Terms & Conditions

1. Agreement to these terms

1.1 These Terms & Conditions (the "Terms") form an agreement between you as a user ("you") of our app Billy (the "App") and us, Billy, operated by Marco Davalos, Avenida Sergio Bernales 215, Lima, Peru ("we", "us" or "our").

1.2 You agree to these Terms by downloading or using the App. If you do not agree with these Terms, you are not permitted to use the App and must stop using it immediately.

1.3 We do not accept any conflicting or additional terms you may propose unless we agree to them in writing.

1.4 The App is intended for users who are at least 16 years old. If you are a minor in the place where you live, you may use the App only with the permission and supervision of a parent or guardian, who must read and agree to these Terms on your behalf.

1.5 You can reach us by email at support@theboringbuilders.xyz or by post at Avenida Sergio Bernales 215, Lima, Peru.

2. What Billy does, and what it needs

2.1 Billy is a bill organizer for iPhone. You enter the bills you owe, choose due dates, and Billy reminds you until you mark each one as paid. It also keeps a simple record of what you have paid or skipped. The current scope of features is described on the App Store and on our website at theboringbuilders-billy.web.app.

2.2 Billy requires an iPhone running iOS 26 or later. Some features depend on permissions that iOS asks you to grant — in particular alarms, and the background scheduling permission Billy uses to keep upcoming alarms fresh. If you decline or later revoke a permission, the related feature will not work.

2.3 Billy works offline and does not require an account, a sign-in or an internet connection to manage your bills.

2.4 We may provide updates to the App, and we will do so where required by law. Beyond that, we may change, improve, add or remove features at our own discretion in a way that is reasonable for you. We are not obliged to keep any particular feature available, and we are not liable to you or any third party for modifying, suspending or discontinuing the App.

2.5 We cannot guarantee that the App will be available or error-free at all times. Software problems, operating system changes and maintenance may cause interruptions, delays or errors.

3. Your licence to use Billy

3.1 By downloading the App from the App Store, you receive a personal, limited, non-exclusive, non-transferable, revocable licence to install the App on devices you own or control and to use it as permitted by these Terms and by Apple's usage rules. All other rights remain with us.

3.2 The App is a digital product. No ownership is transferred to you; you receive rights of use only.

3.3 You must not:

• except where applicable law expressly permits it, decompile, reverse engineer, disassemble, attempt to derive the source code of, or decrypt the App;
• modify, adapt, translate or create derivative works from the App;
• remove, alter or obscure any proprietary notice, including any copyright or trademark notice;
• rent, lease, sell, sublicense or otherwise make the App available to third parties, or make it available over a network so that multiple users can access it at the same time;
• circumvent, disable or interfere with security-related features of the App, or any limitations on its use;
• use the App to build a product or service that competes with it or substitutes for it, or to extract its content or data in order to compile a competing database;
• use the App for any unlawful purpose or in breach of any applicable law or regulation.

3.4 Billy is a general-purpose personal organizer and is not designed to meet industry-specific regulatory requirements. You may not use it where your use would be subject to regimes such as HIPAA, FISMA or the Gramm-Leach-Bliley Act.

4. Reminders are a convenience, not a guarantee

4.1 Billy does not pay your bills. It has no connection to your bank, card, wallet or any payment provider, and it cannot transfer money or authorise a payment. It only records what you tell it and reminds you.

4.2 You remain solely responsible for paying your bills correctly and on time, for the accuracy of every amount, due date and recurrence you enter, and for reconciling what Billy shows against what your provider actually says you owe.

4.3 Reminders and alarms are delivered by your device and depend on things outside our control. A reminder may be delayed, silenced or missed if, for example, your device is off, asleep, in Do Not Disturb, in Focus, in Low Power Mode or out of battery; if notification, alarm or background permissions are denied or revoked; if the device clock, time zone or region changes; if the operating system limits background activity or the App is force-quit or uninstalled; or if your device or its software malfunctions.

4.4 Because of this, we give no warranty that any particular reminder will be delivered at any particular time, or at all. To the fullest extent permitted by law, we are not liable for late fees, interest, penalties, overdraft or reconnection charges, service interruptions, credit-score consequences, or any other loss arising from a bill you did not pay on time, whether or not a reminder reached you.

4.5 Nothing in the App is financial, tax, accounting, legal or debt advice. Any figures, totals or summaries the App displays are informational only and derived entirely from what you entered. Seek advice from a qualified professional before making financial decisions.

5. Your data, backups and loss of data

5.1 Everything you enter in Billy is stored on your device. We operate no server for your bills, we hold no copy of them, and we cannot see, recover, restore or export them for you.

5.2 It follows that you are solely responsible for your own backups. Your data may be lost permanently if you delete the App, reset, lose, sell or damage your device, or if the App's local storage is corrupted by a fault in the device, the operating system or the App itself.

5.3 Billy lets you export a backup file and restore from one. When you export, the file is handed to the iOS share sheet and you choose where it goes; from that point the file is under your control and subject to the terms of whatever service or storage you send it to. Restoring a backup replaces the data currently in the App, which cannot be undone. It is your responsibility to keep your backup files safe, and to verify that a backup is valid and complete before relying on it.

5.4 To the fullest extent permitted by law, we accept no liability for any loss, corruption or unauthorised disclosure of data stored on your device or contained in a backup file you created, and you waive any claim against us arising from it.

6. Price, and any future paid features

6.1 Billy is currently offered free of charge through the App Store. We may introduce paid features, a paid version or a subscription in the future.

6.2 If we do, the terms, subscription periods and prices will be shown in the App and in the App Store before you buy, and we may change prices for future periods with notice published in the App Store or the App. Any purchase would be entirely optional, and features you already have would not be taken away without notice.

6.3 All payments would be processed by Apple through your App Store account, not by us. We never receive or store your payment details. Subscriptions purchased through Apple renew automatically unless cancelled at least 24 hours before the end of the current period, and you can view or cancel them at any time in your App Store account settings. Deleting the App does not cancel a subscription.

6.4 Purchases are non-refundable except where you are entitled to a refund by law, including any statutory right of withdrawal, or under Apple's own policies. Because Apple processes the payment, refund requests are handled by Apple. If something has gone wrong, please write to us at support@theboringbuilders.xyz and we will try to help. Any applicable sales tax or VAT will be added as required.

7. App Store terms

7.1 The following applies because you obtained the App from Apple (the "App Distributor"): the licence granted to you is limited to use of the App on an Apple-branded device running iOS, in accordance with the App Store's usage rules; we, and not Apple, are responsible for providing any maintenance and support for the App, and Apple has no obligation to furnish any; in the event the App fails to conform to any applicable warranty, you may notify Apple, which may refund the purchase price you paid, if any, and beyond that Apple has no warranty obligation whatsoever; we, and not Apple, are responsible for addressing any claim that the App or your use of it infringes intellectual property rights or fails to comply with legal or regulatory requirements; you represent that you are not located in a country subject to a US government embargo or designated as a "terrorist supporting" country, and that you are not listed on any US government list of prohibited or restricted parties; you must comply with applicable third-party terms when using the App; and you agree that Apple is a third-party beneficiary of these Terms and may enforce them against you as such.

8. Intellectual property

8.1 We are the owner or licensee of all intellectual property rights in the App and our website, including the source code, databases, software, design, text, graphics, images and icons (the "Content"), as well as the Billy name, logo and other marks (the "Marks"). These are protected by copyright, trademark and other laws.

8.2 The Content and Marks are provided "as is" for your personal, non-commercial use. Subject to your compliance with these Terms, you may access the App and our website and download or print portions of the Content for your personal, non-commercial use.

8.3 Except as set out above, no part of the App, the Content or the Marks may be copied, reproduced, republished, uploaded, posted, publicly displayed, translated, distributed, sold or otherwise exploited for any commercial purpose without our prior written permission. Requests can be sent to support@theboringbuilders.xyz. We reserve all rights not expressly granted to you.

8.4 The bills, notes and other content you enter belong to you. We claim no ownership of it, and since it never leaves your device we receive no licence to it.

8.5 Feedback. If you send us a question, comment, suggestion, bug report or idea about the App ("Submissions"), you agree that we may use it without restriction and without compensation or acknowledgement to you, and you assign to us any intellectual property rights in it. You confirm that your Submissions are your own or that you have the rights needed to send them, and that they are not confidential. Please do not include sensitive personal or financial details in a Submission.

9. Acceptable use

9.1 By using the App you represent and warrant that you have the legal capacity to agree to these Terms, that you meet the age requirement in section 1.4, that you will not use the App for any illegal or unauthorised purpose, and that your use will not violate any applicable law or regulation.

9.2 You further agree not to interfere with or disrupt the App or our website or the networks connected to them, not to attempt to gain unauthorised access to any part of them, not to use any automated system such as a bot, script or scraper against our website, not to impersonate us or misrepresent your affiliation with us, and not to harass or threaten anyone providing support on our behalf.

10. Disclaimer of warranties

10.1 THE APP IS PROVIDED ON AN "AS-IS" AND "AS-AVAILABLE" BASIS, AND YOU USE IT AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY AND NON-INFRINGEMENT. WE MAKE NO WARRANTY THAT THE APP WILL BE UNINTERRUPTED, TIMELY, SECURE OR ERROR-FREE, THAT ANY REMINDER OR ALARM WILL BE DELIVERED, OR THAT ANY CALCULATION OR SUMMARY IT DISPLAYS IS ACCURATE OR COMPLETE. WE ASSUME NO LIABILITY FOR ERRORS, MISTAKES OR INACCURACIES IN THE APP OR ITS CONTENT, FOR ANY LOSS OR CORRUPTION OF DATA ON YOUR DEVICE, FOR ANY INTERRUPTION OR CESSATION OF THE APP'S OPERATION, OR FOR ANY BUGS, VIRUSES OR SIMILAR HARMFUL CODE TRANSMITTED THROUGH THE APP BY ANY THIRD PARTY.

10.2 Some jurisdictions do not allow the exclusion of implied warranties, so parts of this section may not apply to you, and you may have additional statutory rights that these Terms do not affect.

11. Limitation of liability

11.1 TO THE FULLEST EXTENT PERMITTED BY LAW, WE AND OUR AGENTS WILL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST REVENUE, LOSS OF DATA, LATE FEES, INTEREST, PENALTIES OR MISSED PAYMENTS, ARISING OUT OF OR RELATED TO YOUR USE OF THE APP, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

11.2 NOTWITHSTANDING ANYTHING TO THE CONTRARY, OUR TOTAL LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER, AND REGARDLESS OF THE FORM OF THE ACTION, IS LIMITED TO THE GREATER OF THE AMOUNT YOU PAID US FOR THE APP IN THE SIX (6) MONTHS BEFORE THE CLAIM AROSE, OR USD 50.

11.3 Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot be excluded or limited under applicable law. If you are a consumer, your mandatory statutory rights are unaffected.

12. Indemnification

12.1 You agree to defend, indemnify and hold us harmless from any loss, damage, liability, claim or demand, including reasonable legal fees, made by a third party arising out of your use of the App, your breach of these Terms or of your representations and warranties in them, or your violation of the rights of a third party or of applicable law.

13. Privacy

13.1 We care about privacy and built Billy so that your bills stay on your device. Our Privacy Policy explains what limited information we do and do not receive, and it forms part of these Terms. By using the App you agree to it.

14. Term and termination

14.1 These Terms apply for as long as you use the App. You may end this agreement at any time by deleting the App from your devices.

14.2 We may terminate the licence granted in section 3 with immediate effect if you materially breach these Terms, in particular the licence restrictions or intellectual property provisions. Since Billy has no accounts and runs on your device, we have no ability to disable your copy remotely or to delete your data; termination means you must stop using the App and delete it. We also reserve the right to restrict access to our website and to take appropriate legal action against unlawful use.

14.3 Sections that by their nature should survive termination will do so, including sections 4, 5, 8, 10, 11, 12 and 15.

15. Governing law and disputes

15.1 These Terms are governed by the laws of Peru, and the United Nations Convention on Contracts for the International Sale of Goods does not apply. The exclusive place of jurisdiction is Lima, Peru. If you are a consumer resident elsewhere, mandatory provisions of your local law, including any right to bring proceedings in your own country, remain unaffected.

15.2 Informal resolution first. To keep disputes quick and inexpensive, both you and we agree to try to resolve any dispute informally for at least thirty (30) days after written notice before starting formal proceedings. Most issues can be settled by writing to support@theboringbuilders.xyz.

15.3 Arbitration. A dispute that cannot be resolved informally may be submitted to arbitration under the laws of Peru, seated in Lima, conducted in Spanish or English.

15.4 Any arbitration or legal proceeding is limited to the dispute between you and us individually. To the fullest extent permitted by law, proceedings may not be consolidated with others and may not be brought in a representative capacity on behalf of the general public or any other person.

16. Electronic communications and miscellaneous

16.1 Using the App, visiting our website and emailing us are electronic communications. You consent to receive communications from us electronically and agree that notices, disclosures and agreements delivered electronically satisfy any legal requirement that they be in writing.

16.2 California residents. If a complaint is not resolved to your satisfaction, you may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210.

16.3 These Terms, together with our Privacy Policy, are the entire agreement between you and us regarding the App. If we do not enforce a provision, that is not a waiver of it. We may assign our rights and obligations to another party, for example in connection with a sale of the App, and your rights under these Terms will not be diminished by such a transfer. We are not responsible for any delay or failure caused by events beyond our reasonable control. If any provision is found unlawful or unenforceable, it is severed and the rest remains in effect. Nothing in these Terms creates a partnership, joint venture, employment or agency relationship between us. These Terms will not be construed against us merely because we drew them up, and you waive any defence based on their electronic form or the absence of signatures.

17. Changes to these Terms

17.1 For minor changes — for example to reflect a change in the law — we may simply publish the updated Terms on this page and update the "Last updated" date above. Please check back from time to time.

17.2 For significant changes that materially disadvantage you, we will ask for your consent within the App or notify you at least two weeks before they take effect. Continuing to use the App after a change takes effect means you accept the updated Terms; if you do not accept them, you should stop using the App and delete it.

18. Contact us

To resolve a complaint or ask anything about these Terms, contact us at:

Billy
Marco Davalos
Avenida Sergio Bernales 215
Lima, Peru
Email: support@theboringbuilders.xyz
Website: theboringbuilders-billy.web.app