End User License Agreement

1. Grant of License

BillAxe LLC (“Company”) grants you a limited, non-exclusive, non-transferable, revocable license to access and use the BillAxe web application at billaxe.app solely for your personal financial management purposes, subject to these terms.

2. Restrictions

You may not:

• Reverse engineer, decompile, or disassemble any part of the software
• Use the service to violate any applicable law or regulation
• Attempt to gain unauthorized access to any part of the service or its infrastructure
• Use automated tools to scrape, crawl, or extract data from the service
• Share your account credentials with any third party
• Use the service to post content to social media platforms without explicit user approval
• Misuse connected email accounts for any purpose other than bill detection

3. Ownership

BillAxe and all its components, including but not limited to the software code, algorithms, database structure, design, and content, are and remain the exclusive property of BillAxe LLC. This license does not transfer any ownership rights to you.

4. Your Data

You retain ownership of all data you provide to BillAxe, including financial transaction data, email data retrieved from connected accounts, and social media account information. By using BillAxe you grant us a limited, non-exclusive license to process your data solely to provide the service — including scanning connected email accounts for bills, generating AI videos summarizing your savings, and posting approved content to your connected social media accounts. We do not claim ownership of your data and will never sell it.

5. Third Party Services

BillAxe integrates with third-party services including Plaid (bank connections), Stripe (payments), Microsoft Graph API (Outlook email scanning), Twilio (SMS notifications), Anthropic Claude (AI bill analysis), Runway ML (AI video generation), TikTok (social posting), and YouTube (social posting). Your use of these integrations is subject to each provider's own terms of service and privacy policy. BillAxe is not responsible for the actions, data practices, or availability of these third-party services.

6. Software Updates

We may update, modify, or discontinue features of BillAxe at any time without notice. We will make reasonable efforts to notify users of significant changes via email. Continued use after updates constitutes acceptance of the modified service.

7. Termination

This license is effective until terminated. We may terminate your license immediately and without notice if you violate any provision of this agreement. Upon termination you must cease all use of BillAxe. Sections 3, 8, 9, and 10 survive termination.

8. Disclaimer of Warranties

THE SOFTWARE IS PROVIDED “AS IS” WITHOUT WARRANTY OF ANY KIND. BILLAXE LLC EXPRESSLY DISCLAIMS ALL WARRANTIES WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

9. Limitation of Liability

IN NO EVENT SHALL BILLAXE LLC BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE THE SOFTWARE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY SHALL NOT EXCEED THE FEES YOU PAID IN THE 3 MONTHS PRIOR TO THE CLAIM.

10. Governing Law

This agreement is governed by the laws of the State of Arizona. Any disputes arising under this agreement shall be subject to the exclusive jurisdiction of the courts of Maricopa County, Arizona.

11. Entire Agreement

This EULA together with the Terms of Service and Privacy Policy constitutes the entire agreement between you and BillAxe LLC regarding your use of the software and supersedes all prior agreements.

12. Contact