Terms of Service
Effective date: June 15, 2026
These Terms of Service (“Terms”) are a binding agreement between you and AfterPenny (“AfterPenny,” “we,” “us,” or “our”) governing your use of the AfterPenny personal finance application and related services (the “Service”).
By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.
Plain-language summary: AfterPenny is a personal budgeting and forecasting tool to help you organize your money. It is not a bank, a financial advisor, or a money- transfer service, and it does not move money on your behalf. Numbers and forecasts are estimates to inform your own decisions — not financial advice.
1. Eligibility
You must be at least 16 years old (or the age of majority in your jurisdiction, if higher) to use the Service. By using the Service, you represent that you meet this requirement and that the information you provide is accurate.
2. Your account
- You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account.
- You agree to provide accurate information and to keep it up to date.
- Notify us promptly at bucketlister.app+afterpenny@gmail.com if you suspect unauthorized use of your account.
3. The Service
AfterPenny lets you track accounts, balances, budgets, goals, and transactions — entered manually, imported from files (CSV, OFX/QFX, Excel), or, if you choose, synced from a linked financial account via Stripe Financial Connections.
Not financial advice. The Service provides tools, calculations, and forecasts for informational purposes only. It is not financial, investment, tax, accounting, or legal advice. You are solely responsible for your financial decisions. Forecasts and projections are estimates based on available data and may be inaccurate or incomplete.
No money movement. AfterPenny does not hold, transfer, or move funds. It is not a bank, broker, or payment service.
4. Linked accounts (Stripe Financial Connections)
If you connect a bank or financial account, that connection is established through Stripe, and you enter your bank credentials directly with Stripe — not with AfterPenny. Your use of that feature is also subject to Stripe’s applicable terms and end-user agreements. We are not responsible for the accuracy, availability, or timeliness of data provided by third-party institutions or by Stripe. Connected-account data may be delayed, incomplete, or unavailable, and you should not rely on it as a complete or real-time record.
5. Subscriptions and billing
Some features require a paid subscription. Payments are processed by Stripe; we do not store your full card details.
- Paid plans renew automatically for the applicable period until canceled.
- You can cancel at any time; cancellation takes effect at the end of the current billing period, and you retain paid access until then.
- Except where required by law, fees are non-refundable.
- We may change pricing or plan features on a prospective basis with reasonable notice.
6. Acceptable use
You agree not to:
- Use the Service for any unlawful purpose or in violation of these Terms;
- Attempt to gain unauthorized access to the Service, other users’ data, or our systems;
- Interfere with or disrupt the integrity or performance of the Service;
- Reverse engineer, scrape, or copy the Service except as permitted by law; or
- Upload malicious code or content that infringes others’ rights.
7. Your content and data
You retain ownership of the financial data and content you provide. You grant us a limited license to process and store it solely to operate and provide the Service to you, as described in our Privacy Policy. You are responsible for the accuracy of the data you enter or import.
8. Intellectual property
The Service, including its software, design, and content (excluding your data), is owned by AfterPenny and protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your personal, non-commercial use, subject to these Terms.
9. Third-party services
The Service relies on third parties (such as Stripe and, if you use it, identity providers like Microsoft). Your use of those services is governed by their own terms and policies. We are not responsible for third-party services.
10. Disclaimers
THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT ANY DATA OR FORECASTS WILL BE ACCURATE OR COMPLETE.
11. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, AFTERPENNY WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE 12 MONTHS BEFORE THE CLAIM, OR (B) USD $50.
12. Indemnification
You agree to indemnify and hold AfterPenny harmless from any claims, losses, or expenses (including reasonable legal fees) arising from your misuse of the Service or your violation of these Terms or applicable law.
13. Termination
You may stop using the Service and delete your account at any time. We may suspend or terminate your access if you violate these Terms or if necessary to protect the Service or other users. Sections that by their nature should survive termination (including disclaimers, limitation of liability, and indemnification) will survive.
14. Changes to these Terms
We may update these Terms from time to time. When we do, we will revise the “Effective date” above and, where appropriate, provide additional notice. Your continued use of the Service after changes take effect constitutes acceptance of the updated Terms.
15. Governing law
These Terms are governed by the laws of the United States and the state in which the operator of AfterPenny resides, without regard to conflict-of-laws principles, except where otherwise required by applicable law.
16. Contact us
Questions about these Terms: