Last updated: October 12, 2026
By downloading, installing, or using the Jointly mobile application (the "App"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the App.
These Terms constitute a legally binding agreement between you and Joshua Knopman, a sole proprietor based in Brooklyn, New York ("Jointly," "we," "us," or "our"), the operator of the Jointly application.
Jointly is a personal finance tool designed to help couples and partners track, split, and settle shared expenses. The App allows users to:
Jointly is a tool for tracking and organizing shared expenses only. Jointly is not a bank, financial institution, payment processor, or financial advisor. We do not hold, transfer, or process funds on your behalf.
You must be at least 18 years of age to use the App. By using the App, you represent and warrant that you meet this requirement. The App is intended for use by individuals in the United States.
To use the App, you must create an account using Sign in with Apple, Google Sign-In, or an email address and password. You are responsible for:
We reserve the right to suspend or terminate accounts that violate these Terms.
The App allows you to pair with one partner to share expense and split data. By pairing with a partner, you acknowledge that:
The App's privacy features, such as marking a transaction Personal so it is not shared, are tools to help you manage what you share. Use them in a manner appropriate to your relationship and circumstances.
If you choose to connect a bank account, you do so through Plaid Inc. ("Plaid"), a third-party financial data provider. By connecting a bank account, you agree to Plaid's End User Privacy Policy and authorize Plaid to access your financial data on your behalf.
Jointly never receives, stores, or has access to your bank login credentials. All bank authentication is handled entirely by Plaid. Jointly receives only transaction data (merchant name, amount, date, category) and basic account metadata (institution name, masked account number) from Plaid.
You can disconnect your bank account at any time through the App's settings. Disconnecting immediately revokes Plaid's access to your account data and stops future syncing; transactions already synced are retained. To remove them, use "Remove Accounts" in Settings → Connected Accounts, which removes the individual accounts you select, or delete your account.
Inactivity. To avoid maintaining access to your financial data when the App is no longer in use, we may automatically pause your bank connections after an extended period of inactivity (currently 45 days without opening the App). We will notify you before this happens. When a connection is paused, the associated Plaid access is revoked, but your existing transactions, splits, and settlement history are retained and remain available in the App. You can reconnect at any time from Settings to resume syncing. This inactivity pause applies to all connections. For Apple Wallet connections via FinanceKit (Section 6b) there is no third-party access token to revoke, so pausing means we stop reading your Apple accounts until you reconnect from Settings.
If you choose to connect your Apple Wallet, you do so through Apple's FinanceKit framework, a system-level API that reads financial data stored locally on your device. Unlike Plaid, Apple does not act as a data intermediary — transaction data flows directly from your device to our servers.
Authorization is handled by the iOS operating system through a system-level prompt. Jointly never receives, stores, or has access to your Apple ID credentials or Apple Wallet passwords. Jointly receives only transaction data (merchant name, amount, date, category) and basic account information (account type) from FinanceKit.
You can revoke FinanceKit access at any time through the App's settings or via iOS Settings → Privacy & Security → Finance. Revoking access immediately stops Jointly from accessing new transaction data from your Apple Wallet.
Free Tier: Jointly offers a free tier that includes manual expense entry, core splitting functionality, and limited numbers of connected accounts, repeating splits, and auto-hide rules, with a shorter transaction history and Insights for the current month.
Premium Tier: Jointly Premium unlocks additional features, including more connected accounts, extended transaction history, unlimited repeating split rules and auto-hide rules, custom categories, advanced insights, and the ability to export split data. The specific features and limits of each tier are displayed within the App. Your subscription is subject to Apple's payment terms.
Title, Length, and Price: The subscription is "Jointly Premium," billed at $3.99 per month (USD) as an auto-renewing monthly subscription. The current price is also shown on the in-app purchase screen prior to purchase; prices in other regions and any changes will be shown before you are charged. Payment is charged to your Apple ID account at confirmation of purchase.
Shared Subscription: A Premium subscription is shared between paired partners — when either partner subscribes, both partners receive access to Premium features for the duration of the subscription.
Billing: The subscription automatically renews for the same one-month period unless auto-renew is turned off at least 24 hours before the end of the current period. Your Apple ID account is charged for renewal within 24 hours prior to the end of the current period. You can manage or cancel your subscription at any time through your Apple ID account settings. Purchasing is also governed by the terms shown at the point of sale and by Apple's standard Licensed Application End User License Agreement (EULA).
When a Subscription Ends: If your subscription lapses or is cancelled, your data is not deleted — all transactions, splits, settlement history, and transactions you marked Personal are retained. Free-tier limits resume. Because the free tier syncs fewer connected accounts than Premium, you will be asked to choose which account continues syncing, and any additional accounts are paused. A paused account is not disconnected and its existing history remains in the App; it simply stops importing new transactions. An account that starts syncing while you are on the free tier imports only its most recent month of history. Likewise, if you have more repeating splits or auto-hide rules than the free tier allows, you choose which stay on and the rest are paused; paused rules are kept, not deleted. If you subscribe again, all paused accounts and rules resume automatically and the App backfills the transactions from the period those accounts were paused. A paused repeating expense resumes from its next scheduled date; charges it would have added while paused are not added retroactively.
Refunds: All purchases are subject to Apple's refund policy. Jointly does not directly issue refunds for App Store purchases.
You agree not to use the App to:
Transaction data displayed in the App is sourced from your financial institution via Plaid or Apple FinanceKit. While we strive to display accurate information, we cannot guarantee the accuracy, completeness, or timeliness of transaction data. Factors outside our control — including delays from your financial institution, categorization errors, or pending transaction states — may affect what you see.
You are solely responsible for verifying the accuracy of any financial information displayed in the App before making financial decisions or settlements based on it.
The App, including its design, code, content, trademarks, and branding, is owned by Joshua Knopman and protected by applicable intellectual property laws. These Terms do not grant you any rights to use Jointly's name, logo, or branding.
You retain ownership of any data you enter into the App. By using the App, you grant us a limited license to store and process your data solely for the purpose of providing the App's functionality.
Your use of the App is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review it carefully.
THE APP IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
We do not warrant that the App will be uninterrupted, error-free, or free of viruses or other harmful components. We do not warrant the accuracy or completeness of any financial data displayed in the App.
TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, JOINTLY AND ITS OPERATOR SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR USE, ARISING OUT OF OR RELATED TO YOUR USE OF THE APP, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
This includes but is not limited to:
IN JURISDICTIONS THAT DO NOT ALLOW THE EXCLUSION OR LIMITATION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, OUR LIABILITY IS LIMITED TO THE MAXIMUM EXTENT PERMITTED BY LAW.
IN ALL CASES, OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE APP — WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, STATUTE, OR ANY OTHER THEORY — SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNTS YOU PAID FOR THE APP IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, INCLUDING AMOUNTS PAID TO APPLE FOR A JOINTLY PREMIUM SUBSCRIPTION, AND (B) ONE HUNDRED U.S. DOLLARS (US $100).
THIS LIMITATION IS AN AGREED ALLOCATION OF RISK, IS AN ESSENTIAL BASIS OF THE BARGAIN BETWEEN US, APPLIES IN THE AGGREGATE AND NOT PER INCIDENT, AND SURVIVES ANY FAILURE OF ESSENTIAL PURPOSE OF ANY LIMITED REMEDY. THE APP IS OFFERED AT NO CHARGE OR AT A LOW SUBSCRIPTION PRICE, AND WE WOULD NOT BE ABLE TO OFFER IT WITHOUT THESE LIMITS.
Some jurisdictions do not allow certain limitations of liability, so some of the above may not apply to you. Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, including liability for fraud, fraudulent misrepresentation, or death or personal injury caused by negligence.
You agree to indemnify, defend, and hold harmless Jointly and its operator from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in connection with: (a) your use of the App; (b) your violation of these Terms; or (c) your violation of any applicable law or the rights of any third party.
We reserve the right to suspend or terminate your access to the App at any time, with or without cause or notice. You may delete your account at any time through the App's settings. Upon termination, your right to use the App ceases immediately. Data deletion following account termination is governed by our Privacy Policy.
These Terms are governed by the laws of the State of New York, without regard to its conflict of law provisions, except that the Federal Arbitration Act governs the interpretation and enforcement of Section 17 (Dispute Resolution).
Subject to Section 17 — which requires most disputes to be resolved by individual arbitration rather than in court — any dispute that is not subject to arbitration (because it falls within an exception in Section 17.4, because you validly opted out under Section 17.5, or because the arbitration agreement is held unenforceable) shall be brought exclusively in the state or federal courts located in New York County, New York, and you consent to the personal jurisdiction of those courts. Nothing in this section overrides any mandatory consumer protection right available to you under the law of your place of residence.
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT AND TO HAVE A JURY TRIAL, AND REQUIRES INDIVIDUAL ARBITRATION INSTEAD OF CLASS ACTIONS.
17.1 Informal resolution first. Before starting an arbitration or any formal proceeding, you agree to contact us at legal@getjointly.co with a written description of the dispute, the relief you seek, and your contact details. We will do the same for any dispute we have with you. Both of us agree to try in good faith to resolve the dispute informally for at least sixty (60) days after that notice. This step is a condition of starting arbitration, and the applicable statute of limitations is tolled while it runs.
17.2 Agreement to arbitrate. If the dispute is not resolved informally, you and Jointly agree that any dispute, claim, or controversy arising out of or relating to these Terms, the App, or our relationship — including its formation, interpretation, breach, termination, validity, or enforceability, and including claims that arose before you accepted these Terms — will be resolved by binding individual arbitration rather than in court, except as set out in 17.4.
The arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, as modified by these Terms. The rules are available at adr.org. The arbitration will be conducted by a single arbitrator. You may choose to have it conducted by telephone, by video, based only on written submissions, or in person in the county where you live or another mutually agreed location. The arbitrator may award the same individual relief a court could, including statutory damages and attorneys' fees where a statute provides for them, and any award may be entered as a judgment in any court of competent jurisdiction.
17.3 Class action and jury trial waiver. YOU AND JOINTLY EACH WAIVE THE RIGHT TO A TRIAL BY JURY AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR ANY OTHER REPRESENTATIVE PROCEEDING. Claims may be brought only in your or our individual capacity. The arbitrator may not consolidate more than one person's claims or preside over any form of representative proceeding, and may award relief only in favor of the individual party seeking relief and only to the extent necessary to provide that relief. If this paragraph is found unenforceable as to a particular claim or request for relief, that claim or request shall be severed and brought in court, while all other claims proceed in arbitration.
17.4 Exceptions. Either of us may bring an individual claim in small claims court if it qualifies. Either of us may also seek injunctive or equitable relief in court to protect intellectual property rights or to stop unauthorized access to or misuse of the App. Nothing here prevents you from reporting a concern to any government agency.
17.5 Your right to opt out. You may opt out of this arbitration agreement and the class action waiver within thirty (30) days of first accepting these Terms by emailing legal@getjointly.co with the subject line "Arbitration Opt-Out" and including your name and the email address on your account. Opting out affects nothing else in these Terms, and we will not retaliate or restrict your use of the App because you opted out. If you opt out, Section 16 (Governing Law) governs where disputes are heard.
17.6 Coordinated filings. If twenty-five (25) or more similar demands for arbitration are filed against us by or with the assistance of the same law firm or coordinated group, the demands will be administered in staged batches of no more than fifty (50) at a time, with a single arbitrator per batch, and the statute of limitations will be tolled for demands awaiting their batch. This paragraph exists to keep arbitration workable at volume and does not limit anyone's individual rights.
17.7 Costs and fees. Payment of filing, administration, and arbitrator fees is governed by the AAA Consumer Arbitration Rules. If those rules require you to pay more than you would to file the same claim in court, we will pay the difference.
17.8 Survival. This Section 17 survives termination of these Terms and deletion of your account.
These Terms are between you and Jointly only, not with Apple Inc. ("Apple"). The following applies to your use of the App obtained through the Apple App Store, and in the event of any conflict, this section controls over the rest of these Terms with respect to Apple.
Jointly is an informational and organizational tool. Nothing in the App or in any communication from us constitutes financial, investment, accounting, tax, or legal advice, and nothing in the App is a recommendation to take or refrain from any financial action. We are not your advisor and owe you no advisory duty. You should consult a qualified professional before making financial decisions, and you are solely responsible for the decisions you make.
Balances, splits, categories, and settlement records shown in the App are a convenience for tracking expenses between you and your partner. They are not an accounting record, tax record, invoice, statement of account, or legally binding determination of any debt between you and any other person.
No fiduciary, agency, trustee, escrow, partnership, joint venture, or confidential relationship is created between you and Jointly by these Terms or by your use of the App.
Jointly is not a bank, money transmitter, money services business, payment processor, payment facilitator, debt collector, credit reporting agency, or financial institution, and is not licensed or registered as any of those. Jointly never receives, holds, custodies, transmits, or settles funds. When you choose to settle a balance, the App simply opens a third-party payment application with certain details pre-filled; the payment itself takes place entirely outside Jointly, between you and that provider.
Jointly is a shared tool. When you pair with a partner, each of you can see and act on the shared data described in these Terms and in our Privacy Policy.
Any disagreement between you and your partner — about a balance, a split, an expense, what the other person could see, money owed, or the end of your relationship — is between the two of you. You release Jointly and its operator from all claims, demands, and damages of every kind arising out of or connected with any dispute between you and a current or former partner, including any claim relating to data your partner saw, retained, exported, or acted on while you were paired.
We have no obligation to mediate, arbitrate, adjudicate, or take any side in such a dispute, and no obligation to retrieve, restore, delete, or withhold data on one partner's behalf against the other's.
The App relies on and interoperates with services we do not control, including Plaid, Apple, your financial institutions, and the payment applications you choose to settle through (such as Venmo, PayPal, Cash App, Apple Cash, or Messages). Your use of those services is governed by their own terms and privacy policies.
We are not responsible for the availability, accuracy, security, or acts or omissions of any third-party service, and we do not guarantee that any payment you initiate through a third-party application will be completed, delivered, or correct. Marking a split as settled in Jointly is a bookkeeping entry you make; it is not proof that a payment occurred and does not create, transfer, satisfy, or discharge any obligation between you and your partner.
We may modify, suspend, or discontinue the App or any feature, limit, or plan at any time, with or without notice, and without liability to you. If we permanently discontinue the App, we will make reasonable efforts to give advance notice and a period in which you can export your data. Refunds for any unused portion of a paid subscription are handled by Apple under the Apple Media Services Terms and Conditions.
Assignment. You may not assign or transfer these Terms or any rights under them without our prior written consent, and any attempt to do so is void. We may assign or transfer these Terms, in whole or in part, without restriction — including to an affiliate, or in connection with a merger, acquisition, reorganization, incorporation of the business into a legal entity, or sale of assets.
Survival. Sections 9, 10, 12, 13, 14, 17, 19, 20, 21, 22, and 24, and any other provision that by its nature should survive, remain in effect after these Terms end or your account is deleted.
Force majeure. We are not liable for any delay or failure to perform caused by circumstances beyond our reasonable control, including acts of God, natural disasters, war, terrorism, labour disputes, governmental action, internet or telecommunications failures, or the failure, suspension, or discontinuation of any third-party service the App depends on, including Plaid, Apple, Google, or your financial institution.
No waiver. Our failure to enforce any provision of these Terms is not a waiver of that provision or of any other, and no waiver is effective unless made in writing by us.
Electronic communications. You consent to receive communications from us electronically, including by email and through in-app notices, and you agree that electronic communications, agreements, and notices satisfy any legal requirement that they be in writing. Notices to you are given to the email address on your account or shown in the App; notices to us must be sent to legal@getjointly.co.
Feedback. If you send us suggestions, ideas, or feedback about the App — including through TestFlight or support — you grant us a perpetual, irrevocable, worldwide, royalty-free licence to use it for any purpose without obligation or compensation to you. Please do not send us anything you consider confidential.
Pre-release builds. If you use a pre-release or beta build of the App, it is provided strictly "as is", may contain errors, and may lose or corrupt data. Features in a pre-release build may change or never ship.
We may update these Terms from time to time. For minor or non-material changes, we will update the "Last updated" date at the top of this page.
For material changes, we will give you at least thirty (30) days' notice before they take effect, by email to the address on your account or by an in-app notice. Material changes apply only going forward and do not apply retroactively to any dispute that arose before the change took effect. Your continued use of the App after a change takes effect constitutes acceptance of the updated Terms. If you do not agree, your remedy is to stop using the App, cancel any subscription through your Apple ID settings, and delete your account.
If we materially change Section 17 (Dispute Resolution), you may reject that change by emailing legal@getjointly.co within thirty (30) days of the notice, in which case the version of Section 17 in effect immediately before the change will continue to apply to you.
If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will continue in full force and effect.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and Jointly regarding your use of the App and supersede all prior agreements and understandings.
If you have questions about these Terms, please contact us at:
Jointly
Operated by Joshua Knopman
Brooklyn, New York
info@getjointly.co