# Hiatus

> Hiatus is a personal finance app for iOS and Android from Hiatus Inc. It finds and cancels subscriptions, negotiates bills through a concierge team, and tracks spending, budgets and net worth.

- Canonical: https://www.anchorterminal.com/tools/hiatus
- Markdown: https://www.anchorterminal.com/tools/hiatus.md (~4,800 tokens)
- Slim: https://www.anchorterminal.com/tools/hiatus.min.md (~1,080 tokens, same facts, less prose, for token-sensitive contexts)
- JSON: https://www.anchorterminal.com/tools/hiatus.json (this page as data, same URL with Accept: application/json)
- Site index for agents: https://www.anchorterminal.com/llms.txt (full text: https://www.anchorterminal.com/llms-full.txt)
- API: https://www.anchorterminal.com/api/v1/index.json
- Updated: 2026-10-14

## Overview

**Grade F · 14.3/100 · rank #1054 of 1076 · #9 in Subscriptions, bills & personal finance · not agent-ready · not for agents · confidence medium**


## Assessment

Hiatus covers subscription tracking, cancellation and bill negotiation for people, with dated terms and iOS releases every few weeks. There is no public API or MCP server an outside agent can call today, no developer or partner page, and the terms forbid automated access. Premium prices appear only as App Store in-app purchases.

## Facts

| Field | Value |
| --- | --- |
| Vendor | Hiatus Inc. (https://hiatusapp.com) |
| Kind | Platform |
| Category | Subscriptions, bills & personal finance (https://www.anchorterminal.com/categories/personal-finance) |
| Auth | OAuth or key · A Hiatus account in the app. Account data arrives through an aggregator, with Plaid named in the privacy policy (https://hiatus.delivery/pages/privacy-policy.html). Bill negotiation and cancellation run under a written authorisation in the terms (https://hiatus.delivery/pages/terms-of-use.html). No credential exists for an outside agent. |
| Pricing | Freemium (Freemium) · The app is free on the App Store. Hiatus Premium, which the terms say unlocks bill negotiation and cancellation, is sold as in-app purchases of $9.99 (Hiatus Premium), $35.99, $48.00 or $59.99 a year and $13.99 or $20.99 a month (https://apps.apple.com/us/app/id977040079, checked 14 October 2026). No price is published on hiatusapp.com. |
| x402 | No · No x402, MPP or L402 found on hiatusapp.com or the terms, checked 14 October 2026. |
| Licence | Closed service under the Hiatus Terms of Use (Hiatus Inc., a Delaware corporation). |
| llms.txt | not found |
| Last release | 2026-10-06 |
| Surface listed | The Hiatus app, read from hiatusapp.com, the terms and privacy policy on hiatus.delivery, the privacy centre and the App Store listing on 14 October 2026. No account was created. |
| Outside agent access | None. No API, MCP server, developer or partner page was found. |
| What it acts on | Linked account transactions, recurring bills and subscriptions, budgets, net worth, and bill negotiation and cancellation by a concierge team (https://hiatusapp.com). |
| Company | Hiatus Inc., a Delaware corporation. Phone (855) 508-5411 (https://hiatusapp.com). |
| Capabilities | finance.subscriptions, finance.cancellation, finance.bills, finance.budgets, finance.transactions |
| Tags | hosted, official, closed-source, freemium, ios, android, not-for-agents |
| JSON | https://www.anchorterminal.com/api/v1/tools/hiatus.json |

## Score breakdown (methodology v0.4, October 2026 research run)

Assessed 2026-10-14 from public evidence against the published checklist (https://www.anchorterminal.com/benchmark/#checklist). Confidence: medium. Performance and Task success pending (no score, not in the total); the total is Σ(score × weight) ÷ 80 over the 7 assessed categories. "This run" is each category's share of the 100 points.

| Category | Weight | This run | Score (0–100) | Points |
| --- | --- | --- | --- | --- |
| Reliability | 16% | 20 | 15 | 3.0 |
| Performance | 10% | pending | pending | n/a |
| Schema & documentation | 13% | 16.2 | 0 | 0.0 |
| Agent ergonomics | 13% | 16.2 | 0 | 0.0 |
| Security & auth | 14% | 17.5 | 0 | 0.0 |
| Payments & pricing | 10% | 12.5 | 20 | 2.5 |
| Task success | 10% | pending | pending | n/a |
| Maintenance & community | 7% | 8.8 | 54 | 4.7 |
| Transparency & trust (editorial 34, provenance 59) | 7% | 8.8 | 47 | 4.1 |
| Negative events | up to −15 | up to −15 | none recorded | 0 |
| **Total** | | | | **14.3 → F** |

### Why each score

- Reliability 15: Read with the hosted lines. No status page found, and status.hiatusapp.com has no DNS record (0). No readable incident history (5). No limits published, and no interface for an outside agent (0). No overload or retry guidance (0). No SLA (0). On the App Store since 9 May 2015 and not labelled beta (10).
- Performance: Pending. Latency is measured per call by our probes, which haven't run yet, so this run doesn't score it. Its weight is shared across the assessed categories until the first probe window closes.
- Schema & documentation 0: Graded on the interface an outside agent can use. Hiatus has no API or MCP server, so the contract, description, typed-input and example lines score nothing (0 of 25, 0 of 20, 0 of 15, 0 of 15). hiatusapp.com/llms.txt returns 404 (0 of 10). Nothing to version (0 of 15).
- Agent ergonomics 0: Graded on the interface an outside agent can use. Hiatus has none, so context cost, pagination, errors, retries and defaults have nothing to score (0 on each line).
- Security & auth 0: Graded on the interface an outside agent can use. With none, the credential, least-privilege, injection and audit lines score nothing (0 of 30, 0 of 20, 0 of 15, 0 of 15). security.txt returns 404, and no security contact, disclosure policy, bug bounty or certification was found. The privacy policy mentions a regularly tested data security policy without detail (0 of 20).
- Payments & pricing 20: Read with the hosted rule. No x402, MPP or L402 (0). hiatusapp.com publishes no price, but the App Store lists Hiatus Premium in-app purchases, scored as public plan-only pricing the way the Tomo dossier read App Store prices (10). The app is free, and the terms imply a non-Premium account, but no free tier or card rule is stated, scored as hedged (10 of 20). A person signs up in the app (0).
- Task success: Pending. Task success needs the category task suites run through each tool, which haven't run yet, so this run doesn't score it. Its weight is shared across the assessed categories until then. A data provider's data-quality score is published on its listing now and becomes half of this category when it's scored.
- Maintenance & community 54: Read for a closed service. iOS 4.117.1 on 6 October 2026 (30). Seven iOS versions from 21 July to 6 October (20). Release notes are generic, with a phone line and help link, untested (4 of 15). No SDK (0). No package or CI to judge (0).
- Transparency & trust 47: Closed service under dated terms naming Hiatus Inc. (15). The privacy policy, dated 27 February 2026, names Plaid, discloses sharing with AI providers and runs a privacy centre for access and erasure, with no retention periods (12 of 30). No deprecation policy or dated notices found (2 of 20). Plaid named and AI providers by category only (5 of 20).

Fix list for a coding agent, everything this grade says the listing lacks, the biggest gain first (13 items): https://www.anchorterminal.com/fixes/hiatus.md (JSON https://www.anchorterminal.com/fixes/hiatus.json)

### What we couldn't check

- Whether the free account needs a card, and what the $9.99 Hiatus Premium purchase covers.
- Which AI providers process linked-account data.

### Sources

- homepage: <https://hiatusapp.com> (seen 2026-10-14)
- terms of use: <https://hiatus.delivery/pages/terms-of-use.html> (seen 2026-10-14)
- privacy policy: <https://hiatus.delivery/pages/privacy-policy.html> (seen 2026-10-14)
- privacy centre: <https://privacy.hiatusapp.com/> (seen 2026-10-14)
- App Store listing and version history: <https://apps.apple.com/us/app/id977040079> (seen 2026-10-14)
- robots.txt: <https://hiatusapp.com/robots.txt> (seen 2026-10-14)
- status subdomain DNS lookup: <https://dns.google/resolve?name=status.hiatusapp.com&type=A> (seen 2026-10-14)

## Who's behind it (provenance 59/100, checked 2026-10-14)

| Check | Finding | Points |
| --- | --- | --- |
| Legal entity named | Hiatus Inc. | 20/20 |
| Domain age | hiatusapp.com, registered 2015-03-22 (11 years) | 15/15 |
| Endpoint on the vendor's domain | no hosted endpoint | n/a |
| Terms of service | read, states 6 of the 7 things a reader expects, and has 2 clauses that cost points | 5.1/10 |
| Privacy policy | read, states 8 of the 8 things a reader expects | 10/10 |
| Status page | not found | 0/10 |
| Changelog | not found | 0/10 |
| security.txt | not found | 0/10 |

The terms and privacy policy are both dated 27 February 2026 and hosted on hiatus.delivery, a separate domain.

hiatusapp.com/.well-known/security.txt returns 404. status.hiatusapp.com has no DNS record.

RDAP gives a registration date of 2015-03-22 for hiatusapp.com.

### Terms and privacy, as read

A reading by a fixed set of rules, each answered with the vendor's own sentence. Not legal advice.

**Terms of service** (https://hiatus.delivery/pages/terms-of-use.html), read 2026-10-14, dated 2026-02-27, states 6 of the 7 things a reader expects.

- To know. Restricts automated access (costs points). "Use any robot, spider, or other automatic device, process, or means to access the Hiatus Platforms for any purpose, including monitoring or copying any of the material on the Hiatus Platforms."
- To know. Says the terms or the service can change without notice (costs points). "We reserve the right to withdraw or amend the Hiatus Platforms, and any Services or material we provide on the Hiatus Platforms, in our sole discretion without notice."
- To know. Says access can be ended without notice or for any reason. "Terminate or suspend your access to all or part of the Hiatus Platforms for any or no reason, including without limitation, any violation of these Terms."
- To know. Requires arbitration or waives class actions. "…or concerning their interpretation, violation, invalidity, non-performance, or termination, to final and binding arbitration under the Rules of Arbitration of the American Arbitration Association applying Delaware law."
- Gives the date it was last updated. Last updated 2026-02-27.
- Names the governing law or courts. The law of the State of Delaware.
- States a limit on its liability. Rules out indirect and consequential losses, with no cap named in this sentence.
- Says how changes to the terms are announced. Changes are posted, with no other notice named.
- Not found in the text. Refers to a service level or uptime commitment.
- Also in the text (2026-10-14). Bill negotiation authorises Hiatus to act as the user's agent and change accounts with providers, including contract length and the services received. "make changes to your account(s) in order to achieve bill savings, including, but not limited to, changes to the length of your contract with the third party provider and changes to the specific services you receive from that third party provider."
- Also in the text (2026-10-14). Hiatus may change the amount, frequency and debit date of the Premium subscription fee, with advance notice. "We may change the amount, frequency, and debit date of the Subscription Fee from time to time in our sole discretion."
- Also in the text (2026-10-14). Financial data, including account history and transactions from linked accounts, is processed by AI models to generate insights. "Your financial data, including Account History and transaction information, will be processed by AI models in order to generate insights and analysis."

**Privacy policy** (https://hiatus.delivery/pages/privacy-policy.html), read 2026-10-14, dated 2026-02-27, states 8 of the 8 things a reader expects.

- Gives the date it was last updated. Last updated 2026-02-27.
- Says how long data is kept. For as long as needed, with no period named.
- Says whether personal data is sold or shared for advertising. Says it does not sell personal data.
- Gives a privacy contact. support@hiatusapp.com.
- Says where data is transferred or stored. Data goes to the United States.
- Also in the text (2026-10-14). Financial data shared with third-party AI service providers may not be used by them to train their AI models. "are prohibited from using your information for any other purpose, including training their AI models on your personal data"
- Also in the text (2026-10-14). Hiatus may retain AI assistant inputs and outputs to maintain and improve the service. "We may retain AI interaction data, including your inputs and the corresponding AI-generated outputs, to provide, maintain, and improve the Service."

## Probe metrics

Not measured yet. Our benchmark probes haven't run, so there's no availability, latency or error rate from a run and Performance is pending. Live uptime, where we poll the endpoint, is under Live and doesn't change the score.

## Strengths

- Bill negotiation and cancellation run under a written authorisation in terms dated 27 February 2026.
- Seven iOS releases between 21 July and 6 October 2026.
- A privacy centre takes access and erasure requests by email verification.

## Weaknesses

- No public API or MCP server an outside agent can call.
- The terms forbid any robot, spider or other automatic means of access.
- No price on hiatusapp.com. Premium appears only as App Store in-app purchases from $9.99 to $59.99.
- Linked-account transactions are shared with unnamed third-party AI providers for the assistant.
- No status page, security.txt or security contact found.

## Before you call it (notes for agents)

1. Don't plan to call Hiatus from another agent. There is no public API, so hand subscription and bill tasks to the person in the Hiatus app.
2. Tell the person bill negotiation and cancellation need Hiatus Premium, bought in the app.

## Similar tools

Ranked by shared capabilities, then score. Same-category tools with no shared capability key are listed last.

| Tool | Grade | Score | Rank | Shared capabilities | x402 | Markdown |
| --- | --- | --- | --- | --- | --- | --- |
| Rocket Money | F | 17 | 1046 | finance.subscriptions, finance.cancellation, finance.bills, finance.budgets, finance.transactions | no | https://www.anchorterminal.com/tools/rocket-money.md |
| PocketGuard | F | 14.6 | 1053 | finance.budgets, finance.transactions, finance.bills, finance.subscriptions, finance.cancellation | no | https://www.anchorterminal.com/tools/pocketguard.md |
| Snoop | F | 26.7 | 1027 | finance.subscriptions, finance.bills, finance.budgets, finance.transactions | no | https://www.anchorterminal.com/tools/snoop.md |
| Quicken Simplifi | F | 20.7 | 1037 | finance.subscriptions, finance.budgets, finance.bills, finance.transactions | no | https://www.anchorterminal.com/tools/quicken-simplifi.md |
| Emma | F | 17.4 | 1044 | finance.subscriptions, finance.budgets, finance.bills, finance.transactions | no | https://www.anchorterminal.com/tools/emma.md |
| Copilot Money | F | 16.3 | 1049 | finance.budgets, finance.transactions, finance.subscriptions, finance.bills | no | https://www.anchorterminal.com/tools/copilot-money.md |

## Panel reviews (0)

Reviewed by the Anchor panel (https://www.anchorterminal.com/reviewers/index.md): .

Desk reviews, written from public documentation, pricing, terms, source and status history on 1 October 2026. No calls made. For a desk review, the outcome says whether the reviewer's questions could be answered from public material: success, partial or failure. How reviews work: https://www.anchorterminal.com/reviews/how-it-works.md

## Notable

- The terms authorise Hiatus and its agents to negotiate with, lower or cancel a member's service-provider bills on their behalf (source: <https://hiatus.delivery/pages/terms-of-use.html>)
- The terms forbid any robot, spider or other automatic means of access to the Hiatus platforms (source: <https://hiatus.delivery/pages/terms-of-use.html>)
- The privacy policy says linked-account transactions are shared with third-party AI providers for the AI Financial Assistant, contractually limited to that purpose (source: <https://hiatus.delivery/pages/privacy-policy.html>)
- A privacy centre at privacy.hiatusapp.com takes access, erasure and consent requests by email verification (source: <https://privacy.hiatusapp.com/>)

- #9 of 10 in Best subscription, bill and budgeting tools for AI agents: https://www.anchorterminal.com/best/personal-finance/index.md
- All 43 personal finance comparisons: https://www.anchorterminal.com/compare/personal-finance/index.md

## Compare

- [Emma vs Hiatus](https://www.anchorterminal.com/compare/emma-vs-hiatus.md): F 17.4 vs F 14.3
- [Hiatus vs PocketGuard](https://www.anchorterminal.com/compare/hiatus-vs-pocketguard.md): F 14.3 vs F 14.6
- [Hiatus vs Quicken Simplifi](https://www.anchorterminal.com/compare/hiatus-vs-quicken-simplifi.md): F 14.3 vs F 20.7
- [Hiatus vs Rocket Money](https://www.anchorterminal.com/compare/hiatus-vs-rocket-money.md): F 14.3 vs F 17
- [Hiatus vs ScribeUp](https://www.anchorterminal.com/compare/hiatus-vs-scribeup.md): F 14.3 vs F 7.9
- [Hiatus vs Snoop](https://www.anchorterminal.com/compare/hiatus-vs-snoop.md): F 14.3 vs F 26.7
- [Copilot Money vs Hiatus](https://www.anchorterminal.com/compare/copilot-money-vs-hiatus.md): F 16.3 vs F 14.3
- [Hiatus vs YNAB](https://www.anchorterminal.com/compare/hiatus-vs-ynab.md): F 14.3 vs B 65.1
- [Hiatus vs Plum](https://www.anchorterminal.com/compare/hiatus-vs-plum.md): F 14.3 vs F 27.4

## Verify this listing

For the vendor. The badge or a plain link to this page verifies the listing, from a page on hiatusapp.com or one of its subdomains. It shows the listing is the vendor's and that the vendor knows it's here, and it never changes a grade, rank or review. The vendor sends the page's address to `POST https://www.anchorterminal.com/api/v1/verify` as `{"slug": "hiatus", "url": "…"}`, or calls the `verify_listing` tool at https://www.anchorterminal.com/mcp. We fetch the page once, then again every week; two failed checks in a row and the verification lapses, and a later pass restores it. What we check: https://www.anchorterminal.com/builders/index.md#verify

HTML badge:

```html
<a href="https://www.anchorterminal.com/tools/hiatus"><img src="https://www.anchorterminal.com/badges/hiatus.svg" alt="Hiatus on Anchor Terminal" height="20"></a>
```

Markdown badge, for a README:

```markdown
[![Hiatus on Anchor Terminal](https://www.anchorterminal.com/badges/hiatus.svg)](https://www.anchorterminal.com/tools/hiatus)
```

Plain link:

```html
<a href="https://www.anchorterminal.com/tools/hiatus">Hiatus on Anchor Terminal</a>
```

## Share this listing

For the vendor. Sharing assets for social media, two PNGs of 1200 × 630 that say Hiatus is listed on Anchor Terminal, with the vendor's logo and this page's address and no grade or score.

- Dark: https://www.anchorterminal.com/assets/share/hiatus-dark.png
- Light: https://www.anchorterminal.com/assets/share/hiatus-light.png
- Create a video and download its frames: https://www.anchorterminal.com/assets/listing-video/index.html?listing=hiatus