Terms of Service

1. What Runway Now is

Runway Now is an informational cash-flow planning and organization tool. It shows balances and projections calculated from information you enter yourself. It does not connect to your bank or card accounts, does not move money, make payments or transfers, and does not monitor your real accounts.

2. Not financial advice

Runway Now is not a bank, lender, credit counselor, tax adviser, investment adviser, fiduciary or other financial professional, and nothing in the Service is financial, investment, tax, credit or legal advice. Projections, runway estimates, alerts, card payment plans, 0% promotion schedules and other calculations are mathematical estimates based only on your inputs. They may be incomplete or inaccurate and do not account for charges, holds, fees, interest, timing or terms you haven't entered.

You are solely responsible for your financial decisions and for monitoring your actual accounts, statements, due dates and card terms. Your bank's and card issuer's records and terms control over anything shown in the Service. Consult a qualified professional before making significant financial decisions.

Bill reminders, alerts and notices, including email reminders, are a convenience only. They may be delayed, missing, sent to spam or based on outdated entries. Don't rely on them as your only way to track due dates.

3. Eligibility and your account

You must be at least 18 years old and able to form a binding contract. Provide accurate sign-in information, keep your password secure, and tell us promptly at support@runwaynow.app if you suspect unauthorized access. You are responsible for activity under your account. One person per account.

4. Your data

You own the information, notes and photos you add ("Your Content"). You give us a limited license to host, store, process and display Your Content only to provide and improve the Service for you, as described in the Privacy Policy. You're responsible for Your Content and for having the right to upload it. Keep your own records: export a CSV regularly. We aren't responsible for data you lose through deletion, device storage being cleared, unsynced offline changes, or service interruptions.

5. Receipt scanning and AI features

Receipt scanning uses an AI model to suggest a payee, amount, date and category from a photo you submit. Suggestions can be wrong. They fill a draft only, and nothing is saved until you review it and tap Save, so you are responsible for checking every saved entry. Scanning may be limited per day, changed or unavailable at times.

6. Acceptable use

Don't:

• access another person's account or data, or try to bypass security, row-level access controls or usage limits;
• probe, scan, overload or disrupt the Service, or use bots or scripts to access it other than through normal use of the app;
• upload malware, unlawful content, or content you don't have the right to share;
• use the Service for any illegal purpose, or resell, copy or reverse engineer it except as the law allows.

7. Paid plans

Some features may require a paid plan. The price, billing period and included features are shown before you buy. Prices are in U.S. dollars and exclude taxes unless stated. Payments are processed by our payment processor, whose terms also apply.

Monthly and annual subscriptions renew automatically. If you buy a monthly or annual plan, you authorize us to charge your payment method at the start of each billing period, at the then-current price, until you cancel. We will remind you before an annual plan renews and before a free trial converts to a paid plan, and we will give you notice before any price change takes effect for your plan.

Cancel anytime. You can cancel online in the app's Settings or by emailing support@runwaynow.app. Cancellation stops future renewals. You keep paid features until the end of the period you already paid for. If you cancel during a free trial, you won't be charged.

Refunds. Monthly charges are non-refundable, and we don't give refunds for partial periods. For an annual plan or a lifetime purchase, you may request a full refund within 14 days of the charge by emailing support@runwaynow.app. We may also grant refunds at our discretion or where the law requires. Please contact us before disputing a charge with your bank so we can help.

Lifetime plans. A lifetime plan is a one-time payment for access to the features included in that plan, plus updates to them that we release, for as long as we operate the Service. "Lifetime" refers to the life of the Service, not your life or any fixed period. It applies to one account, can't be transferred, and doesn't include separately priced products or add-ons we may offer later, or usage beyond reasonable limits we set for fair use (such as daily scan limits). If we stop operating the Service, we will give you at least 60 days' notice and a way to export your data.

We may change which features are free or paid. Changes won't reduce the features of a plan you have already paid for during the current billing period or, for lifetime plans, the features that were included when you bought it.

8. Changes, suspension and termination

We may change, add or remove features. You may stop using the Service and delete your account at any time. We may suspend or end your access if you violate these Terms, create risk or legal exposure for us or others, or if we discontinue the Service. Where reasonable, we will give notice and a chance to export your data first. If we end a paid plan without cause, we will refund the unused portion of a subscription. Sections that by their nature should survive termination will survive.

9. Disclaimers

The Service is provided "as is" and "as available". To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, title and non-infringement. We don't warrant that the Service or its calculations will be accurate, complete, uninterrupted, error-free or secure, or that data will never be lost.

10. Limitation of liability

To the fullest extent permitted by law, we and our owners, employees and service providers will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, lost data, overdraft or late fees, interest, penalties, credit score impacts or other financial losses arising from your use of or reliance on the Service, even if we were told they were possible. Our total liability for all claims relating to the Service is limited to the greater of the amount you paid us for the Service in the 12 months before the claim arose or $50.

Some jurisdictions don't allow some of these exclusions or limits, so they may not apply to you. Nothing in these Terms limits liability that can't be limited by law.

11. Indemnity

To the extent permitted by law, you agree to defend and indemnify us against claims, losses and costs (including reasonable attorneys' fees) arising from Your Content, your misuse of the Service or your violation of these Terms or the law.

12. Disputes

Please contact us first at support@runwaynow.app so we can try to resolve any dispute informally within 30 days. Either of us may bring a qualifying claim in small claims court. This doesn't take away consumer protections you have under the law where you live.

13. Changes to these Terms

We may update these Terms. We will post the new version here with a new effective date, and if a change is material we will notify you in the app or by email before it takes effect. Continuing to use the Service after the effective date means you accept the updated Terms.

14. General

These Terms and the Privacy Policy are the entire agreement between you and us about the Service. If any part is unenforceable, the rest remains in effect. Our failure to enforce a term isn't a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition or sale of assets. We aren't liable for delays caused by events beyond our reasonable control.

15. Contact

Runway Now
support@runwaynow.app