Terms of Service

By creating an account, completing onboarding, subscribing, or otherwise using this application, you confirm that you have read, understood, and agreed to these Terms of Service and Privacy Policy ("Agreement"). If you do not agree, you must not use the App.

You must be at least 18 years old to use the App. By using the App, you represent and warrant that you meet this requirement and have the legal capacity to enter into this Agreement in your jurisdiction.

The App provides interactive personal finance education, including lessons, quizzes, explanations, progress tracking, streaks, experience points, leaderboards, challenges, and related gamified features. All content is general educational material intended for informational purposes only.

The App does not connect to, access, aggregate, monitor, or transact against your bank accounts, brokerage accounts, credit accounts, or any other financial accounts. The App does not execute trades, move money, or manage assets.

THE APP IS AN EDUCATIONAL PRODUCT. NOTHING IN THE APP CONSTITUTES FINANCIAL, INVESTMENT, TAX, ACCOUNTING, OR LEGAL ADVICE, OR A RECOMMENDATION, SOLICITATION, OR OFFER TO BUY, SELL, OR HOLD ANY SECURITY OR FINANCIAL PRODUCT.

The Company is not a registered investment adviser, broker-dealer, financial planner, tax adviser, accountant, or law firm, and is not licensed to provide such services. No advisory, brokerage, or fiduciary relationship of any kind is created between you and the Company by your use of the App.

Content is general in nature and does not account for your individual financial situation, objectives, income, tax position, risk tolerance, or circumstances. You should consult a qualified, licensed professional before making any financial decision. Any action you take based on App content is taken solely at your own discretion and risk.

Illustrative Figures & Examples

Any figures, rates, returns, projections, calculations, or scenarios shown in the App are hypothetical and illustrative only. They are not predictions or guarantees of future results. Past performance does not indicate future performance, and all investing involves risk, including the possible loss of principal.

THE COMPANY MAKES NO REPRESENTATIONS OR WARRANTIES REGARDING THE ACCURACY, COMPLETENESS, RELIABILITY, TIMELINESS, OR APPLICABILITY OF ANY LESSON, EXPLANATION, FIGURE, CALCULATION, OR OTHER CONTENT PROVIDED BY THE APP. YOUR USE OF AND RELIANCE ON THE APP IS ENTIRELY AT YOUR OWN RISK.

Financial rules, tax laws, contribution limits, interest rates, product terms, and regulations change frequently and vary by jurisdiction. Content may become outdated, may not reflect current law, and may not apply in your country, state, or personal circumstances. You are responsible for independently verifying any information before relying on it.

The Company makes no guarantee or representation that use of the App will result in any particular educational outcome, knowledge level, financial improvement, savings, returns, debt reduction, credit score change, or other result. Progress indicators such as experience points, streaks, levels, and leaderboard placement measure engagement with the App only. They are not measures of financial competence, qualification, certification, or credential of any kind.

THE APP IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY EXPRESSLY DISCLAIMS ANY AND ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, AND AVAILABILITY.

YOU ASSUME FULL RESPONSIBILITY FOR ANY DECISIONS, ACTIONS, OR OUTCOMES RESULTING FROM YOUR USE OF THE APP, INCLUDING ANY FINANCIAL, INVESTMENT, OR PURCHASING DECISION. IN NO EVENT SHALL THE COMPANY OR ITS AFFILIATES BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, CONSEQUENTIAL, SPECIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOST PROFITS, LOST SAVINGS, INVESTMENT LOSSES, LOST DATA, OR LOSS OF GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF THE APP.

IN ALL CASES, THE COMPANY'S MAXIMUM AGGREGATE LIABILITY SHALL NOT EXCEED THE TOTAL AMOUNT PAID BY YOU TO THE COMPANY FOR SERVICES DURING THE TWELVE (12) MONTH PERIOD IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.

Subscription Terms

The App offers optional paid subscriptions granting access to premium features. Subscription pricing, billing period, and included features are disclosed at the point of purchase. All subscription fees are charged in advance.

Automatic Renewal

Subscriptions renew automatically at the end of each billing period at the then-current price unless cancelled at least twenty-four (24) hours before the end of the current period. You authorize us, or the applicable app store, to charge your payment method on each renewal date until you cancel.

Cancellation

You may cancel at any time. Subscriptions purchased on the web may be cancelled through your account settings or the customer billing portal. Subscriptions purchased through the Apple App Store must be cancelled through your Apple ID subscription settings; we cannot cancel an app store subscription on your behalf. Cancellation takes effect at the end of the current billing period, and you retain access to premium features until that time.

Refunds

Except where required by applicable law, subscription fees are non-refundable, and no refunds or credits are provided for partial billing periods, unused periods, or features you did not use. Purchases made through the Apple App Store are subject to Apple's refund policies and must be requested directly from Apple.

Dissatisfaction with educational content, disagreement with any statement or figure in a lesson, failure to achieve a desired outcome, or temporary service interruptions do not entitle you to a refund.

Price Changes

We may change subscription pricing. Price changes apply to subsequent billing periods and will be communicated in advance as required by applicable law or app store policy. Continued use after a price change takes effect constitutes acceptance of the new price.

Free Trials

Where a free trial is offered, unless you cancel before the trial ends, the subscription converts automatically to a paid subscription and your payment method will be charged. Trial eligibility and duration are determined at our discretion.

The App may include virtual items and virtual currency, including coins, hints, streak protections, avatars, and similar items (collectively, "Virtual Items"). Virtual Items are licensed to you, not sold, and you receive only a limited, personal, non-transferable, revocable license to use them within the App.

Virtual Items have no monetary value, do not constitute real currency or property, and cannot be redeemed for cash, transferred, sold, traded, or exchanged outside the App. Virtual Items are non-refundable except where required by applicable law.

We may modify, manage, regulate, devalue, replace, or eliminate Virtual Items at any time, with or without notice. Virtual Items are forfeited upon termination or deletion of your account, and we have no liability for such forfeiture.

We may offer a referral program allowing you to earn rewards for referring new users. Referral rewards are discretionary, have no cash value, and are subject to eligibility rules that may change at any time.

Abuse of the referral program, including creating fraudulent or duplicate accounts, self-referral, automated referral generation, spam, or misrepresenting the App in order to obtain rewards, is prohibited and may result in forfeiture of rewards and termination of your account.

The App may display advertising, including to users on free plans. Advertisements are provided by third parties, and their appearance in the App does not constitute an endorsement, recommendation, or verification by the Company of any advertiser, product, or service.

Advertising may include financial products or services. The Company does not review, approve, or vouch for advertised offers, and is not responsible for any transaction you enter into with an advertiser. Any dealings with advertisers are solely between you and the advertiser.

You agree not to:

• Manipulate, exploit, or artificially inflate experience points, streaks, coins, leaderboard placement, or other progress metrics
• Use bots, scripts, automation, emulators, or modified clients to interact with the App
• Create multiple accounts to gain an advantage, evade limits, or abuse promotions
• Circumvent, disable, or interfere with security, payment, entitlement, or advertising features
• Reverse engineer, decompile, scrape, or extract the App's content, curriculum, or source code
• Reproduce, redistribute, resell, or publicly display App content, including lessons and questions
• Select a display name that is unlawful, obscene, harassing, impersonating, or that infringes another party's rights
• Use the App for any unlawful purpose or in violation of applicable law

We may reset progress, remove leaderboard placements, revoke Virtual Items, or suspend or terminate accounts that violate this section.

Certain information is visible to other users by design, including your display name, avatar, and progress metrics shown on leaderboards, leagues, and challenges. You are responsible for the display name and avatar you select.

You retain ownership of any content you submit. By submitting content, you grant the Company a limited, worldwide, non-exclusive, royalty-free license to host, store, reproduce, and display that content solely for the purpose of operating and providing the App to you and, where applicable, displaying public features as described above.

The Company does not guarantee uninterrupted access to the App or any specific feature, including paid or subscription-based features. The App may experience temporary outages, maintenance periods, or unavailability. We may add, modify, suspend, or discontinue features, content, or the App itself at any time.

You acknowledge that such interruptions or changes do not constitute a breach of this Agreement and do not entitle you to a refund except where required by applicable law.

We use trusted third-party service providers to operate, maintain, and improve the App. These providers may process personal data on our behalf for limited operational purposes, subject to contractual confidentiality and security obligations. Our service providers may include, without limitation:

• Cloud infrastructure and database providers (e.g., Supabase)
• Hosting and deployment providers (e.g., Vercel)
• Authentication providers (e.g., Google, Apple)
• Payment and subscription providers (e.g., Stripe, Apple, RevenueCat)
• Email and notification delivery providers (e.g., Resend, Expo)
• Analytics and advertising providers

These providers are authorized to process personal data only as necessary to perform services for us and are not permitted to use such data for their own purposes except as required by law or pursuant to their own privacy policies.

We collect account information, onboarding responses, lesson and quiz activity, progress metrics, usage data, and device information. Certain information is self-reported and has not been independently verified by the Company.

Data is used to operate App functionality, track progress, deliver social and gamified features, process subscriptions, improve performance, maintain security, prevent abuse, and support internal analytics. We do not sell personal data. Full details are set out in the Privacy Policy.

You may delete your account from within the App or by contacting support. Certain data may be retained where legally required or necessary for security, fraud prevention, and compliance purposes.

If you download the App from a third-party app store or distribution platform (each, a "Distributor"), you acknowledge that this Agreement is between you and the Company only, and not with the Distributor. The Distributor is not responsible for the App or its content.

Your use of the App must comply with the Distributor's applicable terms of service. The Distributor has no obligation to furnish maintenance or support for the App. To the maximum extent permitted by law, the Distributor has no warranty obligation with respect to the App and is not responsible for any claims relating to the App, including product liability claims, claims of non-conformity with legal requirements, or claims arising under consumer protection or similar legislation.

You represent that you are not located in a country subject to a United States government embargo or designated as a "terrorist supporting" country, and that you are not listed on any United States government list of prohibited or restricted parties.

Apple Inc. and its subsidiaries are third-party beneficiaries of this Agreement with respect to the iOS application, and upon your acceptance of these Terms, Apple has the right to enforce this Agreement against you as a third-party beneficiary.

We may update these Terms from time to time. Continued use of the App after updates constitutes acceptance of the revised Agreement. We will make reasonable efforts to notify you of material changes.

THIS AGREEMENT SHALL BE GOVERNED BY AND CONSTRUED IN ACCORDANCE WITH THE LAWS OF THE STATE OF FLORIDA, WITHOUT REGARD TO ANY CONFLICT-OF-LAW PRINCIPLES OR RULES THAT WOULD RESULT IN THE APPLICATION OF THE LAWS OF ANY OTHER JURISDICTION.

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

Any dispute, claim, or controversy arising out of or relating to this Agreement, the App, or your use of the App shall be resolved exclusively through final and binding arbitration, rather than in court, except that you may assert claims in small claims court if eligible.

Arbitration shall be conducted on an individual basis and not as a class, collective, consolidated, or representative action. You expressly waive any right to participate in a class action lawsuit, class arbitration, or representative proceeding against the Company.

The arbitration shall be administered by a recognized arbitration provider in the United States under its applicable rules. The arbitrator shall have exclusive authority to resolve any dispute relating to the interpretation, applicability, or enforceability of this arbitration agreement. Each party shall bear its own costs unless otherwise required by applicable law. This arbitration provision shall survive termination of your account.

You agree to indemnify, defend, and hold harmless the Company and its respective officers, members, managers, employees, contractors, affiliates, licensors, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your access to or use of the App
• Your reliance on any educational content, figure, or calculation provided by the App
• Any financial, investment, tax, or purchasing decision you make
• Your violation of these Terms or any applicable law
• Your lack of legal capacity or eligibility to use the App
• Any claim by a third party arising from your use of the App or breach of these Terms

This indemnification obligation shall survive termination of your account.

All content, curriculum, lessons, questions, software, algorithms, designs, artwork, branding, and materials provided through the App are owned by the Company or its licensors and are protected by intellectual property laws. You are granted a limited, non-exclusive, non-transferable, revocable license to use the App for personal, non-commercial purposes only.

You may not reproduce, distribute, publicly display, sublicense, sell, or create derivative works from App content, including using App content to train machine learning models, without our prior written consent.

We reserve the right to suspend or terminate your access to the App at any time, with or without notice, for any reason, including violation of these Terms or misuse of the App. Upon termination, your license to use the App ends immediately and any Virtual Items are forfeited.

If any provision of this Agreement is found to be invalid or unenforceable, the remaining provisions shall remain in full force and effect.

Sections relating to limitation of liability, arbitration, indemnification, intellectual property, virtual items, and disclaimers shall survive termination of this Agreement.

For questions or requests related to these Terms, please contact: hello@klugoapp.com

Klugo App, LLC
7901 4th St N, STE 300
St. Petersburg, FL 33702
United States