1. Agreement
These Terms govern Warm, run by Warm Technologies LLC in Pacifica, California (https://warm.io, https://app.warm.io, iOS). Use of Warm means you agree to these Terms and the Privacy Policy. This is the whole agreement.
2. Who may use Warm
You must be 18+. Use Warm only for your own money, or a household you are allowed to manage.
3. What Warm is
Warm shows balances and transactions from accounts you connect. It is not a bank, broker, adviser, credit-repair firm, consumer-reporting agency, or fiduciary. It is not a consumer report. Plaid links are read-only. Warm cannot move money.
4. Your account
Keep your login secret. You are responsible for activity on the account, including people you add. Household members can see shared data. Report misuse to support@warm.io. We may close an account that is unsafe, unpaid, unused, or in breach.
5. Paid plans
Price and renewal are shown at checkout. Web: Stripe, cancel in Settings (Stripe portal). iOS: Apple, cancel in Apple settings. RevenueCat only confirms iOS access. Plans renew until you cancel in that store. Cancel stops future charges; you keep access until the period ends. No refund for unused time unless the law requires it. We will tell you before a higher renewal price; cancel first if you do not want it. Failed payment may pause Warm. Apple decides Apple refunds. Warm decides web refunds; Stripe only processes them. Deleting Warm does not cancel billing. Cancel first, then delete.
6. Other companies
Banks use Plaid (terms). Stripe, Apple, RevenueCat, and your bank have their own terms. An AI or MCP tool you connect has its own terms. Warm is not responsible for those services or their data.
7. Rules
Do not use Warm for others without authority; scrape or overload it; reverse-engineer it except where law allows; train a competing product or public AI on it; upload malware; resell it; give regulated advice through it; or abuse staff.
8. No advice
Charts, scores, and AI output are information only, not financial, tax, or legal advice. Check important numbers before you act.
9. Rights in the product
Warm owns the software and marks. You own your data. You give us a limited license to host and process it to run, secure, support, and improve Warm, and to meet the law. You may not assign these Terms. We may assign them in a sale of the business.
10. Limits
Warm is "as is." We do not promise complete, current, or uninterrupted data. Insights, scores, and analysis are information only. They are not a promise of results and are not a basis for damages. To the full extent the law allows, we disclaim extra warranties. If Warm is liable, our total for all claims is what you paid us in the 12 months before the claim, or $0 if you paid nothing. No indirect, special, or lost-profit damages, and no damages from money decisions you make. Some states do not allow these limits.
You will cover Warm for claims from your misuse, your breach, or your breaking the law, except to the extent we caused the claim.
11. Changes
We post a new date here. For a material change we also email you when we can. Keep using Warm after that date and you accept it. To leave: cancel billing, then delete the account. We may end access for breach or legal risk. Sections 8 to 10, 12, and 13 survive.
12. Law
Email support@warm.io and wait 30 days before a formal claim. California law. Courts in San Mateo County, except where law requires otherwise. Small-claims court is allowed. If one part fails, the rest stays.
13. Apple
The iOS app is between you and Warm, not Apple. Apple need not support it. If it fails a legal warranty, ask Apple for a refund of the app price, if any. Apple may enforce this section.
14. Contact
support@warm.io, Contact, Warm Technologies LLC, Pacifica, California.