Terms of Service

These Terms of Service apply to users whose usual residence is in the United States or anywhere other than the United Kingdom, Switzerland, or EEA.

If you are a user whose usual residence is in the United Kingdom, Switzerland, or EEA, these Terms of Service will apply.

Last Modified: April 9, 2026

Acceptance of the Terms of Service

Welcome to YNAB’s (“Company”, “we” or “us”) website! The following terms and conditions, together with anyf additional documents or policies they expressly incorporate by reference (collectively, these “Terms of Service” or “Terms”), govern your access to and use of our apps, software, and the ynab.com website, any associated content, including trainings, receipt of educational materials and communications to manage your subscription, functionality, and services (the “Services”), whether as a guest or a registered user.     

We ask all of our users to please read the Terms of Service carefully before you start to use the Services. By using the Services or by clicking to accept or agree to the Terms of Service when this option is made available to you, you accept and agree to be bound and abide by these Terms of Service, our Privacy Policy, and our Acceptable Use Policy, both incorporated herein by reference. If you do not want to agree to these Terms of Service, the Privacy Policy, or the Acceptable Use Policy do not access or use the Services. Please note that our terms include a mandatory arbitration requirement and class action and jury trial waiver. You may opt out of the mandatory arbitration within 30 days after accepting these Terms (see the “Governing Law; Jurisdiction; Dispute Resolution by Binding Arbitration” section below for more information on how to do this). 

No one under 13 is allowed to create an account or use the Services. If you are under 18 or otherwise under the legal age to form a binding contract in your jurisdiction, you may only use the Services with the prior consent of your parent or other legal guardian. You must promptly provide us credible evidence of such consent if we request it. By using our Services, you represent and warrant that you are of legal age, or you have sufficient consent from your legal guardian, to form a binding contract with the Company and meet all of the foregoing eligibility requirements. If you do not meet all of these requirements, you must not access or use the Services. Registering on behalf of another who does not meet this age requirement is itself a violation of these Terms. We reserve the right to suspend or terminate accounts of users who do not comply with these terms.

Changes to the Terms of Service

We may revise and update these Terms of Service from time to time in our sole discretion. All changes are effective immediately when we post them, and apply to all access to and use of the Services thereafter. We may notify you of certain changes by sending you an email to the email address associated with your account, but we reserve the right to correct typographical errors, inaccuracies, or omissions without sending you an email notice. 

However, any changes to the dispute resolution provisions set forth in the “Governing Law; and Jurisdiction; Dispute Resolution by Binding Arbitration” section below will not apply to any disputes for which the parties have actual notice prior to the date the change is posted on this page.

Your continued use of the Services following the posting of revised Terms of Service means that you accept and agree to the changes. You are expected to check this page from time to time so you are aware of any changes, as they are binding on you.

Accessing the Services and Account Security

We reserve the right to withdraw or amend our Services, and any service or material we provide, in our sole discretion without notice. We will not be liable if for any reason all or any part of the Services are unavailable at any time or for any period.

To access the Services, you may be asked to provide certain registration details or other information. It is a condition of your use of the Services that all the information you provide us is correct, current, and complete. You acknowledge that all information you provide to register with the Services or otherwise, including, without limitation, through the use of any interactive features on our Services, is governed by our Privacy Policy, and you consent to all actions we take with respect to your information consistent with our Privacy Policy.

If you choose, or are provided with, a username, password or any other piece of information as part of our security procedures, you must treat such information as confidential, and will disclose that confidential information solely at your own risk and discretion. Should you, at your discretion, choose to share your username, password, or other security information with any other person or entity in order to share access, we disclaim all liability for anything that person or entity may do to compromise the security of your account.

You shall notify us immediately of any unauthorized access to or use of your username or password or any other breach of security. You also shall ensure that you exit from your account at the end of each session. You should use particular caution when accessing your account from a public or shared computer so that others are not able to view or record your password or other personal information.

We have the right to disable any username, password or other identifier, whether chosen by you or provided by us, at any time if, in our opinion, you have violated any provision of these Terms of Service or our Acceptable Use Policy.

We are not responsible for the accuracy of financial data obtained from third-party sites that are displayed or reported through the Services. The Company is not responsible for and cannot guarantee the accuracy or timeliness of financial accounts we retrieve on your behalf directly, from third-party technology providers, from third-party financial institutions where your accounts are held, or from third-party research/market data providers used to provide the Services.

The Company may not be able to foresee or anticipate technical or other difficulties which may result in failure to obtain data, personalization settings or other service interruptions. The Company assumes no responsibility for the timeliness, accuracy, deletion, non-delivery or failure to store any user data, loss of user data, communications or personalization settings.

Limited Actions of the Company as Your Agent

By accessing and using the services which aggregate third-party financial account transactions and data, you expressly authorize and direct the Company, on your behalf, to electronically retrieve your account information maintained by third-party financial institutions with which you have a legally binding customer relationship. Subject to our privacy procedures as described in the Privacy Policy, the Company may work with one or more third-party financial service technology providers to access and retrieve your Account Information.

For purposes of this agreement and solely to obtain and provide the account information to you as part of the services, you grant YNAB a limited power of attorney, and appoint YNAB as your attorney-in-fact and agent, with full power of substitution and re-substitution, for you and in your name, place and stead, in any and all capacities, to access third-party sites, servers or documents, retrieve information and use your information with the full power and authority to do and perform each and every act and thing requisite and necessary to be done in connection with such activities, as fully to all intents and purposes as you could do in person.

You acknowledge that when YNAB is accessing and retrieving account information from third-party sites, YNAB is acting as your agent, and not as the agent of or on behalf of any third party. You acknowledge that third- party account providers shall be entitled to rely on the foregoing authorization, agency and power of attorney granted by you. You understand that the Services are not endorsed or sponsored by any third party account providers accessible through the Services.

Acceptable Use and Scope of Service

YNAB is a tool designed to help users plan, track, and manage their spending. You may use YNAB for personal, household, or small business purposes. A small business shall mean a business that has 50 or fewer employees. If you are a business with more than 50 employees and you would like to use YNAB for your operations, please contact help@ynab.com and refer to this section of the Terms.

You shall not use YNAB in any way that violates applicable law or regulation, including those governing accounting, taxation, or financial reporting. YNAB does not provide financial, investment, tax, or accounting advice, and is not a substitute for professional bookkeeping or accounting software.

While YNAB strives to provide accurate and reliable functionality, the accuracy and completeness of information displayed in the Service depend on data provided by you and third parties (such as financial institutions). YNAB makes no warranty that such information is error-free or suitable for use in audited financial statements, regulatory filings, or tax returns.

You are solely responsible for ensuring that your use of YNAB meets your personal or business needs and for complying with all applicable legal and tax obligations.

By using our Services (and particularly, if you choose to upload photos with your transactions), you shall adhere to and abide by our Acceptable Use Policy. Please review it carefully, as this Acceptable Use Policy is part of the Terms that you agree to when you use our Services.

Intellectual Property Rights

The Services and their contents, features, and functionality (including, without limitation, all information, software, text, displays, images, video, and audio, and the design, selection, and arrangement thereof), are owned by the Company, its licensors, or other providers of such material and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

You shall not reproduce, distribute, modify, reverse engineer, create derivative works of, publicly display, publicly perform, republish, download, store or transmit any of the material on our Services. 

You shall not use our Services for competitive purposes, and our Services shall not be used by any of YNAB’s competitors or anyone affiliated with YNAB’s competitors. This means that you shall not share our features, functionality, releases, and/or updates with our competitors, and/or that you shall not sign up for a YNAB account for the purpose of sharing information about YNAB or to influence and/or improve upon our competitor’s products. For purposes of this Agreement, “competitors” refers to any providers of personal finance tools, software, or services that offer functionality substantially similar to ours. A violation of this provision is considered a material breach of our Terms of Service and an infringement on our intellectual property rights, and as such, we reserve the right to immediately terminate or suspend any accounts found to be in violation of this provision and pursue any legal remedies to which we are entitled, including, without limitation, injunctive and/or equitable relief. 

If you print, copy, modify, download or otherwise use or provide any other person with access to any part of the Services in breach of the Terms of Service, your right to use the Services will cease immediately and you must, at our option, return or destroy any copies of the materials you have made. No right, title or interest in or to the Services or any content on the Services is transferred to you, and all rights not expressly granted are reserved by the Company. Any use of the Services not expressly permitted by these Terms of Service is a breach of these Terms of Service and may violate copyright, trademark, and other laws.

You may not use any materials created by us (such as trainings, videos, blog posts, or the like) available through our Services for your own commercial training or educational purposes without first properly crediting us as the creator of the work or obtaining our prior written consent. In order to obtain this consent, please write to us at help@ynab.com.

Trademarks

The Company name, the terms “YNAB”, “You Need A Budget”, “Give Every Dollar a Job”, “Embrace Your True Expenses”, “Roll with the Punches”, “Age Your Money”, “Spendful”, “Spendfully,” “Spendfulness”, “Never Worry About Money Again”, “Life is Short. Spend it Well”, the Company logo, and all related names, logos (such as the YNAB tree logo), product and service names, designs and slogans are trademarks of the Company or its affiliates or licensors. You shall not use such marks without the prior written permission of the Company. All other names, logos, product and service names, designs and slogans featured on the ynab.com website or otherwise in our Services are the trademarks of their respective owners.

Prohibited Uses; Termination

You may use the Services only for lawful purposes and in accordance with these Terms of Service. You agree not to use the Services:

• In any way that violates any applicable federal, state, local, or international law or regulation (including, without limitation, any laws regarding the export of data or software to and from the US or other countries).
• For the purpose of exploiting, harming, or attempting to exploit or harm minors in any way by exposing them to inappropriate content, asking for personally identifiable information, or otherwise.
• To send, knowingly receive, upload, download, use, or re-use any material which does not comply with any standards set out in these Terms of Service.
• To transmit, or procure the sending of, any advertising or promotional material, including any “junk mail”, “chain letter”, or “spam” or any other similar solicitation.
• To impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity (including, without limitation, by using email addresses, screen names, or social media accounts or handles).
• To engage in any other conduct that restricts or inhibits anyone’s use or enjoyment of the Services, or which, as determined by us, may harm the Company or users of the Services or expose them to liability.

Additionally, you shall not:

• Engage in abusive (verbal and/or physical), harassing, threatening, discriminatory, or inappropriate conduct or behavior towards YNAB’s employees (and in particular, members of our Support team), contractors, agents, or other representatives, including, without limitation, through support channels, email, social media, or any other communication method; 
• Engage in behavior that will put your personal information at unnecessary risk, such as leaving, transmitting, or publishing your Login or passwords;
• Use the Services in any manner that could disable, overburden, damage, or impair the site or interfere with any other party’s use of the Services, including their ability to engage in real time activities through the Services.
• Use any robot, bot, spider, scraper, offline reader or other automatic device, process or means to access the Services for any purpose, including monitoring or copying any of the material on the Services.
• Use any manual process to monitor or copy any of the material on our Services or for any other unauthorized purpose without our prior written consent.
• Use any device, software or routine that interferes with the proper working of the Services.
• Introduce any viruses, trojan horses, worms, logic bombs, or other material which is malicious or technologically harmful.
• Attempt to gain unauthorized access to, interfere with, damage or disrupt any parts of the Services, the servers on which the Services are stored, or any server, computer, or database connected to the Services.
• Attack the Services via a denial-of-service attack or a distributed denial-of-service attack.
• Otherwise attempt to interfere with the proper working of the Services.
  

We retain the right to: (1) take appropriate legal action for any illegal or unauthorized use of the Services and (2) terminate or suspend your access to all or part of the Services for any or no reason, including, without limitation, any violation of these Terms of Service.

Open Banking

We also use data relating to your bank account(s) held by third-party financial institutions (“Open Banking”) to help us to provide you with automated and dynamic access to your spending activity. We will therefore request your permission, as part of the connection process, to access your bank account(s) data using Open Banking. We use third-party providers such as Plaid Inc. or Plaid Financial Ltd. (collectively or individually, “Plaid”), MX Technologies, Inc. (“MX”), and the Apple FinanceKit framework for this purpose, and by using our services, you accept such third-party provider’s terms of use and privacy policies and expressly grant such third party the right, power, and authority to access and transmit your information as reasonably necessary to provide the services to you. The third-party provider we use varies based on the location of the third-party financial institution at which you maintain the bank account(s) to which you provide us access. If you provide us access to your Apple Card account, we operate through the use of the Apple FinanceKit framework. To enable access to your Apple Card account information, you will need to grant us permission.

If your bank account is in the United States or Canada, Open Banking will be provided by Plaid or MX. You authorize us to access data from the applicable third-party provider such as personal identity information and possibly other data such as transactional data and, if the third-party provider is Plaid, by doing so you accept the Plaid End User Services Agreement and Plaid Privacy Policy. You can review Plaid’s commitment to safety and security here. By utilizing Open Banking through Plaid, you acknowledge and agree that the terms of Plaid’s Privacy Policy will govern Plaid’s use of such information, and you expressly agree to the terms and conditions of Plaid’s Privacy Policy.

If your bank account is in the EEA or the UK, Open Banking will be provided by Plaid Financial Ltd. (a company with the registered address at Techspace Level 4, 25 Worship Street, London, United Kingdom, EC2A 2DX, and company registration number 11103959).

In providing the Open Banking for EEA or UK bank accounts (whichever is applicable) in connection with the Services, we operate through our wholly-owned subsidiary, You Need A Budget UK Ltd (a company with the registered address at 4th Fl. St. James House, St. James Square, Cheltenham, England, GL50 3PR) (“YNAB UK”), which is acting as an agent of Plaid. YNAB UK is an agent of Plaid Financial Ltd., an authorised payment institution regulated by the Financial Conduct Authority (“FCA”) under the Payment Services Regulations 2017 (Firm Reference Number: 804718). Plaid provides you with regulated account information services through YNAB UK as its agent. Plaid allows you to send information on your payment accounts to us and other service providers. In order to use Open Banking services, you will be asked to agree to Plaid’s End User Services Agreement and enter your payment account details with Plaid or, for Open Banking connections, you will be redirected to your bank by Plaid in order to authenticate yourself. The End User Services Agreement sets out the terms on which you agree to Plaid accessing information on your payment accounts for the purposes of transmitting that information to us. Plaid is subject to UK and EU data protection laws and is required to treat your data in accordance with those laws, as well as Plaid’s End User Services Agreement and Plaid’s Privacy Policy, TrueLayer’s Terms of Service and TrueLayer’s Privacy Policy.

Third-Party Applications

Any application, plugin, script, or other program that interacts with YNAB’s API or acts as a plugin to the official application (a “OAuth App”) does so at the risk of its users and developers, and must display the following message at least once, and require the user to acknowledge before the application will function:

Such OAuth Apps are not officially supported by YNAB in any way. Use of these OAuth Apps could introduce problems with YNAB, through its official support channels, will not be able to troubleshoot or fix. Please use at your own risk!

For more on YNAB API, visit the API page here.

Reliance on Information Posted

The information presented on or through the Services is made available solely for general information purposes. We do not warrant the accuracy, completeness, or usefulness of this information. Any reliance you place on such information is strictly at your own risk. We disclaim all liability and responsibility arising from any reliance placed on such materials by you or any other visitor to the Services, or by anyone who may be informed of any of their contents.

Our Services may include content provided by third parties, including materials provided by other users, bloggers, and third-party licensors, syndicators, aggregators, and/or reporting services. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by the Company, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of the Company. We are not responsible, or liable to you or any third party, for the content or accuracy of any materials provided by any third parties.

Information About You and Your Use of our Services

All information we collect via our Services is subject to our Privacy Policy. By using our Services, you consent to all actions taken by us with respect to your information in compliance with the Privacy Policy.

Subscription and Payment Terms

Subscription Plans: Access to the Services requires a paid subscription, except during any free trial period that we may offer, or as otherwise provided through our programs, (which may be discontinued at any time in our sole discretion). Current subscription plans and pricing are available on our website. Subscription plans include a Monthly Plan and an Annual Plan. We reserve the right to modify, discontinue, or introduce new subscription plans at any time.

Subscription Sharing: You are able to share your subscription with additional users. For more information on YNAB Together and subscription sharing, see our Subscription Sharing page.  

Free Trials: We may offer a free trial period to new users, and if such a free trial period is offered, we will notify you before your trial expires. 

If you sign up through a third-party app store (such as the Apple App Store or Google Play) (each, an “App Store”), the App Store may require credit card information to begin your trial, and different terms may apply. 

Please note that we reserve the right to modify our free trial policies at any time. Read more about our free trial offerings.

Payment Methods: You shall provide a valid payment method (such as a credit card, debit card, or other valid payment method) and keep your payment information current. You authorize us to charge your payment method for all fees associated with your subscription. 

Billing and Auto-Renewal: Subscriptions are billed in advance on a recurring basis depending on your selected plan. Your subscription will automatically renew at the end of each billing period unless you cancel before the renewal date. The renewal charge will be at the then-current subscription rate.  

Price Changes and Subscription Offerings: We may change subscription terms, subscription fees, the services, and subscription offerings offered as part of the subscription at any time on a go forward basis in our sole discretion. If the pricing for your subscription increases, we will notify you as required by law and provide you an opportunity to cancel before applying those changes to your account or charging you in connection with an automatic renewal. Your continued use of the Services after a price change becomes effective constitutes your acceptance of the new price. 

Cancellation & Refunds: While we don’t want to see you go, you may cancel your subscription at any time through your account settings or by contacting Support for assistance at help@ynab.com. Cancellation will take effect at the end of your current billing period, and you will retain access to the Services until that time. You can always resume your subscription at any time if you change your mind. 

Monthly subscription fees are non-refundable. We do not provide retroactive refunds, discounts, or extensions based on feature usage or service interruptions. 

If you subscribed through an App Store, you must cancel through that App Store. For more on cancellation, see our Cancellation Policy.  

Taxes: Subscription fees are exclusive of all applicable taxes, levies, or duties imposed by taxing authorities. You are responsible for paying all such taxes, levies, or duties. Where required by law, we will collect and remit applicable sales, use, VAT, or similar taxes. 

Failed Payments: If your payment method fails or your account is past due, we may suspend or terminate your access to the Services. We may attempt to charge your payment method again, or request an alternative payment method. You remain responsible for any uncollected amounts. We may, but are not required to, engage third parties to collect amounts owed. 

Billing Disputes. If you believe you have been incorrectly charged, you must contact us within 60 days of the charge. Failure to notify us within this period constitutes your acceptance of the charge. To dispute a charge, contact us at help@ynab.com with your account information and a description of the charge you are disputing.

Modification to Services: We may choose in our sole discretion to add, modify, or remove services offered as part of the subscription on a temporary or permanent basis. If you do not wish to continue subscribing with the new modifications, you may cancel your subscription. Your failure to cancel or your continued use of the subscription after the changes become effective will constitute your acceptance of the changes. If you accept the new subscription, its terms and conditions will apply for that renewal and all renewals going forward.

Links from the Services

If the Services contain links to other sites and resources provided by third parties, these links are provided for your convenience only. This includes links contained in advertisements, including banner advertisements and sponsored links. We have no control over the contents of those sites or resources, and accept no responsibility for them or for any loss or damage that may arise from your use of them. If you decide to access any of the third-party websites linked to our Services, you do so entirely at your own risk and subject to the terms and conditions of use for such websites.

Disclaimer of Warranties

You understand that we cannot and do not guarantee or warrant that files available for downloading from the internet or the Services will be free of viruses or other destructive code. You are responsible for implementing sufficient procedures and checkpoints to satisfy your particular requirements for anti-virus protection and accuracy of data input and output, and for maintaining a means external to our site for any reconstruction of any lost data.

We will not be liable for any loss or damage caused by a distributed denial-of-service attack, viruses, or other technologically harmful material that may infect your computer equipment, computer programs, data or other proprietary material due to your use of the Services or to your downloading of any material posted on our Website or Services, or on any website linked to our Services

Your use of the Services is at your own risk. The Services or items obtained through the Services are provided on an “as is” and “as available” basis, without any warranties of any kind, either express or implied. Neither the Company nor any person associated with the Company makes any warranty or representation with respect to the completeness, security, reliability, quality, accuracy, or availability of the Services. Without limiting the foregoing, neither the Company nor anyone associated with the Company represents or warrants that the services or their content will be accurate, reliable, error-free, or uninterrupted, that defects will be corrected, that our Website or the server that makes it available are free of viruses or other harmful components, or that the services will otherwise meet your needs or expectations.

The Company hereby disclaims all warranties of any kind, whether express or implied, statutory, or otherwise, including, without limitation, any warranties of merchantability, non-infringement, and fitness for particular purpose.

The foregoing does not affect any warranties which cannot be excluded or limited under applicable law.

Information presented through YNAB does not constitute financial, accounting, tax, or investment advice. You acknowledge that YNAB does not act as your accountant, fiduciary, or financial advisor, and you should consult qualified professionals for advice specific to your situation.

Limitation on Liability

The Company, its affiliates or their licensors, service providers, employees, agents, officers, or directors will not be liable for damages of any kind, under any legal theory, arising out of or in connection with your use, or inability to use, the services, any websites linked to them, any content on the services, or such other websites or any services or items obtained through the website or such other websites, including any direct, indirect, special, incidental, consequential, or punitive damages, including, without limitation, personal injury, pain and suffering, emotional distress, loss of revenue, loss of profits, loss of business or anticipated savings, loss of use, loss of goodwill, loss of data, and whether caused by tort (including negligence), breach of contract, or otherwise, even if foreseeable.

The collective liability of the Company and its subsidiaries and affiliates, and their licensors, service providers, employees, agents, officers, and directors, to any party (regardless of the form of action, whether in contract, tort, or otherwise) will not exceed the amount you have paid to the Company for the applicable content, product, or service in the last 12 months out of which liability arose.

The foregoing does not affect any liability which cannot be excluded or limited under applicable law.

Indemnification

You shall defend, indemnify, and hold harmless the Company, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms of Service or your use of the Services, including, without limitation, your photo uploads, any use of the Services’ content, services and products other than as expressly authorized in these Terms of Service, or your use of any information obtained from the Services.

Governing Law; Jurisdiction; Dispute Resolution by Binding Arbitration

All matters relating to the Services and these Terms of Service and any dispute or claim arising therefrom or related thereto (in each case, including non-contractual disputes or claims), shall be governed by and construed in accordance with the internal laws of the State of Utah without giving effect to any choice or conflict of law provision or rule (unless otherwise required by law or if your state requires us to apply your state’s law, such as in California or New Jersey).

Informal Resolution: Before initiating arbitration or filing a claim, you shall contact us at help@ynab.com to attempt to resolve any dispute informally. Both parties will make good faith efforts to resolve such a dispute. If we are unable to resolve the dispute within 30 days, either party may proceed to arbitration. 

Agreement to Arbitrate: Any legal suit, action, or proceeding arising out of, or related to, these Terms of Service or the Services shall be resolved exclusively through final and binding arbitration, rather than in court, except as set forth below. By agreeing to arbitration, you are waiving your right to a trial in court and to have a judge or jury decide your case. Arbitration is a process where an independent, neutral arbitrator, instead of a judge or jury, decides the dispute. The arbitrator shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, enforceability, or formation of this arbitration agreement, including any claim that all or part of this agreement is void or voidable.

Procedural Rules: The arbitration shall be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, except as modified by this provision. The arbitration shall be conducted by a single arbitrator. The arbitrator’s decision shall be final and binding and may be entered as a judgment in any court of competent jurisdiction. The arbitrator may award any relief that a court could award, but declaratory or injunctive relief may be awarded only on an individual basis and only to the extent necessary to provide relief warranted by the claimant's individual claim.

Class and Representative Action Waiver: Each of us also waives the right to participate in a class action or representative proceeding. You agree that you will not be a member of any putative or actual class in a class action brought by anyone against us, nor will you seek to become a class representative. You agree that any relief you may obtain will be relief for yourself only, and not for any other person.

Mass Arbitration: If 25 or more claimants submit demands for arbitration raising similar claims, and are represented by the same or coordinated counsel, all such claims shall be considered “Mass Arbitration.” 

In such Mass Arbitration cases: 

(a) Bellwether Selection: Counsel for the claimants and YNAB will each select 10 claims to proceed to arbitration first (the "Bellwether Claims"). If the parties cannot agree, the arbitrator shall select Bellwether Claims that are reasonably representative of the range of claims asserted. 

(b) Bellwether Process: Bellwether Claims will proceed under the standard arbitration procedures set forth in this paragraph. Bellwether arbitrations will be completed within 120 days of selection unless extended by the arbitrator for good cause. 

(c) Stay and Tolling: The remaining claims shall be stayed pending resolution of the Bellwether Claims. The statute of limitations and any filing fee deadlines shall be tolled for all stayed claims during the bellwether and mediation process.

(d) Mediation: Within 30 days following resolution of the Bellwether Claims, the parties will participate in a single global mediation of all remaining claims. YNAB shall pay the mediator’s fees.  

(e) Post-Mediation Batching: If the mediation does not result in resolution, the remaining claims shall proceed in batches of 50 at a time. No claimant shall wait more than 36 months from the date of their original demand to have their claim heard.

(f) Non-Binding Effect: The outcomes of Bellwether Claims will not be binding on claimants whose claims were not selected as Bellwether Claims. Bellwether results are intended to inform settlement discussions only. 

Costs: Payment of all filing, administration, and arbitrator fees will be governed by the AAA's Consumer Arbitration Rules. YNAB will pay all arbitration filing, administration, and arbitrator fees for any arbitration we initiate. For any arbitration you initiate, you will pay only the consumer filing fee required by AAA, and YNAB will pay the remainder. Each party shall bear its own attorneys' fees unless the arbitrator awards fees to the prevailing party as permitted by applicable law.

Intellectual Property & Confidentiality Claims; Small Claims: Notwithstanding the foregoing, either party may seek equitable relief (including injunctive relief) in any court of competent jurisdiction to protect its intellectual property rights or confidential information. Either party may also bring claims in small claims court if the claims qualify. The venue for such claims will be the federal courts of the United States or the courts of the state courts located in Salt Lake County, Utah, although we retain the right to bring any suit, action, or proceeding against you for breach of these Terms of Service in your country of residence or any other relevant country. You waive any and all objections to the exercise of jurisdiction over you by such courts and to venue in such courts. 

Opt Out: You may opt out of this arbitration agreement by sending us written notice to legal@ynab.com (an email saying that you are opting out of arbitration, please use the subject line: ATTN: LEGAL DEPARTMENT - ARBITRATION OPT OUT) within 30 days of first accepting these Terms. If you opt out, you will still be bound by all other provisions of these Terms. Opting out of arbitration has no effect on any previous, other, or future arbitration agreements you may have with YNAB. 

Please note that this email is not actively monitored and should only be used for legal notices. If you have questions about our product or our policies, please contact our Support through our Support channels. 

Severability & Survival: If any part of this arbitration provision is found unenforceable, the remainder will remain in effect, provided, however, that if the Class and Representative Action Waiver is found unenforceable as to a particular claim, then that claim (and only that claim) must be severed from the arbitration and brought in court, and the remaining claims shall proceed in arbitration. This Dispute Resolution section shall survive the termination of your relationship with YNAB. 

Waiver and Severability

No waiver of by the Company of any term or condition set forth in these Terms of Service shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure of the Company to assert a right or provision under these Terms of Service shall not constitute a waiver of such right or provision.

If any provision of these Terms of Service is held by a court or other tribunal of competent jurisdiction to be invalid, illegal, or unenforceable for any reason, such provision shall be eliminated or limited to the minimum extent such that the remaining provisions of the Terms of Service will continue in full force and effect.

Participation in Services Through Financial Wellness by YNAB Subscription

If you elect to participate in the Services through a business or other organization (“Partner”) as part of a group (“Group”) of employees or affiliates of that Partner’s Financial Wellness by YNAB plan (“Wellness Plan”), this paragraph shall be applicable to your use of the Website. You shall be bound both by these Terms and by the terms of the agreement between YNAB and that Partner. You acknowledge and accept that Partner has provided free YNAB access to you as an employee or affiliate. When you utilize the Services through the Wellness Plan, your name, email address, and the date you joined the Wellness Plan is shared with the Partner. If the Wellness Plan has 10 or more Members, the Partner will also receive aggregated, anonymized data about the number of Members who used the Wellness Plan each month. No other personal data associated with your use of the Website will be conveyed by YNAB to the Partner. You may terminate your affiliation with the Wellness Pan at any time. Your YNAB Wellness Plan subscription is dependent upon your continued membership or employment with the Partner, and further can be terminated at any time at the full discretion of the Partner. In the event of 1) your voluntary exit from the Wellness Plan; or 2) a termination by YNAB of a Partner and its Wellness Plan services; or 3) termination of your Wellness Plan privileges by a Partner, then your subscription will be transferred to a free trial for 34 days, during which time you must obtain a new subscription or your access to the Website will end.

Participation in Services through YNAB Together

If you elect to participate in the Services as part of a YNAB Together Group, then these supplemental terms and conditions shall be applicable to your use of the Services.

Entire Agreement

The Terms of Service, our Privacy Policy, and our Acceptable Use Policy constitute the sole and entire agreement between you and You Need A Budget LLC d/b/a YNAB with respect to the Services and supersede all prior and contemporaneous understandings, agreements, representations and warranties, both written and oral, with respect to the Services.

 Any words following the terms “e.g.,” “including,” “in particular,” “for example”, “such as” or any similar expression are illustrative, non-exhaustive and do not limit the sense of the words, description, definition, phrase or term preceding those terms.

Notice to New Jersey Consumers

If you are a consumer residing in New Jersey, the following provisions of these Terms do not apply to you (and do not limit any rights that you may have) to the extent that they are unenforceable under New Jersey law: (a) the disclaimer of liability for any indirect, incidental, consequential, special, or punitive damages of any kind (for example, to the extent unenforceable under the New Jersey Punitive Damages Act, New Jersey Products Liability Act, New Jersey Uniform Commercial Code, and New Jersey Consumer Fraud Act; (b) the limitations of liability for lost profits or loss or misuse of any data (for example, to the extent unenforceable under the New Jersey Identity Theft Protection Act and New Jersey Consumer Fraud Act); (c) application of the limitations of liability to the recovery of damages that arise under contract and tort, including negligence or any other theory (for example, to the extent such damages are recoverable by a consumer under New Jersey law, including the New Jersey Products Liability Act); (d) the requirement that you indemnify the Company (for example, to the extent the scope of such indemnity is prohibited under New Jersey law); and (e) the Utah governing law provision (for example, to the extent that your rights as a consumer residing in New Jersey are required to be governed by New Jersey law).