Terms of Service | Gradually

Last updated: March 25, 2026

1. Acceptance of Terms

By accessing or using Gradually (the "Service"), provided by Quantics Software Inc. ("we," "us," or "our"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the Service.

2. Description of Service

Gradually is a personal finance tracking application that allows users to log transactions, manage accounts, track budgets, upload receipts, split group expenses, and visualize financial data. Disclaimer: The Service is for informational and organizational purposes only. We are not financial advisors, accountants, or tax professionals. The information provided by the Service should not be considered professional financial advice. You are solely responsible for your own financial decisions.

3. Eligibility

You must be at least 13 years of age to use the Service. By using the Service, you represent and warrant that you meet this age requirement.

4. User Accounts

To access features of the Service, you must register for an account. We use passkey-based authentication (WebAuthn/FIDO2) to manage access securely.

Passkeys: Your account is secured using a passkey stored on your device (e.g., Face ID, Touch ID, or a hardware security key). No passwords are stored on our servers.
Account Recovery: You will be prompted to save a recovery passphrase during registration of your passkey. This passphrase is the only way to recover access to your encrypted data if you lose your passkey. Store it securely — we cannot recover your data on your behalf.
Security: You are responsible for maintaining access to your registered device(s) and recovery credentials. You accept responsibility for all activities that occur under your account.
One Account: You may not share your account credentials or devices with others for the purpose of sharing access to your account.

5. End-to-End Encryption and Local-First Architecture

The Service uses a local-first architecture. Your financial data is stored primarily on your device and is encrypted end-to-end before being transmitted to our servers for sync purposes.

Encryption: All synced financial data is encrypted on your device using AES-256-GCM before it leaves your device. We do not have access to the encryption keys and cannot read, access, or decrypt your financial data stored on our servers.
Local Storage: Your data is stored locally on your device first. You retain full access to your local data regardless of your account or subscription status.
Encryption Keys: Your Data Encryption Key (DEK) is derived from your passkey and protected by your recovery passphrase. If you lose both your passkey and your recovery passphrase, your synced data cannot be recovered by anyone, including us.

6. Subscriptions and Payments

Certain features of the Service (such as cloud sync and group expenses) are billed on a subscription basis ("Subscription"). Payment processing is provided by Stripe (web) and Apple In-App Purchases (iOS).

Billing: You agree to pay all fees associated with your Subscription. By providing a payment method, you authorize us (via Stripe or Apple, as applicable) to charge the applicable fees.
Automatic Renewal: Your Subscription will automatically renew at the end of each billing cycle (e.g., monthly or annually) unless you cancel it before the renewal date. For Apple IAP subscriptions, renewal and cancellation are managed through your Apple ID account settings.
Cancellation: You may cancel your Subscription at any time through your account settings (web) or through your Apple ID subscription settings (iOS). Your access to subscription features will continue until the end of the current billing period.
Refunds: Except as required by law, paid Subscription fees are non-refundable. For purchases made through Apple IAP, refund requests are handled by Apple in accordance with their policies.
Price Changes: We reserve the right to modify subscription fees. We will provide you with reasonable prior notice of any price changes.

7. User Data and Content

You retain ownership of the data, receipts, and information you input into the Service ("User Content").

License: By inputting User Content, you grant us a worldwide, non-exclusive, royalty-free license to store and process that content solely for the purpose of providing the Service to you (e.g., syncing your encrypted data across devices, generating charts from your local data, and storing your encrypted receipts).
Encrypted Storage: Due to end-to-end encryption, the data stored on our servers is in encrypted form. We do not access, analyze, or sell your financial data.
Data Accuracy: You are responsible for the accuracy of the financial data you enter. We are not responsible for errors in your tracking, tax reporting, or budgeting resulting from incorrect data entry.
Data Portability: Your data is stored locally on your device. If your account is terminated or your subscription lapses, your local data remains accessible to you on your device.
Backups: While we perform regular backups of server-side data, all server-side data is encrypted and can only be decrypted with your encryption keys. We encourage you to maintain your own local copies of critical receipts and data.

8. Group Expenses

The Service allows you to create and participate in shared groups for splitting expenses with other registered users. By using group expense features:

You consent to sharing relevant transaction data with other members of your group.
Group data is encrypted using a shared Group Encryption Key (GEK) distributed to group members.
You are responsible for only inviting trusted individuals to your groups.

9. Prohibited Activities

You agree not to:

Use the Service for any illegal purpose or to violate any laws.
Upload any content that contains viruses, malware, or harmful code.
Attempt to reverse engineer, decompile, or hack the Service.
Interfere with the security or integrity of the Service or its infrastructure.
Create multiple accounts or share account access with unauthorized individuals.

10. Privacy

Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your information. By using the Service, you consent to the practices described in the Privacy Policy.

11. Termination

We reserve the right to suspend or terminate your account and access to the Service at our sole discretion, without notice or liability, for conduct that we determine violates these Terms or is harmful to other users, us, or third parties.

If we terminate your account for a violation of these Terms, you will not receive a refund for any remaining subscription period.
Upon termination, your local data remains on your device. Your encrypted data on our servers will be deleted in accordance with our data retention policies.

12. Limitation of Liability

To the fullest extent permitted by law, Quantics Software Inc. shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from: (a) Your use or inability to use the Service; (b) Any unauthorized access to or use of our servers and/or any personal information stored therein; (c) Any errors or inaccuracies in the content or financial data analysis; (d) Loss of data resulting from loss of encryption keys or recovery passphrase.

13. Apple App Store Terms

If you access or download the Service through the Apple App Store, the following additional terms apply:

Acknowledgement: This agreement is between you and Quantics Software Inc. only, and not with Apple Inc. ("Apple"). Quantics Software Inc., not Apple, is solely responsible for the Service and its content.
License Scope: The license granted to you for the Service is a limited, non-transferable license to use the Service on any Apple-branded device that you own or control, as permitted by the Usage Rules set forth in the Apple Media Services Terms and Conditions.
Maintenance and Support: Quantics Software Inc. is solely responsible for providing any maintenance and support services with respect to the Service. Apple has no obligation whatsoever to furnish any maintenance and support services with respect to the Service.
Warranty: In the event of any failure of the Service to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) for the Service. To the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to the Service.
Product Claims: Quantics Software Inc., not Apple, is responsible for addressing any claims by you or any third party relating to the Service or your possession and/or use of the Service, including but not limited to: (a) product liability claims; (b) any claim that the Service fails to conform to any applicable legal or regulatory requirement; and (c) claims arising under consumer protection, privacy, or similar legislation.
Intellectual Property: In the event of any third-party claim that the Service or your possession and use of the Service infringes that third party's intellectual property rights, Quantics Software Inc., not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of any such intellectual property infringement claim.
Legal Compliance: You represent and warrant that (a) you are not located in a country that is subject to a U.S. Government embargo or that has been designated by the U.S. Government as a "terrorist supporting" country; and (b) you are not listed on any U.S. Government list of prohibited or restricted parties.
Developer Contact: For any questions, complaints, or claims with respect to the Service, please contact Quantics Software Inc. at support@gradually.app. Mailing address: 129 Kent Street, Unit 201A, Charlottetown, PE C1A 1N3, Canada.
Third-Party Terms: You must comply with applicable third-party terms of agreement when using the Service (e.g., your wireless data service agreement).
Third-Party Beneficiary: Apple and its subsidiaries are third-party beneficiaries of this agreement, and upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary thereof.

14. Changes to These Terms

We reserve the right to modify these Terms at any time. If we make material changes, we will notify you by posting the updated Terms on our website and, where practicable, by email or through a notice within the Service, at least 30 days before the changes take effect. Your continued use of the Service after the effective date of the revised Terms constitutes your acceptance of the changes.

15. Dispute Resolution

Any dispute arising out of or relating to these Terms or the Service shall first be attempted to be resolved through good-faith negotiation. If the dispute cannot be resolved informally within 30 days, either party may submit the dispute to binding arbitration administered in accordance with the rules of the ADR Institute of Canada. The arbitration shall take place in Ontario, Canada.

16. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of laws principles.

17. Contact Us

If you have any questions about these Terms, please contact us at: support@gradually.app