Terms of Service

1. Beta service

AccountHouse is offered as a curated beta. Access is by invitation or approved interest registration. We may approve, delay, or decline requests. Features may change, be limited, or be withdrawn without prior notice. Uptime, performance, and data continuity are not guaranteed during beta.

Beta participation is personal to the household and accounts we approve. You may not resell, sublicense, or publicly redistribute access credentials.

2. What you may use AccountHouse for

You may use AccountHouse only for lawful household and personal finance tracking for your own household (or a household you are invited into), including:

• Recording expenses, income, budgets, payables, and related household activity
• Split groups for shared costs among people you invite
• DocuVault, cards, goals, net-worth registry, calendar reminders, and similar modules for your household
• Collaboration among household members under the roles you assign (admin, member, viewer)

AccountHouse is a tracking and organisation tool. It is not a bank, payment processor, remittance service, tax advisor, or investment advisor. You remain responsible for verifying figures and for any decisions you make using the product.

3. Acceptable use and abuse

You agree not to misuse the service. Prohibited conduct includes, without limitation:

• Attempting to access another household’s data or another user’s account
• Sharing passwords, session tokens, or 2FA codes, or bypassing authentication controls
• Credential stuffing, brute-force sign-in attempts, scraping, or automated abuse
• Uploading malware, illegal content, or material you do not have rights to store
• Interfering with the service, other users, or our infrastructure
• Using the beta for production-critical legal, regulatory, or high-stakes financial reliance without independent verification
• Impersonation, harassment, or using the product for unlawful activity

We may investigate suspected abuse using security logs, session metadata, and related signals described in the Privacy Policy. Confirmed or reasonably suspected abuse may result in warnings, feature limits, security locks, suspension, or permanent removal from the beta.

4. What AccountHouse costs

Plans. AccountHouse is offered as three plans: AH Split on its own, for sharing costs in groups; household management, for a household’s spending, budgets, income and bills; and both together, which costs less than the two bought separately. Each plan is paid monthly or yearly, and a year costs less than twelve months.

People. A household plan covers the household and its first two people, the owner included. Each additional person, from the third, adds the amount in the last column of the table below, for the same period. AH Split on its own is for one person and has no members.

Prices by region. Prices are set separately for each region, in that region’s currency — they are not conversions of one another. When you register we show you the prices for the country we place you in from your connection and device; where we cannot place you in one of the regions below, you see the prices for everywhere else, in US dollars. The prices in force today are:

Customers in the United Arab Emirates pay in UAE dirhams (AED). Prices include VAT.

Customers in India pay in Indian rupees (INR).

Customers in the United States and everywhere else pay in US dollars (USD).

A household plan covers 2 people, the owner included; each person beyond that adds the amount in the last column, for the same period. AH Split on its own has no members. These are the prices of price list 2, in force from 7 October 2026.

We show you the amount for your household — for the plan, the period and the number of people — before you register, record it with your registration, and tell you it again before you are charged anything.

Offers on a registration link. An invitation or campaign link may offer a free trial, a price of its own, or free access instead of the prices above. What a link offers is shown on the registration form and recorded with your registration, and the terms shown to you are the terms you get.

How it is paid. Where your registration link asks for payment, you pay online straight after submitting the form, on the page of our payment provider, Ziina. The amount is worked out from the number of people in your household — everyone who lives in it, and never fewer than the people getting an account — and is shown to you before you pay. AccountHouse itself never asks for, sees or stores your card details. Where a link does not ask for payment, what a household owes is arranged with us directly, against the term recorded on its account.

Refunds. Refunds are available on request. Ask by raising a support request in AccountHouse, or by emailing support@theaccounthouse.com, and quote the receipt reference from your payment email. A refund is paid back to the card you paid with, through the same payment provider; how long it takes to appear depends on your bank. We confirm by email when it has been issued.

Your term, and what happens at the end of it. Access runs for the term on your account. Before it ends we email you; if it ends without being renewed your household keeps signing in for a short grace period, during which AccountHouse is read-only — you can still read everything and export it, but not add to it. After that, access is refused until the term is renewed. Nothing is deleted because a term lapses. Your household’s records stay as they are and renewing restores the household as it was. Deleting your account is a separate, deliberate step you take yourself in Settings.

Changes to the price. We may change these prices or introduce other plans. Before a change applies to your household we will tell you by email and in the product — what is changing, what it will cost, and from when — with an opportunity to accept it or to stop. You will not be moved silently onto a different price, and a change never applies to a term you have already paid for. To stop, tell us before your term renews, through the contact route in section 13.

5. Locks, suspension, and how we communicate

AccountHouse includes security and operational controls that can limit access:

• Account security lock — may be applied automatically or by operators when sign-in activity looks abusive or compromised. Normal access is blocked until recovery completes through the email recovery path we provide.
• Session revoke — you or we may end active sessions; you can revoke other devices from Settings on web or mobile.
• Beta suspension or removal — we may suspend or terminate beta access for abuse, inactivity, capacity limits, or operational reasons.
• Household admin controls — household administrators may deactivate or limit members within their household.

Communication. When we lock, suspend, or withdraw access for security or policy reasons, we will endeavour to notify the affected account by email (and, where available, in-product or push notice), except where notice would compromise an investigation or is legally restricted.

6. Beta usage review and administrator questions

Because AccountHouse is a curated beta, system administrators (our operators) may contact household admins or account holders to ask about usage. You agree to respond to reasonable beta-related questions in good faith.

Failure to respond after reasonable notice, or answers that confirm misuse, may lead to limits, suspension, or removal from the beta.

Operational review is separate from law-enforcement or legal process requests, which we handle as required by applicable law and as described in the Privacy Policy.

7. Accounts, roles, and your responsibilities

• Keep credentials confidential; enable 2FA where appropriate.
• Provide accurate registration and contact details so we can reach you about locks or beta changes.
• Ensure you have rights to upload documents and to invite the people you add.
• Household admins configure roles and permissions; misuse by an invited member may still affect the household’s beta standing.

8. Financial disclaimer

Dashboards, health scores, forecasts, Split balances, alerts, and exports are informational. They may contain errors or delays. AccountHouse does not provide financial, tax, or legal advice. You are solely responsible for decisions made using the service.

9. Intellectual property

AccountHouse, its software, branding, and documentation remain our property (or that of our licensors). You retain rights to the content you enter. You grant us a limited licence to host and process that content solely to operate the beta and as described in the Privacy Policy. Where your household owner has turned on ForeSense receipt-price sharing, that licence additionally covers deriving de-identified price observations from the product lines on receipts you scan, and using those observations — which identify no person, account or household — to produce price estimates for households of the service. That permission lasts only while sharing is switched on; observations already derived are not reclaimable, because there is nothing in them that identifies whose receipt they came from. De-identified is not the same as untraceable in every case: where very few households in a market are sharing, someone who separately holds a copy of one of your receipts could in principle match it to a shared price (see Household isolation in the Privacy Policy for the limits of that guarantee). We do not sell them.

10. Availability and “as is”

The beta is provided as is and as available. To the fullest extent permitted by law, we disclaim warranties of uninterrupted access, fitness for a particular purpose, and non-infringement. We are not liable for lost profits, lost data, or indirect damages arising from beta use, except where liability cannot be excluded by law.

11. Ending access

You may stop using AccountHouse at any time. Household admins may deactivate members. We may end or refuse beta access as described above. After access ends, we may delete or anonymise household data after a retention period consistent with the Privacy Policy, except where we must keep records for security or legal reasons.

12. Changes to these terms

We may update these terms as the beta evolves or before a paid launch. We will update the “Terms last updated” date and version references on this page. Continued use after an update constitutes acceptance of the revised terms for beta participation. If you do not agree, stop using the service and contact us to withdraw.

13. Who we are, and how to contact us

AccountHouse is operated by IA Systems, based in Dubai, United Arab Emirates. These terms are an agreement between you and IA Systems.

Questions about these terms, locks, or beta usage reviews: write to support@theaccounthouse.com or use the contact form, or ask your household administrator. Security incidents should be reported to the same address as soon as practicable.