Terms

Here are the terms for using Junto, written so you can understand them. In short: the free product is free forever, Junto AI is a subscription, and you can cancel anytime.

The free product

Everything a household needs to budget together — the shared budget, the Safe to Spend number, savings and access for your own AI — is free forever. Collaboration is never paid, no matter how many of you are in the household.

Junto AI

Junto AI is a subscription, monthly or yearly. One subscription covers the whole household. On the web it costs $5/mo or $48/yr (the exact price in your own currency, including any VAT that applies, is shown at checkout), and payment is handled by Polar, which is the merchant of record. In the iPhone and iPad app you buy it through the App Store, at the price the App Store shows, and Apple handles the payment.

30 days free to start

Every new household gets Junto AI turned on for its first 30 days — free and with no card. After those 30 days, the AI simply turns off by itself unless you choose to subscribe. You never lose access to the free Junto.

Cancellation and refunds

You can cancel anytime. The subscription runs out the period you've paid for and does not renew. We don't refund mid-period, except where the law requires it. If you subscribed through the App Store, you cancel in your Apple account settings, and refunds follow Apple's rules.

Right of withdrawal

If you're a consumer in the EU, you have a 14-day right of withdrawal when you buy Junto AI.

No financial advice

Junto is a budgeting tool — not financial, legal or tax advice. Decisions about your money are your own.

How to use Junto

Use Junto for your own budget. Don't abuse the AI features, and don't attempt to access other households' data or otherwise break into the service.

Governing law and venue

These terms are governed by the laws of the State of Florida, USA. If you are a consumer in the EU, you always keep the mandatory consumer rights of the country you live in.

Changes

If we change the terms, we update the date at the top of the page and let you know about any significant changes.