Terms of service

1. Who this agreement is with

These terms are an agreement between you and SetForth LLC, which runs LongSpan. In these terms, “LongSpan” means SetForth LLC and the LongSpan service, on the web and in the iPhone and Android apps.

By creating an account, or by using LongSpan as someone a household invited, you agree to these terms and to the privacy policy. If you do not agree, do not use LongSpan.

You must be at least 18 and live in the United States, and the information you give LongSpan about yourself must be true.

2. What LongSpan is, and is not

LongSpan is software for planning your own household’s finances. It carries your accounts and the figures you give it forward one year at a time, and works out projections from the assumptions in your plan: inflation, growth, returns, taxes, ages and the events you add.

The assumptions in your plan are yours to decide, including the ones LongSpan fills in. To get you started, LongSpan sets some itself: economy-wide rates such as inflation, market and cash returns and wage growth, the rate each new account, property or income starts at, and conventional figures such as the cost of selling a home or a suggested rent. These are general starting points, not a forecast of what will happen and not a recommendation for your situation. Real returns, inflation and growth change from year to year and can differ from them for long periods. Review each assumption and change it to the value you believe fits your plan.

LongSpan does not give financial, investment, tax, legal or retirement advice. It is not a registered investment adviser, broker, tax preparer or fiduciary, and it does not recommend any security, fund, allocation or course of action. Nothing it shows you is a recommendation to buy, sell, convert, withdraw, retire or do anything else.

A projection is an estimate, not a promise. Markets, inflation, tax law, your health and your income will not follow the assumptions, and actual results will differ, sometimes by a great deal. Tax figures are approximations of current federal and state rules, which change.

You are solely responsible for the decisions you make, including those you make after using LongSpan. Before an important financial decision, talk to a qualified professional who knows your situation.

3. Your information and how accurate it is

If you link an account, LongSpan reads its balances, and for investments and loans their holdings and terms, through Plaid. LongSpan only reads: it never moves money, makes a payment or places a trade. Linking an account also means agreeing to Plaid’s end-user privacy policy.

Figures that come from your bank, from Plaid, from YNAB or from any other service can be late, incomplete or wrong, and those services can stop working. LongSpan is not responsible for their errors or outages. You are responsible for the figures you enter yourself, and for checking the ones that matter to a decision.

4. Your household

A household has one owner, who created it. The owner decides who else may see or change the plan, at which level, and may remove anyone at any time. Everyone the owner invites sees what their level allows, and may leave at any time.

If the members of a household separate or disagree, the household and its data stay with the owner’s account. LongSpan does not decide disputes between the people in a household.

Keep your sign-in to yourself. You are responsible for what happens under your account, and the owner is responsible for the access they give others.

5. Assistants you connect

You may connect an AI assistant, such as Claude or ChatGPT, to your plan. You choose which assistant and how much it may do, and that assistant’s own terms and privacy policy govern it.

LongSpan does not control or endorse what an assistant says. Its suggestions are not LongSpan’s advice, and the same limits as in section 2 apply to them. A change an assistant makes with the access you gave it is made on your authority; you can review it, undo it or revoke the assistant in Settings.

6. Free trial and subscription

The owner of a new household can start a free trial of 14 days: in the iPhone app through the App Store, in the Android app through Google Play, or on the web. Starting it needs a payment method, which is your App Store or Google Play account, or a card on the web. Nothing is charged during the trial. Someone the owner invites to the household is never charged.

After the trial, LongSpan costs $4.99 a month or $49.99 a year for the household, its partner included, plus any sales tax that applies. You choose the plan when you start the trial.

Unless you cancel before the free trial ends, it becomes a paid subscription when it ends, and you are charged for the plan you chose. Your subscription then renews automatically at the end of each month or year, and you are charged again each time, at the price then in effect, until you cancel it. The App Store needs a cancellation at least 24 hours before the trial ends.

LongSpan emails the owner a reminder 2 days before a free trial becomes a paid subscription, saying when the first charge is, how much it is and how to cancel. For a trial started on the web, Link also emails you before it ends. Not receiving a reminder does not change when the trial ends.

Who charges you depends on where you started the trial or subscribed. In the iPhone app, Apple charges you through the App Store; in the Android app, Google charges you through Google Play; on the web, Link, Stripe’s payment service, sells you the subscription as its reseller and charges you. Their terms apply to the payment as well as these.

You can cancel at any time, during the trial or after it: in your App Store or Google Play subscription settings for a trial or subscription started there, or, for one started on the web, on the Billing page in LongSpan (Settings, Billing) or at app.link.com. Cancelling during the trial means nothing is charged, and you keep access until the trial ends. Cancelling a paid subscription stops the next renewal; you keep access until the end of the period you already paid for.

A free trial is offered once. If you or your household had a free trial or a subscription before, through any store, a new subscription has no trial and is charged when you start it.

Payments are not refunded for a partial month or year, except where the law requires it. Apple and Google decide refunds for purchases made through them. For a purchase on the web, write to hello@longspan.app and LongSpan will consider it.

LongSpan may change its prices. A new price applies only from your next renewal, and you will be told before it does, with time to cancel.

7. When a subscription ends

If a free trial ends without becoming a paid subscription, or your subscription ends and is not renewed, your household’s plan becomes read-only. You can still sign in and see everything in it. You cannot change it, LongSpan stops refreshing your accounts and budgets, and assistants you connected are refused until you subscribe again; they stay connected.

The same applies to a new household until its owner starts a free trial or a subscription.

Your linked banks are disconnected at once if a free trial ended without becoming a paid subscription, or 7 days after a paid subscription ended. Your accounts and every balance they had stay in your plan; you link them again after you subscribe.

8. Your data

Your plan and everything you put in it are yours. You give LongSpan permission to store and use them only to run the service for you, as the privacy policy describes. LongSpan never sells your data, never uses it for advertising and never uses it to train AI.

The owner can delete the household at any time in Settings, which deletes its data for good. Deleting your account does not cancel a subscription bought through the App Store or Google Play; cancel that there.

LongSpan may delete a household whose subscription has been ended, and whose members have not signed in, for 2 years. It emails the owner at least 30 days before doing so.

9. Using LongSpan for other people

LongSpan is licensed for planning your own household’s finances. Using it to provide services to anyone else, such as clients, needs a separate written agreement with SetForth LLC.

If you use LongSpan in work you do for others, you are responsible for your own advice to them and for meeting your own professional and regulatory obligations. LongSpan is a tool you use, not a party to that advice.

10. Using LongSpan fairly

Do not try to reach another household’s data, interfere with or overload LongSpan, scrape it, copy or reverse-engineer its software, resell access to it, get around its limits or billing, or use it for anything unlawful. LongSpan may suspend or close an account that does.

11. Changes to LongSpan and to these terms

LongSpan changes as it improves, and features may be added, changed or removed. It aims to be available all the time but does not promise to be.

LongSpan may update these terms. For a material change you will be told, by email or in LongSpan, before it takes effect. Using LongSpan after that means you accept the updated terms; if you do not, cancel and stop using it.

12. Disclaimers and the limit on LongSpan’s liability

LongSpan is provided as it is and as available. To the extent the law allows, SetForth LLC disclaims every warranty not stated in these terms, including warranties of merchantability, fitness for a particular purpose, accuracy and non-infringement.

To the extent the law allows, SetForth LLC is not liable for any indirect, incidental, special, consequential or punitive damages, or for any lost profits, savings, investment returns or tax, including losses from decisions you make using LongSpan, even if it was told they were possible.

SetForth LLC’s total liability for any claim about LongSpan is limited to what you paid for LongSpan in the 12 months before the claim arose. Some states do not allow some of these limits, and in those states they apply only as far as the law allows.

If you got LongSpan from the App Store, Apple’s standard license agreement for apps also applies. Apple and Google are not parties to these terms and are not responsible for LongSpan.

13. Settling a dispute

Talk to LongSpan first. Before starting a formal claim, write to hello@longspan.app with your name, your account’s email address and what you want. Both sides will try in good faith to settle it within 60 days.

If it is not settled, you and SetForth LLC agree to resolve any dispute about LongSpan or these terms by binding individual arbitration, not in court, except that either side may bring a claim in small claims court, and either side may go to court about the misuse of its intellectual property. The American Arbitration Association runs the arbitration under its Consumer Arbitration Rules. It takes place in the county where you live, or by video or in writing if you prefer. Beyond the filing fee you would pay to start a case in court, SetForth LLC pays the arbitration fees.

No class actions. You and SetForth LLC may each bring claims only individually, never as a plaintiff or member of a class, collective or representative action, and an arbitrator may not combine claims of different people. If this paragraph is found unenforceable for a claim, that claim goes to court and this whole section does not apply to it.

If 25 or more similar claims are filed by or with the help of the same lawyers, they are decided in batches of up to 25, one batch at a time, each by one arbitrator, while the rest wait.

You can opt out. To keep your right to go to court, email hello@longspan.app within 30 days of first agreeing to these terms, saying you opt out of arbitration, with your name and your account’s email address. Opting out changes nothing else in these terms.

These terms are governed by the laws of the State of Texas and, for this section, by the Federal Arbitration Act. A claim that goes to court is heard in the state or federal courts in Travis County, Texas, unless the law where you live gives you the right to bring it there.

14. Everything else

These terms and the privacy policy are the whole agreement between you and SetForth LLC about LongSpan. If a part of them cannot be enforced, the rest still applies. Not enforcing a part is not giving it up. You may not transfer these terms; SetForth LLC may transfer them to whoever takes over LongSpan.

Questions about these terms: hello@longspan.app.