Terms of Service

Last updated 9 November 2026

Before BillMunch opens to the public we'll add the registered name and address of the business that runs it. Everything else here describes the app as it works today.

The short version

• BillMunch helps you and your household keep track of bills, spending, money in, budgets and savings goals. It's a record book, not a bank: it never moves money.
• What you enter is yours. You can download it or delete your account at any time.
• The Free plan stays free. Pro is free while it's in beta, and we'll tell you before we ever charge anything.
• Be kind to the service and to the people in your household.

Who these terms are with

These terms are an agreement between you and BillMunch (“we”, “us”), based in the Philippines. By creating an account or using BillMunch at billmunch.app, you agree to them and to our Privacy Policy. If you don't agree, please don't use BillMunch.

Who can use BillMunch

• You must be at least 18 years old, because BillMunch is for managing household money.
• One account is for one person. Please don't share your sign-in with anyone, even someone in your household: invite them instead so they get their own sign-in.

Your account and signing in

• You sign in with a Google account or with a 6-digit code we email you. You can add or remove sign-in methods in Settings → Sign-in methods, but you always keep at least one.
• Keep your Google account and your email inbox safe. Anyone who can get into them can get into your BillMunch account.
• A sign-in lasts up to 30 days on a device unless you sign out. If you think someone else got in, tell us at hello@billmunch.app.
• Please give a real name for yourself, since the people in your household see it next to what you add and pay.

Households

• Every account belongs to exactly one household. When you sign up you get your own, with you as its owner.
• The owner can invite people with a link. Each link works once, for 7 days, and the owner can cancel it before then. Only share it with the person it's for.
• Everyone in a household can see, add, change, pay and delete the household's records, and can see each member's name, email and photo. Only invite people you trust with your household's money.
• Only the owner can invite and remove people and change the household's settings, such as its currency. Anyone can leave a shared household at any time. If the owner leaves, another member becomes the owner.
• When someone leaves or is removed, the shared records stay with the household, and that person starts a new, empty household of their own.
• You're responsible for having the OK of anyone whose details you enter, for example a family member's bills.

Free and Pro

• Free costs nothing and has no time limit. It includes a household of 2 people, up to 10 bills a month, 3 payment methods, 2 savings goals, 5 budgets and your last 3 months of history. Logging expenses, paying bills, the 6-month cash flow chart, exchange rates and downloading your data are never limited.
• Pro removes those limits and adds up to 6 people in a household, your own categories and CSV downloads.
• Trial: a new household gets Pro free for 14 days. There's one trial per person and per email address, including if you delete your account and sign up again with the same email. When the trial ends you go back to Free on your own; nothing is charged.
• Beta: payments aren't open yet. While Pro is in beta, people we add to the beta use it free. When payments open (planned at ₱49 a month or ₱499 a year, through GCash, Maya or QR Ph), we'll show the price and terms in the app first, and you'll only pay if you choose to.
• Going back to Free never deletes anything. If you have more than Free allows, the oldest items up to each limit stay editable and the rest become read-only. You can still pay, use and remove them, and they become editable again if you go back to Pro. History older than Free's 3 months is kept, just not shown.
• We may change what each plan includes. If a change takes something away from you, we'll tell you in the app at least 30 days before it happens, and it won't delete your records.

Your data

• What you put into BillMunch stays yours. We only use it to run BillMunch for your household, as explained in the Privacy Policy. We don't sell it and we don't show ads.
• Settings → Download my data gives you everything in your household as a file, on any plan.
• Settings → Delete account removes your account. If you're alone in your household, the household and all its records go too. If others share it, the shared records stay with them, with your name and email taken off.
• Please don't enter card numbers, PINs, passwords or bank logins. BillMunch never asks for them.

Not financial advice

BillMunch is a record-keeping tool. It doesn't move money, pay bills for you, or connect to your bank, card or e-wallet. Totals, carried balances, due dates and reminders are only as accurate as what's entered, so check important amounts and dates with your bank or biller. Exchange rates are general, approximate rates from public sources, not the rate your bank or remittance service will give you. Nothing in BillMunch is financial, tax or legal advice.

Fair use

Please don't use BillMunch to:

• break the law, or store anything illegal or anything you have no right to store;
• get into other people's accounts or households, or test BillMunch's security without our written OK;
• overload, scrape, copy or attack the service, or get around plan limits or the one-trial-per-person rule;
• harass or harm the people you share a household with.

If you do, we may limit or close your account. Unless it's urgent or the law stops us, we'll tell you why first.

The app itself

• BillMunch works in your browser and can be installed on your phone or computer. It keeps a copy of your household's latest data on your device so you can look at it offline. Signing out removes that copy.
• The BillMunch name, logo, squirrel mascot and app design belong to us. You can use the app, but not copy or reuse these.
• We're improving BillMunch all the time, so features can change. The app tells you what's new when you update.

When things go wrong

We work hard to keep BillMunch running and your data safe, but we can't promise it will always be available or free of mistakes. BillMunch is offered “as is”. As far as Philippine law allows, we're not responsible for indirect losses, such as a late fee from a bill you forgot to check, and our total responsibility to you is limited to what you paid us in the 12 months before the problem, or ₱1,000 if you paid nothing. Nothing here limits your rights under the Consumer Act of the Philippines or our responsibility for fraud, bad faith or gross negligence.

Ending your use

You can stop using BillMunch and delete your account at any time. If we ever close BillMunch, we'll give you at least 30 days' notice in the app so you can download your data.

Changes to these terms

If these terms change, we'll update the date above. For important changes we'll tell you in the app before they take effect. If you keep using BillMunch after that, the new terms apply.

Law and questions

These terms are governed by the laws of the Philippines. If something goes wrong, please write to us first at hello@billmunch.app and we'll try to sort it out together.

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