Terms of use
From the owner of Payday Playbook · Updated November 10, 2026
These terms explain what Payday Playbook does, what it does not do, and what you agree to when you create a household account. By signing up you confirm you have read them.
What Payday Playbook is — and is not
- A planning tool. It shows which paycheck can cover each bill, flags a paycheck that may not cover one, and keeps your monthly plans and history.
- Never a payment service. It does not connect to your bank, move money, start transfers, or pay bills. Autopay marks and reminders are notes to you, not payment instructions.
- Not a lender, advisor, or tax professional. Suggestions are ordinary calculations from the amounts you enter. They are not financial, investment, legal, or tax advice.
- Not a savings or budget-enforcement tool. It is not a strict every-dollar-has-a-job budget and does not track savings accounts or investments.
Estimates are not lender figures
Estimated debt balances are calculated from the balance you last entered, the interest rate you supplied, and the payments you recorded. Real credit-card interest depends on daily balances, payment dates, and new charges, so an estimate can differ from your statement. Your lender's statement is the only authority on what you owe.
The same applies to paycheck coverage: recommendations assume the income and amounts you enter arrive as expected. Late fees, interest, credit reporting, and overdrafts remain between you and your lender or payee, and you are responsible for paying on time under your own agreements.
Your household account
- One login per household. Each household has a single email-and-password account, confirmed by email at signup. Contributors are recorded inside that household's plan.
- You are responsible for activity under your login. Anyone with the credentials can see and change the household playbook. Keep them private and sign out on shared devices.
- You own the information you enter. You can correct it, download it, or delete the account from Account & privacy.
- Please do not enter credentials or account numbers. Bank logins, bank account numbers, full payment-card numbers, and Social Security numbers are not needed and should not appear in bill names, notes, or support emails.
Pricing, promotional codes, and cancelling
Payday Playbook is offered as a paid subscription. The price, billing period, and any taxes shown at checkout apply to your purchase, and the subscription renews for each period until it is cancelled.
- Promotional codes can waive the charge. A code applied at checkout can reduce the price to zero for the period it covers, so a household can use the service without paying. A code does not change these terms; it only changes what you are charged. During the beta period, codes issued by the owner keep the service free for participating households until the owner ends the beta.
- Cancel anytime. Cancelling stops the next renewal. Access continues through the end of the period already paid for.
- No refunds. Amounts already charged are not refunded, except where the law requires it.
- Changes to pricing. Pricing, plan features, and promotional offers may change. If a change affects a renewal, the amount charged at that checkout is what applies.
Payment processing, receipts, and billing support are handled by the payment provider shown at checkout. Billing questions and refund requests go to the contact below.
Service availability and changes
The app is provided as available. It may be updated, paused, or discontinued, and features may change. Saved plans and history are kept so you can review them, but no specific uptime or storage period is guaranteed. A fixed retention period and backup-deletion timetable have not yet been published; see the privacy notice for how removal requests are handled.
Limits of responsibility
Payday Playbook is provided without warranties of any kind. To the extent the law allows, the owner is not responsible for indirect or consequential losses, including late fees, interest charges, credit impacts, overdrafts, or missed payments arising from using the planning information. Your own records and lender statements remain the source of truth for what you owe and what you have paid.
Privacy and contact
How information is collected, stored, and shared is described in the privacy notice. Questions about these terms, billing, or your account can go to the Payday Playbook owner at:
adminpaydayplaybook@gmail.comPlease use the email associated with your account and do not send your password. This page will be updated as the service changes; the date above identifies this version.