The ground rules.

What BreadWinnr is

BreadWinnr is a personal budgeting and net worth tracking tool. It shows information from the accounts you connect and the details you enter. It is not financial, tax, investment or legal advice, and we are not a bank, broker or financial advisor. Scores, projections (including financial independence estimates) and “safe to spend” figures are estimates based on the data available and simple assumptions. Decisions you make are yours.

Some features use Apple’s on-device language model and text recognition to suggest budgets, answer questions about your own data, summarize your spending, draft messages and read receipts. These tools can make mistakes. Suggestions are applied only when you confirm them, and values read from a receipt are pre-filled for you to check before saving. You are responsible for the entries you save. A cancellation message we draft is only a draft: BreadWinnr never sends it for you, and canceling a subscription with a company remains your responsibility.

Your account

You must be at least 18 and give accurate information. You are responsible for your sign-in and device security. Tell us right away at support@breadwinnr.com if you think your account was accessed without permission.

Bank and brokerage connections

You connect accounts through third-party providers: Plaid for banks and SnapTrade for brokerages. Connections are read only, so BreadWinnr cannot move money. You authorize us to retrieve your account and transaction data, and you can disconnect at any time. Data can be late, incomplete or wrong because it comes from your institution, so check important numbers with your institution. Some institutions may not be supported or may need you to sign in again. You can also add cash and other transactions by hand. These are your own records and are not verified by us.

Free trial, plans and billing

• Free trial: new accounts get a 14 day free trial that includes up to 3 bank connections. A connection is one institution sign-in.
• Paid plans: monthly or annual, each including up to 5 bank connections and automatic syncing. Additional connections beyond five are billed monthly each. Current prices are shown in the app before you subscribe.
• Billing: purchases are made through your Apple ID and managed there. Subscriptions renew automatically unless you cancel at least 24 hours before the end of the current period. You can manage or cancel in your device’s subscription settings. Payment is charged to your store account at confirmation of purchase. Prices may change with notice as the store requires.
• Refunds are handled by Apple under its policies.
• If your trial or subscription ends, or a payment fails and is not recovered, we disconnect your bank connections so no new data is collected. Your saved history stays readable and manual tracking keeps working. You can subscribe again and reconnect your banks.

Acceptable use

Do not misuse the app: no unlawful use, no attempts to break or probe our systems, no scraping, no using it to access accounts that are not yours, and no abusing the feedback or referral features.

Community feedback board

Posts on the feedback board are shown to other people in the app without your name. Do not post anything unlawful, abusive, hateful, sexual, misleading or private (yours or anyone else's). Anyone can report a post with the Report button. A post reported by three people is hidden while we review it, and we remove posts and may limit access for accounts that break these rules. To report something directly, email support@breadwinnr.com.

Your content and our service

You keep ownership of the data you put in. You give us the permission needed to store and process it to run the app for you. We own the app, its design and its code. We may update or change features and will try to give notice of material changes.

Ending things

You may stop using BreadWinnr and delete your account at any time in Settings. We may suspend or end access for violations of these terms or to protect the service or others.

Disclaimers and limits

The app is provided “as is” and “as available” without warranties of any kind, to the fullest extent the law allows. We are not liable for indirect or consequential losses, lost profits, or losses from inaccurate third-party data or from decisions made using the app. Our total liability for any claim is limited to the amount you paid us in the 12 months before the claim. Some places do not allow these limits, so they may not apply to you.

Governing law

These terms are governed by the laws of the Commonwealth of Massachusetts and the United States, and disputes will be handled in the state or federal courts located in Massachusetts.

Changes and contact

We may update these terms. If a change is material we will tell you in the app, and continued use means you accept the update. Questions: support@breadwinnr.com. See also the app privacy policy.