Terms of use

The service

Topf is an application for keeping a personal record of money. It is a tool for writing things down: it does not connect to your bank, does not move money, and does not give financial, tax or investment advice.

The figures it shows are the ones you entered, converted at the rates it received. Check anything that matters before acting on it.

Your account

An account is optional; the app also works without one. If you create one, keep access to the email address behind it — the sign-in code goes there, and it is how the account is recovered.

You are responsible for what is done through your account, including what people you invite into a shared book can see and write.

Fair use

Use the app for your own records. Do not attempt to break, overload or circumvent the service, to tamper with the security that protects synchronization, or to use the voice endpoint for anything other than entering your own transactions.

We may restrict access that damages the service for other people.

Availability

The app works offline by design, so it keeps working when the service does not. Synchronization, voice input and sign-in need a network and may be interrupted for maintenance or by a provider outage. No uptime is guaranteed.

Topf Plus and payment

The app can be used for free. Recording transactions, searching them and moving money between accounts are never limited, balances can be kept in as many currencies as you need, and signing in to back your book up and open it on a second device costs nothing. Topf Plus removes the limits the free version has: on the number of active accounts, recurring transactions, budgets and voice inputs a month, on analytics beyond the current month, and on the history of past periods in budgets. The app names each limit where it applies. It also lets you share your book with the people you invite.

Plus is sold inside the app through Apple’s App Store as a monthly subscription, a yearly subscription or a one-time purchase that never expires. The price is shown in the app before you buy, in your local currency, and is charged to your Apple ID. The yearly subscription may start with a free trial; when it does, the length of the trial and the price that follows are shown on the same screen.

Both subscriptions can be shared through Apple’s Family Sharing; the one-time purchase cannot. A shared subscription is paid for and managed by whoever bought it — only they can change or cancel it — and everyone it reaches gets their own Plus for their own book, not a shared one.

A subscription renews automatically at the end of each period unless it is canceled at least 24 hours before the period ends. You can cancel at any time in the subscription settings of your Apple ID; the paid period then normally runs to its end. Any right to end a subscription at once and receive a pro-rata refund under Apple’s terms or mandatory law is not affected. Refunds are handled by Apple.

If a renewal payment does not go through, Plus is not switched off at once. The App Store keeps the subscription running for a grace period while it tries the payment again, and the app says that the payment failed instead of naming a renewal it no longer expects; it also takes you to the payment method of your Apple ID, which is the only place a card can be changed. If a later attempt succeeds, the subscription carries on with the same billing cycle. If none does, the subscription ends, and the free limits apply again.

When Plus ends, nothing you created is deleted or switched off: accounts, recurring transactions and budgets beyond the free limits keep working; only creating more of them and viewing past periods in analytics and in a budget’s history are locked again. On another device, purchases are restored with the same Apple ID from the Plus screen; a subscription shared with you by your family arrives the same way.

We may also grant Plus without a purchase — for testing, or as a courtesy. Granted access ends with its stated term and carries no right to the same terms as a purchase.

Liability

The service is provided as is. To the extent permitted by law, we are not liable for indirect or consequential damage, or for loss arising from decisions made on the basis of what the app displayed. Liability for intent, gross negligence, injury to life, body or health, and under mandatory statutory provisions remains unaffected.

Keeping your own copy of anything you cannot afford to lose is your responsibility.

Ending it

You can stop using the app at any time and delete your account from inside it, which deletes your data on the server. We may end an account that is used in breach of these terms, with notice where that is possible.

Changes

These terms may change as the product does. The date at the top says when they last did, and a material change will be announced in the app.

Applicable law

These terms are governed by German law. Mandatory consumer protection rules of the country you live in are unaffected. The operator is named in full in the imprint, and questions go to [email protected].