Please read this End User License Agreement carefully before using Providence. By downloading or using the app, you agree to be bound by these terms.
Effective Date: February 15, 2026
This End User License Agreement (“Agreement”) is a legal agreement between you (“User” or “you”) and TechForProgress, doing business as Technology for Progress (“TechForProgress,” “we,” “us,” or “our”), governing your use of the Providence personal finance application (“App”) available on iPhone, iPad, and Mac through the Apple App Store.
By downloading, installing, accessing, or using the App, you acknowledge that you have read, understood, and agree to be bound by this Agreement. If you do not agree to these terms, do not download, install, or use the App.
Subject to your compliance with this Agreement, TechForProgress grants you a limited, non-exclusive, non-transferable, revocable license to download, install, and use the App on Apple-branded devices that you own or control, solely for your personal, non-commercial purposes and in accordance with the Apple Media Services Terms and Conditions.
This license does not allow you to use the App on any device that you do not own or control, and you may not distribute or make the App available over a network where it could be used by multiple devices at the same time, except as permitted by Apple’s Family Sharing or Volume Purchase Program.
You agree not to, and you will not permit others to:
The App and all copies thereof are proprietary to TechForProgress and title thereto remains in TechForProgress. All rights in the App not specifically granted in this Agreement are reserved to TechForProgress. The App is protected by copyright laws of the United States and international copyright treaties, as well as other intellectual property laws and treaties.
The Providence name, the Providence logo, and all related names, logos, product and service names, designs, and slogans are trademarks of TechForProgress or its affiliates. You may not use such marks without the prior written permission of TechForProgress.
Providence is designed with a privacy-first architecture. All financial data you enter, import, or generate within the App is stored locally on your device. If you enable iCloud sync, your data is synced privately through your personal Apple iCloud account between your own devices. TechForProgress does not operate servers that store, process, or have access to your financial data.
TechForProgress cannot access, view, retrieve, or recover any financial data stored within the App. We do not collect, transmit, or store your personal financial information, transaction records, account details, budget data, investment information, or any other data you input into the App. Because we have no access to your data, we cannot assist with data recovery in the event of data loss.
If you choose to enable iCloud sync, your data is transmitted and stored through Apple’s iCloud services in accordance with Apple’s privacy policy and terms of service. TechForProgress has no control over, access to, or responsibility for data stored in your iCloud account. Your use of iCloud sync is governed by your agreement with Apple.
For additional details on our data practices, please review our Privacy Policy, which is incorporated into this Agreement by reference.
Providence is a personal finance management tool designed to help you organize and visualize your financial information. The App is not a financial advisor, tax advisor, investment advisor, or any other kind of licensed financial professional.
Because all data is stored locally on your device (and optionally in your personal iCloud account), you are solely responsible for maintaining backups of your data. TechForProgress strongly recommends that you regularly back up your device using iCloud Backup, Finder, or other backup methods supported by Apple.
TechForProgress is not responsible for any loss, corruption, or destruction of your data, regardless of the cause, including but not limited to:
You acknowledge and agree that TechForProgress has no ability to access, retrieve, or restore your data under any circumstances.
The App may interact with or rely upon third-party services, including but not limited to:
TechForProgress is not responsible for, does not endorse, and makes no representations or warranties regarding any third-party services, products, or content. Your use of third-party services is at your own risk and subject to those third parties’ respective terms and policies.
The App may be offered as a one-time purchase or may include in-app purchases, subscription tiers, or premium features. All purchases are processed through the Apple App Store and are subject to Apple’s payment terms and refund policies. TechForProgress does not directly process any payments or have access to your payment information.
Pricing, features, and availability of the App or any in-app purchase are subject to change at TechForProgress’s sole discretion. Any changes to pricing will not affect purchases already completed.
THE APP IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, TECHFORPROGRESS DISCLAIMS ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:
Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you. In such cases, the exclusions will apply to the fullest extent permitted by applicable law.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL TECHFORPROGRESS, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, SUCCESSORS, OR ASSIGNS BE LIABLE FOR ANY OF THE FOLLOWING, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY:
IN NO EVENT SHALL TECHFORPROGRESS’S TOTAL CUMULATIVE LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THIS AGREEMENT OR YOUR USE OF THE APP EXCEED THE AMOUNT YOU ACTUALLY PAID FOR THE APP IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR FIFTY UNITED STATES DOLLARS (USD $50.00), WHICHEVER IS GREATER.
The limitations set forth in this section shall apply even if the above-stated remedy fails of its essential purpose and regardless of whether TechForProgress has been advised of the possibility of such damages.
You agree to indemnify, defend, and hold harmless TechForProgress and its officers, directors, employees, agents, affiliates, successors, and assigns from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney’s fees) arising from:
This indemnification obligation will survive the termination of this Agreement and your use of the App.
This Agreement is effective until terminated. Your rights under this Agreement will terminate automatically without notice from TechForProgress if you fail to comply with any term of this Agreement.
TechForProgress may, at its sole discretion, terminate or suspend your access to the App at any time, with or without cause, and with or without notice. Upon termination:
Termination of this Agreement does not entitle you to any refund of amounts paid. Refund requests are governed by Apple’s App Store refund policies.
This Agreement shall be governed by and construed in accordance with the laws of the State of Delaware, United States of America, without regard to its conflict of law principles.
Any dispute, controversy, or claim arising out of or relating to this Agreement or the breach, termination, or validity thereof shall first be attempted to be resolved through good-faith negotiation between the parties. If such negotiation fails, the dispute shall be submitted to binding arbitration administered by the American Arbitration Association (“AAA”) in accordance with its Commercial Arbitration Rules.
You agree that any arbitration shall be conducted on an individual basis and not as a class, consolidated, or representative action. You waive any right to participate in a class action lawsuit or class-wide arbitration against TechForProgress.
Notwithstanding the foregoing, TechForProgress may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of its intellectual property rights.
This Agreement, together with the Privacy Policy, constitutes the entire agreement between you and TechForProgress regarding the App and supersedes all prior or contemporaneous understandings, agreements, representations, and warranties, whether written or oral.
If any provision of this Agreement is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be enforced to the maximum extent permissible, and the remaining provisions of this Agreement shall remain in full force and effect.
The failure of TechForProgress to exercise or enforce any right or provision of this Agreement shall not constitute a waiver of such right or provision. Any waiver of any provision of this Agreement will be effective only if in writing and signed by TechForProgress.
You may not assign or transfer this Agreement or any rights or obligations hereunder, in whole or in part, without the prior written consent of TechForProgress. TechForProgress may assign this Agreement without restriction. This Agreement shall be binding upon and inure to the benefit of the parties and their respective successors and permitted assigns.
This Agreement is between you and TechForProgress only, and not with Apple Inc. (“Apple”). TechForProgress, not Apple, is solely responsible for the App and its content. Your use of the App must comply with the Apple Media Services Terms and Conditions. Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the App. Apple is not responsible for addressing any claims by you or any third party relating to the App, including product liability claims, any claim that the App fails to conform to any applicable legal or regulatory requirement, and claims arising under consumer protection or similar legislation. Apple is not responsible for the investigation, defense, settlement, or discharge of any third-party claim that the App or your possession and use of the App infringes a third party’s intellectual property rights. You agree to comply with any applicable third-party terms when using the App. Apple and Apple’s subsidiaries are third-party beneficiaries of this Agreement, and upon your acceptance, Apple will have the right (and will be deemed to have accepted the right) to enforce this Agreement against you as a third-party beneficiary thereof.
TechForProgress reserves the right to modify, amend, or update this Agreement at any time. If we make material changes, we will notify you by updating the effective date at the top of this Agreement and, where practicable, by providing notice through the App or via the App Store. Your continued use of the App after any changes constitutes your acceptance of the revised Agreement. If you do not agree to the revised terms, you must stop using the App.
All notices under this Agreement from TechForProgress to you may be provided through the App, via the email address associated with your App Store account, or by posting on the Providence website. Notices from you to TechForProgress should be sent to the contact information provided below.
If you have any questions about this Agreement, please contact us:
TechForProgress (DBA Technology for Progress)
Email: [email protected]
Website: www.technologyforprogress.com
By downloading, installing, or using Providence, you acknowledge that you have read this Agreement, understand it, and agree to be bound by its terms and conditions.