The short version: it is a planning tool, not a bank or an adviser; your figures are yours and live only on your device; the full app is a monthly or yearly subscription through the app stores, with lower prices earned by using the app; and if it lapses, nothing you set up stops working.
Agreeing to these terms
By using Surge Account you agree to these terms. If you got it from the Apple App Store, Apple’s Standard Licensed Application End User License Agreement (https://www.apple.com/legal/internet-services/itunes/dev/stdeula/) also applies; from Google Play, the Google Play Terms of Service also apply. Where they conflict with these terms, theirs win to the extent they require.
What the app is, and is not
A planning and record-keeping tool. It works out where your money should go under the plan you set, and lists the moves for you to make.
Not a bank. It does not hold money or move money. Every transfer is one you make yourself. If you choose to connect SimpleFIN, the app can read your balances and recent transactions, read-only; bank figures may lag your bank by a day or so, and SimpleFIN is a separate service under its own terms.
Not advice. Nothing in the app is financial, investment, tax or legal advice. Its figures are only as good as what you enter — check them against your bank.
Not accounting or tax software. A business kept in the app is planned the same way as a household. The app does not keep books for tax, send invoices, run payroll or file anything.
Free levels and the full app
Level 1 is free, with no time limit.
The full app (levels 2 to 6) is an auto-renewing subscription of $2.99 a month, or $24.99 a year, bought through Google Play or the Apple App Store. It renews at the end of each month or year, whichever you chose, unless you cancel at least 24 hours before the end of the current period. Billing, cancellation and refunds are handled by the store under its own rules.
Reward months. Rewards are months of the monthly plan at a lower price, not free months. Reaching level 2 — by the points the app counts at level 1 — earns your first 3 months at $0.99 a month, as the store’s introductory offer. Using the app for 3 months at a level — 3 months whose run you confirm — earns 3 months at $1.49 a month, offered through the store. Levels 3, 4 and 5 each earn once, up to 12 reward months in all. Reward prices apply to the monthly plan only, are applied by Google Play or the Apple App Store under their own offer rules, belong to the household on your device, have no cash value and cannot be transferred. We may change how rewards are earned in future; rewards already earned are never taken away.
If the full app lapses, the app shows level 1 again. Everything you set up at higher levels is paused — the app stops suggesting moves for it — but nothing is deleted: your settings and records are kept, and it all carries on where it stopped when the full app returns.
Prices may change. A change reaches existing subscribers only through the store, with the notice the store requires.
Your figures are yours
Everything you enter belongs to you and stays on your device (see the Privacy Policy).
Keeping it is your responsibility. We hold no copy and cannot recover anything lost to an uninstall, a reset or a lost phone. Save backups.
Using the app fairly
You may use the app for your own household and for your own businesses. Please do not copy, resell or redistribute it, or tamper with it to get round the full app’s subscription.
No warranty
The app is provided “as is”. We work to keep it accurate and reliable, but we cannot promise it is free of errors, and to the extent the law allows we give no warranties beyond the ones the law requires.
Limit of liability
To the extent the law allows, we are not liable for indirect or consequential losses, or for decisions made using the app’s figures, and our total liability for any claim is limited to what you paid for the app in the 12 months before it. Some places do not allow these limits, so they may not all apply to you.
Changes, and the law that applies
We may update these terms; the new version will be in the app and on this page with a new date. Continuing to use the app after a change means accepting it. These terms are governed by the laws of the State of Idaho, United States. This is version 4, effective November 8, 2026.