Please read these Terms of Use ("Terms") carefully before using the Bill Raven mobile application (the "App") operated by Bill Raven ("Bill Raven", "we", "us", or "our"). By downloading, accessing, or using the App, you agree to be bound by these Terms. If you do not agree with these Terms, do not use the App.
Bill Raven is a bill organization and reminder tool designed to help you track your financial obligations, due dates, and related information in one place. The App may include features such as bill tracking, reminders, summaries, and premium features available under a subscription called "Raven Plus".
Bill Raven is not a bank, payment service provider, financial adviser, credit repair service, or credit reporting agency. We do not process or transmit payments, hold funds, extend credit, or provide personalized financial advice. Any payment you make to a biller must be completed outside the App using your own bank, credit card, or other payment provider.
You are solely responsible for:
We are not responsible for late fees, missed payments, overdrafts, interest charges, negative credit impacts, or other losses that may result from your use of, or inability to use, the App (including notification failures, software errors, or your own data entry errors).
To access certain features (including Raven Plus), you may need to create an account and provide certain information. You agree to provide accurate, current, and complete information and to keep it updated. You are responsible for maintaining the security of your device and any security features (such as passcodes, Face ID/Touch ID, or an app lock) you enable.
The App is intended for individuals who have an Apple ID and pay bills in their own name. By using the App, you represent and warrant that you have the legal capacity to enter into these Terms under the laws of your jurisdiction. The App is not directed to children under 13 years of age.
The App offers:
Raven Plus is offered as an auto‑renewing subscription with the following options:
Specific prices for each plan and currency are displayed on the App Store product page and in the purchase screen within the App, and may vary by region. Payment is processed by Apple using your Apple ID account ("Apple"). Payment will be charged to your Apple ID account at confirmation of purchase.
There is no free trial for Raven Plus. You may continue to use the free tier of the App without subscribing to Raven Plus.
Raven Plus subscriptions automatically renew for the same duration (monthly or yearly) at the then‑current price unless auto‑renew is turned off at least 24 hours before the end of the current billing period. Your Apple ID account may be charged for renewal within 24 hours prior to the end of the current period.
If you change your subscription (for example, from monthly to yearly), Apple will explain any prorating or timing on the purchase confirmation screen.
You can manage your Raven Plus subscription and turn off auto‑renewal at any time through your Apple ID account settings on your device (for example, by going to Settings > [your name] > Subscriptions, or via the App Store). Deleting or uninstalling the App does not cancel your subscription.
If you cancel, you will continue to have access to Raven Plus features until the end of the current billing period. No refunds are provided for the remaining period unless required by applicable law or Apple's policies.
All billing, subscription management, and refund requests are handled by Apple. If you have questions about charges, billing errors, or refunds, you must contact Apple Support or manage your subscription through your Apple ID account. We do not have access to your full payment details and cannot directly issue refunds.
The App, including all content, features, design, logos, trademarks, and software, is owned by Bill Raven or its licensors and is protected by applicable intellectual property laws. Subject to these Terms, we grant you a limited, non‑exclusive, non‑transferable, revocable license to install and use the App for your personal, non‑commercial use.
You may not copy, modify, distribute, sell, lease, or sublicense any part of the App, nor may you reverse engineer or attempt to extract the source code, except where such restrictions are prohibited by law.
You agree that you will not use the App:
We may limit, suspend, or terminate your access if we reasonably believe you are violating these Terms or harming the App or other users.
We may suspend or terminate your access to the App or your account at any time, with or without notice, if we reasonably believe that you have violated these Terms or pose a risk to us or other users. You may stop using the App at any time. Provisions that by their nature should survive termination (such as intellectual property, disclaimers, and limitations of liability) will continue to apply.
You use the App at your own risk. The App is provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose, or non‑infringement.
We do not warrant that the App will be uninterrupted, error‑free, secure, or free from harmful components, or that any reminders, notifications, or other features will be delivered on time or at all. You understand that technology and network issues may prevent or delay delivery of reminders or access to the App.
To the maximum extent permitted by law, Bill Raven and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or data, arising out of or in connection with your use of or inability to use the App, even if we have been advised of the possibility of such damages.
To the maximum extent permitted by law, our total liability for any claims arising out of or relating to the App or these Terms shall not exceed the amount you paid for Raven Plus in the three (3) months immediately preceding the claim (if any). Some jurisdictions do not allow certain limitations of liability, so some of these limitations may not apply to you.
These Terms and your use of the App are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles. You agree that any dispute arising out of or relating to these Terms or the App will be subject to the exclusive jurisdiction of the courts located in Kitchener, Ontario, Canada, except where applicable law provides otherwise.
Your use of the App is also governed by our Privacy Policy, which explains how we collect, use, and protect your information. By using the App, you acknowledge that you have read and understood our Privacy Policy.
You can review our Privacy Policy at: https://www.billraven.com/privacy.html
We may update these Terms from time to time. When we do, we will revise the "Last Updated" date at the top of this page. If we make material changes, we will take reasonable steps to notify you (for example, by in‑app notice or email, where feasible). By continuing to use the App after updated Terms become effective, you agree to be bound by the revised Terms.
If you have any questions or concerns about these Terms, you can contact us at:
Website: https://www.billraven.com
Email: support@billraven.com