Disclosures
What Ember is, and isn’t
Ibrahim Gonzalez LLC
Educational tool, not advice
Ember is a planning and education tool. It is not a bank, broker, investment adviser, tax preparer, credit counselor or lawyer, and nothing in the app, including Spark, is financial, investment, tax, legal or credit advice. Decide what is right for you, and talk to a licensed professional for personal advice.
Estimates and projections
Projections, chances of success, FIRE numbers, payoff dates, Social Security and tax figures are estimates based on what you enter and on assumptions such as returns, inflation and withdrawal rates. Markets are unpredictable and past results do not guarantee future results. Real outcomes will differ.
Bank connections
Bank linking (Premium) is optional and provided through Plaid Inc. By linking, you allow Plaid to collect data from your bank under the Plaid End User Privacy Policy (plaid.com/legal). Connections are read-only: Ember can see balances and transactions but can never move money. Bank data may be delayed or incomplete; check your bank for official balances. You can disconnect a bank anytime in Settings. Up to 10 banks can be linked per person.
Spark (AI)
Spark’s answers and transaction sorting are generated by AI and can be wrong or incomplete. Double-check anything important. Spark gives general education about investing and taxes and does not make personal investment or tax recommendations.
Credit score
Credit scores you enter are for your own tracking. Ember does not pull your credit report and is not a credit reporting agency. Lenders may use different score models.
Subscriptions
Plus and Premium are auto-renewing subscriptions billed to your Apple Account. Payment is charged when you confirm, or when a free trial ends. They renew automatically unless cancelled at least 24 hours before the end of the current period. Manage or cancel in Settings → Apple ID → Subscriptions. Deleting the app or your Ember account does not cancel a subscription. Gift Ember is a one-time purchase that gives the person who redeems the code 12 months of Plus or Premium (whichever was bought) from the day they redeem it; it does not renew and never charges them. Unused gift codes don’t expire. Refunds for purchases are handled by Apple.
Security
Your data is encrypted in transit and at rest. No system is perfectly secure, so use a strong password, keep your device updated, and turn on Face ID lock in Settings.
Third parties
Ember is not affiliated with or endorsed by your bank, Plaid, Apple, Anthropic or any company named in the app. Market and economic data come from third-party sources and may be delayed.