Last updated September 29, 2026
These terms are an agreement between you and Cents ("we" or "us"), the budgeting service at centscount.com. By creating an account or using Cents, you agree to them. If you don't agree, please don't use Cents. You can reach us at help@centscount.com.
You must be at least 18 years old and able to enter into a binding agreement to use Cents.
Cents is a tool for organizing the budget information you enter. It does the math for you, but it isn't financial, tax, investment or legal advice, and we aren't a bank or financial advisor. Totals, due dates, payoff dates and projections are estimates based only on what you enter, and they can be wrong or out of date. You're responsible for your own financial decisions and for paying your bills on time. We aren't responsible for late fees, missed payments, interest or other costs, even if they relate to something Cents showed you. Check important decisions with a qualified professional.
You need an email address you control to sign in. Keep access to that email account secure, because anyone who can read your email can sign in to Cents. You're responsible for what happens in your account. Let us know right away at help@centscount.com if you think someone else has accessed it.
You can invite one partner to share parts of your budget. You choose what to share. Your partner can see and update the items you share, and you're responsible for choosing what to share and with whom. Only invite someone you trust. You can stop sharing at any time in Settings.
Payments aren't refundable for partial periods, except where the law requires it. If something went wrong with a charge, email us and we'll make it right. You can also contact Link support about a charge, and Link may issue refunds within 60 days in some cases.
Don't misuse Cents. That includes trying to access other people's accounts or data, interfering with or overloading the service, probing it for weaknesses without our permission, copying or reselling it, using automated tools to access it, or using it for anything illegal.
What you enter belongs to you. You give us permission to store and process it only to run Cents for you, as described in our privacy policy. You can download a copy or delete your account and data at any time in Settings.
The Cents name, logo, design and software belong to us. You may use Cents for your own personal budgeting, but you may not copy or reuse them. We may change, add or remove features over time. If we ever decide to shut Cents down, we'll email you at least 30 days in advance so you can download your data, and we'll refund any unused part of a yearly subscription.
You can delete your account from Settings at any time. We may suspend or close accounts that break these terms or put other users or the service at risk. The sections on disclaimers, limits, responsibility for claims and governing law continue to apply after your account ends.
We work hard to keep Cents running and accurate, but it's provided "as is" and "as available." To the extent the law allows, we make no warranties of any kind, including that Cents will be uninterrupted, error free or suitable for a particular purpose, or that its calculations will be accurate.
To the extent the law allows, we aren't liable for any indirect, incidental, special, consequential or punitive damages, or for lost money, savings, data or opportunities, arising from your use of Cents. Our total liability for any claim is limited to the amount you paid us in the 12 months before the claim. Some places don't allow these limits, so they may not all apply to you.
If someone brings a claim against us because of how you used Cents or because you broke these terms, you agree to cover the reasonable costs of that claim, to the extent the law allows.
These terms are governed by the laws of the State of North Carolina, without regard to its conflict of law rules. Any dispute will be handled in the state or federal courts located in North Carolina, although either of us may bring a claim in small claims court where it qualifies. Before filing any claim, please email help@centscount.com so we can try to resolve it informally first.
If we make an important change to these terms, we'll email you at least 30 days before it takes effect. If you keep using Cents after that, you accept the new terms. If you don't agree, you can cancel and delete your account.
These terms and our privacy policy are the whole agreement between you and us about Cents. If any part is found unenforceable, the rest still applies. If we don't enforce a part right away, we haven't given up the right to enforce it later. You can't transfer these terms to someone else, but we may transfer them if Cents is sold or reorganized, and we'll tell you if that happens.
Questions about these terms? Email help@centscount.com.