Effective Date: July 2025

Welcome to Hutsy! We’re here to help you stay on top of your bills — no overdrafts, no stress.

🔒 Who Can Use Hutsy

• Be 18 or older
• Live in Canada or the U.S.
• Agree to these terms and use Hutsy responsibly

💼 What Hutsy Does

• Track and manage recurring bills
• Get bills covered when your bank balance is too low
• Avoid overdraft fees, credit damage, and late charges
• Cancel unwanted subscriptions
• Receive smart payment alerts

⚠️ Important: Hutsy doesn’t issue loans — we pay your recurring bills directly (like internet, utilities, insurance), then collect repayment when you get paid.

💳 Fees

• $10/monthly membership
• Fees are non-refundable

📝 Membership Activation & Billing

• When you sign up, your membership begins immediately
• If you don’t have funds in your account at the time, we’ll wait to charge you until funds are available
• Even if you pause your subscription before funds arrive, the original subscription remains active and billing will still occur when balance is available
• You can cancel anytime, but that will apply to future billing periods only

✅ To Stay Eligible for Coverage

• Have recurring income
• Keep your bank connected via Plaid
• Use a payment card that matches your bank
• Keep your membership active and account in good standing

🚫 Why Coverage May Be Declined

• No recurring deposits are found
• Your saved card doesn’t match your bank
• Your Hutsy subscription is inactive
• Your bill can’t be paid by credit card
• Your login to the biller fails or OTP blocks the payment
• The bill exceeds your current coverage limit
• You haven’t repaid a previous bill
• Your account is paused, suspended, or flagged

🔁 Cancellations & Refunds

• Cancel anytime in the app:
  Settings → Membership → Cancel Membership
• You’ll stay active until the end of your current billing period
• We won’t charge you again after cancellation
• Refunds are not provided unless required by law

⛔ Termination

• We may suspend or terminate your account if you:
• Violate these Terms
• Engage in fraudulent or abusive activity
• Fail to repay any Hutsy-covered amounts

⚠️ Limitation of Liability

• Hutsy is not liable for:
• Missed or late payments not caused by our platform
• Issues with banks, Stripe, Plaid, or other 3rd-party services
• Indirect, incidental, or consequential damages
• Our maximum liability is limited to fees paid by you in the past 12 months

🔐 Privacy

We take your privacy seriously. Your personal and financial data is protected and handled according to our Privacy Policy.

📝 Changes to Terms

We may update these Terms from time to time. Continued use of Hutsy means you agree to any updated terms.

💬 Questions?

We’re here to help.
📧 Email: contact@hutsy.com