Last updated: May 5, 2026
How Much+ is operated by Search The Hull LLC, a Florida limited liability company (FL Document #L26000219318) ("How Much+," "we," "us," "our," "the Company," or "the Service"). By accessing or using the Service — including the website, mobile application, and any related services — you accept and agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you must not access or use the Service. Your continued use of the Service following any update to these Terms constitutes your acceptance of the revised Terms.
You must be at least eighteen (18) years old to create an account or use the Service on your own behalf. Users who are at least thirteen (13) but under eighteen (18) years of age may use the Service only with the verifiable consent of a parent or legal guardian, who agrees to be bound by these Terms on the minor's behalf.
The Service is not directed to children under thirteen (13). We do not knowingly collect personal information from children under 13. Any account that we discover, or are notified, belongs to a user under the age of 13 will be terminated and any associated personal information promptly deleted. If you believe a child under 13 has provided us with personal information, please contact us at privacy@howmuchplus.com.
How Much+ is an offline-first income tracking application and educational content library. It allows users to track hourly, commission/gig, and passive income; manage expenses; set financial goals; view tax breakdowns and after-tax estimates; and read educational articles on wage law, gig-worker taxes, and personal finance. The Service operates primarily through data stored locally on your device (browser localStorage). Optional features include account creation, cloud authentication, data export and compression, and access to premium features.
3.1 Free Tier and Paid Plans:
The Service is free to use, with optional paid upgrades. How Much+ (Lifetime) — $9.99 USD, one-time: a one-time purchase of $9.99 USD that grants access for the operational lifetime of the Service. It unlocks extended backup history (up to 16 months), unlimited editing of past records, enhanced data exports, and other premium features. This is a single charge; there is no recurring billing for How Much+ itself. "Lifetime" means the operational lifetime of the Service. If the Service is permanently discontinued, materially restructured, or sold, your access will end at that time with no further refund obligation beyond what is required by applicable law. All How Much+ purchases are final and non-refundable except where required by applicable law.
GPS Auto Clock Add-On — $1.99 USD / month, recurring: the GPS Auto Clock feature is an optional add-on for How Much+ subscribers. It costs $1.99 USD per month and renews automatically at the end of each one-month billing cycle unless canceled. To cancel your subscription, contact support@howmuchplus.com. We'll process cancellations within one business day. To avoid being charged for the next billing period, you must request cancellation at least 24 hours before the end of the current period. Cancellation takes effect at the end of the then-current billing period, and you will retain GPS Auto Clock access until that date. No partial-month refunds are issued for cancellations mid-cycle.
30-Day Complimentary Access (no payment method required): new How Much+ subscribers receive 30 days of complimentary GPS Auto Clock access upon first upgrading to How Much+. This is not a trial that auto-converts into a paid subscription — we do not collect your payment method for the GPS add-on at this stage, and you will not be charged automatically when the 30 days end. At the end of the 30-day window, GPS Auto Clock will simply stop working unless you voluntarily subscribe to the $1.99/month plan by contacting support@howmuchplus.com.
Billing and Payment Processor: all payments — for both the lifetime plan and the monthly add-on — are processed by Stripe, Inc. We do not store your payment card details. By purchasing, you authorize us (through Stripe) to charge your payment method for the amounts stated above, plus any applicable taxes, on the stated schedule. If a recurring charge fails, we may retry the charge in accordance with Stripe's standard dunning schedule; if all retries fail, your GPS Auto Clock access will be suspended until payment succeeds. Promotional or coupon codes, when available, are subject to their own terms and conditions and may be revoked at any time.
The Service is provided for general informational and educational purposes only. Nothing on or in the Service — including the calculators, the income, expense, and tax displays, the in-app AI assistant ("Monty" / House Worker), the AI receipt scanner, the educational articles, the "Learn & Earn" section, in-app tips and tooltips, and any other content (collectively, the "Educational Content") — constitutes tax, legal, financial, investment, accounting, insurance, or other professional advice.
How Much+ is not a CPA firm, law firm, registered investment advisor, broker-dealer, insurance broker, financial planner, tax preparer, or fiduciary of any kind. No CPA-client, attorney-client, advisor-client, broker-client, or fiduciary relationship is created by your use of the Service, by your reading or sharing of the Educational Content, or by any communication you have with us. Tax laws, employment laws, financial regulations, government programs, and platform policies change frequently and vary by jurisdiction and personal circumstance. You are solely responsible for verifying any decision you make using the Service, and you should consult a qualified accountant, tax professional, attorney, or other licensed professional for advice tailored to your specific situation.
How Much+ is a tracking tool, not a tax record-keeping service. You are solely responsible for maintaining your own tax records in compliance with applicable law. Cloud backups are provided for your convenience to restore data across devices and may be pruned per the retention limits in our Privacy Policy. We do not guarantee long-term retention of your records for tax or legal purposes.
Certain features of the Service require you to create an account. You may register using a Google account (via OpenID Connect) or with an email address and password. You agree to (a) maintain only one account per person, (b) provide accurate and current registration information, (c) keep your account credentials confidential and secure, and (d) accept full responsibility for all activity that occurs under your account, whether or not you authorized it. You agree to notify us immediately at support@howmuchplus.com of any unauthorized use of, or compromise to, your account. We reserve the right to suspend or terminate accounts that violate these Terms or that we reasonably believe have been compromised, are duplicates, or were created by anyone under the age of 13.
You agree to use the Service only for lawful purposes and in accordance with these Terms. You may not, and may not permit any third party to:
All content, features, and functionality of the Service — including but not limited to text, graphics, logos, icons, images, articles, calculators, the in-app AI assistant outputs, software, and the underlying code — are the exclusive property of Search The Hull LLC, except where third-party content is identified as such. They are protected by United States and international copyright, trademark, trade secret, and other intellectual property laws. Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your own personal, non-commercial use. Your use of the Service does not grant you any ownership rights to any content or materials you access. All rights not expressly granted in these Terms are reserved.
Use of this Site is unauthorized in any jurisdiction that does not give effect to all provisions of these Terms, including without limitation this section.
You represent and warrant that:
(a) You are not located in, under the control of, or a national or resident of any country subject to comprehensive U.S. sanctions, which currently include Cuba, Iran, North Korea, Syria, and the Crimea, Donetsk, and Luhansk regions of Ukraine;
(b) You are not listed on any U.S. Government list of prohibited or restricted parties, including the U.S. Treasury Department's Specially Designated Nationals (SDN) List, the U.S. Commerce Department's Denied Persons List or Entity List, or any similar list maintained by the U.S. Government;
(c) You will not use this Site or any content, services, or information obtained from it in violation of U.S. export control or sanctions laws, including the Export Administration Regulations and regulations administered by the Office of Foreign Assets Control (OFAC); and
(d) You will not access, download, or use this Site if doing so would violate the laws of your country of residence.
Search the Hull LLC reserves the right to terminate access for any user found to be in violation of this section, and to cooperate with law enforcement in any investigation of suspected sanctions violations.
THE SERVICE AND ALL MATERIALS, CALCULATORS, ESTIMATES, ARTICLES, AND OTHER CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING WITHOUT LIMITATION THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, AND QUIET ENJOYMENT.
WITHOUT LIMITING THE FOREGOING, WE DO NOT WARRANT THAT (a) THE SERVICE WILL MEET YOUR REQUIREMENTS, (b) THE SERVICE WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE, (c) ANY INCOME, EXPENSE, OR TAX CALCULATION WILL BE ACCURATE, COMPLETE, OR APPLICABLE TO YOUR INDIVIDUAL CIRCUMSTANCES, (d) ANY ARTICLE OR EDUCATIONAL CONTENT REFLECTS THE CURRENT STATE OF ANY LAW, REGULATION, OR PROGRAM, OR (e) THE SERVICE WILL BE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
THE SERVICE IS NOT INTENDED AS FINANCIAL, TAX, LEGAL, INVESTMENT, OR ACCOUNTING ADVICE. All income estimates, tax breakdowns, category classifications, receipt extractions, goal projections, and any output from the in-app AI assistant ("Monty" / House Worker) or the AI receipt scanner are generated automatically and may be inaccurate, incomplete, or out-of-date. You are solely responsible for verifying any financial, tax, or business decision you make, and you should consult a qualified accountant, tax professional, or attorney for your specific situation. The GPS Auto Clock feature is a convenience tool; you are responsible for reviewing and correcting any automatically-recorded work sessions before relying on them for billing, payroll, tax filing, or any legal purpose.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SEARCH THE HULL LLC, ITS OFFICERS, DIRECTORS, MEMBERS, EMPLOYEES, CONTRACTORS, AGENTS, OR SUPPLIERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES — INCLUDING WITHOUT LIMITATION DAMAGES FOR LOST PROFITS, LOST REVENUE, LOST DATA, LOSS OF GOODWILL, BUSINESS INTERRUPTION, OR ANY OTHER INTANGIBLE LOSS — ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF, OR INABILITY TO USE, THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
OUR AGGREGATE LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATED TO THE SERVICE — WHETHER IN CONTRACT, TORT, STATUTE, OR OTHERWISE — SHALL NOT EXCEED THE GREATER OF (a) ONE HUNDRED U.S. DOLLARS ($100 USD), OR (b) THE TOTAL AMOUNT YOU PAID TO US FOR THE SERVICE IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM. THE LIMITATIONS IN THIS SECTION APPLY TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW; SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.
You agree to indemnify, defend, and hold harmless Search The Hull LLC and its officers, directors, members, employees, contractors, and agents from and against any and all claims, demands, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or in connection with: (a) your use or misuse of the Service; (b) your violation of these Terms; (c) your violation of any applicable law or regulation; or (d) your violation of any rights of a third party, including intellectual property, privacy, or contractual rights. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate with our defense of such claim.
These Terms, and any dispute arising out of or relating to these Terms or the Service, shall be governed by and construed in accordance with the laws of the State of Florida, United States of America, without regard to its conflict-of-laws principles. Subject to Section 13 (Dispute Resolution), you and the Company consent to the exclusive jurisdiction and venue of the state and federal courts of competent jurisdiction located in the State of Florida for any action not subject to arbitration. The United Nations Convention on Contracts for the International Sale of Goods does not apply to these Terms.
Please read this section carefully — it requires you to resolve most disputes with us through individual binding arbitration and waives your right to a jury trial and to participate in a class action.
13.1 Informal Resolution. Before initiating arbitration, you agree to first attempt to resolve any dispute informally by sending a written notice describing the claim and the relief sought to legal@howmuchplus.com. The parties agree to negotiate in good faith for at least thirty (30) days following receipt of the notice. Only if the dispute is not resolved within that 30-day period may either party initiate arbitration.
13.2 Binding Individual Arbitration. Any dispute, claim, or controversy arising out of or relating to these Terms or the Service that is not resolved under Section 13.1 shall be resolved exclusively by binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules then in effect. The arbitration shall be conducted by a single neutral arbitrator. The arbitration may be conducted in person in the State of Florida, by telephone, by video conference, or by written submissions, at the arbitrator's discretion. Judgment on the award may be entered in any court of competent jurisdiction.
13.3 Class Action Waiver. You and the Company agree that each may bring claims against the other only in your or its individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, mass, or representative proceeding. The arbitrator may not consolidate more than one person's claims, and may not otherwise preside over any form of a representative or class proceeding.
13.4 Small Claims Court Exception. Notwithstanding the foregoing, either party may bring an individual action in small claims court for any dispute that qualifies under the rules of that court, provided the action remains in that court and is not removed or appealed to a court of general jurisdiction.
13.5 Equitable Relief. Either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property, confidentiality, or other proprietary rights.
13.6 Mass / Coordinated Arbitration. If twenty-five (25) or more individuals submit, or threaten to submit, demands for arbitration against the Company that raise substantially similar claims and are represented by the same or coordinated counsel ("Coordinated Claims"), the parties agree the arbitrations will proceed as follows: (a) the Company and counsel for the claimants will each select up to ten (10) "bellwether" cases to be arbitrated first on an individual basis; (b) all other claims will be stayed pending the outcome of the bellwether cases; (c) after the bellwethers conclude, the parties will engage in a 60-day good-faith mediation regarding the remaining claims; and (d) only after mediation may the remaining claims proceed to individual arbitration. Filing fees for any arbitrations beyond the bellwethers shall be split equally between the Company and the claimant unless the AAA's rules require otherwise. This provision is intended to provide an efficient, fair process for resolving large numbers of similar disputes and does not waive any individual's right to arbitrate their claim.
13.7 Government Agency Complaints. Nothing in this Section 13 prevents you from filing a complaint with a consumer protection agency or other government regulator.
We may revise these Terms from time to time. When we do, we will update the "Last updated" date at the top of this page and, for material changes, take reasonable steps to notify active users (for example, by posting a prominent notice in the Service or by sending an email to the address associated with your account). The revised Terms will become effective on the date stated in the notice or, if no date is stated, on the date posted. Your continued use of the Service after the effective date constitutes your acceptance of the revised Terms. If you do not agree to the revised Terms, you must stop using the Service.
You may terminate these Terms at any time by deleting your account and ceasing all use of the Service. We may suspend or terminate your access to the Service at any time, with or without cause and with or without notice, for conduct that we believe violates these Terms, is harmful to the Service, other users, or third parties, or that we reasonably believe is necessary to comply with applicable law. Upon termination, your right to use the Service ceases immediately. Provisions that by their nature should survive termination — including without limitation Section 4 (No Professional Advice), Section 7 (Intellectual Property), Section 9 (Disclaimers), Section 10 (Limitation of Liability), Section 11 (Indemnification), Section 12 (Governing Law), and Section 13 (Dispute Resolution) — shall remain in effect after termination.
If any provision of these Terms is held to be unenforceable or invalid by a court of competent jurisdiction or arbitrator, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall continue in full force and effect. Our failure to enforce any right or provision of these Terms will not be deemed a waiver of that right or provision.
These Terms, together with the Privacy Policy and any other policies referenced herein or posted on the Service, constitute the entire agreement between you and Search The Hull LLC regarding the Service, and supersede all prior agreements, understandings, and communications, whether written or oral, relating to the subject matter hereof.
If you have any questions about these Terms of Service, please use the appropriate contact below. We will make commercially reasonable efforts to respond within 30 business days.
Not Legal Advice: This document is provided for informational purposes only and does not constitute legal advice. You should consult a qualified attorney for legal matters.