Terms of Service
Last updated: January 2026
1. Acceptance of Terms
By accessing or using Less Panic ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service.
2. Description of Service
Less Panic is a personal finance management tool that helps users track recurring bills, income, and account balances. The Service includes web-based access and integrations with third-party financial services.
3. Account Registration
To use Less Panic, you must:
- Be at least 18 years old
- Provide accurate and complete registration information
- Maintain the security of your account credentials
- Notify us immediately of any unauthorized account access
You are responsible for all activities that occur under your account.
4. Subscription and Billing
Free Trial
New users receive a 30-day free trial with full access to all features. After the trial, a 15-day grace period allows continued access before subscription is required.
Paid Subscription
After the trial period, continued use requires a paid subscription at $5/month or $50/year. Subscriptions are billed in advance and renew automatically until cancelled.
Cancellation
You may cancel your subscription at any time through your account settings. Cancellation takes effect at the end of the current billing period. We do not provide refunds for partial billing periods, except as required by law.
5. Acceptable Use
You agree not to:
- Use the Service for any illegal purpose
- Attempt to gain unauthorized access to the Service or other users' accounts
- Interfere with or disrupt the Service
- Upload malicious code or content
- Use automated systems to access the Service without permission
- Resell or redistribute the Service without authorization
6. Third-Party Integrations
Less Panic integrates with third-party services including LunchMoney, Stripe, and Plaid (coming soon). Your use of these integrations is subject to their respective terms of service. We are not responsible for third-party service availability or functionality.
7. Email Forwarding Service
Less Panic provides a unique email forwarding address for automated bill extraction. By using this feature:
- You agree to only forward emails you have the right to share
- Forwarded emails are processed using third-party AI services to extract billing information
- Email content (excluding attachments) is stored for 14 days then automatically deleted
- We do not read or store email attachments
- Your forwarding address is permanent once activated
8. Data and Privacy
Your use of the Service is also governed by our Privacy Policy. By using the Service, you consent to our collection and use of data as described in the Privacy Policy.
9. Intellectual Property
The Service, including its design, features, and content, is owned by Less Panic and protected by intellectual property laws. You may not copy, modify, or distribute any part of the Service without our written permission.
You retain ownership of the data you input into the Service. By using the Service, you grant us a license to process your data as necessary to provide the Service.
10. Disclaimers
THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. We do not guarantee that the Service will be uninterrupted, secure, or error-free.
Less Panic is a tool for personal finance tracking and is not a substitute for professional financial advice. We are not responsible for financial decisions made based on information in the Service.
11. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, LESS PANIC SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES.
Our total liability for any claims arising from the Service shall not exceed the amount you paid us in the 12 months preceding the claim.
12. Account Termination
You may delete your account at any time through your account settings. We may suspend or terminate your account if you violate these Terms.
Upon termination, your right to use the Service ceases immediately. Data deletion follows our Privacy Policy.
13. Changes to Terms
We may modify these Terms at any time. We will notify you of significant changes by email or through the Service. Continued use after changes constitutes acceptance of the new Terms.
14. Governing Law
These Terms are governed by the laws of the jurisdiction where Less Panic operates, without regard to conflict of law principles.
15. Dispute Resolution
Any disputes arising from these Terms or the Service shall be resolved through binding arbitration, except where prohibited by law. You waive any right to participate in class action lawsuits.
16. Contact Information
For questions about these Terms, please contact us at: