Terms of Use

 

Last updated: September 4, 2026

 

Working draft. This is not legal advice. Have a licensed Florida lawyer review this before taking payment.

 

These terms are the agreement between you and Nathan Smith, doing business as Stay on Track™ ("we" or "us"), for using the Stay on Track™ web app at https://stayontrack.io. No limited liability company has been formed yet.

 

If you do not agree, do not use the app and do not pay.

 

The Not financial advice page is part of this agreement. So is the Privacy Policy.

 

1. What Stay on Track™ is

 

Stay on Track™ (also written Stay On Track) is a consumer cash-flow look-ahead planner. You enter a checking starting point, paycheck and payday weeks, a weekly spending placeholder, bills, and one goal (a loan goal may include an optional APR you type). The app builds a weekly grid (about 18 months) and a strip that talks about "the promise" if you stay on track.

 

That "promise" is a projection from numbers you typed. It is not a guarantee, not advice, and not an offer of credit.

 

We are not a bank, broker, investment adviser, tax preparer, lender, or credit counselor.

 

2. Age

 

You must be 18 or older. By using the app you confirm that you are.

 

3. License

 

If we offer the app for free, or if you pay the fee shown at checkout, we give you a personal, non-transferable, non-exclusive license to use Stay on Track™ for your household.

 

You may:

 

- use it to plan your household's own money

- export and import your own JSON backup

- install the PWA on your own devices

 

You may not:

 

- sell, rent, or sublicense the app

- scrape, copy, or wrap it and present it as your own product

- remove our name, the Stay on Track™ mark, or the road-to-sunrise logo and rebrand the app

- reverse engineer except where the law already allows it

- use our code, copy, or design to build a competing hosted service

 

There are no user accounts, so we cannot easily "turn off" one person. The license is still the deal. If you break it, we can ask you to stop, refuse a later purchase, and use the remedies the law allows.

 

4. Your data stays on your device

 

There is no login and no operator database of your weeks. Your planner is JSON in this browser's localStorage (stay-on-track-v1). Clearing site data, another device, or a private window will look like a first visit.

 

Export a JSON backup if you care about the calendar. Import replaces what is in this browser. We cannot restore a calendar we never received.

 

5. Paying for the app

 

Paid access is planned as a 14-day trial, then $4.99 per month or $39 per year. When checkout exists, Paddle is the merchant of record. Paddle bills you, collects tax, and runs refunds under its buyer terms. Those terms control the purchase. The checkout page is what counts if the posted price and this paragraph ever differ.

 

This draft does not claim Paddle checkout or the trial is live yet. Until paid access exists, using the app is under the license in section 3 at no charge.

 

If billing fails or Paddle refunds you, your license for that paid period ends. When a trial ends and you have not paid, paid features may stop.

 

6. Acceptable use

 

Do not break the law with the app. Do not try to disrupt or overload the site. Do not probe, scrape, or harvest the app in bulk. Do not put malware in an import file. Do not pretend to be us. Do not use the app if you are under 18.

 

7. Name, mark, and content

 

"Stay on Track" and "Stay On Track" are trademarks of Nathan Smith (an unregistered ™ — we do not claim a registered mark). The product uses a road-to-sunrise mark with the name. The current icon and lockup are original vector artwork. We do not claim copyright in earlier AI-generated exploration images.

 

The app's code, copy, and layout that we created are ours, or are used under license. You get only the license in section 3.

 

8. The app is provided "as is"

 

The app is a calculator and a calendar you fill in. We provide it as is and as available, with no warranties of any kind, including merchantability, fitness for a particular purpose, quiet enjoyment, and non-infringement. We do not warrant that figures, payoff dates, optional APR math, or "what you could do if you stay on track" are accurate, complete, or right for you. Optional APR uses simple monthly interest on numbers you typed. It is not your lender's actual interest or a payoff quote.

 

Some states do not allow certain warranty disclaimers. If those rules apply, some of this section may not apply to you, but only as far as the law requires.

 

9. Limitation of liability

 

To the fullest extent Florida law allows:

 

- We are not liable for lost money, missed payments, overdrafts, tax problems, lost data (including localStorage or a JSON file you misplaced), or any indirect, incidental, special, consequential, or punitive damages.

- Our total liability for any claim about the app or these terms is limited to the amount you paid us (through the merchant of record) for the app in the 12 months before the claim, or $39 if you paid nothing.

 

Nothing here limits liability that Florida law says we cannot limit, such as harm from our intentional misconduct or, where the law requires, gross negligence.

 

10. We can change the app and these terms

 

We can change features, stop offering the app, or change these terms. We will post the new terms on the site and update the date at the top. Material changes will also get a notice on the site. If you keep using the app after that, you accept the new terms. If you do not, stop using the app. Paid-period refunds remain under the merchant of record's rules.

 

11. Florida law and where disputes go

 

Florida law governs these terms, without its conflict-of-law rules.

 

You and we agree that the state courts of Polk County, Florida, and the federal courts sitting in Florida, are the exclusive venue for disputes, except that we may seek an injunction anywhere to protect the name or the app.

 

If a small-claims court in Florida will take the dispute, you may use that instead.

 

A licensed Florida lawyer should review venue, arbitration, jury trial, and class-action questions before any paid launch. This draft does not add an arbitration clause or a class-action waiver on its own.

 

12. Other odds and ends

 

If one part of these terms cannot be enforced, the rest still applies. These terms plus the Privacy Policy and the Not financial advice page are the whole agreement. A failure to enforce a part is not a waiver. You may not assign your license. We may assign ours (for example if the operator forms an LLC or sells the app). Headings are for reading, not for spinning.

 

13. Contact

 

Nathan Smith

hello@stayontrack.io

https://stayontrack.io