Legal

Subscription terms

Last updated 22 October 2026 · version 2026-10-22

Preview draft, pending legal review. Paid plans are not on sale yet, and nothing is charged during the preview. These terms say how the trial works today and how paid plans will work when they open. They may change after legal review. If they do, we will show you the new version in the App before it applies.

These terms are part of the Agreement described in the Terms of Service (https://sumone.app/legal/terms), between you and Janisis, Inc. ("Janisis", "we", "us").

1. The trial

1.1 Accepting the Agreement the first time you open an App starts a 45-day trial of that App. The trial includes the App's features and needs no account and no payment card.

1.2 The trial never turns into a paid subscription on its own. When it ends, the App moves to read-only mode (section 2) unless you choose to subscribe.

1.3 The App shows how many trial days you have left. Unless you turn off "Trial and subscription messages" in Settings, the App will also remind you before your trial ends.

1.4 You get one trial per App. Accepting updated terms does not restart or extend it. If you later create a SumOne account, your trial follows the account and keeps the earlier start date. Creating an account never shortens a trial you have already started.

1.5 The record of your acceptance of these terms includes the trial length (45 days).

2. Read-only mode

2.1 If your trial ends, or a paid plan ends, and you have no active plan, the App becomes read-only. You can:

2.2 In read-only mode you cannot add or change records. Sync between your devices pauses, as do bank connections, receipt forwarding, Enhance with AI and Suite voice.

2.3 Encrypted sync copies keep expiring while sync is paused. On the free plan they are deleted after 7 days. Each device keeps its own records, but a change made on one device shortly before sync paused may not reach your other devices. Export from each device you use if you want a full copy.

2.4 We never delete your records because you have not paid. Reading and exporting the records on your devices stay free.

2.5 When you subscribe again, editing and sync come back.

3. Paid plans

3.1 When paid plans open. Paid plans will be sold only on the web, not inside the Apps. Until then, nothing is charged.

3.2 Who sells your plan. Janisis provides the Apps and the Service. Paid plans are sold through Stripe's Managed Payments, and the seller of record is Link, Stripe's consumer payment service (checkout says "Sold through Link"). That means Link, not Janisis, takes your payment, works out and collects sales tax, VAT and GST, issues your receipts and invoices, and handles billing support and refunds under its own terms. Your card statement will show "LINK.COM* JANISIS SUMMONEY". Your agreement about the Apps and the Service stays with Janisis.

3.3 Prices and tax. Before you pay, checkout will show the plan, any add-ons, the price for each period, the renewal period, and that the plan renews automatically.

3.4 Founding member price. If you subscribe at a founding member price, that price stays the same for as long as you stay subscribed without a break. The only change we may make to it is for a change in tax (section 5.2). If you cancel, or your plan ends, and you subscribe again later, the price at that time applies. Promotion codes cannot be used on a founding member price (section 6.2).

3.5 What a plan covers. A plan covers the subscribed App on your supported devices under one SumOne account, as described at checkout.

3.6 Add-ons. Plus, Pro and Max are add-ons on top of the SumMoney plan. They are billed on the same subscription, renew with it, and end if the SumMoney plan ends. You can add, change or remove an add-on at any time, on the web or in the App. When you do, the change takes effect straight away and Stripe adjusts the charge for the rest of the current period, pro rata: a credit when you remove or move down, an extra charge when you add or move up.

3.7 Consent. At checkout you will be asked to tick a box agreeing that the plan renews automatically until you cancel. It will not be ticked for you. You will get a confirmation by email with the price, the renewal period, how to cancel, and a link to cancel.

3.8 Automatic renewal. Your plan renews at the end of each monthly or yearly period, and Link charges the payment method you gave at checkout, until you cancel. For yearly plans, we will email you between 15 and 30 days before each renewal with the price and a link to cancel.

3.9 Cancelling. You can cancel online at any time, in the App, at https://sumone.app/account, or through your Link account at link.com, in no more steps than it took to subscribe. You will not need to call or chat with anyone. We will show you at most one offer before you cancel, with the cancel button beside it. Cancelling stops the next renewal. You keep paid features until the end of the period you paid for, and then the App becomes read-only. Cancelling never deletes your records. You will get an email to confirm.

3.10 Refunds. Link handles refunds under its own terms, and in some cases may refund a payment made within the last 60 days. On top of that, you can ask for a full refund:

Ask through Link at link.com, at support@sumone.app, or at https://sumone.app/account. If you ask us, we will arrange the refund with Link. This is in addition to your rights under consumer law.

3.11 If you are in Australia, you are entitled to a refund or other remedy under the Australian Consumer Law if the service has a major failure. Nothing in these terms limits that. See section 17 of the Terms of Service.

3.12 If you are in the European Union or the United Kingdom, you can withdraw from a new paid plan within 14 days. If you ask us to start paid features straight away, you pay only for the days you used.

3.13 Failed payments. If a renewal payment fails, you will be told and the payment will be tried again for a short time. If it still fails, the App becomes read-only until payment succeeds.

4. Where plans are available

4.1 Paid plans are offered only in the countries on our list at https://sumone.app/legal/countries. They are not offered in any country under US or other applicable sanctions or embargoes.

4.2 If a plan is bought from a country where it is not offered, including where the billing address is in such a country, we may refuse it or cancel it. If we cancel a plan you paid for, you will get a refund of the amount paid.

4.3 Using the Apps without a paid plan is also subject to the sanctions terms in the Terms of Service (section 3.7).

5. Changes

5.1 Price changes. We will tell you about any price increase for an active plan at least 30 days before it applies, by email and in the App, with a link to cancel. The new price applies only from your next renewal after that notice. You can cancel before then at no cost. Price changes never apply to a period you have already paid for. A founding member price does not go up while you stay subscribed without a break, except under section 5.2.

5.2 Tax changes. If a government changes a GST, VAT or sales tax rate, we may change the price to reflect it. This applies to every plan, including founding member prices. We will tell you at least 30 days before your next renewal at the new price, by email and in the App, with a link to cancel. You can cancel before then at no cost.

5.3 Feature changes. If we remove or materially reduce a feature of your paid plan, we will give you 30 days' notice and a pro-rata refund of the unused part of any prepaid period if you cancel (Terms of Service, section 13.2).

5.4 Preview access. During the preview, some paid features may be available to you at no charge. That access ends on the date we show in the App. You will not be charged unless you choose to subscribe.

5.5 Changes to these terms. If we make a change that matters, we will show you the new version in the App for you to accept before it applies (Terms of Service, section 13).

6. Promotion codes

6.1 We may offer promotion codes that take a percentage off the price for a stated time. You enter a code at checkout. Each code shows what it takes off, which plans and add-ons it covers, and for how long.

6.2 You can use one promotion code per subscription. Codes cannot be combined with each other or used on a founding member price. They apply to the standard SumMoney price and to add-ons.

6.3 A code lasts for the time it states, for example your first 3 months. After that, your plan renews at the normal price. Checkout shows that price before you pay.

6.4 We may stop offering a code to new sign-ups at any time. If you already used it, it keeps working for you until the end of its stated time, as long as you stay subscribed. A code may also have an expiry date, a limit on how many people can use it, or be only for new customers.

6.5 Promotion codes have no cash value and cannot be exchanged for money.

7. Inviting a friend (referrals)

7.1 As a member, you get a personal invite code and link in the App. A friend who subscribes with it gets their first month of the SumMoney plan free.

7.2 Once your friend's first paid month goes through, you get your next month of the SumMoney plan free. It is given as a 100% discount on your next renewal. Nothing is given just for a sign-up, a free month, or a payment that is later refunded.

7.3 You can earn up to 12 free months in any 12 months. Founding members can take part too.

7.4 You cannot refer yourself, another account you control, or an account made up for the purpose. We may check for this, for example by looking for the same payment card or email address, and we may hold back or remove rewards gained this way.

7.5 Referral rewards have no cash value. They cannot be exchanged for money, sold or passed to someone else.

7.6 We may change or end the referral programme. We will give you at least 30 days' notice in the App or by email. Free months you have already earned stay yours.

7.7 Your invite is personal. Do not post your code in ads or on coupon sites, or send it to people who have not asked for it.

8. Gift cards

8.1 You can buy SumMoney as a gift for 3, 6 or 12 months. A gift card is a one-off purchase on the web, sold through Link like a plan (section 3.2), with tax charged when you buy it. You get a gift code by email, and a card you can print.

8.2 The person you give it to redeems the code by signing in to a SumOne account and entering it. They then get a complimentary membership of the SumMoney plan for the gift's length, with no payment card needed. It does not renew on its own. Near the end, we will invite them to subscribe.

8.3 Each code can be used once.

8.4 A gift code is valid for 5 years from the date it was bought. This is meant to meet the minimum expiry rules in the United States and Australia.

8.5 If a gift code has not been redeemed, the buyer can ask for a full refund within 30 days of buying it. A gift code cannot be refunded once it has been redeemed, or after those 30 days. This does not limit your rights under consumer law.

8.6 Gift codes have no cash value and cannot be exchanged for money. Keep your code safe. Once we have delivered it, we are not responsible if it is lost, stolen or used by someone else. If it has not been redeemed, we can send it again to the buyer's email address.

9. Contact

Janisis, Inc., 4023 Kennett Pike #50222, Wilmington, DE 19807, USA