Terms & Conditions

1. Agreement to these terms

These Terms & Conditions (“Terms”) form an agreement between you and JTR Labs LLC (“JTR Labs,” “we,” “us,” or “our”) governing your access to and use of the BillGarden mobile application, its widgets and App Intents, and the BillGarden website (collectively, the “Service”). By downloading, purchasing, accessing, or using the Service, you agree to these Terms and the Privacy Policy.

If you do not agree, do not use the Service. If you use BillGarden on behalf of an organization, you represent that you have authority to bind it, and “you” includes that organization.

Your license to the App is also subject to Apple’s Standard Licensed Application End User License Agreement (“Apple Standard EULA”). If these Terms conflict with mandatory Apple terms, the Apple terms control to the extent of the conflict.

2. What BillGarden provides

BillGarden helps you manually organize bill definitions, recurring due dates, reminders, payment records, history, estimates, forecasts, widgets, exports, and cosmetic progress. Features may vary by device, operating-system version, region, App Store availability, subscription status, notification permission, and iCloud status.

Descriptions on the website and App Store explain the current intended product but are not a promise that every feature will always be available, error-free, or unchanged.

3. Limited license

Subject to these Terms, JTR Labs grants you a limited, personal, revocable, non-exclusive, non-transferable, and non-sublicensable license to install and use the App on Apple-branded products you own or control, as permitted by Apple’s Usage Rules and the Apple Standard EULA. Family Sharing or volume-purchase use is permitted only to the extent Apple allows it.

The App is licensed, not sold. No rights are granted except those expressly stated in these Terms and Apple’s applicable rules.

4. Eligibility

You must be legally capable of entering this agreement in your jurisdiction. If you are not old enough to enter a binding agreement, a parent or legal guardian must review and accept these Terms for you. BillGarden is not intended for use where prohibited by law.

5. Your responsibilities

You are responsible for:

• Entering, reviewing, and maintaining accurate bill, recurrence, amount, reminder, and payment information;
• Confirming every due date and payment directly with the relevant provider or financial institution;
• Completing payments through an authorized provider or payment method;
• Keeping your device, passcode, Apple Account, iCloud account, exported files, and backups secure;
• Choosing appropriate notification and widget privacy settings;
• Maintaining independent records when legally, financially, or contractually necessary;
• Using the Service lawfully and complying with provider agreements and tax, accounting, debt, and reporting obligations that apply to you.

Do not rely on BillGarden as the sole record of a debt, payment, tax deduction, legal deadline, or contractual obligation.

6. Not a financial or payment service

BillGarden does not connect to bank accounts, hold funds, transmit money, initiate ACH or card transactions, pay creditors, negotiate debt, verify account balances, verify that a payment was received, or confirm that an obligation has been satisfied. “Paid,” “scheduled,” “autopay,” and similar states reflect information you enter or confirm.

BillGarden does not provide financial, investment, tax, legal, accounting, credit, debt-management, or insurance advice. Insights, category totals, forecasts, variable-bill estimates, anomaly explanations, and subscription equivalents are informational calculations based on your entries and may be incomplete, delayed, or wrong. Consult a qualified professional and the original provider when a decision matters.

JTR Labs is not responsible for late fees, overdrafts, missed payments, service interruption, credit reporting, penalties, interest, collections, tax consequences, or other losses caused by inaccurate entries, notification failure, device or network conditions, provider changes, or reliance on the Service.

7. BillGarden+ subscriptions

Plans and features

BillGarden may offer monthly and annual auto-renewable BillGarden+ subscriptions through Apple’s In-App Purchase system. Both durations are intended to unlock the same Plus capabilities during an active entitlement. Current price, currency, taxes, trial availability, and subscription period are displayed by Apple before purchase and control over any website estimate.

Billing and renewal

Payment is charged to your Apple Account when you confirm a purchase. An auto-renewable subscription renews automatically unless canceled in accordance with Apple’s rules before the end of the current period. Apple handles billing, renewal, cancellation, refunds, payment failures, grace periods, and purchase verification. JTR Labs does not store your payment-card details.

Trials and offers

An introductory trial or promotional offer may be limited to eligible users. Apple determines eligibility. Unless canceled before the trial ends, the subscription converts to the paid plan shown at confirmation and renews automatically. Deleting the App does not cancel a subscription.

Managing or canceling

You can manage or cancel in your Apple Account subscription settings at apps.apple.com/account/subscriptions. Cancellation generally stops future renewal; access normally continues until the current paid period ends. Refund requests are governed and processed by Apple.

Expiration

When Plus expires, existing bills remain editable, payable, synchronized, and eligible for the free safety reminder schedule. If you are above the free active-bill limit, you may be unable to add or reactivate bills until you reduce the count or subscribe again. Advanced reminders may fall back to a free schedule. BillGarden is designed not to abruptly remove a premium cosmetic currently on display, but availability and behavior may change.

Price or plan changes

Apple and JTR Labs may change prices or offerings subject to applicable law and App Store requirements. Apple may require your consent to certain price increases. If a plan is discontinued, we will handle existing periods as required by law and Apple’s rules.

8. XP, coins, achievements, and cosmetics

BillGarden’s XP, coins, collectibles, quests, achievements, room stages, streak protection, and cosmetics are entertainment and motivational features only. They:

• Have no cash value and are not legal tender, stored value, cryptocurrency, or property;
• Cannot be purchased, sold, transferred, redeemed, withdrawn, or exchanged outside the Service;
• Do not represent a prize, investment, sweepstakes entry, or promise of future value;
• May be corrected, rebalanced, replaced, or discontinued to address errors, abuse, product changes, or legal requirements.

Coins are cosmetic-only and are not sold. Unmarking a payment may change streak projections but does not necessarily reverse a previously granted reward.

9. iCloud, notifications, widgets, and system services

The Service depends in part on Apple services and device capabilities outside JTR Labs’ control. Private iCloud/CloudKit synchronization can be delayed, unavailable, duplicated during conflict resolution, or affected by account status, storage, network, device settings, Apple outages, schema changes, and operating-system behavior.

Notifications are best-effort reminders, not guaranteed delivery services. Delivery may be affected by permission status, Focus modes, notification summaries, time-zone changes, device power, system limits, reinstallations, and Apple behavior. Widgets and App Intents may show stale or privacy-redacted snapshots and should not be treated as authoritative bill records.

10. Your content and exports

You retain your rights in bill information, notes, provider names, payment records, and other content you enter (“User Content”). You grant JTR Labs only the limited rights necessary for the App to process User Content on your device and through Apple services at your direction. Because JTR Labs does not receive private bill records, this is not a license for us to use them for advertising or model training.

You are responsible for having the right to enter, store, export, and share User Content. Do not use the Service to store unlawful content or confidential information belonging to another person without authorization. Exports and recaps may contain sensitive financial information; review them before sharing and protect every copy after it leaves BillGarden.

11. Providers, links, and third-party services

BillGarden may let you store or open a payment or provider URL. JTR Labs does not endorse, control, monitor, or guarantee a biller, provider, website, payment processor, or third-party app. Their content, availability, fees, security, accessibility, and privacy practices are governed by their own terms.

You are responsible for checking the destination before entering credentials or making a payment. BillGarden will not ask for your provider password or automatically submit payment information.

12. Acceptable use

You may not:

• Use the Service in violation of law or another person’s rights;
• Attempt to gain unauthorized access to the App, Apple services, signing systems, or another user’s data;
• Interfere with, overload, disable, or circumvent security, entitlement, subscription, or technical restrictions;
• Reverse engineer, decompile, disassemble, or derive source code except to the limited extent applicable law expressly permits despite this restriction;
• Copy, modify, distribute, sell, lease, sublicense, or create derivative commercial products from BillGarden except as allowed by law or written permission;
• Use automated means to scrape the website, abuse support, or distribute malware;
• Misrepresent BillGarden records as independent proof that a payment occurred.

13. JTR Labs property

BillGarden, its software, design, text, artwork, mascots, catalogs, icons, branding, and other materials are owned by JTR Labs or its licensors and protected by intellectual-property laws. “BillGarden,” its logo, and related trade dress may not be used to imply endorsement or affiliation without permission. Feedback you voluntarily provide may be used without restriction or compensation, but we will not treat private bill records as feedback.

14. Updates, changes, and availability

We may add, remove, redesign, suspend, or discontinue features; issue compatibility, security, or legal updates; or change minimum system requirements. Some updates may be required for continued operation or synchronization. We do not promise that the Service will be available in every region, support every recurrence pattern or provider, or remain compatible with every device indefinitely.

We may provide beta, preview, or experimental features. Those features may be incomplete and are provided for evaluation with additional risk.

15. Suspension and termination

You may stop using the Service at any time. Deleting the App does not cancel a subscription. We may suspend or terminate access to portions of the Service if you materially violate these Terms, create security or legal risk, abuse systems, or if continued operation becomes unlawful or impractical.

Terms that by their nature should survive termination—including ownership, disclaimers, liability limitations, dispute terms, and obligations relating to prior conduct—will survive. Your locally stored or iCloud data may remain until you delete it using the App and Apple controls.

16. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY LAW, BILLGARDEN AND ALL RELATED CONTENT AND FEATURES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITH ALL FAULTS AND WITHOUT WARRANTIES OF ANY KIND. JTR LABS DISCLAIMS EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, QUIET ENJOYMENT, AVAILABILITY, SECURITY, AND THAT THE SERVICE WILL BE ERROR-FREE OR MEET YOUR REQUIREMENTS.

We do not warrant that reminders will arrive, recurrence calculations or forecasts will always be correct, sync will be immediate or conflict-free, exports will satisfy legal or accounting standards, or records will never be lost. Some jurisdictions do not allow certain warranty exclusions, so portions of this section may not apply to you. Nothing in these Terms limits non-waivable consumer rights.

17. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, JTR LABS AND ITS MEMBERS, OFFICERS, EMPLOYEES, CONTRACTORS, AFFILIATES, AND LICENSORS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; LOSS OF DATA, PROFITS, REVENUE, CREDIT, GOODWILL, OR BUSINESS; MISSED OR LATE PAYMENTS; FEES, PENALTIES, INTEREST, OVERDRAFTS, COLLECTIONS, SERVICE INTERRUPTION, OR TAX CONSEQUENCES; OR THE COST OF SUBSTITUTE SERVICES, ARISING FROM OR RELATED TO THE SERVICE, EVEN IF ADVISED THAT SUCH DAMAGE WAS POSSIBLE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE TOTAL AGGREGATE LIABILITY OF JTR LABS FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID JTR LABS THROUGH THE APP STORE FOR BILLGARDEN DURING THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM OR (B) FIFTY U.S. DOLLARS (US $50).

These limitations allocate risk and are an essential basis of the agreement. They do not apply where prohibited, including liability that cannot lawfully be excluded.

18. Indemnity

To the extent permitted by law, you agree to defend, indemnify, and hold harmless JTR Labs and its members, officers, employees, contractors, affiliates, and licensors from third-party claims, losses, liabilities, damages, judgments, costs, and reasonable legal fees arising from your unlawful use of the Service, your User Content, your violation of these Terms, or your violation of another person’s rights. This obligation does not apply to the extent a claim results from JTR Labs’ own unlawful conduct or where consumer law prohibits it.

19. Apple-specific terms

You and JTR Labs acknowledge that:

• These Terms are between you and JTR Labs, not Apple, and JTR Labs—not Apple—is responsible for BillGarden and its content;
• Apple has no obligation to provide maintenance or support for the App;
• To the extent an App Store warranty applies and BillGarden fails to conform, you may notify Apple for any remedy Apple provides; to the maximum extent permitted by law, Apple has no other warranty obligation;
• JTR Labs, not Apple, is responsible for addressing claims relating to the App, including product-liability, regulatory, consumer-protection, and intellectual-property claims;
• You represent that you are not located in a country subject to a U.S. government embargo and are not on a U.S. government restricted-party list;
• You must comply with applicable third-party terms, including Apple Media Services terms;
• Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce the Apple-specific provisions.

20. Governing law and disputes

Except where the Apple Standard EULA or mandatory consumer law provides otherwise, these Terms are governed by the laws of the State of Utah, United States, without regard to conflict-of-law rules. Any dispute not eligible for small-claims court will be brought in the state or federal courts with jurisdiction over JTR Labs’ principal place of business, and each party consents to those courts.

If you are a consumer in a jurisdiction that grants mandatory rights or permits claims in your home courts, this section does not take those rights away. Before filing a formal claim, please contact us and provide a short description of the issue so both sides can attempt an informal resolution for at least 30 days, unless immediate relief or law makes that impractical.

21. General terms

• Entire agreement: These Terms, the Privacy Policy, the Apple Standard EULA, and purchase terms shown by Apple form the agreement concerning the Service.
• Severability: If a provision is unenforceable, it will be modified to the minimum extent necessary or severed, and the rest remains effective.
• No waiver: A failure to enforce a provision is not a waiver.
• Assignment: You may not transfer these Terms without our consent. We may assign them in connection with a reorganization, financing, merger, acquisition, or sale, subject to law.
• No agency: These Terms do not create employment, partnership, joint venture, fiduciary, or agency relationships.
• Force majeure: JTR Labs is not responsible for delay or failure caused by events reasonably beyond its control, including Apple service outages, disasters, network failures, labor actions, war, government action, or widespread infrastructure failure.
• Electronic communications: Website notices and emails may satisfy written-notice requirements where permitted.

We may update these Terms prospectively. Material changes will be posted with a new effective date and, when appropriate, communicated in the App. Continued use after the effective date constitutes acceptance where permitted by law; if you do not agree, stop using the Service.

22. Contact