You Need A Budget: Difference between revisions
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{{CompanyCargo | {{CompanyCargo | ||
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Founded in 2004 by Jesse Mecham, '''You Need A Budget (YNAB)''' is an online SaaS company that provides personal budgeting software that follows an envelope methodology. | Founded in 2004 by Jesse Mecham, '''You Need A Budget (YNAB)''' is an online SaaS company that provides personal budgeting software that follows an envelope methodology. | ||
==Consumer impact summary== | |||
{{Ph-C-CIS}} | |||
==Incidents== | ==Incidents== | ||
This is a list of all consumer-protection incidents this company is involved in. Any incidents not mentioned here can be found in the [[:Category:{{FULLPAGENAME}}|{{PAGENAME}} category]]. | This is a list of all consumer-protection incidents this company is involved in. Any incidents not mentioned here can be found in the [[:Category:{{FULLPAGENAME}}|{{PAGENAME}} category]]. | ||
===Forced | |||
===Forced arbitration clause update to ToS (''April 2026'')=== | |||
On April 9th, 2026, YNAB made updates to their [[Terms of Service]], which included a [[forced arbitration]] clause stipulating a 30-day window to opt out after accepting the terms by emailing YNAB's legal support email address.<ref>{{Cite web |date=2026-04-09 |title=YNAB Terms of Service |url=https://www.ynab.com/terms |url-status=live |archive-url=https://web.archive.org/web/20260415171655/https://www.ynab.com/terms |archive-date=2026-04-15 |access-date=2026-04-15 |website=You Need A Budget}}</ref> An email outlining the new changes was sent to existing users on the 13th, prompting some users to post and discuss the included arbitration notice on the "r/ynab" community forum on [[Reddit]]. The notice read: | On April 9th, 2026, YNAB made updates to their [[Terms of Service]], which included a [[forced arbitration]] clause stipulating a 30-day window to opt out after accepting the terms by emailing YNAB's legal support email address.<ref>{{Cite web |date=2026-04-09 |title=YNAB Terms of Service |url=https://www.ynab.com/terms |url-status=live |archive-url=https://web.archive.org/web/20260415171655/https://www.ynab.com/terms |archive-date=2026-04-15 |access-date=2026-04-15 |website=You Need A Budget}}</ref> An email outlining the new changes was sent to existing users on the 13th, prompting some users to post and discuss the included arbitration notice on the "r/ynab" community forum on [[Reddit]]. The notice read: | ||
[[File:YNAB Email Forced Arbitration Section.webp|alt=YNAB Email's ToS update notice|thumb|YNAB Email's notice of mandatory arbitration update to ToS]] | [[File:YNAB Email Forced Arbitration Section.webp|alt=YNAB Email's ToS update notice|thumb|YNAB Email's notice of mandatory arbitration update to ToS]] | ||
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A forced arbitration clause was not included in YNAB's Terms of Service exclusive to the United Kingdom, Switzerland, and EEA territories, also updated on April 9th.<ref>{{Cite web |date=2026-04-09 |title=YNAB Terms of Service (UK, Switzerland, EEA) |url=https://www.ynab.com/terms/uk-switzerland-eea |archive-url=https://web.archive.org/web/20260415215442/https://www.ynab.com/terms/uk-switzerland-eea |url-status=live |archive-date=2026-04-15 |access-date=2026-04-15 |website=You Need A Budget}}</ref> | A forced arbitration clause was not included in YNAB's Terms of Service exclusive to the United Kingdom, Switzerland, and EEA territories, also updated on April 9th.<ref>{{Cite web |date=2026-04-09 |title=YNAB Terms of Service (UK, Switzerland, EEA) |url=https://www.ynab.com/terms/uk-switzerland-eea |archive-url=https://web.archive.org/web/20260415215442/https://www.ynab.com/terms/uk-switzerland-eea |url-status=live |archive-date=2026-04-15 |access-date=2026-04-15 |website=You Need A Budget}}</ref> | ||
==Products== | |||
{{Ph-C-P}} | |||
==See also== | |||
{{Ph-C-SA}} | |||
==References== | ==References== | ||
{{ | {{Reflist}} | ||
[[Category:{{PAGENAME}}]] | [[Category:{{PAGENAME}}]] | ||