Terms of Service
Effective date: July 28, 2026
These Terms of Service (“Terms”) are an agreement between you and the individual or entity identified as the provider of Sumstead on its App Store product page (“Sumstead,” “we,” “us,” or “our”). They govern your use of:
- The Sumstead application for iPhone, iPad, and Mac and any related updates, referred to as the “App”;
- sumstead.com and related webpages operated by Sumstead, referred to as the “Website”; and
- Features, content, support, and services we provide in connection with the App or Website, collectively referred to as the “Services.”
Please read these Terms and our Privacy Policy before using the Services.
1 Acceptance and Scope
By downloading, installing, accessing, purchasing, or using any part of the Services, you agree to these Terms. If you do not agree, do not use the Services.
If you use the Services on behalf of a company or other organization, you represent that you have authority to bind that organization, and “you” includes that organization.
Additional terms presented by Apple or another authorized platform may also apply. If a separate written agreement expressly governs a specific feature, that agreement controls for that feature to the extent of a conflict.
2 Eligibility
You must be legally capable of entering into a binding agreement in the place where you live. If you are not old enough to enter into this agreement on your own, a parent or legal guardian must review and accept these Terms for you.
You may not use the Services if applicable law prohibits you from doing so.
3 App License and Apple Terms
The App is licensed, not sold. Your license to the App is governed by Apple’s Standard Licensed Application End User License Agreement (“Apple Standard EULA”), unless a custom license is shown on the App Store product page.
Subject to these Terms and the Apple Standard EULA, Sumstead grants you a limited, personal, revocable, non-exclusive, non-transferable license to use the App on Apple-branded devices that you own or control as permitted by Apple’s usage rules.
Apple is not responsible for the App, its content, maintenance, support, warranties, or claims relating to the App except as the Apple Standard EULA or applicable law expressly provides. Apple and its subsidiaries are third-party beneficiaries of the App-license provisions and may enforce them against you.
4 Not Financial Advice
Sumstead is a recordkeeping, budgeting, planning, and informational tool. It is not a bank, financial institution, fiduciary, accountant, tax preparer, investment adviser, credit counselor, or financial planner.
Nothing in the Services is financial, investment, accounting, tax, legal, or other professional advice. Budgets, projections, summaries, trends, net-worth calculations, reminders, and other outputs depend on the information you enter and may be incomplete, delayed, or inaccurate.
You are solely responsible for verifying information and making financial decisions. Consult a qualified professional when appropriate. Do not rely on the App to meet payment deadlines, avoid fees, file taxes, satisfy record-retention duties, or respond to an emergency.
5 Your Responsibilities
You are responsible for:
- Entering and reviewing accurate account, transaction, budget, receipt, and planning information;
- Confirming receipt-recognition results before saving them;
- Protecting your device, Apple Account, device passcode, biometric access, backup passwords, and exported files;
- Keeping independent records and backups appropriate for your needs;
- Maintaining enough storage, compatible software, and any network access needed for features you choose to use;
- Complying with applicable laws and the rights of others; and
- Paying taxes, fees, charges, and financial obligations that apply to you.
You must not submit passwords, payment-card numbers, bank-login credentials, Social Security numbers, or similarly sensitive information through the Website contact form.
6 Your Data and Content
You retain ownership of financial records, receipt images, notes, exports, and other content you enter, import, scan, or create through the App (“Your Content”).
You give Sumstead only the limited rights reasonably necessary to process Your Content at your direction and provide the features you choose. Because the App is local-first, Sumstead generally does not receive or control Your Content.
You represent that you have the rights needed to use Your Content in the App. You are responsible for avoiding unlawful, infringing, or unnecessarily sensitive material.
Deleting the App, erasing or losing a device, deleting local data, replacing data during a restore, losing a backup password, or failing to maintain a usable backup may permanently destroy Your Content. Sumstead cannot recover local data or forgotten backup passwords.
7 Optional iCloud Sync
Eligible Premium users may choose to enable iCloud Sync. It is off by default and is not required to use the App.
When enabled, eligible App records and protected receipt assets may be stored in your private iCloud database and synchronized across compatible devices signed into your Apple Account. Your use of iCloud is also subject to Apple’s terms, storage limits, account status, and service availability.
iCloud Sync is a synchronization feature, not a guaranteed archival backup. Changes and deletions may propagate to other devices. Keep a separate export or encrypted backup when your records are important.
If Premium ends, your Apple Account changes, iCloud becomes unavailable, or you turn sync off, synchronization may pause or stop. Your local records remain on the device unless you delete them, but changes may not reach other devices. You may separately request deletion of Sumstead’s private iCloud copy through the App when that option is available.
10 Privacy
Our Privacy Policy explains how information is collected, used, stored, shared, and protected in connection with the App and Website. It is incorporated into these Terms by reference.
Apple and other third-party services process information under their own terms and privacy policies.
11 Acceptable Use
You may not:
- Use the Services for unlawful, fraudulent, abusive, or infringing activity;
- Interfere with, damage, disrupt, overload, or bypass the security of the Services or Website;
- Probe, scan, or test a system for vulnerabilities without written permission;
- Use automated means to scrape, harvest, or send abusive traffic to the Website;
- Misrepresent your identity or impersonate another person or organization;
- Upload malicious code or content you do not have the right to use;
- Reverse engineer, decompile, disassemble, copy, modify, or create derivative works from the App except where applicable law expressly permits it; or
- Remove or alter copyright, trademark, or other proprietary notices.
12 Ownership and Feedback
The Services, including their software, design, text, graphics, trademarks, and other materials, are owned by Sumstead or its licensors and are protected by applicable intellectual-property laws. These Terms do not transfer ownership to you.
If you voluntarily send ideas, suggestions, or feedback, you grant Sumstead a worldwide, perpetual, irrevocable, royalty-free right to use, modify, and incorporate that feedback without restriction or compensation. This does not transfer ownership of Your Content.
13 Third-Party Services
The Services may rely on or link to third-party products and services, including Apple’s App Store, StoreKit, iCloud, CloudKit, device authentication, operating-system frameworks, and external websites.
Sumstead does not control third-party services and is not responsible for their content, terms, privacy practices, availability, security, pricing, or performance. Your use of them is governed by your agreement with the applicable provider.
14 Availability, Updates, and Support
We may provide updates, fixes, new features, or compatibility changes. Some updates may be required for the App or a feature to continue working safely.
We do not guarantee that the Services will always be available, uninterrupted, error-free, secure, or compatible with every device or operating-system version. We may suspend or discontinue all or part of the Services when reasonably necessary, including for maintenance, security, legal, technical, or business reasons.
Support is offered on a reasonable-efforts basis through the channels listed on the Website. No response or resolution time is guaranteed.
15 Disclaimers
To the maximum extent permitted by law, the Services are provided “as is” and “as available,” with all faults and without warranties of any kind. Sumstead disclaims all express, implied, and statutory warranties, including merchantability, fitness for a particular purpose, accuracy, quiet enjoyment, availability, security, and non-infringement.
Sumstead does not warrant that calculations, receipt recognition, reminders, forecasts, exports, backups, restores, synchronization, or other results will be complete, accurate, timely, or free from loss or corruption.
Some jurisdictions do not allow certain warranty exclusions. In those jurisdictions, these exclusions apply only to the extent permitted, and you retain all mandatory consumer rights.
16 Limitation of Liability
To the maximum extent permitted by law, Sumstead and its suppliers, licensors, and representatives will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of data, records, revenue, profits, savings, goodwill, business opportunities, or financial outcomes arising from or related to the Services.
To the maximum extent permitted by law, Sumstead’s total liability for all claims arising from or related to the Services will not exceed the greater of: (a) the amount you paid for the Services during the 12 months before the event giving rise to the claim; or (b) fifty U.S. dollars (US $50).
These limitations apply regardless of the legal theory and even if a remedy fails of its essential purpose. They do not exclude liability that cannot lawfully be limited, including liability for fraud, willful misconduct, or personal injury where applicable law so requires.
17 Indemnification
To the extent permitted by law, you agree to defend, indemnify, and hold harmless Sumstead and its representatives from third-party claims, losses, liabilities, and reasonable costs arising from your unlawful use of the Services, Your Content, or your material violation of these Terms or another person’s rights.
This obligation does not apply to the extent a claim results from Sumstead’s own unlawful conduct and does not limit mandatory consumer protections.
18 Termination
You may stop using the Services at any time. You may delete local App data through the App and may delete the App from your devices. Deleting the App does not cancel an App Store subscription or necessarily delete an optional iCloud copy.
We may suspend or terminate your access to Website-based Services if you materially or repeatedly violate these Terms, create security or legal risk, or misuse the Services. Because the App is local-first, we may be unable to remotely disable an installed copy, but your license ends when these Terms or the Apple Standard EULA terminate.
Provisions that by their nature should survive termination—including ownership, disclaimers, liability limits, indemnification, and general terms—will survive.
19 Governing Terms and Disputes
The governing-law and forum provisions in the Apple Standard EULA apply to the license for the App. For matters not governed by that agreement, the applicable governing law and forum will be determined under applicable law.
Before filing a formal claim, please contact us and provide a brief written description of the dispute and the relief requested. We will try in good faith to resolve it informally. Nothing in this section prevents either party from seeking urgent injunctive relief or using a small-claims process where eligible.
These Terms do not require arbitration and do not waive rights or remedies that cannot be waived under the laws where you live.
20 Changes to These Terms
We may update these Terms when the Services, business, legal requirements, or third-party dependencies change. The revised Terms will be posted here with a new effective date.
If a change is material, we may also provide notice through the Website, the App, an App Store update description, or another appropriate channel. Your continued use after revised Terms take effect means you accept them, to the extent permitted by law.
21 General Terms
These Terms, the Privacy Policy, the Apple Standard EULA, and any feature-specific terms presented to you form the entire agreement concerning the Services.
If a provision is unenforceable, it will be enforced to the maximum lawful extent and the remaining provisions will remain in effect. A failure to enforce a provision is not a waiver. Headings are for convenience only.
You may not assign these Terms without our written consent. We may assign them as part of a merger, acquisition, reorganization, sale of assets, or transfer of the Services, subject to applicable law.
22 Contact Us
For questions about these Terms, billing support, or the Services, use the contact form or email [email protected].