Last updated: August 17, 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, including transaction visibility settings, 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 a limited number of connected bank accounts.
Premium Tier: Jointly Premium unlocks additional features, including more connected bank 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. If you subscribe again, all paused accounts resume syncing automatically and the App backfills the transactions from the period they were paused.
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 LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE APP SHALL NOT EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.
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. You agree that any dispute arising out of or relating to these Terms or the App shall be resolved exclusively in the state or federal courts located in New York County, New York, and you consent to the personal jurisdiction of such courts.
Before initiating any formal legal proceeding, you agree to contact us at legal@getjointly.co and provide a written description of the dispute. We will attempt in good faith to resolve the dispute informally within 30 days of receiving your notice.
We may update these Terms from time to time. We will notify you of material changes by updating the "Last updated" date at the top of this page. Your continued use of the App after any changes constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the App.
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