Terms of Service

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. Price and length are shown before you confirm. How you are billed depends on where you subscribed:

• iPhone app: Apple In-App Purchase. Payment is charged to your Apple ID at confirmation. The subscription renews automatically unless you cancel at least 24 hours before the end of the current period. Manage or cancel in iPhone Settings → Apple ID → Subscriptions.
• Android app: Google Play Billing. Payment is charged to your Google account at confirmation. The subscription renews automatically unless you cancel at least 24 hours before the end of the current period. Manage or cancel in Google Play → Payments & subscriptions → Subscriptions.
• Website: Stripe. Cancel anytime from Settings → Manage subscription. For website charges, we offer a full refund within 24 hours of your first charge. After that, refunds are not available for the current billing period.

Your Pro access continues until the end of the current billing period. Deleting your PayAnchor account does not cancel an App Store or Google Play subscription — cancel in those stores to stop billing. Apple and Google refunds follow those stores' policies.

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