These Terms of Service (“Terms”) govern your use of PicoTally (“the App”), published by Pico Apps LLC, a Texas limited liability company. In these Terms, “we”, “us”, and “our” mean Pico Apps LLC together with its members, managers, officers, employees, contractors, and agents (collectively, the “Protected Parties”). By creating an account, ticking “I agree”, or using the App, you agree to these Terms. If you do not agree, do not use the App.
PicoTally is available as an app for iPhone and iPad (from the Apple App Store), an app for Android (from Google Play), and a web app for desktop and laptop browsers at app.picotally.com. These Terms apply on every platform, and one account works across all of them.
What changed on September 7, 2026: the “Free” plan is gone (every account is a Pro or Pro Max subscription that starts with a free month); the web app and card billing through Stripe are described; the voice-time limits are stated; and the list of services the App depends on is current. None of these changes adds obligations for you.
1. The service
PicoTally is a business management and bookkeeping tool for tradespeople and other one-person service businesses. It helps you create invoices and quotes, track expenses and receipts, keep customer records, and collect payment. It includes AI-powered features: receipt scanning, voice-to-invoice, a chat assistant that answers questions about your own books, and, on Pro Max, a real-time voice assistant. It is an organizational and productivity aid only — see Section 8.
PicoTally is designed primarily for sole proprietors and small businesses operating in the United States. Features such as Schedule C references reflect U.S. federal tax organization; we make no representation that the App is suitable for, or compliant with the tax or business rules of, any other country.
2. License and intellectual property
- Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the App for your own internal business purposes. This license ends automatically if you breach these Terms.
- Except for the data and content you enter, which remain yours (see Section 5), the App and all software, source code, designs, interfaces, text, graphics, logos, trademarks, documentation, AI prompts and workflows, and all related intellectual property are and remain the exclusive property of Pico Apps LLC and its licensors. These Terms grant you no ownership of, or rights in, any of it beyond the limited license above.
- “PicoTally” and the PicoTally logo are marks of Pico Apps LLC. You may not use them without our prior written permission.
3. Accounts
- You create an account with an email address and password, or by signing in with Google or Apple. The same account signs you in on iPhone, Android and the web.
- You may turn on Face ID, Touch ID or fingerprint sign-in in the phone apps. Your device performs that check; we never receive biometric data.
- You are responsible for maintaining the security of your account credentials.
- You must be at least 18 years old and able to form a legally binding contract to use the App.
- One person or business entity per account. Account sharing is not permitted.
- You represent that you are not located in, and will not use the App from, any country or region subject to U.S. sanctions or embargo, and that you are not on any U.S. government list of prohibited or restricted parties.
4. Subscription plans
PicoTally is a paid subscription. There is no free plan. There are two plans:
- Pro, US $9.99 per month: unlimited invoices and quotes with your logo and a pay link, receipt scanning, expense categorization, the chat assistant, the tax-time report, and the same account on phone and desktop.
- Pro Max, US $19.99 per month: everything in Pro plus the real-time “Hey Pico” voice assistant, including the hands-free wake word in the phone apps and voice edits to any field of a document, subject to the monthly voice-time limit below.
Prices are in U.S. dollars. Where Apple or Google bills you, they show the price in your local currency. Both plans are auto-renewing monthly subscriptions.
Your first month is free
- New customers get their first month free on either plan. A payment method is required to start: your Apple ID, your Google Play account, or a card on the web. If you cancel before the free month ends, you are not charged.
- If you do not cancel, the subscription converts automatically to a paid one at the end of the free month, at the price shown when you signed up.
- The free month is for new customers, once per person. If you have had a PicoTally subscription or free month before, on any platform, you may not be offered another. Apple and Google decide eligibility for subscriptions bought through their stores.
Voice conversation time (Pro Max)
Pro Max includes up to 120 minutes of real-time voice conversation per calendar month, and 15 minutes during the free month. When the limit is reached, the voice assistant pauses until the next month; everything else, including the typed chat assistant, keeps working. We may change these limits with notice; the current limit is shown in the App.
Who bills you
Who bills you depends on where you subscribed. PicoTally is sold through three channels, and the one you used determines who takes your payment, where you cancel, and who decides refunds. In every case we receive only a confirmation that your subscription is active — we never see your card details.
- Subscribed on iPhone or iPad — billed by Apple, charged to your Apple ID. Cancel or turn off auto-renew in Settings → [your name] → Subscriptions on your device. Refund requests go to Apple at reportaproblem.apple.com.
- Subscribed on Android — billed by Google, charged to your Google Play account. Cancel in the Play Store under Menu → Subscriptions. Refund requests go to Google under the Google Play refund policy.
- Subscribed on the web at app.picotally.com — billed by Stripe on our behalf, charged to the card you entered. Cancel any time from Settings → Account → Manage Subscription, which opens your Stripe billing portal, where you can also update your card and download past invoices. For refunds, email support@picotally.com.
Common to all three:
- The price is the one shown at the time you purchase. If we change a price, we will tell you at least 30 days before it applies to you, and you can cancel before it does.
- Your subscription renews automatically each month unless you cancel before the current period ends. Apple and Google both require cancellation at least 24 hours before renewal; your account is charged within the 24 hours before the period ends.
- If you cancel, your paid features remain available until the end of the current billing period, or the end of the free month. We do not issue partial refunds for the unused part of a period.
- A subscription is tied to the channel you bought it through and is not transferable between them. If you subscribe on iPhone and later install PicoTally on Android or use it on the web, your account, your data and your paid features all follow you — but the billing relationship stays with Apple. Do not subscribe a second time on another platform; you would be charged twice for the same account.
- Restore Purchases (Settings → Account) reattaches a subscription bought through Apple or Google to a new device. Web subscriptions are linked to your account automatically and need no restoring.
Where Apple or Google is the biller, they handle payment, renewal and refunds under their own terms, and a refund decision is theirs rather than ours. Where Stripe is the biller, come to us directly.
5. Your data
- You own all data you enter into the App (invoices, customer records, expenses, photos, voice memos). We do not claim any intellectual property rights over your content.
- You grant us a limited licence to process your data solely to provide and improve the service (e.g., sending your receipt text to our AI service for itemisation).
- Our Privacy Policy is incorporated into these Terms by reference; please review it to understand how we collect, use, and share data.
- You can export your records at any time: jobs, expenses, clients and payments as CSV files, the tax-time report as Excel or PDF, and any invoice or quote as PDF.
- You are responsible for keeping your own backups of important business records. Cloud sync and storage can fail, and to the maximum extent permitted by law we are not liable for any loss of, or inability to access, your data.
6. Acceptable use
You agree not to:
- Use the App for any unlawful purpose or to process fraudulent invoices.
- Attempt to reverse-engineer, decompile, or extract source code from the App.
- Interfere with, disrupt, or overload the service infrastructure.
- Resell or redistribute access to the App without written permission.
- Upload content that is malicious, harmful, infringing, or that violates the rights of others.
You are solely responsible for the content you upload (including logos, receipts, and customer documents) and confirm you have the right to use it. If you believe content in the App infringes your copyright, email support@picotally.com with the details and we will respond to valid notices.
7. AI features disclaimer
- AI-powered features are provided as productivity aids and rely on third-party services: Google Gemini (receipt itemisation and extracting job details from voice notes), Google Gemini Live carried over LiveKit and run on Fly.io (the real-time voice assistant), Deepgram (transcribing voice notes and the chat microphone), and Anthropic Claude (the chat assistant and suggested document titles). See our Privacy Policy for what each one receives.
- AI output may be inaccurate, incomplete, or wrong. You are responsible for reviewing and verifying all generated content before using it in invoices, quotes, expenses, financial records, or filings.
- The assistants act on your instructions. When you ask one to create or change an invoice, quote, expense or payment, it does so in your account; review the result before you send or rely on it.
- The Protected Parties are not liable for any inaccuracy in AI-generated content, or for any decision, record, or filing you base on it.
8. Not tax, legal, or financial advice
PicoTally is a bookkeeping and productivity tool. It is not a tax preparer, accountant, bookkeeper, lawyer, or financial advisor, and it does not provide tax, legal, accounting, or financial advice. Nothing in the App — including expense categories, “tax deductible” flags, Schedule C line references, totals, reports, or anything stated by the AI assistant — is advice, a professional opinion, or a determination of your tax liability, and none of it may be relied on as such.
- Category assignments, deductible flags, and Schedule C references are general, common-case guides for organizing your own records — not determinations. Whether an expense is actually deductible, and how anything should be reported, depends on your specific facts and applicable law, none of which we evaluate.
- Every figure the App shows is your own recorded data, presented for your records — not a calculation of tax owed or a promise of any outcome.
- You are solely responsible for reviewing and verifying every figure, category, and report; for your tax, accounting, and financial decisions; and for the accuracy, completeness, and timeliness of your filings. Confirm everything with a qualified tax professional before you file or rely on it.
- To the maximum extent permitted by law, the Protected Parties are not responsible or liable for any taxes, penalties, interest, fines, audits, disallowed deductions, filing errors, or other losses arising from your use of the App, its reports, or its AI features, or from any error or omission in any of them.
9. Invoicing and payment collection
- The App facilitates invoice creation and payment collection but is not a bank or financial institution and does not hold your funds.
- If you enable payment collection, you are set up as a connected account with Stripe, and each invoice can carry a pay link and QR code. Payments your customers make are processed by Stripe, a separate service with its own terms and fees, and payouts go directly from Stripe to the bank account you connect. Stripe’s processing fees are deducted from each payment.
- By using payment collection, you agree to be bound by the Stripe Connected Account Agreement and the Stripe Services Agreement, as Stripe may modify them from time to time.
- You are the seller in every transaction with your customers. Refunds, disputes and chargebacks are between you, your customer and Stripe. You are solely responsible for the accuracy of your invoices, quotes and expenses, for the amounts you bill and collect, and for any sales tax you are required to charge.
10. Third-party services
The App depends on third-party services — including Apple, Google (sign-in, Gemini and Google Play), Anthropic (Claude), Deepgram, Stripe, LiveKit, Fly.io, Supabase, Cloudflare, Resend, Sentry and TelemetryDeck — that are outside our control and have their own terms. These services may change, become unavailable, degrade, or be discontinued at any time. To the maximum extent permitted by law, we are not responsible or liable for any third-party service, or for any loss, delay, or failure caused by one.
11. Availability, support, and changes to the App
- We aim for high availability but do not guarantee uninterrupted or error-free service. The phone apps work offline with local data and sync when a connection returns; the web app requires an internet connection.
- The web app supports current versions of Chrome, Safari, Edge and Firefox on desktop and laptop computers. Older browsers may not work.
- We may add, change, suspend, discontinue, or remove any feature of the App at any time, with or without notice, and without liability to you.
- We have no obligation to provide maintenance, updates, support, or any particular feature. Any support we do offer is provided at our discretion.
- Some features may be offered as beta, early-access, or experimental. They may contain errors, may change, and may be withdrawn at any time, and are provided “as is” with no warranty of any kind.
- Events beyond our control. We are not responsible or liable for any delay or failure to perform caused by events beyond our reasonable control, including internet or network outages; failures of cloud, AI, hosting, or payment providers; acts of government; labor disputes; or natural disasters.
12. Disclaimer of warranties
To the maximum extent permitted by law, the App and everything it produces (including all reports, totals, categories, and AI output) are provided “as is” and “as available,” without warranties of any kind, whether express, implied, or statutory. The Protected Parties specifically disclaim all implied warranties, including the implied warranties of merchantability, fitness for a particular purpose (including fitness for any tax, accounting, or financial purpose), title, and non-infringement. We do not warrant that the App will be uninterrupted or error-free, or that any figure, category, or report it produces is accurate, complete, or suitable for filing or for any decision.
13. Limitation of liability
To the maximum extent permitted by law:
- In no event will the Protected Parties be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any lost profits, lost data, tax penalties, interest, fines, or business losses, arising from or related to your use of (or inability to use) the App, even if advised of the possibility.
- The Protected Parties’ total aggregate liability for any and all claims relating to the App is limited to the greater of (a) the amount you paid us for the App in the 12 months before the claim arose, or (b) US $100.
- These limits apply to every Protected Party and to every kind of claim, whether in contract, tort, statute, or otherwise, and they survive termination of these Terms.
14. Indemnification
You agree to indemnify, defend, and hold harmless the Protected Parties from and against any and all claims, demands, disputes, losses, liabilities, damages, taxes, penalties, interest, fines, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the App; (b) your invoices, expenses, records, tax filings, or financial or business decisions; (c) your violation of these Terms or of any law; or (d) your infringement of the rights of any third party. We may assume the exclusive defense and control of any matter otherwise subject to indemnification by you, at your expense, and you agree to cooperate.
15. App store terms
Some terms depend on where you obtained the App. Only the subsection matching how you use it applies to you.
15.1 If you obtained the App from the Apple App Store
- These Terms are between you and Pico Apps LLC only, and not with Apple. Pico Apps LLC, not Apple, is solely responsible for the App and its content.
- Your license to use the App is a non-transferable license to use it on any Apple-branded product that you own or control, as permitted by the App Store Usage Rules.
- Apple has no obligation whatsoever to furnish any maintenance or support services for the App.
- Apple is not responsible for any product warranties, whether express or implied. If the App fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price of the App (if any); to the maximum extent permitted by law, Apple has no other warranty obligation with respect to the App.
- Pico Apps LLC, not Apple, is responsible for addressing any claims relating to the App, including product-liability claims, claims that the App fails to conform to any legal or regulatory requirement, claims under consumer-protection or similar law, and intellectual-property claims.
- In the event of any third-party claim that the App or your use of it infringes that third party’s intellectual-property rights, Pico Apps LLC, not Apple, is solely responsible for the investigation, defense, settlement, and discharge of any such claim.
- You represent that you are not located in a country subject to a U.S. Government embargo or designated as “terrorist-supporting,” and that you are not on any U.S. Government list of prohibited or restricted parties.
- Apple and its subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.
15.2 If you obtained the App from Google Play
- These Terms are between you and Pico Apps LLC only, and not with Google. Pico Apps LLC, not Google, is solely responsible for the App and its content.
- Your use of the App is also subject to the Google Play Terms of Service. Where those terms conflict with these on a matter Google governs — billing, refunds, and distribution — Google’s terms control.
- Google has no obligation whatsoever to furnish maintenance or support services for the App, and is not responsible for any product warranties, whether express or implied.
- Pico Apps LLC, not Google, is responsible for addressing any claims relating to the App, including product-liability claims, claims that the App fails to conform to any legal or regulatory requirement, claims under consumer-protection or similar law, and intellectual-property claims.
- Subscriptions purchased through Google Play are billed by Google and refunded by Google, under the refund policy referenced in section 4.
- You represent that you are not located in a country subject to a U.S. Government embargo or designated as “terrorist-supporting,” and that you are not on any U.S. Government list of prohibited or restricted parties.
15.3 If you use the App in a browser
- These Terms are between you and Pico Apps LLC only. Neither Apple nor Google is a party to your use of the web app.
- Subscriptions bought at app.picotally.com are billed by Stripe on our behalf, as described in Section 4.
16. Dispute resolution; arbitration; class-action waiver
Please read this section carefully — it affects your legal rights.
- Any dispute or claim arising out of or relating to the App or these Terms will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court — except that either party may bring an individual claim in small-claims court.
- Class-action waiver. Disputes will be arbitrated only on an individual basis. You and we each waive any right to bring or participate in a class, collective, consolidated, or representative action.
- The arbitration will be seated in the county in Texas where Pico Apps LLC maintains its principal office, and this section is governed by the Federal Arbitration Act.
- 30-day opt-out. You may opt out of this arbitration and class-action-waiver agreement by emailing support@picotally.com within 30 days of first accepting these Terms, stating your name and that you opt out of arbitration. Opting out does not affect any other part of these Terms.
- If this arbitration provision is found unenforceable, any resulting litigation will take place exclusively in the state or federal courts located in the county in Texas where Pico Apps LLC maintains its principal office, and you consent to their jurisdiction.
17. Governing law
These Terms are governed by the laws of the State of Texas, United States, without regard to its conflict-of-laws rules. The forum for disputes is set out in Section 16.
18. Termination
- You may delete your account at any time. This permanently removes your cloud data, except where retention is required by law or is reasonably necessary for backups, fraud prevention, security, dispute resolution, or enforcing these Terms.
- We may suspend or terminate your account at any time, with notice where practicable, including if we reasonably suspect fraud, abuse, a security risk, or a violation of these Terms or of law.
- Upon termination, your right to use the App ceases. Provisions that by their nature should survive — including Sections 2 (License and intellectual property), 5 (Your data), 8 (Not tax, legal, or financial advice), 9 (Payment responsibility), 10 (Third-party services), 12 (Disclaimer of warranties), 13 (Limitation of liability), 14 (Indemnification), 15 (App store and browser terms), 16 (Dispute resolution), and 17 (Governing law) — will remain in effect.
19. Changes to these terms
We may update these Terms from time to time. Material changes will be communicated via email or an in-app notice at least 14 days before they take effect. Continued use of the App after the effective date constitutes acceptance of the updated Terms.
20. Contact
For questions about these Terms, contact us at:
Email: support@picotally.com
Formal legal notices may also be served on Pico Apps LLC through its registered agent, as listed in the company’s public filing with the Texas Secretary of State.