Last updated: 19 April 2026
These Terms and Conditions (“Terms”) are a legally binding agreement between you and The Cosy People (“Company,” “we,” “us,” “our”), an Australian company, regarding your use of the Jotter mobile application (“App”) and any related services (collectively, the “Services”).
By downloading, installing, or using the App, you agree to be bound by these Terms. If you do not agree, do not use the App.
We reserve the right to update these Terms at any time. Changes take effect when posted. Your continued use of the App after changes are posted constitutes acceptance of the updated Terms.
You must be at least 13 years of age to use the App. If you are under 18 (or the age of majority in your jurisdiction), you must have your parent or guardian’s permission to use the App and they must agree to these Terms on your behalf.
Jotter is a personal finance tracking app that helps you log expenses, set budgets, track spending patterns, and build healthier financial habits. The App is designed for personal, non-commercial use.
The App is not a financial advisory service. It does not provide financial, investment, tax, or legal advice. Any spending insights, tips, or motivational content in the App are for informational and educational purposes only. You are solely responsible for your financial decisions.
You do not need to create an account to use the App. Your expense data, profile information, and preferences are stored locally on your device using Apple’s Core Data framework.
If you are signed in to iCloud, your data syncs automatically across your Apple devices via Apple’s CloudKit. This sync is managed by Apple and subject to Apple’s terms and privacy policy. We do not operate servers that store your personal data.
You are responsible for maintaining the security of your device and any data stored on it.
As of version 1.5, Jotter is sold as a one-time paid download through the Apple App Store. The purchase price is shown at checkout. Payment is processed by Apple; we do not receive or store your payment details.
Your one-time purchase entitles you to use the App on any Apple devices associated with your Apple ID, in accordance with Apple’s Family Sharing and “Purchased” download rules. Features included in the App at the time of your purchase are yours to use. Future feature additions are at our discretion and may or may not be included in paid updates.
Customers who purchased a Jotter subscription before version 1.5 may continue to use the App under their existing subscription terms. Those subscriptions:
We do not offer new subscriptions from version 1.5 onward. If you are a legacy subscriber and cancel, you may purchase the App as a one-time download at the then-current price.
We may change the one-time purchase price from time to time. Existing owners are not affected by future price changes. Any change to legacy subscription pricing will be communicated through the App Store in accordance with Apple’s policies, and existing subscribers will be notified before any price increase takes effect.
Refund requests for both one-time purchases and subscriptions are handled by Apple in accordance with their refund policies. We do not process refunds directly.
The App and all its content — including source code, design, graphics, text, images, icons, tips, motivational quotes, and user interface elements — are owned by or licensed to The Cosy People and are protected by Australian and international copyright, trademark, and intellectual property laws.
We grant you a limited, non-exclusive, non-transferable, revocable licence to use the App on devices you own or control, solely for your personal, non-commercial purposes, subject to these Terms.
You may not copy, modify, distribute, sell, lease, reverse engineer, decompile, or create derivative works based on the App or its content, except as permitted by applicable law.
You agree not to:
The App allows you to create motivational image compositions, set a profile name and photo, and enter expense information. You retain ownership of any content you create or enter.
By providing feedback, suggestions, or ideas to us (via email or other channels), you grant us a non-exclusive, royalty-free, worldwide licence to use, modify, and incorporate that feedback into our products and services without obligation to you.
The App integrates with the following third-party services:
Your use of these services is subject to their respective terms and privacy policies. We are not responsible for the practices or content of third-party services.
The App may also contain links to external websites or resources (e.g. our privacy policy, support pages). We are not responsible for the content or availability of external sites.
The App provides Home Screen widgets and may integrate with iOS features such as Shortcuts and Spotlight. Widget data is shared between the App and its extensions via a secure on-device app group container. This data does not leave your device.
THE APP IS PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
WE DO NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS. WE DO NOT WARRANT THE ACCURACY OR COMPLETENESS OF ANY INFORMATION, TIPS, OR CONTENT PROVIDED THROUGH THE APP.
Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy conferred on you by the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)) or any other applicable law that cannot be excluded, restricted, or modified by agreement.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE APP.
OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE APP SHALL NOT EXCEED THE AMOUNT YOU PAID TO US FOR THE APP IN THE 12 MONTHS PRECEDING THE CLAIM, OR AUD $50, WHICHEVER IS GREATER.
These limitations apply to the fullest extent permitted by law and do not limit any rights you have under the Australian Consumer Law that cannot be excluded or limited.
You agree to indemnify and hold harmless The Cosy People and its officers, employees, and agents from any claims, damages, losses, or expenses (including reasonable legal fees) arising out of your breach of these Terms, your misuse of the App, or your violation of any applicable law or the rights of any third party.
We may suspend or terminate your access to the App at any time, without notice, if we reasonably believe you have violated these Terms. You may stop using the App at any time.
Upon termination, your licence to use the App ends immediately. Sections of these Terms that by their nature should survive termination (including intellectual property, disclaimers, limitations of liability, and indemnification) will continue to apply.
We reserve the right to modify, update, suspend, or discontinue the App (or any part of it) at any time without notice. We are not liable for any modification, suspension, or discontinuance of the App.
We may release updates to the App from time to time. Some updates may be required for continued use. You are responsible for ensuring your device meets the App’s current system requirements.
These Terms are governed by the laws of Queensland, Australia.
If a dispute arises, we encourage you to contact us first at hello@thecosypeople.com.au so we can attempt to resolve it informally.
If informal resolution is not possible, you agree that the dispute will be submitted to the exclusive jurisdiction of the courts of Queensland, Australia, subject to any rights you may have under applicable consumer protection laws to bring proceedings in your local jurisdiction.
The App is distributed through the Apple App Store. By using the App, you also agree to Apple’s Licensed Application End User License Agreement. In the event of any conflict between these Terms and Apple’s EULA, Apple’s EULA will prevail to the extent of the conflict.
You acknowledge that:
If you have any questions about these Terms, please contact us:
The Cosy People Email: hello@thecosypeople.com.au
These Terms apply to the Jotter iOS app and its associated widget extensions.