Plumb

Terms of Use

Draft · not published · no effective date · not the agreement in force

Draft. This is not the agreement that applies to Plumb.

Plumb has no terms of its own. The app points its Terms of Use link at Apple's Standard End User Licence Agreement — the documented URL for an app with no bespoke terms — and that agreement, not this page, is what governs Plumb today.

What follows is the scaffolding for a Plumb-authored agreement: the sections it will need, and beside each one what the app actually does, taken from the app's own source. None of the wording here has been written or approved as legal copy, and nothing on this page is binding on anyone. The clauses are written and approved on their own row, by legal, before this page is published.

Today's link: PlumbLinks.termsOfUse in Sources/PlumbUI/Localization.swift, pinned by Tests/PlumbUITests/MonetizationTests.swift.

What the agreement will cover

Ten sections. Each carries a product fact — what Plumb does today, cited to the file it comes from — so that the clause landing there can be checked against the product it governs. Every clause itself is pending.

  1. Who the agreement is between
  2. Your licence to use Plumb
  3. Your ledger, and where it lives
  4. Subscriptions, renewal and cancellation
  5. Refunds
  6. Guidance, not financial advice
  7. What you are responsible for
  8. Availability and changes to the app
  9. Warranties, liability and termination
  10. Governing law, disputes and contact

1. Who the agreement is betweenClause pending

What the app does today

Plumb is published by ZIX DEV Inc. and distributed as an iPhone app through the App Store under the bundle identifier app.zixdev.plumb. There is no Plumb account, no sign-up, no password and no server-side profile — nothing exists on our side for an agreement to attach to except the app itself.

ExportOptions.plist, Config/Plumb.storekit

2. Your licence to use PlumbClause pending

What the app does today

Plumb is licensed rather than sold, on the App Store's standard terms. The app grants no separate licence of its own and asks you to accept nothing on first launch.

Sources/PlumbUI/Localization.swift

3. Your ledger, and where it livesClause pending

What the app does today

Plumb has no backend. Every account, transaction, budget and goal you enter is stored on your iPhone. The app connects to no bank, asks for no banking credential and uploads no ledger anywhere. Setup says it in the app's own words: Nothing leaves your phone. No credentials, ever. Export writes a CSV file to a destination you choose.

copy.setupPrivacyNote in Sources/PlumbUI/Resources/en.lproj/Localizable.strings; Sources/PlumbUI/LedgerExport.swift

What Plumb records and what it does not send is the Privacy Policy's subject, not this page's. That page is a draft too.

4. Subscriptions, renewal and cancellationClause pending

What the app does today

Plumb sells subscriptions as Apple in-app purchases through StoreKit, in a monthly and an annual cadence. Payment, renewal and cancellation are handled by Apple against your Apple ID; Plumb never sees a card, and holds no billing record of its own. A subscription already bought on an Apple ID can be restored on another device.

Sources/PlumbBilling/Catalogue.swift, Config/Plumb.storekit

One piece of already-approved copy exists for this section: the renewal disclosure the app shows beneath every plan. It ships today and is quoted here unchanged.

Subscription renews automatically every 1 month until cancelled. Your account is charged for renewal within 24 hours of the end of the current period. Manage or cancel it in your Apple ID settings.

copy.autoRenewalTerms. The slot takes copy.subscriptionLength.monthly (1 month) or .annual (1 year).

Plan names and prices are deliberately absent from this site. Whether they appear here at all is the Product Manager's call, not design's.

5. RefundsClause pending

What the app does today

Plumb issues no refunds because it takes no payments. Every purchase runs through Apple, and a refund is requested from Apple, on Apple's terms.

Sources/PlumbBilling/Catalogue.swift

6. Guidance, not financial adviceClause pending

What the app does today

Every figure Plumb shows is arithmetic over figures you entered yourself. It reads no bank account, fetches no exchange rate and receives no market data. The afford verdict, the balance check and the payday cycle are all computed from your own ledger and from nothing else.

Sources/PlumbUI/AffordSheet.swift, Sources/PlumbUI/ReconcileModel.swift

What that does and does not amount to is a clause, and it is one of the two on this page that most needs writing.

7. What you are responsible forClause pending

What the app does today

Because the ledger is local, what Plumb shows is only as accurate as what you enter, and your device backup is the only copy of it. Plumb cannot restore a ledger for you — there is nowhere for it to restore one from. The app offers a Face ID or passcode lock; whether it is on is your choice.

Sources/PlumbUI/AppLock.swift, Sources/PlumbUI/LedgerExport.swift

8. Availability and changes to the appClause pending

What the app does today

Plumb is not released. Nothing on this site claims availability, an uptime figure, a release date or a supported-version window, and nothing should be read as claiming one.

9. Warranties, liability and terminationClause pending

This section has no product fact beside it, and that is deliberate. There is nothing in the app that determines what it should say — it is legal drafting from end to end, and the second of the two clauses on this page that most needs writing.

10. Governing law, disputes and contactClause pending

What the app does today

ZIX DEV Inc. is the publisher. No contact address, jurisdiction or dispute route is published on this site, and none is invented here.

This section also has to say how the agreement itself changes, and how you are told when it does.

The gap this page is naming

No approved Terms copy exists in this repository or in the evidence linked to the row that commissioned this page. The page was built to hold approved copy, not to stand in for it.

  • The one approved fragment that does exist is the in-app renewal disclosure quoted in section 4. It is shipped app copy, pinned by a test, and it is reproduced rather than rewritten.
  • Plumb's Terms of Use today is Apple's Standard EULA. Publishing a Plumb-authored page changes that, and whether Plumb should have bespoke terms at all is a legal decision.
  • Five things are missing before this page can be published: approved clause copy, an effective date, a contact address, a governing-law choice, and a decision on whether the app's termsOfUse link moves from Apple's EULA to this address.