Draft. 2 things are not settled: a named privacy officer, who sells the subscription. Not yet reviewed by a lawyer.
Terms
Plain words, so you can read this once and know where you stand. Where the law needs a phrase spelled out, it is spelled out.
1. Who this is between
These terms are an agreement between you and Bound Less Living Institute, P.O. Box 731184, Ormond Beach, FL 32173 ("we", "us"). They cover the GoKakeibo website and the product behind it.
By creating a login you accept them. If you do not, do not create one.
2. Who may use it
You must be 18 or older, or older still if that is the age of majority where you live, and able to enter a contract.
You confirm that what you tell us about yourself is true, that you will use the product lawfully, and that we have not previously ended your access.
Saying you are old enough when you are not is a serious breach, and lets us end your access and delete the data immediately.
3. What GoKakeibo is
GoKakeibo is a ledger: a book you keep, by hand, about your own money. You type things in. We add them up, show them back to you, and keep them safe.
We never hold, move, or touch your money. There is no mechanism in this product to do it with, and we do not connect to your bank. We are not a bank, a broker, a lender, a money transmitter, or a payment service, and we do not act as anybody's agent for money.
4. This is not advice
Nothing here is financial, investment, tax, accounting or legal advice, and nothing in it recommends that you buy, own, sell, or hold anything.
We show you your own numbers and arithmetic done on them. Every figure we state is determined by figures you gave us: we do not assume a rate of return, we do not forecast, and we do not fetch outside data. Where a calculation would need an assumption, we do not make it.
Decisions about your money are yours. If you want advice, ask somebody licensed to give it where you live.
We are not your accountant. Nothing here is prepared for filing a tax return, and any figure you take from it is yours to check.
5. What it costs, and how billing works
Sixty days free, and no card to start. After that it is $96 a year or $9 a month, in the currency your household chose. One tier.
The price you join at is the price you keep. If we raise it later, that is for people joining later.
Billing is handled by a merchant of record, who becomes the seller for your purchase and who collects and remits any sales tax that applies. We will name them here before anybody is charged. Their terms cover the payment itself; these terms cover the product. We never see your card number.
A subscription renews until you stop it. You can stop it at any time from inside the product, without asking anybody. You keep the rest of the period you have paid for, and your book stays reachable so you can take a copy.
We do not refund part-used periods unless the law where you live says we must, in which case we will.
6. Your book, and what is ours
What you write down is yours. You keep every right in it. You give us permission to store and process it only so far as it takes to run the product for you, and for nothing else.
The software, the design, the words on these pages and the name GoKakeibo are ours. Using the product does not transfer any of that to you.
Kakeibo is a Japanese household-ledger practice published by Hani Motoko in 1904. The practice is nobody's property, including ours.
7. What we ask of you
- Do not try to reach another household's book.
- Do not attack, overload, scrape, or probe the service. If you find a security problem, tell us and we will thank you properly.
- Do not resell the product or use it to run a service for other people.
- Do not use it to break a law.
If you do any of these we may end your access, and we will tell you why.
8. Privacy
What we hold and what we do with it is in the privacy notice, which is part of these terms.
9. What we do not promise
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT, TO THE FULLEST EXTENT THE LAW WHERE YOU LIVE ALLOWS.
In plainer words: software has bugs and servers go down. We do not promise the service is always available or always correct. Keep your own copy of anything that matters. The export exists for exactly that, it takes one click, and it gives you everything.
Some places do not allow these exclusions. Where that is so, they do not apply to you.
10. If we owe you something
TO THE FULLEST EXTENT THE LAW ALLOWS, OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE IS LIMITED TO THE GREATER OF (A) WHAT YOU PAID US IN THE TWELVE MONTHS BEFORE THE EVENT, OR (B) ONE HUNDRED DOLLARS.
WE ARE NOT LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR LOST PROFITS OR LOST DATA, EVEN IF WE WERE TOLD THEY WERE POSSIBLE.
The floor exists because a cap set only at what you paid would be nothing at all during a free trial. Nothing here limits liability for anything the law does not permit us to limit, including fraud, or death or personal injury caused by negligence.
11. If you cause us a problem
You will cover our reasonable costs and damages if a third party brings a claim against us because you broke these terms, said you were old enough when you were not, or put something into the product that infringes somebody else's rights.
That is the whole of it. There is no general promise to cover us for anything arising out of your ordinary use of the product.
12. Which law applies
These terms are governed by the law of the State of Florida, without regard to its conflict-of-law rules. Anything not sent to arbitration under section 13 belongs in the state or federal courts sitting in Volusia County, Florida, and both of us agree to those courts.
If the law where you live gives you rights this section cannot take away, you keep them, and you may bring a claim where you live. That includes consumer-protection law in the Canadian provinces and anywhere else with the same rule.
13. Disagreements
First, talk to us. Send a short note saying what the problem is and what you want, and give us sixty days to answer. Use the contact form. Most things end here.
IF YOU ARE IN THE UNITED STATES AND WE HAVE NOT RESOLVED IT WITHIN SIXTY DAYS, YOU AND WE AGREE TO SETTLE IT BY INDIVIDUAL BINDING ARBITRATION UNDER THE FEDERAL ARBITRATION ACT RATHER THAN IN COURT, AND EACH OF US GIVES UP THE RIGHT TO A JURY TRIAL AND TO TAKE PART IN A CLASS OR REPRESENTATIVE ACTION.
Arbitration runs under the AAA Consumer Arbitration Rules, before one arbitrator, in writing or near where you live unless you agree otherwise. If twenty-five or more similar claims are brought against us at about the same time, they are grouped into batches of fifty and heard batch by batch, so neither side can use the volume of filings as leverage over the other.
Either of us may take a claim to small-claims court instead, and doing so breaches nothing here.
Canada, and anywhere else with the same rule. If you are a consumer somewhere whose law does not allow an agreement to arbitrate made before a dispute exists, or does not allow a class-action waiver, then the two paragraphs above do not apply to you at all. You keep every right your own law gives you, including the right to join a class action. Quebec and Ontario are examples. The sixty-day note is still a good idea and is not a condition of anything.
14. Changes
If we change these terms in a way that matters, we will email you before it takes effect and say what changed in one sentence, rather than pointing you at a new document. Carrying on using the product after that is acceptance.
If we ever shut the product down, you get at least ninety days' notice and a way to take everything with you.
15. Odds and ends
If one part of these terms cannot be enforced, the rest still stands. Not enforcing something once does not give it up. You may not transfer this agreement; we may, if the business is sold, and we will tell you.
These terms and the privacy notice are the whole agreement between us about the product.
16. How to reach us
Use the contact form, or write to P.O. Box 731184, Ormond Beach, FL 32173.
Last changed 4 August 2026.