Terms of use
Effective November 10, 2026
The short version: BET helps you keep track of your spending in ledgers that live in your own Google Drive. They’re yours. BET isn’t financial advice, so check the numbers that matter against your bank. BET Plus is optional; it renews until you cancel, and its AI can get things wrong.
Who we are and these terms
BET (“Budget Expense Tracker”) is made by Happy Heart Software LLC, doing business as Happy Heart Software (“we”, “us”). These terms cover BET on the web (bet.happyheartsoftware.com) and in its Android app. They add to our company Terms of Use, which also apply, and win where the two differ. By using BET, you agree to both. If you don’t agree, please don’t use BET.
Your ledgers are yours
- Your ledgers, their receipts and settings are Google Sheets and files in your own Google Drive. We don’t claim any rights to them, and BET has no copy on its server. Google’s terms apply to your Google account and Drive, including its storage limits.
- BET keeps a working copy in your browser so it works offline, and syncs it with your Drive. Signing out of BET deletes that copy, so let your changes sync first: changes that haven’t synced yet are lost.
- Deleting a ledger’s spreadsheet or the “BET” folder in your Drive deletes it for good, unless Google lets you restore it.
Sharing a ledger
When you share a ledger, the people you choose can see it and its receipts, and change them if you let them edit. You decide who has access, and you can change it at any time in BET or in Google Drive. Please only share with people you trust, and only add other people’s information to a ledger when you’re allowed to.
Not financial advice
BET and its Learn budgeting lessons are general information to help you keep track of your money. They aren’t financial, tax or legal advice. For advice about your own situation, talk to a qualified, trustworthy professional, such as a nonprofit credit counselor.
BET adds up what’s in your ledgers, and what’s in your ledgers comes from you, your imports and your bank. Imports, recurring entries and syncing between devices or people editing at the same time can sometimes go wrong, so check the totals that matter against your bank and card statements before you rely on them.
Bank connections and other services
- Connecting your bank uses SimpleFIN Bridge, a separate service you sign up for under its own terms. BET only reads transactions through it and can’t move money. Banks and SimpleFIN decide what they share and when, so an import may miss or repeat a transaction.
- If you read receipts with your own Anthropic API key, Anthropic’s terms apply to that key, and its use is billed to your Anthropic account, not by us.
- Reading receipts “on this device” downloads an AI model to your device. It needs a capable device and can be slow.
BET Plus
BET Plus is an optional paid add-on whose AI reads receipts and suggests categories for your transactions. It’s sold through Happy Heart Plus, and the “Paid features and Happy Heart Plus” section of our Terms of Use covers buying it. In short:
- “Get BET Plus” opens Happy Heart Plus’s pages (plus.happyheartsoftware.com), where checkout is handled by Polar, our payment provider. The price is shown before you buy. BET Plus uses a Happy Heart Software account, separate from your Google sign-in.
- It renews until you cancel. You can cancel at any time from “Manage BET Plus”, and you keep BET Plus until the end of the period you paid for.
- A free trial, when offered, is once per person. If you don’t cancel before it ends, the subscription starts and you’re charged.
- BET Plus includes AI credits each month. Unused ones don’t carry over.
- AI can misread a receipt or suggest the wrong category. BET fills in what it read for you to check before you save, and only the suggestions you apply are written to your ledger, so look them over first.
- Nothing goes to Plus until you ask for it. Our privacy policy explains exactly what’s sent.
If something went wrong with a purchase, email us and we’ll do our best to put it right.
Using BET fairly
Please don’t misuse BET or the services behind it: don’t try to disrupt or overload them, get around BET Plus’s limits or payments, use BET to get at files or accounts that aren’t yours, or use it for anything unlawful.
Children
BET isn’t meant for children under 13.
Changes
We may change BET and these terms from time to time. When we change these terms, we’ll post the new version here and update the date at the top. Continuing to use BET means you accept the updated terms.
Contact
Questions about these terms? Email contact+bet@happyheartsoftware.com.