Terms of use

Eligibility

Atlas is intended for individuals aged 18 and over, for their personal finances. By creating an account, you declare that you are 18 and have the capacity to contract.

Your account

• Sign-in is passwordless: one-time codes or links sent to your email address, or your Google account. Your email inbox is therefore the key to your Atlas account: you are responsible for its security (we recommend enabling two-factor authentication on it).
• You are responsible for activity carried out from your sessions. Report any access you did not authorize without delay (security@atlasfinance.app).
• An account is personal; it cannot be sold or transferred.
• You can delete your account at any time from your profile. Deletion is immediate and irreversible (the precise terms, including temporary security traces, are described in the privacy policy).

Beta status and free access

Atlas is in public beta:

• the Service is offered free of charge during this period;
• features may be added, modified or removed;
• bugs and interruptions, planned or not, may occur — availability is not guaranteed;
• export your data regularly: the full export (JSON, CSV, PDF) is available at any time in your profile, precisely for this.

When Atlas exits beta, paid plans will be offered. Any move to paid will be announced at least 60 days in advance, and a free plan will remain. The terms of paid plans (price, renewal, cancellation) will be handled through an update of these terms, under section 13.

Your data belongs to you

• The data you enter into Atlas remains yours. We claim no ownership over it.
• You grant us only the limited, non-exclusive, revocable licence necessary to run the Service on your behalf: store it, display it, compute your indicators, generate your exports, and — if you have expressly enabled it — feed the copilot. This licence ends with the deletion of your data or your account.
• We do not sell your data and do not share it commercially; the technical providers we rely on are exhaustively listed in the privacy policy.

Atlas is not a financial advisor — and here is exactly what that means

Data accuracy and third-party services

• Totals and indicators are computed from your entries: an inaccurate entry gives an inaccurate result.
• Exchange rates and crypto prices come from third-party providers and are indicative; they may be temporarily unavailable, delayed or inaccurate, and the application tells you when it knows (degraded mode). An uncovered currency is not converted — Atlas prefers not converting over inventing a rate.
• We provide the Service with reasonable diligence (an obligation of means), without guaranteeing the accuracy, completeness or timeliness of computed or third-party information.

Prohibited uses

You agree not to:

• access or attempt to access someone else's account, or probe, bypass or test our security measures without written authorization (good-faith reports welcome at security@atlasfinance.app);
• disrupt the Service (attacks, deliberate overload, mass or automated extraction);
• use the Service for unlawful purposes, including to conceal the origin of funds;
• resell the Service, or substantially copy its content, design or code for commercial purposes;
• use automated accounts without our written consent.

In case of breach, we may suspend or close the account concerned (section 12).

Intellectual property

The Service — code, interfaces, design, texts, trademarks, help-centre content — belongs to us or is used under licence, and remains protected by applicable law. These terms transfer no intellectual property right to you, except the personal, non-exclusive, non-transferable right to use the Service under these terms. Your data remains yours (section 5); the exports you generate are yours.

Limitation of liability

• What we do not limit — nothing in these terms excludes or limits our liability for our intentional or gross fault, for bodily or moral injury, or any liability that cannot be excluded or limited under a law of public order, notably Québec's Consumer Protection Act. If you reside in Québec, you benefit from the legal warranties provided by that Act and by the Civil Code of Québec.
• What we limit, to the extent permitted by law: we are not liable for indirect or unforeseeable damages — notably loss of profits, opportunities or unrealized gains — nor for the consequences of (a) financial decisions you make (section 6), (b) inaccuracy of data you entered, (c) failure of third-party services beyond our control (host, rate providers, AI service, email provider), or (d) force majeure.
• Cap: to the extent permitted by law, our total liability to you is limited to the greater of (i) the amounts you paid us in the 12 months preceding the triggering event, and (ii) CA$100.

Service provided “as is” during the beta

To the extent permitted by law and subject to section 10, the Service is provided “as is” and “as available” during the beta, with no guarantee of uninterrupted or error-free operation. We perform planned maintenance with reasonable notice, and emergency interventions without notice when security requires it.

Suspension and closure

• By you: at any time, by deleting your account (Profile → Data).
• By us: we may suspend or close an account in case of serious breach of these terms (section 8), legal requirement, or risk to the security of the Service or others. Except in emergencies or where legally prohibited, we notify you with the reason, and data deletion follows the privacy policy.
• If the Service itself shuts down, we give you at least 60 days' notice to export your data.

Changes to the terms

We may modify these terms. Any material change is notified to you by email and in the application at least 30 days before it takes effect, clearly indicating what changes. If you refuse it, you can close your account free of charge before it takes effect; continuing to use Atlas after that date constitutes acceptance.

Evidence, assignment, severability, language

• Evidence: the Service's records and logs (including the timestamped record of your acceptance of these terms) are proof of the facts they record, unless proven otherwise.
• Assignment: you may not assign your rights without our consent; we may assign ours as part of a reorganization or business transfer, with the assignee remaining bound by these terms and the privacy policy, and you being informed.
• Severability: if a stipulation is found invalid, it is deemed unwritten to the extent necessary, without affecting the rest.
• Language: the French version of these terms prevails. Les parties ont expressément demandé que cette convention soit rédigée en français ; une traduction anglaise de courtoisie est fournie.

Governing law and recourse

These terms are governed by the laws applicable in Québec. Competent courts are determined by the ordinary rules; if you are a consumer, nothing in these terms limits your right to bring proceedings before the court of your district (including the Small Claims Division) or any other recourse of public order.

Before any recourse, write to us — most disputes resolve in one email: legal@atlasfinance.app.

History: v2.0 (August 2026) — complete rewrite: passwordless authentication, “not advice” clause extended to the copilot and scenarios, liability limitation compliant with the Consumer Protection Act, 18+ eligibility, shutdown notice. v1.0 (June 2026) — initial version.