BLV
Terms of Service
These terms are the agreement between you and Best Life Ventures ("BLV," "we," "us") for every BLV product — Memo, Capacity, Playbook'd, Books, the BLV app and our websites. Using them means you accept these terms. If you do not, please do not use them.
Your Account
You need a BLV ID to use most features. You sign in with Google, Apple, or a code emailed to you — we never hold a password for you. Keep control of the email account you sign in with, because whoever controls it can reach yours. You must be 18 or older for Memo and Books, and 13 or older for Capacity and Playbook'd.
You are responsible for what you post and for keeping your account details accurate. We may suspend or close an account that breaks these terms, is used to harass or defraud others, or puts other members at risk.
What You Put In Is Yours
Your profile, posts, journal entries, records and uploads belong to you. You give us only the permission we need to run the service: to store your content, show it to the people you chose, and back it up. We do not sell your content, and we do not use it to train advertising profiles.
You keep responsibility for having the right to post what you post. Do not upload anything unlawful, or anything belonging to someone else without their permission.
Books Is A Sorting Tool, Not A Tax Service
Books helps you organize your own money into the categories a tax return uses. That is all it does. We are not accountants, tax preparers, enrolled agents or attorneys, and nothing in BLV is tax, legal, investment or financial advice.
- We do not prepare, review, sign or file returns. You, or the licensed professional you choose, do that.
- Category suggestions are exactly that — suggestions. Check them with your accountant before you file.
- You are responsible for the accuracy and completeness of your own records and for what you claim on a return.
- BLV never moves money. A bank connection is read-only and can only fetch transactions.
- Upload transaction lists only. Books keeps the date, amount and description of each line and discards every other column in your browser. A file that carries a Social Security or tax id number is refused, and nothing from it is kept. Do not upload tax forms, payroll files, brokerage statements or anything that shows a tax id — those go to your preparer directly. If you upload something you should not have, delete the account it created; you are responsible for what you choose to upload.
If a category, calculation or import is wrong, our responsibility is to fix the tool. Penalties, interest and filing outcomes remain yours and your preparer's.
Bank Connections
Connecting a bank is optional. It is done through Plaid, and you give your bank credentials to Plaid, never to us. We ask Plaid only for your transactions, so no account number, routing number or bank password ever reaches BLV. You can disconnect at any time, which stops the sync and deletes the stored connection key.
We do not keep your records forever. Each tax year of transactions and receipts is kept through December 31 of the following year, then deleted automatically. Download what you want to keep — we tell you in the app before a year expires, but the download is on you.
Payments And Credits
Paid items are sold on the web and processed by Stripe under its own terms; we never see your full card details. Credits and other in-product balances have no cash value, are not transferable, cannot be redeemed for money, and may expire as described where they are offered. Purchases are final unless the law where you live says otherwise.
Availability
We build in the open and ship often. Features change, and a feature you rely on may be altered or withdrawn. We do not promise the service will be uninterrupted or error-free, and we may take it down for maintenance. Keep your own copies of anything you cannot afford to lose.
What We Do Not Promise
The service is provided "as is" and "as available," without warranties of any kind, express or implied, to the fullest extent the law allows. We do not warrant that the service will meet your needs, that results will be accurate, or that it will be available at a particular time.
Limit Of Our Liability
The most BLV will ever owe you, for any claim of any kind, is one hundred US dollars — or, if more, what you paid BLV in the year before the claim. To the fullest extent the law allows, BLV is not liable for indirect, incidental, special or consequential damages, lost profits, lost data, or tax penalties, interest or filing outcomes.
Security Is Not A Guarantee
We protect your data with encryption, strict access rules and short retention, and we will never sell it, use it for advertising, or intentionally share it. But no online service is perfectly secure, and we cannot promise that yours will never be accessed without permission. By using BLV you accept that risk. If a breach ever affects your data, our responsibility is to tell you promptly, as the law requires, and to fix what allowed it — and the limit above applies to any claim that follows.
Some places do not allow these limits. Where that is true, they apply only as far as the law permits, and nothing here removes a right you cannot waive.
Ending Things
You can stop using BLV and delete your account at any time, in the app or by emailing us. Deleting removes your personal data except limited records the law requires us to keep. We may end or suspend access if you break these terms. The sections on your content, warranties, liability and disputes survive the end of your account.
Disputes And Governing Law
These terms are governed by the laws of the State of Wyoming, without regard to conflict-of-law rules, and any dispute will be brought in the state or federal courts located in Wyoming. Before filing anything, email us — most problems are faster to fix directly.
Changes
We may update these terms as the products change. We will revise the effective date above and post the new version at this address, and we will say so in the app when a change is significant. Continuing to use BLV after that means you accept the updated terms.
Best Life Ventures · collaborate@bestlifeventures.com