Terms of service

The agreement between you and the operator of Bearings ("we", "us"; manomadethis), effective from October 2026. It covers the web app and the installable PWA. This page has no fine print because there is nothing to hide in it. Companions: the privacy notice, the refund policy, and the trust page.

The service

Bearings is a private money dashboard: budgets, a ledger, portfolio tracking, an assistant called Compass, and document capture. It displays money. It never moves money. No transfers, no payments, no trading execution, no advice. If a feature ever breaks that rule, that feature is a bug.

Who can use Bearings

  • You need to be at least 13. If you are under 18, get a parent or guardian's consent first.
  • Use Bearings for your own personal finances, where it is legal to do so. The ledger does not judge, but jurisdictions do.

Your account

  • You are responsible for your account, your credentials, and any AI key you attach. Keys are encrypted at rest and used only for your requests.
  • Tell us quickly (the contact page reaches a human) if you suspect someone else is in your account.

Your information and content

  • Your ledger, budgets, documents, and uploads belong to you. You grant us the limited right to store, process, and back them up for the sole purpose of running the service — never to sell, advertise against, or share them.
  • If you send feedback or feature ideas, you agree we may use them to improve Bearings, with no obligation to compensate or credit.

Using Bearings fairly

  • Do not forward other people's bank alerts or connect accounts that are not yours.
  • No scraping, reverse engineering, overload attempts, or building a competing product from our API.
  • No unlawful use, and no use that endangers other users or the service.

Subscriptions and payment

The Keeper plan costs $4.99 per month (or a yearly equivalent when offered) and includes unlimited Compass messages, unlimited document captures, hosted AI subject to fair use (an hourly rate limit and a monthly hosted-AI budget that refreshes each month; bring your own OpenRouter key to go beyond it at your own cost), 2GB of document storage, and every feature subsequently released. Storage can be extended with the Documents+ add-on (50GB for $4 per month). The free plan includes 100 Compass messages per month (your own OpenRouter key required), unlimited budgets, portfolios, and reports, and 250MB of storage. Uploads are blocked, never deleted, when storage is full; delete documents or upgrade to resume. Push notifications and monthly digests are Keeper features.

Subscriptions renew automatically until cancelled. Cancel any time via Settings → Plan, effective immediately; the refund policy governs money back. Payments, invoicing, and taxes are handled by Polar as merchant of record; we never see your card number.

Our property

The Bearings software, design, name, and brand belong to the operator. You get a personal, revocable license to use the service — that is all. Your data stays yours (see above); the instrument that holds it stays ours.

Disclaimers and limits

  • The service is provided "as is" and "as available". We aim for high availability but do not guarantee uninterrupted service.
  • Compass reports what your ledger says. It is software with opinions, not a licensed adviser; confirm anything important before acting on it. Figures derive from what you enter, forward, or upload — we cannot certify they match your bank.
  • To the maximum extent permitted by law, we are not liable for indirect or consequential losses, and our total liability for any claim is capped at what you paid us in the 12 months before it. Nothing here limits liability that cannot be limited by law.

Your responsibility to us

If your breach of these terms or your content gets us into a legal dispute with someone else, you cover our reasonable costs from it.

Ending the agreement

  • You may stop and delete your account at any time; deletion is deletion (a 30-day change-of-mind window applies before erasure is final).
  • We may suspend accounts that attack the service or endanger other users, and we will tell you why unless legally prevented.
  • If we ever shut the service down, paid plans get at least 30 days' notice and a pro-rata refund of the unused period. Sections that by their nature should survive (your data ownership, liability limits, this sentence) do.

Disputes and governing law

Talk to us first — the contact address reaches a human, and most problems end there. These terms are governed by the operator's law; consumers keep every protection their mandatory local law grants them, including the Jamaica Data Protection Act and, where applicable, the GDPR.

Changes

Material changes to these terms are announced in-app (or by email) before they take effect — at least 14 days for anything that reduces your rights. Continuing to use the service after that means you accept them.

General

If one clause fails, the rest stand. Not enforcing a clause once is not waiving it. We may assign this agreement (say, in a merger); you may not. Outages beyond our reasonable control suspend our obligations while they last. Notices are electronic, on this site or by email.

Questions: the contact page reaches a human.