Terms of Service

Effective September 27, 2026 · Last updated September 27, 2026

1. Agreeing to these terms

These Terms of Service (“Terms”) are an agreement between you and Partner Limited Liability Company, a Colorado limited liability company (“Partner,” “we,” “us”). They cover the Partner website, the Partner apps, Partner AI and every related service (together, the “Service”). By creating an account or using the Service, you agree to these Terms, our Privacy Policy, our Subscription & Cancellation Terms, our Community Guidelines and our Disclosures, which are all part of these Terms. If you don’t agree, don’t use the Service.

2. Who can use Partner

You must be at least 18 years old, live in the United States, and be able to form a binding contract. Each account is for one person. Give us accurate information and keep it up to date. The Service is for personal, household use, not for running a business or managing other people’s money for pay.

3. Your account

Keep your password private and don’t share your account. You’re responsible for what happens under your account. If you think someone else has access, change your password and tell us right away at support@partnerbudget.app. We may pause an account to protect you or the Service if we see suspicious activity.

4. What Partner is, and what it isn’t

Partner gives you tools to budget, set goals, see where your money goes and build a plan, and it explains the results in plain language. Partner is educational software. Partner is not a bank, broker-dealer, registered investment adviser, insurance agency, accountant, tax preparer or law firm, and it does not give individualized investment, tax or legal advice or recommend buying or selling any security.

Projections, payoff dates, retirement odds and other estimates are based on your information and on assumptions such as historical market returns. They are not predictions or guarantees, and real results will differ. You make your own decisions and are responsible for them. For important decisions, consider talking with a qualified professional. If you use our Find a pro directory, any agreement is between you and that professional. Partner doesn’t take referral fees and doesn’t endorse any listed professional.

5. Partner AI

Partner AI answers questions using your budget, your plan and our planning engine, with help from an artificial-intelligence service. AI can be wrong or incomplete. Check important numbers before you act on them, and don’t rely on Partner AI as your only source of advice. Please don’t type full account numbers, Social Security numbers or passwords into Partner AI or anywhere else in the Service.

6. Connecting your bank and other accounts

When you connect an account, we use Plaid Inc. (“Plaid”) to get read-only information such as balances and transactions. You authorize Partner and Plaid to access that information from your financial institutions on your behalf. Partner cannot move money, make payments or change anything at your bank. Information from institutions can be late, incomplete or wrong, and we aren’t responsible for their errors. You can disconnect an account at any time. Plaid’s handling of your information is described in the Plaid End User Privacy Policy.

7. Plans, free trials and payment

Partner has a Free plan and two paid plans: Basic ($4.99 per month) and Pro ($9.99 per month), in U.S. dollars, plus any sales tax that applies. What each plan includes is described on our Pricing page. Paid plans may include a free trial for new subscribers. Paid plans renew automatically every month until you cancel. By starting a paid plan or a trial, you authorize us, through our payment processor Stripe, to charge your payment method for the plan price each month, starting when any trial ends, until you cancel. Full details on trials, renewals, cancellation, price changes, failed payments and refunds are in our Subscription & Cancellation Terms. If you buy a subscription through Apple’s App Store, Apple handles billing, cancellation and refunds under Apple’s terms.

8. Canceling

You can cancel any time online in Account → Plan & billing, in one step, or by emailing support@partnerbudget.app. When you cancel, you keep your paid features until the end of the period you’ve paid for, and you won’t be charged again. If you cancel during a free trial, you won’t be charged at all. Deleting your account also cancels your paid plan.

9. Community

Some plans include Community groups. What you post stays yours, but you give us a worldwide, non-exclusive, royalty-free license to host, store, display and share it inside the Service so the Community works, including with the members of the groups you post in. Follow our Community Guidelines. Posts from members are their own opinions, not advice from Partner, and we don’t check them for accuracy. We may remove content or limit accounts that break the rules.

10. Acceptable use

Don’t use the Service to break the law or to harm anyone. Don’t access accounts or information that aren’t yours, including connecting someone else’s bank account without their permission. Don’t scrape, copy or resell the Service, try to reverse engineer it (except where the law allows), probe or break its security, overload it, create accounts with bots, or pretend to be someone else.

11. Our content and your feedback

The Service, including our software, design, text, graphics and the Partner name and logo, belongs to Partner and its licensors and is protected by law. We give you a personal, non-transferable, revocable license to use the Service for your own household under these Terms. If you send us ideas or feedback, we may use them without any obligation to you.

12. Other companies’ services

The Service relies on other companies, including Stripe for payments, Plaid for account connections, and providers for hosting, email and AI. Their terms may also apply to you. We aren’t responsible for other companies’ services, websites or content, even if we link to them.

13. Disclaimers

To the fullest extent the law allows, the Service is provided “as is” and “as available,” without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy and non-infringement. We don’t promise that the Service will be uninterrupted, error-free or that it will produce any particular financial result.

14. Limits on our liability

To the fullest extent the law allows, Partner and its members, managers, employees and agents won’t be liable for any indirect, incidental, special, consequential or punitive damages, or for lost profits, savings, data or goodwill, arising from or related to the Service or these Terms. Our total liability for any claim related to the Service is limited to the greater of the amount you paid us in the 12 months before the claim or $100. Some states don’t allow some of these limits, so they may not all apply to you.

15. Indemnity

To the extent the law allows, you agree to defend and hold harmless Partner from claims, losses and costs (including reasonable attorneys’ fees) that come from your misuse of the Service, your content, or your breaking these Terms or the law.

16. Resolving disputes: arbitration and class-action waiver

Please read this section carefully. It affects your rights.

Talk to us first. Before filing a claim, email support@partnerbudget.app with a description of the problem and what you’d like us to do. We’ll try to work it out within 60 days.

Arbitration. If we can’t resolve it, you and Partner agree that any dispute arising from or relating to the Service or these Terms will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court, except that either of us may bring an individual claim in small-claims court, and either of us may ask a court to stop infringement of intellectual property. The arbitrator decides all issues except whether this section is enforceable, which a court decides. Arbitration can happen by video or phone, or in the county where you live. We’ll pay filing and arbitrator fees above what you would pay to file in court, unless the arbitrator finds your claim frivolous.

No class actions. You and Partner may bring claims only individually, not as a plaintiff or class member in any class, collective or representative proceeding, and the arbitrator can’t combine claims of different people. You and Partner each waive the right to a jury trial.

You can opt out. You can opt out of this arbitration agreement by emailing support@partnerbudget.app with your name, the email on your account and a clear statement that you opt out, within 30 days after you first agree to these Terms. Opting out won’t affect anything else in these Terms.

If any part of this section is found unenforceable, that part is removed and the rest still applies, except that if the class-action waiver is found unenforceable for a claim, that claim goes to court, not arbitration.

17. Governing law

Colorado law governs these Terms, without regard to conflict-of-law rules, except where federal law (including the Federal Arbitration Act) applies. For any claim not subject to arbitration, you and Partner agree to the state and federal courts located in El Paso County, Colorado, unless the law where you live gives you the right to sue in your home state.

18. Suspending or ending your use

You can stop using the Service and delete your account at any time. We may suspend or end your access if you break these Terms, if needed to protect you, others or the Service, or if the law requires it. If we end the Service for reasons unrelated to your conduct, we’ll refund any prepaid amount for the time you can’t use. Sections that by their nature should continue (such as 11 through 17) survive.

19. Changes to Partner and to these Terms

We may improve, change or stop features. We may update these Terms. If a change is material, we’ll tell you by email or in the Service before it takes effect. If you keep using the Service after a change takes effect, the updated Terms apply. If you don’t agree, cancel and stop using the Service.

20. Other terms

These Terms are the whole agreement between you and Partner about the Service. If a part is unenforceable, the rest still applies. If we don’t enforce a right, we haven’t waived it. You can’t transfer these Terms without our consent; we may transfer them as part of a merger, sale or reorganization. You agree to receive notices, receipts and agreements electronically. We aren’t responsible for delays caused by events outside our reasonable control.

21. Contact

Partner Limited Liability Company · 1914 Hercules Dr., Colorado Springs, CO 80905 · support@partnerbudget.app

Privacy Policy

Effective September 27, 2026 · Last updated September 27, 2026

1. Who we are and what this covers

This Privacy Policy explains how Partner Limited Liability Company (“Partner,” “we,” “us”) collects, uses and shares information when you use the Partner website, apps and related services (the “Service”). It also serves as our notice at collection for California residents. Questions? Email privacy@partnerbudget.app.

2. What we collect

Information you give us

• Account details: your name, email address and password. We store your password only as a salted, one-way hash.
• Budget and plan details you enter: envelopes, amounts, goals, debts, household details you choose to add, giving settings and your answers to planning questions.
• Messages: what you ask Partner AI, what you post in Community, and what you send our support team.
• Choices: your notification and email preferences, and records of your consent to our Terms and to automatic renewal.

Information from accounts you connect

If you connect a bank, card or other financial account, we receive through Plaid: the institution’s name, account names and types, the last four digits of account numbers, balances, and transactions (date, amount, merchant and description). We don’t receive or store your bank username or password.

Payment information

Stripe processes payments. Stripe collects your card or wallet details directly. We receive a customer ID, your plan and subscription status, billing dates, invoices, the card brand and last four digits, and the billing country and ZIP code.

Information collected automatically

Our servers log basic technical information, such as IP address, browser and device type, pages requested and times, to keep the Service secure and working. On the website we use one essential cookie to keep you signed in (see section 7). We don’t use advertising or cross-site tracking tools.

Location (iPhone app, optional)

If you turn on store alerts, the app uses your phone’s location to notice when you walk into a store. That check happens on your phone. We don’t store your location history on our servers.

3. How we use information

• To provide Partner: sort transactions into envelopes, calculate what’s safe to spend, build and update your plan, send alerts, and run Community.
• To answer your questions with Partner AI (see section 4).
• To bill you, send receipts, trial and renewal reminders, and account and security notices.
• To keep Partner safe: prevent fraud and abuse, secure accounts and fix problems.
• To improve Partner, using aggregated or de-identified information where we can.
• To send product news and tips, only if you opt in. You can opt out anytime.
• To comply with law and enforce our Terms.

We don’t use your financial information to show you ads or to sell you financial products.

4. Partner AI

When you ask Partner AI a question, we send your message and the parts of your budget and plan it needs to our AI service provider so it can write the answer. Our provider processes this information for us only to generate the response and keep its service safe, keeps it only for a limited time, and under our agreement doesn’t use it to train its models. Don’t include full account numbers, Social Security numbers or passwords in messages.

5. How we share information

We share personal information only as described here:

• Service providers who work for us under contract and may use it only to provide their services to us: Cloudflare (hosting and data storage), Stripe (payments), Plaid (account connections), our AI provider (Partner AI answers), and our email delivery provider.
• Apple, if you subscribe or get notifications through the iPhone app.
• Other members, for what you choose to post in a Community group, and your display name and optional stats if you turn them on.
• Legal and safety: when required by law or legal process, or to protect the rights, safety and property of our users, Partner or others.
• Business transfers: if Partner is involved in a merger, acquisition or sale of assets, subject to this policy.
• With your permission.

We do not sell personal information, and we do not share it for cross-context behavioral advertising or use it for targeted advertising. We haven’t done so in the past 12 months.

6. Plaid

We use Plaid Inc. to connect your financial accounts. By connecting an account, you acknowledge and agree that information about you and your accounts will be collected and handled by Plaid in accordance with the Plaid End User Privacy Policy. You can disconnect an account in Partner at any time.

7. Cookies and similar tools

The website uses one essential cookie, named __Host-ps, to keep you signed in for up to 30 days. It can’t be used to track you on other sites. We may also store preferences, such as whether you closed a notice, in your browser’s local storage. We don’t use analytics, advertising or social-media tracking cookies, and our fonts and code are served from our own site. We honor Global Privacy Control signals, though since we don’t sell or share personal information, there’s nothing further to switch off.

8. How long we keep information

We keep your information while your account is open. When you delete your account, we delete your account and financial data within 30 days, and from backups within 90 days. We keep billing and tax records for as long as tax and accounting law requires (generally seven years), and security logs for up to 12 months. To show what you agreed to, we keep a record of your agreement to a paid plan’s renewal terms (the plan, the price, the terms shown and the date) for three years, linked only to a one-way hash of your email address once your account is deleted. We also keep a one-way hash of the email address used for a free trial, so each person gets one trial. We may keep de-identified information that can’t reasonably be linked to you.

9. How we protect information

We encrypt information in transit, store passwords only as salted hashes, keep bank-connection tokens on our servers (never on your device), limit which staff and systems can access personal information, and use read-only access to your accounts. No system is perfectly secure, and we’ll notify you of a security breach as the law requires.

10. Your privacy choices and rights

• See and download your data: Account → Your data → Download my data.
• Correct it: edit your profile, budget and plan in the Service, or email us.
• Delete it: Account → Your data → Delete account, or email us.
• Disconnect a bank: in the app’s Accounts screen, at any time.
• Stop marketing emails: use the unsubscribe link, or turn them off in your profile. We’ll still send receipts and account notices.

State privacy rights. Depending on where you live (including California, Colorado, Connecticut, Virginia, Utah, Texas, Oregon and other states with privacy laws), you may have the right to know what personal information we collect and how we use it, to access and get a copy of it, to correct it, to delete it, and to opt out of its sale, sharing for targeted advertising, or profiling that has legal or similarly significant effects. We don’t sell or share personal information for advertising or use it for such profiling. We use sensitive information, such as financial account information, only to provide the Service you asked for. We won’t discriminate against you for exercising your rights.

To make a request, email privacy@partnerbudget.app from the email on your account, or use the tools in your account. We’ll confirm we received it and respond within 45 days (we may extend once by 45 days where the law allows and will tell you why). You may use an authorized agent; we may ask for proof of their authority and to verify your identity. If we deny your request, you can appeal by replying with the subject “Appeal.” We’ll respond to appeals within the time your state’s law requires. If you’re not satisfied, you can contact your state attorney general.

11. Children

Partner is only for adults 18 and older. We don’t knowingly collect information from anyone under 18. If you believe a minor has given us information, contact us and we’ll delete it.

12. Where we process information

Partner is offered in the United States, and we process and store information in the United States.

13. Changes to this policy

We’ll post any changes here and update the date at the top. If a change is material, we’ll tell you by email or in the Service before it takes effect.

14. Contact

Partner Limited Liability Company · 1914 Hercules Dr., Colorado Springs, CO 80905 · privacy@partnerbudget.app

Subscription & cancellation terms

Effective September 27, 2026 · Last updated September 27, 2026

1. Plans and prices

Prices are in U.S. dollars. Sales tax is added where required and shown before you pay.

2. How the free trial works

If you haven’t had a paid Partner plan or trial before, your first Basic or Pro plan starts with a 14-day free trial. You add a payment method when you start the trial, but you aren’t charged during it. At the end of the trial, your plan automatically becomes paid and we charge the monthly price shown when you signed up. We email you a reminder before your trial ends. Cancel any time before the trial ends and you won’t be charged. One free trial per person. To apply this, we keep a one-way hash of the email address used for each trial.

3. Automatic renewal

Your paid plan renews automatically every month, on the same day of the month your paid period started, until you cancel. Each month we charge the plan price plus any sales tax to your payment method on file. By starting a paid plan or trial, you agree to these recurring charges. Once a year, we’ll email you a reminder of your plan, its price and how to cancel.

4. How to cancel

• Online, in one step: log in, go to Account → Plan & billing, and select Cancel plan. Your plan is canceled right away, and we email you a confirmation.
• By email: write to support@partnerbudget.app from the email on your account. We’ll cancel within one business day and confirm by email.
• If you subscribed through Apple: cancel in your iPhone’s Settings → your name → Subscriptions.

After you cancel, you keep your paid features until the end of the period you’ve already paid for (or the end of your trial), and then your account moves to the Free plan. You won’t be charged again. You can resume your plan anytime before it ends. You may see an offer when you cancel, but the option to finish canceling will always be right there.

5. Changing plans

You can switch between Basic and Pro anytime in Account → Plan & billing. The change starts right away, and the price difference for the rest of the month is prorated on your next bill.

6. Price changes

If we change a plan’s price, we’ll email you before the new price applies to you, within the timing required by law (for example, between 7 and 30 days before the change for California customers), with the new price, when it starts, and how to cancel. If you don’t want to pay the new price, cancel before it takes effect.

7. Failed payments

If a charge fails, we’ll email you and retry over the following days. You can update your card in Account → Plan & billing. If we still can’t collect payment, your account moves to the Free plan. Your data stays.

8. Refunds

Monthly charges aren’t refundable for partial months, except where the law requires or if we charged you in error. If you think a charge is wrong, contact support@partnerbudget.app within 60 days of the charge and we’ll look into it. For App Store purchases, Apple handles refunds.

9. Receipts and records

We email a receipt for every charge, and you can download past receipts from Account → Plan & billing. We keep a record of your agreement to these renewal terms.

10. Contact

Partner Limited Liability Company · 1914 Hercules Dr., Colorado Springs, CO 80905 · support@partnerbudget.app

Disclosures

Effective September 27, 2026 · Last updated September 27, 2026

Guidance, not advice

Partner is educational budgeting and planning software. Partner is not a bank, broker-dealer, registered investment adviser, insurance agency, accountant, tax preparer or law firm. Nothing in the Service is individualized investment, tax or legal advice, or a recommendation to buy or sell any security, insurance or other financial product. Consider speaking with a qualified professional before making important financial decisions.

Partner AI

Partner AI uses artificial intelligence to explain your numbers. Its answers can be wrong or incomplete. Check important figures before acting on them.

Projections and simulations

Payoff dates, savings timelines, net-worth milestones and retirement odds are estimates. They depend on your information and on assumptions such as a balanced 60/40 portfolio returning 7.00% a year with 11.0% volatility, based on historical market data. Past performance doesn’t guarantee future results, and actual outcomes will differ.

Examples on this website

The people, households, balances, groups and conversations shown on this website are examples created to show how Partner works. They aren’t real customers or real results.

Price comparisons

Other apps’ prices are their published standard plans as of September 2026 and may have changed: month-to-month prices of YNAB $14.99, Monarch Money $14.99 and Copilot Money $13.00. Some of these apps cost less per month when paid yearly (for example, Monarch Money $99.99 a year, YNAB $109 a year and Copilot Money $95 a year). Planner fees are typical ranges, not quotes: a one-time plan from a certified financial planner often costs $2,000 to $5,000, and ongoing advice often costs about 1% of assets a year.

Bank connections

Account connections are provided by Plaid and are read-only. Partner doesn’t hold deposits and can’t move money. Balances and transactions come from your financial institutions and may be delayed or inaccurate.

Find a pro

Our directory lists independent professionals. Partner doesn’t take referral fees from them and doesn’t endorse or supervise them. Check credentials yourself, for example with FINRA BrokerCheck, the SEC’s Investment Adviser Public Disclosure site, or the CFP Board.

Community

Posts in Community come from members and reflect their own experiences and opinions, not advice from Partner.

Trademarks

Other product and company names mentioned, including YNAB, Copilot Money, Monarch Money, Apple, App Store, Chrome, Safari, Edge, Plaid and Stripe, belong to their owners. Partner isn’t affiliated with or endorsed by them.

Community guidelines

Effective September 27, 2026 · Last updated September 27, 2026

Community works because people are honest about money. These guidelines keep it safe and useful. Breaking them can get posts removed or accounts limited.

Be kind and real

Share what actually happened, wins and setbacks. Disagree with ideas, not people. No harassment, hate, threats or shaming anyone for their situation.

Protect privacy

Never post account numbers, card numbers, Social Security numbers, passwords, or anyone else’s personal information. Blur screenshots before you share them.

Experience, not advice

Say what worked for you, not what others must do. Don’t present investment picks as certainties, and don’t promise returns. For important decisions, point people to a qualified professional.

No selling or soliciting

No ads, referral links, affiliate codes, get-rich-quick schemes, crypto or stock promotions, loans, or requests for money. Don’t recruit people into businesses or groups outside Partner.

Keep it legal and safe

Nothing illegal, fraudulent, sexually explicit or dangerous. If someone seems to be in crisis, encourage them to contact local emergency services or a crisis line such as 988 in the United States.

Reporting and enforcement

Use Report on any post or message, or email support@partnerbudget.app. We review reports, may remove content, and may warn, pause or remove accounts that break these guidelines or our Terms.