Terms of Service

Effective July 23, 2026 · Last updated July 30, 2026

These Terms of Service ("Terms") are a binding agreement between you and TableHQ LLC ("Company", "we", "us", or "our"). They govern your use of Cents FYI at cents.fyi, including its website, virtual family ledger, child views, exports, support, and billing features (together, the "Services").

By creating or joining a family workspace, providing parental consent, adding a payment method, purchasing a subscription, or otherwise using the Services, you agree to these Terms and our Privacy Policy. If you act for a child or another person, you represent that you have legal authority to do so. If you do not agree, do not use the Services.

1 Eligibility, family authority, and accounts

1.1 Adult-created workspaces

Only an adult with legal capacity who is a parent or legal guardian authorized to supervise the family may create a workspace. The adult is responsible for reviewing the children's privacy notice and providing the required consent before adding a child.

A person below the age of majority may use only a child account created and authorized by that person's parent or legal guardian. A child may not create a workspace, authorize a purchase, or represent that the child is an adult.

The family owner and each guardian represent that they have the authority required to add the family members, emails, and ledger information they submit. Do not add a person or disclose information about that person if you lack that authority.

1.2 Family roles

The first authenticated person who creates the workspace is normally the family owner and, by doing so, represents that they meet Section 1.1. The owner can add members, transfer ownership, remove another guardian, and permanently delete the workspace. Other guardians can manage the household, child ledgers, billing, and exports but cannot remove a guardian or delete the whole workspace.

A child can have a profile without an email. If a guardian enables a separate child login, its ledger access is view-only and it can see only the child's own ledger. The child can personalize that child's avatar colors and optional mascot. Guardians are responsible for supervising child use and deciding when separate access is appropriate.

The owner should transfer ownership before leaving the family. Ownership does not establish or decide legal custody, parentage, property ownership, or financial rights outside the Services.

1.3 Registration and security

You may sign in through a verified email link, one-time code, or approved third-party identity provider. Sign-in and account creation use the same flow: if the verified identity is not already associated with an account, continuing creates one. You agree to provide accurate information and keep it current.

You are responsible for protecting email accounts, login links, codes, sessions, provider credentials, devices, and downloaded exports. Promptly contact support@cents.fyi if you suspect unauthorized access. We are not responsible for losses caused by a failure to protect access credentials, except where applicable law provides otherwise.

You may not sell, rent, or transfer an account. Family ownership may be transferred only through the provided family control.

2 What the Services are

2.1 A virtual record, not a financial account

The Services let guardians maintain a private record of virtual credits, debits, balances, descriptions, recurring deposits, and corrections for family education and household coordination.

The Services are not a bank, credit union, payment service, money transmitter, stored-value product, prepaid account, escrow service, investment account, trust account, credit product, or financial adviser. We do not hold, receive, safeguard, transfer, insure, or guarantee the money represented by a ledger.

A displayed balance records only the family's own understanding. It does not prove that money exists, belongs to a particular person, is held elsewhere, or must be paid. Families are solely responsible for any real-world money, property, tax, custody, or reimbursement arrangement.

2.2 Entries, schedules, and corrections

Guardians are responsible for the accuracy, fairness, legality, descriptions, dates, and amounts they enter. Children cannot create or modify entries.

Recurring deposits create virtual entries according to the schedule and time zone selected by a guardian. Device, network, provider, daylight-saving, or software conditions can delay processing. Guardians must review scheduled entries and correct errors.

Guardians can fix nonfinancial entry details while retaining edit history. Changes to an amount, entry type, or effective date use a reversing entry and replacement so the family can understand how a balance changed. The original, reversal, and replacement can remain visible as audit history. Removing a guardian does not erase the author label on prior entries or schedules.

2.3 Availability and changes

We work to keep the Services available, but maintenance, security incidents, provider outages, legal requirements, or other events may interrupt access. We may correct, update, add, remove, or discontinue a feature.

If discontinuation materially affects paid access, we will provide any notice or remedy required by law and may provide an additional remedy at our discretion. We do not promise a particular roadmap, uptime level, or perpetual operation.

3 Trials, subscriptions, and payment

The price, currency, billing interval, trial, renewal date, included features, and other offer details shown on the pricing, billing, and payment-processor pages at the time of authorization form part of these Terms. If an offer-specific term conflicts with a general description here, the offer-specific term controls for that transaction.

3.1 Free trial

When offered, a trial provides temporary access for the number of days displayed before creation. No payment card is required to begin the current trial offer.

If you do not add a payment method, paid access stops when the trial and any payment-recovery period end. If you add a payment method, the authorization shown beside that control states the selected price, interval, and expected first charge date. You must expressly accept it before leaving for the payment processor.

We may change, limit, or withdraw a future trial offer. Unless required by law, a person or family is not entitled to repeated trials.

3.2 Recurring authorization and automatic renewal

By adding a payment method and accepting the displayed recurring authorization, the adult guardian authorizes us and our payment processor to charge the selected price, applicable taxes, and disclosed fees to that payment method when paid service begins and automatically at the selected monthly or annual interval until canceled.

We preserve verification of the authorization as required by applicable law.

Your Billing page shows the current plan, subscription status, period dates, next expected payment information when available, and cancellation controls. You are responsible for keeping the payment method current.

If a charge fails, the payment processor may retry it according to the billing settings and the Services may restrict access. You remain responsible for an authorized amount due.

3.3 Plan changes

An authorized guardian can select an available monthly or annual plan in Billing. Before a plan change takes effect, the Services display the plan and price. The payment processor can apply prorations, credits, or a new billing date as shown during the change.

3.4 Cancellation

An authorized guardian may cancel through Billing → Cancel subscription without contacting support. Cancellation stops automatic renewal and normally takes effect at the end of the current paid or trial period. The Billing page shows the effective date. No further recurring charge is authorized after cancellation takes effect unless a guardian later resubscribes.

Subscription cancellation and data deletion are separate. After a Cents FYI subscription ends, the family workspace is retained for 90 days so the family can resubscribe, export, or delete it. The workspace's family content and sign-in identities are then scheduled for permanent deletion, while limited billing and legal records may remain as described in the Privacy Policy. The family owner may use Delete family workspace at any time to cancel live billing and immediately close the workspace.

3.5 Refunds and mandatory rights

Except where required by law or expressly stated in an offer, charges are non-refundable after paid access is provided, and cancellation does not create a credit for unused time in a current period.

Contact support@cents.fyi if you believe a charge was unauthorized, duplicated, incorrect, or failed to provide the access described. Nothing in these Terms limits a mandatory cooling-off, withdrawal, conformity, refund, cancellation, or other consumer right that applies where you live.

3.6 Price changes and taxes

We may change prices for future offers. We will provide the advance notice required by law before changing an existing recurring charge. The notice will state when the change takes effect so the guardian can cancel beforehand.

Prices are displayed in U.S. dollars unless stated otherwise. You are responsible for taxes and charges disclosed before authorization. We may collect and remit taxes where required.

3.7 Payment processor

Our payment processor handles payment methods and related billing details on pages it controls. Your use of those pages is also subject to the processor's terms and privacy policy. A pending, abandoned, reversed, disputed, or failed payment may not provide or may later remove paid access.

4 Family content and license

4.1 Your family content

As between you and the Company, the family retains its rights in names, ledger entries, descriptions, schedules, and other content a guardian submits ("Family Content").

You grant us a limited, worldwide, non-exclusive license to host, copy, process, transmit, display, export, secure, and back up Family Content only as needed to provide, protect, support, and legally operate the Services. This license ends when the content is deleted, except for limited backup, legal, security, and dispute copies described in the Privacy Policy.

You represent that you have the rights and family authority needed to submit Family Content and grant this license. Do not place unlawful, infringing, abusive, highly sensitive, or unnecessary personal information in a ledger description.

4.2 Our Services

The Services, software, visual design, branding, documentation, and other Company material are owned by the Company or its licensors and protected by intellectual-property laws.

Subject to these Terms, we grant each authorized family member a limited, revocable, non-exclusive, non-transferable license to use the Services for the family's private, non-commercial household purposes.

4.3 Feedback

If you voluntarily send corrections, ideas, or feedback, you grant us a worldwide, perpetual, irrevocable, royalty-free right to use it without restriction or compensation. This does not transfer ownership of unrelated Family Content, and personal information remains governed by the Privacy Policy.

5 Acceptable use

You agree not to:

1. Break a law or infringe another person's rights while using the Services.
2. Create a workspace while misrepresenting adult or guardian authority.
3. Add, monitor, or disclose information about a child without required parental or legal authority.
4. Use a child's optional login for an adult or let a child use guardian controls.
5. Share verification codes or intentionally provide unauthorized account access.
6. Treat a virtual balance as money held, insured, guaranteed, or transferred by us, or misrepresent it to another person.
7. Circumvent access controls, probe for vulnerabilities without written permission, or access another family's data.
8. Introduce malware or interfere with the security, integrity, availability, or normal operation of the Services.
9. Scrape, automate, or reverse engineer the Services in a way that burdens them, extracts private data, or evades a restriction, except where law expressly permits.
10. Use the Services to deceive, exploit, threaten, harass, or harm a child or another person.

We may investigate suspected misuse and take proportionate action, including limiting requests, revoking a session, suspending access, preserving relevant records, or contacting appropriate authorities.

6 Privacy and children's information

Our Privacy Policy explains collection, family visibility, providers, child-specific safeguards, parental consent, exports, deletion, and retention.

Guardians must review the direct children's notice and provide any consent required by law before adding a child. A guardian may disable a child login, delete a child ledger, withdraw consent, or contact support. We may pause child access and require a new guardian review when the notice materially changes or when consent is missing.

7 Third-party services

The Services may interact with optional identity and payment providers. The Privacy Policy identifies current providers and their roles. Provider-controlled services are governed by their own terms and policies.

We do not control a third-party service and are not responsible for its availability, security, accuracy, or conduct. Your dealings with a third party are between you and that third party, subject to mandatory law.

8 Suspension, termination, and deletion

You may stop using the Services at any time. Guardians can revoke a child login; the owner can remove another guardian or delete the workspace.

We may suspend or terminate access if a person materially or repeatedly violates these Terms, lacks required family authority or consent, creates a security or legal risk, fails to pay an amount due, or misuses the Services. When reasonable, we will give notice and an opportunity to cure, but we may act immediately to protect a child, family, the Company, or another person.

Upon termination, the license to use the Services ends. Content handling follows the Privacy Policy and any mandatory law. Provisions that by their nature should survive remain in effect, including payment obligations, intellectual property, audit history, warranty disclaimers, liability limits, and dispute terms.

9 Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” THE COMPANY AND ITS LICENSORS DISCLAIM ALL EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, AND UNINTERRUPTED OR ERROR-FREE OPERATION.

We do not guarantee a financial, educational, parenting, behavioral, tax, custody, or other outcome. We do not guarantee that an entry, schedule, correction, balance, export, notification, or provider response is complete, timely, or error-free. Guardians must review the family record and maintain any separate real-world financial records they need.

Some jurisdictions do not allow certain disclaimers, so some of the above may not apply. You retain any warranty or consumer protection that cannot lawfully be excluded.

10 Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY AND ITS OWNERS, AFFILIATES, EMPLOYEES, CONTRACTORS, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL DAMAGES, OR FOR LOST PROFITS, REVENUE, DATA, GOODWILL, FAMILY FUNDS, OR BUSINESS INTERRUPTION, ARISING FROM OR RELATING TO THE SERVICES OR THESE TERMS.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THEIR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATING TO THE SERVICES OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US FOR THE SERVICES DURING THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM OR (B) US$100.

These limits apply regardless of legal theory and even if a remedy fails of its essential purpose. They do not limit liability that cannot lawfully be limited, including liability for fraud, willful misconduct, or other matters excluded by applicable law.

11 Indemnification

To the extent permitted by law, you agree to defend, indemnify, and hold harmless the Company and its owners, affiliates, employees, contractors, and licensors from third-party claims and reasonable costs arising from your unlawful use of the Services, material violation of these Terms, lack of authority to submit Family Content or act for a child, or infringement of another person's rights.

This obligation does not apply to the extent a claim results from the Company's own unlawful conduct, negligence, or breach of these Terms.

12 Governing law and disputes

Washington law governs these Terms, without regard to conflict-of-law rules. Before filing a claim, you and the Company agree to make a good-faith effort to resolve it informally. Contact support@cents.fyi with a brief description of the issue and requested relief.

If informal resolution fails, the state and federal courts with jurisdiction in King County, Washington will have exclusive jurisdiction, and each party consents to venue there. You may bring an eligible individual claim in small claims court. Nothing in this section deprives you of protections or forums that the law where you live makes mandatory.

13 Changes to these Terms

We may update these Terms to reflect changes in the Services, practices, or law. The date at the top shows when the current version took effect.

If a change materially reduces your rights or changes how child information is used, we will provide reasonable notice and obtain any new agreement or parental consent required by law. Updated Terms apply prospectively. If you do not agree, stop using the Services and cancel before future renewal.

14 General terms

These Terms, the Privacy Policy, and offer terms presented at authorization are the entire agreement concerning the Services and replace earlier agreements about the same subject. If a provision is unenforceable, it will be modified only as much as necessary, and the remaining provisions continue in effect.

Our failure to enforce a provision is not a waiver. You may not assign these Terms or transfer an account without our written consent. We may assign these Terms as part of a merger, acquisition, reorganization, or sale of assets, provided mandatory rights remain protected. Headings are for convenience only.

15 Contact

The Services are provided by TableHQ LLC. Questions, notices, billing concerns, privacy requests, and account issues may be sent to support@cents.fyi.