Breadly – Terms of Service

Local on-device data storage using SQLite.

Financial accounts with multiple types: savings (with target amount and target date), checking, debt (with due date, counterparty, and interest rate), and credit card (with credit limit, billing day, and payment due day).

Multi-currency support with per-account currency selection and exchange rate conversions. Exchange rates are sourced from third-party providers and may be delayed or inaccurate.

Hierarchical expense and income categories with subcategories, custom icons, ordering, and archiving.

Transaction types: expense, income, transfer (including cross-currency transfers between accounts), and balance adjustment.

A built-in calculator for transaction entry.

Date range filtering for financial data (day, week, month, year, all time, and custom ranges).

Budgets and activities for organizing spending.

Subscription-managed premium access with optional paid cloud synchronization across devices.

Optional CSV import tools for categories and transactions.

You should not rely on Breadly as a substitute for professional financial advice, certified accounting software, or official financial records.

Exchange rates, calculations, balances, and reports generated by the app are for informational and personal tracking purposes only.

Breadly is not a certified, audited, or regulated accounting system and should not be used as the sole record for tax filings, legal proceedings, or official financial reporting.

All financial, tax, investment, and legal decisions remain your sole responsibility. You should consult qualified professionals for such matters.

Maintaining the confidentiality of your account credentials.

All activity that occurs under your account.

Providing accurate and up-to-date information.

Payment is charged to your Apple ID account (App Store) or Google account (Google Play) at confirmation of purchase.

Subscriptions automatically renew unless auto-renew is turned off at least 24 hours before the end of the current billing period.

Your account will be charged for renewal within 24 hours prior to the end of the current period at the then-current subscription rate.

You can manage and cancel your subscription at any time through your device's account settings (App Store or Google Play).

Any unused portion of a free trial period, if offered, is forfeited when you purchase a subscription.

Payments are processed exclusively by the Apple App Store or Google Play Store and validated via RevenueCat. Nazar Palamarchuk does not process payments directly.

Refunds are governed by the respective platform's refund policies (Apple or Google). Nazar Palamarchuk cannot issue refunds.

Prices may change with reasonable notice. Continued subscription after a price change constitutes acceptance of the new price.

On iOS: Settings > [Your Name] > Subscriptions.

On Android: Google Play Store > Menu > Subscriptions.

Updates may modify app functionality, fix bugs, add or remove features, or change the user interface.

Nazar Palamarchuk is not obligated to provide any specific updates, patches, or fixes.

Continued use of Breadly after an update constitutes acceptance of the updated version.

If you do not agree with changes introduced by an update, you should stop using the app.

You will be given a reasonable opportunity to export or back up your data during the notice period.

Subscription refunds for any prepaid and unused period are handled exclusively by the Apple App Store or Google Play Store in accordance with their respective refund policies. Nazar Palamarchuk does not process refunds directly.

Nazar Palamarchuk shall not be liable for any losses or damages arising from the modification, suspension, or discontinuation of the service.

Early access features are experimental and are provided with even fewer guarantees than the general service.

Early access features may be modified, restricted, or removed at any time without notice.

Nazar Palamarchuk makes no warranty of any kind regarding the availability, reliability, accuracy, or performance of early access features.

Data created using early access features may be affected if the feature is modified or removed.

By using early access features, you accept these additional risks.

Local data is stored solely on your device and is subject to all device-level risks, including but not limited to: sign-out effects, uninstall, device failure, hardware malfunction, operating system updates, app updates, accidental deletion, device theft or loss, factory reset, and storage corruption.

Nazar Palamarchuk has no access to, control over, or ability to recover locally stored data. You are solely responsible for maintaining backups of your device.

Nazar Palamarchuk is not liable for any data loss, data corruption, or data inaccuracy that may occur for any reason, including but not limited to software bugs, crashes, device malfunctions, operating system incompatibilities, or user error.

Cloud synchronization, if enabled, is provided on an "AS IS" basis and may experience interruptions, delays, data conflicts, temporary unavailability, or third-party outages.

Exchange rates displayed within the app are provided for informational and convenience purposes only. Rates may be delayed, incomplete, or inaccurate and must not be relied upon for financial, legal, or tax decisions.

You are solely responsible for verifying the accuracy of all financial records, calculations, balances, and reports generated by the app.

Breadly is a personal tracking tool and is not a certified, audited, or regulated accounting system. It should not be used as the sole record for tax filings, legal proceedings, or official financial reporting.

AI-generated output is automated and may contain inaccuracies, omissions, or misinterpretations.

You remain solely responsible for reviewing and verifying all AI-extracted or AI-generated data before relying on it.

Nazar Palamarchuk makes no warranty regarding the accuracy, completeness, or reliability of AI-generated results.

AI features may rely on third-party providers and may involve cross-border processing (including the United States or other jurisdictions), subject to provider terms and availability.

AI processing may occur on-device, in the cloud, or a combination of both, depending on the feature and implementation.

AI features are optional. You may use Breadly without enabling them.

Before AI features are activated, we will update the Privacy Policy and required App Store/Play Store privacy disclosures to reflect live AI data handling.

Synced server-side data is not protected by additional application-level encryption at rest by Nazar Palamarchuk.

Synced data may be stored in readable form for authorized operational access, and Nazar Palamarchuk may access synced data for support or troubleshooting.

Security relies primarily on standard provider/server access controls and transport encryption.

Nazar Palamarchuk is not responsible for the availability, performance, security, or actions of any third-party service.

Outages, errors, or data loss caused by third-party services are not the responsibility of Nazar Palamarchuk.

Your use of third-party services may be subject to their own terms of service and privacy policies.

Nazar Palamarchuk does not warrant that third-party services will be uninterrupted, error-free, or available at all times.

Copy, modify, or distribute the app or its content.

Reverse engineer, decompile, or disassemble any part of the app.

Use the app's content for commercial purposes without written permission.

Remove or alter any proprietary notices or labels.

Use Breadly for any unlawful purpose or in violation of any applicable laws.

Attempt to reverse engineer, decompile, disassemble, or derive the source code of the app.

Interfere with or disrupt the app's servers, networks, or infrastructure.

Attempt to gain unauthorized access to any part of the app or its related systems.

Use automated scripts, bots, or scraping tools to access or collect data from the app.

Transmit any viruses, malware, or harmful code through the app.

Impersonate any person or entity or misrepresent your affiliation.

Feedback is provided voluntarily and without any obligation of confidentiality.

Nazar Palamarchuk is free to use, incorporate, modify, distribute, and commercialize Feedback without restriction, attribution, or compensation to you.

You waive any and all claims to intellectual property rights, moral rights, or compensation related to Feedback.

Nothing in this section obligates Nazar Palamarchuk to implement any Feedback.

You violate these Terms of Service.

Your use poses a security risk or may cause harm to other users or the service.

Required by law or legal process.

Your right to use the app ceases immediately.

Local data remains on your device until you delete it.

Synced data will be deleted in accordance with our Privacy Policy.

Provisions that by their nature should survive termination (including liability limitations, disclaimers, indemnification, and dispute resolution) will survive.

Nazar Palamarchuk shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to: loss of data, loss of financial records, financial losses arising from inaccurate tracking or calculations, loss of profits, loss of goodwill, or business interruption.

Nazar Palamarchuk shall not be liable for any damages arising from: software bugs or defects, data loss or corruption (whether local or synced), device malfunction or incompatibility, third-party service failures or outages, inaccurate AI-generated data, inaccurate or delayed exchange rate data, reliance on exchange rate conversions for financial decisions, changes to features or data resulting from over-the-air (OTA) updates, modification or removal of early access or beta features, unauthorized access to your account, or any cause beyond the reasonable control of Nazar Palamarchuk.

The total aggregate liability of Nazar Palamarchuk for any and all claims arising from or related to your use of Breadly shall not exceed the total amount of subscription fees you have actually paid to Nazar Palamarchuk in the twelve (12) months immediately preceding the event giving rise to the claim, or ten US dollars (USD $10), whichever is greater.

IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

WARRANTIES THAT THE APP WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF BUGS OR DEFECTS.

WARRANTIES REGARDING THE ACCURACY, RELIABILITY, OR COMPLETENESS OF ANY FINANCIAL DATA, CALCULATIONS, EXCHANGE RATES, OR REPORTS GENERATED BY THE APP.

WARRANTIES REGARDING THE AVAILABILITY OR PERFORMANCE OF CLOUD SYNCHRONIZATION OR ANY THIRD-PARTY SERVICES.

WARRANTIES OF CONTINUOUS AVAILABILITY, SUPPORT RESPONSE TIMES, OR ANY SERVICE-LEVEL COMMITMENT.

Data loss, corruption, or inaccuracy (whether local or synced).

Inaccurate calculations, balances, exchange rates, or reports.

Device incompatibility, hardware or software failures, and operating system conflicts.

Service interruptions, outages, or unavailability of cloud services or third-party providers.

Changes to features, functionality, or data resulting from app updates (including over-the-air updates).

Loss of data or functionality resulting from early access or beta feature changes.

Your use or misuse of Breadly.

Your violation of these Terms.

Your violation of any applicable law or regulation.

Any financial decisions you make based on data from the app.

Any content or data you input into the app.

You are not located in a country that is subject to a comprehensive trade embargo by the United States, European Union, or United Nations.

You are not listed on any applicable denied-party, blocked-persons, or restricted-entity list.

You will not use the app in violation of any applicable export, import, or sanctions laws.

These Terms are between you and Nazar Palamarchuk only, not with Apple Inc. ("Apple") or Google LLC ("Google").

Nazar Palamarchuk, not Apple or Google, is responsible for Breadly and its content.

Apple and Google have no obligation to provide maintenance or support services for Breadly.

In the event of a failure of Breadly to conform to any applicable warranty, you may notify Apple or Google, and they may refund the purchase price (if any) paid for the app. To the maximum extent permitted by law, Apple and Google have no other warranty obligations regarding Breadly.

Apple and Google are not responsible for addressing claims relating to Breadly or your possession/use of Breadly, including product liability claims, legal/regulatory compliance claims, and consumer protection claims.

In the event of any third-party claim that Breadly or your possession/use of Breadly infringes a third party's intellectual property rights, Nazar Palamarchuk, not Apple or Google, is responsible for investigation, defense, settlement, and discharge of that claim.

Apple and Google, and their subsidiaries, are third-party beneficiaries of this section and may enforce this section against you.

If there is a conflict between these Terms and mandatory Apple App Store or Google Play terms for platform-specific matters, the relevant platform terms control only for those matters.

You must comply with all applicable third-party terms when using Breadly (for example, your wireless data service agreement).

An in-app notification, or

An update to the "Last updated" date at the top of these Terms.