Per Diem

Terms of Service

Last Updated: May 19, 2026

These Terms of Service ("Terms") govern your use of the Per Diem mobile app, website, and related services (together, the "Services"). By using the Services, you agree to these Terms.

Contents

1. The Service
2. Eligibility and Accounts
3. Subscriptions and Billing
4. Financial Connections
5. Ask AI and Third-Party AI Connectors
6. Acceptable Use
7. Intellectual Property
8. Suspension and Termination
9. Disclaimers
10. Limitation of Liability
11. Changes to These Terms
12. Contact

1. The Service

Per Diem is a personal finance and FIRE planning product. It helps users organize account data, track transactions and budgets, model goals, and review planning outputs. Per Diem is an informational planning tool and does not provide professional financial, investment, tax, accounting, legal, or fiduciary advice. Certain features require a paid subscription.

2. Eligibility and Accounts

  • You must be at least 18 years old to use the Services.
  • You are responsible for maintaining the security of your account credentials.
  • You must provide accurate information and keep it reasonably up to date.
  • You may not share your account in a way that violates these Terms or applicable law.

3. Subscriptions and Billing

  • Access to premium features may require an auto-renewing subscription purchased through Apple or another authorized platform.
  • Subscription pricing, trial or introductory offers, billing period, renewal date, and cancellation instructions will be disclosed before purchase by the platform through which you subscribe.
  • Billing, renewal, cancellation, refunds, and related purchase terms are governed by the platform through which you purchased your subscription.
  • Deleting your Per Diem account does not automatically cancel your platform subscription.

4. Financial Connections

If you connect bank, brokerage, or other financial accounts, you authorize Per Diem and its service providers to access, retrieve, and refresh the account data needed to provide the Services. You are responsible for ensuring that you have the right to connect and use those accounts with Per Diem.

5. Ask AI and Third-Party AI Connectors

  • Ask AI and third-party AI connectors are optional.
  • Per Diem only sends personal or financial data to a third-party AI provider or connector after the app has disclosed the sharing and you have granted permission.
  • Ask AI and third-party AI connectors may use your prompts, where applicable, and the financial context needed to answer them, including balances, transactions, budget data, income, holdings, and FIRE plan outputs.
  • AI responses may be incomplete, inaccurate, or not appropriate for your circumstances.
  • Per Diem is not responsible for how a third-party AI assistant presents, summarizes, or stores information after you authorize that assistant to access your Per Diem data.

6. Acceptable Use

You may not:

  • Use the Services for unlawful, fraudulent, or abusive purposes.
  • Attempt to interfere with the security or operation of the Services.
  • Reverse engineer or misuse non-public parts of the Services except where prohibited by law.
  • Use the Services to build or train a competing product using Per Diem content or systems.
  • Upload or transmit malicious code or harmful content.

7. Intellectual Property

Per Diem and its licensors own the Services and all related software, content, branding, and intellectual property, excluding user content and data you provide.

8. Suspension and Termination

We may suspend or terminate access to the Services if you violate these Terms, create security risk, misuse the product, or if we are required to do so by law. You may stop using the Services at any time and may delete your household from the app settings.

9. Disclaimers

  • Per Diem is an informational planning tool. It does not provide legal, tax, accounting, financial, investment, or fiduciary advice.
  • Per Diem is not a financial adviser, investment adviser, broker-dealer, tax adviser, accountant, attorney, credit repair company, credit counselor, consumer reporting agency, or fiduciary.
  • The Services do not recommend that you buy, sell, hold, or trade any security, investment product, or financial product, and they should not be treated as a comprehensive financial plan.
  • Per Diem does not provide consumer reports and the Services may not be used to make credit, insurance, employment, housing, lending, underwriting, eligibility, or similar decisions about any person.
  • Market data, account data, and synced balances may be delayed, incomplete, or inaccurate.
  • FIRE calculations and scenario modeling are estimates based on assumptions and historical inputs. They are not guarantees of future outcomes.
  • You are responsible for reviewing outputs, checking assumptions, and consulting qualified professionals before making financial, investment, tax, legal, or accounting decisions.
  • The Services are provided on an "as is" and "as available" basis to the fullest extent permitted by law.

10. Limitation of Liability

To the fullest extent permitted by law, Per Diem will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenues, data, goodwill, or business opportunities arising from or related to the Services. Our total liability for claims arising from the Services will not exceed the greater of the amount you paid to Per Diem during the 12 months before the claim arose or $100.

11. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will post the updated Terms, revise the "Last Updated" date, and may ask you to accept the updated Terms before continuing to use the Services.

12. Contact

Questions about these Terms can be sent to support@perdiem.app.