Legal

Terms of service

Last updated · 2 August 2026

1. Who these terms are between

These terms are an agreement between you and Lit Technologies LLC (“Shugo”, “we”, “us”). By using the service you accept them. If you do not accept them, please do not use Shugo.

2. What Shugo does

Shugo records the bills you enter or import, shows you what is due and when, and keeps that information encrypted and synced between your devices. If you connect a bank account through Plaid, it also reads your balances and transactions to spot recurring payments, show you where your money went, and estimate what’s left after bills. An optional assistant can describe all of that in plain English.

3. What Shugo is not

Shugo is not a bank, not a money transmitter, not a lender, and not a financial, tax, or legal adviser. Nothing in the app is advice about what to do with your money. Shugo does not make payments on your behalf — paying a bill remains between you and whoever you owe. Decisions about your finances are yours.

4. The numbers Shugo shows you

Your bank is the authoritative record of your money. Shugo is a second view of it. Balances, transactions, and categories reach Shugo from your bank through Plaid, a third-party provider. That information can arrive late, arrive incomplete, be categorised wrongly, or not arrive at all — sometimes for reasons neither we nor Plaid control.

So before you act on a figure in Shugo — paying, transferring, or spending — check it against your bank. If something looks wrong, it may be wrong. Tell us at support@shugo.online and check with your bank as well, since they hold the record we are reading from.

“Left after bills” is an estimate, not a promise. It is a projection built from your own recent history — the lowest of your last eight weeks of income, less what we can see coming. It does not know about pending transactions, holds your bank has placed, cash you spent, money you owe someone privately, or anything that has not reached your account yet. It is not a statement that spending that amount is safe, and it is not a prediction that you will avoid an overdraft or a fee. Shugo never holds or moves your money, so it cannot block a payment, stop a fee, or prevent an overdraft. How the number is built →

5. The assistant, and what it can get wrong

The optional assistant uses artificial intelligence to describe your money in plain English. It can be wrong even when the underlying data is right — it can misread a figure, miss context, or state something confidently that is not true. We do not hold it out as an expert, an adviser, or a substitute for your own judgement.

Nothing it says is financial, tax, accounting, or legal advice. Check anything you intend to act on — against your bank, and against a qualified professional where the decision warrants one.

6. Your account

• You sign in with a Google account. Keeping that account secure is your responsibility — we strongly recommend two-step verification on it.
• You must be at least 16 years old to use Shugo.
• You are responsible for keeping your recovery code safe. We will never ask you for it.

7. Encryption, and the limit it creates

Your bills are encrypted on your device with a key we never receive. This is the core of the product, and it has a consequence you must understand before relying on Shugo: if you lose your recovery code and lose access to every device you have set up, we cannot recover your data. There is no override, no support ticket, and no legal process that changes this. We have no key.

Please keep your recovery code somewhere safe, and keep a backup. Both are available in Settings.

8. Payment, renewal, and cancellation

• The subscription is $9.99 per month, charged in advance, and renews automatically until you cancel.
• You can cancel at any time in Settings. Cancelling stops future charges; you keep access until the end of the period you have already paid for.
• Payments are processed by Stripe. We do not see or store your card details.
• If we change the price, we will tell you before it applies to you, and you can cancel.

9. Acceptable use

Please do not:

• Use Shugo for anything unlawful.
• Try to break, overload, or gain unauthorised access to the service or to other people's accounts.
• Resell or redistribute the service without our written agreement.
• Upload material you have no right to, or use the service to harm others.

Testing our security in good faith and reporting what you find to security@shugo.online is welcome and is not a breach of these terms.

10. Third-party services

Shugo relies on other companies to work: Google for sign-in and for analytics on our public pages, Plaid for bank connections, Stripe for payments, and Anthropic for the optional assistant. Your use of those services is also governed by their own terms and privacy policies. We are not responsible for their acts or omissions.

11. Availability

We work to keep Shugo running, but we do not promise it will be available without interruption. We may need to take it offline for maintenance, and we may change or discontinue features. If we discontinue the service altogether, we will give you reasonable notice and time to export your data.

12. No warranty

Shugo is provided “as is.” We do not warrant that it will be error-free, that reminders will always arrive, or that any information shown — bills, balances, transactions, categories, or projections — will always be complete, current, or correct. Much of it comes from your bank through a third party, and we do not warrant their accuracy either. Always check with the company you owe before relying on Shugo to tell you a bill is paid or due, and check your bank before relying on a balance or a figure.

13. Limitation of liability

To the fullest extent the law allows, we are not liable for indirect or consequential losses, for missed payments, late fees, interest, or overdraft charges, for lost data, or for decisions you make in reliance on a figure Shugo displayed. Our total liability to you for any claim is limited to the amount you paid us in the twelve months before the claim arose.

What this section does not do. Nothing above excludes or limits our liability for fraud or intentional misrepresentation, for willful injury, for gross negligence, or for any violation of law — nor does it waive any right you have under California’s Consumers Legal Remedies Act or other consumer-protection law. Those cannot be signed away, and we are not asking you to. If any part of this section is held unenforceable, the rest still applies.

14. Ending the agreement

You can stop using Shugo and delete your account at any time. We may suspend or end your access if you seriously or repeatedly breach these terms, and we will tell you why unless we are legally prevented from doing so.

15. Changes to these terms

If we change these terms we will update this page and the date at the top, and we will highlight significant changes in the app before they take effect.

16. Contact

Questions about these terms: support@shugo.online. See also our privacy policy and security page.