Terms of Use

Effective date: July 10, 2026

These Terms of Use (“Terms”) govern your use of iLoveBills: Bill Tracker, also referred to as iLoveBills (the “App”). The App is provided by Pavel Matveev (“Developer”, “we”, “us”, or “our”). By downloading, accessing, or using the App, you agree to these Terms. If you do not agree, do not use the App.

These Terms supplement Apple’s Standard End User License Agreement where it applies. Mandatory rights under applicable law are not excluded.

1. What the App does

The App helps you record and organize bills, amounts, currencies, dates, payment status, billing periods, categories, notes, attachments, reminders, statistics, and related information.

The App does not pay bills, transfer money, connect to bank accounts, contact billers, verify what you owe, or store card numbers, bank account details, or payment credentials. It is not financial, legal, tax, accounting, credit, or professional advice.

2. Your responsibilities

You are responsible for:

• entering complete and accurate information;
• checking bill amounts, due dates, payment status, and other details against official sources;
• paying every bill on time;
• maintaining another method for tracking important deadlines;
• protecting your device, Apple Account, passcode, backups, and iCloud settings; and
• keeping independent copies of important attachments and records.

3. Reminders and notifications

IMPORTANT: REMINDERS ARE A CONVENIENCE FEATURE, NOT A GUARANTEE.

The App may schedule reminders and system notifications before or after a due date. Notification delivery is controlled by iOS and may be delayed, disabled, blocked, removed, or not delivered because of notification permissions, Focus modes, device settings, time-zone changes, operating-system behavior, connectivity, low-power conditions, app updates, deletion or offloading of the App, bugs, or other circumstances.

Purchasing a paid feature does not guarantee notification delivery. You remain solely responsible for checking due dates and paying bills on time. Do not rely on the App as your only reminder method.

4. Statistics and exchange rates

Statistics, summaries, comparisons, trends, forecasts, smart insights, totals, and currency conversions are generated from information available to the App, including data you enter and exchange rates from third-party services. They are provided for informational and organizational purposes only and may be incomplete, delayed, rounded, or inaccurate.

Historical patterns, estimates, and insights do not guarantee future bill amounts, payment behavior, savings, or other outcomes. The App does not provide financial, legal, tax, accounting, credit, investment, or other professional advice. Verify important information independently before making a decision or payment.

5. Storage, iCloud Sync, and attachments

App data is stored on your device. If you enable iCloud Sync, the App synchronizes data through the private CloudKit database associated with your Apple Account.

iCloud Sync is a synchronization feature, not a guaranteed backup or archival service. Synchronization may be delayed, interrupted, incomplete, or unavailable because of Apple services, network conditions, storage limits, account settings, device configuration, software updates, conflicts between devices, bugs, or other circumstances.

Changes and deletions made on one synchronized device may be transferred to other devices. Data may be duplicated, overwritten, unavailable, corrupted, or lost.

You are responsible for reviewing synchronized information, keeping independent copies of important bills, receipts, attachments, and other records, and ensuring that you have the right to store content you add. Any liability related to data loss or synchronization failure is subject to Section 11.

6. One-time purchase of iLoveBills Pro

The App may offer optional paid features under the name iLoveBills Pro through a one-time, non-consumable in-app purchase. There is no recurring subscription unless the App Store purchase screen clearly states otherwise.

Apple processes payments, taxes, purchase restoration, and refund requests under Apple’s terms and applicable law. We do not receive your full payment-card details. A purchase does not create a guarantee that the App or any feature will always be uninterrupted, error-free, or available on every future device or operating-system version.

7. Apple and third-party services

The App may use Apple services, including StoreKit, iCloud/CloudKit, and iOS notifications, and may access a third-party exchange-rate service. Those services are governed by their own terms and privacy practices and may change, fail, or become unavailable.

We are not responsible for third-party services, their content, accuracy, availability, security, or actions, except where applicable law requires otherwise.

8. Permitted use

You receive a limited, personal, non-exclusive, non-transferable license to use the App on Apple devices you own or control, subject to Apple’s usage rules.

You may not misuse the App, interfere with its operation, attempt unauthorized access, use it unlawfully, or copy, modify, reverse engineer, redistribute, or resell it except where applicable law expressly permits.

9. Availability and changes

We may correct errors, release updates, change features, or discontinue all or part of the App. We do not promise continuous support, uninterrupted operation, or compatibility with every device, region, Apple service, or operating-system version.

10. Disclaimer of warranties

To the maximum extent permitted by law, the App is provided “as is” and “as available”, with all faults and without warranties of any kind. We do not warrant that the App will be accurate, secure, uninterrupted, error-free, preserve all data, deliver notifications, prevent missed payments, or meet every user’s requirements.

Some jurisdictions do not allow certain warranty exclusions, so these exclusions may not fully apply to you.

11. Limitation of liability

To the maximum extent permitted by applicable law, the Developer is not liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss resulting from:

• missed or late payments;
• late fees, penalties, interest, overdraft charges, service suspension, credit consequences, or other financial loss;
• delayed, disabled, blocked, or undelivered reminders or notifications;
• inaccurate or incomplete information entered by the user;
• inaccurate statistics, insights, forecasts, totals, or exchange rates;
• loss of data, synchronization conflicts, unavailable attachments, or failures of iCloud or other third-party services; or
• decisions made in reliance on the App.

If, despite the limitations above, the Developer is found liable for any claim arising from or relating to the App, the Developer’s total aggregate liability to you will not exceed the greater of:

• the amount you paid for the App or its paid features during the 12 months preceding the event giving rise to the claim; or
• USD 50.

This limitation applies to all claims relating to the App, regardless of the legal basis of the claim.

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, including liability for fraud, willful misconduct, or any other liability that applicable law does not permit to be limited. Mandatory consumer rights remain unaffected.

12. Applicable law and dispute resolution

These Terms are governed by applicable law.

Any dispute arising out of or relating to these Terms or the App will be resolved by a court of competent jurisdiction, subject to any mandatory rights and remedies available to you under applicable law.

Nothing in these Terms limits any non-waivable consumer rights, including any right under applicable law to rely on the laws of, or bring a claim before the courts of, your country of residence.

13. Changes, language, and contact

We may update these Terms. Material changes may be communicated in the App or through the website. Updated Terms will apply from the effective date stated in the updated version, subject to applicable law.

Translations are intended to have the same meaning. If versions conflict, the English version controls only to the extent permitted by applicable law.

Questions about these Terms may be sent to:

Pavel Matveev
Email: paulbrandbusiness@gmail.com