Copyright Notice

Last Updated: January 3, 2025

Copyright Ownership

The Everyday Money Tools application, website, and all related materials, including but not limited to software code, design elements, user interface, graphics, logos, text, and documentation, are protected by copyright laws and international treaty provisions.

Ownership

This application and all intellectual property rights therein are owned by:

H3N Technologies, LLC
Billoo.ai

Both entities retain joint ownership of all rights, title, and interest in and to the application.

License to Use

Subject to your compliance with these terms, we grant you a limited, non-exclusive, non-transferable, revocable license to:

Download and use the mobile application on your personal device
Access and use the web application through your web browser
Use the application for personal, non-commercial purposes

Restrictions

You may not:

Copy, modify, distribute, sell, or lease any part of the application
Reverse engineer or attempt to extract the source code of the application
Remove or alter any copyright, trademark, or other proprietary notices
Use the application for any commercial purpose without written permission
Reproduce or republish any portion of the application without authorization

Trademarks

The following are trademarks or service marks of H3N Technologies, LLC and Billoo.ai:

Everyday Money Tools
Billoo.ai
H3N Technologies

All other trademarks referenced in the application are the property of their respective owners.

Open Source Components

This application incorporates certain open-source software components. Each component is governed by its respective open-source license. A complete list of open-source components and their licenses is available in the application repository.

Third-Party Data Sources

The application uses data from the following third-party sources:

Federal Reserve Economic Data (FRED) - Mortgage rate benchmarks provided by the Federal Reserve Bank of St. Louis
Open Exchange Rates - Currency exchange rate data

This data is used in accordance with each provider's terms of service and licensing agreements.

DMCA Compliance

We respect the intellectual property rights of others. If you believe that your copyrighted work has been copied in a way that constitutes copyright infringement, please contact us at:

Email: legal@billoo.ai
Subject Line: DMCA Takedown Request

Updates to Copyright Notice

We may update this copyright notice from time to time. Any changes will be posted on this page with an updated revision date.

Contact Information

For questions about copyright or licensing, please contact:

H3N Technologies, LLC & Billoo.ai
Email: legal@billoo.ai
Website: billoo.ai

Governing Law

This copyright notice and any disputes arising from it shall be governed by the laws of the United States and the state in which H3N Technologies, LLC is registered, without regard to conflict of law principles.

Acknowledgment: By using Everyday Money Tools, you acknowledge that you have read, understood, and agree to be bound by this copyright notice.