Terms of Service

Last updated: September 7, 2026

These Terms govern your use of the Holdback app and website ("Holdback", "Service"), operated by Ankit Patel, an individual (sole proprietor) ("we", "us"). By using Holdback you agree to these Terms.

1. What Holdback is — and is not

Holdback helps self-employed and 1099 workers estimate how much of their income to set aside for taxes and produces a suggested schedule of quarterly estimated-tax payments.

Holdback is not a tax advisor, accountant, or tax-preparation service.

• Every figure Holdback shows is an estimate based on the information you enter and published tax-rate tables. It is not tax advice and not a guarantee of your actual tax liability.
• Holdback does not prepare or file tax returns and does not make or receive any payment to a tax authority on your behalf.
• Holdback does not connect to your bank or move money.
• Tax situations vary. You are solely responsible for determining and meeting your tax obligations, and you should consult a qualified tax professional before relying on any output.

2. Eligibility

You must be at least 18 years old and able to form a binding contract.

3. Your account and data

You are responsible for the accuracy of the information you enter and for keeping your account credentials secure. Your tax profile and logged payments are stored on your device; if you enable Backup, an encrypted copy is stored on our servers. See the Privacy Policy for details.

4. Holdback Plus (subscription)

Some features (payment tracking, deadline reminders, year-end export, and backup) require a paid subscription, "Holdback Plus".

• Subscriptions are billed through the Apple App Store, Google Play, or Stripe, depending on how you subscribe, and renew automatically until cancelled.
• Manage or cancel through the store you subscribed with (or your account settings for web subscriptions). Cancellation takes effect at the end of the current billing period.
• Prices, and any free-trial terms, are shown at the point of purchase.
• Refunds are handled under the policies of the store you purchased through, or as required by law.

5. Acceptable use

Do not misuse the Service: no reverse engineering except as permitted by law, no interfering with its operation, no unlawful use, and no attempts to access other users' data.

6. Intellectual property

We own the Service and its content (excluding your data). We grant you a limited, non-exclusive, non-transferable licence to use Holdback for your personal or business tax-planning purposes.

7. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING ACCURACY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not warrant that estimates will match your actual tax liability or that the Service will be uninterrupted or error-free. Tax laws and rates change and may be applied by Holdback with a delay.

8. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY TAX, PENALTY, INTEREST, OR LOST SAVINGS, ARISING FROM YOUR USE OF OR RELIANCE ON THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM OR USD 50.

Some jurisdictions do not allow certain limitations; in those places the above applies to the fullest extent permitted.

9. Indemnification

You agree to indemnify us against claims arising from your misuse of the Service or violation of these Terms.

10. Termination

You may stop using Holdback at any time and delete your account in Settings. We may suspend or terminate access for violation of these Terms or where required by law.

11. Changes

We may update these Terms. Material changes will be announced in the app and the "Last updated" date revised. Continued use after changes means you accept them.

12. Governing law

These Terms are governed by the laws of the state of the United States in which the Provider resides, without regard to conflict-of-laws rules.

We do not require binding arbitration, and there is no class-action waiver. Any dispute may be brought in the courts of that jurisdiction, and either of us may instead bring a qualifying claim in small-claims court.

Nothing in these Terms limits any right you have under the mandatory consumer-protection law of your own country or state.

13. Contact

support@petalformllc.com