Terms of service.

By creating a Twiggybank account, you agree to these terms. If you don’t agree to them, don’t use Twiggybank. If you use Twiggybank on behalf of a family, you agree to these terms on behalf of every member you add.

These terms incorporate our Privacy Policy and Children’s Privacy Notice by reference. Read them too.

You must be at least 18 years old (or the age of majority in your jurisdiction) to create a Twiggybank account as a parent. Children may use Twiggybank only as part of a family created by a parent who has consented on their behalf.

Twiggybank is intended for personal, family use. Don’t use it to run a business, a club’s books, or anyone else’s finances.

You are responsible for keeping your account credentials safe and for everything that happens under your account. Tell us immediately if you suspect unauthorized access (security@twiggybank.com).

You agree to provide accurate information when creating your account and to keep it current. We may suspend or close accounts that contain materially false information.

You own the ledger you create inside Twiggybank. We claim no ownership over your family data. We hold and process it on your behalf so that the app works.

You grant us a limited license to store, transmit, and display your data to operate the service. That’s it — we don’t use it for anything else.

Don’t use Twiggybank to:

• Break any law or harm anyone.
• Try to access another family’s data, or to circumvent the row-level security that keeps families isolated.
• Probe, scan, or test the vulnerability of the service without our prior written permission (other than reporting a found issue to security@twiggybank.com, which we welcome).
• Scrape, harvest, or otherwise extract data from the service in bulk by automated means.
• Misuse the service to harass, threaten, or harm a child — including misuse by a parent of their own family’s app.

We reserve the right to suspend or terminate accounts that violate these rules, with or without notice depending on the seriousness of the violation.

We work hard to keep Twiggybank running, but we cannot promise uninterrupted service. Maintenance, upgrades, third-party outages, and the occasional bug all happen. We will not be liable for losses caused by service unavailability, but we will tell you about it when we can.

You can close your family account at any time from the app settings, or by emailing us. We can close your account if you violate these terms or use the service in a way that creates legal or operational risk.

On termination, your data is handled as described in the Privacy Policy.

Twiggybank is provided “as is” and “as available.” To the fullest extent permitted by law, we disclaim all warranties, whether express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement.

Nothing in Twiggybank constitutes financial, investment, tax, or legal advice. Decisions you make about your family’s real money are your own.

To the fullest extent permitted by law, our total liability to you for any claim arising out of or relating to Twiggybank is limited to the amount you have paid us in the twelve months preceding the event giving rise to the claim — or, if you haven’t paid us anything, one hundred US dollars (whichever is greater).

We are not liable for indirect, incidental, special, consequential, or punitive damages, including lost data, lost profits, or lost goodwill, even if we knew such damages were possible.

These terms are governed by the laws of the State of California, excluding its conflict-of-laws rules. Any dispute arising out of or relating to these terms will be brought in the state or federal courts located in San Francisco County, California, and you and we each consent to the personal jurisdiction of those courts.

We’ll update these terms from time to time. When the changes are material, we’ll notify you by email or in the app at least 14 days before they take effect. Continued use of Twiggybank after the effective date means you accept the new terms; if you don’t, you can close your account first.

Questions about these terms: hello@twiggybank.com. Legal notices may be sent to the same address.