Pennyminder Terms of Service

Pennyminder Financial Software Inc. ("Pennyminder") provides Pennyminder.com and its related services ("Service") subject to your compliance withe the terms and conditions ("Terms of Service") set forth below. Please read the following carefully.

Pennyminder reserves the right to update and modify the Terms of Service at any time without notice. New features that may be added to the Service shall be subject to the Terms of Service. Should you continue to use the Service after any such modifications have been made, this shall constitute your agreement to such modifications. You may always view the most recent copy of the Terms of Service here: http://www.pennyminder.com/terms-of-service

Violation of any part of the Terms of Service will result in termination of your account.

1. Account Terms

   1. You must be 13 years or older to use this Service.
   2. You must provide a valid email address, and any other required information to complete the sign-up process.
   3. You are responsible for maintaining the privacy and security of your account. Pennyminder will not be held liable for any damage or loss that may result from your failure to protect your login information, including your password.
   4. One person may not maintain more than one free account.

2. Payment and Access

   1. A credit card is not required to create or use an account. A valid credit card is required for certain optional additional products and services.
   2. Fees charged for optional products and services are non-refundable. No exceptions will be made.
   3. All fees are are in Canadian dollars. GST is charged for Candian customers. You alone are responsible for payment of any additional taxes or duties imposed by governing authorities.

3. Modifications to the Service and Fees

   1. Pennyminder reserves the right to modify, suspend, or discontinue the Service at any time for any reason with or without notice.
   2. Pennyminder reserves the right to change our monthly fees upon 30 days notice from us. Fee change notices may be posted to the Service or on the Pennyminder website: http://www.pennyminder.com

4. Cancellation and Termination

   1. You alone are responsible for the proper cancellation of your account. You may cancel your account at any time by deleting any and all journals you have sole access to. You should not delete journals which are shared with other people if those other people wish to continue their use of the Service.
   2. You can cancel at any time.
   3. Pennyminder reserves the right to modify, suspend, or terminate your account at any time for any reason without notice or refund. We also reserve the right to delete all Content associated with your account. Pennyminder may refuse service to anyone for any reason at any time.

5. Copyright and Ownership

   1. Pennyminder or its suppliers own the intellectual property rights to any and all protectable components of the Service, including but not limited to the name of the Service, artwork and end-user interface elements contained within the Service, many of the individual features, and the related documentation. You may not copy, modify, adapt, reproduce, distribute, reverse engineer, decompile, or dissemble any aspect of the Service which Pennyminder or its suppliers own.
   2. Pennyminder claims no intellectual property rights over the Content you upload or provide to the Service. However, by using the Service to send Content, you agree that others may view and share your Content.

6. General Conditions

   1. Your use of the Service, including any content, information or functionality contained within it, is provided "as is" and "as available" with no representations or warranties of any kind, either expressed or implied, including but not limited to, the implied warranties of merchantability, fitness for a particular purpose, and non-infringement. You assume total responsibility and risk for your use of this Service.
   2. You agree not to resell, duplicate, reproduce or exploit any part of the Service without the express written permission of Pennyminder.
   3. You may not use the service to store, host, or send unsolicited email (spam) or SMS messages.
   4. You understand that the Service can be used for transmission of your Content, and that during processing, your Content, including invoices, payment reminders, and personal messages, may be transferred unencrypted over the internet.
   5. You may not use the service to transmit any viruses, worms, or malicious content.
   6. Pennyminder makes no warranties regarding (i) your ability to use the Service, (ii) your satisfaction with the Service, (iii) that the Service will be available at all times, uninterrupted, and error-free (iv), the accuracy of mathematical calculations performed by the Service, and (v) that bugs or errors in the Service will be corrected.
   7. Pennyminder, its affiliates and its sponsors are neither responsible nor liable for any direct, indirect, incidental, consequential, special, exemplary, punitive or other damages arising out of or relating in any way to your use of the Service. Your sole remedy for dissatisfaction with the Service is to stop using the Service.
   8. If any provision of the Terms of Service is held invalid or otherwise unenforceable, the enforceability of the remaining provisions shall not be impaired thereby.
   9. The failure of Pennyminder to exercise any right provided for herein shall not be deemed a waiver of any right hereunder. The Terms of Service sets forth the entire understanding between you and Pennyminder as to the Service and supercedes any prior agreements between you and Pennyminder (including, but not limited to, prior versions of the Terms of Service).
   10. Any questions regarding the Terms of Service should be addressed to support at pennyminder dot com.