What's free, and what do I pay for?
Everything except automatic bank connections is free: your full history, manual accounts and transactions, CSV import, budgets, goals, contribution room, and net worth in every currency you hold. The subscription covers one thing, connecting a bank or brokerage so your balances and transactions update themselves. That is the part that costs us money per account, so that is the part we charge for.
What happens when my 14-day trial ends?
You move to the free plan. Nothing is charged and nothing is deleted. Your accounts, transactions and history stay where they are, and you can keep them current by hand. What stops is automatic syncing: your connected balances hold at their last update until you subscribe.
Can I cancel anytime?
Yes, in one click. There are no contracts, no "are you sure?" mazes, and no retention dark patterns. If you cancel a monthly plan your connections keep syncing until the end of the billing period, and you keep the app either way. Annual plans are refundable pro-rata within the first 30 days.
Do you support business accounts?
Not at launch. Mozaic is built for personal net worth: TFSA, RRSP, FHSA, RESP, joint accounts, brokerage, mortgages, and the rest of your household balance sheet. Sole-proprietor business banking can be added as a manual account, but accounting and incorporated-entity workflows aren't supported.
Why CAD pricing?
Because we built Mozaic for Canadians first, and pricing in CAD means no FX surprise on your card statement, no "$13 USD became $17.84 plus a foreign transaction fee." If we ever serve US or EU customers in their own currencies, we'll publish local pricing, not convert at checkout.
Is my data safe?
Read-only account connections via 256-bit TLS and bank-grade OAuth (Plaid and SnapTrade). We never store your credentials. You can revoke any connection in one tap, and deleting your account wipes everything within 30 days, or immediately if you choose. Full details on the security page.