What we commit to, and what we will not do.
One page, written to be read. Every commitment here matches something the product actually does — not a clause for the look of it.
What Yoseri is.
A tool for reading and organising your personal finances. It gathers your accounts, your budget, your debts and your investments into a single statement, and it calculates on your own data.
Read-only
No movement of moneyYoseri makes no transfer, no payment, no purchase, no sale. The authorisation requested from your bank is read-only: the other operations are not technically possible.
No advice
Neither adviser nor brokerYoseri is not registered as an adviser or a broker with any market authority — in Quebec, with the Autorité des marchés financiers. It recommends no transaction and is paid by no financial institution.
Your decisions
The arithmetic is yoursFindings are calculations on your own figures, with their method on show. The decisions are yours, and so are their consequences.
Your account.
- Be 18, or the age of majority where you liveYoseri handles bank accounts: it is not meant for minors.
- Accurate informationAn income or a balance typed in wrong produces a wrong plan. Yoseri calculates on what you give it.
- Keep your access to yourselfOne account, one person. You answer for what is done from yours.
- Personal useYoseri is not built to keep the books of a business or of a third party.
- Connecting an account that is not yoursWithout the consent of the person concerned, that is unauthorised access.
- Reselling or redistributing the serviceIncluding giving access to your account for payment.
- Extracting the service by automated meansScraping the pages or the API to rebuild the product elsewhere.
- Trying to get around the technical limitsIncluding refresh quotas and access controls.
Plans, prices and cancellation.
The prices shown on the Pricing page are the exact prices, plus taxes, itemised on the receipt.
The free plan
Statement, free for lifeManual entry gives the same budget, the same calendar and the same debt plan. No card is asked for, and none ever will be.
The paid plans
Monthly, no commitmentYoseri at $8.99 and Yoseri+ at $17.99 a month. No minimum term: each month renews until you stop it.
Leaving
Cancellation in two tapsFrom the app, with no email to write and nobody to convince. It takes effect at the end of the period already paid for — the month under way is not refunded pro rata.
If a price changes, we write before, not after, and the new price applies only to the following periods. A beta discount stays yours under the terms announced on the page that offered it.
Your data stays yours.
You grant Yoseri the rights strictly needed to display, calculate and save what you entrust to it. Nothing more, and nothing that outlives your departure.
What we may do
Display and calculateRead your accounts read-only, sort your transactions, produce your findings and show them to you. That is the very purpose of the service.
What we may not do
Sell, share, trainYour data is not sold on, not shared for advertising purposes, and not used to train a model. The detail is on the Privacy page.
When you leave
Export, then erasureYou can export all of your data. Revoking banking access is immediate; erasure is carried out within 30 days.
What we do not guarantee.
Saying what a tool cannot do is worth as much as saying what it does.
A bank can cut off its access, a provider can go down. Yoseri then shows the date of the last successful sync rather than showing a stale figure without saying so.
Balances and transactions come from your institutions. If an institution sends wrong or late data, Yoseri receives it as it is.
A projection is a calculation under stated assumptions, not a forecast. An investment’s past does not commit its future.
The exports prepare totals. They replace neither an accountant, nor a tax specialist, nor your own responsibility before the authorities.
So far as the applicable law allows, Yoseri’s liability is limited to the amounts you have paid it over the preceding twelve months. Certain legal protections cannot be set aside — among them those of Quebec’s Consumer Protection Act — and nothing here seeks to do so.
If one of us ends the service.
On your side
Whenever you want, no reason neededTwo taps in the app. Your banking access is revoked immediately, your export stays available, and erasure follows within 30 days.
On our side
With notice, except in case of abuseWe may suspend an account without notice in case of fraudulent use or an attack on the security of the service. In every other case — including shutting the service down — we give notice in advance and leave time to export.
Governing law and changes.
These terms are governed by the law in force in Quebec, and the courts of the judicial district of Montreal have jurisdiction — without depriving a consumer of the right to bring proceedings before the court of their own domicile.
If a clause is held invalid, the others stand. A substantive change is announced before it takes effect, with the date, and using the service after that date counts as acceptance.
These terms take effect when the service opens. Any question: support@yoseri.com.
Who you are contracting with.
Yoseri is operated by 9565-3283 Québec inc., a business corporation incorporated in Quebec on 15 April 2026, Quebec enterprise number (NEQ) 1182042425. Its head office is at 6930 Wiseman Avenue, Apt. 2, Montréal, Quebec H3N 2N2, Canada.
Yoseri is the name of the service; the company above is the party bound by these terms. Written by email: support@yoseri.com.