Terms of Service

Actual · last updated 28 October 2026

These are the rules for using Actual. They're written to be read. Where they can't be plain, they're short.

Who these are with

Actual is made by Actual Software LLC, an Arizona limited liability company ("we", "us"). By using Actual on the web, on Android or anywhere else we offer it, you agree to these terms and to the Privacy Policy. If you don't agree, please don't use it.

You need to be at least 13 to use Actual. If you're under 18, a parent or guardian should agree to these terms with you.

Your account

An account is optional. Without one, everything stays on your device.
If you make one, keep your sign-in safe and tell us at [email protected] if you think someone else has used it.
You can delete your account at any time from Settings → Account → Delete account, or by following the account deletion page.

Your calendar is yours

Everything you put into Actual (blocks, to-dos, lists, notes, ratings) belongs to you. You give us only the permission we need to store it, sync it between your devices and send it to the people you choose to share with. We don't sell it, and we don't use it for advertising. You can export all of it at any time from Settings → Backups.

The free trial and plans

Every new account gets a free trial of all of Actual: 30 days, or 90 days for founding members. No card is needed. After the trial, carrying on planning needs a plan: monthly, yearly or lifetime. If you don't pick one, nothing is deleted: your calendar becomes read-only, you can still look back through it, and you can export everything at any time. One free trial per person: a trial started with another account's data or on a device that has already used one may end early.

Monthly and yearly plans renew automatically at the end of each period until you cancel. You can cancel at any time and keep using Actual until the end of the period you've paid for. We'll tell you at least 30 days before a price change affects your renewal.
Lifetime is a single payment for Actual for as long as we offer it, on every device you sign in to. If we ever stop offering Actual, we'll give at least 90 days' notice and make sure you can export everything you've recorded.
Founding-member offers (such as a longer trial or a lower lifetime price) apply as described when they're offered, to the account that claims them.
Purchases on the web are sold and handled by our payment partner, which acts as the seller, charges any sales tax or VAT, and issues your receipt. Purchases in the Android app go through Google Play under Google's terms.
Refunds are covered by our refund policy.

Using Actual fairly

Please don't misuse Actual: don't try to get into other people's accounts or data, overload or attack the service, get around the trial, payment or usage limits, reverse engineer it to copy it, resell it, or use it to send anyone anything unlawful, harassing or unwanted. We may suspend an account that does, after telling you why where we reasonably can.

The AI feature

"Sort rambles with AI" uses an AI model to split what you said into separate items. It can get things wrong, so you always see and approve the result before anything is added. It's optional, and it may have daily limits.

Keeping it running

We work hard to keep Actual available and your data safe, but no service is perfect. Actual is provided "as is" and "as available", without warranties of any kind, to the fullest extent the law allows. Keep a backup of anything you can't afford to lose. We may change, add or remove features, and we'll give notice before removing something you've paid for.

Limits on liability

To the fullest extent the law allows, we aren't liable for indirect, incidental, special or consequential losses, or for lost data, profits or opportunities, arising from your use of Actual. Our total liability for any claim about Actual is limited to the greater of the amount you paid us in the 12 months before the claim, or US$50. Some places don't allow these limits, so they may not all apply to you; nothing here takes away rights you have under consumer law that can't be waived.

Ending things

You can stop using Actual and delete your account at any time. We may close an account that breaks these terms. If we do, or if you delete your account, cloud copies are removed as the Privacy Policy describes, and anything on your own device stays there.

The law that applies

These terms are governed by the laws of the State of Arizona, USA, without regard to its conflict-of-law rules. Before anything formal, please write to us; most things are solved by an email. Any dispute that can't be settled that way will be heard in the state or federal courts located in Maricopa County, Arizona, or in small claims court where you live if it qualifies. If you live in the EU, UK or another place whose consumer law gives you the right to bring a claim at home, you keep that right.

Changes to these terms

If we change these terms in a way that matters, we'll update the date at the top and tell you in the app or by email before the change takes effect. Continuing to use Actual after that means you accept the new terms.

Contact

Actual Software LLC, 4539 N 22nd St #7781, Phoenix, AZ 85016, United States. [email protected].