Bank of Todays
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Terms of Use

Last updated: November 10, 2026

By downloading or using Bank of Todays ("the App"), you agree to these Terms of Use. If you do not agree, please do not use the App.

1. Using the App

Bank of Todays is a personal reflection app. You may use it for your own private, non-commercial reflection. You must be at least 13 years old to use the App. You agree not to misuse the App, attempt to reverse-engineer it, or use it in any way that violates applicable laws.

2. Your Content

Everything you write in Bank of Todays belongs to you. We claim no ownership over your deposits, photos, or any other content you create. You are responsible for the content you store in the App. You give us permission to store and process your content only as needed to run the App's features for you, such as syncing your days and, if you ask for it, creating an AI Insight.

3. Deleting Your Content

When you delete a day, it moves to Recently deleted, where you can restore it for 30 days. After 30 days it is permanently removed from your device and from our servers, and we cannot bring it back.

If you delete your account, your synced content is removed from our servers. Content that exists only on your own device stays there until you delete it or remove the App.

4. Pro Subscription

Bank of Todays offers an optional Pro subscription that unlocks cloud sync, Statements, AI Insights, Life Calendar, Health Context, and Photo Places.

  • Subscriptions are offered on a monthly or annual basis. The price and length of each plan are shown in the App Store before you buy.
  • Payment is charged to your Apple ID at confirmation of purchase.
  • Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current period.
  • You can manage or cancel your subscription from Profile → Plan Details → Manage Subscription in the app, or from your iPhone Settings → Apple ID → Subscriptions.
  • We do not offer refunds for partial subscription periods, except where required by law.
  • If you cancel or your subscription lapses, deposits and deposit photos already synced to our servers are automatically deleted 30 days after your Pro access ends, unless you resubscribe before then. This does not affect your account, profile, or any data on your own device — only synced deposit content.

5. AI Insights

AI Insights is an optional Pro feature. It runs only when you ask for it, and the first time you do, the App asks for your agreement.

  • When you ask for an insight, the text of the reflections from that week or month is sent to a third-party AI service to write it. Your name, account details, and photos are not included. More detail is in our Privacy Policy.
  • Insights are written automatically and can be wrong or miss the point. They are meant as a prompt for your own reflection, not as medical, psychological, financial, or any other professional advice.
  • You decide whether to use the feature. Not using it does not limit the rest of the App.

6. Basic Tier

The Basic (free) tier allows unlimited deposits stored locally on your device. Basic users' data is never deleted when they remain on the Basic tier.

7. Availability

We aim to keep Bank of Todays available and reliable, but we cannot guarantee uninterrupted service. We reserve the right to modify, suspend, or discontinue any part of the App at any time. We may also suspend or close an account that misuses the App, breaks these Terms, or breaks the law. You can stop using the App and delete your account at any time from Profile → Delete account.

8. Limitation of Liability

Bank of Todays is provided "as is." To the maximum extent permitted by law, Dreamstinct is not liable for any loss of data, indirect, incidental, or consequential damages arising from your use of the App. Always maintain your own backups of important personal data.

Nothing in these Terms limits any liability that cannot be limited under applicable law, or any rights you have as a consumer that cannot be waived.

9. Apple

These Terms are between you and Dreamstinct LLC, not Apple. Apple is not responsible for the App or its content, maintenance, support, or warranty. If the App does not meet a warranty that applies to it, you may tell Apple and Apple will refund the purchase price of the App, if any; beyond that, Apple has no warranty obligation for the App. Apple's Standard End User License Agreement also applies to your use of the App, and Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

10. Governing Law

These Terms are governed by the laws of the State of New York, without regard to its conflict-of-law rules. Any dispute about these Terms or the App will be brought in the state or federal courts located in New York, and you and Dreamstinct agree to those courts. If you are a consumer, this does not take away mandatory consumer protections of the place where you live.

11. Changes to These Terms

We may update these Terms from time to time. Continued use of the App after changes constitutes acceptance of the new terms. The "Last updated" date reflects the most recent revision.

12. Contact

Questions about these Terms? Contact us at support@dreamstinct.com.