Terms of Service

By accessing or using our Apps, you confirm that:

• You are at least 13 years of age (or the minimum age required in your jurisdiction)
• You have the legal capacity to enter into this agreement
• You will comply with these Terms and all applicable laws
• If using on behalf of an organization, you have authority to bind that organization to these Terms

Certain features may be subject to additional terms, which will be presented to you when you access those features. Such additional terms are incorporated into these Terms by reference.

To access certain features, you may need to create an account. You agree to:

• Provide accurate, current, and complete information
• Maintain and update your information as needed
• Keep your login credentials confidential
• Notify us immediately of unauthorized account access
• Accept responsibility for all activities under your account

You are responsible for maintaining the security of your account. We are not liable for any loss or damage arising from your failure to protect your account credentials.

We reserve the right to suspend or terminate your account at any time for:

• Violation of these Terms
• Fraudulent, abusive, or illegal activity
• Extended periods of inactivity
• Any reason at our sole discretion

Our Apps may offer both free and premium (paid) features. Free features are subject to limitations that may change at any time.

Premium subscriptions may be offered as:

• Monthly: Billed every month
• Annual: Billed once per year
• Lifetime: One-time payment for perpetual access

• Payments are processed through Apple App Store or Google Play Store
• Subscription fees are charged in advance for each billing period
• Prices are in US dollars unless otherwise specified
• Taxes may apply based on your location

We may offer free trial periods for premium features:

• Trial length and terms will be specified at sign-up
• You may be required to provide payment information
• If you don't cancel before the trial ends, you will be charged
• Trial offers are typically limited to one per user

Subscriptions automatically renew unless:

• You cancel at least 24 hours before the renewal date
• We discontinue the subscription service

To cancel, use your device's subscription management:

• iOS:Settings > [Your Name] > Subscriptions
• Android:Google Play Store > Subscriptions

Refunds are handled by Apple or Google according to their policies:

• Apple: support.apple.com/en-us/HT204084
• Google: support.google.com/googleplay/answer/2479637

We do not directly process refunds. Contact the respective app store for refund requests.

We reserve the right to change subscription prices. Price changes will:

• Not affect your current subscription period
• Take effect at the next renewal after notice is provided
• Be communicated through the app or email

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to:

• Download and install our Apps on your personal devices
• Use our Apps for personal, non-commercial purposes
• Access premium features if you have an active subscription

You may NOT:

• Copy, modify, or distribute our Apps or their content
• Reverse engineer, decompile, or disassemble our Apps
• Remove any copyright or proprietary notices
• Use our Apps for commercial purposes without authorization
• Sublicense, sell, or transfer your license to others
• Use our Apps in any way that violates applicable laws
• Attempt to bypass security features or access restrictions
• Use automated systems to access our Apps (bots, scrapers)

All rights, title, and interest in our Apps, including but not limited to:

• Software code and architecture
• User interface and design
• Graphics, icons, and images
• Text, content, and documentation
• Trademarks, logos, and brand elements

are owned by J&H Technology LLC or our licensors and are protected by intellectual property laws.

You retain ownership of content you create within our Apps. By using our Apps, you grant us a license to:

• Store and process your content to provide our services
• Create backups for data protection
• Display your content to you across your devices

We do not claim ownership of your personal content.

You agree to use our Apps only for lawful purposes and in accordance with these Terms. You will not:

• Violate any applicable laws or regulations
• Infringe on the rights of others
• Upload malicious code, viruses, or harmful content
• Attempt to gain unauthorized access to our systems
• Interfere with or disrupt our services
• Harass, abuse, or harm other users
• Impersonate any person or entity
• Collect information about other users without consent
• Use our Apps for spam or unsolicited communications

If our Apps allow user-generated content, you agree not to post content that:

• Is illegal, harmful, or offensive
• Infringes on intellectual property rights
• Contains personal information of others without consent
• Is fraudulent, deceptive, or misleading
• Contains malware or malicious code

We may, at our sole discretion:

• Remove content that violates these Terms
• Suspend or terminate accounts for violations
• Report illegal activities to law enforcement
• Take legal action against violators

OUR APPS ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy or completeness of content
• Uninterrupted or error-free operation

Our Apps are for informational and personal use only. They do not provide:

• Medical, health, or fitness advice
• Financial, legal, or tax advice
• Professional guidance of any kind

Always consult qualified professionals for such matters.

Our Apps may integrate with or link to third-party services. We are not responsible for the availability, accuracy, or practices of third parties.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, J&H TECHNOLOGY LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR:

• Indirect, incidental, special, or consequential damages
• Loss of profits, revenue, or data
• Business interruption
• Personal injury or property damage
• Any damages arising from your use of our Apps

OUR TOTAL LIABILITY FOR ANY CLAIMS ARISING FROM YOUR USE OF OUR APPS SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.

The limitations in this section are essential terms of this agreement. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

Before initiating formal proceedings, you agree to contact us at jarrod@jandhtechnology.com to attempt to resolve any dispute informally. We will attempt to resolve disputes within 30 days.

If informal resolution fails, any dispute shall be resolved by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules.

• Arbitration will be conducted in English
• The arbitrator's decision is final and binding
• Judgment may be entered in any court of competent jurisdiction

YOU AGREE TO RESOLVE DISPUTES ON AN INDIVIDUAL BASIS. YOU WAIVE THE RIGHT TO PARTICIPATE IN CLASS ACTIONS, CLASS ARBITRATIONS, OR REPRESENTATIVE ACTIONS.

The following disputes are not subject to arbitration:

• Claims for injunctive or equitable relief
• Intellectual property disputes
• Small claims court matters

These Terms shall be governed by the laws of the State of Michigan, United States, without regard to conflict of law principles.

You may terminate your use of our Apps at any time by:

• Deleting the App from your devices
• Canceling any active subscriptions
• Requesting account deletion

We may terminate or suspend your access immediately, without notice, for:

• Breach of these Terms
• Fraudulent or illegal activity
• Extended inactivity
• Discontinuation of the service

Upon termination:

• Your license to use our Apps ends immediately
• We may delete your account and data
• Subscription fees already paid are non-refundable
• Sections of these Terms that should survive will remain in effect

We reserve the right to:

• Modify, update, or discontinue any feature
• Change the functionality of our Apps
• Limit availability in certain regions
• Require updates for continued use

IMPORTANT: We may revise these Terms at any time without prior notice. Changes are effective immediately upon posting.

We encourage you to review these Terms regularly. Your continued use of our Apps after changes constitutes acceptance of the revised Terms.

The “Last Updated” date at the top indicates when these Terms were last modified.

These Terms, together with our Privacy Policy and any additional terms for specific features, constitute the entire agreement between you and J&H Technology LLC regarding our Apps.

If any provision of these Terms is found unenforceable, the remaining provisions will continue in full force and effect.

Our failure to enforce any right or provision does not constitute a waiver of that right or provision.

You may not assign or transfer your rights under these Terms. We may assign our rights to any affiliate or successor.

We may provide notices to you through:

• The App interface
• Email to your registered address
• Push notifications (if enabled)
• Posting on our website

We are not liable for delays or failures due to circumstances beyond our reasonable control, including natural disasters, acts of government, or infrastructure failures.

• Our Apps are not medical devices
• Do not use as a substitute for professional medical advice
• Consult a healthcare provider before starting any fitness program
• We are not responsible for injuries resulting from exercises or activities suggested by our Apps

• Our Apps provide tools for personal finance management only
• We do not provide financial, investment, or tax advice
• We are not responsible for financial decisions made using our Apps
• Verify all calculations independently

• We are not responsible for data loss due to sync failures
• Maintain your own backups of important information
• We do not guarantee availability of cloud sync features

• Content and suggestions are for informational purposes only
• User discretion is advised for all recommendations
• Results may vary based on individual circumstances