Clocktown Budgeting
Terms of Use
Effective: June 10, 2026
1. Agreement
These Terms of Use ("Terms") govern your use of Clocktown Budgeting and related Clocktown support services. By creating an account or using Clocktown, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the service.
2. Eligibility and accounts
You must be legally permitted to use the service and any financial accounts you connect. You are responsible for maintaining control of your Apple account and device, providing accurate information, and notifying us if you believe your Clocktown account has been compromised. You may not use another person's financial account without authorization.
3. What Clocktown provides
Clocktown is a personal budgeting tool that can organize deposits, transaction history, scheduled bills, spending guardrails, savings, and debt payoff plans. Calculations and recommendations are based on the information available to the service and on choices you make.
4. Not financial or professional advice
Clocktown is not a bank, lender, credit counselor, investment adviser, tax adviser, law firm, or fiduciary. It does not provide financial, legal, tax, investment, credit, or accounting advice. You remain responsible for payment decisions, account balances, due dates, debt obligations, and the consequences of financial decisions.
5. Data accuracy and timing
Financial data can be delayed, duplicated, pending, incomplete, categorized incorrectly, or changed by a financial institution. User-entered bills, debt balances, merchant rules, and due dates can also be inaccurate. Review important information directly with your financial institution and biller before relying on Clocktown. Safe-to-spend figures are planning estimates, not guarantees that funds are available or that a payment will clear.
6. Connected accounts and Plaid
If you choose to connect an account, Clocktown uses Plaid to establish and maintain that connection. Your use of Plaid may be subject to Plaid's terms and privacy policy. Clocktown does not control financial institutions or Plaid and is not responsible for their availability, decisions, delays, or errors. You authorize Clocktown and its providers to retrieve and process the connected-account information needed to provide the features you request until you disconnect the account or withdraw consent.
7. Acceptable use
You agree not to:
- use Clocktown for unlawful, fraudulent, or abusive activity;
- access another person's account or data without authorization;
- probe, disrupt, bypass, or interfere with security controls;
- introduce malicious code or overload the service;
- copy, resell, reverse engineer, or exploit proprietary portions of Clocktown except where law expressly permits; or
- misrepresent an affiliation with Clocktown or GranFeick.
8. Ownership
Clocktown's software, interface, documentation, graphics, logos, and other original materials are owned by GranFeick LLC, John Feick, or their licensors, as applicable, and are protected by applicable intellectual-property laws. These Terms grant you a limited, personal, non-exclusive, non-transferable, revocable right to use the app for its intended purpose. You retain ownership of information you create or provide.
9. Feedback
If you voluntarily submit product ideas or feedback, you allow us to use that feedback without restriction or compensation, while retaining ownership of any personal information contained in the submission.
10. Beta features and service changes
Preview or beta features may be incomplete, unavailable, or changed without notice. We may add, modify, suspend, or discontinue features when reasonably necessary for security, provider availability, compliance, maintenance, or product development.
11. Account termination and deletion
You may stop using Clocktown, disconnect a linked institution, or delete your account using the controls described on our Account and Data Deletion page. We may suspend or terminate access for material violations of these Terms, fraud, security threats, legal requirements, or provider restrictions. Where practical, we will provide notice.
12. Disclaimers
TO THE MAXIMUM EXTENT PERMITTED BY LAW, CLOCKTOWN IS PROVIDED "AS IS" AND "AS AVAILABLE." WE DISCLAIM WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AVAILABILITY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SUITABLE FOR ANY PARTICULAR FINANCIAL DECISION.
13. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, GRANFEICK LLC AND ITS MEMBERS, PERSONNEL, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST FUNDS, PROFITS, DATA, OR OPPORTUNITIES ARISING FROM USE OF OR INABILITY TO USE CLOCKTOWN. NOTHING IN THESE TERMS EXCLUDES LIABILITY THAT CANNOT LAWFULLY BE EXCLUDED.
14. Changes to these Terms
We may update these Terms when the service or applicable requirements change. We will post the updated effective date and provide additional notice when required. Continued use after an update takes effect means you accept the revised Terms.
15. Governing law
These Terms are governed by the laws of the State of Florida and applicable federal law, without regard to conflict-of-law principles, except where consumer-protection law requires otherwise.
16. Contact
Questions about these Terms can be sent to support@granfeick.com.