Terms and Conditions

HandTap is a behavior-change tool. It lets you record the moment you feel an urge to spend and redirect a comparable amount to a savings goal you chose in advance. HandTap is not a bank, and it is not a financial adviser, lender, therapist, or treatment program.

You must be at least 18 years old and able to enter a binding contract. You agree to provide accurate information, keep your credentials secure, and take responsibility for activity in your account. Tell us promptly if you suspect unauthorized access.

To move money, you connect accounts you own through a regulated third-party provider. When you confirm a HandTap, you authorize a transfer of the amount you entered from your funding account to your destination account.

Transfers are processed by our banking partners and may take one or more business days to settle. Your bank's own terms, limits, cut-off times, and any overdraft or insufficient funds fees still apply. You are responsible for keeping enough money available in your funding account.

You can cancel a transfer only before it has been submitted for processing. After that, you may need to move the money back yourself.

Amounts, goals, insights, and any patterns HandTap shows you are informational only. They are not a recommendation to take or avoid any financial action. Results vary from person to person, and using HandTap does not guarantee savings, reduced spending, or any change in behavior. If you are struggling with compulsive spending, gambling, or addiction, please consider speaking with a qualified professional.

Any subscription price, billing period, and trial terms are shown before you purchase. Subscriptions purchased through an app store are billed and renewed by that store, and you manage or cancel them in your store account. We may change pricing with advance notice; the change applies to your next billing period.

Do not use HandTap for unlawful purposes, attempt to access accounts that are not yours, interfere with the service, reverse engineer the app, or scrape or resell any part of it.

The amounts, goals, and notes you record belong to you. You grant us a limited license to store and process them solely to operate the service as described in our Privacy Policy.

We may add, change, or remove features, and the service may occasionally be unavailable for maintenance or reasons outside our control. We will give reasonable notice of significant changes where we can.

The service is provided "as is" and "as available", without warranties of any kind to the fullest extent permitted by law. To the extent permitted by law, HandTap is not liable for indirect, incidental, special, or consequential damages, and our total liability for any claim relating to the service is limited to the amount you paid us in the twelve months before the claim arose. Some jurisdictions do not allow these limits, in which case they apply only as far as the law allows.

You may stop using HandTap and delete your account at any time. We may suspend or close an account that violates these terms or creates risk for other users or our partners. Sections that by their nature should survive termination will do so.

If we update these terms, we will change the date above and notify you before material changes take effect. Continuing to use HandTap after that means you accept the updated terms.

Questions, disputes, or requests can be sent to support@handtap.app.