Terms of Service

Burnrate (“the service”) is a personal money-management web app provided by the maintainer at no cost to you. It exists to help individuals log spending, see their runway, and generate AI-ready exports of their own data. It is intended for personal awareness, not as accounting, tax, legal, or financial advice. Do not rely on Burnrate output for filings, fiduciary decisions, or investment choices.

You must be at least 13 years old to create an account. By signing up you confirm that the email or Google account you use is yours to control.

You are responsible for the security of the email account or Google account that authenticates your Burnrate session. We will treat any access to your Burnrate account from a valid magic link or Google OAuth flow as authorised by you. Use the “Sign out everywhere” control on the Account page if you suspect unauthorised access.

You retain all rights to the finance data you enter. Granting Burnrate the right to store and display your data to you is a limited operational license; it does not transfer ownership. We do not sell, rent, license, or share your finance data with third parties for marketing or analytics. See our Privacy Policy for the full data-handling disclosure.

You agree not to:

• Attempt to access other users’ data, sessions, or auth tokens.
• Reverse-engineer authentication, scrape across user boundaries, or probe for vulnerabilities without coordinated disclosure to the maintainer.
• Use the service to store data unlawful in your jurisdiction.
• Send abusive, spam, or automated traffic that degrades availability for other users.

We reserve the right to suspend access for accounts that violate these terms.

Burnrate is provided on an as-is, as-available basis. We make no uptime guarantees. The maintainer may modify features, change pricing (currently free), relocate to a different hosting provider, or shut down the hosted instance with reasonable notice via the in-app banner or email to your account address. In the event of shutdown, you will have at least 30 days to export your data before deletion.

Sign-in providers (Google), email delivery (Resend), hosting (Vercel), and the database (Turso) operate under their own terms. You agree their terms apply to their portion of the integrated experience.

You can export your full data set as JSON and permanently delete your account from the Account page at any time. Deletion cascades to every row of finance data tied to your account. We are unable to restore data after deletion.

The service is provided WITHOUT WARRANTY OF ANY KIND, express or implied, including warranties of merchantability, fitness for a particular purpose, and non-infringement. Your use of Burnrate is at your sole risk.

To the maximum extent permitted by law, the maintainer is not liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data or other intangible losses, resulting from your use of (or inability to use) the service. Where liability cannot be excluded, total aggregate liability is limited to the greater of (a) the amount you paid for the service in the 12 months prior to the claim (which is typically $0), or (b) USD $50.

You agree to defend, indemnify, and hold harmless the maintainer from any claim arising out of your misuse of the service or your violation of these Terms.

You may terminate at any time by deleting your account. We may terminate or suspend your access without notice for material breach of these Terms, particularly the Acceptable Use clause. Sections that by their nature should survive termination (e.g. 4 Your data, 9 No warranty, 10 Limitation of liability) survive.

These Terms are governed by the laws of the jurisdiction where the maintainer resides. Disputes will be resolved in the courts of that jurisdiction unless mandatory consumer-protection rules of your country of residence apply.

We may revise these Terms; the “Effective” date at the top will be updated when we do. Material changes will be announced via in-app banner or email. Continued use after changes constitutes acceptance.

Questions about these Terms? Email baniamin.shams@cefalo.com.