Terms of Service
1. Agreement
These Terms of Service ("Terms") are a binding agreement between you and SedegoTech LLC ("OwlPocket," "we," "us"), governing your use of the OwlPocket mobile application and related services (the "Service"). By downloading, accessing, or using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.
2. Who may use OwlPocket
You must be at least 13 years old, or the minimum age of digital consent in your country, to use the Service. If you are under 18, you represent that a parent or guardian has reviewed and agreed to these Terms on your behalf. By using the Service you represent that you meet these requirements and that you are not barred from doing so under any applicable law.
3. What OwlPocket is — and is not
OwlPocket is a personal budgeting and expense-tracking tool. It helps you record spending, organize categories, set budgets, and set spending caps.
OwlPocket is not a financial advisor, and the Service is not financial, investment, tax, accounting, or legal advice. Any figures, summaries, insights, or suggestions the Service produces are informational only. You are solely responsible for your financial decisions. We are not a bank, money transmitter, or financial institution, and the Service does not hold, move, or store your money.
4. Your account
You can use core features of OwlPocket without an account. If you create one to back up or sync your data, you agree to provide accurate information, keep your credentials secure, and be responsible for all activity under your account. Notify us promptly at support@owlpocket.com of any unauthorized use. We may suspend or terminate accounts that violate these Terms.
5. Your data and content
The information you enter — expenses, categories, budgets, notes — is yours. You grant us a limited license to store, process, and transmit it solely to operate and provide the Service to you (for example, to sync it across your devices). We do not claim ownership of your financial data and do not use it to train machine-learning models. Our handling of your data is described in the Privacy Policy.
You are responsible for the accuracy of what you enter and for keeping your own backups. To the extent the law allows, we are not liable for lost or corrupted data.
6. Subscriptions and payments
OwlPocket offers optional paid subscriptions. Purchases are processed by Apple's App Store or Google Play, not by us, and are subject to their terms. Subscriptions renew automatically for the period you selected unless you cancel at least 24 hours before the end of the current period. Manage or cancel your subscription in your Apple or Google account settings — not in the app. Payment is charged to your store account on confirmation of purchase and at each renewal.
Free trials. Where a plan is offered with a free trial, the length of the trial and the price charged afterwards are shown on the subscription screen before you buy. At the end of the free period the trial converts automatically into a paid subscription and your store account is charged, unless you cancel at least 24 hours before the trial ends. Any unused portion of a free trial is forfeited when you buy a subscription. A free trial is offered at most once per store account, and the store — not us — decides whether you are eligible for one.
Refunds are handled by Apple or Google under their policies; we generally cannot issue them directly. Deleting the app does not cancel a subscription.
We may change subscription prices. Changes apply to future renewal periods, and we will give notice as the app stores require before they take effect.
7. Advertising
The free version of the Service displays advertising from third-party networks. We are not responsible for the content of ads or for products or services they promote. A paid subscription removes advertising.
8. Acceptable use
You agree not to:
- reverse engineer, decompile, or attempt to extract the source code of the Service, except where the law expressly permits;
- interfere with, disrupt, or overload the Service or its infrastructure;
- access the Service through automated means except as we expressly allow;
- use the Service to break any law or infringe anyone's rights;
- resell, sublicense, or commercially exploit the Service without our written permission.
9. Intellectual property
The Service, including the OwlPocket name, logo, design, and software, is owned by SedegoTech LLC and protected by intellectual-property laws. We grant you a personal, limited, non-exclusive, non-transferable, revocable license to use the Service for your own personal, non-commercial purposes under these Terms. This license grants you no rights in our name or branding.
10. Third-party services
The Service relies on and links to third parties — including Apple, Google, hosting and analytics providers, and advertising networks — each governed by its own terms and privacy practices. We are not responsible for third-party services, and your use of them is at your own risk. If the Service later connects to your financial institutions through a third-party provider, additional terms will apply and will be presented to you at that time.
Partner offers. OwlPocket may show offers from financial partners, and we may be paid when you act on one. We label these offers, and we do not send partners information about you — see the Privacy Policy for exactly what does and does not leave OwlPocket. An offer is not advice, an endorsement, or a recommendation that a product suits you, and we do not guarantee that you will be approved or that the terms shown are the terms you will be offered. Whether to apply is your decision, the application is between you and the partner under their terms, and we are not a party to it and not responsible for their products, decisions, or conduct. Nothing in OwlPocket is financial, tax, or legal advice.
11. Availability and changes
We provide the Service on an ongoing basis but do not guarantee it will always be available, uninterrupted, or error-free. We may add, change, suspend, or discontinue any part of the Service at any time. We may also update these Terms; for material changes we will give reasonable notice in the app or by email, and your continued use after the changes take effect means you accept them.
12. Termination
You may stop using the Service and delete your data at any time through the app. We may suspend or terminate your access if you breach these Terms or if we discontinue the Service. Sections that by their nature should survive termination — including data ownership, disclaimers, limitation of liability, and dispute resolution — will survive.
13. Disclaimer of warranties
The Service is provided "as is" and "as available," without warranties of any kind, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be accurate, reliable, secure, or uninterrupted, or that any calculation or insight it produces is correct. Some jurisdictions do not allow the exclusion of certain warranties, so some of these exclusions may not apply to you.
14. Limitation of liability
To the fullest extent permitted by law, SedegoTech LLC and its owners and personnel will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, or goodwill, arising out of or related to your use of the Service. Our total liability for any claim relating to the Service will not exceed the greater of the amount you paid us in the twelve months before the claim or US $50. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.
15. Indemnification
You agree to indemnify and hold harmless SedegoTech LLC and its owners and personnel from any claims, damages, losses, and expenses (including reasonable legal fees) arising out of your misuse of the Service or your violation of these Terms or any law.
16. Governing law and disputes
These Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict-of-laws rules. You agree to the exclusive jurisdiction of the state and federal courts located in New Castle County, Delaware for any dispute arising out of or relating to these Terms or the Service.
Nothing in these Terms prevents either of us from seeking injunctive relief, or from bringing a claim in a small-claims court that has jurisdiction.
17. Apple and Google app-store terms
If you downloaded OwlPocket from the Apple App Store: these Terms are between you and us, not Apple; Apple has no obligation to provide support or handle claims relating to the app; and Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them. You represent that you are not located in a country subject to a US embargo or on a US prohibited-parties list. Similar terms apply where you downloaded the app from Google Play.
18. General
These Terms, with the Privacy Policy, are the entire agreement between you and us regarding the Service. If any provision is found unenforceable, the rest remains in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets.
19. Contact
SedegoTech LLC
support@owlpocket.com
www.owlpocket.com