BillMinder Terms of Service

1. Service

BillMinder is a service to help you manage your bills and expenses (the “Service.”) It is not intended to provide legal, tax or financial advice. BillMinder is the property of return7 LLC (“return7”, “us”, “we”, the “Company”). return7 reserves the right to modify, suspend or discontinue the Service with or without notice at any time and without any liability to you.

2. Accepting the Terms

By using BillMinder you agree to be bound by the following Terms of Use (this “Agreement”), available on (the “Website”), whether you use the Service through a registered account (a “Member”) or without creating an account (a “Visitor.”) The terms “you” or “User” refers to a Visitor or a Member as the case may be. This Agreement is effective when you begin using the Service and continues for the entire duration of your use of the Service. You are responsible for reading and understanding the terms of this Agreement prior to registering or using the Service. Please review this Agreement carefully as a failure to use the Service in accordance with this Agreement may subject you to severe civil and criminal penalties.

3. Modifications

return7 reserves the right, at its sole discretion, to modify this Agreement at any time, by posting new Terms of Use on the Website with the date of modification. No modification or amendment of this Agreement shall be effective unless and until we post the revised Agreement on the Website. Your continued use of the Service after any such modification has been published constitutes your acceptance of the terms and conditions as modified in this Agreement. You should visit the Website periodically to ensure you are aware of the current Terms of Use.

4. Personal Use

The Service is made available to you for your personal use only and is not transferable to any other person or entity. Due to the Children's Online Privacy Protection Act of 1998 (which is available at, you must be at least thirteen (13) years of age to use this Service. You are responsible for maintaining the confidentiality of your Service password and account information and are responsible for all activities that occur under the account you have with the Service (your “Account.”) return7 reserves the right to refuse service to any user for any reason at any time without notice.

5. Proper Use of the Service

Your use of the Service is subject to your acceptance of and compliance with this Agreement. You shall use the Service in compliance with all applicable local, state, national, and international laws and regulations. You shall not and shall not authorize or encourage any third party to: (i) use the Service to upload, transmit or otherwise distribute any content that is unlawful, defamatory, harassing, abusive, fraudulent, obscene, contains malicious software, or is otherwise objectionable as reasonably determined by return7; (ii) upload, transmit or otherwise distribute content that infringes upon another party's intellectual property rights or other proprietary, contractual or fiduciary rights or obligations; (iii) prevent others from using the Service; or (iv) use the Service for any fraudulent or inappropriate purpose. Violation of any of the foregoing may result in immediate termination of this Agreement, and may subject you to state and federal penalties and other legal consequences. return7 reserves the right, but shall have no obligation, to investigate your use of the Service in order to determine whether a violation of the Agreement has occurred or to comply with any applicable law, regulation, legal process or governmental request.

6. Content of the Service

return7 takes no responsibility for third party content (including, without limitation, any viruses or other disabling features), nor does return7 have any obligation to monitor such third party content. return7 reserves the right at all times to remove or refuse to distribute any content on the Service. return7 may access, read, preserve, and disclose any information as it reasonably believes is necessary to (a) satisfy any applicable law, regulation, legal process or governmental request, (b) enforce this Agreement, including investigation of potential violations, (c) detect, prevent, or otherwise address fraud, security or technical issues, (d) respond to user support requests, or (e) protect the rights, property or safety of return7, its users and the public.

7. Proprietary Rights Owned by return7

You acknowledge that return7 owns all proprietary rights in the Website, Service and the software used to provide the Service, including, but not limited to, any patents, trademarks, servicemarks and copyrights. Accordingly, you agree that you will not copy, reproduce, alter, modify, or create derivative works from the Service. You also agree that you will not use any robot, spider, other automated device, or manual process to monitor or copy any content from the Service.

8. Proprietary Rights Owned by You

return7 acknowledges that you own all proprietary rights in the content you upload, transmit or store on your Account. We will not use any of your content for any purpose except as provided by this Agreement and our Privacy Policy, including, but not limited to providing you with the Service or to contact you.

9. Representations and Warranties

You represent and warrant that (a) all of the information provided by you to return7 to participate in the Service is correct and current;(b) you have all necessary rights, power and authority to enter into and perform fully this Agreement; (c) you are at least thirteen (13) years of age; and (d) your use of the Service will not violate any applicable laws or regulations.

You understand and agree that to the maximum extent permitted by law, the Service is provided as is, without warranties of any kind, either express or implied, including but not limited to, warranties of merchantability and fitness for a particular purpose.

10. Privacy

You agree that we may access, collect, use and disclose your information as set forth in our Privacy Policy, which is available on our Website. The terms of the Privacy Policy are incorporated by reference in this Agreement.

11. Termination

Either party may terminate this Agreement at any time for any reason by providing notice to the other party. A terminated account may continue to function for up to ten business days after we receive notice of cancellation. In the event of cancellation by return7, your Account will be disabled and you may not be granted access to your account or any files or other content contained in your account although residual copies of information may remain in our system.

12. Account Inactivity

After a period of inactivity, meaning a User fails to login to an account for a period of six months, return7 reserves the right to disable or terminate the account.

13. Notices

We will send all notices, including but not limited to information related to your Account, associated return7 services or product news, to the email address that we have on file for your Account. Any notices you wish to send to return7 should be directed to All notices shall be deemed effective immediately when sent via email.

14. Indemnification

You agree to hold harmless and indemnify return7, and its officers, agents, and employees from and against any claim made, by you or a third party, arising from or in any way related to your use of the Service, including, but not limited to, any claims, losses, damages (actual and consequential), suits, judgments, litigation costs and attorneys' fees. return7 will provide you with prompt written notice of any such claim, suit or action that triggers indemnification from you.

15. Limitation of Liability

You assume full responsibility and risk of any loss resulting from your use of the Service including any downloads from the Website. Return7 shall not be liable for any indirect, punitive, special or consequential damages even if we or any of our employees have been advised of the possibility of such damages.

16. Jurisdiction

This Agreement will be governed by the laws of the State of Georgia, USA, without giving effect to its conflict of laws provisions. All claims, legal proceeding or litigation arising in connection with the Service will be brought solely in Georgia, USA, and you consent to the jurisdiction of such courts.

17. Miscellaneous

Sections 4, 5, 6, 7, 8, 13, and 14 of the Agreement shall survive termination of this Agreement.

You agree to take any and all actions reasonably required to effectuate the purposes of this Agreement.

This Agreement, including all policies incorporated by reference, embodies the entire agreement and understanding of the parties and supersedes all prior agreements and understandings on the subject matter.

We may assign all of the rights granted to us under this Agreement to any other individual or entity at our discretion. You may not assign any of your rights arising from this Agreement.

The unenforceability or invalidity of any term or provision of this Agreement shall not affect the validity or enforceability of any of the remaining terms or provisions, but such remaining terms shall be construed to carry out fully the intention of the parties.