Terms of Use

In plain terms

Plain language: a 14-day free trial, then $15.99 a month or $175.89 a year. You can cancel from your app store any time. If you violate the rules (fraud, abuse, illegal use), we can suspend your account.

Read this first

These Terms of Use (“Terms”) form a legal agreement between you and Lefover LLC. They explain what Lefover is, what you can expect from us, and what we expect from you.

Some sections are really important:

Section 10 (Disclaimers) — Lefover is not financial advice and we’re not a bank.
Section 11 (Limitation of Liability) — this limits how much we owe you if something goes wrong.
Section 14 (Arbitration and Class Action Waiver) — you agree to resolve disputes with us in individual arbitration instead of court, and you waive your right to participate in class actions. You can opt out of this within 30 days of creating your account — see §14.8 for how.

If any of this is unacceptable to you, don’t use Lefover.

By creating an account, subscribing, or using the Lefover app or website, you agree to these Terms. If you don’t agree, you can’t use the Service.

1. Who we are

These Terms are between you (“you,” “your”) and Lefover LLC (“Lefover,” “we,” “us,” “our”), an Ohio limited liability company located at:

Lefover LLC 4682 Cold Springs Ct Columbus, OH 43220 United States

Contact: [email protected]

2. What Lefover is

Lefover is a mobile application that helps you understand how much money you can safely spend between paychecks (or how long your money will last, if your income is irregular). The app connects to your bank accounts through Plaid, analyzes your transactions, identifies your recurring bills, and calculates your “leftover” — the money available for discretionary spending.

Lefover is informational, not advisory. It is not a bank, a financial advisor, an investment platform, a bill-pay service, or a credit monitor. We are not regulated as a financial institution. The app gives you a clearer picture of your spending situation so you can make better decisions, but the decisions are yours.

3. Eligibility

To use Lefover, you must:

Be at least 18 years old (or the age of legal majority in your jurisdiction, if higher)
Reside in a country where Lefover is currently available (United States or Canada at launch)
Have at least one checking account that can be linked via Plaid
Not be located in a country subject to U.S. government sanctions or on a U.S. government list of prohibited or restricted parties
Not have been previously banned from the Service

By creating an account, you represent and warrant that you meet all eligibility requirements.

4. Your account

4.1 Account creation

You create a Lefover account by signing in with Google Sign-In or Sign in with Apple. We use your email address from that sign-in as your account identifier. You are responsible for the security of your Google or Apple account.

4.2 Regional accounts

Lefover operates separate regional accounts for each country we support. If you create an account in one country and later want to use Lefover in another country, you will need to create a separate account in the new region. These accounts are fully independent — separate subscriptions, separate data.

4.3 Account security

You are responsible for all activity that occurs under your account. Notify us immediately at [email protected] if you believe your account has been compromised.

4.4 Account accuracy

You agree to provide accurate information and keep it up to date.

4.5 One account per person per region

You may not create multiple accounts in the same region to circumvent these Terms, trial limitations, or billing.

5. Subscription and payments

5.1 Free trial

Lefover offers a 14-day free trial for new users. During the trial:

You have full access to every feature.
You may link up to three (3) accounts (any mix of checking and credit cards).
There is no separate card step inside the app. Billing is handled by your App Store or Google Play account, using the payment method already on file there. You will not be charged during your free trial. Your 14 days of free access end at the close of day 14, and billing begins then unless you cancel before that point. If you cancel during the trial, you will not be billed.

5.2 Subscription plans

After the free trial, you may subscribe to one of our plans:

Monthly: $15.99 per month
Annual: $175.89 per year (one month free compared to twelve months at the monthly rate)

Every plan includes the same features and supports up to three (3) connected accounts (any mix of checking and credit cards). Savings accounts are not tracked. There is no per-account add-on fee.

Prices are in U.S. dollars for U.S. users. Canadian users and United Kingdom users are charged equivalent amounts in their local currency, set by Apple or Google. Pricing may be updated periodically — we will notify you of pricing changes for future billing periods.

5.3 How billing works

All billing is handled through Apple’s App Store (for iOS users) or Google Play (for Android users). Lefover does not process payments directly.

Apple and Google charge your payment method on file
Subscriptions automatically renew unless you cancel before the renewal date
You manage, update, or cancel your subscription through your Apple or Google account settings

5.4 Auto-renewal

Your subscription automatically renews at the end of each billing period (monthly or annually) unless you cancel before renewal. You will be charged the then-current subscription price. You can disable auto-renewal in your Apple or Google account settings.

5.5 Cancellation

You may cancel your subscription at any time through your Apple or Google account settings. Cancellation takes effect at the end of your current paid period — you retain access until then. After your subscription ends, the lifecycle described in §5.7 applies.

5.6 Refunds

Refunds are handled by Apple or Google per their respective platform policies. Lefover does not issue refunds directly.

5.7 What happens when your subscription ends

Your subscription can become inactive in two ways: your trial ends without payment (after we have attempted to collect payment and given you a short period to update it), or you receive a refund. When your subscription becomes inactive:

Immediately: we disconnect your linked bank accounts by removing the bank connections, and the app returns you to the subscription screen. This stops ongoing costs associated with your bank data connections.
For 90 days: we keep your Lefover account and all its data. You can resubscribe at any time within those 90 days to restore access. When you resubscribe, you will relink your bank accounts. Your historical data is still there.
After 90 days: if you have not resubscribed, your account and all its data are permanently and irreversibly deleted.

5.8 Goodwill and promotional credits

We may, at our sole discretion, extend trials, issue promotional credits, provide refunds, or make other accommodations on a case-by-case basis. These are not obligations and do not create any right to future accommodations of the same kind.

5.9 Taxes

Prices do not include applicable taxes. Apple and Google may collect and remit sales tax, VAT, GST, or similar taxes as required by law, added to your subscription price.

6. Plaid integration

Lefover uses Plaid to connect to your bank. When you link an account:

You authorize Plaid to access your bank on your behalf
You authorize Plaid to share your account data with Lefover
Plaid’s terms and privacy policy govern their handling of your bank data
Lefover receives account identifiers, balances, and transaction data from Plaid — not your bank credentials

Plaid’s Privacy Policy is available at https://plaid.com/legal/. By using Lefover, you also agree to Plaid’s applicable end user agreements.

We are not responsible for Plaid’s availability, accuracy, or behavior. If Plaid fails to provide data, reports incorrect data, or has an outage, Lefover’s calculations may be affected. We rely on Plaid as our data source.

7. How you may use Lefover

You may use Lefover only for lawful, personal purposes. This is a consumer product — not for commercial, enterprise, or business use without our prior written agreement.

7.1 Prohibited conduct

You agree not to:

Share your account with others or allow others to use it
Sell, rent, or transfer your account access
Create accounts for other people without authorization
Reverse engineer, decompile, or disassemble the app or our services
Scrape, automate, or use bots to interact with the service
Attempt unauthorized access to any part of Lefover’s infrastructure
Use the service to launder money, commit fraud, or facilitate illegal activity
Upload malicious content, malware, or abusive material (including in support messages)
Harass, threaten, or abuse Lefover staff through support channels
Misrepresent your identity or impersonate others
Circumvent security or access controls
Use the service to violate any applicable law
Copy or imitate Lefover’s design, branding, or content for any competing service

7.2 Enforcement

Violation of §7.1 may result in immediate suspension or termination of your account without refund. We may also take legal action if appropriate.

8. Intellectual property

8.1 Lefover’s intellectual property

Lefover owns all rights to:

The Lefover mobile and web applications (code, design, architecture)
The Lefover name, logo, and brand
Our algorithms, classification logic, and product concepts
Content we create (blog posts, help articles, marketing materials)
Documentation, and any other materials we provide

You may not use, copy, modify, distribute, or create derivative works from any of the above without our prior written permission, except as expressly permitted by these Terms or applicable law.

8.2 Your content and data

You retain all rights to:

Your personal information
Your transaction data (subject to your bank’s rights and Plaid’s terms)
Classifications you manually apply to transactions
Messages you send through our support system
Bills you manually create

You grant Lefover a worldwide, non-exclusive, royalty-free license to use, process, and store your data solely to provide the Service. This license is necessary — without it, we couldn’t legally operate Lefover on your behalf. The license ends when you delete your account (subject to our retention policies).

We do not claim ownership of your data. We do not use your data to train AI models. We do not sell your data. Our full data practices are in the Privacy Policy.

8.3 Feedback

If you send us suggestions, ideas, or feedback, you grant us the right to use that feedback freely, without compensation or restriction.

9. Service changes and availability

9.1 We may change the Service

We reserve the right to:

Add, remove, or modify features
Change how the Service works
Discontinue the Service or parts of it
Change system requirements (e.g., minimum iOS/Android versions)
Change pricing (with notice for future billing periods)

Most changes will be silent improvements. For material changes that affect your use, we will notify you — typically via email or in-app banner.

9.2 We do not guarantee availability

We aim for high availability but don’t guarantee uninterrupted service. The Service may be unavailable for:

Scheduled maintenance
Emergency maintenance
Issues with third-party services we depend on (Plaid, Apple, Google, etc.)
Outages beyond our reasonable control

We are not liable for downtime or data access interruptions.

9.3 If we shut down the Service

If Lefover discontinues operations entirely, we will provide at least 30 days’ notice via email (to the address on your account) and in-app banner. We will give you a reasonable opportunity to export your data before shutdown.

10. Disclaimers

10.1 Not financial advice

LEFOVER IS NOT A FINANCIAL ADVISOR, BANK, BROKER-DEALER, INVESTMENT ADVISOR, OR FIDUCIARY. The Service provides informational content only. Nothing in the Service constitutes financial, investment, tax, legal, or other professional advice.

You are solely responsible for your financial decisions. You should consult a qualified professional before making significant financial decisions. Do not rely on Lefover’s calculations as the sole basis for any financial action.

10.2 Calculations are informational

Lefover’s calculations — including your “leftover,” daily allowance, runway, burn rate, and bill predictions — are estimates based on data from Plaid and algorithms we maintain. These calculations:

Depend on the accuracy of data from your bank (via Plaid)
Depend on correctly classifying your transactions
May be affected by delays in transaction posting, pending transactions, and bank holds
Are not guarantees
Can be wrong

You are responsible for your own cash flow. If you rely on Lefover’s calculations and overdraw your account, miss a bill, or make a financial decision you regret, Lefover is not liable for the consequences.

10.3 Service provided “AS IS”

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

IMPLIED WARRANTIES OF MERCHANTABILITY
FITNESS FOR A PARTICULAR PURPOSE
NON-INFRINGEMENT
QUIET ENJOYMENT
ACCURACY, COMPLETENESS, OR RELIABILITY OF CONTENT

Some jurisdictions do not allow the exclusion of certain warranties. In such jurisdictions, the above exclusions apply to the maximum extent permitted by law.

10.4 We don’t guarantee

We do not warrant that:

The Service will meet your requirements
The Service will be uninterrupted, timely, or error-free
Results obtained from the Service will be accurate or reliable
Errors in the Service will be corrected

10.5 Third-party services

The Service relies on third parties (Plaid, Apple, Google, RevenueCat, Anthropic, DigitalOcean, Postmark). We do not control these services and are not responsible for their availability, accuracy, or conduct.

11. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

11.1 No liability for indirect damages

LEFOVER, ITS OWNERS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:

Lost profits or revenues
Lost data
Costs of replacement services
Lost business opportunities
Emotional distress
Damages arising from overdrafts, missed bills, or financial decisions made based on Service calculations
Damages arising from data inaccuracies from Plaid or other third parties

11.2 Cap on direct damages

OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE IS LIMITED TO THE GREATER OF:

The amount you paid Lefover in the 12 months before the claim arose, or
One Hundred U.S. Dollars ($100)

This cap applies regardless of the legal theory of the claim (contract, tort, warranty, statute, or otherwise) and applies even if we have been advised of the possibility of such damages.

11.3 Exceptions required by law

Some jurisdictions do not allow certain limitations of liability. In those jurisdictions, our liability is limited to the maximum extent permitted by law. Nothing in these Terms limits liability that cannot be limited by law (such as for gross negligence, willful misconduct, or certain consumer protection rights).

12. Indemnification

You agree to indemnify, defend, and hold harmless Lefover, its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, or expenses (including reasonable attorney’s fees) arising out of or related to:

Your use of the Service
Your violation of these Terms
Your violation of any law or third-party rights
Content you submit or share through the Service
Your interactions with third-party services (including Plaid and your bank)

We may, at our expense, assume the exclusive defense and control of any matter otherwise subject to your indemnification. You agree to cooperate with our defense.

13. Termination

13.1 You may terminate at any time

You can terminate your relationship with Lefover by:

Canceling your subscription (through Apple or Google)
Deleting your account (through Settings in the app)

Upon termination:

Your data is handled per our retention policy (see Privacy Policy, §7)
Any outstanding charges remain payable
Sections that by their nature should survive termination will survive (including §8, §10, §11, §12, §14, §16, and §18)

13.2 We may terminate for cause

We may suspend or terminate your account immediately, without prior notice, if:

You violate these Terms
You engage in fraudulent or abusive conduct
You fail to pay fees owed
Your account poses a security risk
We are required to by law

In such cases, no refund is owed.

13.3 We may terminate without cause

We may terminate your account without cause with 30 days’ written notice (typically via email to your account address). This would only happen in rare circumstances, such as discontinuing the Service or withdrawing from your region.

13.4 Effect of termination

Upon termination, your right to access the Service ends immediately. Your data is subject to our retention and deletion policies.

14. Dispute resolution: arbitration and class action waiver

Please read this section carefully. It affects your legal rights.

14.1 Informal resolution first

Before filing a claim against Lefover, you agree to try to resolve the dispute informally by contacting us at [email protected]. We will do the same before filing a claim against you. Most disputes can be resolved this way.

14.2 Agreement to arbitrate

If we cannot resolve the dispute informally within 30 days, any dispute arising out of or relating to these Terms, the Service, or your relationship with Lefover will be resolved by binding arbitration — not in a court of law, except as described below.

14.3 Arbitration administrator and rules

Arbitration will be administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules, available at https://www.adr.org.

14.4 Location

Arbitration will be held in Columbus, Ohio. You may request that the arbitration be conducted telephonically or via video conference instead of in person, and Lefover will not object, unless the arbitrator determines in-person proceedings are required.

14.5 Arbitrator authority

The arbitrator has exclusive authority to:

Resolve disputes between you and Lefover
Determine the scope of this arbitration agreement
Grant relief that a court could grant, limited to the individual dispute

14.6 Class action waiver

YOU AND LEFOVER EACH WAIVE THE RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS ARBITRATION, OR REPRESENTATIVE ACTION. Arbitration will proceed only on an individual basis. If this class action waiver is found to be unenforceable, then the entire arbitration agreement in this §14 is null and void.

14.7 Small claims court exception

Notwithstanding this arbitration agreement, you may bring an individual claim in small claims court if the claim qualifies under that court’s rules and falls within its jurisdictional limits (currently up to $6,000 in Ohio small claims court). Small claims actions are not subject to arbitration.

14.8 Opt-out of arbitration

You have the right to opt out of this arbitration agreement. To opt out, send an email to [email protected] within 30 days of first accepting these Terms, with the subject line “Arbitration Opt-Out” and including:

Your full name
The email address associated with your Lefover account
A clear statement that you wish to opt out of the arbitration agreement

If you opt out, you will not be bound by this §14. Opting out of arbitration will not affect any other provision of these Terms or your use of the Service.

14.9 Fees

For individual claims under $10,000:

Lefover will pay the AAA filing fees and the arbitrator’s compensation
Each party is responsible for its own attorney’s fees, unless the arbitrator finds a claim or defense was frivolous

For claims of $10,000 or more, AAA’s standard fee allocation rules apply.

14.10 Severability of this section

If any part of §14 (other than §14.6) is found unenforceable, the rest remains in effect. If §14.6 (class action waiver) is found unenforceable, the entire §14 is void.

15. Apple and Google specific terms

15.1 Apple App Store

If you download Lefover from the Apple App Store, you acknowledge and agree:

These Terms are between you and Lefover, not between you and Apple
Apple is not responsible for the Service or its content
Apple has no obligation to provide maintenance or support for the Service
In the event of any failure of the Service to conform to applicable warranty, you may notify Apple, and Apple will refund the purchase price; to the maximum extent permitted by law, Apple has no other warranty obligation
Apple is not responsible for addressing any claims you have related to the Service
If a third party claims the Service infringes their intellectual property, Lefover (not Apple) is responsible for investigating and defending
Apple and its subsidiaries are third-party beneficiaries of these Terms, with the right to enforce them against you
You represent you are not located in a country subject to U.S. Government embargo and not on any U.S. Government list of prohibited or restricted parties

15.2 Google Play

If you download Lefover from Google Play, your use is additionally subject to Google’s terms. Google is not responsible for the Service.

16. Governing law

These Terms are governed by the laws of the State of Ohio, U.S.A., without regard to conflict of laws principles. Any judicial proceedings (other than small claims court or arbitration as described in §14) must be brought in the state or federal courts located in Franklin County, Ohio, and you consent to the personal jurisdiction of those courts.

This governing law clause does not override any mandatory consumer protection laws that apply where you live.

17. Force majeure

We are not liable for any delay or failure to perform caused by events beyond our reasonable control, including (but not limited to):

Acts of God, natural disasters
War, terrorism, civil unrest
Government actions or regulations
Strikes, labor disputes
Internet or infrastructure failures
Failures of third-party services (Plaid, Apple, Google, cloud providers, etc.)
Pandemics or public health emergencies
Cyberattacks targeting our infrastructure or our service providers

18. General provisions

18.1 Entire agreement

These Terms, together with the Privacy Policy and Subprocessors documents, constitute the entire agreement between you and Lefover regarding the Service and supersede all prior agreements.

18.2 No waiver

Our failure to enforce any right or provision of these Terms is not a waiver of that right or provision.

18.3 Severability

If any provision of these Terms is found unenforceable, the remaining provisions remain in effect. (Exception: see §14.10 regarding the class action waiver.)

18.4 Assignment

You may not assign or transfer these Terms without our written consent.
We may assign these Terms to an affiliate, successor, or in connection with a merger or sale of assets, with notice to you.

18.5 No agency

Nothing in these Terms creates any agency, partnership, employment, or joint venture between you and Lefover.

18.6 Notice

Notices from Lefover to you will be sent to the email address associated with your account or displayed in the app.
Notices from you to Lefover should be sent to [email protected] or by mail to our address in §1.

18.7 Interpretation

Headings are for convenience only and do not affect interpretation. “Including” means “including but not limited to.”

18.8 Language

These Terms are written in English. Translations may be provided for convenience but the English version controls in the event of discrepancies.

19. Changes to these Terms

We may update these Terms periodically.

19.1 Material changes

For material changes, we will:

Email you at the email address associated with your account, at least 30 days before the changes take effect
Display an in-app banner requiring your acknowledgment before continuing
Update the “Effective date” and “Last updated” dates at the top of this document

If you do not agree to the updated Terms, you may cancel your subscription and delete your account before the changes take effect. Continuing to use the Service after changes take effect means you accept the updated Terms.

19.2 Minor changes

For minor corrections (typos, clarifications, formatting), we will simply update the “Last updated” date.

19.3 Exception: arbitration changes

Changes to §14 (arbitration) do not apply to disputes for which a party has given notice before the change takes effect.

20. Contact us

For questions about these Terms: [email protected]

For general support: use the Help / Support section inside the Lefover app

By mail: Lefover LLC 4682 Cold Springs Ct Columbus, OH 43220 United States

Thank you for using Lefover. We built it to help people understand their money better. We hope it does that for you.

— The Lefover team

This document must be reviewed by a qualified attorney before launch. Areas requiring particular scrutiny:

§10 (Disclaimers) — financial advice disclaimer language for Ohio consumer law
§11 (Limitation of Liability) — enforceability of liability caps under state law
§14 (Arbitration and Class Action Waiver) — federal and state enforceability; specific drafting requirements for enforceability under the Federal Arbitration Act, Ohio law, and recent FTC guidance
§15 (Apple and Google specific terms) — compliance with current App Store and Google Play requirements
§16 (Governing Law) — interaction with Canadian consumer protection laws for Canadian users
§19 (Changes) — enforceability of unilateral amendment rights

End of document.