Terms

• Household Hub is free to use. There is no paid plan and no billing.
• It is a ledger, not a bank. It records who paid what and who owes whom. No money moves through it.
• It is not advice, and it is not a system of record for anything legal. Do not rely on it where a document is required.
• Use it for your own household. Do not use it to hold or publish information about other people that you have no reason to hold.
• It comes with no warranty and no promise that it will be up.

It is a shared record of what a house spends: bills, who paid them, how they were split, what each person owes, and what has been settled.

It is not, and is not a substitute for, any of the following.

• A payment service. There is no bank connection, no card, no processor and no transfer. A settlement in this app is a bookkeeping entry: a note a person writes to say that a debt was squared somewhere else, with real money that moved somewhere this app never saw.
• Financial, tax, accounting or legal advice. The arithmetic is exact to the cent, and it is arithmetic on whatever was typed in.
• A system of record for anything legal. It is not a lease, a receipt, proof of payment, evidence of tenancy, or an accounting of a security deposit. If a situation calls for a document, this is not the document.
• A backup. Keep your own copy. The Insights page exports the household’s figures as a CSV.

• You sign up with an email address and a password of at least six characters. Keeping that password to yourself is your responsibility, and so is what happens under your account.
• Use an address you can actually receive mail at. Invitations, confirmations and password resets all go there, and there is no other way to recover an account.
• One account per person. Creating a second one does not merge with the first, and a household sees whichever account is on its ledger.

A household is shared, and it has admins. Whoever created it, plus anyone they promote, can invite and remove people, change roles, change how bills are split, void records, permanently delete records that are already voided, and create and revoke share links.

• If you were invited into somebody else’s household, they hold those controls and you do not. Anything you record there is visible to everyone on it.
• An admin can remove you from a household. Your name stays on the bills you were part of, because taking it off would change other people’s balances.
• If you are the admin, the people on your ledger are trusting you with their names and their numbers. Behave accordingly, including when you create a share link.

The app reconciles: allocations always sum to the bill to the cent, balances net to zero, and it refuses to show figures that do not add up rather than showing you a plausible wrong one.

It reconciles what it was given. Enter a bill twice, or name the wrong payer, and it will faithfully produce a wrong answer that adds up perfectly. Deciding what anyone actually owes anyone is yours: marking a bill paid, voiding a mistake and recording a settle up are all acts a person performs, on purpose.

Do not do any of this.

• Store other people’s personal information that you have no reason to hold. A housemate’s name and share is the point of the product. Their documents, identifiers and account numbers are not, and there is nowhere in this app to put them.
• Publish somebody else’s household finances. A share link is for the people you mean to send it to, and once it is pasted into a group chat it has been given to the chat.
• Try to reach data belonging to a household you are not a member of, guess tokens, probe the interfaces behind the app, or automate access to the service.
• Upload anything unlawful, or use the service to harass, threaten or deceive anyone.

A share link is a bearer credential: anybody holding the address sees the page, with no sign in. Creating one is an admin act. It expires, it counts every view, and it can be revoked at any time.

What a link publishes is set out in full on the privacy page. Who receives it is your responsibility, not the product’s.

• Best effort, and no promise. The service may be slow, down, changed or discontinued, and features can be removed.
• One scheduled job generates the month’s recurring bills. If it does not run, those bills are not generated. It is your ledger and it is worth checking.
• There is no support commitment and no response time.

• You can stop using Household Hub at any time.
• There is no self service delete today. Write to householdhub@matadortechnology.com to ask for an account or a household to be removed. The privacy page explains what removal does and what it cannot quietly do to other people’s balances.
• An account that abuses the service or the people on it, or that puts other households at risk, may be suspended or removed, and where the risk is live that can happen without notice.

Household Hub is provided as it is and as it happens to be available, without warranties of any kind, to the fullest extent the law allows. There is no promise that it will be uninterrupted or free of errors, and no promise that a figure it shows is correct for whatever you are about to use it for.

To the fullest extent the law allows, the operator is not liable for lost data, lost money, a missed payment, a dispute between housemates, or any indirect or consequential loss arising out of using Household Hub or being unable to use it.

Nothing here attempts to exclude a liability that cannot be excluded by law.

This page names no governing law and no court. That question is genuinely not settled yet, and picking one here to look complete would be worse than saying so.

Changes appear on this page, and the date at the top changes with them. There is no notification. If a change is not acceptable to you, stop using the service and write to householdhub@matadortechnology.com to ask for your data to be removed.

Write to householdhub@matadortechnology.com. The companion page is the privacy notice, which sets out what is stored, who can see it and what leaves this site.