Terms - Tendd in colour

What Tendd is

Tendd keeps one list of what you pay for: what it costs, how often it repeats and when it is next due. The list is built from the recurring charges your bank reports, from what you type in yourself, or from both.

Tendd is read-onlyIt cannot move your money. The bank connection has no permission to, and we never ask for one.
Tendd cannot cancel anything for youCancelling happens at the service. Tendd shows you where to go and what to say.
Tendd is not financial adviceIt is a record of what you signed up for. The decisions stay yours.

What the list is worth

Tendd finds what your bank reports as a repeating charge. Something paid another way, or too new to have repeated yet, will not appear, and you can add it yourself.

Your bank's own record is the one that counts. Your list is a clear view of what you are paying for, and it is not a statement.

Your account

Your account is reached by your email address, so anyone who can open your email can open Tendd as you. Keep it safe.

Everything Tendd holds for you is yours to download or to remove, at any time, on Data and privacy.

Free and Tendd Pro

Adding subscriptions yourself is free and unlimited, and so is your first bank scan, which names three of what it finds. Every name, and a bank connection that keeps your list up to date, are Tendd Pro.

Paying for Tendd Pro

The price: $9.99 a month or $69 a year, in US dollars. The payment page shows the total before you pay.
Who takes the payment: Stripe, on its own page. Tendd never sees your card number: it learns which plan you chose and whether the payment went through.
Renewing: Tendd Pro renews by itself at the end of each month or year, at the same price, until you cancel. Before a yearly plan renews, Tendd emails you a month ahead with the date and the amount.
Cancelling: In Settings, under Manage plan, in one step and with no questions. Tendd Pro stays open until the end of the period you paid for, nothing more is charged, and until that day you can keep it after all.
Refunds: If a charge was a mistake, such as a renewal you meant to stop, write to privacy@tendd.co within 14 days of it and we refund it in full. After that we do not refund part of a period that has started, unless the law where you live says we must.
A payment that does not go through: Stripe tries again over the following days, and Tendd Pro stays open while it does. If it still does not go through, your plan returns to Free.
When Tendd Pro ends: Your list stays yours, with every name it had. The bank connection ends, as it does on Free, so the list stops updating by itself.
If the price changes: We email you at least 30 days before a new price applies to you, and you can cancel before then.

The bank connection

Banks are connected through Plaid. You enter your bank details with Plaid and never with us, their terms cover that part, and you can disconnect a bank whenever you want, on Your sources.

When Tendd does not work

Tendd is young, and it will sometimes be down, late or wrong. We do not promise it is always available or always complete, and we cannot take on what a missed charge costs you. What we do promise is the read-only limit above, which is enforced in the code and not only written here.

Ending it

You can delete everything at any time, and nothing is kept back: no copy, no archive.

We can close an account that is being used to break the law or to damage Tendd for other people, and we will tell you why.

When these terms change

The date at the top of this page is the day it last changed. If a change affects what you get or what you pay, we will tell you by email before it takes effect.

Who runs Tendd

Tendd is run by one person and not by a company. There is no business registered behind it yet, and when there is, this page will name it.

Write to privacy@tendd.co about anything on this page: what Tendd holds about you, how to get a copy of it, how to remove it, or a sentence here that does not match what you see. One person reads that address.