Terms of Service

Petal grants you a personal, non-exclusive, revocable licence to use the app for managing your own money. You must be at least 16 years old, or the minimum digital-consent age where you live, to hold an account.

You agree not to resell, scrape, reverse-engineer or attempt to break into Petal or other people's accounts, and not to upload anything unlawful. We may suspend an account that does.

We may update these terms as the app grows. The date at the top changes when we do, and material changes will be surfaced in the app before they take effect. Continuing to use Petal after an update means you accept the revised terms.

You are responsible for keeping your sign-in details private and for everything entered under your account. Tell us promptly if you think someone else has access.

Petal is a single-person planning tool. Sharing one account across a household is fine; automated access, bulk account creation and resale of access are not.

The free tier is supported by inline banner cards. Petal never shows pop-ups, interstitials or overlay ads, and no ad network request is made until you choose an option on the consent card.

Premium removes ads entirely. Free-tier limits on the number of funds, goals and accounts are shown in the app and may change with notice.

Premium is offered as a monthly, annual or one-time lifetime purchase. Prices are shown before you buy, in the currency displayed at checkout, and taxes may be added where required.

Recurring plans renew automatically until cancelled, and you can cancel at any time. Access continues to the end of the paid period. Where consumer law gives you a statutory cooling-off or refund right, that right applies regardless of anything else here.

Payments are handled by a third-party payment processor. Petal never sees or stores your full card number. Discount codes and limited-time offers may be withdrawn or changed before purchase.

The AI advisor and the import reader send a snapshot of the relevant figures (and, for import, the file you uploaded) to a third-party AI model provider for processing.

AI output is a suggestion, not advice. Petal will never suggest new borrowing; its purpose is to rearrange the income you already have. Always check figures before acting on them.

Petal is provided "as is". Figures shown are projections based on what you enter; we do not warrant that they are accurate, complete or uninterrupted, and you remain responsible for your own financial decisions, payments and record-keeping.

To the fullest extent permitted by law, the app owner is not liable for indirect, incidental or consequential loss, including missed payments, overdraft or interest charges, lost profits or lost data. Where liability cannot be excluded, it is limited to the greater of the amount you paid in the previous twelve months or CAD $50.

Nothing here limits liability for fraud, death or personal injury caused by negligence, or any liability that cannot lawfully be excluded.

You may stop using Petal at any time and delete your data from Settings. We may suspend or close an account that breaches these terms, or discontinue the service with reasonable notice.

Sections on liability, governing law and anything that by nature should survive continue to apply after your account ends.

These terms are governed by the laws of the Province of Nova Scotia and the federal laws of Canada, without regard to conflict-of-law rules. Disputes go to the courts of that province, unless the mandatory consumer-protection law of your own country gives you the right to sue locally.

Questions and complaints: contact the app owner through the address listed on the Help page.