SetBucks Terms of Service

Effective date: August 26, 2026
Last updated: August 26, 2026

Please read section 13. It requires most disputes to be resolved by individual arbitration rather than in court, and waives your right to participate in a class action. You may opt out within 30 days by emailing us, and your use of SetBucks will not be affected.

These Terms are an agreement between you and FCS Development LLC ("SetBucks", "we", "us"), a South Carolina limited liability company. By creating an account or using SetBucks, you accept them.

1. Who can use SetBucks

You must be at least 18 years old and a resident of the United States. By using SetBucks you confirm both, and that you have the authority to enter this agreement.

2. What SetBucks is, and what it is not

SetBucks is software that helps you record, organize, and project your personal finances.

SetBucks is not a financial advisor, a bank, a lender, an accountant, or a tax preparer. Nothing in the app is financial, investment, legal, or tax advice. Projections and summaries are calculations based on the information you and your bank provide, not predictions or recommendations. Decisions about your money are yours.

We do not hold or move your money. We cannot make payments, transfer funds, or change anything at your financial institutions.

3. Your account

You are responsible for keeping your password secure and for everything done through your account. Tell us promptly if you believe someone else has access.

We strongly recommend enabling two-factor authentication. If you lose access to both your password and your recovery methods, we may not be able to restore your account, because we cannot read your data on your behalf.

4. Subscription, automatic renewal, and cancellation

This section describes an automatically renewing subscription. Read it before subscribing.

Free trial

New accounts receive a 14-day free trial. No credit card is required to start it. We will tell you, when you sign up and again before it ends, the date your trial ends and what the subscription costs.

Your trial does not convert into a paid subscription on its own. Because we do not collect payment details up front, nothing is charged when the trial ends. If you do not subscribe, your account switches to a limited state described below.

Prices and renewal

Your subscription renews automatically at the price above until you cancel. We charge the payment method on file at the start of each period. You give your express consent to these terms when you subscribe, and we send you a confirmation email with these terms and instructions for cancelling.

If we change the price, we will tell you by email in advance, and the new price applies only to periods beginning after that notice. You can cancel before it takes effect.

How to cancel

You can cancel online at any time, from Settings, in the same number of steps it took to subscribe. You do not need to call, email, or ask permission.

Cancelling stops the next renewal. Your subscription remains active until the end of the period you already paid for, and then stops.

Refunds

We do not provide partial refunds for unused time. When you cancel, you keep access through the end of the period you paid for.

We may issue a refund at our discretion if something went wrong on our side. Ask us and we will consider it honestly.

If you do not have an active subscription

When your trial ends without a subscription, or when a paid subscription lapses, you keep full access to view and export everything you have. You will not be able to create or edit records until you subscribe.

We will not delete your data because you stopped paying.

Failed payments

If a payment fails, we will retry it and notify you by email. If it continues to fail after our retry schedule, the subscription is cancelled and your account moves to the limited state above. We will tell you before that happens.

5. Connecting a bank account

If you connect a bank account, you authorize us and our data provider to access your account information on your behalf, read-only, in order to import your transactions.

• You can disconnect at any time, which ends that access.
• We never receive your bank username or password.
• We cannot initiate payments or transfers.
• The number of institutions you can connect may be limited by your plan.

Imported information comes from your financial institution. We present it as received and are not responsible for its accuracy, completeness, or timing.

6. Assistant and automated features

Some features use automated processing to read text you provide and propose entries, such as suggesting a transaction from a receipt you forward.

These features produce suggestions, not records. Nothing is added to your ledger until you approve it. You are responsible for reviewing what you approve. Automated suggestions are not advice, and may be wrong.

7. Acceptable use

Do not use SetBucks to break the law, to access another person's account, to interfere with the service or its security, to scrape or overload it, to resell it, or to attempt to reverse engineer it.

We may suspend or terminate an account that violates this section.

8. Your content

Your financial records are yours. You keep all rights to them.

You grant us only the permission we need to run the service for you: to store, process, transmit, and display your content, and to generate the outputs you request. This permission ends when you delete your content or your account.

We do not use your content to train artificial intelligence models, and our providers are contractually prohibited from doing so.

9. Our content

SetBucks, its software, design, and name are ours. These Terms do not transfer any ownership to you. You receive a limited, personal, non-transferable right to use the service while your account is in good standing.

10. Availability

We work to keep SetBucks running, but we do not promise uninterrupted service. We may modify, suspend, or discontinue features. If we discontinue the service entirely, we will give you reasonable notice and time to export your data.

11. Disclaimers

SetBucks is provided "as is" and "as available", without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the service will be error-free, that calculations or projections will be accurate, or that imported bank data will be complete or current.

12. Limitation of liability

To the maximum extent permitted by law:

• We are not liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost data, or financial losses arising from decisions you made using the service.
• Our total liability for any claim is limited to the amount you paid us in the 12 months before the claim arose.

Some states do not allow certain limitations, so parts of this section may not apply to you.

13. Disputes, arbitration, and class action waiver

Please read this section carefully. It affects your legal rights.

First, talk to us

Most problems are solved fastest by writing to contact@setbucks.com. Both of us agree to try that first, and to allow 30 days to resolve it informally.

Binding individual arbitration

If we cannot resolve it, you and SetBucks agree that any dispute arising out of or relating to these Terms or the service will be resolved by binding arbitration on an individual basis, and not in court. This includes claims based in contract, tort, statute, fraud, or any other legal theory.

Arbitration will be conducted by a single arbitrator under the rules of a recognized arbitration provider. The arbitrator's decision is final and may be entered as a judgment in any court with jurisdiction.

Either of us may still bring an individual claim in small claims court if it qualifies.

Class action waiver

You and SetBucks each waive the right to participate in a class, collective, or representative action. Claims will be heard individually. Any relief awarded applies only to you, and not to any other person.

Mass arbitration

If 25 or more similar claims are filed against us by or with the coordination of the same counsel, we may require that they be handled in batches, with a small number of representative cases decided first and the results used to resolve the rest.

How to opt out

You may opt out of this entire section within 30 days of first accepting these Terms. Email contact@setbucks.com with the subject "Arbitration Opt-Out" and include the email address on your account. Opting out has no effect on your subscription, your access, or anything else.

If you opt out, disputes go to the courts described in section 14.

14. Governing law

These Terms are governed by the laws of the State of South Carolina, without regard to its conflict of law rules. For any dispute not subject to arbitration, the state and federal courts located in South Carolina have exclusive jurisdiction.

15. Changes to these Terms

We may update these Terms. If a change is material, we will notify you by email before it takes effect. Continuing to use SetBucks after that means you accept the updated Terms. If you do not agree, you may cancel.

16. Other terms

• Entire agreement. These Terms and the Privacy Policy are the whole agreement between us about the service.
• Severability. If a provision is unenforceable, the rest stays in effect.
• No waiver. If we do not enforce a right, we have not waived it.
• Assignment. You may not transfer these Terms. We may assign them in connection with a merger, acquisition, or sale of the business.

17. Contact

FCS Development LLC
South Carolina, United States
contact@setbucks.com