Terms of Service

Last updated: May 2026

Please read these Terms of Service ("Terms") carefully before using the Breather mobile application (the "App"), operated by Vera Level Apps Inc. ("we", "our", or "us").

1. Acceptance of Terms

By downloading, installing, or using the App, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the App.

2. Description of Service

Breather is a financial planning and lifestyle simulation tool designed to help NRIs explore scenarios related to relocating to India. The App provides:

• Real-time net worth and debt calculations using live account balances
• Financial projections and 20-year lifestyle simulations
• Cost-of-living comparisons across Indian cities
• Retirement and savings calculators
• Optional bank and investment account connectivity via Plaid

3. Not Financial Advice

Important: Breather is provided for informational and educational purposes only. The App does not provide financial, tax, legal, or investment advice.

All projections, estimates, and calculations are illustrative in nature and should not be relied upon as a basis for financial or relocation decisions. You should consult qualified financial, tax, and legal professionals before making any significant decisions.

4. Plaid Integration and Financial Account Connectivity

Breather offers optional account linking via Plaid, a regulated third-party financial data provider, to retrieve live account balances for net worth and debt calculations.

By connecting your accounts through Plaid, you acknowledge and agree that:

• Breather accesses your account balances in read-only mode — we cannot initiate transactions, move funds, or modify your accounts in any way
• Your bank login credentials are entered directly into Plaid's secure interface and are never transmitted to or stored by Breather
• A Plaid access token is stored securely on our servers solely to enable balance refresh
• You may disconnect any linked account at any time within the App, which immediately revokes our access
• Account linking is entirely optional — you may use all planning features with manually entered values
• Plaid's use of your data is governed by Plaid's End User Privacy Policy

5. Accuracy of Information

While we strive to provide accurate and up-to-date information, we make no guarantees regarding:

• The accuracy or completeness of cost-of-living data
• Account balance data retrieved via Plaid
• Future economic conditions or market performance
• Tax laws, regulations, or penalties
• Currency exchange rates

Information may become outdated over time. You are responsible for verifying any information independently.

6. User Responsibilities

You agree to:

• Provide accurate inputs to the extent you choose to use the App
• Only link financial accounts that you are authorized to access
• Use the App for personal, non-commercial purposes only
• Not copy, modify, reverse engineer, or distribute the App
• Not use the App for any unlawful or abusive purpose

7. Subscriptions and Payments

Certain features of the App may require a paid subscription. All payments and subscriptions are processed through Apple's App Store or Google Play and are subject to their respective terms and conditions.

We do not process payments directly and do not store payment information. Plaid account connectivity is a separate feature and is not a payment service.

8. Intellectual Property

All content, features, design elements, and code within the App are owned by Vera Level Apps Inc. and are protected by applicable intellectual property laws.

You may not reproduce, modify, distribute, or create derivative works from the App without our prior written consent.

9. Limitation of Liability

To the maximum extent permitted by law, Vera Level Apps Inc. shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Financial or lifestyle decisions made based on App content
• Losses resulting from reliance on projections, estimates, or live balance data
• Inaccuracies in balance data retrieved via Plaid
• Loss of data or interruption of service
• Unauthorized access to your financial accounts

10. Disclaimer of Warranties

The App is provided on an "as is" and "as available" basis without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement.

11. Changes to Terms

We may update these Terms from time to time. Continued use of the App after changes are posted constitutes acceptance of the revised Terms.

12. Termination

We reserve the right to suspend or terminate access to the App if you violate these Terms or use the App in a manner that is unlawful or harmful. You may stop using the App at any time by uninstalling it. Uninstalling the App does not automatically revoke Plaid access — please disconnect accounts within the App first.

13. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles.

14. Contact Us

If you have any questions about these Terms, please contact us at: