Terms of Service

1. Who we are

UntilPayday ("we", "us") is offered by the seller below. By creating an account you agree to these terms.

2. What UntilPayday is (and isn't)

UntilPayday helps you plan your paychecks, bills and savings and shows how much you can safely spend until your next payday. It's based only on the numbers you enter. We never connect to your bank.

It is a planning tool, not financial, tax, legal or credit advice. You're responsible for the numbers you enter and the decisions you make.

3. Your account

You must be at least 18 (or the age of majority where you live) to create an account. Keep your sign-in details safe; you're responsible for activity on your account. One account per person.

4. Plans and prices

• Annual: $59.99 per year.
• Monthly: $9.99 per month.
• Lifetime: one payment of $119. Not a subscription, never renews, no free trial. It gives you access for as long as UntilPayday is offered.

Prices are in US dollars. Depending on where you live, sales tax or VAT may be added at checkout and is shown before you pay. There is no free plan; the calculator on our home page is free to use without an account.

5. 7-day free trial

Annual and Monthly start with a 7-day free trial. A card is required to start it. You won't be charged during the trial. If you don't cancel before it ends, your plan starts automatically and your card is charged the plan price on day 8. One free trial per person.

6. Automatic renewal

Annual and Monthly renew automatically at the end of each period (every year or every month) at the then-current price, charged to your saved card, until you cancel. If we ever change the price, we'll email you at least 30 days before it applies to your next renewal, and you can cancel before then. The Lifetime price you paid never changes.

If a renewal payment fails, we and our payment provider will retry and ask you to update your card. Your plan stays active while we retry; if payment can't be collected, it ends.

7. Cancel anytime

Cancel in the app under Settings › Plan & billing › Cancel subscription — it takes two taps. You can also email support@untilpayday.app. After cancelling you keep full access until the end of the period you already paid for (or the end of your trial) and won't be charged again. You can come back with one tap. We may offer you a pause or a cheaper plan when you cancel; you can always just cancel.

8. 30-day money-back guarantee and refunds

Every payment — Annual, Monthly or Lifetime — comes with a 30-day money-back guarantee. Email support@untilpayday.app within 30 days of being charged and we'll refund that payment in full, no questions asked. Refunds go back to the original payment method and usually arrive within 5–10 business days.

A refunded plan ends when the refund is issued. Your data isn't deleted; you can export it or pick a plan again later. Outside the 30 days, payments are non-refundable except where the law requires otherwise, and cancelling stops future charges.

9. If you live in the EU or UK

You have a legal right to withdraw from a digital service contract within 14 days. Because UntilPayday starts right away when you subscribe or buy, you ask us to begin immediately. Our 30-day money-back guarantee gives you more than the 14 days anyway: just email us for a full refund.

10. Payments

Payments are processed securely by Stripe, which also calculates and handles sales tax and VAT. We never see or store your full card number. Your bank statement may show the charge as "LINK.COM* UNTILPAYDAY". Receipts and invoices are emailed to you and available under Settings › Plan & billing.

11. Your data

What you enter is yours. You can export it anytime (Settings › Export my data) and delete your account anytime, which also cancels any running subscription. See our Privacy Policy for details.

12. Fair use

Don't misuse UntilPayday: no attempts to break, overload or reverse-engineer it, access other people's accounts, or use it for anything illegal. We may suspend accounts that do.

13. Changes and availability

We work to keep UntilPayday available and accurate, but we can't promise it will always be error-free or uninterrupted. We may improve or change features. If we ever stop offering UntilPayday, we'll give at least 60 days' notice so you can export your data, and refund any unused part of a prepaid Annual plan.

14. Liability

To the extent the law allows, our total liability to you is limited to the amount you paid us in the 12 months before the claim. We're not liable for indirect losses or for financial decisions made using the app. Nothing in these terms limits rights you have as a consumer that can't be limited by law.

15. Ending the agreement

You can stop anytime by cancelling or deleting your account. We may end or suspend an account that seriously breaks these terms, after telling you why where possible.

16. Law and disputes

These terms are governed by the laws of Italy. If you're a consumer, you also keep the protection of the mandatory laws of the country where you live, and you can bring a claim in your local courts. Please contact us first — most issues are solved quickly by email. EU consumers can also use the EU Online Dispute Resolution platform.

17. Changes to these terms

If we make important changes, we'll tell you by email or in the app before they apply. Continuing to use UntilPayday after that means you accept them.