Terms of Service

Last updated: 2026-08-21

By using Granary you agree to these terms. They're written in plain language because legal language tends to obscure what's actually being agreed to.

1. What Granary is — and isn't

Granary is a tool for modeling your personal finances and retirement. It is not financial, tax, investment, or legal advice. Projections are based on your inputs and reasonable assumptions; reality will differ. For consequential decisions, consult a licensed advisor.

1.1 Every number Granary shows is an estimate

This applies to all of it — not just the long-range projections. Tax figures, Social Security benefits, Medicare premiums, ACA subsidies, required minimum distributions, and contribution limits are all modeled estimates, not determinations. They depend on:

• The data you enter. Granary cannot verify your balances, salaries, or ages, and a wrong input produces a wrong answer with no warning.
• Published rates and thresholds for a given year. Tax brackets, deductions, contribution limits, benefit formulas, and premium tiers change annually and can change mid-year by legislation. We update them from official sources and cite those sources in Methodology, but there may be a lag between a change taking effect and Granary reflecting it.
• Simplifying assumptions. Every model leaves things out. Where an assumption materially affects the answer we try to say so on the screen showing it.

No figure Granary displays is a guarantee, a quote, a benefit determination, or a tax filing position. Before acting on one, verify it against the authoritative source — the IRS for taxes, the Social Security Administration for benefits, CMS for Medicare, your plan administrator for account rules — or with a licensed professional.

1.2 Social Security figures in particular

Granary is not affiliated with, endorsed by, or a source of official information from the Social Security Administration. Our benefit figures are calculated from what you enter, using SSA's published reduction and delayed-retirement-credit factors. Two differences from your SSA statement are expected and are not errors:

• SSA's own estimates generally assume you keep working at your recent earnings until you claim, so their figures for later claim ages rise faster than the actuarial adjustment alone. Granary applies the actuarial adjustment to the benefit you give it and does not assume future earnings.
• When no benefit statement has been entered, Granary estimates your benefit from your salary using SSA's bend-point formula. That is a rough approximation of a 35-year earnings history, not a reading of your actual record.

Only SSA can tell you what you will actually be paid. Get your real figures at ssa.gov/myaccount.

2. Your account

You're responsible for the accuracy of the data you enter, for keeping your login credentials secure, and for any activity under your account. If you sign up with a Firebase email, you can delete your account anytime via Settings → Delete my account.

3. Subscriptions, free trials, and automatic renewal

• Free trials convert automatically. If you start a free trial, you give us a payment method at checkout. When the trial ends, the subscription begins and your payment method is charged automatically — at the price and billing frequency shown at checkout — unless you cancel before the trial ends. We email you before the trial ends with the exact amount, the exact charge date, and how to cancel.
• Subscriptions auto-renew at the end of each billing period, at the then-current price for your plan, until you cancel. Monthly plans renew every month; annual plans renew every year.
• Cancel anytime in the app: Settings → Subscription → Manage subscription. Cancelling stops all future charges. Access continues through the end of the period you already paid for, then drops to the free tier. Your data is kept either way.
• Existing lifetime memberships (no longer offered for new purchase) are one-time, non-recurring, and grant access for as long as the service operates.
• Refund policy: see Refund Policy (30-day money-back).

4. Acceptable use

You agree not to:

• Reverse-engineer the service or attempt to access another user's data
• Use automated agents to scrape or stress-test the service without permission
• Use the service for illegal financial activity or to advise others without proper licensure
• Resell access to your account

5. Service availability

We aim for high uptime but don't guarantee it. Scheduled maintenance, third-party outages (Firebase, Stripe, Square, Gemini), and bugs can cause temporary unavailability. We'll communicate planned downtime when we can.

6. Disclaimers

The service is provided “as-is.” To the maximum extent permitted by law, Granary disclaims all warranties — express or implied — including merchantability, fitness for a particular purpose, and non-infringement. Projections are illustrative; actual financial outcomes depend on variables Granary cannot model (markets, taxes, life events, your choices). We make no warranty that any rate, threshold, limit, bracket, or benefit factor built into the service is current, complete, or correct for your situation — see section 1.1.

7. Limitation of liability

To the maximum extent permitted by law, Granary's aggregate liability for any claim arising from your use of the service is limited to the amount you paid Granary in the 12 months preceding the claim. We are not liable for consequential, incidental, or punitive damages.

8. Termination

You can stop using the service or delete your account at any time. We can terminate accounts for abuse, fraud, or violation of these terms. Termination doesn't refund unused subscription periods (except per the refund policy).

9. Changes

We may update these terms. Material changes will be announced via email or in-app notice with at least 30 days' notice for paying users. Continued use after the effective date constitutes acceptance.

10. Indemnification

If someone brings a claim against Granary because of how you used the service — data you uploaded that you had no right to, use that broke section 4, or advice you gave someone else based on Granary's output without the licensure to give it — you agree to cover the resulting costs and reasonable legal fees. This applies only to your own conduct. It does not cover claims arising from Granary's own acts, its own content, or a defect in the service.

11. Resolving disputes

Please read this section — it affects how any dispute between us gets decided, and it limits your right to sue in court or take part in a class action.

11.1 Talk to us first

Before starting arbitration, email Everyoneneedsasamwise@gmail.com describing the problem and what you want. Most things get fixed here. Both sides agree to try in good faith for 30 days before going further. This step is required of us too.

11.2 Binding arbitration

If that doesn't resolve it, you and Granary agree that any dispute arising out of these terms or your use of the service will be settled by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, rather than in court. Arbitration uses a neutral arbitrator instead of a judge or jury, and review of the decision is limited. The arbitration will be held in the county where you live, or by phone, video, or written submission — your choice. Utah law governs, and the Federal Arbitration Act governs this section.

Granary pays the arbitration filing and arbitrator fees for any claim under $10,000, except for claims the arbitrator finds frivolous. Each side otherwise pays its own legal costs unless the arbitrator awards them.

11.3 No class actions

Disputes will be brought only in your individual capacity, not as a plaintiff or class member in any class, consolidated, or representative action. The arbitrator may not consolidate more than one person's claims or preside over any form of class proceeding. If this paragraph is found unenforceable as to a particular claim, that claim — and only that claim — goes to court instead.

11.4 What is not covered

Either of us may still bring an individual claim in small-claims court if it qualifies. Either of us may also ask a court for an injunction over intellectual property or unauthorized access. Nothing here stops you from reporting a concern to a government agency, including the Utah Division of Consumer Protection or the Utah Division of Securities.

11.5 How to opt out

You can decline this arbitration section without any effect on the rest of these terms or on your subscription. Email Everyoneneedsasamwise@gmail.com with the subject line “Arbitration opt-out” and the email address on your account, within 30 days of first accepting these terms (or, if you were already a user when this section was added, within 30 days of the “last updated” date above). If you opt out, disputes go to the courts described in section 12. We will confirm your opt-out in writing.

12. Governing law and venue

These terms are governed by the laws of Utah, USA. For any dispute not subject to arbitration — because it falls under section 11.4, or because you opted out under section 11.5 — you and Granary agree to the exclusive jurisdiction of the state and federal courts located in Utah. If you are a consumer residing elsewhere, this does not remove any protection or venue right your local law gives you that cannot be waived by agreement.

13. Contact

Questions: Everyoneneedsasamwise@gmail.com.

This is the agreement between you and Granary. It is a starting point drafted in plain language; consult a lawyer in your jurisdiction before relying on it for production use.