Terms of Service

Plum Violin is operated by Evercentr Digital Technologies, LLC, a Georgia limited liability company based in Atlanta, Georgia ("Evercentr," "we," "us").

These Terms of Service ("Terms") are an agreement between you and Evercentr, the operator of Plum Violin (the "Service"). By creating an account or using the Service you agree to these Terms. If you do not agree, do not use the Service.

1. What Plum Violin is, and is not

Plum Violin is a planning tool. It organizes the debts, budget figures, and payment records that you type in, and it models debt payoff using the Crescendo Method, a smallest-balance-first approach.

• We are not a bank, lender, credit counselor, debt settlement company, financial advisor, or payment processor.
• The Service never connects to your bank or creditor accounts and never moves money. Recording a payment in Plum Violin does not pay anyone. You pay your creditors through your own channels.
• Projections, payoff dates, and interest estimates are illustrative, based only on the figures you enter and simplified assumptions. Your actual statements govern. Always confirm minimum payments and due dates with your creditors.
• Nothing in the Service is financial, legal, or tax advice. Consider consulting a qualified professional about your situation.

2. Eligibility and your account

You must be at least 18 years old and able to form a binding contract to use the Service. You are responsible for keeping your login credentials confidential and for all activity under your account. Tell us promptly through the support page if you believe your account has been compromised.

3. Free trial, membership, and billing

• New accounts receive a free trial of 7 days from signup. No payment method is required to start the trial.
• After the trial, editing features require a paid membership. Your data remains available in read-only mode, and you can export or delete it at any time.
• Membership is billed in advance on a recurring monthly or yearly basis at the price shown at checkout. If you subscribe during your trial, billing begins when the trial ends.
• Payments are processed by Stripe. We do not store your full card number.
• You can cancel anytime from Account & billing. Cancellation stops future renewals; your membership stays active until the end of the period you already paid for. Except where required by law, payments are non-refundable.
• We may change prices with at least 30 days' notice by email or in the Service. Changes apply at your next renewal.
• The membership fee is for access to the Service only. It is entirely separate from any amounts you owe your creditors.

4. Your data

You own the information you enter. You grant us a limited license to store and process it solely to provide the Service to you. Our Privacy Policy explains what we collect and how we use it. You can export your data as a file or delete your account (which permanently deletes your plan) from Account & billing.

5. Acceptable use

You agree not to:

• use the Service for any unlawful purpose or to violate anyone else's rights;
• attempt to access other users' accounts or data, probe or disrupt our systems, or bypass access controls or payment requirements;
• copy, resell, scrape, reverse engineer, or create derivative works from the Service except as permitted by law;
• upload malicious code or use automated tools to overload the Service.

6. Intellectual property

The Service, including its software, design, text, videos, and the Plum Violin name and logo, is owned by Evercentr Digital Technologies, LLC or its licensors and is protected by intellectual property laws. These Terms do not grant you any rights in it other than the limited right to use the Service.

7. Availability and changes

We work hard to keep the Service available and accurate, but we do not guarantee uninterrupted or error-free operation. We may add, change, or remove features, and we may suspend or terminate accounts that violate these Terms. If we discontinue the Service, we will give reasonable notice and an opportunity to export your data.

8. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT FOLLOWING ANY PLAN PRODUCED BY THE SERVICE WILL RESULT IN ANY PARTICULAR FINANCIAL OUTCOME.

9. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, EVERCENTR DIGITAL TECHNOLOGIES, LLC AND ITS OFFICERS, MEMBERS, EMPLOYEES, AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA, OR GOODWILL, ARISING FROM YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID US IN THE TWELVE MONTHS BEFORE THE CLAIM OR ONE HUNDRED U.S. DOLLARS (US$100). Some jurisdictions do not allow certain limitations, so some of these may not apply to you.

10. Indemnity

You agree to defend and indemnify Evercentr Digital Technologies, LLC from claims, damages, and expenses (including reasonable attorneys' fees) arising from your misuse of the Service or violation of these Terms.

11. Governing law and disputes

These Terms are governed by the laws of the State of Georgia and the United States, without regard to conflict-of-law rules. Before filing a claim, you agree to contact us through the support page and give us 30 days to try to resolve the issue informally. Any dispute that cannot be resolved informally will be brought in the state or federal courts located in Fulton County, Georgia, and you consent to their jurisdiction. Either party may instead bring an eligible claim in small claims court.

12. Changes to these Terms

We may update these Terms from time to time. If a change is material, we will notify you by email or a notice in the Service at least 14 days before it takes effect. Continuing to use the Service after the effective date means you accept the updated Terms.

13. Contact

Evercentr Digital Technologies, LLC
10 Glenlake Parkway, Suite 130 #1010, Atlanta, GA 30328, United States
Questions: use our Support page