Summary: Baseline is a read-only financial tracking tool. We never move money on your behalf. Use it responsibly, keep your credentials secure, and don't try to misuse the platform. Full details below.
By accessing or using the Baseline app, website, or any related services (collectively, the "Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the Service.
These Terms apply to all users, including visitors to baseline-financial.com and registered users of the Baseline iOS application.
Baseline is a personal finance management application that allows you to:
Baseline is a financial tracking tool, not a financial advisor. Nothing in the Service constitutes financial, investment, tax, or legal advice. Always consult a qualified professional for financial decisions.
You must be at least 18 years old and a resident of the United States to use the Service. By using Baseline, you represent and warrant that you meet these requirements.
To use the full features of Baseline, you must create an account. You agree to:
We reserve the right to terminate accounts that violate these Terms or that appear to be fraudulent or abusive.
Baseline uses Plaid Technologies, Inc. to facilitate connections to your financial institutions. By using our bank-linking features, you also agree to Plaid's End User Privacy Policy.
Baseline does not store your bank credentials. All authentication with financial institutions occurs through Plaid's encrypted infrastructure. We receive only the data Plaid provides to us on your behalf.
You agree not to:
The Baseline name, logo, app, website, and all associated content are owned by Baseline Financial and protected by applicable intellectual property laws. You may not use our branding, trademarks, or content without prior written permission.
Your personal financial data remains yours. We claim no ownership over the financial information synced to your account.
Free Access: Baseline is free to download and use. Core features — including bank sync, transaction tracking, budgets, and basic AI — are available at no cost.
Pro Subscriptions: Baseline offers optional Pro subscriptions with enhanced features. Subscriptions are available as:
Auto-Renewal: Subscriptions automatically renew at the end of each billing period unless cancelled at least 24 hours before the renewal date. You can manage or cancel your subscription in your iOS device Settings → Subscriptions.
Refunds: Payments are non-refundable except where required by law. If you believe you were charged in error, contact [email protected].
Future features or premium tiers, if introduced, will be clearly communicated and will not affect existing early-access users' core free access without advance notice.
Program Overview: Baseline offers a referral program where users can earn free Pro subscription time by referring friends who successfully link their bank accounts.
Eligibility: To earn referral rewards, you must have an active Baseline account. Referred users must be new to Baseline and must successfully link a bank account. Referral rewards are limited to a maximum of 3 redemptions per calendar year (3 months of Pro total) and are not available to existing Pro subscribers.
How It Works: You receive a unique referral code to share with friends. When 3 referred users link their bank accounts, you earn 1 month of Pro. Rewards expire 30 days after redemption.
Prohibited Activities: To maintain a fair program, you may not:
Program Changes: We reserve the right to modify or terminate the referral program at any time, revoke rewards obtained through fraudulent means, update program terms and limits, and investigate suspicious referral activity.
Tax Implications: Depending on your jurisdiction, referral rewards may be considered taxable income. You are solely responsible for any applicable taxes.
User-Generated Content: Baseline allows you to add friends and view their financial achievements, post to activity feeds, react and comment on others' posts, and participate in challenges with friends.
Content Ownership: You retain ownership of content you post. By posting, you grant Baseline Financial a non-exclusive license to display, store, and distribute your content within the app.
Content Guidelines: You agree not to post content that:
Content Moderation: We reserve the right to remove content that violates these Terms, suspend or terminate accounts for repeated violations, monitor public posts for compliance, and report illegal content to authorities.
Friend Connections: Friend connections are bilateral — both users must approve. You can remove friends at any time. Friends can see only the limited financial statistics you explicitly choose to share. We do not share detailed transaction information with friends.
Privacy Controls: You control what information is visible to friends through your privacy settings. We recommend reviewing these settings regularly.
The Service is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that:
You use the Service at your own risk. Baseline Financial is not responsible for decisions made based on information displayed in the app.
To the maximum extent permitted by law, Baseline Financial shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of or inability to use the Service, even if we have been advised of the possibility of such damages.
Our total liability to you for any claim arising out of these Terms or your use of the Service shall not exceed the amount you paid us in the 12 months preceding the claim (or $100 if you have paid nothing).
You may delete your account at any time through the app settings or by emailing [email protected]. We will process deletion within 30 days.
We may suspend or terminate your access if you violate these Terms, engage in fraudulent activity, or if we cease operations, with reasonable notice where possible.
We may update these Terms from time to time. We will notify you of material changes via email or in-app notification at least 14 days before they take effect. Continued use of the Service after changes constitutes acceptance of the updated Terms.
These Terms are governed by the laws of the State of Texas, United States, without regard to conflict of law principles. Any disputes shall be resolved in the courts of Texas.