Terms of Service

Last updated: November 10, 2026

1. Acceptance of These Terms

These Terms of Service ("Terms") govern your access to and use of the IncomeSync application, website, related services, and associated features (collectively, the "Service") provided by IncomeSync L.L.C. ("IncomeSync," "we," "us," or "our").

By downloading, installing, accessing, creating an account for, or using the Service, you acknowledge that you have read and agree to these Terms.

If you do not agree to these Terms, do not use the Service.

2. Eligibility

The Service is intended for individuals who are 18 years of age or older.

By using the Service, you represent that you are at least 18 years old and legally capable of entering into a binding agreement.

The Service is not intended for children under 18.

3. Business Information

The Service is provided by:

For questions, support, or notices concerning the Service, contact:

support@incomesync.app

4. Description of the Service

IncomeSync is a Windows application that helps users organize and manage household financial information, including information relating to jobs, paychecks, bills, debts, and related financial planning.

IncomeSync stores household financial information locally on the user's Windows computer. IncomeSync does not store users' household financial records on its servers.

Sign-in, subscription management, support, and other account functions use third-party service providers, as described in the Privacy Policy.

5. Software License

Subject to your compliance with these Terms, IncomeSync grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable license to install and use the IncomeSync software for your personal, lawful use.

You may not:

• copy or reproduce the software except as permitted by applicable law;
• modify, adapt, translate, or create derivative works of the software;
• reverse engineer, decompile, disassemble, or attempt to discover the source code, except to the extent such restriction is prohibited by applicable law;
• remove copyright, trademark, or proprietary notices;
• distribute, sell, sublicense, lease, rent, or commercially exploit the software;
• use the software to provide unauthorized services to third parties; or
• interfere with the security, operation, or integrity of the Service.

All rights not expressly granted to you are reserved by IncomeSync.

6. Local Storage of Financial Information

Household financial information is stored locally on your Windows computer, including information relating to:

• paychecks;
• jobs;
• bills;
• debts;
• financial calculations; and
• other information entered into the application.

This data is encrypted using AES-256-GCM, and the encryption key is protected by Windows for your Windows account.

This data is never uploaded to IncomeSync, except information you choose to send us yourself, such as a screenshot attached to a support request.

7. Backups and Recovery Keys

IncomeSync saves an encrypted backup on your computer each time you close the application and keeps your 10 most recent backups.

The recovery key is generated on your computer and is not sent to or stored by IncomeSync.

IncomeSync cannot view, recover, reset, or recreate your recovery key.

If you lose your recovery key or your backups, IncomeSync cannot restore your encrypted data.

You are responsible for keeping copies of your backups and storing your recovery key securely.

To the extent permitted by law, IncomeSync is not responsible for loss of access to data caused by your failure to keep your backups or your recovery key.

8. User Responsibility for Data

You are responsible for:

• the accuracy of information you enter into the Service;
• keeping appropriate backups;
• keeping your recovery key;
• protecting your Windows device and account credentials;
• deciding who has access to your computer and exported data; and
• reviewing information generated by the Service before relying on it.

Do not rely on IncomeSync as your only copy of important financial records.

9. Google Calendar Integration

IncomeSync offers an optional integration with Google Calendar.

If you turn it on and grant the Google permissions requested, IncomeSync creates and manages a separate "IncomeSync" calendar in your Google account, containing information such as:

• paydays;
• person or job information associated with a payday;
• paycheck amounts;
• bill due dates;
• bill names and amounts;
• subscription renewal information; and
• optional reminders.

Google limits IncomeSync to the calendars it creates: IncomeSync cannot see or change your other calendars or their events.

Google Calendar data and your use of Google services are also subject to Google's terms and privacy policies.

You can disconnect the integration in the application at any time and choose whether to delete the IncomeSync calendar. You can also revoke IncomeSync's access from your Google Account settings.

10. Shared and Exported Information

Information you export, share, sync, or otherwise make available outside the IncomeSync application, such as exported files, backups, shared calendars, screenshots, or support submissions, can be seen by the people and services you share it with.

IncomeSync does not control how a recipient uses information after you share it outside the Service.

11. IncomeSync Free and Plus

IncomeSync is free to use, with no account ("IncomeSync Free"). IncomeSync Plus adds the features described on our website, such as more than one person in a household, Google Calendar sync and full Insights. Plus is a subscription and requires an account.

Plus costs $4.99 per month or $49.99 per year, depending on the plan you choose, plus any applicable sales tax. There is no free trial: you subscribe on our website, and your subscription starts, and you are billed, on the day you subscribe. It renews automatically until you cancel.

If your subscription ends, you keep using IncomeSync Free. Everything you entered stays on your computer; features that need Plus stop until you subscribe again.

A free trial started in an earlier version of the application (before 1.9.0) runs to its end, needs no cancellation, and is never charged.

If a different offer is shown at checkout, the terms shown at checkout apply to that subscription.

We email you before each renewal.

The checkout page shows the price, billing period and first charge date before you enter payment information.

12. Billing and Payment Processing

Subscriptions purchased through the IncomeSync website are sold through Link (Stripe Managed Payments), a Stripe service. Link charges your payment method, calculates and collects any applicable sales tax, and keeps the payment and billing information needed to process your subscription. The charge appears on your statement as "link.com * IncomeSync" or similar.

You enter your payment details on Stripe's checkout page. IncomeSync never receives your card details.

IncomeSync L.L.C. remains responsible for the Service, including refunds under the Refund Policy.

Microsoft does not process subscriptions purchased through the IncomeSync website.

13. Cancellation

You can cancel your subscription at any time from your account page.

• After you cancel you will not be charged again, and you keep access until the end of the period you have paid for.
• Cancelling does not by itself refund a charge. Refunds are handled under the Refund Policy.
• Closing your IncomeSync account cancels your subscription immediately.

14. Refunds

Refunds are governed by the IncomeSync Refund Policy, which provides a 14-day money-back period after a subscription purchase or renewal.

Nothing in the Refund Policy limits any consumer rights that cannot be waived under applicable law.

15. Microsoft Store Distribution

IncomeSync is distributed through the Microsoft Store as a free download. The application does not offer purchases through the Microsoft Store.

Subscriptions are purchased through the IncomeSync website and sold through Link (Stripe Managed Payments), as described in Section 12.

16. Financial and Tax Disclaimer

IncomeSync provides calculations, estimates, projections, reminders, organizational tools, and other information relating to household finances.

The Service is not tax, accounting, financial, investment, legal, or other professional advice.

Tax withholding calculations, refund estimates, projections, and similar results are estimates based on the information you enter and the assumptions used by the application.

Your actual tax liability, refunds, withholding, and other financial outcomes may differ.

You are responsible for reviewing any result before relying on it. For tax, legal, accounting, or financial advice, consult a qualified professional.

17. Third-Party Services

IncomeSync uses third-party providers, including Google, Google Firebase, Stripe, and Google Calendar.

These services handle information under their own terms and privacy policies.

IncomeSync is not responsible for the independent practices, availability, security, or policies of third-party services.

18. Intellectual Property

The Service, including its software, design, interface, content, trademarks, logos, documentation, and other proprietary materials, is owned by or licensed to IncomeSync and is protected by applicable intellectual-property laws.

These Terms do not transfer ownership of the Service to you.

19. Prohibited Use

You may not use the Service to:

• violate applicable laws or regulations;
• interfere with the Service or its security;
• attempt unauthorized access;
• distribute malware;
• reverse engineer the Service except where legally permitted;
• infringe another person's rights;
• misuse another person's financial information;
• circumvent subscription controls; or
• use the Service for fraudulent or unlawful purposes.

20. Security

IncomeSync uses reasonable measures to protect information under its control, as described in the Privacy Policy and on our Security page.

However, no computer system, software, Internet transmission, or storage method is completely secure.

You are responsible for the security of your device, operating system, account credentials, backups, and recovery key.

21. Disclaimer of Warranties

To the maximum extent permitted by applicable law, the Service is provided on an "AS IS" and "AS AVAILABLE" basis, and IncomeSync disclaims all warranties, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

IncomeSync does not warrant that the Service will:

• always be available;
• be uninterrupted;
• be error-free;
• meet every user's requirements;
• produce completely accurate financial or tax calculations; or
• prevent every possible loss of data.

Nothing in these Terms excludes warranties or rights that cannot legally be excluded.

22. Limitation of Liability

To the maximum extent permitted by applicable law, IncomeSync will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, including loss of profits, loss of business opportunities, or loss of data, arising from or relating to use of the Service.

To the maximum extent permitted by applicable law, IncomeSync's total aggregate liability arising from or relating to the Service will not exceed the greater of:

• the amount you paid to IncomeSync for the Service during the twelve (12) months preceding the event giving rise to the claim; or
• US $100.

This limitation does not apply to liability that cannot legally be limited or excluded under applicable law.

23. Indemnification

To the extent permitted by applicable law, you agree to defend, indemnify, and hold harmless IncomeSync and its officers, members, employees, and service providers from claims, liabilities, damages, losses, and expenses arising from your unlawful use of the Service, violation of these Terms, or violation of another person's rights.

24. Suspension and Termination

IncomeSync may suspend or terminate access to the Service where reasonably necessary to address fraud, abuse, security risks, unlawful activity, or material violations of these Terms.

You may stop using the Service at any time.

Provisions of these Terms that by their nature continue after termination, including Sections 16 and 21 through 26, remain in effect.

25. Changes to These Terms

IncomeSync may update these Terms from time to time.

If we make material changes, we will notify you by email and in the application before they take effect.

The "Last updated" date at the top of these Terms is the date they take effect.

Your continued use of the Service after that date means you accept the updated Terms, except where applicable law requires your affirmative consent, in which case we will ask for it.

26. Governing Law and Venue

These Terms are governed by the laws of the State of Michigan, without regard to conflict-of-law principles, except to the extent that applicable law provides otherwise.

Subject to any mandatory consumer-protection or other non-waivable legal rights, disputes will be brought in the state or federal courts located in Michigan with appropriate jurisdiction.

Nothing in this section prevents a consumer from exercising rights that cannot legally be waived or restricted by contract.

27. No Mandatory Arbitration

These Terms do not require arbitration and do not include a class-action waiver. Disputes are handled as described in Section 26.

28. Electronic Agreement

Accepting these Terms electronically, including at checkout or in the application, is a binding acceptance of this agreement where permitted by law.

IncomeSync keeps a record of when you accepted these Terms.

29. Severability

If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will remain in effect to the extent permitted by law.

30. Entire Agreement

These Terms, together with the Privacy Policy and Refund Policy, are the entire agreement between you and IncomeSync concerning the Service.

31. Contact

Questions regarding these Terms may be directed to:

Email: support@incomesync.app