Terms of Service

Agreement to Terms

By accessing or using BillForecast.app ("Service", "we", "us", or "our"), you agree to be bound by these Terms of Service. If you disagree with any part of these terms, you may not access the Service.

Description of Service

BillForecast.app is a personal finance application that helps users track expenses, manage budgets, forecast cash flow, and gain insights. Paid billing is handled through Stripe when subscription features are enabled. The Service runs no ads and no third-party analytics.

Subscription Plans and Billing

Plans, Pricing, and Trial

BillForecast Pro is offered on the following plans, with the total price clearly displayed before checkout:

• Monthly: USD 4.99, billed every month, auto-renewing until you cancel.
• Annual: USD 49.00, billed every twelve (12) months, auto-renewing until you cancel.
• Trial: Three (3) calendar days of free Pro access at account creation, with no credit card required. The trial converts to a paid plan only if you complete checkout through Stripe.

Prices may change with at least thirty (30) days' prior notice by email; price changes apply only to renewals after the notice period.

Auto-Renewal and Cancellation

Paid plans automatically renew at the end of each billing period at the then-current price. You can cancel at any time from the Billing section in Settings (which opens the Stripe Customer Portal). Cancellation takes effect at the end of the current paid period — you keep Pro access until that date and are not charged again.

We do not refund partially used billing periods unless required by applicable consumer protection law (see “Right of Withdrawal” below).

Right of Withdrawal (EU/EEA Consumers)

Consumers resident in the European Union or European Economic Area have a statutory right to withdraw from a distance contract for digital services within fourteen (14) days of subscribing, under Article 9 of Directive 2011/83/EU on consumer rights (transposed into Croatian law by the Consumer Protection Act, “Zakon o zaštiti potrošača”).

By starting your paid subscription you are asked to expressly request that the Service be performed immediately during the withdrawal period and to acknowledge that you lose the right of withdrawal once the digital service has been fully performed. If you have not yet consumed the full billing period at the time you exercise withdrawal, we will refund the unused portion calculated pro-rata.

To exercise the right of withdrawal, send an unequivocal statement (for example, a letter sent by post or an email) to legal@billforecast.app within the 14-day window. A model withdrawal form is available on request.

Online Dispute Resolution (EU Consumers)

The European Commission provides a platform for online dispute resolution (ODR) at https://ec.europa.eu/consumers/odr/. We are not currently obliged to participate in alternative dispute resolution before a consumer dispute resolution body, but you may use the ODR platform to submit a complaint, and we will respond in accordance with applicable law.

Payment Processing

All payments are processed by Stripe, Inc. BillForecast does not store card numbers, CVV codes, or full payment account details. See our Privacy Policy for the data shared with Stripe under the EU Standard Contractual Clauses.

Eligibility

BillForecast.app is intended for users aged 18 or older. By creating an account you confirm that you are at least 18 years old or have the consent of a parent or legal guardian. We do not knowingly collect information from users under that age.

User Accounts

Account Creation

To use certain features of the Service, you must register for an account. When creating an account, you agree to:

• Provide accurate, current, and complete information
• Maintain and promptly update your account information
• Keep your password secure and confidential
• Accept responsibility for all activities under your account
• Notify us immediately of any unauthorized use

Account Termination

You may delete your account at any time. We reserve the right to suspend or terminate accounts that violate these terms or engage in fraudulent or illegal activities.

User Responsibilities

When using BillForecast.app, you agree not to:

• Violate any laws or regulations
• Infringe on intellectual property rights
• Upload malicious code or viruses
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt the Service
• Use automated tools to access the Service without permission
• Impersonate others or misrepresent your affiliation
• Collect or harvest user information

Data and Privacy

Your use of the Service is also governed by our Privacy Policy. By using BillForecast.app, you consent to our collection and use of data as described in the Privacy Policy.

You are responsible for the accuracy of the financial data you enter. We do not verify the accuracy of your transactions or account balances.

Data Processing

Data Controller: I MARIN, obrt za usluge, Kijevska 5, Split, Croatia, EU (MB: 3141721, OIB: 91775270726)

We process your data on the following legal bases under the General Data Protection Regulation (GDPR):

• Contract performance (Art. 6(1)(b) GDPR) — processing necessary to provide the core Service after you create an account
• Consent (Art. 6(1)(a) GDPR) — for optional AI-powered features if you choose to enable a cloud model provider, which you may withdraw at any time
• Legitimate interests (Art. 6(1)(f) GDPR) — for security monitoring, fraud prevention, and service improvement

For full details on how we process your data, please refer to our Privacy Policy.

API Access and AI Integration (MCP)

BillForecast provides an application programming interface ("API") using the Model Context Protocol ("MCP") that allows third-party AI assistants and software clients to access and interact with your account data on your behalf. By creating an API token and connecting a third-party client, you acknowledge and agree to the following:

Authorization and Consent

• You are solely responsible for creating, distributing, and revoking API tokens associated with your account
• Each API token you create constitutes your explicit authorization for the bearer of that token to access your data within the granted scopes ("read", "write", or "admin")
• You consent to the processing of your financial data by any third-party client to which you provide your API token
• The always-confirm workflow for write operations is a safety mechanism provided as a convenience; it does not constitute a guarantee against unintended actions

Third-Party AI Clients

BillForecast does not develop, operate, control, or endorse any third-party AI assistant or MCP client (including but not limited to Claude, ChatGPT, Cursor, Windsurf, or VS Code Copilot). When you connect a third-party client:

• Your interaction with the third-party client is governed by that client's own terms of service and privacy policy
• BillForecast is not responsible for how the third-party client processes, stores, transmits, or displays your financial data after it leaves our servers
• BillForecast is not liable for any actions taken, errors made, or recommendations provided by third-party AI clients
• Any financial insights, suggestions, or interpretations generated by a third-party AI client do not constitute financial advice from BillForecast

Token Security

• You are responsible for safeguarding your API tokens with the same care as your account password
• API tokens are displayed in full exactly once at the time of creation; BillForecast cannot recover lost tokens
• You must revoke any token immediately if you suspect unauthorized access
• BillForecast is not liable for any damages resulting from unauthorized use of tokens that you failed to secure or revoke

Limitation of Liability for API Use

To the maximum extent permitted by applicable law, BillForecast shall not be liable for any direct, indirect, incidental, special, consequential, or punitive damages arising from or related to:

• The use or inability to use the API or MCP server
• Any actions taken by third-party AI clients using your API token
• Errors, inaccuracies, or omissions in data returned by the API
• Unauthorized access to your account through compromised API tokens
• Any financial decisions made based on data or analysis provided through the API or third-party AI clients

Fair Use and Rate Limits

API access is subject to rate limiting. Excessive or abusive use of the API may result in temporary or permanent restriction of your API access. We reserve the right to modify rate limits, available tools, or API functionality at any time with or without notice.

Intellectual Property

The Service and its original content, features, and functionality are owned by BillForecast.app and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

You retain ownership of any data you input into the Service. By using the Service, you grant us a license to use your data solely for the purpose of providing and improving the Service.

Disclaimer of Warranties

The Service is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to:

• Merchantability or fitness for a particular purpose
• Non-infringement of third-party rights
• Uninterrupted or error-free operation
• Accuracy, reliability, or completeness of content

BillForecast.app is a personal finance management tool for tracking and organizing your finances. It is:

• Not a certified accounting system, tax preparation service, or financial advisory platform
• Not to be relied upon for tax filings, legal accounting, audit purposes, or official financial documentation

All data, forecasts, and insights are based solely on user-entered information and automated calculations that may contain errors. Users must consult a qualified accountant, tax advisor, or financial professional for important financial decisions. The Service does not verify the accuracy or completeness of any financial data entered by users.

Limitation of Liability

To the fullest extent permitted by law, BillForecast.app shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses resulting from:

• Your access to or use of (or inability to access or use) the Service
• Any conduct or content of any third party
• Unauthorized access, use, or alteration of your data
• Any other matter relating to the Service
• Any data loss, data corruption, or loss of stored information

Important: I MARIN, obrt za usluge, Split, Croatia, EU (the operator of BillForecast.app) is not liable for any eventual data loss, data corruption, or loss of any stored information. This application is made in good faith to help users manage their personal finances and as such is not intended for, nor should it be relied upon for, legal accounting purposes, tax filings, or any official financial documentation.

Indemnification

You agree to indemnify and hold harmless BillForecast.app and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising from your use of the Service or violation of these Terms.

Service Availability

We strive to provide reliable service but cannot guarantee uninterrupted access. We may suspend or discontinue the Service at any time, with or without notice, for maintenance, upgrades, or other reasons.

Changes to Terms

We reserve the right to modify these Terms at any time. We will notify users of significant changes by posting the new Terms and updating the "Last updated" date. Your continued use of the Service after changes constitutes acceptance of the new Terms.

Governing Law & Jurisdiction

These Terms are governed by and construed in accordance with the laws of the Republic of Croatia, without regard to its conflict of law provisions.

Any dispute arising from or relating to these Terms or the Service shall be subject to the exclusive jurisdiction of the Commercial Court in Split, Republic of Croatia (Trgovački sud u Splitu).

Nothing in this clause shall deprive you of any mandatory consumer protection rights afforded to you under the laws of your country of habitual residence that cannot be waived by agreement, nor prevent you from bringing proceedings in the courts of that country where permitted by applicable law.

Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary so that the Terms shall otherwise remain in full force and effect.

Service Operator

BillForecast.app is operated by:

I MARIN, obrt za usluge
Kijevska 5
Split, Croatia, EU
MB: 3141721
OIB: 91775270726

Contact Information

If you have questions about these Terms of Service, please contact us at:

Email: legal@billforecast.app
Website: billforecast.app