Terms & conditions

At a glance

• These terms are an agreement between you and Good Steward Technologies Inc., a company in Ottawa, Ontario.
• Good Steward Money is a paid subscription. Prices, currency and any free trial are shown on our pricing page and before you pay.
• Plans renew until you cancel. You can cancel any time in the app and keep access until the end of the period you paid for.
• Good Steward gives you tools and general information. It is not financial advice.

1. Who we are and what these terms cover

"Good Steward", "we" and "us" mean Good Steward Technologies Inc., 2258 Hillary Ave, Ottawa, Ontario K1H 7J1, Canada. These terms cover Good Steward Money, Good Steward Local, the website at goodsteward.io, the free tools and the training. Together, these are "the service".

Our Privacy Policy explains how we handle personal information and is part of these terms. By creating an account or using the service, you agree to these terms. If you don't agree, please don't use the service.

2. Who can use the service

You must be 18 or older. The service is built to currently serve users in Canada and the United States, and anyone may use it. If you use it from elsewhere, you do so at your own risk and you are responsible for following your local laws. Bank connections work only with North American banks.

3. Your account

Use your real email address and keep your password to yourself. Each account is for one person, and you are responsible for what happens in it. If you think someone else has used your account, email support@goodsteward.io right away.

We send service messages to your account email, such as receipts, trial and renewal reminders, and notice of changes to these terms. You agree to receive them by email.

4. Plans, trials and billing

Our pricing page and sign-up screens show the plans, prices, currency and any free trial. Before you pay, they also show when you will be charged and how to cancel. Taxes are added where they apply.

If your plan starts with a free trial, its length and the price after it are shown when you sign up. Unless you cancel before the trial ends, we charge the payment method you gave us for the plan you chose. The plan then renews for the same period until you cancel.

Payments are handled by our payment processor, and we don't receive your full card number. If a payment fails, we may retry it and pause your access to paid features until it goes through. You can still export your data.

These billing terms apply to every paid plan, including the paid bank sync service in Good Steward Local.

5. Canceling and refunds

You can cancel any time in the app. You keep access until the end of the period you paid for, and you won't be charged again. If you cancel during a free trial, you won't be charged.

We don't refund the current period unless the law requires it, but if something went wrong, email us and we'll look into it.

6. Price changes

We may change our prices. We'll tell you by email in advance, and the new price applies from your next renewal after that notice. You can cancel before then.

7. Good Steward Local

Good Steward Local is free to use, apart from its optional paid bank sync service, and is provided as it is. We keep it running, but we may not add new features. If we decide to end it, we'll give you notice and help you move your data.

8. Bank connections

Bank connections are optional and work only with North American banks. When you connect a bank, third-party data providers retrieve your account information, such as balances and transactions, and pass it to us. Their own terms may also apply.

We never see or store your bank sign-in details, and we can't move money. Banks and these providers sometimes send data late, incomplete or wrong, so check important figures against your bank. You can disconnect a bank at any time.

9. Not financial advice

Good Steward gives you tools and general information to manage your own money. It is not financial, tax, investment or legal advice, and the decisions you make are yours.

This includes budgets, plans, projections, check-in results, calculators, help articles and training sessions. Training sessions are budgeting education: our trainers teach budgeting methods and how to use our tools. They are not financial advisors or financial planners, and they don't give personalized financial, investment, tax or legal advice.

10. Your data

The information you add to Good Steward stays yours. You let us store, process and display it as needed to provide the service to you, as our Privacy Policy describes. You can export your data at any time. Our Privacy Policy explains how to delete your account and its data.

11. Acceptable use

Don't use the service to:

• break the law or help someone else break it;
• try to reach other people's accounts or data;
• interfere with, overload or test the security of the service without our permission;
• copy, scrape or reverse engineer the service, except where the law allows;
• resell the service or share paid access with people outside your account.

12. Our software and your feedback

We own the service, including its software, design, and the Good Steward name and logo. These terms give you a personal right to use the service while your account is in good standing. They don't transfer any ownership to you. Some parts are open-source software, which its own license covers.

If you send us ideas or suggestions, we may use them without owing you anything.

13. Changes to the service

We change and improve the service over time, and we may add or remove features. We don't promise that the service will always be available or free of errors.

If we close a product, we'll give you reasonable notice and a way to export your data.

14. Ending this agreement

You can stop using the service and cancel at any time. We may suspend or close your account if you break these terms, don't pay, or the law requires it. Where reasonable, we'll tell you first and give you a chance to export your data.

15. Disclaimers and limit of liability

To the extent the law allows, the service is provided "as is" and "as available", without warranties of any kind.

To the extent the law allows, we are not liable for indirect, incidental, special or consequential losses, or for lost profits or lost data. Our total liability for any claim about the service is limited to the greater of the fees you paid us in the 12 months before the claim and US$100.

Nothing in these terms limits rights you have under consumer protection laws that can't be given up by agreement.

16. Law and disputes

If you have a problem, contact us first at support@goodsteward.io, and we'll try to resolve it. These terms are governed by the laws of Ontario and the federal laws of Canada that apply there. Disputes go to the courts of Ontario.

If you live in Quebec, or anywhere else where consumer law gives you the right to use your own laws or courts, you keep that right.

These terms are written in English. If you live in Quebec, you have expressly asked that these terms and all related documents be in English only. Si vous habitez au Québec, vous avez expressément demandé que ces conditions et tous les documents qui s'y rattachent soient rédigés en anglais seulement.

17. Changes to these terms, and contact

We may update these terms. For material changes, we'll email you in advance, before they take effect. Other changes take effect when we post them with a new "Last updated" date. If you keep using the service after a change takes effect, you accept the new terms. If you don't agree, you can cancel.

Good Steward Technologies Inc.
support@goodsteward.io