Terms of service.
The short version: we respect you and your data.
Effective date: April 1, 2026
What this covers
These terms govern your use of the Fathom mobile application, web application, and any associated cloud services operated by Fathom ("we", "us", "our"). By downloading, installing, or using Fathom, you agree to be bound by these terms. If you do not agree, do not use the app.
Eligibility
You must be at least 13 years old to use Fathom (16 in Quebec). By using the app, you represent that you meet this age requirement. If you are between 13 and 18, you represent that your parent or legal guardian has reviewed and agrees to these terms.
The app
Fathom operates entirely on your device with no account required. We provide it as-is, with no warranty of any kind. We may update the app, but your local data remains yours. We have no access to your financial data.
Fathom Harbour
Fathom Harbour is an optional paid tier providing cloud sync, encrypted backup, household sharing, and Open Banking. Harbour is billed in Canadian dollars through Apple (App Store) or Google (Play Store). You can cancel anytime — your local data stays yours, and cloud data is retained for 30 days to allow export. All Harbour services use end-to-end encryption — we store only ciphertext that we cannot decrypt. Household sharing uses a shared encryption key distributed to all members; when a member is removed, the key is rotated to revoke their access.
Your data
You own your financial data. We never sell, share, or monetize it. You may export your data at any time in CSV or JSON format via the app. Harbour cloud services use end-to-end encryption — we store only ciphertext that we cannot decrypt.
Product recognition contributions
If you opt in via Settings, Fathom may share anonymized product name mappings (receipt abbreviations paired with resolved product names and merchant names) with our servers. This data contains no financial information (no prices, dates, quantities, or account details) and cannot identify you. Contributions are used for two purposes: (1) improving a shared product catalog that helps all Anglers recognize receipt items, and (2) training a specialized AI model for receipt text recognition. You may withdraw consent at any time by toggling the setting off. New contributions will stop immediately. Data already incorporated into a trained AI model cannot be individually removed — this is a fundamental property of machine learning and is disclosed before you opt in. If we materially change the scope of what is collected or how contributions are used, we will require you to re-consent before contributions resume.
Acceptable use
You agree not to: reverse engineer, decompile, or disassemble the app; use the app to process data for third parties on a commercial basis; attempt to circumvent the app's security or encryption; use automated tools to access the app's cloud services beyond normal usage; or misrepresent your identity when connecting email or financial accounts.
Intellectual property
The Fathom app, its design, code, and documentation are owned by us and protected by copyright and trademark law. Your financial data belongs to you — we claim no ownership or licence over it. Category templates you publish via the app's sharing features are published under your chosen identity and remain yours.
Limitation of liability
Fathom is a personal finance tool, not a financial advisor, tax preparer, or accounting service. We are not liable for financial decisions made based on information displayed in the app, including categorization suggestions, spending insights, AI-generated analysis, or CRA category mappings. Always consult a qualified professional for tax, legal, and financial advice. TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ANY CLAIM ARISING FROM YOUR USE OF FATHOM IS LIMITED TO THE AMOUNT YOU PAID US IN THE 12 MONTHS PRECEDING THE CLAIM, OR $50 CAD, WHICHEVER IS GREATER.
Warranty disclaimer
FATHOM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT FINANCIAL DATA WILL BE ACCURATE. OCR, AI PARSING, AND AUTOMATED CATEGORIZATION ARE BEST-EFFORT — ALWAYS VERIFY IMPORTANT FIGURES AGAINST YOUR ORIGINAL DOCUMENTS.
Indemnification
You agree to indemnify and hold us harmless from claims, damages, or expenses arising from your use of the app, your violation of these terms, or your violation of any third party's rights.
Termination
You may stop using Fathom at any time by deleting the app. Your local data remains on your device. If you subscribe to Harbour, we may suspend access for terms violations with reasonable notice. Cloud data is retained for 30 days after cancellation to allow export before permanent deletion.
Governing law & disputes
These terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein. Any dispute arising from these terms or your use of Fathom shall be resolved in the courts of Ontario, Canada. Before initiating legal proceedings, both parties agree to attempt resolution through good-faith negotiation for at least 30 days.
Changes to these terms
We may update these terms. Material changes will be communicated through the app at least 30 days before they take effect. Continued use after the effective date constitutes acceptance.
Severability
If any provision of these terms is found to be unenforceable, the remaining provisions continue in full force and effect.
Contact
Questions about these terms? Reach us at hello@getfathom.ca.