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Prosperia

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Terms of Use

Last updated November 2, 2026

These Terms of Use (“Terms”) are an agreement between you and Stewart Moreland (“Prosperia”, “we”, “us”) covering the Prosperia app for iPhone (the “App”), Prosperia's server, and this website (together, the “Service”). Your use of the App is also governed by the End User License Agreement, and our handling of information by the Privacy Policy. By using the Service, you agree to these Terms.

1. Who can use Prosperia

You must be at least 18 years old and live in the United States. You may use the Service only for your own personal, non-commercial purposes.

2. What Prosperia does, and doesn't do

Prosperia helps you see, organize and understand your own financial information. It does not:

3. AI features

AI answers are generated by Apple's models from your own data. They can be inaccurate or incomplete, and you are responsible for how you use them. Suggestions, such as a draft budget, change nothing until you approve them. AI features are available only on devices that support Apple Intelligence, and Apple may limit or change them.

4. Connected banks and Plaid

Bank connections are provided through Plaid Inc. By connecting a bank, you authorize Plaid to access your account information on your behalf and agree to the Plaid End User Privacy Policy. We aren't responsible for Plaid's services or for your bank's availability, and we can't guarantee that any particular bank will connect or stay connected. You must have the right to access every account you connect.

5. Your data and your device

Your financial data is stored on your iPhone, and you are responsible for your device's security and for keeping your own backups. We don't have a copy of it and can't recover it if your iPhone is lost, reset or the App is deleted, or after you use Delete everything. Use Export to keep a copy, and keep your export passphrase safe: we can't recover it.

6. Subscriptions

Some features, such as connected bank sync, require a paid subscription, which you buy through Apple's App Store. Prices, free trials, renewal and cancellation are handled by Apple under its terms; subscriptions renew automatically until you cancel in your Apple Account settings at least 24 hours before the end of the current period. Refunds are handled by Apple. If your subscription ends, connected banks stop syncing, and data already on your iPhone remains available to you. We may change subscription prices with notice through the App Store.

7. Acceptable use

You agree not to:

8. Reporting security issues

If you find a security vulnerability, please report it to support@stewmore.dev and give us a reasonable time to fix it before disclosing it. Don't access, change or delete other people's data while testing.

9. Our intellectual property

The Service, including its software, design and content, belongs to us and our licensors. These Terms don't give you any rights in our names, logos or trademarks. If you send us feedback, we may use it without obligation to you.

10. Changes and termination

We may change, suspend or discontinue any part of the Service. If we discontinue connected bank sync, we will give reasonable notice where possible. You may stop using the Service at any time; Delete everything removes your data from your iPhone and our records of your bank connections. We may suspend or end your access to Prosperia's server if you breach these Terms.

11. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE”. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE OR ANY DATA IN IT WILL BE ACCURATE, COMPLETE, TIMELY, UNINTERRUPTED OR ERROR-FREE.

12. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, DATA OR FUNDS, OR FINANCIAL DECISIONS YOU MAKE, ARISING FROM YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SERVICE IS LIMITED TO THE GREATER OF THE AMOUNT YOU PAID FOR THE SERVICE IN THE 12 MONTHS BEFORE THE CLAIM OR US$50. SOME STATES DON'T ALLOW THESE LIMITATIONS, SO THEY MAY NOT APPLY TO YOU.

13. Indemnity

You agree to defend and indemnify us against claims arising from your breach of these Terms or misuse of the Service, to the extent permitted by law.

14. Governing law

These Terms are governed by the laws of [state], without regard to its conflict-of-laws rules. Any dispute will be resolved in the state or federal courts located there, unless the law where you live requires otherwise.

15. General

These Terms, the End User License Agreement and the Privacy Policy are the entire agreement between you and us about the Service. If any provision is unenforceable, the rest remains in effect. Our failure to enforce a provision isn't a waiver. You may not assign these Terms; we may assign them in connection with a merger, acquisition or sale of assets. If we change these Terms materially, we will update the date above and tell you in the App before the changes take effect.

Contact

support@stewmore.dev · Stewart Moreland, [mailing address]