Terms & Conditions

Billion Habit (the “Service”) is owned and operated by Workivio Ltd (“we”, “us”, “our”), a private limited company. By using the Service you enter into a binding agreement with Workivio Ltd. Questions can be sent to support@billionhabit.com.

By creating an account, purchasing a plan, or continuing to use the Service you agree to these terms. If you use the Service on behalf of an organisation you confirm you have authority to bind it; if you use it as an individual you confirm you are of legal age in your country of residence. If you do not agree, stop using the Service.

Billion Habit is a personal daily execution deck: a single-screen tracker for your top three priorities, non-negotiable habits, relationship touches, a run sheet, and a weekly score, with optional AI briefings, calendar sync, and agent (MCP) access. Free features are available to all users; Pro features require a paid subscription.

You must provide accurate information and keep it up to date. You are responsible for keeping your login credentials confidential and for all activity that occurs under your account. Tell us promptly if you suspect unauthorised access.

You must not, and must not permit anyone else to:

• use the Service for anything unlawful, or in breach of any applicable regulation;
• commit fraud, send spam, or impersonate another person or entity;
• infringe anyone’s intellectual property or privacy rights;
• interfere with the security or integrity of the Service — including uploading malware, probing or scanning for vulnerabilities, bypassing rate limits or access controls, or scraping the Service or other users’ data;
• reverse engineer, resell, redistribute, or circumvent technical limits of the Service.

Some features (daily quotes, AI briefings, agent tools) produce machine-generated text. You must not use them to generate illegal content, hateful content, deceptive impersonations or deepfakes, malware, or to attempt to jailbreak or misuse the underlying models. You are responsible for your prompts and inputs, for having the rights to any content you submit, and for how you use any output — including verifying its accuracy before relying on it.

AI output may be inaccurate, incomplete, or out of date. It is general information only and is not financial, investment, legal, tax, medical, or other professional advice, and must not be used for regulated professional purposes without qualified human oversight. Any portfolio, market, or numbers content in the Service is for your own personal record keeping and education only, is not a recommendation to buy or sell anything, and all decisions you make remain your own responsibility.

We may moderate content: we can remove or restrict content, filter or refuse outputs, and suspend accounts where use breaches these terms. If you believe content on the Service infringes your rights, contact support@billionhabit.com with details and we will investigate and remove infringing material where appropriate. Repeat or serious infringement results in termination.

We (and our licensors) retain all rights, title, and interest in the Service, including its software, design, branding, and documentation. You receive a limited, non-exclusive, non-transferable right to use the Service within the plan you have selected. You keep ownership of the content you enter; you grant us a limited licence to host and process it solely to provide the Service to you.

Pro is sold as a monthly or annual subscription that renews automatically until cancelled. Prices are shown at checkout and include applicable taxes where required.

Our order process is conducted by our online reseller Paddle.com. Paddle.com is the Merchant of Record for all our orders. Paddle provides all customer service inquiries and handles returns.

Payment, billing, invoicing, tax, cancellation, and refund mechanics are governed by Paddle’s Checkout Buyer Terms. See our Refund Policy for our money-back guarantee. If a renewal payment fails we may keep your access active for a short grace period while payment is retried, and suspend Pro features if it remains unpaid.

We work to keep the Service available and reliable, but we do not guarantee uninterrupted or error-free performance. Features may change, and maintenance, third-party outages, or faults may cause downtime.

To the fullest extent permitted by law we disclaim all implied warranties, including merchantability, fitness for a particular purpose, and non-infringement. The Service is provided “as is”.

To the extent permitted by law, our aggregate liability arising out of or in connection with the Service is limited to the fees you paid in the twelve months before the claim. We exclude liability for indirect, consequential, or special damages, including loss of profits, data, or goodwill. Nothing in these terms excludes liability for fraud, death, or personal injury caused by negligence, or any other liability that cannot be excluded by law.

You will indemnify us against claims, losses, and costs arising from content you submit, your unlawful use of the Service, or your breach of these terms.

We may suspend or terminate your access where there is material breach of these terms, non-payment, a security or fraud risk, or repeated or serious policy violations. You may stop using the Service and cancel your subscription at any time. On termination your Pro features end and we will give you a reasonable window to export your data before it is deleted or anonymised.

We may update these terms as the Service evolves. Material changes will be posted on this page with a new “last updated” date; continued use after that date means you accept the revised terms.

These terms are governed by the laws of England and Wales, and the courts of England and Wales have exclusive jurisdiction, unless mandatory local consumer law says otherwise. You may not assign these terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets. Neither party is liable for delays caused by events beyond its reasonable control.