Terms of Service

Last updated: 2026-05-05

By using Granary you agree to these terms. They're written in plain language because legal language tends to obscure what's actually being agreed to.

1. What Granary is — and isn't

Granary is a tool for modeling your personal finances and retirement. It is not financial, tax, investment, or legal advice. Projections are based on your inputs and reasonable assumptions; reality will differ. For consequential decisions, consult a licensed advisor.

2. Your account

You're responsible for the accuracy of the data you enter, for keeping your login credentials secure, and for any activity under your account. If you sign up with a Firebase email, you can delete your account anytime via Settings → Delete my account.

3. Subscriptions

• Subscriptions auto-renew at the end of each billing period until canceled.
• Cancel anytime via the customer portal (Stripe) or via Settings → Subscription (Square). Access continues through the end of the period you paid for.
• Existing lifetime memberships (no longer offered for new purchase) are one-time, non-recurring, and grant access for as long as the service operates.
• Refund policy: see Refund Policy (30-day money-back).

4. Acceptable use

You agree not to:

• Reverse-engineer the service or attempt to access another user's data
• Use automated agents to scrape or stress-test the service without permission
• Use the service for illegal financial activity or to advise others without proper licensure
• Resell access to your account

5. Service availability

We aim for high uptime but don't guarantee it. Scheduled maintenance, third-party outages (Firebase, Stripe, Square, Gemini), and bugs can cause temporary unavailability. We'll communicate planned downtime when we can.

6. Disclaimers

The service is provided “as-is.” To the maximum extent permitted by law, Granary disclaims all warranties — express or implied — including merchantability, fitness for a particular purpose, and non-infringement. Projections are illustrative; actual financial outcomes depend on variables Granary cannot model (markets, taxes, life events, your choices).

7. Limitation of liability

To the maximum extent permitted by law, Granary's aggregate liability for any claim arising from your use of the service is limited to the amount you paid Granary in the 12 months preceding the claim. We are not liable for consequential, incidental, or punitive damages.

8. Termination

You can stop using the service or delete your account at any time. We can terminate accounts for abuse, fraud, or violation of these terms. Termination doesn't refund unused subscription periods (except per the refund policy).

9. Changes

We may update these terms. Material changes will be announced via email or in-app notice with at least 30 days' notice for paying users. Continued use after the effective date constitutes acceptance.

10. Governing law

These terms are governed by the laws of Utah, USA. Disputes will be resolved in courts located in Utah.

11. Contact

Questions: Everyoneneedsasamwise@gmail.com.

This is the agreement between you and Granary. It is a starting point drafted in plain language; consult a lawyer in your jurisdiction before relying on it for production use.