Terms of service

These terms apply to new customers from October 5, 2026. If you already have an account, they apply 30 days after we email you about them.

The short version

• Perpetory is $240 a year or $24 a month, sales tax included. One plan, no entity limits.
• It renews automatically until you cancel. Canceling takes one click in the app.
• We remind you before every yearly renewal and before a trial turns into a paid plan.
• Your first yearly payment is refundable in full for 30 days. After that, a partial period is not refunded.
• Your data is yours. We never ask for your bank login.
• Perpetory estimates. It is not financial, tax, investment or accounting advice.
• Disputes go to individual arbitration, and you can opt out within 30 days.

The full terms below are what actually applies. If the short version and the full terms ever differ, the full terms control.

1. Who you are contracting with

The service is provided by Perpetory LLC (“Perpetory”, “we”, “us”), a limited liability company organized in Delaware, United States.

Legal notices and billing questions: contact@perpetory.com. This address is monitored.

“You” means the person who creates the account and, if you use Perpetory for a company, that company as well.

2. Who can use Perpetory

You must be at least 18 and able to enter into a binding contract. Perpetory is offered to individuals and businesses in the United States. It is not offered in the European Union, the European Economic Area or the United Kingdom, and we may decline or close an account opened from there. If we close an account for this reason, we refund any unused part of a prepaid period.

If you use Perpetory on behalf of a company, you confirm that you are authorized to accept these terms for it.

You are responsible for keeping your login secure and for everything done under your account. Tell us right away at contact@perpetory.com if you think someone else has access to it.

3. The plan and the price

There is one plan. It costs $240 a year or $24 a month. It includes every module, an unlimited number of entities, accounts and transactions, and every year of history you upload. Your household is included and is never counted as an entity. No feature is held behind an upgrade.

Sales tax is included in the price. $240 a year or $24 a month is the total amount charged. Where US sales tax applies to your purchase, it is included in that amount rather than added on top of it. Your receipt shows the price before tax and the tax amount separately. The amount charged to your card is the same in every state; what differs from state to state is how much of it is tax.

4. Early-access price

If you joined the early-access list before launch, your price is fixed at $240 a year or $24 a month for 24 months from your first paid charge, as long as:

• you start a paid subscription within 60 days of the email that tells you your spot is open, and
• your subscription stays active without a break.

Switching between monthly and yearly billing during those 24 months keeps the early-access price. After the 24 months, the price then in effect for new customers applies, and we email you at least 30 days before it does.

5. Free trial

When we offer a free trial, it lasts 14 days and requires a card. Nothing is charged during the trial. We email you at least 3 days before the first charge with the amount, the date and a link to cancel. If you cancel at any time during the trial, you are never charged. If you don’t cancel, your first charge is made on day 15 for the plan you chose.

We may extend a trial if you ask us to.

6. Automatic renewal

Your subscription renews automatically at the end of each paid period, every month or every year depending on the plan you chose, at the price then in effect for you, until you cancel. We charge the card on file on the renewal date.

We remind you:

• before every yearly renewal, between 15 and 45 days in advance, and
• at least once a year if you pay monthly,

each time stating what you pay, how often, and how to cancel.

7. Canceling

You can cancel at any time in the app, under Settings, in one click. We don’t ask why and we don’t make you talk to anyone. You can also cancel by emailing contact@perpetory.com from the address on your account.

Cancellation takes effect at the end of the period you have already paid for. Your access continues until then, and you are not charged again. We confirm every cancellation by email.

8. Refunds

First yearly payment. If you cancel within 30 days of your first yearly charge, we refund it in full. This applies once per customer. When we refund a payment, the period it paid for ends on the day of the refund.

Otherwise, a partial period is not refunded. Canceling a yearly plan after those 30 days, or canceling a monthly plan at any time, stops the next renewal rather than refunding the rest of the period already paid for. Your access runs to the end of that period.

We always refund in full:

• a charge we made in error, including a duplicate charge or a charge after you canceled,
• the unused part of a prepaid period if we close your account without cause or discontinue Perpetory (section 14), and
• anything else the law requires us to refund.

9. Payments

Card payments are processed by Stripe. Perpetory LLC is the merchant of record. That means you are contracting with us and not with Stripe: we are the party that charges you, the party that issues a refund, and the party to raise a billing dispute with. Reaching us first is faster than a chargeback, and we would rather you did.

The charge appears on your statement as PERPETORY.COM.

We never receive or store your card number. Stripe holds it, and Perpetory sees only the last four digits, the card brand and the expiry date, so the app can show you which card is on file.

If a payment fails, we retry it for up to 14 days and email you each time. If it still fails, your account becomes read-only: you can see and export your data but not add to it. It stays that way for 30 days, and paying in that time restores it. After that it is deleted as described on the Data & deletion page.

10. Price changes

We may change the price of the plan. If a change affects you, we email you at least 30 days before the new price applies, and you can cancel before it does. A price change never applies to a period you have already paid for, and never during an early-access price period (section 4).

11. Your data

You own the data you upload. That includes your statements, invoices, categories, notes and everything Perpetory calculates from them.

You give us a limited license to store, process and display that data only to provide Perpetory to you, including the automatic categorization and analysis you see in the app. We don’t sell your data and we don’t use it for advertising. We don’t use your data to train AI models, and our AI provider doesn’t either.

We never ask for your bank login and Perpetory does not connect to your bank. Data reaches us only when you upload a file.

You can export your data at any time while your account is active, and for 30 days after it ends, whatever the reason. The one exception is if you ask us to delete your account outright, which ends access the same day.

How we protect your data is described on the Security page. What we keep, for how long, and how deletion works are described on the Data & deletion page and in the Privacy policy. Those pages form part of these terms.

12. Automated results and the AI analyst

Categories, internal-transfer detection, duplicate detection, anomaly flags, projections and the AI analyst’s commentary are produced automatically from the files you upload and the assumptions you set. They can be wrong. Check anything you rely on, and correct what you find; corrections become rules for future imports.

The AI analyst is provided by Azure OpenAI, which runs in our own Azure subscription and is listed as a sub-processor in the Privacy policy.

13. Acceptable use

Don’t:

• upload data you have no right to use,
• try to access another customer’s account or data,
• probe, scan or overload the service, or try to get around its security,
• copy, decompile or reverse-engineer the software, except where the law allows it,
• resell, sublicense or share access to Perpetory outside your own companies and household, or
• use Perpetory to break the law.

You are responsible for the accuracy and legality of the files you upload.

14. Suspension and termination

By you. You can cancel at any time (section 7) and delete your account in Settings.

By us. We may suspend or close an account that breaks these terms, puts the service or other customers at risk, or that we are required by law to close. Except in urgent cases, we tell you first, explain why, and give you a reasonable chance to fix it and export your data.

If we close your account without cause, or discontinue Perpetory, we give you at least 60 days’ notice and refund the unused part of any prepaid period.

After an account ends, it is kept for 30 days so you can still export, and then deleted, on the schedule described on the Data & deletion page. Deleting your account also ends your subscription; the unused part of a paid period is refunded only as section 8 describes. Billing records are kept as long as tax and accounting law requires.

15. Not professional advice

Perpetory is planning and analysis software, not financial, investment, tax or accounting advice, and it does not replace a qualified professional. Projections are illustrative, depend entirely on assumptions you set, and are not a prediction of future returns.

This is a product principle before it is a legal position. Tax and projection outputs are estimates to confirm with a CPA or advisor, and the Goal module deliberately shows both the probability that a plan survives and the lower probability that it preserves its principal, rather than only the flattering one.

16. The software and our intellectual property

Perpetory, including the software, design and documentation, belongs to Perpetory LLC. While your subscription is active, we give you a personal, non-exclusive, non-transferable right to use it for your own companies and household under these terms.

If you send us ideas or feedback, we may use them without owing you anything. We will never identify you as the source without asking.

17. Changes to the service

We improve Perpetory continuously and may add, change or remove features. We won’t remove a core module, or anything the pricing page lists as included, from a period you have already paid for. If a change materially reduces what you paid for, you can cancel and we refund the unused part of a prepaid period.

18. Warranty disclaimer

To the extent permitted by law, Perpetory is provided “as is” and “as available”. We disclaim all implied warranties, including merchantability, fitness for a particular purpose and non-infringement. We work to keep Perpetory accurate and available, but we don’t promise that it will be uninterrupted, error-free, or that its results will be correct.

19. Limitation of liability

To the extent permitted by law:

• neither party is liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, lost revenue or lost investment returns, even if told they were possible, and
• our total liability for all claims relating to Perpetory or these terms is limited to the greater of the amount you paid us in the 12 months before the claim arose or $100.

These limits do not apply to liability that cannot be limited by law, such as for fraud or gross negligence. Some states do not allow certain of these limitations, so they may not apply to you in full.

20. Disputes and arbitration

Please read this section carefully. It affects how disputes are resolved, and it means you and we give up the right to a jury trial and to class actions.

20.1 Talk to us first. Before starting any claim, email contact@perpetory.com with your name, the email address on your account, a description of the problem and what you are asking for. We will try in good faith to resolve it within 30 days. Neither of us will start arbitration or a court case until that period has passed. Any limitation period is paused while this informal process runs.

20.2 Individual arbitration. Any dispute between you and Perpetory relating to the service or these terms that we don’t resolve informally will be decided by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. The arbitrator decides any question about whether a dispute must be arbitrated, except questions about sections 20.4 and 20.5, which a court decides. The arbitration may take place by video, by phone or in writing, or in person in the county where you live. We pay the AAA filing, administration and arbitrator fees beyond the amount you would pay to file in court, as the AAA rules provide. The arbitrator can award you the same individual relief a court could.

20.3 Small claims. Either of us may instead bring an individual claim in small-claims court, if it qualifies, and either of us may transfer a claim filed in arbitration to small-claims court before an arbitrator is appointed.

20.4 No class actions. Claims may be brought only on an individual basis, not as a plaintiff or class member in any class, collective or representative proceeding. Except as section 20.5 provides for administration, the arbitrator cannot combine claims of more than one person.

20.5 Mass arbitration.

(a) When it applies. This section applies if 25 or more demands for arbitration that raise similar claims are filed against us, or by us, within any 180-day period, and the claimants are represented by the same law firm or by firms acting together (“Mass Arbitration”). If it applies, the AAA Mass Arbitration Supplementary Rules govern administration, together with this section. If those rules and this section conflict, this section controls.

(b) Complete demands. Each demand must be for one person and include the claimant’s name, the email address on their account, the facts of their own claim and the relief they seek. It must be signed by the claimant and by their lawyer, if they have one. The signatures confirm that the claim has a good-faith basis in the claimant’s own experience. Each claimant must also have completed the informal process in section 20.1.

(c) Process arbitrator. Before any merits arbitrator is appointed, a single process arbitrator appointed under the AAA rules decides disputes about whether demands are complete, whether this section applies, and how the cases are scheduled. Either of us may raise those questions with the process arbitrator.

(d) Staged batches. Cases proceed in batches of up to 50, chosen by the claimants’ counsel and by us in equal numbers, unless the process arbitrator sets a different size. Each case in a batch is decided individually by an arbitrator, on its own facts, with the discovery, briefing and hearing the AAA Consumer Arbitration Rules allow. Each side may appeal, or ask the arbitrator to reconsider, on the same terms. The AAA charges filing and administration fees only for the cases in the active batch.

(e) No binding effect on others. An award in one claimant’s case decides only that case. It does not bind any other claimant, and no claimant waits for an outcome they cannot take part in.

(f) Mediation after the first batch. After the first batch is decided, the claimants’ counsel and we will mediate the remaining claims in good faith for at least 30 days, at our cost. If mediation doesn’t resolve them, the next batch begins, and so on.

(g) Your rights while you wait. For a claimant whose case is not yet in an active batch: the limitation period for their claim is paused from the day a complete demand is filed until their case is in an active batch; they may withdraw from the Mass Arbitration at any time and pursue the claim in small-claims court; and they keep every right this section 20 gives them.

(h) Court enforcement. A court may enforce this section, including by ordering the AAA to administer cases in batches. If a court decides that this section 20.5 cannot be enforced as written for a set of claims, those claims are not arbitrated and are decided in the courts named in section 20.8, individually, with section 20.4 still applying.

20.6 Public injunctive relief. If a claim seeks public injunctive relief (relief whose main purpose is to protect the general public from future unlawful conduct) and the law where you live does not allow that relief to be waived or to be decided in arbitration, that part of the claim is decided by a court after the individual claims are arbitrated, and the court proceeding is paused until then.

20.7 Opting out. You can opt out of this arbitration agreement by emailing contact@perpetory.com within 30 days of first accepting these terms, with your name, the email address on your account and a clear statement that you want to opt out. Opting out doesn’t affect anything else in these terms.

20.8 If arbitration doesn’t apply. If you opt out, or if a court decides that arbitration doesn’t apply to a claim, the claim is decided by the state or federal courts located in Delaware, unless the law of the state where you live gives you the right to bring it there.

20.9 Future changes to this section. If we change this section 20, the change does not apply to any claim that arose, or that you told us about, before the change takes effect. You can reject a change to this section by emailing us within 30 days of the notice in section 22, and the version you accepted earlier continues to apply to you.

21. Governing law

These terms are governed by the Federal Arbitration Act and the laws of the State of Delaware, without regard to conflict-of-law rules, except where the consumer protection law of the state where you live applies regardless.

22. Changes to these terms

We may update these terms. If a change matters to you, we email you at least 30 days before it takes effect. If you don’t agree, cancel before then and we refund the unused part of a prepaid yearly period. Earlier versions are available on request.

23. General

• Whole agreement. These terms, together with the Privacy policy and the Security and Data & deletion pages, are the whole agreement between you and us about Perpetory.
• Severability. If any part of these terms is found unenforceable, the rest still applies.
• No waiver. If we don’t enforce a right right away, we haven’t given it up.
• Assignment. We may transfer these terms as part of a merger or sale of the business, and we will tell you if we do. You may not transfer them without our written consent.
• Events outside our control. Neither party is liable for delays or failures caused by events outside its reasonable control.
• Survival. Sections on your data, refunds owed, the not-professional-advice limitation, intellectual property, warranty, liability, disputes and governing law continue after your account ends.
• Electronic communication. We communicate with you by email and in the app, and that satisfies any requirement for notice in writing. Notices to us go to contact@perpetory.com or to our mailing address.

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