Effective date: June 11, 2026
These terms govern your use of the Snowballer mobile app ("the app"). By creating an account or using the app, you agree to them.
Snowballer is a personal habit and spending tracker with optional AI-generated coaching. It is a self-improvement and budgeting awareness tool.
Snowballer does not provide financial, investment, tax, legal, medical, or mental-health advice. The AI coaching messages and dollar estimates are automatically generated, reflective content based on the data you've entered. They may be inaccurate, incomplete, or unsuitable for your situation, and you should not rely on them for financial or health decisions. For decisions that matter, consult a qualified professional.
Receipt, check, and statement/screenshot scanning and voice entry use AI to extract transaction details, and may make mistakes (wrong amounts, dates, or categories). You are responsible for reviewing all extracted entries for accuracy before relying on them. This is especially important for statement/screenshot scanning, which can create many transactions from a single image at once.
You must provide a valid email address and keep your login credentials secure. You're responsible for activity under your account. You must be at least 13 years old to use Snowballer. You may delete your account at any time in Account → Delete Account, which permanently removes your data.
You agree not to: attempt to access other users' data; reverse-engineer, disrupt, or overload the service; use the AI features to generate abusive content or in automated bulk; or use the app for unlawful purposes. We may suspend or terminate accounts that violate these terms or abuse the service (including excessive automated use of AI features).
You own the data you enter into Snowballer. You grant us the limited rights needed to store, process, and display it back to you — including sending relevant portions to our AI service provider (Anthropic) when you use AI features — solely to operate the app. See the Privacy Policy for details.
Snowballer is provided on an "as available" basis. We may add, change, or remove features, and we may interrupt service for maintenance. We recommend you don't treat the app as your only record of financial information.
THE APP IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR LOSS OF DATA, PROFITS, OR SAVINGS, ARISING FROM YOUR USE OF THE APP. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE APP WILL NOT EXCEED THE AMOUNT YOU PAID US FOR IT IN THE PAST TWELVE MONTHS.
Some jurisdictions don't allow certain limitations, so parts of the above may not apply to you.
These terms are governed by the laws of the United States and the state in which the app's operator resides, without regard to conflict-of-law rules.
If we make material changes, we'll update the effective date above and note the change in the app or its store listing. Continued use after changes means you accept the updated terms.
Questions: snowballer.app@gmail.com
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