Subscription & Billing Terms

Free and paid use

You can create an account, build workspaces, add manual accounts and transactions, and explore Superbasic Finance for free. Connecting a bank through Plaid requires a paid subscription.

How pricing works: per-bank slots

Subscriptions are billed per connected bank. Each bank you connect occupies one slot, regardless of how many accounts that bank holds. Pricing is a flat monthly amount per slot, shown to you at checkout before you pay. Billing is per user and spans all of your workspaces — connecting the same bank to more than one of your workspaces does not cost more.

• Capacity is purchased, not metered. You buy a number of slots and are billed for all of them each period, even if a slot is currently empty.
• Adding a slot increases your capacity by one and is charged immediately on a prorated basis for the remainder of the current period.
• Removing a slot reduces your capacity; the resulting proration is credited toward a future invoice rather than refunded to your card. Removing a bank frees its slot but does not, by itself, reduce the number of slots you have purchased — reducing capacity is a separate, deliberate action in the app.
• Removing a slot you are using. If every slot is occupied, you choose which bank gives up its live connection. That bank stops syncing and its accounts and transactions are converted to manual records you keep. Reconnecting it later takes a slot again.

Payment processing

Payments are processed by Stripe, Inc. By subscribing, you authorize us, through Stripe, to charge your payment method on a recurring basis. You agree to keep a valid payment method on file. Your card details are handled by Stripe and are subject to Stripe’s Privacy Policy; we do not store full card numbers.

Renewals

Each renewal is charged at the then-current price for your purchased capacity. The price is shown to you at checkout before you pay and on every Stripe receipt, and your invoices stay available in the Stripe customer portal you can open from the billing settings in the app. The number of slots you have purchased and the date your current period ends are shown in the app. Where the law requires advance notice of a renewal or a price change, we will send it to the email address on your account.

Failed payments

If a payment fails, your subscription may enter a past-due state. During this time we may continue your access while the payment processor retries the charge, but you will not be able to purchase additional slots until your billing is current. If payment is not resolved, your subscription may be canceled (see below).

Cancellation

You can cancel your subscription at any time through the billing settings in the app, which open the secure Stripe customer portal for managing your payment method, invoices, and cancellation. Capacity reductions that involve choosing which bank keeps live access are handled in the app rather than the portal.

When a subscription is canceled or lapses:

• your paid access continues through the end of the period you have already paid for;
• after that, your connected banks enter a 7-day grace period, measured from the end of that paid period, during which they keep working and renewing restores them in place;
• if you do not renew before the grace period ends, live bank connections are turned off and the previously imported data is converted to manual records you can keep, edit, or delete; and
• renewing after that point does not restore the old connection. Your records stay, but you will need to connect the bank again through Plaid, which consumes a slot just as a new connection would.

Cancelling stops future charges. It does not delete your account or your data — see Data Deletion if that is what you want.

Refunds

Except where required by law, payments are non-refundable, and we do not provide refunds or credits for partial billing periods, unused slots, or periods during which your account remained open but unused. If you believe you were charged in error, contact support@superbasicfinance.com and we will review it in good faith.

Price changes

We may change subscription pricing. If we do, the new price applies to your next renewal, and we will provide advance notice where required by law. The price shown to you at the time of purchase or renewal governs that charge. If you do not agree to a price change, you may cancel before it takes effect.

Taxes

Prices may not include applicable taxes. Where we are required to collect taxes, they will be added to your charge.

Relationship to our Terms

These Subscription & Billing Terms supplement and are incorporated into our Terms of Service. For how billing data is handled, see our Privacy Policy. Questions about billing? Email support@superbasicfinance.com.