What YNAB's terms say
YNAB's terms of service and privacy policy have 38 rated points: 1 serious, 5 bad, 22 worth knowing and 10 good. 30 apply whenever you use the site, signed in or not; 8 only once you have an account.
Whenever you use YNAB
Bad 4
Third-party cookies are employed, but with opt out instructions
This service employs third-party cookies, but with opt-out instructions
Where it says this ↗Some personal data may be kept for business interests or legal obligations
This service may keep personal data after a request for erasure for business interests or legal obligations
Where it says this ↗Third-party cookies are used for advertising
Where it says this ↗Your personal data may be sold or otherwise transferred as part of a bankruptcy proceeding or other type of financial transaction
Where it says this ↗
Worth knowing 17
You agree to defend, indemnify, and hold the service harmless in case of a claim related to your use of the service
Where it says this ↗The court of law governing the terms is in location X
Where it says this ↗Your personal data may be aggregated into statistics
Your personal data is aggregated into statistics
Where it says this ↗Harming minors in any ways is prohibited
Where it says this ↗Spidering, crawling, or accessing the site through any automated means is not allowed
Where it says this ↗Your IP address is collected, which can be used to view your approximate location
Where it says this ↗Invalidity of any portion of the Terms of Service does not entail invalidity of its remainder
Where it says this ↗No warranty is made regarding an uninterrupted, timely, secure and/or error-free experience
The service provider makes no warranty regarding uninterrupted, timely, secure or error-free service
Where it says this ↗Failure to enforce any provision of the Terms of Service does not constitute a waiver of such provision
Where it says this ↗This service is only available for use individually and non-commercially
This service is only available for use individually and non-commercially.
Where it says this ↗There is a date of the last update of the agreements
Where it says this ↗The service is provided 'as is' and to be used at your sole risk
Where it says this ↗You agree not to use the service for illegal purposes
Where it says this ↗The terms may be changed at any time, but you will receive notification of the changes
Where it says this ↗You are responsible for any risks, damages, or losses that may incur by downloading materials
Where it says this ↗The service assumes no liability for any damages the user incurs
This service assumes no liability for any losses or damages resulting from any matter relating to the service
Where it says this ↗No guarantee is made reguarding the accuracy and/or reliability of the information provided
The service does not guarantee accuracy or reliability of the information provided
Created by Docbot version v3
Where it says this ↗
Good 9
This service claims that your personal data is not being sold
This service does not sell your personal data
Where it says this ↗You can request access, correction and/or deletion of your data
You can request access and deletion of personal data
Where it says this ↗Information is provided about security practices
Where it says this ↗Your personal data is used for limited purposes
Where it says this ↗The service claims to be CCPA compliant for California users
Where it says this ↗Logs are deleted after a finite period of time
Where it says this ↗The service claims to be GDPR compliant for European users
Where it says this ↗The data retention period is kept to the minimum necessary for fulfilling its purposes
Where it says this ↗Refusing tracking cookies won’t limit your ability to use the service
Tracking cookies refused will not limit your ability to use the service
Where it says this ↗
If you have a YNAB account
Serious 1
Specific content can be deleted without reason and may be removed without prior notice
Where it says this ↗
Bad 1
Your account can be deleted or permanently suspended without prior notice and without a reason
Your account can be deleted without prior notice and without a reason
Where it says this ↗
Worth knowing 5
This service is only available to users over a certain age
This service is only available to users of a certain age
Where it says this ↗You are prohibited from sending chain letters, junk mail, spam or any unsolicited messages
Where it says this ↗You are prohibited from posting content which promotes violence or politically or religiously extremist values
You are prohibited from posting content which promotes violence or politically or religiously extremist values.
Where it says this ↗You must report to the service any unauthorized use of your account or any breach of security
Where it says this ↗The posting of pornographic content is prohibited
Where it says this ↗
Good 1
You can delete your content from this service
Where it says this ↗
The documents
Ratings by ToS;DR volunteers; they can lag behind the current terms. Not legal advice.