TERMS OF SERVICE FOR INDIVIDUALS

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Last Updated: July 24, 2025

1. Scope of Use

Checkbook, Inc. ("Checkbook") provides the website (https://www.checkbook.io/) ("Site") to you, the user ("you" or "your"), for commercial use subject to these Website Terms of Use ("Terms"). These Terms apply whether you access the Site for information or to engage with Checkbook's services. By accessing the Site, you agree to be bound by these Terms. If you are using the Site on behalf of a legal entity, you represent that you have authority to bind such entity to these Terms, in which case "you" refers to that entity. "We," "us," and "our" refer to Checkbook and its affiliates, agents, successors, and assigns.

2. Modifications

We may modify the Site or these Terms at any time. Changes will be posted with a revised "Last Updated" date. Continued use of the Site after changes indicates your acceptance of the modified Terms.

3. Restrictions on Use

You agree to use the Site only for its intended business purposes and not to violate any applicable laws. Prohibited conduct includes, but is not limited to: reverse engineering, unauthorized access, distributing malicious code, interfering with other users, and using automated tools to scrape or copy content. Use is limited to individuals 18 years or older.

4. Privacy Policy

Your use of the Site is also governed by our Privacy Policy, which is incorporated into these Terms.

5. Registration, Access & Security

If you provide us with information such as contact details, payment info, or account credentials ("Account Data"), you agree it is accurate and up to date. You are solely responsible for safeguarding your Account Data. We reserve the right to take security measures we deem necessary, including suspending your account for suspicious activity.

6. Alternate Login Methods

Biometric login methods (e.g., fingerprint or facial recognition) are offered via your device. Checkbook does not store or process biometric data and is not responsible for misuse or unauthorized access via these features.

7. No Warranties

The Site and its contents are provided "AS IS" without warranties of any kind, express or implied. We do not guarantee uninterrupted or error-free access or the accuracy of Site materials.

8. Not a Substitute for Professional Advice

Information on the Site is not professional advice and should not be relied upon as such.

9. Ownership

All content on the Site is owned by Checkbook or its licensors. No rights are transferred to you beyond the limited license granted herein. Use of our trademarks or copyrighted material without permission is prohibited.

10. Reviews, Comments & Other Content

If you submit content to the Site, including reviews or comments, you grant us a perpetual, royalty-free, worldwide license to use it. You represent that your content is truthful, non-deceptive, and compliant with all applicable laws.

11. Feedback

Feedback submitted via email or our contact form may be used by Checkbook without attribution or compensation to you.

12. Violations & Disclosure

We may suspend or terminate access for violations of these Terms. We reserve the right to disclose information as required by law or to cooperate with law enforcement.

13. Indemnification

You agree to indemnify Checkbook and its affiliates against claims arising from your use of the Site, your content, your violation of these Terms, or your conduct.

14. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, CHECKBOOK SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, OR CONSEQUENTIAL DAMAGES ARISING FROM SITE USE. OUR TOTAL LIABILITY TO YOU SHALL NOT EXCEED $10.00.

15. Third Party Sites

We are not responsible for content, security, or practices of third-party websites linked from the Site. Use of such sites is at your own risk.

16. No Fiduciary Relationship

These Terms do not create a fiduciary or agency relationship between you and Checkbook.

17. Monitoring

We may monitor Site activity and remove content at our discretion if it violates these Terms or applicable law.

18. No Editorial Control Over Third Party Content

We are not responsible for third-party content posted to the Site and do not guarantee its accuracy.

19. Electronic Communications

You consent to receive communications electronically. Notices will be provided via email or through the Site. Notices to Checkbook should be sent to:

Checkbook, Inc., P.O. Box 25034, San Mateo, CA 94402 or support@checkbook.io

20. International Use; Governing Law & Venue

This Site is operated from the U.S. and is not intended for use where illegal. By using the Site, you agree that Colorado law governs these Terms and submit to the exclusive jurisdiction of the state and federal courts located in Colorado.

21. DMCA Compliance

If you believe your copyrighted work appears on the Site unlawfully, contact us at: support@checkbook.io with a proper DMCA notice.

22. Children's Privacy

The Site is not for children under 13. We do not knowingly collect personal information from children under 13.

23. Time Limit on Claims

You must file any claim related to the Site within one year of the claim arising or it is barred.

24. Severability & Waiver

If any part of these Terms is found unenforceable, the remainder will remain valid. Our failure to enforce any right does not waive our ability to enforce it later.

25. Assignment

We may assign our rights under these Terms at any time. You may not assign your rights without our prior written consent.

26. Equitable Relief

You agree that breach of these Terms may cause irreparable harm and we may seek equitable relief without posting bond.

27. Contact Us

For questions about the Site or these Terms, email: support@checkbook.io or use our contact form at: https://checkbook.io/resource/contact-sales/