Terms and Conditions
These Terms and Conditions govern your use of My Bills. By downloading, purchasing or using the app, you agree to them. Nothing in these terms removes any statutory consumer right or remedy that applies to you.
Who provides My Bills
My Bills is provided by Chris Aldworth, trading as CKA Systems ("CKA Systems", "we", "us" or "our"). You can contact us at info@ckasystems.co.uk.
What the app does
My Bills is a manual personal-finance planning tool. It helps you record expected income and bills, organise recurring dates and calculate a Safe To Spend figure.
My Bills is not a bank, payment service, credit provider or account-information service. It does not connect to your bank or independently verify balances, dates, payments or other entries. Calculations and forecasts depend on the information you enter, and you remain responsible for checking that information against your actual accounts and commitments.
Licence to use the app
Subject to these terms and the applicable Google Play terms, CKA Systems grants you a limited, personal, revocable, non-exclusive and non-transferable licence to use My Bills on compatible Android devices for personal, non-commercial purposes.
You do not acquire ownership of the app, its source code, design, branding or other intellectual property.
Free access
My Bills includes a free tier. Free users may save up to 5 income items and up to 8 bill or outgoing items. Recurring calendar occurrences generated from a saved item do not count as separate saved items.
Features and free-tier limits may be changed prospectively, but a change will not remove statutory rights or retrospectively alter a paid subscription period already purchased.
My Bills Premium
My Bills Premium unlocks unlimited saved income and bill or outgoing items while the subscription remains active. The exact product, price, currency, billing period and any introductory offer are displayed by Google Play before purchase.
Subscription and renewal
Premium is offered as an automatically renewing monthly subscription purchased through Google Play. Payment is charged to the Google account used for the purchase.
Unless cancelled, the subscription renews at the end of each billing period at the price shown by Google Play. Google Play will provide any renewal information required by applicable law or its policies.
Deleting My Bills or clearing its data does not cancel the subscription. You can manage or cancel it through Google Play.
Cancellation, cooling-off rights and refunds
When you cancel, Premium will normally continue until the end of the current paid billing period unless Google Play, applicable law or an approved refund provides otherwise.
Purchases, renewals and most cancellation or refund processes are administered through Google Play. You may also contact CKA Systems regarding a purchase problem. CKA Systems can review limited order information made available through Google Play and may issue an eligible refund or cancellation through Google Play's order-management tools.
Your cancellation, cooling-off and refund rights depend on applicable law, your location, the circumstances of the purchase and Google Play's policies. Nothing in these terms limits a mandatory statutory right or remedy.
What happens when Premium ends
If Premium expires or is cancelled, My Bills will not delete or hide existing income or bill data solely because the subscription ended. You may continue to view, edit, complete and delete existing items.
You will not be able to create additional items when the relevant free-tier limit has been reached unless you delete items to return below the limit or reactivate Premium.
Your responsibilities
You are responsible for:
- entering and maintaining accurate balances, amounts, dates and recurrence settings;
- checking My Bills against your actual bank accounts, statements and payment commitments;
- keeping your device, Google account and exported backups secure;
- maintaining appropriate backups before clearing app data, replacing a device or uninstalling the app; and
- using the app lawfully and in accordance with these terms.
Backup and data loss
Financial-planning data is stored locally on your device. CKA Systems does not automatically receive it and cannot remotely restore it.
The app's export feature allows you to create a backup file. Backup files may contain sensitive financial-planning information and are not encrypted by My Bills. You are responsible for choosing a secure location and verifying that a backup can be accessed when needed.
We are not responsible for loss caused by your device being lost, damaged, reset or replaced, by deletion of app data, by an inaccessible backup location, or by your failure to maintain an appropriate backup, except to the extent that responsibility cannot lawfully be excluded.
No financial or legal advice
My Bills is an organisational and calculation tool only. Nothing in the app is financial, debt, banking, investment, tax or legal advice. A Safe To Spend figure is an estimate based on your entries and is not a guarantee that funds are available or that all commitments have been accounted for.
You should seek suitable professional advice where your circumstances require it.
Availability and third-party services
We aim to keep My Bills reliable, but we do not promise uninterrupted or error-free operation. Compatibility may be affected by device software, Android updates or services outside our reasonable control.
Google Play Billing, purchase restoration and subscription administration depend on Google services. CKA Systems is not responsible for an outage or failure of a third-party service outside our reasonable control, although we will take reasonable steps to assist where appropriate.
Acceptable use
You must not:
- use My Bills for an unlawful or fraudulent purpose;
- interfere with the app, its security or Google Play licensing;
- reverse engineer, decompile, modify or extract source code except where applicable law expressly permits it; or
- redistribute, resell or commercially exploit the app without written permission.
Intellectual property
My Bills, including its source code, interface, branding, graphics, text and related materials, is owned by CKA Systems or its licensors and is protected by intellectual-property law.
Consumer rights and digital content
Applicable consumer law may require digital content to be of satisfactory quality, fit for a particular purpose made known to the trader and as described. Where the law provides a right to repair, replacement, price reduction, refund or another remedy, these terms do not remove that right.
Our responsibility to you
Nothing in these terms excludes or limits liability for:
- death or personal injury caused by negligence;
- fraud or fraudulent misrepresentation;
- breach of mandatory statutory rights relating to digital content or consumer services; or
- any other liability that cannot lawfully be excluded or limited.
Subject to the paragraph above, CKA Systems is not responsible for:
- losses that were not reasonably foreseeable when you agreed to these terms;
- business or commercial losses arising from personal use of the app;
- losses caused by inaccurate, incomplete or outdated information entered by you;
- decisions made without checking the app against your actual financial position; or
- failures of devices, networks, Google Play or other third-party services outside our reasonable control.
Changes to the app or these terms
We may update the app or these terms for legal, security, technical or operational reasons. Changes apply prospectively. The updated terms and date will be published on this page and, where reasonably possible, material changes will be communicated through the app or website.
No change will retrospectively remove an active paid period, accrued consumer right or remedy that cannot lawfully be removed.
Ending use of My Bills
You may stop using the app at any time. Uninstalling the app does not cancel an active subscription; cancellation must be completed through Google Play.
We may discontinue future support or distribution of the app, but this does not remove rights or remedies relating to purchases already made.
Governing law
These terms are governed by the laws of England and Wales. If you live elsewhere, you retain any mandatory consumer protections provided by the law of your country or place of residence, and nothing in this clause prevents you from bringing a claim in a court available to you under mandatory consumer law.
Privacy
Our handling of personal information is explained in the My Bills Privacy Policy.