Terms of Service

• You must provide accurate sign-in information (phone, Google, or Apple) and keep your account secure.
• You are responsible for activity that happens under your account.
• You must be at least 13 years old to use Homina. Family pods are created and managed by a subscribing adult on behalf of their household.

You agree not to:

• Use Homina to harass, threaten, spam, or defraud anyone.
• Attempt to access another person's data, pods, chats, or money without their permission.
• Reverse engineer, scrape, or overload the service, or interfere with its security measures.
• Use Homina for unlawful transactions or to launder money.

We may suspend or terminate accounts that violate these rules or applicable law.

• Homina offers paid plans, including Homina Family and Homina Premium, billed monthly or annually. Paid features include in-app transfers, budgeting tools, and Family pods; free accounts keep access to pods, chat, and saving goals with manual (recorded) contributions.
• Subscriptions are billed per pod. Each pod pays for its own plan through its billing page, and payments are processed by Stripe. We never see or store your full card number.
• Plans renew automatically at the end of each billing period until canceled. You can cancel at any time from your pod's billing page; cancellation stops future charges and the plan stays active until the end of the period already paid for.
• Prices are shown at checkout before you confirm. Where required by law, we may adjust prices with notice.

• When you link a bank, Homina retrieves account names, types, masked account numbers, balances, and transactions through Plaid. Your bank credentials go directly to Plaid and are never stored by Homina.
• You can unlink a bank at any time, which stops future syncing. Transaction data already imported stays in your budget history until you remove it.
• Linked-bank balances and transactions are used to power your Homina Balance, budget totals, and spending plans. Plaid's terms also apply to your use of its connection window.

• Homina Balance reflects money inside the app. Sending, requesting, depositing, withdrawing, and contributing to goals are recorded by Homina, and completed transfers adjust your balance.
• You are responsible for entering correct amounts and choosing the right recipient or pod. Completed transfers cannot be reversed by Homina; you can request money back from the recipient.
• Homina is not a bank. Balances and transfers are provided through our payment service providers, and Homina does not hold your money as a licensed depository institution.

• You keep ownership of the content you create. By using features like shared calendars and pod calendars, you allow the friends and pod members you explicitly approve to view that content.
• Pod owners and members with the right role can manage pods, rename them, invite or remove members, and control each pod's plan and mode (Normal or Family).
• Chats between members are end-to-end encrypted; we cannot read their contents.

Budget plans, category suggestions, and weekly spending plans are generated with AI. They are estimates to help you plan — not financial, legal, or tax advice — and may be incomplete or wrong. Review them before acting on them.

We work to keep Homina available and improve it over time, but we may change, pause, or discontinue features. If we discontinue a paid feature you subscribe to, we will notify you and handle your subscription fairly. We may update these terms; material changes will be announced in the app with the new effective date, and continued use after that means you accept the update.

Homina is provided “as is.” To the fullest extent permitted by law, we disclaim warranties of merchantability, fitness for a particular purpose, and non-infringement. To the fullest extent permitted by law, our total liability to you for any claim relating to the service is limited to the amount you paid us in the 12 months before the claim arose. Nothing here limits liability that cannot be limited under applicable law.

You can stop using Homina and request account deletion at any time. We may suspend or terminate your access for violations of these terms, fraud, or security risks. Sections that should survive termination (such as billing obligations already incurred and liability limits) do so.

Questions about these terms? Reach us through the Support section of the Homina app menu. See also our Privacy Policy, Data Retention & Disposal Policy, and Security Overview.