These Terms of Service (“Terms”) are an agreement between you and Terris Zhu(“we,” “us,” or “our”) governing your use of Taffy(the “app” or “Services”). By downloading, accessing, or using Taffy, you agree to these Terms. If you do not agree, do not use the Services.
1. The service
Taffy is a personal-finance mobile app that securely connects to your bank through Plaid and helps you categorize your transactions into spending buckets. Taffy does not move, hold, or transfer money, and it does not provide financial, investment, tax, or legal advice.
2. Eligibility
You must be at least 18 years old (or the age of majority in your jurisdiction) to use Taffy. By using the Services, you represent that you meet this requirement.
3. Your account
You can create an account using your email address or Sign in with Apple. You are responsible for keeping your account credentials secure and for all activity under your account. Notify us promptly at support@taffybuckets.com if you suspect unauthorized use.
4. Connecting your bank
Taffy uses Plaid Inc.to connect to your financial institutions. When you link an account, you enter your bank credentials directly with your bank through Plaid — we never receive or store those credentials. Your use of Plaid is also governed by Plaid’s end-user privacy policy. You authorize us to access and refresh your account and transaction data through Plaid in order to provide the Services.
5. Acceptable use
You agree not to:
- Use the Services for any unlawful or fraudulent purpose;
- Access another person’s account or data without authorization;
- Reverse-engineer, decompile, interfere with, or attempt to gain unauthorized access to the Services or their underlying systems; or
- Use the Services in any way that could damage, disable, or impair them.
6. Fees and subscriptions (Taffy+)
Taffy is free to use with one connected bank, and every feature is included at no cost. Connecting more than one bank requires Taffy+, an optional auto-renewing subscription.
- Pricing. Taffy+ is offered as a monthly plan (CA$6.99/month) or an annual plan (CA$39.99/year). Prices are shown in the app before you purchase and may vary by region; the price confirmed at checkout is the price that applies.
- Free trial. Taffy+ may be offered with a free trial. If you do not cancel before the trial ends, it automatically converts to a paid subscription and your payment method is charged.
- Auto-renewal. Your subscription renews automatically for the same period at the then-current price unless you cancel at least 24 hours before the end of the current period. Your Apple App Store account is charged for renewal within 24 hours before the period ends.
- Billing. Taffy+ is sold as an in-app purchase processed by Apple; payment is charged to your Apple App Store account. We use RevenueCat to manage and validate subscription entitlements. We never receive or store your payment-card details.
- Managing and cancelling.You can manage or cancel your subscription at any time in your device’s Settings → [your name] → Subscriptions. Cancellation takes effect at the end of the current billing period.
- Refunds.Purchases are handled by Apple, and refunds are subject to Apple’s policies — request one through Apple at reportaproblem.apple.com. We do not separately process payments or issue refunds.
- If Taffy+ ends.If your subscription lapses or is cancelled while you have more than one bank connected, Taffy keeps one bank active and pauses the others; the paused banks’ data is hidden until you resubscribe or disconnect them. You do not lose the categories or rules you created.
- Price changes. We may change subscription prices. If a change affects your renewal, you will be notified in advance as required, and any increase will not take effect until your next renewal.
7. Intellectual property
The Services, including their design, software, and content (excluding your data), are owned by us and protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the app for its intended purpose. The data you create and the financial data associated with your account remain yours.
8. Third-party services
Taffy relies on third-party services to function, and your use of the app is also subject to their terms — including Plaid (bank connectivity) and Apple (App Store distribution, Sign in with Apple, and push notifications). Your download and use of the app is also subject to the Apple Licensed Application End User License Agreement.
9. Disclaimers
The Services are provided “as is” and “as available” without warranties of any kind, whether express or implied. Taffy is not financial advice. Transaction and account information is sourced from your bank through Plaid, and we do not guarantee its accuracy, completeness, or timeliness. You are responsible for verifying your financial information with your bank.
10. 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 any loss of data, profits, or revenue, arising out of or related to your use of the Services. Nothing in these Terms limits liability that cannot be limited under applicable law.
11. Indemnification
You agree to indemnify and hold us harmless from any claims, damages, or expenses arising out of your misuse of the Services or your violation of these Terms.
12. Termination
You may stop using the Services at any time and can delete your account and all associated data from Settings → Delete Account, which also revokes our access to your bank data through Plaid. We may suspend or terminate your access if you violate these Terms or use the Services in a way that could cause harm.
13. Governing law
These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-law principles.
14. Changes to these Terms
We may update these Terms from time to time. The updated version will be indicated by a revised “Last updated” date at the top of this page. For material changes, we may notify you in the app or by email. Your continued use of the Services after changes take effect constitutes acceptance of the revised Terms.
15. Contact
Questions about these Terms? Email us at support@taffybuckets.com.