Agreement
By using STOS (“Safe to Spend”) or this website, you agree to these terms. STOS is operated by Carter Kemppel, an individual developer in North Carolina, USA. If you do not agree, please do not use the app.
What STOS is — and is not
STOS is a personal finance app for iPhone. It helps you see balances, transactions, budgets, and a safe-to-spend number based on information from accounts you choose to connect and details you enter.
STOS is not a bank, credit union, payment processor, broker, or financial advisor. It does not move money, issue accounts, or make transactions for you. Nothing in the app or on this site is financial, investment, tax, or legal advice.
Estimates only
Numbers in STOS, including the safe-to-spend figure, are estimates. They depend on the data available to the app — for example, balances and transactions from a connected bank, and bills or spending patterns the app can see. Data can be delayed, incomplete, or incorrect. Always confirm important figures with your bank or financial institution.
You are responsible for your own financial decisions. Do not rely on STOS as the sole basis for a spending, saving, or other money decision.
Your account
You must be at least 13 years old to use STOS. You are responsible for the activity on your account and for keeping your sign-in method secure. You can create an account with email, Sign in with Apple, or Sign in with Google.
Please provide accurate information and update it when it changes. We may suspend or close an account that is used in a way that violates these terms, harms the service, or appears fraudulent or unlawful.
Third-party services
STOS uses other services to work, including:
- Supabase, for accounts and app data.
- Apple and Google, if you choose their sign-in options.
- Plaid, if you connect a bank. Plaid provides read-only account, balance, and transaction data. We never see your bank login credentials.
- Anthropic, when you use Stack, the in-app AI assistant.
Those services have their own terms and privacy policies. If you use them — for example, by connecting a bank through Plaid — you also agree to the applicable third-party terms. We are not responsible for those services and cannot control how they operate.
Acceptable use
You agree to use STOS only for your own lawful, personal finance purposes, and not to:
- Attempt to access another person’s account or data.
- Probe, disrupt, or overload the service, or bypass security or access controls.
- Misuse AI features, including to generate harmful or unlawful content.
- Copy, resell, or misuse the app except as allowed by law or these terms.
Intellectual property
The STOS name, the “Safe to Spend” tagline, and the app’s design and content belong to Carter Kemppel, except for third-party marks and content (including Apple, Google, Plaid, Supabase, and Anthropic). You may not use our name or marks in a way that suggests a partnership or endorsement that does not exist.
The app is provided as is
STOS is provided “as is” and “as available.” We work to keep it accurate and reliable, but we do not warrant that it will be uninterrupted, error-free, or that any number, insight, or AI response will be complete or correct. To the fullest extent allowed by law, we disclaim implied warranties, including merchantability, fitness for a particular purpose, and non-infringement.
Limitation of liability
To the fullest extent allowed by law, Carter Kemppel and STOS will not be liable for indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost data, or losses that result from your use of the app, from an estimate or AI response, or from a third-party service such as a bank connection. Our total liability for any claim arising out of these terms or the app is limited to the amount you paid us for STOS in the 12 months before the claim, or fifty U.S. dollars, whichever is greater.
Some places do not allow certain limitations. If those laws apply to you, some of the limits above may not apply, and you may have additional rights.
Termination
You can stop using STOS at any time and can delete your account in the app or by emailing team@getstos.app. We may suspend or end access if these terms are violated, if the service is discontinued, or if we reasonably need to do so to protect you, us, or the app. Provisions that should survive termination — including the disclaimer, limitation of liability, and governing law — will continue to apply.
Governing law
These terms are governed by the laws of the State of North Carolina, without regard to conflict-of-law rules. If a dispute is brought in court, the state and federal courts located in North Carolina will have jurisdiction, unless applicable law requires otherwise.
Changes
We may update these terms from time to time. If we make a material change, we will update the effective date on this page and, when appropriate, provide an additional notice in the app or by email. If you continue to use STOS after the updated terms take effect, you agree to the new terms.
Contact
Questions about these terms can be sent to team@getstos.app.