The promise this document exists to keep: we will never withhold access to your own financial records as leverage.
On Windows, whatever happens to your licence — it expires, we cancel it, our servers vanish — you can always open DebitMate, read everything you have entered, and export it. On iPhone, anything you have entered stays yours to see and delete, subscribed or not. Nothing below should be read as permitting otherwise.
1. Which terms apply to which app
DebitMate is made by BeAlpha Group Limited, registered in England and Wales, company number 17391394, registered office 66 Paul Street, London, England, EC2A 4NA (“we”, “us”). It comes as two separate apps, supplied in two different ways.
DebitMate for iPhone
The iPhone app is distributed through Apple's App Store and licensed to you under Apple's standard Licensed Application End User License Agreement. Its subscription — 1 week free, then £2.99 a month — is sold, billed, renewed and refunded by Apple, under Apple's terms. Where this page describes licences, seats, licence checks or payments to us, it is describing the Windows app, not the iPhone app.
DebitMate for Windows
The rest of this page is the licence for the Windows app. It applies when you download, install or use DebitMate for Windows (“the software”).
If you are buying as a consumer, nothing in these terms affects your statutory rights under the Consumer Rights Act 2015 or the Consumer Contracts Regulations 2013.
2. What a Windows licence allows
We grant you a personal, non-exclusive, non-transferable licence to install and use the software for your own purposes — personal, household or your own business — on the number of computers your licence covers, for as long as the licence lasts.
We do not sell you the software itself; we license it. Everything in it apart from your own data remains ours.
3. Computers and seats
A Windows licence covers the Windows app only. It does not unlock the iPhone app, which is available only through its App Store subscription.
Every licence states the number of computers it covers — 2 on Pro, 3 on Lifetime.
Computers claim their places in the order they first check in, and the first computer on a licence keeps its place permanently. If a computer beyond your allowance appears, it is the newer one that is affected — never the machine you have been using all along.
Replacing a computer does not use one up permanently. Tell us and we will free the old one; this is routine and there is no charge for it. In the meantime the software keeps working: see the next section.
4. Licence checks and what they can do
When it has an internet connection, the Windows app confirms its licence with our server about once a day. The privacy page lists every field in that request; it contains nothing about your finances. The iPhone app makes no network requests of its own, so none of this section applies to it.
The check exists so that we can (a) stop a licence that has been refunded or charged back, (b) judge expiry against the real date rather than a computer's clock, and (c) see when one licence is being used on more computers than it covers.
We undertake the following, and they are binding on us:
- Being unable to check is never treated as a failed check. Offline, on a plane, or when our server is down, the software carries on exactly as before.
- The first computer on a licence is never disabled by a licence check, whatever the check finds.
- A computer beyond your allowance gets at least 30 days of warnings before any paid feature is affected, and the countdown starts once — reinstalling neither restarts it nor shortens it.
- Losing the paid features never means losing your data. Reading, searching and exporting everything you have entered continues to work regardless of licence state.
If we ever ceased trading and the licence server went away for good, the software would continue to work: your key is verified on your own computer, and an unreachable server is not a failure.
5. What is not allowed
You may not:
- share, resell, sublicense or publish your licence key;
- use one licence on more computers than it covers;
- modify the software, or work around the licence check, in order to use it unlicensed;
- remove or obscure our name or notices from it.
You may inspect the software, monitor what it sends, decompile it to the extent UK law permits, run it in a virtual machine, and make backup copies of it and of your own data. None of that is prohibited here.
6. Trials
DebitMate for Windows can be used free for 30 days from first launch with every feature enabled. There is nothing to cancel, no card is taken and no account is created. When the trial ends the paid features stop; everything you entered during it remains readable and exportable, permanently.
The iPhone app's free week is Apple's introductory offer on the subscription, and runs on Apple's terms: you are charged when it ends unless you cancel at least 24 hours before.
7. Paying, renewing and refunds
iPhone. The subscription is paid to Apple, renews each month until you cancel it in your iPhone's Settings, and is refunded — where a refund is due — by Apple, through reportaproblem.apple.com. We cannot take, renew or refund an App Store payment ourselves.
Windows. Prices are shown on the pricing page and include VAT where it applies. We will tell you the price before you pay.
Annual licences run for one year from issue and do not renew automatically. Nothing is taken from your card without you asking; when a licence is close to expiring we will tell you, and it is your decision.
Lifetime licences do not expire and cover every DebitMate 2.x release for Windows. If we ever release a version 3 that is a genuine rewrite rather than a renaming, that would be a separate purchase — and we would say so plainly rather than retiring your licence and calling it an upgrade.
Refunds for a Windows licence. Consumers have a 14-day right to cancel a purchase of digital content. We honour it in full and will not ask you to justify the request. Ask within 14 days of buying and we refund you and cancel the licence. Outside 14 days, ask anyway — if the software has not done what this site says it does, we would rather refund you than argue.
8. Your data
Everything you enter into DebitMate, on either app, is yours. It is kept on your own device, and in any backup or calendar of your own that you choose to put it in. We hold no copy and can obtain none. We therefore cannot recover it for you if you lose it, and cannot access it if asked to by anyone else — including under a court order, because it is not ours to produce.
Keeping your own backups is genuinely your responsibility. The Windows app exports full JSON backups and CSV files for exactly this reason.
9. Updates and support
While your Windows licence is live you receive every update we publish for the version you own, including security fixes, at no extra cost. The Windows app can install them itself or simply tell you they exist. iPhone updates come through the App Store.
Support is by email at info@debit-mate.com, for both apps. We aim to reply within one working day. We do not guarantee a response time, and we do not pretend to offer a 24-hour service we could not staff.
10. What we do and do not promise
We promise that the software will do what this website says it does, and that it is supplied with reasonable care and skill. If it does not, tell us: we will fix it, or refund you.
We do not promise that it is free of every defect, that it will run on every configuration of Windows or every iPhone, or that it will be available without interruption — the licence server is a website and websites go down, which is precisely why the software does not depend on it.
DebitMate is not financial advice. It presents your own figures and points out things worth noticing in them. It is not a regulated financial service, it does not know your circumstances, and decisions about your money remain entirely yours. Where a figure matters — for a tax return, a mortgage application, or a payment you are relying on — check it against your bank statement.
11. Liability
Nothing in these terms limits our liability for death or personal injury caused by our negligence, for fraud, or for anything else which cannot lawfully be limited.
Subject to that, and because this is inexpensive software rather than a managed service, our total liability to you in connection with the software is limited to the amount you paid us for it in the twelve months before the claim.
We are not liable for loss of data where you had no backup of your own, for financial decisions taken on the basis of figures in the app, or for indirect or consequential losses. If you are a consumer, we are still liable for losses that were a foreseeable result of us breaking these terms.
12. Ending a Windows licence
You may stop using the software at any time; delete it and the licence lapses.
We may suspend or cancel a licence if it was obtained fraudulently, if a payment is reversed, or if it is being used in clear breach of section 5 — for example, one key published publicly. Where we do, we will tell you why and give you a chance to put it right, unless it was plainly deliberate.
Cancelling a licence turns off the paid features. It does not, and cannot, prevent you reading and exporting your own records.
13. General
These terms are the whole agreement between us about the Windows software. If any part of them is found unenforceable, the rest continues to apply.
We may change these terms for new purchases, and will publish the date of any change at the top of this page. Changes do not apply retrospectively to a licence you have already bought, except where required by law.
These terms are governed by the law of England and Wales, and the courts of England and Wales have jurisdiction. If you live in Scotland or Northern Ireland you may also bring proceedings in your own courts.