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Terms of use

Sumant terms of use: your account, the free plan and PRO, web purchases and refunds, the iPhone subscription and the absence of financial advice.

Last updated: 11 November 2026

In short

  • You need to be at least 16 to sign up. You are responsible for your account.
  • Sumant is a personal-finance tool, not financial, tax or investment advice.
  • Sumant does not connect to your bank. You add transactions manually or import CSV/XLSX.
  • Sumant PRO is a monthly or yearly subscription that renews until you cancel it: on the web from your account, and on iPhone from your Apple Account settings.
  • PRO Founder is no longer sold. If you bought it, you keep your permanent licence and nothing renews.
  • On the web, 14-day right of withdrawal under Spanish consumer law, unless you start using the digital service. App Store refunds are handled by Apple.
  • Governed by Spanish law. Your non-waivable consumer rights remain protected.

By creating an account and using Sumant you accept these terms. If you don't agree, don't create an account or use the service.

1. What Sumant is

Sumant is a personal-finance application, on the web and on iPhone, that lets you record income, expenses, accounts and savings goals manually or import movements from CSV/XLSX files, then sync the resulting data across devices.

Sumant does not connect to your bank nor access your bank accounts. All data comes from what you enter or import. The file is processed in your browser and is not uploaded as a file.

Sumant may suggest categories through a self-hosted model that runs on your device and compares the description with your own history. You decide whether to confirm or change it.

"Add from text or a screenshot" reads what you type or paste on your device. A screenshot or a photo is sent to our AI provider to be read and, if smart assistance is enabled and local analysis is not enough, a text may send a limited fragment, in both cases under the terms of the privacy policy. What is proposed is always a suggestion you review before adding it; Sumant does not guarantee the reading is exact.

2. User account

To use Sumant you need to create an account with your email and a password. You are responsible for:

  • Keeping your password confidential.
  • All activity carried out from your account.
  • Notifying us of any unauthorized access at hello@sumant.app.
  • Being at least 16 years old to sign up.

3. Permitted use

You may use Sumant to manage your own personal finances. The following is prohibited:

  • Using the service for illegal or fraudulent purposes.
  • Attempting to access other users' data.
  • Using automated tools to scrape or abuse the service.
  • Reselling, sublicensing or redistributing access to the service.
  • Reverse-engineering the code or the private API.

4. Your data

The financial data you enter is yours. We do not sell it nor use it for commercial or advertising purposes. You can export it from Settings → Data and request account deletion from Settings → Account. The app clears the device and closes the session only after the server confirms deletion. See the privacy policy for details.

5. Free plan and Sumant PRO

Sumant offers a free plan with the essential features and Sumant PRO with advanced features: importing your CSV and XLSX statements without the free plan's import limit, import templates, custom categories, recurring transactions without the free plan's limit, savings goals without the free plan's limit, historical analytics and CSV/XLSX export. The importer's technical per-file caps apply to both plans.

PRO is a monthly or yearly subscription. You can take it out on the web (sections 6 and 7) or in the iPhone app through the App Store (section 8), each with its own terms. Both give your account the same PRO features.

6. Purchases on the web

This section applies only to what you take out on the Sumant website.

  • Payments: processed by Stripe. Sumant never stores your card.
  • Subscription: €3.99 a month or €29.99 a year, tax included. It is charged in advance and renews automatically for the same term until you cancel it.
  • Free trial: the first subscription on each account starts with 7 free days. If you do not cancel before they end, the first period is charged.
  • Cancelling: from Settings → Account → Manage subscription. You keep PRO until the paid period ends and you are not charged again.
  • Price changes: we tell you by email at least 15 days in advance, and you can cancel before the next renewal.
  • What it covers: the PRO features described above and future updates to the Sumant PRO core. Future services that generate ongoing external costs (for example data providers or third-party syncing) may be offered as separate optional add-ons.
  • PRO Founder: the €19.99 single payment is no longer sold. If you bought it, your licence does not expire, does not renew and works on the web and on iPhone, with what the previous point covers.
  • Earlier plans: monthly and yearly subscriptions and the lifetime payment bought before 6 August 2026 keep their terms. Subscriptions keep renewing and can be cancelled from Settings → Account → Manage subscription; you keep PRO until the paid period ends.

7. Refunds and right of withdrawal on the web

Sumant PRO is a digital service. As a consumer in the EU you have the 14-day right of withdrawal set out in Royal Legislative Decree 1/2007. What you subscribe to on iPhone follows section 8.

  • Refund within 14 days: email hello@sumant.app from your account address and we refund the full amount. No reason needed.
  • What happens on refund: PRO access is deactivated. Your data stays yours: the account keeps working on the free plan and you can export everything at any time.
  • Waiving the right: if you expressly ask to start using the PRO features before the 14 days are up and acknowledge that you lose the right of withdrawal, the exception in art. 103.m TRLGDCU applies. All your other consumer rights remain intact.
  • Errors on our side: for duplicate charges or billing issues, email hello@sumant.app and we fix it with no deadline.

8. Subscription on iPhone (App Store)

In the Sumant app for iPhone, Sumant PRO is offered as an auto-renewable App Store subscription. This section applies only to that subscription.

  • Options and price: there is a monthly and a yearly subscription. The price is the one the App Store shows you for your country before you confirm, with any applicable taxes.
  • Free trial: if the App Store offers it to you, the subscription starts with a 7-day free trial. You only get it if your Apple Account meets Apple's requirements, for example not having used it before. If you don't cancel before it ends, the first paid period starts.
  • Payment: payment is charged to your Apple Account when you confirm the purchase or, if you have a trial, when the trial ends.
  • Renewal: the subscription renews automatically for the same period unless you cancel at least 24 hours before the current period ends. The renewal is charged to your Apple Account within the 24 hours before the period ends.
  • Manage or cancel: on your iPhone, in Settings › your name › Subscriptions, or from Settings in Sumant. If you cancel, you keep PRO until the paid period ends.
  • Refunds: handled by Apple under its terms. You can request one at reportaproblem.apple.com. Sumant cannot refund payments made through the App Store.
  • Your Sumant account: the subscription is linked to your Sumant account, so PRO is also active on the web with that account. Cancelling it on iPhone does not delete your data: the account stays on the free plan.

Terms Apple requires

For the app downloaded from the App Store, the following also applies:

  • These terms are an agreement between you and Sumant, not Apple. Sumant, not Apple, is solely responsible for the app and its content.
  • You have a personal, non-transferable licence to use the app on Apple-branded devices you own or control, as allowed by the Usage Rules in the App Store terms.
  • Sumant is solely responsible for maintaining and supporting the app. Apple has no obligation to provide them.
  • If the app fails to meet an applicable warranty, you may notify Apple, and Apple will refund the app's purchase price, if any. To the extent permitted by law, Apple has no other warranty obligation for the app.
  • Apple is not responsible for addressing any claims by you or a third party relating to the app, such as product liability, failure to meet legal requirements or consumer protection claims. Those are Sumant's responsibility.
  • If a third party claims that the app or your use of it infringes their intellectual property rights, Sumant, not Apple, handles the investigation, defence and settlement.
  • You confirm that you are not in a country subject to a US Government embargo and that you are not on any US Government list of prohibited or restricted parties.
  • When using the app you must comply with any applicable third-party terms, such as those of your data carrier.
  • Apple and its subsidiaries are third-party beneficiaries of these terms and, once you accept them, may enforce them against you.
  • Questions, complaints or claims about the app go to Sumant at hello@sumant.app.

9. Service availability

Sumant is in beta. Interruptions, changes or discontinuations may occur without prior notice. We do everything reasonably possible to keep the service available and data intact, but we don't guarantee continuous or uninterrupted availability.

We recommend periodically exporting your information from Settings → Data as a local copy. Technical service copies follow the periods described in the privacy policy.

10. No financial advice

Sumant is a recording and visualization tool. It does not constitute financial, tax, legal or investment advice. Decisions you make based on information shown in the app are your sole responsibility.

11. Limitation of liability

To the extent permitted by applicable law, Sumant will not be liable for indirect damages, data loss, lost profits or any other consequential damages arising from the use of or inability to use the service. Total liability toward you shall not exceed the amount paid for the service during the 12 months prior to the triggering event.

This limitation does not apply to willful misconduct, gross negligence, or non-waivable rights granted to users by Spanish consumer law.

12. Intellectual property

The code, design, brand, logo and contents of Sumant are the property of its creators. You may not copy, reproduce, modify or reuse them without prior written authorization.

The data you enter is yours at all times. You grant us a limited license to process it for the sole purpose of providing the service.

The merchant names and logos Sumant shows next to your transactions belong to their owners. They are used only to identify the merchant, unmodified, and imply no relationship with Sumant.

13. Suspension and cancellation

We may suspend or cancel your account if you breach these terms, use the service fraudulently or put other users at risk. Except in serious cases, we'll notify you by email in advance.

You may request account deletion at any time from Settings → Account. The flow is shown as complete only after a valid server confirmation; periods for technical copies and legal obligations are described in the privacy policy.

14. Modifications

We may update these terms. If the change is material we'll notify you by email (if you have an account) with at least 15 days' notice. If you continue using the service after that period, you'll be deemed to accept the new terms.

15. Applicable law and jurisdiction

These terms are governed by Spanish law. For any dispute, the parties submit to the courts of the owner's domicile in Spain, without prejudice to the rights granted to users by consumer law.

16. Contact

For any inquiry about these terms, write to hello@sumant.app.