Terms of Service

EmerWorth is a budgeting, planning, and tracking service that allows users to plan income and spending, record actual amounts, and compare planned and actual results. The Service includes monthly budgeting and collaboration features. Access to these features is subject to the subscription, free trial, and invitation-based access requirements described in these Terms.

We may update, modify, or improve the Service over time. Available features may change as described in these Terms, subject to applicable law.

You must be at least 13 years old to use EmerWorth. If you are under the age of majority where you live, you may use the Service only with the permission of a parent or legal guardian.

You must provide accurate and current information when creating and maintaining your account. You are responsible for keeping your login credentials secure and for activity that occurs through your account.

You must not share your login credentials with others or allow another person to use your account. Each user must access Budget Spaces through their own account, including when collaborating with others.

If you believe your account has been accessed without your permission or your login credentials have been compromised, you should notify us promptly.

Access to EmerWorth generally requires an active subscription or an active free trial. Users invited to a Budget Space may access that Budget Space's monthly budgeting features while the Budget Space's owner has an active subscription or free trial. Access to other features may require invited users to have their own active subscription or free trial. New subscribers may receive a free trial as shown at checkout. A payment method is required to start a trial. You will not be charged until the trial ends, at which point your subscription will automatically become paid unless you cancel before the trial expires.

Payments are processed by Stripe, which acts as the merchant of record. Stripe calculates and collects applicable taxes at checkout based on your location. Current prices and plan details are shown on the billing page. We may change pricing from time to time and will provide notice of price changes as required by applicable law.

Subscriptions automatically renew for successive monthly or annual billing periods, depending on the plan selected, until cancelled. If you cancel your subscription, you will retain access until the end of your current paid billing period (or until the trial ends, if you cancel during a trial).

When your subscription or trial ends while your account remains active, Budget Spaces you own will become paused. You and your members may continue viewing existing budget data, but adding, editing, or removing budgeting information will be unavailable until you renew your subscription or begin another eligible trial. You may continue accessing Budget Spaces owned by other users while those spaces remain active and you retain permission to access them. Budget data will not be deleted solely because a subscription has ended, but remains subject to our account deletion and data retention policies. Additional cancellation and refund terms are described in our Refund & Cancellation Policy.

You agree not to:

• Use the Service for unlawful, fraudulent, or abusive purposes.
• Attempt to access another user's account, data, or Budget Spaces without authorization.
• Interfere with or disrupt the Service, its security, or other users.
• Introduce malicious code or other harmful content into the Service.
• Reverse engineer, scrape, or attempt to gain unauthorized access to the Service or its underlying systems, except where permitted by applicable law.
• Misuse invitations, Budget Spaces, or other features to spam, harass, or harm others.
• Use the Service in any way that could damage, disable, overburden, or impair its operation.

You retain ownership of the budget data you enter. You grant us a limited license to host, process, and display that data solely to operate the Service and make it available to you and other authorized members of your Budget Spaces.

When you collaborate in Budget Spaces, that collaboration has important consequences:

• Owners can invite people as Editors or Viewers.
• Invited users may see income, expenses and planned amounts.
• Editors can add, change, or remove information according to their permissions.
• Viewers can view but not modify information.
• Access to a Budget Space's editing and member management features depends on the Budget Space owner's subscription or trial status. If the Budget Space becomes paused, members may continue viewing existing budget data, but editing and other restricted actions will be unavailable until access is restored.
• You are responsible for deciding whom you invite and which role they receive.
• To the extent permitted by law, EmerWorth is not responsible for actions authorized collaborators take within their assigned permissions.
• If you own a Budget Space and delete your account, that Budget Space and all data associated with it will be permanently deleted for all members.
• If you are an Editor or Viewer of a Budget Space owned by another user, deleting your account will not delete that Budget Space or the budget data you previously contributed to it. Your account will no longer be associated with those contributions after deletion.

EmerWorth is a budgeting, planning, and tracking tool and is provided for informational purposes only. It does not provide financial, investment, tax, accounting, or legal advice.

Any calculations, reports, comparisons, or other information provided through the Service should not be considered professional advice. You are responsible for evaluating the information provided and for any financial or other decisions you make based on your use of the Service.

We aim to keep the Service available and reliable, but we do not guarantee uninterrupted or error-free operation. The Service may occasionally be unavailable due to maintenance, technical issues, or circumstances beyond our control.

We may modify, add, remove, or discontinue features of the Service from time to time as the product evolves.

To the fullest extent permitted by law, the Service is provided "as is" and "as available" without warranties of any kind, whether express, implied, or statutory.

We do not warrant that the Service will always be accurate, complete, available, secure, or free from errors or interruptions. You are responsible for reviewing the accuracy of information you enter into or receive through the Service.

To the fullest extent permitted by law, EmerWorth and its operators will not be liable for indirect, incidental, special, consequential, or punitive damages, or for loss of profits, data, or goodwill, arising from or related to your use of, or inability to use, the Service.

You may stop using the Service and delete your account at any time. We may suspend or terminate your access to the Service if you violate these Terms, misuse the Service, or if suspension or termination is reasonably necessary to protect EmerWorth, its users, or the security and operation of the Service.

When you delete your account, every Budget Space you own and all data in those Budget Spaces are permanently deleted for every member. If you have an active subscription, it is canceled as part of account deletion.

If you are an Editor or Viewer of a Budget Space owned by someone else, deleting your account will not delete that Budget Space or the budget data you previously contributed to it. Your account will simply no longer be associated with those contributions.

Account deletion does not affect any rights or obligations that arose before deletion. Additional information about how we handle personal information following account deletion is described in our Privacy Policy.

Your privacy is important to us. Our collection, use, storage, and disclosure of personal information in connection with the Service are described in our Privacy Policy.

We may update these Terms from time to time. When we do, we will update the "Last updated" date on this page.

If we make material changes, we will provide notice as required by applicable law. We may also require you to review and accept the updated Terms before continuing to use some or all of the Service.

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable in Ontario, without regard to conflict of law principles.

Nothing in these Terms limits any rights or protections you may have under applicable consumer protection laws that cannot be excluded by agreement.

If you have questions about these Terms or the Service, you can contact us at support@emerworth.com.