Terms of Service

These Terms of Service ("Terms") are an agreement between you and Ministerial Housing Allowance Tracker LLC, a Hawaii limited liability company doing business as MHA Tracker ("MHA Tracker," "we," "us"), governing your use of the MHA Tracker application and website (the "Service"). By using the Service, including by checking the acceptance box at signup, you agree to these Terms. If you do not agree, do not use the Service.

MHA Tracker is a recordkeeping tool that helps ministers track expenses and documents related to the ministerial housing allowance under Section 107 of the Internal Revenue Code, and provides general educational content about that benefit.

MHA Tracker does not provide tax, legal, accounting, or financial advice. We are not certified public accountants, enrolled agents, or attorneys. MHA Tracker is an independent business. It is not affiliated with, and does not provide services on behalf of, any investment advisory, brokerage, or financial planning firm, and using the Service does not create an advisory, fiduciary, or client relationship with anyone. All content, calculations, estimates, reports, and sample documents produced by the Service are for general informational and educational purposes only, may contain errors, and may not reflect current law. You are solely responsible for your tax filings and financial decisions. Consult a qualified tax professional who is experienced in clergy tax matters before acting on anything in the Service.

Steward+ includes optional AI receipt scanning. When you choose to scan a document, it is sent to our AI provider, which reads it and suggests a date, amount, and payee. With Quick scan, a confident reading is saved as an expense right away; other scans show you the suggested fields first. Either way, AI extraction can be wrong or incomplete, so you are responsible for reviewing what was saved and correcting or deleting anything the AI got wrong. The original document you uploaded, not the extracted text, is your documentation.

Steward+ also includes an optional rent estimate lookup. When you choose to look up your address, we retrieve an estimated market rent from a third-party rental data provider based on comparable rental listings near you. Estimates are informational starting points only: they are not appraisals, may be inaccurate or out of date, and are not tax, legal, or financial advice. You are solely responsible for the fair rental value you save, and we encourage you to confirm it with a local real estate professional and keep your own documentation of how you determined it. While you type your address for that lookup, a mapping provider suggests matching addresses; you are responsible for confirming the one you choose is correct.

Acknowledgment. You acknowledge that the housing allowance exclusion depends on facts, designations, and decisions that are yours and your church's, not ours, and that the Service cannot know whether any particular expense qualifies for you. You agree that you are not relying on the Service as a substitute for a qualified professional, and that you will review any figure the Service produces before using it in a tax filing, a board resolution, or a financial decision. The Service does not file anything on your behalf.

• Steward (free). An account is required, but your expense records and receipt files are stored only in your browser on your device. We do not receive, store, or back up Steward records, and we cannot recover them. Clearing your browser data, losing the device, or switching browsers or devices may permanently delete your records, and you are solely responsible for backing them up (for example, via CSV export).
• Steward+ (paid subscription). Your records and receipt files are stored in our hosted infrastructure, associated with your account, and accessible from your signed-in devices.
• If a Steward+ subscription ends. We do not delete your records because a subscription ended; retention is described in the Privacy Policy. If a renewal payment fails you keep full access for 60 days while it is retried. After that, and after a subscription you cancel reaches the end of the period you paid for, your account becomes read-only: your records remain, and you can open and export them at any time, but you cannot add, edit, or delete records or scan receipts until you restart Steward+. Restarting restores full access to the same records.

An account is required for all plans, including the free Steward plan. You must provide accurate information when creating an account and keep your password secure. You are responsible for activity under your account. You must be at least 18 years old to create an account. Notify us promptly at support@mhatracker.com of any unauthorized use.

When you create an account you can choose whether to receive occasional emails from us about the housing allowance and related services for pastors and churches. We will not sell your information or spam your inbox, and you can change your mind or unsubscribe from these emails at any time; emails essential to operating your account (such as password resets, billing notices, and renewal reminders) are sent regardless.

You agree to receive notices from us electronically, at the email address on your account or within the app, and that electronic notices satisfy any requirement that a notice be in writing. Keep your email address current.

• Steward+ costs $7.77 per month or $70 per year (plus any applicable taxes), billed in advance for the period you choose through our payment processor, Stripe. We do not receive or store your card number. After each purchase we email you a confirmation stating the price, the renewal date, and how to cancel.
• Subscriptions renew automatically at the end of each billing period unless canceled. For annual subscriptions, we will email you a reminder at least 30 days before each renewal stating the renewal date, the amount, and how to cancel. You can cancel at any time; cancellation takes effect at the end of the period you already paid for, and you keep access until then.
• If a renewal payment fails, you keep full Steward+ access for 60 days while we and Stripe retry the charge, so an accidental lapse does not lock you out of your own records. After that your account becomes read-only rather than closed: your records are retained per our Privacy Policy, and you can read and export them at any time.
• If you are unsatisfied, contact us at support@mhatracker.com within 14 days of your first purchase for a full refund. Renewal charges are otherwise non-refundable except where required by law.
• If your subscription begins with a free trial or promotional period, your card is not charged until that period ends. We will email you at least 7 days before the trial ends with the amount that will be charged and how to cancel, and you can cancel before then at no cost.
• Prices may change with at least 30 days' notice by email; changes apply at your next renewal.

You own the data and documents you put into the Service. You grant us only the limited rights needed to operate the Service: storing, processing, and displaying your content back to you. We do not sell your data or use it for advertising.

You are responsible for the accuracy and legality of what you upload, and for keeping independent copies of records you are legally required to retain; the Reports tab provides export tools for exactly this. The Service is a convenience, not a system of record mandated by the IRS. We are not responsible for records lost from your own device or browser, including records kept on the free Steward plan.

If you send us a review and tick the box giving permission, you allow us to publish that review on our website along with the name, role, and location you chose to provide. We never publish a review without that permission, and we never write one on your behalf. If a reviewer received anything of value from us, such as extended access, we will say so alongside the review. You may withdraw permission at any time by emailing support@mhatracker.com, and we will take it down. Ideas and feature requests you send us are never published; by sending them, you grant us a perpetual, royalty-free license to use them without obligation to you.

You may not misuse the Service: no unauthorized access, probing, or disruption; no attempts to access other users' data; no unlawful content; no reselling the Service without our written consent; no automated scraping.

The Service, including its design, logo, and content (other than your content), is owned by us or our licensors and protected by intellectual property laws. We grant you a limited, non-exclusive, non-transferable license to use the Service for personal purposes while these Terms are in effect.

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT DATA WILL NEVER BE LOST. NOTHING IN THE SERVICE CONSTITUTES PROFESSIONAL ADVICE.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, TAX PENALTIES, INTEREST, OR DISALLOWED DEDUCTIONS OR EXCLUSIONS, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE. THE SERVICE IS A RECORDKEEPING TOOL; YOU AND YOUR TAX PREPARER REMAIN RESPONSIBLE FOR EVERY FILING POSITION. OUR TOTAL LIABILITY FOR ALL CLAIMS IN ANY 12-MONTH PERIOD WILL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID US FOR THE SERVICE IN THAT PERIOD OR $70.

The limitations in this section do not apply to liability for our gross negligence, willful misconduct, or fraud, or to any liability that cannot be limited under applicable law. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you. If any part of this section is found unenforceable, the remainder applies to the fullest extent permitted.

To the extent permitted by law, you agree to indemnify and hold us harmless from claims, losses, and reasonable expenses (including attorneys' fees) arising out of your violation of these Terms, your violation of any law, or inaccurate information you provided to the Service. This does not cover claims caused by our own breach of these Terms.

We may modify, suspend, or discontinue any part of the Service. If we discontinue the Service or a feature that holds your records, we will give at least 30 days' notice and a way to export your records first. We do not guarantee any particular level of availability, and we are not liable for interruptions caused by events outside our reasonable control, including failures of the internet, hosting providers, or third-party services we rely on.

You may cancel your subscription at any time from Profile → Manage or cancel subscription, which opens our payment processor's billing portal; access continues until the end of the period you have already paid for. You may delete your account at any time from Profile → Delete account. We may suspend or terminate access for violation of these Terms, with notice where practicable. Upon account deletion, your cloud-stored records are removed as described in the Privacy Policy, and any records saved in the browser you are using are cleared as well. Records kept on the free plan in a different browser or device stay on that device; clear them there if you want them gone. Export your records first.

These Terms are governed by the laws of the State of Hawaii, without regard to conflict-of-law rules.

Talk to us first. Before bringing any claim, you agree to email support@mhatracker.com describing the problem and to give us 30 days to try to resolve it. Most concerns are settled this way.

Where claims are brought. Any claim not resolved informally will be brought exclusively in the state or federal courts located in Hawaii, and you consent to their jurisdiction, except that either of us may bring an individual claim in small claims court where that court has jurisdiction. Nothing in this section limits rights you may have under the consumer protection laws of the state where you live that cannot be waived by agreement, including any right to bring a claim in your local small claims court.

Time limit. Any claim arising out of or relating to the Service must be brought within one year after it arises, or it is permanently barred, to the extent the law allows.

Your remedy. Your sole remedy for dissatisfaction with the Service is to stop using it and, where section 5 applies, to request a refund.

We may update these Terms from time to time. Material changes will be announced in the app or by email at least 14 days before they take effect, and the app will ask you to accept them. If you continue to use the Service after the effective date, the updated Terms apply to you. The "updated" date above always reflects the current version, and we keep a dated copy of every version so you can ask us for the wording you agreed to.

Severability. If any provision of these Terms is found unenforceable, the remaining provisions stay in full effect, and the unenforceable provision will be limited to the minimum extent necessary. Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and us about the Service. No waiver. Our failure to enforce a provision is not a waiver of it. Assignment. You may not assign these Terms; we may assign them in connection with a sale or reorganization of the business, and we will tell you if we do. Survival. Sections 2, 6, 9, 10, 11, 13, and this section survive termination.

Questions? Contact us at support@mhatracker.com.