Everbind

Terms of Service

Effective 23 September 2026 · Loadcircle Ltd

1. Agreement to these Terms

These Terms form a binding agreement between you and Loadcircle Ltd ("we", "us", "our") governing your use of the Everbind application and this website (together, the "Service"). By installing or using Everbind you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

2. What Everbind is, and what it is not

Everbind is a record-keeping tool. It stores what you enter about your affairs, and it can gather that into a document you hand to somebody. It is a binder, and nothing more than a binder.

• It is not a will, and it does not make one. Writing your wishes in Everbind does not create, amend or revoke a will, a trust or any other legal instrument, and it does not give anything to anybody. Whatever is needed to make your wishes legally effective must be done separately, with the formalities the law requires.
• It is not legal, financial, tax or medical advice. Everbind does not tell you what to record, who to tell, or what any of it means. It is not a solicitor, an executor, an accountant, a valuer, an insurer or a broker.
• It is not a password manager. Everbind deliberately never stores passwords. It records only where a login lives, and it should never be used as the place a password itself is kept.
• It is not a backup service, and it is not on the internet. Everything you record is on your device alone. There is no copy with us, and no copy anywhere else.
• Figures are yours. Every amount in Everbind is one you typed in. The app adds up what you entered; it does not verify, appraise or estimate anything.

3. Your binder, and keeping it

Everything you enter belongs to you. It is stored only on your device, in the app's private storage, encrypted (see the Privacy Policy). Three consequences follow, and they matter:

• Keep your own devices safe. Encryption protects the binder from being read off the phone. It does not protect a phone that is unlocked and in someone else's hands, and it does not let us help you if the key is lost.
• If the device is lost, damaged or reset, the binder goes with it and we cannot recover it, because we never had it. If the record matters to you, prepare the hand-over document and keep it somewhere you trust.
• The Service is provided as-is. We do not guarantee that any record will be preserved.

4. Price, payment and ownership

You can build the whole binder, in every section, and keep it on your phone, for nothing, for as long as you like. The hand-over document is what is bought, once.

• Two ways to pay, one ownership. You can pay once, or you can pay in three payments of equal size. Either way, when the full price has been paid the binder is yours for good.
• It is not a subscription. Nothing renews, nothing recurs, and there is nothing to cancel. Ownership does not expire.
• The three-payment route costs more in total than paying once. That is the price of splitting it, and it is shown plainly in the app before you choose.
• Part-payments are not lost. If you pay one or two of the three and stop, nothing is forfeited: each payment is recorded by Google Play against your Google account, and the payments you have already made count towards ownership whenever you come back — on the same phone, a new phone, or after reinstalling.

5. Purchases, refunds and your statutory rights

All purchases are made from Google Play and are subject to Google's terms and refund policy, as well as to any rights you have under the consumer law of your country. Because the document is digital content supplied immediately, a right to cancel within a set period may not apply once it has been supplied, but your statutory rights are not affected by these Terms, and nothing here takes them away. If a purchase fails to unlock what you paid for, contact us and we will put it right or arrange a refund.

6. Licence

We grant you a limited, non-exclusive, non-transferable, revocable licence to use Everbind for your own personal or household purposes, on devices you own or control. The app, its design, text and graphics are owned by Loadcircle Ltd or its licensors and are protected by intellectual-property law. You may not resell, sublicense, or redistribute the app, or reverse engineer it except as permitted by law.

7. Acceptable use

You agree to use Everbind lawfully, and in particular not to use it to record or transmit information you have no right to hold, or to further any fraudulent or unlawful purpose. You are responsible for what you put in your binder and for who you give the hand-over document to.

8. No warranty

To the maximum extent permitted by law, the Service is provided without warranties of any kind, express or implied, including fitness for a particular purpose and non-infringement. We do not warrant that the app will be uninterrupted or error-free, that any record will be preserved, or that anything you write will have any particular legal effect. Nothing in these Terms excludes or limits rights you have as a consumer under applicable law that cannot be excluded, or our liability for death, personal injury, fraud, gross negligence or wilful misconduct.

9. Limitation of liability

To the maximum extent permitted by law, neither party is liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, revenue or data, even if advised of the possibility; and our total aggregate liability arising out of or relating to the Service is limited to the greater of the amounts you paid us for the Service in the 12 months before the claim arose, or GBP 50. This section does not apply where prohibited by applicable law, including your mandatory consumer rights.

10. Changes to the Service and to these Terms

We may update the app and these Terms. If a change is material and reduces your rights, we will publish the revised Terms here with a new effective date before it takes effect. Continued use after that date constitutes acceptance; if you do not agree, stop using the app and uninstall it.

11. Governing law

These Terms are governed by the laws of England and Wales, without regard to conflict-of-laws rules. Before filing a claim, please contact us at the address below and give us 30 days to resolve it informally. Subject to any non-excludable consumer rights, the courts of England and Wales have exclusive jurisdiction.

12. Contact

Loadcircle Ltd, England and Wales · francis@loadcircle.co.uk