Slowburn Terms of Service

Effective date: 2026-10-16.

Slowburn is operated by Swellborn LLC ("we," "us," or "our"). These terms are an agreement between you and Swellborn LLC about the Slowburn app, the website at slowburn.money, and related services ("Slowburn"). Our Privacy Policy explains how we handle your information.

Please read section 14. It requires most disputes between you and us to be resolved by individual arbitration, not in court or in a class action. You can opt out of arbitration within 30 days of first agreeing to these terms (section 14.8).

1. Agreeing to these terms

You agree to these terms when you sign in to Slowburn for the first time. If you keep using Slowburn after an updated version takes effect, you agree to that version (section 16). If you don't agree, don't use Slowburn.

When you subscribe, the checkout screen shows the price and renewal terms and asks you to agree to them before you're charged.

2. Who can use Slowburn

You must be at least 18, live in the United States, and use Slowburn for your own or your household's personal finances. You can't use Slowburn if US law bars you from receiving it.

3. Your account

You sign in with Apple or Google. Keep your devices and those accounts secure, and don't share your Slowburn sign-in with anyone. Each account is for one person. You're responsible for activity you authorize in your account.

If you think someone has used your account without permission, email support@slowburn.money. Never email us bank passwords, sign-in codes or other secrets.

You can delete your account at any time in Profile → Delete account. Uninstalling the app doesn't delete your account.

4. What Slowburn does and doesn't do

Slowburn shows your accounts, balances, transactions and net worth in one place. It sorts purchases into spending categories, lets you split and recategorize them, and estimates a monthly burn rate: how much you can spend each month given your accounts, pay, plans and the assumptions you choose. It also projects how your net worth could change over time.

Slowburn is a software tool for organizing and understanding your own finances. Slowburn is not a bank and doesn't hold, move or invest your money. It doesn't pay bills, make transfers, place trades, lend money, or report to credit bureaus.

Slowburn doesn't give investment, tax, legal or financial-planning advice. We aren't a registered investment adviser, broker-dealer, financial planner, accountant or fiduciary, and using Slowburn doesn't create any of those relationships. Slowburn doesn't recommend buying or selling any security or fund. For advice about your situation, talk to a qualified professional.

5. Estimates and categories can be wrong

Slowburn's numbers are estimates. Don't make an important financial decision based only on them.

Balances and transactions come from your banks, stores and other providers, and can be delayed, incomplete, duplicated or wrong. Slowburn isn't the official record of any account; your bank's records are.

Slowburn sorts purchases into categories automatically using AI. Some categories will be wrong, and a confidence level isn't a guarantee. You can change any category.

Your burn rate and net-worth projections depend on the information available and on assumptions such as future pay, spending, investment returns, inflation and retirement age. You can change those assumptions. A burn rate is not a promise that spending that amount is safe, that future income will arrive, that you can meet every future expense, or that investments will grow. Real results will differ.

6. Connecting banks, stores and other services

Banks and other financial accounts. You connect bank, card, loan and investment accounts through Plaid. When you do, you authorize us and Plaid to access and import information from that institution on your behalf, and to keep importing updates until you disconnect. Plaid handles your information as described in its End User Privacy Policy. Your institution's own terms still apply to your accounts.

Stores. Slowburn can also read your order history from stores you connect, such as Amazon and Walmart. You sign in to the store yourself inside the app.

Your authorization. For each bank, store or other source you connect, you direct Slowburn to retrieve your information from it on your behalf. You appoint Slowburn and its service providers as your agent, with a limited power of attorney, only for that purpose. Disconnecting a source ends this for that source. Only connect accounts you own or are authorized to access.

Each source has its own terms, and you're responsible for following them. Slowburn isn't endorsed or sponsored by any bank, store or other source you connect; their names are their trademarks. Sources can change or stop supporting a connection, and we don't control them. We don't guarantee that we can retrieve information from any source, or that it's complete or accurate.

You can disconnect a source at any time in the app. Disconnecting stops new imports; it doesn't delete history already imported. Deleting your account does.

Other services. Apple, Google, Plaid, Stripe and the stores you connect run their own services under their own terms. We aren't responsible for them, and your use of them is between you and them.

7. Your information

You keep ownership of the information you add to or connect to Slowburn. You give us a worldwide, royalty-free license to use, store, copy, process and display it, and to share it with our service providers, to provide, maintain, secure and improve Slowburn, including its AI features, as our Privacy Policy describes. The license ends when you delete your account, except for the copies the Privacy Policy says we keep.

We don't sell your personal information or share it for targeted advertising. The Privacy Policy explains who can see your information, including our AI providers and the people operating Slowburn.

You're responsible for the accuracy of information you enter yourself, such as manual accounts, pay and plans.

8. The free week, subscriptions and codes

Plans. Slowburn starts with a free week. After that, a subscription keeps it working. You can subscribe monthly or yearly on our website, where Stripe processes payment, or in the App Store, where Apple does. Website prices can be lower than App Store prices. Prices may include or add sales tax as shown at checkout.

What you see first. Before you subscribe, you see the plan, the price, how often you're charged, when the first charge happens, and how to cancel.

Automatic renewal. Your subscription renews automatically at the end of each month or year, and you're charged the price then in effect, until you cancel. You can cancel at any time (section 9).

The free week. Each account gets one free week. If you've had a subscription before, or free access from a code has ended, you don't get another one.

• On the website: Stripe saves your payment method when you start the free week and charges it when the free week ends, unless you cancel before then. We email you a reminder before it ends.
• In the App Store: Apple charges your Apple Account when the free week ends unless you cancel at least 24 hours before it ends.

Reminders. While your subscription is active, we email you at least once a year with your plan, its price, how often you're charged, and how to cancel.

Price changes. If we change the price of your subscription, we email you 7 to 30 days before the new price applies to you, with how to cancel. A new price starts at your next renewal, never partway through a period you've paid for. For App Store subscriptions, Apple also notifies you and, where Apple requires, asks you to agree.

Failed payments. If a payment fails, Stripe or Apple may try it again. If it still can't be collected, Slowburn stops working until you update your payment method. Your information stays saved.

Invite and promotion codes. An invite code gives free access for the time it states. Some codes have no end date; we may end that access if we stop offering Slowburn or if the code was obtained or used in breach of these terms. Promotion codes at website checkout give the discount shown when you apply them. Codes have no cash value, can't be sold or transferred, and can be used once per account. When free access from a code ends, Slowburn asks you to subscribe; we don't charge you unless you do.

Referrals

Your link. Each account has a referral link and code to share with people you know. Someone who has never subscribed or used a code can enter yours before they subscribe. Each person can join through one referral, and you can't refer yourself.

Free months. When a friend who joined with your code subscribes on our website, and their first payment is 35 days old, hasn't been refunded or disputed, and wasn't made with a card saved to your account, you each get one free month: your next charge moves one month later. If you don't have a website subscription then, your month is saved and added once you do. Subscriptions bought in the App Store don't earn referral months. A friend who has already canceled when the months are given doesn't get one.

What the referrer sees. If you join with someone's code, they see the first letter and domain of your email address, and whether you're trying Slowburn, have paid, or earned the free month.

Fair use. Share your link with people you know. Don't send spam, advertise with our name, post your link on coupon sites, or make accounts to refer yourself. Referral months have no cash value and can't be sold or transferred. We may cancel months earned in breach of these terms. We may change or end the referral program; months already earned stay earned.

9. Canceling and refunds

Canceling on the website. Open Profile → Subscription and cancel. You don't need to contact us. You can also email support@slowburn.money.

Canceling in the App Store. Open your iPhone's Settings, tap your name, then Subscriptions. Apple manages these subscriptions; we can't cancel them for you.

Canceling stops future charges. Slowburn keeps working until the end of the period you've paid for. If you cancel during the free week, you aren't charged.

Deleting your account cancels a website subscription. It doesn't cancel an App Store subscription; cancel that in Settings.

Refunds on the website. Subscription fees aren't refundable, except as these terms say or the law requires. If you subscribed on our website, cancel within one month of your first purchase, and email support@slowburn.money within 5 days of canceling, we refund it. We may give other refunds, credits or discounts at our discretion; giving one doesn't mean we'll give it again.

Refunds in the App Store. Apple handles refunds for App Store purchases. Request one at reportaproblem.apple.com.

10. Using Slowburn fairly

Don't:

• use Slowburn to break the law or to harm, defraud or harass anyone;
• connect or view accounts or information you aren't authorized to access;
• probe, bypass or interfere with Slowburn's security, sign-in checks or usage limits;
• copy, modify or reverse-engineer Slowburn's software, except where the law allows it;
• access Slowburn with bots, scrapers or other automated tools, or overload our systems;
• upload malicious code; or
• sell, rent or share access to Slowburn.

Some features have limits, such as how often you can recategorize all your purchases. The app shows the limit where it applies.

If you find a security problem, please tell us at support@slowburn.money. Don't include secrets or anyone's financial records.

11. Our software and your feedback

We give you a personal, non-exclusive, non-transferable license to use Slowburn on devices you own or control while you follow these terms. We keep all rights in Slowburn's software, design, name and logo. Open-source components are covered by their own licenses.

If you send us ideas or feedback, we may use them freely, without paying you or owing you anything.

12. Changes to Slowburn and ending your access

We may change, add or remove features, supported institutions and stores, or service providers, or stop offering Slowburn, at any time.

You can stop using Slowburn and delete your account at any time.

We may suspend or end your access at any time, including if you break these terms, your use creates a security or legal risk, the law requires it, or a subscription payment can't be collected. If you think we made a mistake, email support@slowburn.money.

Sections 5, 7, 9 (refunds), and 11 through 18 keep applying after your account ends.

13. Disclaimers and limits on liability

To the extent the law allows, Slowburn is provided "as is" and "as available." We disclaim all implied warranties, including merchantability, fitness for a particular purpose, accuracy and non-infringement. We don't promise that Slowburn will always be available or free of errors, or that information from banks, stores or other providers will be complete or correct.

To the extent the law allows:

• we aren't liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, savings or opportunities, arising from Slowburn or these terms; and
• our total liability for all claims arising from Slowburn or these terms is limited to the greater of $100 or the amount you paid us for Slowburn in the 12 months before the event that gave rise to the claim.

These limits don't apply to liability for fraud, willful injury, gross negligence, or a violation of law, or to any liability or consumer right that the law doesn't allow us to limit or waive. Some states don't allow certain limits, so they apply to you only as far as your state's law permits.

If someone brings a claim against us because you deliberately broke these terms or the law, or infringed someone else's rights, you'll cover our reasonable losses and costs from that claim, to the extent the law allows.

14. Resolving disputes

14.1 Talk to us first

Before starting an arbitration or a small-claims case, email support@slowburn.money with the subject "Dispute." Include your name, the email on your account, what happened, and what you'd like us to do. We'll do the same by emailing you. Both sides will try in good faith to resolve it within 30 days. Deadlines for bringing a claim are paused during those 30 days.

14.2 Arbitration instead of court

If we can't resolve it, you and we agree that any dispute arising from or relating to Slowburn or these terms will be resolved by binding individual arbitration, except as section 14.4 provides. In arbitration there is no judge or jury, and a court's review of the decision is limited. The arbitrator can award the same individual relief a court could, and must follow these terms. The arbitrator decides whether a dispute must be arbitrated, except that a court decides the issues in sections 14.5 and 14.6. The Federal Arbitration Act governs this section.

14.3 How arbitration works

The American Arbitration Association (AAA) runs the arbitration under its Consumer Arbitration Rules, available at adr.org. One arbitrator decides. The hearing takes place by video, by phone, or on written submissions, or in person in the county where you live, as you choose.

You pay only the AAA consumer filing fee, and we reimburse it if your claim is for $10,000 or less. We pay all other AAA and arbitrator fees, on time. Each side pays its own lawyers unless the law or the AAA rules let the arbitrator award fees.

14.4 What isn't arbitrated

• Either of us can bring an individual claim in small-claims court instead.
• Either of us can ask a court to stop unauthorized access to Slowburn or infringement of intellectual property.
• A claim for public injunctive relief (relief that mainly benefits the public) goes to court. It waits until the individual claims in the same dispute are decided in arbitration.

14.5 Individual claims only

You and we can bring claims only individually, not as a plaintiff or class member in a class, collective or representative action, and an arbitrator can't combine claims of different people except as section 14.6 provides. If a court decides that this section 14.5 can't be enforced for a particular claim, that claim alone goes to court, and the rest of section 14 still applies.

14.6 Many similar claims

If 25 or more similar claims are brought against us, or by us, by the same or coordinated lawyers, the AAA's Mass Arbitration Supplementary Rules apply and the claims may be handled in batches. Deadlines for bringing those claims are paused while they wait.

14.7 Courts and governing law

California law governs these terms, except that the Federal Arbitration Act governs section 14. Any claim that goes to court, other than a small-claims case, will be brought in the state courts of San Francisco County, California, or the US District Court for the Northern District of California. A small-claims case can be brought where you live.

14.8 Opting out

You can opt out of arbitration by emailing support@slowburn.money with the subject "Arbitration opt-out" within 30 days of first agreeing to these terms. Include your name and the email on your account. Opting out doesn't affect anything else in these terms.

If we make a material change to section 14, you can reject it by emailing us the same way within 30 days of our notice, and the version you last agreed to keeps applying to you.

15. App Store terms

If you got Slowburn from Apple's App Store, these points also apply:

• These terms are between you and Swellborn LLC, not Apple. We, not Apple, are responsible for Slowburn and its content.
• Your license is to use Slowburn on Apple-branded devices you own or control, as allowed by the Usage Rules in Apple's Media Services Terms and Conditions.
• We, not Apple, are responsible for maintenance and support. Apple has no obligation to provide either.
• If Slowburn fails to meet a warranty that applies to it, you can tell Apple, and Apple will refund what you paid for the app. To the extent the law allows, Apple has no other warranty obligation for Slowburn.
• We, not Apple, are responsible for handling claims about Slowburn, including product-liability claims, claims that it fails to meet a legal or regulatory requirement, and claims under consumer-protection or privacy laws.
• If someone claims that Slowburn infringes their intellectual property, we, not Apple, are responsible for investigating, defending, settling and resolving that claim.
• You confirm that you aren't located in a country subject to a US government embargo or designated as supporting terrorism, and that you aren't on any US government list of prohibited or restricted parties.
• You must follow any third-party terms that apply when you use Slowburn, such as your wireless carrier's.
• Apple and its subsidiaries are third-party beneficiaries of these terms and can enforce them against you.

Our contact details are in section 18.

16. Changes to these terms

We may change these terms at any time. We'll post each new version with its effective date. For a material change, we'll make reasonable efforts to tell you ahead of time, by email or in the app.

If you keep using Slowburn after a change takes effect, you accept the new terms. If you don't agree, stop using Slowburn and delete your account. Changes to section 14 follow section 14.8.

17. General terms

Electronic communications. You agree to receive notices, receipts and other messages about your account by email or in the app. Messages about your account and subscription can't be turned off while you have an account. Promotional emails are optional, and each one includes a way to unsubscribe.

Whole agreement. These terms, the Privacy Policy, and any extra terms you agree to for a particular feature are the whole agreement between you and us about Slowburn.

Assignment. You can't transfer these terms to someone else. We can transfer them as part of a merger, acquisition or sale of Slowburn, and the new operator must honor them.

Events outside our control. We aren't responsible for delays or failures caused by events we can't reasonably control, such as outages at banks, Plaid, Apple, Google, Stripe, stores or hosting providers.

Other terms. If part of these terms can't be enforced, the rest still applies. If we don't enforce part of these terms right away, we can still enforce it later. Section headings are for convenience only. "Including" means "including but not limited to." Apart from Apple under section 15, no one else has rights under these terms.

18. Contact us

• Product help and disputes: support@slowburn.money
• Privacy questions and requests: privacy@slowburn.money
• Mail: Swellborn LLC, c/o Northwest Registered Agent, Inc., 2108 N St, Ste N, Sacramento, CA 95816, United States

For California residents. The Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs can be contacted in writing at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by phone at (800) 952-5210.