Terms of Service
Last updated: April 5, 2026
What PayAnchor Is
PayAnchor is a personal budgeting tool that helps you plan paychecks and track bills. It is not a bank, financial institution, or investment service.
Acceptance of Terms
By creating an account or using PayAnchor, you agree to these terms. If you do not agree, please do not use the service.
Your Account
You are responsible for keeping your login credentials secure. You must provide accurate information when creating your account. You must be at least 18 years old to use PayAnchor.
What We Provide
PayAnchor provides paycheck forecasting and bill tracking tools for personal use. Forecasts and cushion amounts are estimates based on the information you provide. We do not guarantee accuracy and you should verify all figures independently.
No Financial Advice
PayAnchor does not provide financial, legal, tax, or investment advice. Nothing in the app should be considered professional financial guidance. Always consult a qualified professional for important financial decisions.
Subscriptions and Billing
PayAnchor offers a free plan and a paid Pro plan billed monthly or annually through Stripe. You may cancel anytime from Settings. Your Pro access continues until the end of your current billing period. We offer a full refund within 24 hours of your first charge. After that, refunds are not available for the current billing period.
Termination
You may delete your account anytime from Settings. We may suspend or terminate accounts that violate these terms.
Changes to Terms
We may update these terms from time to time. We will notify you of significant changes via email or in-app notice. Continued use of PayAnchor after changes means you accept the updated terms.
Contact
Questions? Email support@payanchor.app