Terms of service

Not financial advice

Cubby is a tool for budgeting and keeping records. Nothing in it is financial, investment, tax, or legal advice. Balances, prices, categories, and projections can be wrong or out of date, so check with your bank, brokerage, or an adviser before you act on them. You alone are responsible for your financial decisions.

Your account

• You must be 18 or older and use an email address you control.
• You're responsible for what happens under your account, so keep your sign-in methods safe.
• A household is shared: everyone in it can see and change all of its data. Owners and admins manage who belongs. Invite only people you trust with your finances.

Acceptable use

Don't use Cubby to:

• break the law, or store data you have no right to;
• get into accounts or households that aren't yours;
• attack, overload, or probe the service, or get around its limits and bot checks;
• scrape or copy the service with automated tools.

We may suspend or close an account that does.

Your data

Your data stays yours. You let us store and process it only as needed to run the service for you, as the privacy policy describes. You can export it or delete it at any time.

Other services

Some features rely on other companies, such as SnapTrade for brokerage connections, Google for sign-in, and Tiingo for prices. Their own terms apply when you use them, and we aren't responsible for their availability or the accuracy of the data they send.

Price

Cubby is free today. If that changes, we'll tell you in advance, and nothing will be charged without your agreement.

Changes and ending the service

We may change, pause, or stop the service. Before we stop it, we'll give you reasonable notice where we can, so you have time to export your data. You can deactivate or delete your account whenever you like.

No warranty

The service is provided "as is" and "as available", without warranties of any kind, express or implied, including fitness for a particular purpose and accuracy of any figure it shows.

Limit of liability

As far as the law allows, we aren't liable for indirect, incidental, or consequential losses, including lost money or data, arising from your use of the service. Our total liability for any claim is limited to the amount you paid us in the 12 months before it, or $100 if you paid nothing.

Governing law

New Jersey law governs these terms, and any dispute will be heard in the state or federal courts in New Jersey.

Changes to these terms

When these terms change, we'll post the new version here with a new date and email you about significant changes. Continuing to use the service after that means you accept them.

Contact

Questions about these terms go to info [at] jvp.design.