Terms of Service

These Terms of Service (“Terms”) are a binding agreement between you and Quant Security LLC(“Bearing”, “we”, “us”) governing your use of the Bearing app and website at bearing.money (the “Service”). By creating an account, subscribing, or using the Service — including demo mode — you accept these Terms and our Privacy Policy. If you do not agree, do not use the Service. You must be at least 16 years old (and old enough to form a binding contract where you live) to use Bearing.

Bearing is a budgeting and personal-finance tool: it organizes your transactions, drafts budgets, tracks bills, goals, and spending rules, and — with your consent — generates AI-written summaries and coaching text about your own data. A free demo mode runs entirely from a fictional in-memory dataset. Optional integrations connect your bank accounts (via Plaid) and handle subscription payments (via Stripe).

We may improve, change, or discontinue features over time. We will not materially reduce what a paid plan includes during a period you have already paid for.

Bearing provides budgeting tools, calculations, and educational information — NOT financial, investment, tax, or legal advice. Numbers like “safe to spend”, forecasts, budget drafts, affordability verdicts, and AI-generated coaching text are automated calculations and general information based on the data you provide. They are not a recommendation to buy, sell, save, borrow, or invest, and they may be incomplete or wrong.

All financial decisions are yours alone. Before making significant financial decisions, consult a qualified professional — a licensed financial adviser, accountant, or attorney — who can consider your full circumstances. We are not a fiduciary, a bank, a broker-dealer, an investment adviser, or a tax preparer.

• Accuracy: you agree to provide accurate information (including a valid email address) and to keep it current. Budget math is only as good as the data behind it.
• One person per account: your account is personal to you. Keep your credentials confidential; you are responsible for activity under your account. Tell us immediately at support@quantsecurity.com if you suspect unauthorized access.
• Termination for abuse:we may suspend or terminate accounts that violate these Terms, abuse the Service, or create risk for us or other users. You may stop using the Service and delete your account at any time (Settings → Delete my account & data).

You agree not to:

• scrape, crawl, or harvest the Service or other users’ data, or access the Service by automated means other than documented interfaces;
• reverse-engineer, decompile, or attempt to extract the source code, models, or prompts of the Service, except where the law expressly permits it;
• use the Service for anything unlawful — including fraud, money laundering, or accessing financial accounts you are not authorized to access;
• probe, overload, or interfere with the Service’s security or operation, or circumvent usage limits or access controls;
• resell or provide the Service to third parties without our written consent.

Bearing offers the following plans (prices in USD):

• Free — core budgeting with limited AI messages.
• Premium — $4.99/month or $49.99/year, with a 14-day free trial.
• Ultimate — $9.99/month or $99.99/year.
• Founder lifetime — optional one-time $199 purchase granting Ultimate features for the lifetime of the Service. It is a single payment (never renews), is personal and non-transferable, and lasts as long as Bearing operates — it is not an ownership stake or a guarantee that the Service will operate forever.

Auto-renewal: paid subscriptions (including a Premium trial that you do not cancel) renew automatically at the end of each billing period — monthly or yearly — and your payment method is charged at the then-current price for your plan until you cancel. The 14-day Premium trial converts to a paid subscription automatically unless cancelled before the trial ends.

Cancel anytime: you can cancel in the Stripe billing portal (Settings → Manage billing) at any time. Cancelling before your renewal date stops the next charge; you keep paid features until the end of the period you already paid for.

Refunds: Annual plans and the Founder Lifetime purchase are eligible for a full refund within 14 days of the initial purchase or of an annual renewal — email support@quantsecurity.com from your account email. Monthly plans are not refundable, but you can cancel anytime and keep access until the end of the paid period. Purchases made through the Apple App Store or Google Play follow that store's refund process instead. Nothing in this policy limits refund rights you have under applicable law.. Where consumer law grants you additional refund rights, those rights are unaffected.

Price changes and grandfathering:we may change prices for new billing periods with at least 30 days’ notice by email or in-app. If you subscribed at an earlier price, your existing subscription keeps that price for as long as you remain continuously subscribed to the same plan — price increases apply only to new subscribers or to plans you switch to.

Payments are processed by Stripe; card details never touch our servers. Taxes may be added where required.

Parts of the Service depend on third parties, and your use of those features is also subject to their terms:

• Plaid(bank connections) — by linking a bank account you also agree to Plaid’s End User Services Agreement and authorize Plaid to retrieve your account data on your behalf. Your bank credentials go to Plaid, never to us.
• Stripe(payments) — purchases are subject to Stripe’s terms.
• Anthropic / OpenAI (AI processing) — AI features send transaction metadata and budget statistics to these providers under their API terms; enabled only with your in-app consent.

We are not responsible for third-party services we do not control, including bank data accuracy or availability delivered through Plaid.

The Service — its software, design, branding, and content we create — is owned by Quant Security LLC and protected by intellectual-property laws. We grant you a personal, non-exclusive, non-transferable, revocable license to use the Service under these Terms. No other rights are granted.

Your data stays yours. You retain all rights to the financial data and content you bring to Bearing. You grant us only the limited license needed to host, process, and display that data to you in order to operate the Service — including, with your consent, sending relevant portions to AI providers to generate your categorizations and briefs. We claim no ownership of your data, and you can export or delete it at any time.

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE”. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTY THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT CALCULATIONS, FORECASTS, CATEGORIZATIONS, OR AI-GENERATED TEXT WILL BE ACCURATE OR COMPLETE.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you. Nothing in these Terms limits rights you have under mandatory consumer-protection law.

TO THE MAXIMUM EXTENT PERMITTED BY LAW: (a) NEITHER Quant Security LLC NOR ITS OFFICERS, EMPLOYEES, OR SUPPLIERS WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST SAVINGS, LOST DATA, OR FINANCIAL DECISIONS MADE IN RELIANCE ON THE SERVICE; AND (b) OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE IS CAPPED AT THE FEES YOU PAID US IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM (OR US $50 IF YOU HAVE PAID NOTHING).

Some jurisdictions do not allow the limitation or exclusion of liability for certain damages — including liability for death, personal injury, fraud, or gross negligence, which we do not exclude — so some of the above limitations may not apply to you.

You agree to indemnify and hold harmless Quant Security LLC from claims, damages, and reasonable legal costs arising out of your violation of these Terms, your misuse of the Service, or your violation of any law or third-party right — except to the extent caused by our own breach of these Terms.

These Terms are governed by the laws of the State of Texas, USA, with exclusive venue in the state and federal courts located in Dallas County, Texas, without regard to conflict-of-law rules, and disputes will be resolved in the courts of the State of Texas, USA, with exclusive venue in the state and federal courts located in Dallas County, Texas — except where the consumer-protection law of your country of residence gives you the right to sue at home, which these Terms do not take away.

Before filing a claim, please contact us at support@quantsecurity.com — most issues can be resolved quickly and informally.

We may update these Terms as the Service evolves. For material changes we will give at least 30 days’ notice by email or in-app before the new terms take effect. If you do not agree, cancel and stop using the Service before the effective date; continued use afterwards means you accept the updated Terms.

If any provision of these Terms is found unenforceable, it will be modified to the minimum extent necessary (or severed), and the rest remains in full effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets, with notice to you. These Terms, together with the Privacy Policy, are the entire agreement between you and us about the Service.

Quant Security LLC · Questions about these Terms: support@quantsecurity.com