Terms of Service
These Terms apply to current use of the nodedough beta. We may revise them as the beta evolves, with notice for material changes.
1. Who we are; Protected Parties
nodedough (the “Service”), available at nodedough.com and related sites (including test.nodedough.com), is operated by JBNX LLC (“JBNX”, “we”, “us”). These Terms of Service (“Terms”) are an agreement between you and JBNX LLC governing your access to and use of the Service, including websites, apps, emails, and any related content, calculations, forecasts, or communications.
“Protected Parties” means JBNX LLC, the nodedough name and marks, and each of their past, present, and future parents, subsidiaries, affiliates, members, managers, officers, directors, employees, contractors, agents, representatives, licensors, suppliers, successors, and assigns.
2. Acceptance of these Terms
By creating an account, signing in, clicking to agree, or using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service. If you use the Service on behalf of a household, company, or other organization, you represent that you have authority to bind that organization, and “you” includes that organization.
3. Eligibility
You must be at least 18 years old and able to form a binding contract to create or use an account. An adult may include information about dependents in a household budget, but minors may not create or control an account. The Service is currently offered as a beta; we may limit, suspend, or close signups at any time.
4. Your account
- You are responsible for your login credentials and for activity under your account. Enable two-factor authentication where offered.
- You may share a household or company workspace with people you invite. You control who you invite; members you add can see the data your workspace shares with them by design.
- Notify us promptly through Support of any unauthorized use of your account.
5. Entertainment purpose only — what the Service is and is not
THE SERVICE IS PROVIDED FOR ENTERTAINMENT, EDUCATION, AND PERSONAL ORGANIZATION ONLY. It is a hobby-style planning toy and simulation. It is not a professional financial, accounting, bookkeeping, tax, investment, credit, insurance, or legal product. It is not a system of record.
You enter your own figures. The Service may organize, round, project, or display them. All balances, forecasts, runway or “safe to spend” amounts, payoff dates, interest estimates, ownership splits, category totals, and any other number, chart, label, or suggestion shown by the Service (together, “Displayed Figures”) are unofficial estimates and may be wrong.
- Entertainment only; no advice. Nothing in the Service is financial, investment, tax, accounting, credit, insurance, or legal advice. No fiduciary, advisory, or professional relationship is created. Do not treat Displayed Figures as a recommendation to spend, save, borrow, invest, file taxes, pay a bill, or take any other action.
- No bank connections. The Service does not ask for, hold, or transmit bank login credentials, and does not initiate payments or transfers from your accounts.
- Numbers may be wrong. Displayed Figures may be incomplete, stale, rounded, duplicated, omitted, based on incorrect or outdated input, based on simplified math, or the result of a software defect. JBNX LLC does not audit, certify, or reconcile Displayed Figures against any bank, card issuer, employer, tax authority, or other third party.
- No reliance. You agree not to rely on Displayed Figures. Before you spend money, pay a bill, file a return, make a financial commitment, or take any other action, you must independently verify every figure against your own statements and, if needed, a qualified professional you hire.
- Your data, your decisions, your risk. You are solely responsible for the information you enter, for sharing a workspace, and for every decision you or anyone else makes after viewing the Service.
If you need accurate books, tax filings, investment advice, or cash-management you can stake money on, do not use this Service for that purpose.
6. Plans, subscriptions, and billing
- No Dough (free), Node Dough (paid), and any other plan offered at the time are described in the app. The checkout screen shows the price, billing interval, trial period, renewal terms, and any taxes before you subscribe. Know Dough is in development and is not offered for signup.
- Payments are processed by Stripe. We do not receive or store full card numbers. Your payment details are handled by Stripe under its own terms and privacy policy.
- When paid checkout is available, subscriptions renew automatically at the end of each billing period until cancelled. We charge only after any displayed trial ends.
- You can cancel at any time from Manage billing in the app (the Stripe customer portal). Cancelling is as easy as subscribing. Cancellation takes effect at the end of the current billing period, and paid features remain available until then.
- Refunds are governed by our Refund & Cancellation Policy. Payment or a refund does not create any warranty that Displayed Figures are accurate or that the Service is fit for a financial purpose.
- Prices may change. We will give at least 30 days' notice before a price change affects an existing subscription, and existing subscribers' treatment (e.g., grandfathering) will be stated in the notice.
- Applicable sales tax or VAT may be added where required and will be shown at checkout.
7. Acceptable use
You agree not to: misuse, probe, or disrupt the Service; attempt to access other users' data; reverse engineer the Service except where the law permits; use the Service for unlawful activity; resell the Service; or use automated means to scrape or bulk-extract data other than your own. You may not use the Service to provide professional advice to others or as a substitute for licensed accounting, tax, or financial services.
8. Your content and data
- You own the data you enter. We claim no ownership of it.
- You grant us a limited license to host, process, and display your data solely to operate and improve the Service.
- You can request an export or deletion of your data as described in the Privacy Policy.
9. Our intellectual property
The Service, including its software, design, and branding, is owned by JBNX LLC or its licensors and is protected by law. These Terms grant you a personal, non-exclusive, non-transferable right to use the Service; they do not transfer any ownership.
10. Beta features and availability
The Service, and features flagged as beta, are provided as they are, may change, and may be discontinued. We aim for high availability but do not warrant uninterrupted or error-free operation. Features, formulas, and Displayed Figures may change without being suitable for any particular use.
11. Assumption of risk; no reliance
You understand and voluntarily assume all risk arising from use of the Service, including the risk that Displayed Figures are wrong and the risk of any financial, tax, credit, or other loss. You assume that risk on behalf of anyone who views your workspace or acts on information from it.
12. Disclaimers
THE SERVICE, INCLUDING ALL DISPLAYED FIGURES, IS PROVIDED “AS IS,” “AS AVAILABLE,” AND WITH ALL FAULTS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE PROTECTED PARTIES DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, NON-INFRINGEMENT, ACCURACY, COMPLETENESS, TIMELINESS, AND ANY WARRANTY ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.
WITHOUT LIMITING THE FOREGOING, THE PROTECTED PARTIES DO NOT WARRANT THAT: (A) DISPLAYED FIGURES ARE CORRECT, COMPLETE, CURRENT, OR SUITABLE FOR ANY DECISION; (B) THE SERVICE WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE; OR (C) DEFECTS WILL BE CORRECTED. YOU USE THE SERVICE AT YOUR SOLE RISK.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES. IN THOSE JURISDICTIONS, THE DISCLAIMERS APPLY TO THE MAXIMUM EXTENT PERMITTED.
13. Release
To the maximum extent permitted by law, you hereby irrevocably release, waive, and forever discharge the Protected Parties from any and all claims, demands, damages, losses, costs, fees, and liabilities of every kind and nature, known or unknown, suspected or unsuspected, arising out of or relating to: (a) Displayed Figures, including any inaccuracy, omission, delay, or software error; (b) your use of, or inability to use, the Service; (c) any decision, payment, missed payment, overdraft, tax position, credit action, or other act or omission by you or anyone else after viewing the Service; and (d) any dispute among members of a shared workspace.
If you are a California resident, you waive California Civil Code § 1542, which states: “A general release does not extend to claims that the creditor or releasing party does not know or suspect to exist in his or her favor at the time of executing the release and that, if known by him or her, would have materially affected his or her settlement with the debtor or released party.” You also waive any comparable law of any other jurisdiction.
14. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE PROTECTED PARTIES WILL NOT BE LIABLE TO YOU OR TO ANY THIRD PARTY FOR ANY DAMAGES OF ANY KIND, INCLUDING DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES; LOST PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS OPPORTUNITY; OVERDRAFTS, LATE FEES, INTEREST, TAXES, PENALTIES, LOST DISCOUNTS, OR OTHER FINANCIAL HARM; OR COST OF SUBSTITUTE SERVICES — WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER THEORY, EVEN IF A PROTECTED PARTY WAS ADVISED OF THE POSSIBILITY OF SUCH DAMAGES, AND EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE.
WITHOUT LIMITING THE FOREGOING, THE PROTECTED PARTIES HAVE NO LIABILITY FOR INACCURATE, MISSING, OR MISLEADING DISPLAYED FIGURES OR FOR ANY RELIANCE ON THEM.
IF A COURT OR OTHER AUTHORITY DETERMINES THAT THE EXCLUSION OF DAMAGES ABOVE IS UNENFORCEABLE IN A PARTICULAR CASE, THEN THE PROTECTED PARTIES’ TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO JBNX LLC FOR THE SERVICE IN THE 12 MONTHS BEFORE THE CLAIM AROSE, OR (B) FIFTY U.S. DOLLARS (US $50).
THESE LIMITATIONS ARE A FUNDAMENTAL BASIS OF THE BARGAIN. THE SERVICE WOULD NOT BE OFFERED TO YOU WITHOUT THEM.
These limitations do not apply to liability that applicable law says may not be limited or excluded (for example, where a waiver of fraud, willful misconduct, or death or personal injury caused by negligence is prohibited).
15. Indemnification
To the maximum extent permitted by law, you will defend, indemnify, and hold harmless the Protected Parties from and against any claims, demands, actions, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or relating to: (a) your use of the Service; (b) Displayed Figures or anyone’s reliance on them; (c) data you enter or share; (d) your violation of these Terms or of law; (e) your dispute with another workspace member or any third party; and (f) any allegation that your content infringes or misappropriates a right of another. JBNX LLC may assume exclusive defense and control of any matter subject to indemnification; you will cooperate.
16. Termination
You may stop using the Service at any time and may request account deletion through Support. We may suspend or terminate accounts that violate these Terms or create risk for the Service or other users; where reasonable, we will give notice. Sections 1, 5, 8, 9, and 11–19 survive termination, as do any other provisions that by their nature should survive.
17. Governing law and disputes
These Terms are governed by applicable law, without limiting any consumer rights that cannot be waived. Except as prohibited by law, you and JBNX LLC waive any right to a jury trial and agree that disputes will be resolved only in an individual capacity, not as a plaintiff or class member in any class, collective, consolidated, or representative proceeding.
Before filing a claim, you and JBNX LLC agree to make a good-faith effort to resolve it through Support for at least 30 days after a written notice that describes the dispute. A dispute that is not resolved may be brought in any court that has lawful jurisdiction, unless a law that cannot be waived requires another forum.
18. Changes to these Terms
We may update these Terms. For material changes we will give at least 14 days' notice by email or in-app notice before they take effect. Continued use after the effective date constitutes acceptance. If you do not agree, stop using the Service before the change takes effect.
19. Miscellaneous
- Severability. If a provision is held unenforceable, it will be modified to the minimum extent needed to make it enforceable, or if that is not possible, severed. The rest of these Terms remain in effect. If a waiver or limitation is found overbroad, a court should enforce it to the maximum lawful extent.
- Entire agreement. These Terms, the Privacy Policy, and the Refund & Cancellation Policy are the entire agreement between you and JBNX LLC about the Service and supersede prior or contemporaneous terms about the Service.
- No waiver. A failure to enforce a provision is not a waiver.
- Assignment. You may not assign these Terms without JBNX LLC’s consent. JBNX LLC may assign them.
- No third-party beneficiaries except Protected Parties. These Terms do not create third-party beneficiary rights except that each Protected Party may enforce the disclaimers, release, limitation of liability, and indemnity.
- Headings. Headings are for convenience only.
- Interpretation. “Including” means “including without limitation.”
20. Contact
Questions or legal notices may be submitted through Support. Please identify the request as a legal notice and include a reliable way for JBNX LLC to respond.