Larder — Terms of Use

These terms apply to new users from the “last updated” date above. For people already using Larder, they take effect 30 days after we tell you about them in the app; until then, the previous terms apply to you. You can read them at larderbudget.com/terms/2026-09-06.

These terms are an agreement between you and Yeonwoo Lee, who makes and operates Larder (“we”, “us”). They cover the Larder app and the optional Larder Pro subscription. If you got Larder from the App Store, Apple’s standard Licensed Application End User License Agreement (the “Standard EULA”) also covers your licence to use the app, as section 14 describes.

1. What Larder is

Larder helps you plan your money by hand. You enter your own pay, bills, budgets and spending. Larder does not connect to your bank and never moves money.

2. Not financial advice

Forecasts, the figures in the coach’s answers, suggested amounts and similar figures are worked out from what you entered, using the rules the app describes. They are for your own planning. They are not financial, investment, tax or legal advice, and they can be wrong if what you entered is incomplete or your real income and bills change. Decisions about your money are yours.

3. Larder Pro

Larder is free to use. Larder Pro is an optional auto-renewing subscription, sold by Apple through the App Store, yearly or weekly. The price and any free trial are shown on the App Store before you buy.

Payment is charged to your Apple Account when you confirm the purchase. It renews automatically at the same price and length unless you turn off auto-renew at least 24 hours before the current period ends. You can do that at any time in your App Store account settings, or from Settings → Larder Pro → Manage subscription in the app.

If you cancel, Pro stays on until the end of the period you already paid for. Refunds are decided by Apple under its terms; you can ask Apple from reportaproblem.apple.com or from the app. If we ever raise the price, Apple tells you first and, where its rules require, asks for your consent before the higher price applies.

4. How Larder and Larder Pro can change

We keep improving Larder, so features will change over time. We will only change or remove a feature — including one that is part of Larder Pro — for a valid reason: (1) to fix a bug, a security problem or a privacy risk; (2) to follow a law, a regulator, or the rules of the App Store or Apple’s platforms; (3) because a service the feature depends on changes, stops, or becomes unreasonably costly; (4) to replace the feature with one that serves the same purpose; or (5) because the feature is rarely used or can no longer be made to work reliably.

If a change significantly reduces what Larder Pro includes, we will tell you in the app, and by email if we have yours, at least 30 days before it takes effect. If it has to happen sooner — for security, legal, or service-availability reasons — we will tell you as soon as we reasonably can, and no later than when it happens, and say why. Changes apply going forward only; they never change what you already paid for a past period. We will not take a feature out of Larder Pro in order to sell it separately.

When a change like that happens, you can cancel at any time and keep Pro until the end of the period you already paid for, and you can ask Apple for a refund. If you live in the EU, the EEA or the UK, you can also end your subscription free of charge within 30 days of the change or of being told about it, whichever is later, with a refund of the unused part of the period as your local law provides. Because Apple takes the payment, refunds go through Apple first; if Apple does not refund you, contact us and we will make sure your rights are honoured.

Adding features, fixing bugs, or changing how a screen looks does not need advance notice.

5. Changes to these terms

If we change these terms in a way that matters to you, we will tell you in the app, and by email if we have yours, at least 30 days before the new terms apply, tell you what is changing and where to read the new terms, and show the date at the top. When we tell you, we will say plainly that if you don’t tell us before that date that you disagree, you will be treated as agreeing. New terms apply going forward only and do not apply to any dispute that arose before they took effect. Section 13 has its own rules for changes to it, and using Larder is never enough to accept section 13. If you don’t agree, you can stop using Larder and cancel Pro before they take effect, and ask for a refund of the Pro time you won’t use (section 4).

6. Using Larder fairly

Use Larder for your own lawful, personal purposes. Don’t try to break, overload, reverse-engineer, or get around the app’s limits or its purchase checks, and don’t access anyone else’s data. You are responsible for keeping your phone and your sign-in secure. If you share a budget with someone, you both can see and edit it.

7. Your data

We handle your data as described in the Privacy Policy, including sync through Supabase, subscription management through RevenueCat, optional AI processing through OpenAI, and consent-based ad attribution through Meta. What you enter stays yours. You can erase your budget or delete your account from Settings at any time.

8. The coach

The coach is part of Larder Pro, and we are responsible for it like any other part of Larder. The app works out its figures from your plan. If you allow it, what you type is answered by an AI service (OpenAI) that reads your plan and the spending you’ve logged. Larder checks the figures in a reply against your plan before showing it, but that check can miss things, and a reply written by an AI can be wrong, incomplete, or misleading. If you don’t allow it, the coach answers the questions it lists on your iPhone. Either way, its replies are information for your own planning, not advice (section 2); check anything important before you rely on it. The coach may decline or fail to answer, we may change or discontinue it under section 4, and we may move its replies to a different AI provider under section 15.

9. Warranty

We work hard to make Larder correct and reliable, but we can’t promise that it will never be interrupted or have errors, or that forecasts will match what actually happens — they depend on what you enter (section 2).

If you live in the United States, we provide Larder “as is” and “as available”, and, to the extent your state’s law allows, without implied warranties such as merchantability or fitness for a particular purpose.

If you live anywhere else, Larder must match its description, be of the quality you can reasonably expect, and do what it is meant to do. If it doesn’t, you have the remedies your law gives you, such as having it fixed, a price reduction or a refund.

10. Limit on liability

If you live in the United States, we are not liable for indirect or consequential losses that arise from your use of Larder — for example a late fee, an overdraft charge, lost profits or lost data — and our total liability to you for all claims about Larder is limited to the greater of what you paid for Larder Pro in the 12 months before the claim, or US$100. We set Larder Pro’s price relying on these limits.

If you live anywhere else, those two limits don’t apply to you. We are responsible for loss you suffer that is a foreseeable result of our breaking these terms or of our failing to use reasonable care and skill, and not for loss that isn’t our fault. We are responsible for loss that comes from special circumstances only if we knew, or could have known, about them. If both of us are partly at fault, each of us is responsible for our own share. Larder is for personal use, so we are not responsible for business losses. You also keep every right the consumer law where you live gives you.

Wherever you live, nothing in these terms limits our liability for fraud, for harm we cause on purpose or through gross negligence, for loss caused by our breaking a law, or for death or personal injury caused by our negligence.

11. Ending this agreement

You can stop using Larder at any time. Deleting the app does not cancel Pro — cancel it in your App Store settings. We may suspend access for someone who abuses the service or breaks the law, and where reasonable we will tell you why first. If we ever stop offering Larder or Larder Pro, section 15 says what we will do.

12. Which law applies

These terms are governed by the laws of the State of California, USA, without regard to its conflict-of-law rules. If you use Larder as a consumer, you also keep the protection of the mandatory laws of the country or state where you live. Outside section 13, you can bring a claim in the courts where you live, and nothing here stops you from using a small-claims court.

13. Disputes in the United States: arbitration

Who this section covers

This section applies only if you live in the United States, and only once you have accepted these terms by tapping the button next to the notice that names them in the app (for example, the button that starts Larder Pro). It does not apply to anyone who lives outside the United States, and it does not apply to anyone who has not accepted these terms that way — using Larder, or being told about these terms, is not enough. It never applies to a claim that arose, or that either of us knew about, before you accepted. You accept these terms, including this section, at the moment you tap it, whether or not you complete the purchase that follows.

Talk to us first

Before either of us starts an arbitration or a small-claims case, the one with the claim sends the other a written notice: your name, the email you use with Larder or your Apple Account, what happened, and what you want. We send ours to the email you use with Larder; you send yours to support@larderbudget.com. We will both try in good faith to resolve it for 60 days after the notice arrives. Any time limit for bringing the claim is paused for both of us during those 60 days.

Small-claims court

Either of us may take an individual claim to small-claims court in the county where you live instead of arbitration, as long as the claim qualifies there and stays there.

Arbitration

Any other dispute between you and us that arises from or relates to your use of Larder or Larder Pro, your payment for Larder Pro, or these terms is settled by binding arbitration of your individual claim. This means that instead of asking a court to decide, you and we will have an arbitrator decide the dispute. The American Arbitration Association (AAA) runs it under its Consumer Arbitration Rules and, when they apply, its Mass Arbitration Supplementary Rules — each in the version in effect on the day the arbitration is filed, as long as those rules do not reduce the protections this section gives you. The rules are at adr.org. The Federal Arbitration Act governs this section. The hearing is held by phone or video, or in person in the county where you live. The arbitrator can award you, individually, any relief a court could award you individually, and follows the same law a court would.

Fees

We pay every AAA filing, administration and arbitrator fee, for both of us, including in a mass arbitration, unless the arbitrator finds, under the standard of Federal Rule of Civil Procedure 11(b), that your claim was frivolous or brought for an improper purpose. Each of us pays our own lawyer unless a law or the AAA rules allow the arbitrator to award fees.

No class actions

You and we each bring claims only for ourselves, not as a plaintiff or member of a class, collective or representative action, in arbitration or in court. When many similar claims are filed, the AAA may administer them together under its Mass Arbitration Supplementary Rules, but each claim is still decided on its own facts, and a decision in one person’s case does not bind anyone else.

Public injunctive relief

Nothing in this section stops you from asking a court for an injunction that protects the public under a law that allows it, such as California’s Unfair Competition Law, Consumers Legal Remedies Act or False Advertising Law. That request goes to a court in the county where you live and waits until the arbitration of your individual claims ends.

If part of this section can’t be enforced

If a court decides that a particular claim or request for relief can’t be arbitrated under this section, only that claim or request goes to court and everything else stays in arbitration. If the class-action waiver can’t be enforced for a claim, that claim goes to court, not to a class arbitration. A court, not the arbitrator, decides whether this section applies to a dispute and whether it can be enforced.

Opting out

You can opt out of this section within 30 days after this section first applies to you (the day you first tap as described above), by emailing support@larderbudget.com from your own email with the subject “Arbitration opt-out” and your name. Opting out changes nothing else in these terms, and it doesn’t affect any other arbitration agreement you have with us.

If we change this section

A change never applies to a claim that arose, or that either of us knew about, before the change takes effect. We will tell you in the app at least 30 days before a change applies to you, and you can reject it by emailing us before then; the version you accepted then keeps applying to you.

Jury

For claims that go to arbitration, you and we give up the right to a jury trial. Claims that go to court under this section keep every right the court gives them.

Apple

This section covers disputes between you and us only. It does not change anything between you and Apple, including asking Apple for a refund.

14. Apple

These terms are between you and us only, not with Apple, and we — not Apple — are responsible for Larder and what it contains. These terms govern disputes between you and us about Larder and Larder Pro. Apple’s Standard EULA, where it applies, also covers your licence to use the app; where it and these terms differ, these terms apply between you and us, and it does not change or add to the arbitration agreement in section 13. Apple’s own terms cover the App Store purchase.

Licence

You may use Larder on Apple devices you own or control, as Apple’s App Store rules (the Usage Rules in the Apple Media Services Terms) allow, including Family Sharing where it’s offered. The licence can’t be transferred.

Support

We provide support for Larder (support@larderbudget.com). Apple has no duty to provide support for it.

Warranty

If Larder fails to meet a warranty that applies to it, you can tell Apple, and Apple will refund the price you paid for the app. To the extent the law allows, Apple has no other warranty duty for Larder; any other claim about a warranty is ours to handle.

Claims

We, not Apple, handle any claim about Larder or your use of it — including product liability, a claim that Larder breaks a law or regulation, and claims under consumer protection or privacy law.

Intellectual property

If anyone claims that Larder or your use of it infringes their intellectual property, we, not Apple, handle it.

Legal compliance

You confirm that you are not in a country under a U.S. Government embargo or designated by it as “terrorist supporting”, and that you are not on a U.S. Government list of prohibited or restricted parties.

Other services

When you use Larder, you also follow the terms of any other service you use with it (for example, your mobile data plan).

Apple as beneficiary

Apple and its subsidiaries are third-party beneficiaries of these terms and, once you accept them, may enforce them against you.

15. Things that can happen later

Some things may happen after you start using Larder. If they do, this is what we will do.

Outages at services we rely on

Parts of Larder rely on other companies: Apple (purchases, notifications and widgets), Supabase (the server that syncs your plan), RevenueCat (your subscription status) and OpenAI (the coach’s written replies). If one of them has an outage, or changes something, that we could not have prevented with reasonable care, the part that needs it may stop working for a while, and we are not responsible for that interruption. We will work to restore it as soon as we reasonably can. If Larder Pro can’t be used for a long time, you can cancel and ask for a refund of the time you couldn’t use (section 4).

Events no one can control

We are not responsible for not providing Larder while something outside our reasonable control, and not caused by our fault, stops us: a natural disaster, fire, flood, war, terrorism, riot, epidemic, a government order, or a widespread failure of the internet, power or telecommunications. We will tell you what is happening when we can and restore Larder as soon as we reasonably can. Even then, you can ask for a refund of paid Pro time you couldn’t use (section 4).

Reminders, widgets and sync

Reminders, widgets and sync are a help, not a guarantee. They depend on your iPhone’s notification and Focus settings, on iOS deciding when to refresh a widget, on Apple delivering notifications, and on your internet connection, so they can be late or not arrive. Please keep track of your own due dates and balances. If one fails because of our fault, we are responsible as section 10 describes; if it fails without our fault, we are not responsible for a late fee, an overdraft charge or another cost that follows.

If data is lost

Larder keeps your plan on your iPhone and, once it has synced, on our server, and you can export your transactions at any time (Settings → Your data → Export transactions (CSV)). If we lose your data through our fault, we are responsible as section 10 describes. We are not responsible for data lost because you deleted it, erased the app or your account, reset or changed your device, or let someone use a sign-in you didn’t keep secure. If both of us are partly at fault, each of us is responsible for our own share.

A different AI provider

We may move the coach’s written replies from OpenAI to another AI provider — for example if OpenAI changes or ends its service or its prices. Before your questions go to a new provider, we will update the Privacy Policy and tell you in the app. If what is sent, or how it may be used, changes, we will ask for your permission again.

Free features that become part of Pro

We may make a feature that is free today part of Larder Pro. We will tell you in the app at least 30 days before. What you already entered stays yours: you can still see it, export your transactions and delete it, free.

Preview features

We may label a new feature “Preview” in the app while we test it. A preview can change, pause or end sooner than other features, without the advance notice in section 4, and it isn’t counted when we decide whether a change reduces what Larder Pro includes. We won’t label something that is already part of Larder Pro as a preview to get around section 4, and we stay responsible for our own fault as section 10 describes.

If Larder is sold

If Larder is sold or passed to another company or person, we may transfer this agreement to them only if your rights under these terms and the Privacy Policy stay the same. We will tell you in the app, and by email if we have yours, at least 30 days before. If you don’t want to continue with the new owner, you can cancel and ask for a refund of the Pro time you won’t use (section 4).

If Larder closes

If we stop offering Larder or Larder Pro — for example because the business is sold or wound up, or keeps losing money — we will tell you in the app, and by email if we have yours, at least 30 days before, with the date, the reason and what you get back. Paid Pro time you can’t use is refunded (section 4), you can export your transactions before the end, and you can still ask us for a refund until at least 30 days after it closes.

16. Refunds and compensation for users in Korea

If you live in Korea, this section also applies to you, as Korea’s Content Industry Promotion Act requires.

Wrong payments

If you were charged twice, or charged after you cancelled in time, ask Apple for a refund from reportaproblem.apple.com or from the app. If Apple doesn’t refund a payment like that, email us and we will refund it ourselves.

Cancelling and withdrawing

You can cancel at any time as section 3 describes, and Pro stays on until the end of the period you paid for. To withdraw a purchase within the period Korean law gives you, you can ask Apple for a refund or email us — you don’t have to ask Apple first. If you email us, or Apple refuses a withdrawal the law allows, we will refund it ourselves.

If Pro can’t be used

If, through our fault, Larder Pro can’t be used for 24 hours in a row or longer, we will extend your Pro by the time lost or refund that part of the price, whichever you choose.

How to ask

Email support@larderbudget.com with what happened and when. We will reply within 7 days.

Disputes

If we can’t settle it between us, you can ask the Korea Consumer Agency or the Content Dispute Resolution Committee to mediate, or bring a claim in a Korean court as section 12 allows.

17. The rest

These terms and the Privacy Policy are the whole agreement between you and us about Larder; section 14 says how Apple’s Standard EULA fits with them. If a court finds any part of these terms unenforceable, the rest still applies, except as section 13 says for that section. If we don’t enforce a part right away, we haven’t given it up.

This app was released as Stash and is now called Larder. The developer is unchanged.

Contact

Larder is operated by Yeonwoo Lee. Questions: support@larderbudget.com.