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Terms of Service

The rules for using PebbleHoard Finance on the web and in our mobile apps.

Last updated: September 2, 2026

These Terms of Service (“Terms”) are an agreement between you and Illuminating Software LLC (“we”, “us”) governing use of pebblehoard.com, app.pebblehoard.com, and the official PebbleHoard Finance mobile applications (the “Service”).

By creating an account or using the Service, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Service.

1. The Service

PebbleHoard Finance helps you organize personal and small-business money using accounts, purpose-based buckets, income and allotment tools, physical assets, optional receipt attachments, a private document vault for copies of cards you own, portfolio sharing, and multi-business USD invoicing (including Stripe Connect where enabled).

Important: PebbleHoard is software only. We are not a bank, credit union, money transmitter, broker-dealer, tax preparer, or investment adviser. The Service does not provide financial, legal, or tax advice. Balances and reports depend on data you enter and third-party payment processors where you enable them.

2. Eligibility

You must be at least 18 years old (or the age of majority where you live) and able to form a binding contract. The Service is offered primarily for users in the United States and is currently provided in English with USD as the primary currency for invoicing and product displays.

3. Accounts and security

  • You must provide accurate registration information and keep your password confidential.
  • You are responsible for activity under your account, including actions by people you invite to a portfolio.
  • Notify us promptly if you suspect unauthorized access.
  • We may suspend or terminate accounts that violate these Terms or present security or abuse risks.

4. Your content and portfolios

You retain ownership of the data you enter (“Your Content”). You grant us a limited license to host, process, back up, and display Your Content solely to operate and improve the Service.

You represent that you have the right to upload Your Content (including receipts, copies of your own identity or membership documents, and business branding) and that it does not violate law or third-party rights. Photographs stored in Documents are convenience copies, not official identification, and are not accepted as a driver’s license or passport. Do not upload another person’s identity documents without authority.

Portfolio sharing is controlled by you. Grant access only to people who should see financial data. Permission levels (View, Comment, Edit, Owner) determine what collaborators can do.

5. Acceptable use

You agree not to:

  • Use the Service for unlawful, fraudulent, or deceptive activity
  • Attempt to access other users’ data without authorization
  • Probe, scan, or overload our systems, or reverse engineer the Service except where allowed by law
  • Upload malware or content that is illegal or infringing
  • Misrepresent your identity or your business when sending invoices or using payment features
  • Resell or provide the Service as a managed product for third parties without our written consent

6. Invoicing and payments

Optional invoicing features may let you create businesses, clients, and invoices, email payment links, and collect payments via Stripe. Stripe’s terms apply to payment processing and Connect accounts. You are responsible for:

  • Accuracy of invoice amounts, tax text, and client details
  • Compliance with tax, consumer, and commercial rules that apply to your business
  • Your relationship with clients (refunds, disputes, deliverables)
  • Completing Stripe Connect onboarding if you accept card payments

Platform fees (if any) are disclosed in the product or Stripe flows. Public invoice payment pages may open in a web browser even when you use the mobile app.

7. Mobile apps

Mobile apps may offer biometric unlock, camera/photo access for receipts, and diagnostic reporting (including Firebase crash reporting). Biometric data stays on your device. You can revoke OS permissions at any time; some features may stop working. App store terms of Apple and Google also apply to distribution and purchases through those stores.

8. Account deletion and portfolio ownership

You may delete your account in the web or mobile app (Profile), or by contacting us. Closing an account that owns shared portfolios requires transferring ownership to a co-member or permanently deleting those portfolios. If you are the Owner of portfolios that are shared with others, we may require you to transfer ownership to another member or accept cascade deletion of those portfolios and their data before the account can be fully closed. We may retain limited records as described in the Privacy Policy (legal, security, or payment obligations).

9. Intellectual property

The Service, including software, design, branding, and documentation, is owned by Illuminating Software LLC or its licensors. These Terms do not grant you rights to our trademarks or source code except the limited right to use the Service as provided.

10. Third-party services

The Service may integrate third parties such as Stripe (payments), email delivery providers, object storage, and Firebase (mobile diagnostics). Their terms and privacy policies govern their processing. We are not responsible for third-party services we do not control.

11. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not warrant that balances, allotments, reports, or invoice states will be error-free or uninterrupted, or that the Service will meet your specific financial or business requirements.

12. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, ILLUMINATING SOFTWARE LLC AND ITS SUPPLIERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, OR BUSINESS INTERRUPTION, ARISING FROM YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US FOR THE SERVICE IN THE TWELVE MONTHS BEFORE THE CLAIM OR (B) ONE HUNDRED U.S. DOLLARS (US $100).

Some jurisdictions do not allow certain limitations; in those cases, our liability is limited to the fullest extent permitted by law.

13. Indemnity

You will defend and indemnify Illuminating Software LLC against claims arising from Your Content, your invoices or business practices, your misuse of the Service, or your violation of these Terms or applicable law.

14. Suspension and termination

You may stop using the Service at any time. We may suspend or terminate access if you violate these Terms, if required by law, or if we discontinue the Service. Provisions that by nature should survive (including ownership, disclaimers, limitations, and indemnity) will survive termination.

15. Changes to the Service or Terms

We may improve, change, or discontinue features. We may update these Terms by posting a revised version with a new “Last updated” date. Material changes may be communicated in-product or by email. Continued use after changes constitutes acceptance.

16. Governing law

These Terms are governed by the laws of the United States and the State of Indiana, excluding conflict-of-law rules, unless mandatory consumer protections in your jurisdiction provide otherwise. Courts located in Indiana will have exclusive jurisdiction, except where prohibited by law.

17. Contact

Questions about these Terms: Contact PebbleHoard or illuminatingsoftware.com.

Related: Privacy Policy