Terms of Service

Last updated: October 2026

1. Acceptance of Terms

By downloading or using the Myrna & Judith app ("the app", "the service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the app.

2. Description of Service

Myrna & Judith is a personal bill reminder and payday tracking app designed for Android and iOS. The app helps users organize their bill due dates, track payment status, and plan around their payday schedule. It is intended for personal, non-commercial use.

3. User Responsibilities

By using the app, you agree to:

• use the app only for its intended purpose of personal bill and payday tracking;
• enter accurate information to get the best experience from the app;
• keep your device secure, as all data is stored locally on your device;
• not attempt to reverse engineer, modify, or exploit any part of the app;
• not use the app for any unlawful purpose.

4. No Financial Advice

Myrna & Judith is a personal organization tool only. Nothing in the app constitutes financial, legal, investment, or accounting advice. The app does not connect to any bank or financial institution. All figures displayed are based solely on information you enter manually. You are solely responsible for all financial decisions you make.

5. Intellectual Property

All content within the Myrna & Judith app, including the app name, logo, brand characters (Myrna, Judith, Insight), illustrations, and design, are owned by or licensed to Myrna & Judith and protected by applicable intellectual property laws. You may not reproduce, distribute, or create derivative works from any part of the app without express written permission.

6. Disclaimer of Warranties

The app is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that the app will be uninterrupted, error-free, or free of viruses or other harmful components. We do not guarantee that reminders or notifications will be delivered on time, as this depends on your device settings and operating system behavior.

7. Limitation of Liability

To the fullest extent permitted by law, Myrna & Judith shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to missed bill payments, late fees, or financial losses, arising from your use of or inability to use the app.

8. Modifications to the App and Terms

We reserve the right to modify or discontinue the app at any time without notice. We may also update these Terms of Service from time to time. The "Last updated" date at the top of this page will reflect the most recent revision. Your continued use of the app after changes are posted constitutes your acceptance of the new terms.

9. Governing Law

These Terms of Service are governed by the laws of the Republic of the Philippines, without regard to its conflict of law provisions.

10. Contact Us

If you have questions about these Terms of Service, please reach out at: [email protected]