Terms of Use
The handful of agreements between you and Hearth — kept short, said straight.
Hearth is a small, private budgeting app run by Sheldon Evans out of Canada. By signing in, you're agreeing to the few things on this page. If any of it doesn't sit right, don't sign in — and let us know what's off.
Who can use it
Hearth is invitation-only. Your email has to be on a household's allowlist before sign-in works. If you got here by accident, that's why the door is closed.
You're old enough to enter into an agreement (in most places, that's 18). You'll keep your account to yourself: don't share sign-in codes, sessions, or passkeys with anyone, including other people on your household.
What Hearth does, and what it doesn't
Hearth helps you organise transactions, set budgets, and watch savings goals. That's the whole job. It's a record-keeping tool, not a financial advisor.
- It does not move money, pay bills, or talk to your bank.
- The numbers it shows you are only as accurate as the data you import or enter.
- Category suggestions from our merchant-categorisation step are best-guess. Reclassify anything that looks wrong — it learns from your corrections.
- Nothing in the app is financial, tax, or legal advice. For real decisions, talk to a real advisor.
Your data, your responsibility
You're the one entering, importing, and categorising your records, so you're the one who knows whether they're right. Reconcile your accounts the way you would on paper — Hearth is a clearer view of your money, not an authoritative ledger.
If something looks off (a duplicate import, a misattributed transfer, a budget that won't behave), tell us. We'd rather hear about it than not.
What you agree not to do
- Don't try to access another household's data, poke at the API in ways it isn't meant to be poked, or upload files designed to trip the system up.
- Don't use Hearth for anything illegal or for money that isn't yours to manage.
- Don't scrape, mirror, or republish the app.
- If you find a security issue, please report it to [email protected] instead of exploiting it. We'll thank you.
The app may change
Hearth is built and maintained on the side. Features come and go. The schema evolves. Sometimes a screen looks different in the morning. We'll do our best to make changes feel like upgrades, and to give a heads-up before anything disruptive — but we're not running a press office, so the bar is "kind and clear", not "formal release notes".
We may also pause Hearth for maintenance, or take it offline if it stops being something we want to run. If we ever shut it down for good, you'll have a chance to export your data first.
No guarantees
Hearth is provided as-is. We work hard to keep it accurate and online, but we can't promise it will always be available, free of bugs, or perfectly correct. To the extent the law allows it, neither Sheldon nor anyone else helping run Hearth is liable for losses that flow from using it — financial decisions you made, downtime you hit, or data you lost. Back up anything you can't afford to lose.
Ending things
You can delete your account from the profile sheet at any time. After a 7-day grace period, your records are removed. Details are in the Privacy page.
We may end your access if you break these terms — most likely by quietly removing your email from the allowlist. We'll usually say why.
Governing law
These terms are governed by the laws of the Province of British Columbia, Canada. If something needs to be sorted out in court, that's where it happens.
Changes to these terms
If we change these terms, we'll update the date at the top. If the change is significant, we'll send a note to the email on your account. Continuing to use Hearth after a change means you're okay with the new version.
Get in touch
Questions, complaints, suggestions, or "hey, did you mean to do this?" — [email protected].