1. Eligibility and authority
You must be at least 13 years old. If you have not reached the age of legal majority where you live, a parent or legal guardian must authorize your use. If you use Statera for an organization, you represent that you have authority to bind it.
2. Your account
You can delete your account inside Statera from Settings → Account → Delete Account. Account deletion is permanent and is handled as described in the Privacy Policy.
- Provide accurate information and keep it reasonably current.
- Protect your credentials and device and notify us of unauthorized access.
- Do not share access in a way that bypasses a plan or security control.
- Accept responsibility for activity performed through your account unless applicable law provides otherwise.
3. What Statera provides
Statera helps you record and organize financial information, calculate a five-pillar Score and stage, plan budgets, identify patterns, complete challenges, and receive contextual explanations from an AI Coach. Available features depend on the plan, device, region, and current release.
Statera does not hold funds, lend, insure, transmit money or execute banking transactions. Where available, you may authorize account synchronization through Plaid; Statera does not receive your online-banking password. You are responsible for reviewing entered, imported or synchronized information. Connection availability and update times depend on your institution and provider.
3a. Bank connections and your authorization
You must be at least 18 years old to connect a bank through Plaid. Connect only accounts you own or are authorized to access and share with Statera. By completing the connection flow, you authorize Statera to receive and synchronize the selected account information on an ongoing basis for the purposes explained in our Privacy Policy. This authorization does not permit Statera to move money. Plaid’s applicable notices and terms are presented in its connection flow.
Imports and updates may be delayed, incomplete, duplicated at the source or temporarily unavailable. Your institution or Plaid may require you to reconnect or renew permission. Statera does not guarantee support for every bank or account or real-time information. Review imported movements and categories and compare them with your institution’s records when needed.
Optional AI categorization of bank transactions uses OpenAI or TypeSafe (Jev), depending on the configured service, only after you grant separate permission covering both providers. You can change this choice in Bank connections or, where available, AI & Privacy without disconnecting your bank. Review suggested categories; they may be incorrect.
You can request disconnection in Bank connections. This stops future synchronization and starts removal of Statera’s access through Plaid; provider removal may remain pending while it is retried. Previously imported records remain in Statera under the Privacy Policy and the available deletion controls. Deleting your Statera account starts the connection-removal and data-deletion process; canceling your Apple subscription is a separate action.
4. No professional advice
All Scores, stages, budgets, insights, challenges, projections, and Coach responses are informational and educational. They are not individualized financial, investment, legal, tax, accounting, credit, insurance, or medical advice. Statera is not a bank, registered investment adviser, broker, fiduciary, accountant, or law firm.
Outputs may be incomplete, delayed, or wrong, particularly when source data is missing or inaccurate. Review all proposed records and use independent judgment. Consult a qualified professional before acting on a decision with material consequences.
5. Free and paid services
Bank-connection plans and limits
Where offered, Statera Pro plans with banking include capacity for 2, 4 or 6 connections, as shown before purchase. A connection is one authorized bank access through Plaid and may include several accounts or cards. Separate accesses at the same institution may count as separate connections; manually entered accounts do not use this capacity. The purchase screen controls the current price, billing period and available plan.
Plan changes and loss of bank access
If a plan change reduces capacity below your existing connections, Statera blocks additional connections until you reduce usage or obtain sufficient capacity. Existing connections may continue synchronizing while bank access remains active; a downgrade does not arbitrarily choose connections to remove. When bank access expires or is revoked, synchronization stops and connections may be retired, subject to any applicable Apple-confirmed grace period. Imported history remains subject to the account and record controls. Canceling renewal does not itself end an unexpired paid period, disconnecting does not cancel billing, and a connection slot is released after provider removal is confirmed.
Plans and pricing
Statera may offer free and paid plans. The current paywall controls the authoritative price, billing period, trial, and included features before purchase. We may add, remove, or modify plans or future features, but changes do not alter an already purchased billing period except as permitted by law.
Apple billing
Apple processes in-app purchases using the payment method associated with your Apple Account. Statera does not receive your full payment credentials. Apple’s billing, refund, and platform terms also apply.
Automatic renewal
A subscription renews automatically for the same period unless you cancel at least 24 hours before the current period ends. Apple may charge your account within 24 hours before renewal at the price shown for the next period. Price changes are handled through Apple and applicable notice or consent rules.
Trials and promotions
Eligibility is determined by Apple and the offer shown in the app. Unless canceled before the trial or promotional period ends, it converts to a paid, auto-renewing subscription at the disclosed price. Unused trial time may be forfeited when you purchase where Apple permits.
Cancellation and refunds
Manage or cancel in iOS Settings or Apple’s subscription page. Cancellation takes effect after the paid period and generally does not create a prorated refund. Apple alone processes refunds under its policies. Deleting the app or your Statera account does not cancel the subscription.
6. App license and Apple terms
Your license to the iOS app is governed by Apple’s Standard Licensed Application End User License Agreement (Standard EULA), which is incorporated here by reference. These Terms govern the Statera account, website, content, subscriptions, and services. If there is a direct conflict about the iOS app license, the Standard EULA controls.
7. Your content and permission to operate the Services
You retain ownership of content you enter or upload. You grant Statera a limited, worldwide, non-exclusive license to host, copy, transmit, process, and display that content only as reasonably necessary to provide, secure, support, and improve the Services under the Privacy Policy. Statera retains Coach questions and answers on its servers to provide conversation continuity and response recovery for a 24-hour window from creation, with automatic cleanup every five minutes, or until account deletion if earlier. This license ends when the content is deleted, except for temporary backups and lawful retention.
You represent that you have the right to submit the content and that it does not violate law or another person’s rights. Do not upload another person’s sensitive financial data without authority.
8. Acceptable use
- Do not use the Services unlawfully, fraudulently, or to harm another person.
- Do not probe, defeat, or bypass authentication, plan limits, safety controls, or rate limits.
- Do not introduce malware, scrape the Services, overload infrastructure, or access accounts without permission.
- Do not reverse engineer the app except to the limited extent a law expressly permits.
- Do not resell, sublicense, copy, or use Statera content, methods, or output to build a competing service without written permission.
- Do not use AI features to generate illegal, deceptive, abusive, or rights-infringing content.
9. Statera intellectual property
Statera and its licensors own the Services, software, design, brand, illustrations, text, Score methodology, and other materials, excluding your content. No right is granted except the limited right to use the Services under these Terms and the Standard EULA. Feedback may be used without restriction or payment, but we will not publicly attribute it to you without permission.
10. Third-party services
The Services depend on providers such as Apple, Google, Supabase, Mixpanel, Sentry, Plaid, OpenAI, TypeSafe (Jev), and email infrastructure. Before using Coach, Statera asks for permission for question classification by TypeSafe (Jev), response generation by OpenAI, and storage of questions and answers by Statera for continuity and response recovery. AI-assisted entry requires its own permission for OpenAI and, for eligible structured CSV/TSV processing when enabled, TypeSafe (Jev), as explained in the Privacy Policy. You can decline or withdraw it without losing manual entry. This permission is separate from Coach and bank AI categorization. Optional topic contributions require a separate choice. Provider systems may be unavailable or subject to their terms. We are responsible for selecting and managing service providers as required by law, but we do not control services you use independently.
11. Changes, availability, and beta features
We may improve, replace, suspend, or discontinue features, including pre-release or beta features. We do not guarantee a launch date or that an announced future feature will be released. If a change materially reduces a paid service during an active billing period, we will provide a remedy required by applicable law.
We may update these Terms. Material changes will be communicated in the app, on the website, or by email before they take effect when required. Continuing to use the Services after the effective date accepts the revised Terms.
12. Suspension and termination
You may stop using Statera at any time. We may suspend or terminate access for a material breach, unlawful or abusive activity, security risk, nonpayment, or when needed to protect users or the Services. When reasonable, we will provide notice and an opportunity to cure. Sections that by their nature should survive termination remain in effect.
Termination of the Statera account does not by itself cancel an Apple subscription. You must cancel through Apple.
13. Disclaimers
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” STATERA DISCLAIMS IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT OUTPUTS ARE ACCURATE, THAT THE SERVICES WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT DATA WILL NEVER BE LOST. NOTHING IN THESE TERMS EXCLUDES A WARRANTY OR CONSUMER RIGHT THAT CANNOT LAWFULLY BE EXCLUDED.
14. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, STATERA AND ITS AFFILIATES WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR LOST PROFITS, REVENUE, DATA, OR GOODWILL, ARISING FROM THE SERVICES. OUR TOTAL LIABILITY FOR CLAIMS ARISING FROM THE SERVICES WILL NOT EXCEED THE GREATER OF USD $50 OR THE AMOUNT YOU PAID FOR STATERA IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM.
These limits do not apply to liability that cannot be limited by law, and some jurisdictions may give you additional rights.
15. Governing law and disputes
These Terms are governed by Delaware law, without regard to conflict-of-law rules, except that mandatory consumer law in your place of residence continues to apply. Before filing a claim, contact us and allow 30 days for an informal resolution. Courts with lawful jurisdiction in Delaware may hear disputes, unless your local consumer law permits or requires another forum. Nothing here limits a right to bring a claim before a regulator or small-claims court where permitted.
16. General terms
If part of these Terms is unenforceable, the remaining terms remain effective. Our failure to enforce a term is not a waiver. You may not assign these Terms without our consent; we may assign them in connection with a reorganization, financing, merger, acquisition, or sale. These Terms, the Privacy Policy, the applicable purchase disclosures, and the Standard EULA form the agreement governing the Services.
17. Contact
MAM Development Studio, LLC · Delaware, United States. Questions, notices, or support requests may be sent to: