Terms of Service
Last updated: July 2026. Outline for review — not legal advice.
As-is disclaimer
Calculators are provided as-is for your own risk. Verify critical results independently.
Plus subscription
Plus is $9.95/year, auto-renewing until canceled via the Creem billing portal. Access continues through the paid period after cancel.
Downgrade
If Plus lapses, workspaces and cards beyond the Free tier are hidden immediately, retained up to 90 days, then deleted.
Refunds
EU/UK consumers may have a 14-day withdrawal right for digital goods; immediate access may require consent to waive where applicable.