Terms of Service

By checking the box at signup, creating an account, or using Hemisphere, you agree to these Terms and to our Privacy Policy, which is incorporated here by reference. If you do not agree, do not use the service.

If you are agreeing on behalf of a company or other organization, you represent that you have authority to bind it, and “you” means that organization.

We keep a record of your acceptance, including when it happened and which version of these Terms was in effect at the time.

• You must be at least 18 years old and able to enter a binding contract.
• The service is offered in the United States. You may not use it if you are located in, or are ordinarily resident in, a country or region subject to comprehensive United States sanctions, or if you appear on any United States restricted-party list.
• You may not use the service if we have previously terminated your account, unless we agree in writing.

Hemisphere is a personal budgeting application. It lets you record transactions, set category limits, track income, bills, savings goals, and account balances, and see reports built from what you record. On Premium it can additionally connect United States bank accounts through Stripe Financial Connections to sync transactions and balances, and offers AI-assisted features.

Hemisphere is a record-keeping and calculation tool. It does not hold, move, transfer, or invest money. It is not a bank, a money transmitter, a broker-dealer, an investment adviser, a tax preparer, a credit-repair organization, or a consumer reporting agency, and it does not issue consumer reports.

We may change, add, or remove features. If we discontinue a material feature you are paying for, we will give you notice and, if you are on a paid plan, a pro-rata refund of the unused portion of your current term as your sole remedy.

• Give us a valid email address, and keep it current. It is how we reach you about security, billing, and these Terms.
• Keep your password confidential. We strongly recommend turning on two-factor authentication, which is free on every plan.
• You are responsible for activity under your account. Tell us immediately at support@hemisphere.money if you believe it has been compromised.
• One account per person. Do not share your login, and do not create an account for anyone else without their authority.
• Everything you enter must be accurate to the best of your knowledge. The service’s output is only as good as its input.

Hemisphere has a Free plan and a paid Premium plan. The current features and limits of each are shown on the pricing page, which is incorporated here by reference.

We may change what is included in the Free plan. If a change would remove access to data you have already entered, we will not delete it — we will keep it available to you in read-only form and let you export it.

• Our refund promise. If something is broken and support cannot fix it for you, we will refund your first subscription payment in full within 14 days of your initial purchase.
• Beyond that, payments are non-refundable and we do not prorate partial periods, except where a refund is required by law. Nothing here limits any refund right you have under the law of your state.
• Price changes. We may change prices. Any change to a price you are already paying takes effect at your next renewal, and we will give you at least 30 days’ notice by email first, so you can cancel before it applies.
• If you dispute a charge with your bank rather than contacting us, we may suspend the account while it is resolved. We would much rather you emailed us.

Premium users may opt in to SMS notifications, such as bill reminders and budget alerts. SMS is optional and off by default.

• Consent is not a condition of purchase. You can use every part of Hemisphere without ever giving us a phone number.
• We verify your number with a code before sending anything, and we record when you opted in.
• Message frequency varies. Message and data rates may apply.
• Reply STOP to any message to stop, or HELP for help. You can also turn SMS off in Settings, or simply tell us to stop by any reasonable means — including replying in your own words or emailing support. We honour any such request across all channels within 10 business days, and usually immediately.
• We do not send marketing or promotional texts. Ever.
• Carriers are not liable for delayed or undelivered messages.

• We label AI-generated content in the interface, and you can ask to be transferred to a human in support at any time.
• AI output can be inaccurate, incomplete, or out of date. Verify anything important before you act on it.
• AI output is never professional advice and must not be treated as equivalent to the advice of a licensed financial adviser, accountant, tax professional, or attorney. See section 15.
• AI features are optional. Budgeting, tracking, and reporting all work without them, and an administrator can disable the AI features entirely.
• Do not submit other people’s personal information, credentials, or sensitive identifiers to any AI feature.
• You may not use our AI features to develop a competing model, to scrape or systematically extract outputs, or in any way that violates our AI provider’s usage policies.

Bank connection is an optional Premium feature provided through Stripe Financial Connections. Manual entry works fully without it.

• We never receive your bank credentials. The sign-in happens between you, Stripe, and your bank.
• By connecting an account, you represent that you are its owner or an authorized user, and you authorize us to retrieve balances and transactions from it for the purpose of showing them to you in Hemisphere.
• Synced data depends on your bank and on Stripe. It may be delayed, incomplete, duplicated, miscategorized, or unavailable. Pending transactions can change or disappear. Treat your bank’s own records as authoritative, not ours.
• We are not responsible for the acts or omissions of your bank or of Stripe, or for any loss arising from data they provide or fail to provide.
• You can disconnect at any time. If your Premium subscription ends, connections are disconnected automatically after a warning period, and your synced history remains available to you.

You agree not to:

• Use the service for any unlawful purpose, including money laundering, fraud, or evading sanctions.
• Access, or try to access, any account or data that is not yours.
• Probe, scan, or test the security of the service except through a good-faith vulnerability report to us.
• Interfere with, overload, or disrupt the service or the infrastructure it runs on.
• Scrape, crawl, or use automated means to access the service, or resell or redistribute it, without our written permission.
• Reverse engineer, decompile, or attempt to derive source code, except where that restriction is unenforceable by law.
• Upload malware, or content that is unlawful, infringing, defamatory, or harassing.
• Impersonate anyone, or misrepresent your affiliation with any person or organization.
• Use the service to build a competing product, or to train a machine-learning model.
• Remove or obscure any proprietary notice.

We may investigate suspected violations and take any action we think appropriate, including suspension, termination, and referral to law enforcement.

The Hemisphere name, logo, software, design, text, graphics, and everything else we provide — but excluding your data — belong to Arthur Avenue Technologies, LLC or our licensors and are protected by intellectual property law. We grant you a limited, personal, non-exclusive, non-transferable, revocable licence to use the service in accordance with these Terms. All rights not expressly granted are reserved.

Hemisphere depends on third parties — including Stripe for payments and bank connections, Supabase for data storage, Vercel for hosting, Anthropic for AI, Resend for email, and Twilio for SMS — and may link to third-party websites.

Your use of a third-party service is governed by that party’s own terms and privacy policy. We do not control them, we do not endorse them, and we are not responsible for their acts, omissions, outages, or content. A failure or interruption at a third party may interrupt Hemisphere, and that is not a breach of these Terms by us.

• We are not a registered investment adviser, broker-dealer, certified financial planner, accountant, tax preparer, or attorney, and no relationship of that kind is created by your use of the service.
• The calculators are illustrations, not predictions. The compound-interest, FIRE, debt-versus-invest, affordability, mortgage, payoff, and savings-projection tools compute arithmetic from assumptions you supply. They rely on inputs including rates of return, inflation, and timelines that are uncertain and that we do not verify. Actual results will differ, and past performance does not indicate future results.
• Any figure the service produces — projected balances, payoff dates, net worth, safe-to-spend, scores, or insights — is an estimate derived from the data available to it, and may be wrong if that data is incomplete, delayed, or mis-entered.
• Nothing in the service is an offer or solicitation to buy or sell any security, and no content is personalized investment advice within the meaning of the Investment Advisers Act of 1940 or any state equivalent.
• Consult a qualified professional — a licensed financial adviser, accountant, or attorney — before making any significant financial decision.

You agree to defend, indemnify, and hold harmless Arthur Avenue Technologies, LLC and its officers, members, employees, and contractors from any claim, demand, loss, liability, and expense — including reasonable legal fees — arising out of or relating to: your use of the service; your violation of these Terms or of any law; your infringement of anyone’s rights; any information you enter, including anyone else’s personal or financial information; or any financial decision you make.

We will notify you of any claim we seek indemnity for, and you may control the defence with counsel we reasonably approve — except that you may not settle any claim in a way that imposes an obligation or admission on us without our written consent. We reserve the right to assume exclusive control of the defence at our own expense.

These Terms and any dispute arising from them are governed by the laws of the State of Louisiana and, where applicable, the Federal Arbitration Act, without regard to conflict-of-law rules. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

For any dispute not subject to arbitration, you and we consent to the exclusive jurisdiction and venue of the state and federal courts located in Caddo Parish, Louisiana, and waive any objection to that venue.

Nothing in this section deprives you of the protection of any mandatory consumer-protection law of the state where you live.

Any claim arising out of or relating to these Terms or the service must be brought within one (1) year after it arises, or it is permanently barred — except where a longer period is required by law, in which case the shortest period the law permits applies.

We may update these Terms. When we do, we change the “Last updated” date at the top and, for any material change, give you at least 30 days’ notice by email or a prominent in-app notice before it takes effect.

Continuing to use the service after a change takes effect means you accept it. If you do not accept it, stop using the service and delete your account before the effective date; if you are on a paid plan, tell us and we will refund the unused portion of your current term. Changes do not apply retroactively to a dispute that already exists.

You consent to receive communications from us electronically — by email, or by notice posted in the application — and agree that electronic communications, agreements, and notices satisfy any legal requirement that they be in writing. This consent is given under the federal E-SIGN Act.

To receive them you need an email account and a device with a current browser and internet access. You can withdraw this consent by deleting your account; we cannot provide the service without being able to reach you electronically. Some communications — security alerts, billing notices, legal notices, and these Terms — are transactional and are sent regardless of your marketing preferences.

1. Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and us about the service, and supersede any prior understanding.
2. Severability. If any provision is held unenforceable, it is modified to the minimum extent needed to make it enforceable, or severed, and the rest stays in effect — subject to section 19.5, which has its own rule.
3. No waiver. Not enforcing a provision is not a waiver of it.
4. Assignment. You may not assign these Terms without our written consent. We may assign them to an affiliate or in connection with a merger, acquisition, or sale of assets, on notice to you.
5. Force majeure. Neither of us is liable for a failure to perform caused by something beyond reasonable control — including outages at a hosting, payment, or communications provider, internet failures, natural disaster, war, epidemic, labour action, or government action.
6. No third-party beneficiaries. These Terms create no rights for anyone other than you and us, except that the disclaimers, limitations, and indemnities extend to our officers, members, employees, contractors, and suppliers.
7. Relationship. Nothing here creates a partnership, joint venture, agency, employment, or fiduciary relationship.
8. Notices. We give you notice at the email address on your account. You give us formal legal notice at legal@hemisphere.money and at the postal address in section 27.
9. Headings and summaries. Headings, the table of contents, and the “in plain English” notes are for convenience only and are not part of the agreement. Where a summary and the numbered text differ, the numbered text governs.
10. Export and sanctions. You will comply with United States export control and sanctions laws, and represent that you are not subject to them.
11. Accessibility. We aim to conform to WCAG 2.2 Level AA and are continually improving. If any part of the service is not accessible to you, tell us at support@hemisphere.money and we will work with you to provide the information or function you need.

These Terms and the Privacy Policy are written in English, and the English version controls. Any translation is provided for convenience only, and if there is any conflict or ambiguity, the English text governs. The parties have required that these Terms be drawn up in English.

For questions about these Terms, or to send formal legal notice: