Last updated: 2026-09-25
These Terms of Service ("Terms") are an agreement between you and Cstructor LLC ("we", "us", "our") governing your use of the NetRegister personal finance application and related services ("the App").
Please read them carefully. They include disclaimers about the accuracy of financial information, a limitation of our liability, an agreement to resolve disputes by individual arbitration rather than in court (Section 17, which you can opt out of within 30 days), and a statement that we do not provide financial advice.
Cloud Sync and Bank Sync are not available in the current release. They are shown in the App marked "Coming soon". The sections below govern them for when they ship; until then the App is fully local and there is no account to create, no cloud-stored data, and no bank to connect.
By downloading, installing, or using the App, you agree to these Terms. If you do not agree, do not use the App.
You must be at least 18 years old and able to form a binding contract to use the App. The App is not intended for anyone under 18, and our Privacy Policy states the same age floor.
The App is offered to residents of the United States. Bank connections work with U.S. financial institutions only, and cloud-stored data is held in the United States. You may use the App from elsewhere, but we do not target or market it outside the U.S. and make no claim that it complies with the law of any other country.
You represent that you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and that you are not listed on any U.S. Government list of prohibited or restricted parties.
Subject to these Terms, we grant you a personal, non-exclusive, non-transferable, revocable license to install and use the App on devices you own or control, for your own personal, non-commercial use.
You may not: copy, modify, or create derivative works of the App; reverse engineer, decompile, or disassemble it except where that restriction is prohibited by law; rent, lease, sell, sublicense, or distribute it; or remove or obscure any proprietary notices.
We retain all right, title, and interest in the App, including all intellectual property rights. These Terms grant you no ownership of the App.
If you obtained the App from the Apple App Store, Apple's Licensed Application End User License Agreement also applies to your license to use the iOS app, and governs to the extent it conflicts with this section. Section 20 sets out further terms required by Apple.
NetRegister is a personal bookkeeping tool. It helps you record, categorize, and review your own financial transactions. It is local-first: your data is stored on your device, and the App is fully functional offline.
The App does not provide financial, investment, tax, accounting, or legal advice. Nothing in the App — including balances, categories, budgets, reports, projections, or any figure it displays — is a recommendation or professional advice. We are not a financial advisor, broker, accountant, tax preparer, bank, or money transmitter. We do not hold, move, or have access to your money.
We are not a consumer reporting agency under the Fair Credit Reporting Act, and nothing the App displays is a consumer report or a credit score. We do not furnish information about you to credit bureaus, and the App is not intended to be used to establish your eligibility for credit, insurance, employment, or housing.
You are solely responsible for any financial, tax, or other decision you make. Consult a qualified professional before acting on anything you see in the App.
Where you connect a bank (see Section 8), account and transaction data is supplied to us by Plaid Inc. and, through Plaid, by your financial institution. We pass that data through substantially as received.
We do not guarantee that any data in the App is accurate, complete, current, or free of error. Bank data can be delayed, incomplete, duplicated, re-categorized, or later revised or removed by your institution. Pending transactions may change or disappear entirely before they post. Data is only as current as the last successful refresh, which the App shows you.
Your bank's own records are authoritative, not ours. Always verify against your bank or card statement before relying on any figure — in particular before making a payment, filing a tax return, or making any other financial decision.
Data you enter manually is your own responsibility.
The App works fully offline with no account. If you enable Cloud Sync, you create an account by verifying an email address with a one-time code.
You are responsible for: keeping access to your email account secure, since anyone who can read your email can sign in; keeping your device secure; and the accuracy of the data you enter.
Tell us promptly at support@cstructor.zohodesk.com if you believe your account has been accessed without your permission.
You may delete your account and all cloud-stored data at any time from within the App (Cloud Account → "Delete account & cloud data"). We ask Plaid to revoke each connected bank before completing account deletion, but that revocation is subject to Plaid's systems and may not complete if Plaid reports an item-level or transient failure. Data stored locally on your device is separate and is not removed by that action.
Deleting your account also erases our record of anything you have bought, including the Premium unlock. That does not refund the purchase or take it away from you — it stays with your Apple Account — but you will need to restore it. Sign in on your iPhone first, then use Restore purchases: restoring while signed out unlocks only that iPhone, and the browser version, which has no store of its own, stays Free until a restore happens while you are signed in.
You own your data. The accounts, transactions, budgets, payees, categories, and notes you enter or import are yours, and these Terms give us no ownership of them.
The license you give us. If you enable Cloud Sync, you grant us a limited, non-exclusive, worldwide, royalty-free license to host, store, transmit, encrypt, back up, and display your data solely as reasonably necessary to provide, maintain, secure, troubleshoot, and operate the App and to comply with applicable law. We do not receive ownership of your data. The license ends when you delete the data or your account, except to the extent retention is required by law or the data remains temporarily in backup systems subject to our retention and deletion practices.
Turning Cloud Sync off deletes the cloud copy. If you switch Cloud Sync off, we delete your synced data from our active systems — your books and everything in them. We warn you before this happens. The data on your device is not touched: the App is local-first, so your device keeps its own records and you carry on using it offline. Backup copies may persist for a limited period as described in our Privacy Policy. If you have banks connected, you must disconnect them first — we refuse the deletion while a bank is linked rather than doing it for you, because disconnecting a bank is irreversible at Plaid and because a connected bank would otherwise start restoring the data we just removed.
What we will not do with it. We will not sell your data, use it for advertising, use it to train machine-learning models, or build de-identified or aggregated datasets from it for any purpose other than operating, securing, maintaining, or improving the App as described in our Privacy Policy. This is a deliberate commitment, and the Privacy Policy says the same thing.
Limited authorization for bank connections. If you connect a bank, you authorize us, through Plaid, to retrieve account and transaction data from that financial institution at your direction and solely to provide the bank- connection features you request. This authorization is read-only — it does not authorize us to move, transfer, withdraw, or spend your money, and it covers nothing beyond retrieving your data. We stop retrieving your data and remove our stored access token when you disconnect that institution or delete your account. Plaid's revocation of the connection is subject to its systems and retention practices, and any processing or retention required by applicable law.
Backups are your responsibility. Because the App is local-first, keeping copies of data you care about is up to you. Device backups (iCloud, Google, or your own) are controlled by you and your backup provider, not by us.
Feedback. If you send us suggestions, bug reports, or feature ideas, we may use them without restriction, obligation, or compensation to you. You keep any rights you have in the underlying idea; you are simply not charging us for acting on it.
Connecting a bank is optional and requires your explicit consent, which we ask for before the first connection.
Bank connections are provided through Plaid Inc., a third party. You enter your banking credentials directly into Plaid's interface — we never receive, see, or store them. Your use of Plaid is governed by Plaid's own terms and privacy policy, and by your agreement with your financial institution.
We are not responsible for the acts or omissions of Plaid or your financial institution, or for interruptions, errors, or losses caused by their systems or services, except to the extent caused by our own acts or omissions. A bank may change or withdraw access at any time, which can require you to reconnect or may end the connection.
You may disconnect any bank at any time in the App. Doing so permanently deletes that bank's data from our servers — the account names, balances, and the amount, description, payee and category of every transaction — asks Plaid to revoke the connection, and removes the imported bank data from your device. Entries you entered yourself are kept in a detached manual account on that device, together with bills and reconciliation records. Transfer entries in other accounts are preserved. Detached records stay local until you edit them or enable Cloud Sync again. The App asks you to confirm twice first. Empty deletion markers remain so your other devices learn the accounts are gone; they carry no financial detail and are erased when you turn off Cloud Sync or delete your account. Plaid revocation depends on Plaid's systems: if Plaid cannot complete it because of an item-level or transient failure, the connection may remain active at Plaid even though we have removed our copy of the data and access token. The Privacy Policy describes this in full.
The App has a free tier and two separate paid products. You may hold either paid product, both, or neither.
If Bank Sync expires, is revoked, or reaches the end of a cancelled paid term, we initiate disconnection of your banks and the Bank Sync features stop. Turning off auto-renewal alone does not disconnect banks before the paid term ends, and a billing-retry or grace period does not trigger disconnection. Disconnecting a bank deletes that bank's data from our servers and asks Plaid to revoke the connection, exactly as Section 8 describes. A Plaid revocation may fail in limited circumstances; if it does, the connection can remain active at Plaid even after we have removed our copy of the data and access token. The rest of your cloud-synced data is retained and is not deleted because a subscription ended: your books, the accounts you created yourself, and the records in them are untouched, and you may continue using the Free and Premium features you are otherwise entitled to use. On a device signed in to Cloud Sync, the accounts that came from the disconnected bank and their imported transactions are removed. Manual entries, bills and reconciliation records are retained locally as described in Section 8 — the same result as disconnecting that bank by hand, and it reaches each device the next time it syncs. A device that is not signed in to Cloud Sync keeps its own copy.
After bank disconnection completes, you may separately turn Cloud Sync off to delete the remaining cloud copy, as Section 7 explains. A Premium refund does not itself delete cloud data or disconnect banks; it revokes cloud Premium and suspends Bank Sync access. Existing connections remain until you disconnect them or the Bank Sync term itself ends.
If you move to a Bank Sync tier with fewer bank connections, the lower limit takes effect at renewal. Before then, you can disconnect the banks you choose to remove so the remaining connections fit the new limit. If you still have too many connections when it takes effect, we automatically disconnect the excess, starting with the banks you connected most recently. Each affected bank's data is deleted from our servers as described in Section 8. Its imported bank data is removed from devices signed in to Cloud Sync, while manual entries are preserved locally as described in Section 8, when they next sync; a device not signed in keeps its own copy.
Purchases are processed by the Apple App Store or Google Play, not by us. We never see your payment details.
Refunds for purchases made through Apple or Google are generally handled by the applicable store under its policies. We do not process those payments directly. Contact Apple or Google through the applicable store's refund process if you want to request a refund.
Prices may change, but a change never affects a purchase you have already made. If we introduce a new paid feature or a recurring charge in future, it will be optional, its price and billing terms will be disclosed before you are charged, and it will not affect features you have already paid for.
You agree not to: use the App for any unlawful purpose; use it to store or manage financial data that is not your own or that you are not authorized to access; attempt to gain unauthorized access to the App, our servers, or another user's data; interfere with or disrupt the App or its infrastructure; use automated means to access the App in a way that places unreasonable load on it; scrape or systematically extract data from it; use it or its output to develop a competing product or to train a machine-learning model; or use the App to store or transmit anything unlawful.
We may modify, suspend, or discontinue features of the App or online services from time to time, including Cloud Sync and bank connections. Cloud Sync and bank connections may depend on third-party services and may become unavailable if those services change or discontinue their support.
We will not intentionally revoke features that you have already paid for solely by introducing a new paid feature or recurring charge, except where a change is required by law, a third-party platform, security requirements, or circumstances outside our reasonable control.
We do not guarantee that the App or any online feature will be available, uninterrupted, or error-free. Because the App is local-first, your data remains on your device and may continue to be usable offline even if an online feature is unavailable or discontinued. You are responsible for maintaining your own backups of data you care about.
You may stop using the App at any time, and may delete your account and cloud data from within the App.
We may suspend or terminate your access if you materially breach these Terms. Where practical and lawful, we will give you notice first.
Sections that by their nature should survive termination — including Sections 4, 5, 7, 13, 14, 15, 16, 17, 18, and 23 — survive.
The App is provided "as is" and "as available", without warranties of any kind, whether express, implied, or statutory, including any implied warranties of merchantability, fitness for a particular purpose, accuracy, and non-infringement.
We do not warrant that the App will meet your requirements, that it will operate without interruption or error, or that any data it displays is accurate or complete.
Some jurisdictions do not allow the exclusion of certain warranties, so parts of this section may not apply to you. You may have rights under consumer protection law that these Terms do not affect.
To the maximum extent permitted by applicable law:
Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited, including liability for fraud, fraudulent misrepresentation, or other liability that applicable law does not permit us to limit.
Some jurisdictions do not allow these limitations, so parts of this section may not apply to you.
Nothing in these Terms shortens any statute of limitations or other deadline that cannot lawfully be shortened. To the extent applicable law permits the parties to agree to a shorter period, any such period will apply only to the extent enforceable under applicable law.
You agree to indemnify and hold us harmless from any third-party claim, and any resulting loss, liability, or reasonable legal cost, arising out of: (a) your unlawful use of the App; (b) your material breach of these Terms; or (c) your violation of someone else's rights.
This does not apply to anything caused by our own act or omission, by a defect in the App, or by our breach of these Terms.
We will notify you promptly of any claim we ask you to cover, and you may control its defense with counsel we reasonably approve; we may participate at our own expense. You may not settle a claim in a way that imposes any obligation or admission on us without our consent.
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO GO TO COURT AND TO HAVE A JURY TRIAL. YOU CAN OPT OUT OF IT WITHIN 30 DAYS — SEE 17.5.
17.1 Talk to us first. Before starting arbitration, email us a short written description of the dispute and what you want, at support@cstructor.zohodesk.com. We will do the same for you. Both sides agree to spend 30 days trying to resolve it informally. This step is a precondition to arbitration.
17.2 Agreement to arbitrate. If we cannot resolve it, you and we agree that any dispute arising out of or relating to the App or these Terms will be resolved by final and binding individual arbitration, administered by JAMS under its Streamlined Arbitration Rules and its Consumer Minimum Standards of Procedural Fairness, before a single arbitrator. The arbitration will be held in King County, Washington, or — at your election — by telephone, by video, or on written submissions only. Judgment on the award may be entered in any court with jurisdiction. The Federal Arbitration Act governs the interpretation and enforcement of this section.
17.3 What is not covered. Either of us may bring an individual claim in small claims court if it qualifies, and either of us may seek injunctive or other equitable relief in court to protect intellectual property or prevent unauthorized access to the App. Nothing in this Section prevents you from reporting a matter to a government agency or from exercising any right or remedy that cannot lawfully be waived or required to be arbitrated.
17.4 Class-action waiver. YOU AND WE EACH AGREE TO BRING CLAIMS ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE CLAIMS OR PRESIDE OVER ANY FORM OF CLASS PROCEEDING. YOU AND WE EACH WAIVE THE RIGHT TO A TRIAL BY JURY.
17.5 Your right to opt out. You may reject this arbitration agreement. Email support@cstructor.zohodesk.com within 30 days of first accepting these Terms, with the subject line "Arbitration opt-out." If you have an account, send the email from its address. If you do not have an account, include your name and an email address at which we can acknowledge receipt. You do not need to provide a reason or a device identifier. We will acknowledge a timely opt-out at that address. Opting out affects nothing else in these Terms, and we will not treat you differently for doing it. If you opt out, Section 18 (governing law and courts) applies to your disputes instead.
17.6 Fees. JAMS's consumer arbitration fee rules and Consumer Minimum Standards apply. If you initiate arbitration, you will pay no more than the consumer filing fee JAMS permits. We will pay the remaining JAMS filing, case-management, and arbitrator fees. If we initiate arbitration, we will pay all JAMS fees and costs. Nothing in this section requires you to pay costs that applicable law or JAMS rules do not allow us to charge you.
17.7 Severability. If any part of this Section 17, including the class-action waiver in 17.4, is held unenforceable as applied to a particular claim, that part will be severed only to the extent necessary and that claim may proceed in court under Section 18. All remaining claims remain subject to individual arbitration. If any other part of this section is held unenforceable, the rest stays in effect.
These Terms are governed by the laws of the State of Washington, USA, without regard to its conflict-of-laws rules. For any dispute not subject to arbitration under Section 17 — including where you have opted out — you and we agree to the exclusive jurisdiction of the state and federal courts located in King County, Washington, except where applicable law gives you the right to bring a claim elsewhere.
The App relies on third-party services, including Plaid (bank connectivity), Supabase (cloud hosting and authentication), and the Apple App Store and Google Play (distribution and payment). Your use of those services is subject to their own terms. We are not responsible for them.
If you obtained the App from the Apple App Store, the following also applies, and governs over anything inconsistent elsewhere in these Terms:
By using Cloud Sync you consent to receive communications from us electronically — sign-in codes, service and security notices, and legal notices including changes to these Terms — at the email address on your account. Where applicable law requires consent to electronic delivery of a consumer record, we will obtain that consent and provide the related disclosures and choices required by law, including how to withdraw consent, update your email address, and request a paper copy. Nothing in these Terms limits any non-waivable right to receive a record on paper.
Keep your email address current; a notice sent to the address on your account is effective only to the extent permitted by applicable law. If an electronic notice cannot be delivered, we may use another reasonable method of notice. We do not send marketing email, text messages, or automated marketing calls.
We may update these Terms. Material changes will be reflected here with a new "Last updated" date and take effect after reasonable advance notice. We will ask you to affirmatively accept a material change before you continue using an affected feature when applicable law requires it or the change materially affects your rights or obligations. A change to Section 17 takes effect only after your affirmative acceptance and applies only prospectively; a dispute based on events before that acceptance is governed by the version in effect when those events occurred. Where the change affects bank connections, you will be asked to review and re-accept the applicable in-app disclosure before connecting a bank.
Otherwise, continuing to use the App after a change takes effect means you accept the updated Terms.
If any provision of these Terms is held unenforceable, the rest remain in effect. Our failure to enforce a provision is not a waiver of it. These Terms, together with the Privacy Policy, are the entire agreement between you and us regarding the App. You may not assign these Terms; we may assign them in connection with a merger, acquisition, or sale of assets. Nothing in these Terms creates a partnership, agency, employment, or joint-venture relationship between us.
Questions about these Terms? Contact us:
Cstructor LLC 4957 Lakemont Blvd SE, Suite C4-244 Bellevue, WA 98006 support@cstructor.zohodesk.com