Terms of Service

Last updated: 4 June 2026 Effective: 4 June 2026

These Terms of Service ("Terms") govern your use of the Plan31 web application (the "Service") operated by Framora ("Framora", "we", "us", "our") at plan31.framorase.com. By accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

Plain English summary. Plan31 is a manual-entry monthly budget tool with optional multi-user sharing. You're responsible for the numbers you put in. We provide the Service "as is" — it isn't financial advice and we aren't your bank. You can cancel any time. If you misuse the Service or share something illegal, we can suspend or close your account.

1. Acceptance of these Terms

By creating an account, signing in, or otherwise using the Service, you confirm that:

• You have read and accept these Terms and our Privacy Policy
• You have the legal capacity to enter into these Terms (or a parent or guardian agrees to them on your behalf)
• If you are using the Service on behalf of an organisation, you have authority to bind that organisation, and "you" in these Terms refers to that organisation

The Service is available to users of any age. We do not verify, monitor, or restrict users based on age, and we have no obligation to do so. It is your responsibility — or that of your parent or guardian — to ensure you are permitted to use the Service under any laws that apply to you. If you are a parent or guardian and a minor uses the Service under your supervision, you accept these Terms on their behalf and are responsible for their use.

2. The Service

Plan31 is a monthly budget tracker. It lets you record income and expenses you enter manually, organise them by month, share specific months with collaborators you invite, and split contributions between household members.

The Service does NOT:

• Connect to your bank accounts
• Provide financial, investment, tax, accounting, or legal advice
• Move money, hold funds, process transactions, or act as a payment institution
• Guarantee the accuracy of any calculation — the numbers shown reflect the numbers you have entered

All decisions you make based on data shown in the Service are your own responsibility.

3. Your account

3.1 Sign-up

You sign in using Google Sign-In. We collect the account information described in our Privacy Policy.

3.2 One account per person

Each account is for an individual human. You may not share account credentials, sell or transfer your account, or create accounts in bulk.

3.3 Account security

You are responsible for keeping your Google account credentials secure. Notify us at help@framorase.com as soon as you suspect unauthorised access.

3.4 Accurate information

You agree to provide accurate information when prompted and to keep it up to date.

4. Subscription plans, billing, and cancellation

4.1 Plans

The Service is offered in a free tier and paid subscription tiers ("Plans"). The current Plans, their prices, included features, and seat allowances are shown in the Service at sign-up and in the in-app Plan modal. We may change the line-up of Plans, pricing, and features from time to time — see Section 4.6.

4.2 Billing

Paid Plans are billed by Stripe on a recurring monthly basis in the currency shown at checkout. By starting a paid Plan you authorise us (via Stripe) to charge your payment method automatically at each renewal until you cancel.

4.3 Renewals

Subscriptions renew automatically at the end of each billing period. You may turn off auto-renewal or cancel at any time via the in-app billing portal (Stripe Customer Portal).

4.4 Cancellation

You may cancel at any time. Cancellation takes effect at the end of the current billing period — you keep access to paid features until that date, and you will not be billed again unless you re-subscribe.

4.5 Refunds

Paid subscription fees are non-refundable except where required by law (for example, your statutory right of withdrawal under UK / EU consumer protection law within 14 days of subscribing, provided you have not yet substantially used the paid features). If you believe you are entitled to a refund, email help@framorase.com within 30 days of the charge.

By starting your paid subscription and using paid features before the 14-day withdrawal period ends, you expressly request that we begin performing the service immediately and acknowledge that your right of withdrawal is lost once the service has been fully performed within the period.

4.6 Price changes

We may change subscription prices. We will give you at least 30 days' notice by email before any price increase takes effect on your renewal. You may cancel before the new price applies.

4.7 Family / multi-user Plans

Family-tier Plans include seats for additional collaborators. The Plan owner is the billable party. Collaborators inherit the owner's Plan benefits for as long as the owner's subscription is active and they remain an accepted collaborator. If the owner downgrades or cancels, collaborator access may be removed; see the in-app Plan modal for current behaviour.

4.8 Free trials

Where offered, a free trial is available once per person/account. To start a trial we capture a payment method up front, and the Plan automatically converts to a paid subscription at the trial's end unless you cancel before then. You are eligible for a free trial only if you have never previously had paid access to the Service — this includes having held any paid Plan and having accepted a seat on another user's shared Plan. Trial eligibility, once used or lost, is not restored by cancelling, declining, or leaving a Plan.

4.9 One Plan at a time; joining a shared Plan

You may hold only one Plan at a time. If you accept an invitation to join another user's shared Plan while you have your own paid subscription, accepting will cancel your subscription as part of joining: an active paid Plan is cancelled at the end of your current billing period (you keep your own paid features until then, the remainder is non-refundable per Section 4.5, and you join the shared Plan immediately), and a Plan still in its free trial is cancelled immediately. You confirm this in-app before joining. A Plan owner who still has their own collaborators must remove them before they can join another Plan.

4.10 Taxes

Prices shown exclude applicable taxes (VAT, sales tax) unless stated otherwise. We collect taxes where required.

5. Acceptable use

You agree not to:

• Use the Service for any unlawful purpose or in breach of any applicable law
• Upload, store, or transmit content that is unlawful, defamatory, harassing, infringing, fraudulent, or otherwise objectionable
• Invite anyone as a collaborator without their consent
• Use the Service to launder money, evade taxes, finance terrorism, or commit fraud
• Reverse-engineer, decompile, or attempt to extract source code from the Service (except where this restriction is prohibited by law)
• Use automated means (bots, scrapers, scripts) to access, query, or interact with the Service except via interfaces we expressly provide for that purpose
• Probe, scan, or test the vulnerability of the Service, or breach any security or authentication measure, without our prior written permission (see our security disclosure contact at help@framorase.com)
• Use the Service to send spam, phishing, or unsolicited commercial communications
• Impersonate any person or entity, or misrepresent your affiliation with anyone
• Resell, sublicense, or commercially exploit the Service or access to it

We may suspend or terminate access (with or without notice, depending on severity) if we reasonably believe you have breached this section.

6. Your content

6.1 Ownership

You retain all rights to the budget data, expense descriptions, notes, and other content you enter into the Service ("Your Content"). Framora claims no ownership of Your Content.

6.2 Licence to operate the Service

To provide the Service, you grant Framora a worldwide, non-exclusive, royalty-free licence to host, store, transmit, and display Your Content solely as needed to operate the Service and provide it to you (and to any collaborator you authorise).

This licence ends when you delete Your Content or close your account, except where we are required to retain copies for legal or backup purposes (see Privacy Policy, Section 7).

6.3 Responsibility for Your Content

You are solely responsible for Your Content and the accuracy of what you enter. We do not pre-screen or actively monitor Your Content. We may, but are not required to, remove content that violates these Terms.

6.4 Backups

You are responsible for maintaining your own copies of Your Content if continuity matters to you. While we operate reasonable backups, we do not guarantee that lost data can be recovered.

7. Sharing and collaborators

The Service includes optional features for sharing budgets with other users you invite.

• You are responsible for choosing whom you invite
• You should only enter another person's email address if you have a reasonable basis to believe they would expect to be invited
• Once you share a month with a collaborator, they may view the budget data within that month, including any expense descriptions, amounts, and notes
• Removing a collaborator stops their access going forward. As part of removal, the Service offers that collaborator a one-time option to keep a copy of the budget data they had access to, stored encrypted under their own key in their account until they delete it. We cannot retract a copy once it has been kept, nor any copy a collaborator made on their own device. By sharing a budget you accept that a collaborator may retain such a copy after you remove them.

If you receive an invitation you did not expect, decline it from the invite page, or contact help@framorase.com.

8. Service availability and changes

8.1 "As is" availability

The Service is provided "as is" and "as available". We do not guarantee uninterrupted, error-free, or secure operation. Scheduled maintenance, downtime of underlying infrastructure (our hosting and database providers, and Stripe), and bugs may temporarily affect the Service.

8.2 Changes to the Service

We may modify, add, or remove features at any time. For material reductions in functionality of a paid Plan, we will give reasonable notice and, where appropriate, prorated refunds.

8.3 Discontinuation

If we decide to discontinue the Service, we will give at least 60 days' notice by email and provide a way to export Your Content before shutdown.

9. Disclaimers

To the maximum extent permitted by law:

• The Service is provided without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy, non-infringement, or that the Service will be uninterrupted, error-free, or secure
• Framora makes no representation that the Service is appropriate or available in any particular jurisdiction
• Nothing in the Service constitutes financial, investment, tax, accounting, or legal advice. You should consult a qualified professional before acting on financial decisions.

Some jurisdictions do not allow exclusion of certain warranties; in those jurisdictions, the exclusions in this section apply only to the maximum extent permitted.

10. Limitation of liability

To the maximum extent permitted by law:

• Framora, its directors, employees, and suppliers shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or for loss of profits, revenue, data, goodwill, or business opportunities, arising out of or related to your use of the Service
• Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any liability that cannot be excluded under applicable law (including under UK Consumer Rights Act 2015 to the extent you are a consumer)

If you are a consumer in the UK or EU, your statutory rights are not affected by these Terms.

11. Indemnification

You agree to indemnify and hold Framora harmless from any claims, damages, losses, or expenses (including reasonable legal fees) arising out of:

• Your breach of these Terms
• Your violation of any law or third-party right
• Your Content
• Your use of the Service in a way that causes harm to a third party

This section does not apply if and to the extent that such indemnification would be unenforceable against you as a consumer under applicable law.

12. Termination

12.1 Termination by you

You may stop using the Service and delete your account at any time. To request full deletion, follow the in-app account deletion flow or email privacy@framorase.com.

12.2 Termination by us

We may suspend or terminate your account, with or without notice:

• If you materially breach these Terms
• If your account is used for fraud, abuse, or illegal activity
• If required by law or a regulator
• If we discontinue the Service

12.3 Effect of termination

On termination:

• Your right to use the Service ends immediately
• Your data is handled per our Privacy Policy, Section 7 (retention)
• Provisions of these Terms that by their nature should survive (e.g. Sections 6, 9, 10, 11, 13, 14) survive termination

13. Changes to these Terms

We may update these Terms from time to time. When we do:

• We will update the "Last updated" date
• For material changes, we will notify you at least 30 days in advance by email or in-app banner
• Your continued use of the Service after a non-material change constitutes acceptance

If you disagree with a material change, you may cancel your subscription and stop using the Service before it takes effect.

14. Governing law and disputes

14.1 Governing law

These Terms are governed by the laws of England and Wales, without regard to conflict-of-law principles.

14.2 Jurisdiction

You and Framora agree that the courts of England and Wales have exclusive jurisdiction to resolve any dispute arising out of or related to these Terms or the Service, except that:

• If you are a consumer resident in another part of the UK or in an EU member state, you may also bring proceedings in the courts of your place of residence and you benefit from the mandatory consumer protection laws of that place
• We may seek injunctive relief in any court of competent jurisdiction to protect our intellectual property rights

14.3 Informal resolution

Before filing a formal claim, please contact us at legal@framorase.com and we will attempt to resolve the dispute informally within 30 days.

15. Miscellaneous

• Entire agreement. These Terms and the Privacy Policy form the entire agreement between you and Framora regarding the Service.
• Severability. If any provision is held unenforceable, the remainder remains in effect.
• No waiver. Our failure to enforce a provision does not waive our right to enforce it later.
• Assignment. You may not assign your rights under these Terms. We may assign ours to a successor in connection with a merger, acquisition, or sale of assets.
• Headings. Section headings are for convenience only and do not affect interpretation.
• Force majeure. Neither party is liable for failure to perform due to events outside its reasonable control (acts of God, war, civil unrest, government action, internet or infrastructure failures).

16. How to contact us