Terms of Service

Effective November 6, 2026

These terms are an agreement between you and TallyBeacon LLC ("TallyBeacon", "we" or "us"), and cover your use of TallyBeacon at tallybeacon.com. By creating an account or using the service, you agree to them. If you don't agree, please don't use TallyBeacon.

1. The service

TallyBeacon helps you keep track of your own money: you record accounts and transactions, and it shows balances, upcoming bills and paychecks, forecasts and summaries. It can also read transactions from banks you choose to connect (section 14). TallyBeacon never moves money, and isn't a bank, broker or financial adviser.

2. Not financial advice

Forecasts, suggested payment dates and every other figure TallyBeacon shows are estimates, calculated from the information you entered, imported or connected. They can be wrong, for example if a transaction is missing or a bill changes. Check important figures against your bank and card statements, and don't rely on TallyBeacon alone for financial, tax or legal decisions.

3. Changes to TallyBeacon

We keep improving TallyBeacon, so features may change, be added or be removed, and there may be brief interruptions while we work on it. What each plan includes, and what it costs, is in section 13.

4. Your account

• You must be at least 18 years old to use TallyBeacon.
• Give accurate account details, and keep your password, authenticator app and email account secure. You're responsible for what happens under your account.
• Tell us straight away at [email protected] if you think someone else has got into your account.
• One person per account. Don't share your sign-in with others.

5. Your data

The records you put into TallyBeacon remain yours. You give us permission to store, process and display them only as needed to provide the service to you. Our Privacy Policy explains how we handle your data. You can delete your account yourself at any time (under Account & security in the app), or ask us for a copy of your data.

6. Acceptable use

Please don't:

• try to reach other people's data, or get around TallyBeacon's security or limits;
• attack, overload, scan or disrupt the service, or use automated tools against it (reporting security problems responsibly to [email protected] is welcome);
• use TallyBeacon for anything illegal, or to store other people's financial information without their permission;
• copy, resell or reverse-engineer the service.

7. Ending your use

You can stop using TallyBeacon whenever you like, and delete your account and all its data yourself. We may suspend or close an account that breaks these terms or puts the service or other users at risk; where we reasonably can, we'll tell you first and give you the chance to get a copy of your data. If we ever shut the service down, we'll give you notice and time to export your data.

8. No warranty

TallyBeacon is provided "as is" and "as available". We work to keep it accurate, secure and running, but we can't promise it will always be available, error-free, or that data will never be lost. Keep your own records of anything important.

9. Limitation of liability

To the extent the law allows, TallyBeacon isn't liable for indirect or consequential losses, such as late fees, overdraft charges, interest, or lost profits, arising from your use of the service or from relying on its figures. Our total liability to you for any claim is limited to the amount you paid us in the 12 months before it or US $50, whichever is greater. Some places don't allow these limits, so they may not all apply to you.

10. Governing law

These terms are governed by the laws of the State of Indiana, United States, without regard to its conflict-of-law rules. Any dispute about them or about TallyBeacon will be decided in the state or federal courts located in Indiana, and you and we agree to those courts' jurisdiction. This doesn't take away any rights you have under the consumer-protection laws of the place where you live.

11. Changes to these terms

We may update these terms as TallyBeacon changes. We'll update the date at the top, and for significant changes we'll email you before they take effect. Continuing to use TallyBeacon after that means you accept the new terms.

12. Text messages

If you choose text messages for your sign-in codes, TallyBeacon will text your mobile number a one-time code when you sign in, reset your password or confirm the number. We send nothing else by text: no marketing and no alerts.

• Message frequency varies with how often you sign in. Message and data rates may apply.
• Reply STOP to any message to stop receiving texts. We'll confirm with one final message and send no more; your sign-in codes will then come by email until you choose text messages again.
• Reply HELP for help, or email [email protected].
• You can switch to email or an authenticator app at any time under Account & security.
• Mobile carriers aren't responsible for delayed or undelivered messages.
• How we handle your number is covered by our Privacy Policy. We never share it, or your consent to receive texts, with anyone for marketing.

13. Plans, payment and refunds

TallyBeacon has a free plan, Free, and a paid plan, TallyBeacon Plus. What each includes is shown on our pricing and in the app under Plan & billing. Moving from Plus to Free never deletes anything you've entered.

• Free trial. A new account gets 30 days of Plus free. No payment details are needed, and when the trial ends the account moves to Free unless you've subscribed. Nothing is charged.
• Founding members. Accounts created during the private beta keep Plus free through December 31, 2026. After that they can subscribe at the founding price of US $45 a year, which stays their price for as long as the subscription continues without a break.
• Founding price. Anyone who subscribes by December 31, 2026 pays the founding price of US $3.99 a month instead of US $7.99, or US $45 a year instead of US $79, which stays their price for as long as the subscription continues without a break. Subscribing during a free trial ends the trial and starts the paid period that day.
• Price. Plus is US $7.99 a month or US $79 a year, plus any sales tax, which is shown before you pay. We'll email you at least 30 days before a price change applies to your subscription, and you can cancel before it does.
• Automatic renewal. A subscription renews automatically at the end of each month or year, and the payment method you gave is charged the price for the next period, until you cancel.
• Canceling. You can cancel online at any time, in the app under Plan & billing → Manage billing. Canceling stops the next renewal; you keep Plus until the end of the period you've paid for, and then your account moves to Free.
• Refunds. If you ask within 14 days of a charge, by emailing [email protected], we'll refund that charge in full, and your subscription ends. After 14 days, charges aren't refunded, including for the unused part of a period, except where the law requires.
• Payments. Payments are handled by Stripe, and your card details go to Stripe, not to us. If a payment fails, Stripe will try again for a while and you keep Plus meanwhile; if it still can't be collected, the subscription ends and your account moves to Free.
• Deleting your account cancels your subscription straight away, and nothing more is charged.

14. Connecting a bank

Bank connections are part of the Plus plan. Connecting a bank is optional: you can always add transactions yourself or import files instead.

• Through Plaid. Banks are connected through Plaid Inc. You sign in to your bank in Plaid's window, and your bank sign-in never reaches us. By connecting, you authorize TallyBeacon and Plaid to read the accounts you choose, and you agree that Plaid handles your data under its End User Privacy Policy.
• Read only. TallyBeacon reads account details and posted transactions. It can't move money, pay bills or change anything at your bank.
• Your accounts only. Connect only accounts that are yours, or that you're allowed to give access to.
• You review first. New transactions wait for your review, and only those you accept are added. Check them as you would an imported file.
• Not guaranteed. What we receive comes from your bank through Plaid, and can be late, incomplete or wrong. A connection can also stop, for example when your bank asks you to sign in again. We're not responsible for errors in what your bank or Plaid provides, and we may stop supporting a bank, or bank connections altogether. If we do, what you've already added stays, and file import keeps working.
• Without Plus. If your account moves to Free, syncing pauses. After 30 days without Plus, we end the connection at Plaid and you'd connect the bank again to keep syncing. What you've already added stays.
• Disconnecting. You can disconnect a bank at any time under Bank connections. Our Privacy Policy says what's kept and what's deleted.

15. Contact

Questions about these terms: [email protected]. By phone: 260-203-0207. By mail: TallyBeacon LLC, 6435 W Jefferson Blvd PMB #380, Fort Wayne, IN 46804.