Terms of Service

Last updated: July 16, 2025

1. Acceptance of Terms

By accessing or using this application, you agree to be bound by these Terms of Service. If you do not agree, please do not use the application.

2. Services Provided

This application provides tools for personal budgeting, expense tracking, and data analysis. Users may also connect their banking accounts via open banking integrations.

All financial data fetched through open banking connections is accessible only to the user who connected their account. Even if another user knows your internal IDs, they cannot view your data.

All data analysis features are implemented using our own first-party code and do not rely on third-party AI services (e.g., Anthropic or OpenAI models).

3. User Responsibilities

You agree to use this service only for lawful personal financial management.
You are responsible for maintaining the confidentiality of your account credentials.
You may not attempt to access data belonging to other users or interfere with the normal operation of the application.

4. Cookies & Privacy

We use cookies only to ensure core functionality:

Authentication cookies to keep you logged in.
A small cookie to track if you voted on a public item.
A temporary ticket ID cookie for support interactions.

We do not use any third-party tracking or advertising cookies. Please see our for more details.

5. Disclaimer of Warranties

This service is provided on an "as is" and "as available" basis. We make no warranties, express or implied, regarding the reliability, availability, or accuracy of the service.

6. Limitation of Liability

To the maximum extent permitted by applicable law, we shall not be liable for any indirect, incidental, special, consequential or punitive damages, or any loss of profits or revenues, arising out of your use of the service.

7. Changes to These Terms

We may update these Terms of Service from time to time. When we do, we will update the "Last updated" date above. Continued use of the application constitutes acceptance of the updated terms.

8. Contact

If you have questions about these Terms, please contact us at your support email address.