Terms of Service

Last updated: August 2026

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

1. Acceptance of Terms

By downloading, installing, accessing, 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 people explore scenarios related to relocating to India.

The App may provide:

• Net-worth and debt calculations using manually entered information and optional connected-account balances
• Financial projections and lifestyle simulations
• Cost-of-living comparisons across Indian cities
• Retirement, savings, and financial-planning calculators
• Optional bank and investment account connectivity through Plaid

3. Not Financial, Tax, Legal, or Investment Advice

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

All calculations, projections, estimates, comparisons, and simulations are illustrative. They may be based on assumptions, incomplete information, third-party data, or future conditions that can change.

You should consult qualified financial, tax, legal, and other professionals before making significant financial, investment, relocation, or lifestyle decisions.

4. Plaid Integration and Connected Financial Accounts

Breather offers optional account linking through Plaid, a third-party financial data provider. This feature is intended to retrieve account balance information for use in Breather's financial-planning features.

By connecting an account through Plaid, you acknowledge and agree that:

• Breather accesses connected-account balance information in read-only mode.
• Breather cannot initiate transactions, move money, or modify your financial accounts.
• Your bank login credentials are entered directly into Plaid's interface and are not transmitted to or stored by Breather.
• Breather stores the financial institution name, a Plaid access token, and the most recently retrieved account balance on its backend infrastructure to support connected-account functionality, balance refreshes, and financial-planning features.
• Breather does not store transaction history, bank login credentials, or account numbers.
• Account linking is optional, and you may use the App with manually entered values.
• Removing or disconnecting an account in the App does not necessarily delete previously stored connected-account information. You may request deletion of eligible server-side information by contacting support@veralevel.app.
• Plaid's use of information is governed by Plaid's applicable terms and privacy policy.

5. Accuracy of Information

While we aim to provide useful and reasonably current information, we do not guarantee the accuracy, completeness, availability, or suitability of:

• Cost-of-living data
• Connected-account balance information
• Financial projections or calculations
• Tax laws, regulations, penalties, or filing obligations
• Currency exchange rates
• Investment performance or market conditions
• Any third-party information or service

You are responsible for independently verifying information before relying on it.

6. Your Responsibilities

You agree to:

• Provide accurate information to the extent you choose to use the App
• Link only financial accounts you are authorized to access
• Use the App for personal, non-commercial purposes
• Keep your device and access to the App secure
• Not copy, modify, reverse engineer, distribute, or create derivative works from the App except where applicable law permits
• Not use the App for unlawful, fraudulent, harmful, or abusive purposes

7. Subscriptions and Payments

Certain features of the App may require a paid subscription.

Payments and subscriptions are processed through Apple's App Store or Google Play, as applicable, and are subject to the terms, policies, and billing rules of the relevant platform.

Breather does not directly process or store your payment-card information. Plaid account connectivity is separate from subscriptions and is not a payment service.

8. Intellectual Property

The App, including its content, features, design elements, branding, and software, is owned by Vera Level Apps Inc. or its licensors and is protected by applicable intellectual-property laws.

Except as expressly permitted by these Terms, you may not reproduce, modify, distribute, sell, lease, sublicense, or create derivative works from the App without our prior written permission.

9. Limitation of Liability

To the maximum extent permitted by applicable law, Vera Level Apps Inc. and its officers, directors, employees, contractors, licensors, and service providers will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including damages arising from:

• Financial, investment, tax, legal, relocation, or lifestyle decisions made using the App
• Reliance on projections, estimates, comparisons, calculations, or connected-account balances
• Inaccurate, delayed, unavailable, or incomplete third-party information
• Loss of data, interruption of service, or errors in the App
• Unauthorized access to your financial accounts or devices

To the maximum extent permitted by law, Breather's total liability for any claim related to the App will not exceed the amount you paid to Breather for the App during the 12 months before the event giving rise to the claim.

10. Disclaimer of Warranties

The App is provided on an "as is" and "as available" basis.

To the maximum extent permitted by law, Breather disclaims all warranties, whether express, implied, statutory, or otherwise, including warranties of merchantability, fitness for a particular purpose, non-infringement, availability, accuracy, and reliability.

We do not warrant that the App will be uninterrupted, secure, error-free, or free from harmful components.

11. Changes to the App or Terms

We may modify, suspend, discontinue, or update the App or these Terms at any time.

If we update these Terms, we will revise the "Last updated" date. Your continued use of the App after revised Terms take effect means you accept them.

12. Termination

You may stop using the App at any time.

We may suspend or terminate access to the App if we reasonably believe you have violated these Terms, used the App unlawfully or abusively, or created risk or potential legal exposure for Breather or others.

Termination or deletion of the App does not automatically delete connected-account information stored on our backend. For deletion requests, contact support@veralevel.app.

13. Governing Law

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable in Ontario, without regard to conflict-of-law principles.

Any dispute arising from these Terms or your use of the App will be subject to the exclusive jurisdiction of the courts located in Ontario, Canada, except where applicable law requires otherwise.

14. Contact Us

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