allows users to manage and review their financial transactions. Core features include:

Manual import of transactions using OFX or CSV files
Automatic bank integration via third-party provider Plaid for Pro tier subscribers
Bill tracking and management for recurring payments and due dates
Invoice generation for business users (Pro and Accountant tiers)
Tax reporting and categorization for simplified tax preparation
Wallet sharing for collaborative financial management
Money box tracking for savings goals and financial planning
Optional accountant data sharing when accounts are created through accountant referral links

2. Account Registration and Eligibility

2.1 Account Creation

To use the Service, you must:

Be at least 16 years of age
Provide accurate and complete registration information
Maintain the security and confidentiality of your account credentials
Accept responsibility for all activities under your account

2.2 Account Types and Plans

Bills offers multiple subscription tiers:

Free Plan: Basic transaction management
Start Plan: Includes bill tracking and expanded features
Pro Plan: Full feature access including bank connections and invoicing
Accountant Plan: Professional tools for accounting firms and their clients

2.3 Account Verification

We may require verification of your identity or other information before providing access to certain features.

3. Subscription Terms and Billing

3.1 Paid Subscriptions

Subscription fees are billed in advance according to your selected billing period
All fees are non-refundable except as expressly stated in these Terms
We may change subscription fees with 30 days' advance notice
You may cancel your subscription at any time through your account settings

3.2 Free Trials

Paid plans may include a free trial period as specified during signup
We may require payment information to start a trial
If you don't cancel before the trial ends, you'll be charged for the subscription
We reserve the right to modify or discontinue free trials at any time

3.3 Automatic Renewal

Subscriptions automatically renew at the end of each billing period
Cancellation takes effect at the end of your current billing period

4. Data Import and Third-Party Services

4.1 Manual Import

You may upload financial data using supported file formats (OFX, CSV)
You are solely responsible for the accuracy and completeness of uploaded data
We are not liable for data loss or corruption during the import process

4.2 Bank Integration via Plaid

For Pro tier subscribers, you can connect bank accounts through Plaid. By using this feature:

You authorize Plaid to access your financial institution accounts on your behalf
You acknowledge that we rely on Plaid for data accuracy and connectivity
Issues related to bank connectivity should be directed to Plaid or your financial institution
We are not responsible for bank connectivity interruptions or data quality issues
You can disconnect bank accounts at any time through your account settings

4.3 Data Accuracy Disclaimer

While we strive to maintain data integrity, we cannot guarantee the accuracy of imported financial data and recommend regular verification against your official bank statements.

5. Accountant and Data Sharing

5.1 Accountant Access

If you create your account using an accountant's referral link:

Your transaction data will be automatically shared with that accountant
This sharing continues until you revoke access or close your account
Shared data includes transactions, categorizations, and generated reports
To revoke accountant access, contact support@g2s.app

5.2 Wallet Sharing

You may share wallet access with other users by:

Sending invitations through the Service
Managing permissions and access levels
Revoking access at any time through your account settings

6. User Responsibilities and Prohibited Uses

6.1 Acceptable Use

You agree to use the Service only for its intended purpose of personal or business financial management.

6.2 Prohibited Activities

You may not:

Use the Service for illegal activities or fraud
Attempt to gain unauthorized access to other users' accounts
Reverse engineer, modify, or create derivative works of the Service
Use automated tools to access the Service without permission
Upload malicious code or attempt to disrupt the Service
Violate any applicable laws or regulations

6.3 Data Security

You are responsible for:

Maintaining the confidentiality of your login credentials
Notifying us immediately of any suspected security breaches
Using the Service in accordance with applicable data protection laws

7. Intellectual Property

7.1 Service Ownership

The Service, including all software, designs, text, graphics, and other content, is owned by G2S Apps and protected by copyright, trademark, and other intellectual property laws.

7.2 User Content

You retain ownership of financial data you upload to the Service
You grant us a limited license to process and display your data as necessary to provide the Service
We do not claim ownership of your financial information

7.3 Feedback

Any feedback, suggestions, or ideas you provide about the Service may be used by us without compensation or attribution.

8. Privacy and Data Protection

Your privacy is important to us. Please review our Privacy Policy for information on how we collect, use, and protect your personal information.

9. Service Availability and Support

9.1 Service Availability

We strive to maintain 99.9% uptime but cannot guarantee uninterrupted service
Scheduled maintenance will be announced in advance when possible
We are not liable for service interruptions beyond our reasonable control

9.2 Customer Support

Free plan users receive community support
Paid plan users receive priority email support
Support is provided in English and Portuguese during standard business hours

10. Limitation of Liability

10.1 Service Disclaimer

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

10.2 Limitation of Damages

To the fullest extent permitted by law, G2S Apps and its affiliates shall not be liable for:

Indirect, incidental, special, consequential, or punitive damages
Loss of data, profits, revenue, or business opportunities
Service interruptions or security breaches
Issues related to third-party services such as Plaid
Any damages exceeding the amount you paid for the Service in the 12 months preceding the claim

10.3 Maximum Liability

Our total liability for any claim arising from these Terms or the Service shall not exceed the amount you paid for the Service in the 12 months immediately preceding the claim.

11. Indemnification

You agree to indemnify and hold harmless G2S Apps from any claims, damages, losses, or expenses arising from:

Your use of the Service
Your violation of these Terms
Your violation of any third-party rights
Your uploaded content or data

12. Termination

12.1 Termination by You

You may terminate your account at any time by:

Canceling your subscription through account settings
Contacting support to close your account
Requesting data deletion in compliance with applicable privacy laws

12.2 Termination by Us

We may suspend or terminate your account if you:

Violate these Terms or our policies
Engage in fraudulent or illegal activities
Fail to pay subscription fees
Pose a security risk to the Service or other users

12.3 Effect of Termination

Upon termination:

Your access to the Service will cease immediately
We may delete your account and data according to our data retention policy
You remain liable for any outstanding fees
Termination does not affect any rights or obligations that arose before termination

13. Dispute Resolution

13.1 Informal Resolution

Before filing any formal claim, you agree to contact us at support@g2s.app to seek an informal resolution.

13.2 Binding Arbitration

Any disputes that cannot be resolved informally shall be resolved through binding arbitration in British Columbia, Canada, under the rules of the British Columbia International Commercial Arbitration Centre.

13.3 Class Action Waiver

You agree to resolve disputes on an individual basis and waive any right to participate in class action lawsuits or class-wide arbitration.

14. Changes to Terms

14.1 Modification Right

We reserve the right to modify these Terms at any time. Changes will be effective upon posting to our website or notification through the Service.

14.2 Notification

For material changes, we will provide at least 30 days' advance notice via:

Notification within the Service
Posting on our website

14.3 Continued Use

Your continued use of the Service after changes take effect constitutes acceptance of the modified Terms.

15. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of British Columbia, Canada. Any legal proceedings relating to these Terms shall be subject to the exclusive jurisdiction of the courts of British Columbia, Canada.

16. Miscellaneous

16.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and G2S Apps regarding the Service.

16.2 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall remain in full force and effect.

16.3 Assignment

You may not assign your rights under these Terms without our written consent. We may assign our rights and obligations without restriction.

16.4 Force Majeure

We are not liable for any failure to perform our obligations due to causes beyond our reasonable control, including natural disasters, government actions, or internet outages.

17. Contact Information

If you have any questions about these Terms or need to contact us regarding your account, please reach out to:

📧 support@g2s.app

For urgent matters, please include "Urgent - Terms of Service" in the subject line of your email.

Thank you for using Bills!