Terms & Conditions

Last updated: September 13, 2026

This covers both getloulen.com and the Loulen app.

1. Agreement to Terms

These Terms & Conditions ("Terms") are a legal agreement between you and Loula Design Company LLC ("Loulen," "we," "us") governing your use of the Loulen website and mobile application (together, the "Service"). By creating an account or otherwise using the Service, you agree to these Terms. If you don't agree, don't use the Service.

2. Who can use Loulen

You must be at least 18 years old (or the age of legal majority in your jurisdiction) to create a Loulen account. By creating an account, you confirm that you meet this requirement and that the information you provide is accurate.

3. Your account

  • You're responsible for keeping your login credentials confidential and for all activity under your account.
  • You agree to provide accurate information and to keep it up to date.
  • Notify us immediately at support@getloulen.com if you suspect unauthorized access to your account.

4. What Loulen is, and isn't

Loulen is a bill-tracking and reminder tool. It helps you record bills, due dates, and payment status, and to share that information with household members you invite. Loulen:

  • Is not a bank, a payment processor, or a money-transmission service. Loulen does not move money on your behalf.
  • Does not provide financial, tax, legal, or investment advice. Reminders and insights in the app are informational only.
  • Relies on information you enter - we're not responsible for missed payments, late fees, or other consequences resulting from inaccurate data, a missed notification, or your own failure to act on a reminder.

5. Household sharing

If you join or create a shared household, you're choosing to share the bill and payment data associated with that household with the other members you invite (or who invite you). You're responsible for who you invite. Removing yourself from a household does not retroactively delete data other members have from the time you were a member.

6. Subscriptions and billing

  • Loulen offers a free tier and a paid "Premium" subscription with additional features, as described on our Pricing page.
  • Paid subscriptions are billed through the Apple App Store or Google Play, and are subject to their respective payment terms, auto-renewal policies, and refund policies - Loulen does not directly process your payment or control their refund decisions.
  • You can cancel a subscription at any time through your Apple ID or Google Play account settings; cancellation takes effect at the end of the current billing period.
  • Prices are subject to change; we'll give you reasonable notice before a price increase takes effect for existing subscribers, as required by the applicable app store's policies.

7. Acceptable use

You agree not to:

  • Use the Service for any unlawful purpose, or to violate any law or regulation.
  • Attempt to gain unauthorized access to any part of the Service, other users' accounts, or our systems.
  • Upload malicious code, or content that infringes someone else's intellectual property or privacy rights (for example, in the Bill Vault document-storage feature).
  • Reverse-engineer, scrape, or resell the Service without our written permission.

8. Your content

You retain ownership of the bill data, documents, and receipts you upload to Loulen ("Your Content"). You grant us a limited license to host, store, and display Your Content back to you (and, where applicable, your household members) solely to provide the Service. You're responsible for having the right to upload any document you attach.

9. Intellectual property

The Loulen name, logo, and the app and website themselves (excluding Your Content) are owned by Loula Design Company LLC and protected by intellectual property laws. These Terms don't grant you any rights to our trademarks or branding beyond using the Service as intended.

10. Termination

You can stop using Loulen and delete your account at any time from within the app. We may suspend or terminate your access if you violate these Terms, or if we discontinue the Service, with notice where reasonably possible.

11. Disclaimers

The Service is provided "as is" and "as available," without warranties of any kind, express or implied, including - to the extent permitted by law - implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We don't guarantee the Service will be uninterrupted, error-free, or that reminders will always be delivered on time.

12. Limitation of liability

To the maximum extent permitted by law, Loulen and its officers, employees, and partners will not be liable for any indirect, incidental, special, consequential, or punitive damages - including late fees, missed payments, or lost data - arising from your use of the Service. Our total liability for any claim relating to the Service is limited to the amount you paid us, if any, in the 12 months before the claim arose.

13. Governing law

These Terms are governed by the laws of the State of Minnesota, without regard to conflict-of-law principles.

14. Dispute resolution & arbitration

Please read this section carefully - it affects your legal rights and requires most disputes to be resolved through individual arbitration rather than in court.

Any dispute, claim, or controversy arising out of or relating to these Terms or your use of the Service will be resolved through binding arbitration on an individual basis, administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules then in effect (available at adr.org), rather than in court - except as set out below.

  • No class actions. You and Loulen each agree to bring claims only in an individual capacity, not as a plaintiff or class member in any purported class, collective, or representative proceeding. The arbitrator has no authority to arbitrate any claim on a class or representative basis.
  • Small claims court is still available. Either party may instead bring a qualifying individual claim in small claims court in lieu of arbitration.
  • Costs. AAA's Consumer Arbitration Rules cap the filing fee a consumer pays and place the remaining administrative and arbitrator fees on Loulen, consistent with AAA's Consumer Due Process Protocol.
  • Severability. This agreement to arbitrate is governed by the Federal Arbitration Act. If any part of this section is found unenforceable, the rest remains in effect - except that the class-action waiver above may not be severed from the duty to arbitrate individually. If the class-action waiver is found unenforceable, this entire arbitration section is void and the dispute will proceed in court instead.

15. Changes to these Terms

We may update these Terms from time to time. If we make material changes, we'll update the "Last updated" date above and, where appropriate, notify you directly. Continuing to use the Service after changes take effect means you accept the updated Terms.

16. Contact us

Questions about these Terms? Email us at support@getloulen.com.