Last updated: May 7, 2026
These Terms of Service ("Terms") form a binding agreement between you ("you", "your") and Luis Vega, a sole proprietor based in the Republic of the Philippines, doing business as "Billmux" ("Billmux", "we", "us", "our"), governing your access to and use of the Billmux mobile application, website at billmux.com, and related services (collectively, the "Service").
By creating an account, downloading the app, or otherwise using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy. If you do not agree, do not use the Service.
Billmux is a personal bill-tracking tool. It lets you record recurring bills (such as billers, amounts, and due dates), view upcoming obligations, and receive reminders within the app.
What Billmux is not. Billmux is not a bank, payment processor, financial advisor, accountant, or money-transmission service. Billmux does not:
You are solely responsible for paying your bills accurately and on time, and for the accuracy of any information you enter.
You retain all rights to the data you enter into the Service, including billers, amounts, due dates, and notes ("Your Content").
You grant Billmux a worldwide, non-exclusive, royalty-free license to host, store, reproduce, transmit, and display Your Content solely as necessary to operate, maintain, and provide the Service to you, to create backups, and to comply with legal obligations. We do not sell Your Content, share it with advertisers, or use it to train machine-learning models.
You represent that you have all rights necessary to submit Your Content and that it does not infringe or violate the rights of any third party or any law.
You agree that you will not:
The Service, including all software, designs, text, graphics, logos, and trademarks (other than Your Content), is owned by Billmux or its licensors and is protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service in accordance with these Terms. No other rights are granted, expressly or by implication.
If you provide feedback, suggestions, or ideas about the Service, you grant us a perpetual, irrevocable, royalty-free license to use them without restriction or compensation.
The Service relies on third-party services to function, including Google Sign-In, Apple Sign-In, and our hosting and infrastructure providers. We are not responsible for the availability, accuracy, or practices of any third party. Your use of those services is governed by the third party's own terms and privacy policies.
The Service is currently offered free of charge. We reserve the right to introduce paid features, change pricing, or modify, suspend, or discontinue any part of the Service at any time. Where reasonably practicable, we will give you advance notice in the app or by email before making material changes.
To the fullest extent permitted by applicable law, the Service is provided "AS IS" and "AS AVAILABLE", without warranties of any kind, express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, and quiet enjoyment.
We do not warrant that:
You should not rely on Billmux as your sole or authoritative record of your financial obligations. Always keep your own records and verify due dates and amounts directly with your billers.
Nothing in these Terms excludes or limits any non-waivable rights you have under the Consumer Act of the Philippines (R.A. 7394) or other applicable mandatory consumer-protection laws.
To the maximum extent permitted by applicable law, in no event will Billmux, its operator, or any of its suppliers be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, savings, data, goodwill, or business opportunity, arising out of or related to your use of (or inability to use) the Service, even if advised of the possibility of such damages.
This includes, without limitation, any losses arising from missed payments, late fees, penalties, interest charges, account closures, credit-score impacts, or service interruptions.
Our aggregate liability for any and all claims arising out of or relating to these Terms or the Service is limited to the greater of (a) the total amounts you have paid us in the twelve (12) months preceding the event giving rise to the claim, or (b) one hundred US dollars (US$100). For users on the free tier, the amount paid is zero.
These limitations apply regardless of the legal theory on which the claim is based (contract, tort, statute, or otherwise) and even if a remedy fails of its essential purpose.
You agree to indemnify, defend, and hold harmless Billmux and its operator from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with: (a) your access to or use of the Service; (b) Your Content; (c) your violation of these Terms; or (d) your violation of any law or the rights of any third party.
You may stop using the Service at any time. You may permanently delete your account and all associated data from inside the app (Settings → Delete Account).
We may suspend or terminate your account, with or without notice, if we reasonably believe that you have violated these Terms, that your use poses a security, legal, or reputational risk, or that we are required to do so by law. Sections 4 (license to us, with respect to backups retained as required), 6, 9, 10, 11, 14, and 15 survive termination.
We may revise these Terms from time to time. If we make material changes, we will update the "Last updated" date above and, where appropriate, give you notice in the app or by email before the changes take effect. Your continued use of the Service after the effective date constitutes your acceptance of the revised Terms. If you do not agree, you must stop using the Service and may delete your account.
These Terms are governed by and construed in accordance with the laws of the Republic of the Philippines, without regard to its conflict of laws principles. You and Billmux agree to submit to the exclusive jurisdiction of the proper courts of Makati City, Philippines, for the resolution of any dispute arising out of or relating to these Terms or the Service, except where applicable law gives you a non-waivable right to bring proceedings in the courts of your place of residence.
If you obtained the Billmux app from the Apple App Store, you acknowledge that these Terms are between you and Billmux only, and not with Apple Inc. ("Apple"). Apple is not responsible for the app or its content. Apple has no obligation to provide maintenance or support for the app. In the event of any failure of the app to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any); to the maximum extent permitted by law, Apple has no other warranty obligation with respect to the app. Apple is not responsible for addressing any claims by you or any third party relating to the app, including product-liability claims, claims that the app fails to conform to any applicable legal or regulatory requirement, or claims under consumer-protection or similar legislation. In the event of any third-party claim that the app or your use of it infringes that third party's intellectual property rights, Apple is not responsible for the investigation, defense, settlement, or discharge of such claim. You represent that you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and that you are not listed on any U.S. Government list of prohibited or restricted parties. Apple and its subsidiaries are third-party beneficiaries of these Terms and, upon your acceptance, will have the right to enforce them against you.
Billmux is operated by Luis Vega (sole proprietor), Philippines.
Mailing address: [INSERT PHYSICAL ADDRESS]
Email:
support@billmux.com