Shillak Terms of Use (EULA)

Last Updated: May 14, 2026

1. Acceptance of Terms

By installing or using Shillak ("the App"), you agree to be bound by this End User License Agreement ("EULA"). If you do not agree, do not install or use the App.

2. License

Shillak grants you a limited, non-exclusive, non-transferable, revocable license to use the App on any Apple-branded device that you own or control, subject to the Apple Media Services Terms and Conditions and these Terms of Use.

3. Subscriptions

3.1 Available Subscriptions

• Shillak Premium (Monthly) — billed monthly at the price shown in the App and App Store. Auto-renews each month until cancelled.
• Shillak Premium (Annual) — billed yearly at the price shown in the App and App Store. Auto-renews each year until cancelled.

Current prices are shown on the in-app paywall before you purchase. Prices are set in your local currency by Apple and may vary by region.

3.2 Premium Features

• AI-powered cash flow predictions
• Browse past months of spending history
• Transaction details by category
• Quick transfer requests between accounts
• Unlimited bank accounts
• Household sharing with up to 4 family members

3.3 Auto-Renewal

• Payment is charged to your Apple ID account at confirmation of purchase.
• Your subscription automatically renews unless auto-renew is turned off at least 24 hours before the end of the current period.
• Your account will be charged for renewal within 24 hours prior to the end of the current period, at the cost of the chosen package.
• You can manage and cancel your subscription by going to your Apple ID account settings on your device after purchase.

3.4 Cancellation

You can cancel at any time by opening the App's Settings → Subscription → Manage Subscription, or by going to Settings → [Your Name] → Subscriptions on your Apple device. Cancellation takes effect at the end of the current billing period. No refunds are provided for partial subscription periods, except as required by law.

3.5 Price Changes

Apple will notify you of any price increase. You must agree to the new price before your subscription renews at the new rate; otherwise your subscription will not renew.

4. Account & Security

You are responsible for maintaining the confidentiality of your authentication credentials and for all activities that occur under your account. Phone-based authentication is handled by Firebase.

5. Bank Data via Plaid

Shillak uses Plaid to link your bank accounts. By linking an account, you authorize Plaid and Shillak to access your account information as described in our Privacy Policy. Your bank login credentials are handled entirely by Plaid and are never stored by Shillak.

6. Acceptable Use

• You must be at least 13 years old to use the App.
• You agree not to misuse the App, attempt to reverse engineer it, or use it for any unlawful purpose.
• You agree not to link bank accounts that you do not own or have authorization to use.

7. Household Sharing

When you join a household, linked account balances and transfer requests are visible to all members of that household. You are responsible for who you invite. Household owners may remove members at any time.

8. Disclaimers

The App is provided "AS IS" and "AS AVAILABLE" without warranties of any kind. Shillak is a personal finance tool and does not provide financial, tax, or legal advice. Balances shown are based on data provided by Plaid and may not always reflect real-time bank state.

9. Limitation of Liability

To the maximum extent permitted by law, Shillak and its operator shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the App.

10. Termination

We may suspend or terminate your access to the App at any time for violation of these terms. You may stop using the App and delete your account at any time from Settings → Delete Account.

11. Changes to These Terms

We may update these terms from time to time. Continued use of the App after changes constitutes acceptance of the updated terms.

12. Apple's Role

These terms are between you and the operator of Shillak, not Apple. Apple is not responsible for the App or its content. In the event of any failure of the App to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price (if any) for the App to you; to the maximum extent permitted by law, Apple will have no other warranty obligation whatsoever with respect to the App. Apple and its subsidiaries are third-party beneficiaries of these terms and, upon your acceptance, will have the right to enforce them against you.

13. Governing Law

These terms are governed by the laws of the State of California, United States, without regard to its conflict of law provisions.