Terms of Service

1. Who you are agreeing with

These Terms are a contract between you and Kiegan Scott, an individual carrying on business in Alberta as Baray ("Baray," "we," "us"). Baray is a personal dashboard for net worth, budgeting, passive income, training, and meal planning, available at baray.ca.

By creating an account you agree to these Terms and to our Privacy Policy, which is part of this agreement. If you do not agree, do not create an account.

Contact: hello@baray.ca

2. Who can use Baray

You may use Baray only if all of the following are true:

You are 18 years of age or older.
You are a resident of Canada, in a province or territory other than Quebec.
You are creating an account for yourself, for your own personal, non-commercial use.
You have not previously been removed from Baray for breaking these Terms.

You confirm each of these when you sign up. If any of them stops being true, you must stop using the service. If we learn that an account was opened by someone under 18 or by a Quebec resident, we may close it and delete its data.

Households. Many people track a household — a couple's combined net worth, a shared budget, one set of meals — and Baray is built for that. Rather than sharing a password, the person who created the account can invite one partner, who signs in with their own email and password and works in the parts of the account that were shared with them. This is how it works:

The person who created the account and sent the invitation is the account holder. Only the account holder can invite a partner, cancel an invitation, remove the partner, delete the account, and — once paid subscriptions exist — manage the subscription.
When inviting, the account holder chooses what to share: finance (net worth, budget, passive income, loans, retirement inputs) and/or meal planning, or both. Training, races, your shift rotation, calendar, connected services, and any settings that are not part of a shared area are never shared and stay private to each account.
A partner can view, add, change, and export everything in the shared areas. Each of you is responsible for what you do there.
Everything in a shared area belongs to the account holder's account, whoever entered it. If the partner leaves or is removed, they lose access; nothing they entered moves with them, and nothing is deleted. Export first if you want a copy.
An invitation is sent to a specific email address and can be accepted only by an account signed in with that address. The partner must meet the eligibility rules above and accepts these Terms for themselves when they create their own account.
One partner per account, and an account can belong to only one household at a time.

Do not share your password. Household sharing exists so you don't have to. If you share it anyway, you are responsible for everything done through your account by anyone you gave it to. Do not use one account or one household to run dashboards for people who are not part of your household.

3. The plain-language rule about advice

This is the most important section in these Terms, so it comes first.

Baray is a calculator, not an advisor. Everything it shows you — net worth trends, projections, retirement figures, the 4% rule table, payoff dates, work-optional coverage, budget totals, cash-flow figures, training metrics and generated training plans, meal plans, macro targets — is arithmetic applied to numbers you entered and assumptions you chose or accepted.

Baray does not provide financial, investment, tax, legal, accounting, medical, health, nutrition, or dietary advice.
Nothing Baray produces is a recommendation to buy, sell, hold, pay, contribute, withdraw, eat, train, or do anything else.
Baray is not a registered investment adviser, dealer, financial planner, mortgage broker, dietitian, coach, or health professional, and does not hold itself out as any of these.
Projections are not predictions. They are the mathematical consequence of the assumptions in front of you. Change the assumption, change the result. Markets, interest rates, your income, your health, and your life will not follow a straight line.
The 4% rule and similar figures are widely used rules of thumb, shown for orientation. They are not a promise that any withdrawal rate is safe for you.
Nutrition and training outputs are general information, computed from your inputs and public data sources such as the Canadian Nutrient File and published training-science literature. A generated training plan is a schedule built from the distances, times, and availability you entered; it does not know your medical history, injuries, or how you feel today. Training outputs are not tailored to any medical condition, allergy, medication, pregnancy, eating disorder, injury, or other circumstance. Talk to a physician or registered dietitian before changing your diet or training in a way that could affect your health.

You are responsible for your own decisions. If you want advice, get it from a qualified, licensed professional who knows your full situation. Baray is a tool to help you see your own numbers more clearly — that is all it claims to be.

4. Your account and its security

Keep your password secret. If someone in your household should have access, invite them (Section 2) instead of sharing your login. You are responsible for everything done through your account, including by anyone you share your password with.
Use a strong, unique password. Baray requires at least 10 characters.
Tell us at hello@baray.ca right away if you think your account has been accessed without permission.
Baray does not currently offer user-facing two-factor authentication.
We may suspend an account that shows signs of compromise, to protect you.

5. Your data, and what you let us do with it

You own your data. Every number you type, every file you import, every workout that syncs — it is yours. Baray claims no ownership of it.

Shared areas belong to the account holder's account. If you are in a household, the data in a shared area is part of the account holder's account no matter which of you entered it. The account holder can export or delete all of it, including what a partner entered. A partner can export it while they are a member.

You give us the permission we need to run the service. To store your data, calculate with it, display it back to you, back it up, and export it for you, we need a licence to do those things. You grant it, for the life of your account, and only for those purposes. That licence ends when the data is deleted, subject to backup rotation as described in the Privacy Policy.

You are responsible for what you bring in — and for whom you let in. When you import a bank statement, connect a calendar, or enter household members in meal planning, you confirm you have the right to bring that information into your account — including any information about other people it contains, such as a partner's transactions or a colleague's name in a meeting title. When you invite a partner, you are choosing to show them everything in the areas you share, including what was there before the invitation.

Accuracy is on you, and so is the consequence of inaccuracy. Baray does what its math says with the numbers it is given. If a balance is wrong, a date is off, or a category is misapplied, every downstream chart and projection inherits the error. Check your inputs.

6. Third-party services you connect

Baray lets you bring in your own data from Hevy, Garmin, Monarch Money, and Google or Microsoft calendars. Some things you should understand:

They are your services, not ours. Your relationship with each of them is governed by their terms and privacy policies. We are not responsible for their availability, accuracy, changes to their APIs or export formats, or what they do with your data.
Hevy requires a Hevy Pro subscription to obtain an API key. That is Hevy's rule, not ours.
Credentials you give us are used only as described in the Privacy Policy and are erased when you disconnect. Anyone holding a secret calendar feed URL can read that calendar — treat it like a password.
If a third party changes or withdraws its API or export format, the corresponding Baray feature may stop working, and that is not a breach of these Terms.
Shared links are your responsibility. If you turn on a training-calendar feed or share a plan link, anyone who has the link can see what it exposes. Revoke it from Settings if you no longer want that.

7. Early access — no charges today

Baray is currently free to use. There is no card to enter, nothing is charged, and there is no trial clock running. When we introduce paid subscriptions, we will email you first, publish the price and billing terms in this section, and ask you to accept the updated Terms before anything is charged. Until then, nothing in these Terms obliges you to pay anything.

8. Acceptable use

Do not:

Use Baray for anything unlawful, or to store data you have no right to hold.
Try to access another person's account or data, or probe, scan, or test the security of the service.
Reverse engineer, decompile, scrape, or copy the service or its non-public parts, or use automated tools to pull data out of it other than the export features we provide.
Upload anything intended to interfere with the service — malware, deliberately malformed files, or abusive request volume.
Resell, sublicense, or offer Baray as part of another service.
Use Baray to provide financial, health, training, or nutrition advice to other people, or represent Baray's outputs as professional advice.
Circumvent eligibility restrictions, including by misrepresenting your age or residence, or by inviting a partner who does not meet them.

We may suspend or terminate accounts that break these rules (Section 12).

9. Our intellectual property

Baray — its software, design, text, charts, training-plan templates, and the way its features fit together — is owned by us and protected by copyright and other laws. These Terms give you a personal, non-transferable, revocable licence to use it as intended for as long as your account is in good standing. That is the only right you receive. A training plan generated for you is yours to use, export, and share as you like; the templates and engine that produced it remain ours.

Feedback. If you send us suggestions, we can use them without owing you anything. We will never claim your data as feedback.

Third-party data. Nutrition data in Baray includes information licensed under the Open Government Licence – Canada (Canadian Nutrient File, Health Canada).

10. Availability, changes, and beta features

We aim to keep Baray running well, but we do not guarantee uninterrupted or error-free service. Things break; providers have outages; we deploy fixes.

We may change, add, or remove features. If we remove something you rely on, we will try to give reasonable notice and a way to export the affected data.

We may offer features labelled beta, preview, or experimental. Those may be rough, may change, and may be withdrawn.

11. Ending your account

You can leave any time. Delete your account from Settings. Deletion is immediate and irreversible: your data, including your login itself, is removed from the live database, subject to backup rotation as described in the Privacy Policy. Export first if you want a copy.

If you are in a household, deletion affects it too. If you are the account holder, deleting your account ends the household: any invitation or membership is removed, and your partner keeps their own account with none of the shared data. If you are the partner, deleting your account removes your membership and nothing else; the account holder's data is untouched.

Once paid subscriptions exist, cancelling will not be the same as deleting your account. Cancelling stops charges; your data stays until you delete it or a retention rule in the Privacy Policy applies.

12. When we may suspend or terminate

We may suspend or terminate your account if you materially breach these Terms, if required by law, or if the account is used in a way that risks harm to Baray, other users, or third parties. Where reasonable, we will warn you first and give you a chance to fix the problem and export your data. If we ever terminate a paid account for a reason other than your breach, we will refund any prepaid, unused portion of your subscription.

We may also discontinue Baray entirely. If we do, we will give at least 60 days' notice by email, keep the export feature available for that period, and refund any prepaid, unused portion of any subscription.

13. Disclaimer of warranties

Baray is provided "as is" and "as available." To the fullest extent the law allows, we make no warranties or conditions of any kind, express or implied — including any implied warranty or condition of merchantability, fitness for a particular purpose, accuracy, or non-infringement.

Without limiting that: we do not warrant that any calculation, projection, chart, training plan, meal plan, or figure is accurate, complete, or suitable for any purpose; that the service will meet your needs; or that it will be uninterrupted, secure, or free of errors.

14. Limitation of liability

To the fullest extent the law allows:

We are not liable for indirect, incidental, special, consequential, or punitive damages, or for loss of profits, savings, investment returns, data, or goodwill — however caused, even if we were told they were possible.
Our total liability to you for all claims arising out of or related to Baray or these Terms is capped at the greater of (a) the amount you paid us in the 12 months before the claim arose and (b) $100 CAD.
We are not liable for decisions you make. Investment, financial, tax, health, dietary, and training decisions are yours. Baray's outputs are inputs to your thinking, not substitutes for it (Section 3).
We are not liable for what a household partner does in the areas you chose to share with them, or for what you do in theirs.
We are not liable for third-party services you connect (Section 6) or for events outside our reasonable control, including outages of our hosting, database, or email providers.

Consumer rights. Some laws — including Alberta's Consumer Protection Act — give consumers rights that cannot be waived by contract. Nothing in these Terms limits or excludes any right you have under those laws that cannot lawfully be limited or excluded. If any part of this section is found unenforceable in your case, the rest of it still applies as far as the law permits.

15. Indemnity

If someone brings a claim against us because of your breach of these Terms, your violation of a law or of someone else's rights, or data you brought into Baray without the right to do so, you will cover our reasonable costs of dealing with that claim, including legal fees. This does not apply to claims caused by our own breach or negligence.

16. Governing law and disputes

These Terms are governed by the laws of Alberta and the federal laws of Canada that apply there.

Talk to us first. If you have a problem, email hello@baray.ca. Most things can be sorted out in a few messages. We will respond within a reasonable time and try in good faith to resolve it.

Where disputes go. If a dispute cannot be resolved informally, you and we agree that the courts of Alberta will hear it, and each of us submits to their jurisdiction. Nothing in this section prevents you from bringing a claim in the small claims court of your own province if the law entitles you to, or from complaining to a privacy or consumer regulator.

No arbitration, no class-action waiver. We do not require you to arbitrate, and we do not ask you to waive any right to participate in a class proceeding.

17. Changes to these Terms

We may update these Terms. When we do, we will post the new version with a new effective date and version number. If a change is material — anything that reduces your rights, changes what you pay, or changes how we may use your data — we will email you at least 30 days before it takes effect and ask you to accept the new Terms the next time you sign in. If you do not agree, you may delete your account before the change takes effect; continuing to use Baray after that date means you accept it. Prior versions are available on request.

18. The rest

Entire agreement. These Terms and the Privacy Policy are the whole agreement between you and us about Baray. They replace any earlier discussions or descriptions, including marketing copy.
Severability. If any part of these Terms is found unenforceable, the rest stays in force, and the unenforceable part is read as narrowly as necessary.
No waiver. If we do not enforce something once, we can still enforce it later.
Assignment. You may not transfer your account or this agreement. We may assign it to a successor that takes over Baray — including a corporation formed to carry on the business — and will tell you if we do.
Notices. We send notices to the email address on your account; keep it current. You send notices to hello@baray.ca.
Force majeure. Neither of us is responsible for delays or failures caused by events outside reasonable control.
Survival. Sections 3, 5 (as to data you leave with us), 9, 13, 14, 15, 16, and 18 survive the end of your account.
Language. These Terms are in English.
Electronic contract. You agree that agreeing online — by ticking the box at signup or on the acceptance screen — forms a binding contract, and that we may send you any required copy of this contract, and any notice, by email.

What changed in version 1.1

Section 1 names the operator: Kiegan Scott, carrying on business as Baray.
Section 2 describes household sharing — a partner with their own login — and asks you not to share your password now that this exists. Version 1.0 said separate logins were not offered; they are.
Sections 4, 5, 8, 11, and 14 say what household sharing means for responsibility, data ownership, deletion, and liability.
Sections 3, 9, and 13 mention generated training plans, which Baray now produces.
Nothing about pricing changed: Baray is still free, with no card and no charges (Section 7).