Terms of Service

1. Acceptance of Terms

By accessing or using Winnowfi ("the Service"), you agree to these Terms of Service ("Terms") and our Privacy Policy. If you do not agree, you may not use the Service. These Terms apply to all users, including visitors, registered users, and paying customers.

If you are using the Service on behalf of a company or other legal entity, you represent that you have authority to bind that entity to these Terms.

2. Description of Service

Winnowfi is a subscription tracking platform that helps you identify, monitor, and manage your recurring digital payments. We connect to your bank accounts through Plaid, a licensed financial data aggregator, to detect subscription charges automatically. We also allow you to add subscriptions manually.

We do not initiate, modify, or cancel payments on your behalf. Winnowfi is a read-only tracking tool — we observe your transactions and provide insights; we do not touch your money.

3. Account Registration and Eligibility

To use Winnowfi, you must create an account with accurate, current, and complete information. You are responsible for maintaining the confidentiality of your credentials and for all activity that occurs under your account.

• You must be at least 18 years old to use the Service.
• You may not create more than one account per person.
• You must notify us immediately if you suspect unauthorized access to your account.
• You may not transfer your account to another person.

4. Financial Data and Bank Connectivity

To detect subscriptions automatically, Winnowfi uses Plaid to access your bank account transaction history on a read-only basis. We do not store your banking credentials. Plaid handles authentication directly with your bank.

By connecting a bank account, you authorize Winnowfi to retrieve up to 24 months of historical transactions at the time of connection, and to receive ongoing transaction updates via Plaid webhooks for as long as the connection remains active.

You may disconnect your bank account at any time from your account settings. Upon disconnection, we stop receiving new transaction data and Plaid's access is immediately revoked.

5. Subscription Plans and Billing

Winnowfi offers a free tier and a paid Premium plan billed monthly through Stripe, our payment processor. By subscribing to a paid plan, you authorize us to charge your payment method on a recurring basis.

• Premium is billed monthly. The current price is displayed at checkout and on the Pricing page.
• You may cancel anytime from your billing settings. Cancellation takes effect at the end of the current billing period — you retain access until then.
• We reserve the right to change pricing with at least 30 days' advance notice by email.
• Refunds are generally not provided for partial subscription periods, except where required by law.
• Failed payments may result in temporary suspension of Premium features. We use Stripe Smart Retries to recover failed charges.
• If your subscription lapses, your manually added subscriptions are preserved but bank connectivity and auto-detection are suspended.

6. Free Tier Limitations

The Free tier allows up to 3 manually added subscriptions. Bank connectivity, automatic subscription detection, and advanced analytics require a Premium subscription. We reserve the right to modify free tier limits with 30 days' notice.

7. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of applicable regulations
• Attempt to gain unauthorized access to any part of the Service or its infrastructure
• Reverse engineer, decompile, disassemble, or attempt to extract the source code of the Service
• Use automated tools to scrape, crawl, or extract data from the Service
• Share, sell, or transfer your account credentials to any third party
• Interfere with or disrupt the integrity or performance of the Service
• Use the Service to store or transmit harmful, malicious, or offensive content
• Attempt to circumvent any rate limiting, security, or access controls

8. Intellectual Property

All content, features, functionality, and technology of the Service — including but not limited to the software, text, graphics, logos, icons, and subscription detection algorithms — are owned by or licensed to Winnowfi and are protected by applicable intellectual property laws.

We grant you a limited, non-exclusive, non-transferable license to use the Service for your personal, non-commercial subscription tracking purposes only. Nothing in these Terms transfers any intellectual property rights to you.

9. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

Winnowfi does not warrant that: (a) the Service will be uninterrupted or error-free; (b) subscription detection will be complete, accurate, or timely; (c) any specific subscription will be detected or categorized correctly. Financial decisions should not be made based solely on data provided by the Service.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, Winnowfi AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR USE OF OR INABILITY TO USE THE SERVICE.

OUR TOTAL CUMULATIVE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF: (A) THE AMOUNTS YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM, OR (B) $100 USD.

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.

11. Indemnification

You agree to indemnify, defend, and hold harmless Winnowfi and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with: (a) your access to or use of the Service; (b) your violation of these Terms; or (c) your violation of any third-party rights.

12. Termination

You may delete your account at any time from your account settings. Upon deletion, we will remove your personal data within 30 days in accordance with our Privacy Policy.

We may suspend or terminate your account immediately, without prior notice or liability, if you breach these Terms, engage in fraudulent activity, or if required by law. Upon termination, your right to use the Service ceases immediately.

13. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of the State of California, United States, without regard to its conflict of law provisions.

Informal resolution: Before filing any legal claim, you agree to contact us at [email protected] and give us 30 days to attempt to resolve the dispute informally.

Arbitration: If informal resolution fails, disputes shall be resolved by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules. The arbitration will be conducted in English, on an individual basis. You waive your right to participate in a class action lawsuit or class-wide arbitration.

Nothing in this section prevents either party from seeking injunctive or other equitable relief in a court of competent jurisdiction.

14. Changes to Terms

We may update these Terms from time to time. When we make material changes, we will notify you by email at least 14 days before the changes take effect and update the version number and date at the top of this page.

Continued use of the Service after the effective date of any changes constitutes your acceptance of the new Terms. If you do not agree to the new Terms, you must stop using the Service and may delete your account.

15. General Provisions

• Entire Agreement: These Terms, together with the Privacy Policy, constitute the entire agreement between you and Winnowfi regarding the Service.
• Severability: If any provision of these Terms is found unenforceable, the remaining provisions remain in full force.
• Waiver: Our failure to enforce any right or provision of these Terms will not be considered a waiver of that right.
• Assignment: You may not assign these Terms or any rights hereunder without our prior written consent. We may assign these Terms without restriction.
• Force Majeure: Neither party shall be liable for delays or failures in performance resulting from circumstances beyond their reasonable control.

16. Contact

If you have questions about these Terms, please contact us: