Customer Support.

All support inquiries, bug reports, refund questions, and general correspondence may be directed to the email address set out below. We endeavour to acknowledge inquiries within twenty-four (24) hours during business days and within seventy-two (72) hours on weekends and statutory holidays.

Email: support@costme.io

For security-related disclosures, refer to the Security page and the responsible-disclosure procedures set out therein.

2.1 Subscription Tiers.

The Service offers a free tier (Jade) and paid tiers: Opal / Premium ($7.99/mo or $59.99/yr) and Flint / Pro+ ($19.99/mo or $159.99/yr), available on the web (and on native iOS and Android once those applications are released), plus the web-only Flint Max ($200/mo). On the website and progressive web app, subscriptions are billed and processed through Stripe. On iOS, once the native application is released, subscriptions are billed and processed through Apple Inc. CostMe does not store full payment-card numbers; those are held by Stripe or Apple.

2.2 Cancellation.

For iOS subscriptions, cancel through your Apple account: Settings → tap your name → Subscriptions → CostMe → Cancel Subscription. For web and PWA subscriptions, cancel through the Stripe customer portal accessible from in-app Settings. Cancellation takes effect at the end of the then-current billing period.

2.3 Refunds.

Each subscription helps cover the real costs of running CostMe: AI compute for Amy, secure storage and processing on our backend, payment processing fees, and the small team building and supporting the product. Because these costs are incurred as soon as your subscription begins, all sales of web and PWA subscriptions (Stripe) are final. You can cancel future renewals at any time through the Stripe customer portal (accessible from in-app Settings); cancellation stops the next billing cycle and you retain access through the end of the current period. Once a charge is made, it is non-refundable.

iOS purchases (Apple): Refund requests for App Store purchases are handled exclusively by Apple under Apple's refund policy. Submit a request through reportaproblem.apple.com. CostMe does not have visibility into Apple refund determinations and cannot override them. See the Terms of Service for the complete all-sales-final and auto-renewal policy.

3.1 Data Deletion.

Users may delete their account and all associated data - including data stored on CostMe's servers (account details, vault history, and Amy chat history) - from within the CostMe application via Profile → Settings → Delete all my data. The action is irreversible. For detail on what data is retained and for how long, refer to the Privacy Policy.

3.2 Account Required.

An account is required to use the Service. Users register and sign in by email and password or by Sign in with Apple. The User is solely responsible for the security of their authentication credentials. CostMe does not have access to authentication credentials managed by third-party identity providers.

3.3 Data Portability and Rights Requests.

Requests for access, portability, correction, restriction, or other rights enumerated in the Privacy Policy must be submitted in writing to the contact address in Section 1 and shall be processed in accordance with the procedures set out in Section 7 of the Privacy Policy.

4.1 Amy Chat Service.

The in-application chat feature (“Amy”) is an AI assistant whose responses may be inaccurate, incomplete, or out of date and do not constitute financial, investment, tax, legal, or other professional advice. Amy is subject to reasonable fair-use limits; usage may be rate-limited or throttled, and plans described as “unlimited” remain subject to those limits. Limits may vary by tier and change over time. Where applicable limits are reached, the User may be temporarily unable to access the feature. See Terms of Service § 9A (Fair Use & Usage Limits). Users experiencing persistent issues should contact support at the address in Section 1.

4.2 Bank Statement Import (on the way).

Bank-statement import is a planned feature and is not yet available in the web app. Once available, it will process user-supplied documents in CSV, PDF, and image formats, and compatibility may vary by financial institution and document layout. CostMe does not request that Users submit copies of statements unless expressly invited to do so.

4.3 Calculation Accuracy.

Calculations, projections, and forward-looking estimates generated by the Service are illustrative only and are based on inputs supplied by the User. Such outputs do not constitute investment, tax, or legal advice. Users should consult qualified professionals before making any financial decisions. Refer to Section 2 of the Terms of Service for additional disclaimers.

Reports of defects, unexpected behaviour, or proposed improvements may be submitted by email to the address in Section 1. To facilitate investigation, Users are requested to include, where applicable: the iOS version, the device model, the application version, a description of the observed behaviour, and the steps to reproduce. Screenshots and screen recordings are accepted attachments.

The CostMe application is updated periodically. Updates may include feature additions, defect corrections, security remediations, and operating-system-compatibility improvements. Users are encouraged to keep the application current. The Service makes no warranty that prior versions will remain functional indefinitely.

The support resources described herein are provided as a courtesy and do not constitute a contractual support obligation, except as expressly set forth in the Terms of Service. CostMe reserves the right to modify, suspend, or discontinue any support resource at any time, with or without notice, except as required by applicable law.

The following resources supplement and inform the information provided herein:

• •Privacy Policy - data collection, use, sharing, and rights.
• •Terms of Service - contractual terms governing use of the Service.
• •Security - security practices and vulnerability-disclosure procedures.