PeachBalance

PeachBalance Terms of Use

Version 1.0, effective July 23, 2026

These terms are an agreement between you and Ilia Ghorbanipou ("we", "us"), the developer of PeachBalance. They become binding when you select "I agree" in the app. If you don't agree, don't use the app. PeachBalance is intended for adults: you must be at least the age of majority where you live to accept these terms and use the app.

We wrote these terms to be readable. The short version: PeachBalance is a bookkeeping tool that lives entirely on your phone. It never touches your money, never connects to your bank, and the numbers it shows are only as good as what you type in or what it reads from your statements. Your bank's own records are always the source of truth, not this app.

1. What PeachBalance is

PeachBalance is a personal tracker for credit cards, statements, and pay-later plans. You add cards by hand or import PDF statements, and the app organizes balances, due dates, and utilization for you.

Everything happens on your device. There is no account, no sign-up, and no server run by us. The app's data practices are described in our Privacy Policy, which is a separate document.

2. What PeachBalance is not

This matters, so we're spelling it out:

  • It does not connect to your bank. The app has no link to any bank, card issuer, or pay-later provider. It cannot see your real accounts.
  • It never moves money. The app cannot make, schedule, cancel, or verify any payment. Nothing you do in the app has any effect on your real accounts.
  • It is not financial advice. The app shows figures and reminders for information only. It is not financial, legal, tax, or accounting advice, and we are not a financial institution, advisor, or fiduciary. For decisions about your money, rely on your bank's records and, where it matters, a qualified professional.
  • It is not your bank's records. Balances, totals, and due dates in the app are your own bookkeeping. If the app and your bank disagree, your bank is right.

3. Your license to use the app

We grant you a personal, non-exclusive, non-transferable license to use PeachBalance on Apple devices that you own or control, as allowed by the App Store's usage rules. You may not copy, sell, rent, modify, reverse engineer, or redistribute the app except where the law says we can't stop you.

4. Accuracy: please read this section

PeachBalance reads your statements with on-device text recognition (OCR) and parsing. OCR is genuinely useful and genuinely imperfect. A blurry scan, an unusual statement layout, or an issuer we haven't seen before can produce numbers that are missing, misread, or assigned to the wrong field. Manual entry can contain typos too.

Because of that:

  • Check imported numbers. The app shows you what it read so you can confirm or correct it. Do that before relying on any figure.
  • Verify against your official statement before making a payment or any financial decision.
  • "Auto-log as paid" is bookkeeping, not payment. If you turn this on for a pay-later plan, the app marks installments as paid once the due date passes, on the assumption that your provider's own autopay handled it. The app cannot know whether the real payment went through. If an autopayment fails at your provider, the app will still show the installment as paid until you correct it.
  • Reminders are best-effort. Payment and statement reminders are local notifications. They depend on your notification settings and on iOS delivering them. A missed, late, or wrong reminder does not shift responsibility for a payment. Due dates are your responsibility, not the app's.

We are not responsible for missed payments, fees, interest, credit score effects, or any other consequence of relying on figures or reminders in the app.

5. Your data and your responsibility to back it up

All app data is stored on your device. We cannot see it, and we cannot recover it.

If you delete the app, its data goes with it. If you lose your phone without a backup, the data is gone. The app includes export and backup features, and your device's own backup (iCloud or computer) will normally include app data. Using them is up to you.

Deleting a card or plan in the app moves it to Recently Deleted for 30 days, after which it is permanently removed. "Delete forever" removes it immediately. Permanent deletion removes the record from the app's own storage on your device; it does not remove copies that may exist in exports you made, backups you created, or your device's Apple-managed backups. We never had a copy at all.

6. Beta versions (TestFlight)

If you use a beta version of PeachBalance through TestFlight, you're using pre-release software. Features may change or disappear, bugs are more likely, and data created in a beta may not survive updates. Please keep exports or backups of anything you'd mind losing. Apple's TestFlight terms also apply to beta use.

7. Apple and the App Store

If you downloaded PeachBalance from Apple's App Store, Apple's standard Licensed Application End User License Agreement also applies to your use of the app. These terms are supplemental to it; where the two conflict, Apple's standard agreement governs your license from the App Store and these terms govern everything they cover that it does not.

These terms are between you and us, not Apple. Apple has no obligation to provide maintenance or support for the app, and no warranty obligation beyond, where applicable, refunding the purchase price. We, not Apple, are responsible for the app, for any claims relating to it (including product liability, regulatory, and consumer protection claims), and for addressing any claim that the app infringes someone's intellectual property. Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them against you.

You confirm that you are not located in a country subject to a U.S. government embargo or designated as "terrorist supporting", and that you are not on any U.S. government list of prohibited or restricted parties. When using the app you will also comply with any third-party terms that apply to you (for example, your wireless carrier's data agreement).

Questions or complaints about the app go to us, not Apple. Contact details are at the end of this document.

8. No warranty

The app is provided "as is" and "as available", without warranties of any kind, express or implied, including fitness for a particular purpose, accuracy, and non-infringement. We do not promise the app will be error-free or uninterrupted.

Some places don't allow certain warranty exclusions. If that's where you live, some of the above may not apply to you, and nothing in this section takes away rights the law gives you that we can't exclude.

9. Limitation of liability

To the extent the law allows, we are not liable for indirect, incidental, special, or consequential damages, or for lost profits, lost data, missed payments, fees, interest charges, or credit score effects arising from your use of the app. To the extent the law allows, our total liability for any claim relating to the app is limited to the amount you paid for it in the twelve months before the claim (or CAD $50 if you paid nothing).

Nothing in these terms excludes or limits our liability for fraud, for intentional or gross fault, for death or personal injury caused by our negligence, or for anything else that the law of your home country or province does not allow us to exclude. If you are a consumer, you keep every right your local consumer protection law gives you, including, for residents of Quebec, rights under the Consumer Protection Act and the Civil Code, and for residents of the EU or UK, your statutory consumer rights. These terms never reduce those rights.

10. Changes to the app and these terms

We may update the app, add or remove features, or stop offering it.

We may also propose updated terms, for example when features change. Material changes work like a new offer, not a silent switch: the app will show you the updated version, with its new version number and date, and ask you to accept it before it applies to you. Until you accept, the version you last accepted keeps governing, and everything you did under an earlier version stays governed by that version. If you don't want the new terms, you can decline them by stopping use of the app and deleting it. Continued use alone is never treated as acceptance of a material change.

11. Termination

You can stop using the app at any time; deleting it ends the license. We may terminate the license if you materially breach these terms. Sections that by their nature should survive (accuracy disclaimers, warranty, liability, governing law) survive termination.

12. Governing law and disputes

These terms are governed by the laws of Ontario, Canada, and disputes may be brought in the courts there, except that if you are a consumer, you always keep the protection of the mandatory laws of the place you live, and you may bring or defend a claim in your own courts. These terms do not require arbitration and do not waive your right to join a class proceeding.

13. General

If part of these terms turns out to be unenforceable, the rest still applies. If we don't enforce a term right away, we haven't waived it. You may not assign these terms; we may assign them to a successor of the app. These terms are the whole agreement between us about the app. The Privacy Policy explains how the app handles data; it is an information notice, not part of this contract.

14. Contact

Ilia Ghorbanipou
Vaughan, Ontario, Canada
Email: peachbalanceapp@gmail.com
Web: https://peachbalance.iliaghp.ca