You Need A Budget: Difference between revisions
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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== | |||
===User Freedom=== | ===User Freedom=== | ||
In order to use YNAB's service, users must agree to the YNAB [[Terms of Service]]<ref name="terms-of-service">{{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>, which, as of April 9th, 2026, includes agreeing to a mandatory [[Forced arbitration|binding arbitration]] with [[Class action|class-action]] and jury trial waiver for any users not based in the UK, Switzerland or European Economic areas. The terms outline a 30-day period available to such users after agreement to opt out of losing this right by emailing the company at their legal support email address. | In order to use YNAB's service, users must agree to the YNAB [[Terms of Service]]<ref name="terms-of-service">{{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>, which, as of April 9th, 2026, includes agreeing to a mandatory [[Forced arbitration|binding arbitration]] with [[Class action|class-action]] and jury trial waiver for any users not based in the UK, Switzerland or European Economic areas. The terms outline a 30-day period available to such users after agreement to opt out of losing this right by emailing the company at their legal support email address. | ||