Balance Sheet organises your financial data and relays it, on your instruction, to an advisor you choose: by default the models on our own account, charged per run at cost plus 25 percent; or an AI provider using your own API key; or a business listed on our marketplace at a price it sets. The insights come from that advisor, not from us. Nothing the App shows is financial, investment, tax or legal advice, and nothing is sent or done without your approval. Disputes with a marketplace advisor go to Recourse first. By using the App you agree to these terms.
Balance Sheet (the "App") is published by BA Systems Ltd, a company incorporated in Georgia ("we", "us"). The App lets you record what you own, owe, earn and spend, state a goal, and send that information to an advisor you select. An advisor is either an artificial-intelligence model at a provider you choose (currently Anthropic, OpenAI or xAI), using an API key you obtain from that provider, or an advisor service listed on our marketplace by an independent business (a "Provider") at a monthly price the Provider sets. The App displays what the advisor returns as insight cards and helps you draft emails and calendar reminders based on them.
You choose the advisor, and with your own key also the model and the prompt template, and always the data that is sent. The advisor is the source of every insight and is named on every card. We do not select, rank by suitability, filter, verify or rewrite what it returns. Advisor rankings shown in the App are aggregate outcome statistics contributed by users, not our recommendation.
We are not a financial adviser, investment firm, broker, tax adviser, accountant or law firm, and we are not authorised or regulated as any of those in any jurisdiction. Nothing in the App, including the default prompt template, the insight cards and any draft email, is advice from us or a recommendation to buy, sell, hold, borrow, lend or take any other action. AI models make mistakes, including confident ones. Before acting on anything the App shows you, verify it and, where the decision matters, consult a qualified professional who knows your circumstances.
You may create an account with Sign in with Apple. You do not need one to track your finances or to use your own API key; you need one to subscribe to a marketplace advisor or to open a dispute. One account per person; keep your device secure, since anyone with it can act as you. You can delete the account in Settings at any time; a subscription in progress is cancelled at the end of the paid period.
You need an API key from your chosen provider. Your use of that provider, including any fees they charge for the requests the App makes on your behalf, is governed by your agreement with them, not with us. You are responsible for keeping your key secure, for the charges it incurs and for complying with the provider's usage policies. The App stores your key in the device's secure keystore and sends it only to that provider.
The default advisor runs on our own account with OpenRouter, a service that routes requests to Anthropic, OpenAI, xAI, Google and other model vendors. You pick the model; you do not need an API key. Each request is charged to your balance at the cost the model vendor charges us, as reported by OpenRouter, plus our markup of 25 percent. The App shows the cost of each run and your balance.
New accounts receive a small amount of free credit. When your balance is used up, requests stop until you top up or switch to your own key; nothing else in the App changes. Top-ups, when available, are paid through the app store or a card and are non-refundable except where the law requires, and unused credit has no cash value. Prices of individual models are set by their vendors and change without notice; the markup does not.
Section 1 applies in full: the model is the advisor, we relay it, and nothing it says is advice from us.
Providers list advisors on the marketplace and set their own monthly rate. A listing may be a single model or several working together; the listing says which. When you subscribe, the price shown is fixed for as long as the subscription lasts; a change of rate by the Provider needs a new agreement from you. We charge the Provider a commission of 20 percent of its rate. If you turn on outcome sharing (section 6) we hand 10 points of that commission back to you as a discount on the price. The Provider receives the same amount either way.
The Provider is an independent business, not our agent. Its listing description, its terms and its data-retention promise are its commitments to you; ours is to relay your requests to it, bill the agreed price, and provide the dispute route in section 8. We do not review a Provider's output before it reaches you and we make no promise about its quality, accuracy or suitability. Section 1 applies to marketplace advisors exactly as it applies to your own-key provider.
Subscriptions are billed monthly in advance once billing is live. You may cancel at any time and the subscription ends at the close of the paid month. Until card billing is available in the App, subscriptions are recorded but not charged, and the App says so.
If you turn on outcome sharing, the App sends your Provider an anonymised monthly record: the percentage change in your net worth, your goal category, and counts of actions approved and completed. In return you pay less, as set out in section 5. The Provider uses these records to improve its advisor and to show how its subscribers fare.
The discount is given on the basis that the record is an honest reflection of the data you entered in the App. Entering figures you know to be false, or manipulating entries to flatter or distort the record, breaches these terms. A Provider who believes a subscriber's records were dishonest may open a dispute under section 8; if the determination finds so, the discount for the affected months becomes payable, and we may end your access to outcome sharing or to the marketplace. Nothing in this section obliges you to share anything; the ordinary price buys the same service.
Everything you enter stays on your device, as described in our Privacy Policy. You are responsible for the accuracy of what you enter, for keeping a backup (the App can export a complete copy at any time), and for the security of your device. If you lose the device or delete the App without exporting, we cannot recover your data because we never had it.
Where you enter information about other people, such as tenants, agents or co-owners, you confirm that you are entitled to record it and to share it with your advisor.
If something goes wrong with a marketplace subscription, either you or the Provider may refer it to Recourse (https://recourse.so), an independent adjudication service, to be determined under the Recourse Standard Rules (https://recourse.so/rules/v1.0), which are incorporated into these terms by reference. Recourse acts as an expert, not an arbitrator, and issues a reasoned determination allocating fault in percentages with a money instruction. Opening a dispute is free for you. The App shows what is sent.
Between the Provider and us, the determination is final and binding as a matter of contract, save for fraud or manifest error. For you, if you are a consumer, the determination is a first-tier step that we and the Provider agree to honour; it does not bind you, and you keep every right to complain to a regulator or to bring a claim in court that the mandatory law of your country of residence gives you. If you are subscribing in the course of a business, the determination binds you in the same way it binds the Provider. Recourse is operated by a company in which our founder holds an interest; its rules and reasoning are published and every ruling carries its reasoning so that you can check it.
The App never sends an email, creates a calendar event or communicates with anyone on its own. When you approve an action, the App opens your mail or calendar app with a draft, and you decide whether to send or save it. You are responsible for checking the recipient and the content, and for anything you send. Drafts are generated by the AI model and may contain errors.
Live prices and exchange rates come from third-party services (Stooq, CoinGecko and open.er-api.com). They may be delayed, incomplete or wrong, and may stop being available. They are shown for orientation only and must not be relied on for any transaction.
If you opt in, the App contributes an anonymised monthly record to a ranking of advisors by outcome, as described in the Privacy Policy. Rankings, when shown, are informational. They reflect the aggregate experience of people with a similar goal category and are dominated by market movements rather than advisor quality. Past results do not predict future ones.
You can record that an asset is shared with someone else and note their share. In this version, inviting a co-owner sends them a message that you compose and send yourself; the App does not synchronise data between devices. Each person keeps their own copy.
We grant you a personal, non-exclusive, non-transferable licence to use the App on devices you own or control, for your own purposes and in accordance with these terms and the rules of the app store you obtained it from. You may not use the App to break the law, to send abusive or unlawful messages, to overload or attack the third-party services it connects to, or to attempt to obtain source code except to the extent the law allows.
The App's source code may be made available under an open-source licence; where it is, that licence governs the source code and these terms govern the published App.
Versions distributed through TestFlight or other testing programmes are pre-release software. They may be unstable, may change or lose data between versions, and may stop working when the test period ends. Please keep an export of your data while using a test version.
We may change, suspend or withdraw the App or any feature at any time. Because your data is on your device, withdrawing the App does not remove your data, and the export function will work for as long as the App runs. You may stop using the App at any time by deleting it. We may terminate your licence if you break these terms.
The App is provided "as is" and "as available", without warranty of any kind, express or implied, including warranties of accuracy, fitness for a particular purpose, merchantability and non-infringement. In particular, we give no warranty about the content, accuracy or suitability of anything produced by an AI model, a marketplace Provider or a price service.
To the fullest extent permitted by law, we are not liable for any loss or damage arising from your use of the App or reliance on anything it shows, including financial loss, loss of data, loss of profit, or any indirect or consequential loss, and we are not liable for the acts or omissions of a Provider. Where liability cannot be excluded, our total liability to you is limited to the greater of the amount you paid us in the twelve months before the claim and ten US dollars.
Nothing in these terms limits liability for death or personal injury caused by negligence, for fraud, or any liability that cannot be limited by law. If you are a consumer, you keep all the rights that the mandatory law of your country of residence gives you.
If you obtained the App from Apple's App Store or TestFlight, you acknowledge that these terms are between you and us, not Apple; that Apple has no obligation to provide maintenance or support for the App; that Apple is not responsible for addressing any claim relating to the App or your use of it, including product-liability, consumer-protection and intellectual-property claims; and that Apple and its subsidiaries are third-party beneficiaries of these terms and may enforce them against you. You confirm that you are not in a country subject to a US Government embargo or designated as a terrorist-supporting country, and are not on any US Government list of prohibited or restricted parties.
These terms are governed by the law of Georgia, and the courts of Georgia have jurisdiction over any dispute, except that if you are a consumer you may also rely on the mandatory consumer-protection law and courts of the country where you live.
We may update these terms. The effective date at the top will change when we do, and material changes will be shown in the App. Continuing to use the App after a change means you accept the new terms.
Questions about these terms: support@massage.st.