Terms of Use

Eligibility

You must be at least 13 to use the service. If you are in the EEA, UK, or Switzerland, you must be at least 16 unless a parent or guardian authorizes your use where local law allows. If you use the service for an organization, you confirm that you may bind it to these Terms.

License and Apple terms

We grant you a personal, limited, non-exclusive, non-transferable, revocable license to use the app for lawful personal or internal educational purposes.

The app is licensed, not sold. Apple's Standard End User License Agreement at https://www.apple.com/legal/internet-services/itunes/dev/stdeula/ applies to the iOS app. These Terms supplement that agreement; if they conflict, the Apple agreement controls to the extent required. Apple is not responsible for providing maintenance or support for the service.

Your content

You keep ownership of notes, images, decks, and other content you provide. You give us and our processors a limited license to host, copy, transmit, adapt, and process that content only as needed to provide, secure, and support the feature you requested.

You confirm that you have the rights and permissions needed for content you upload. Do not upload confidential, illegal, infringing, sexually exploitative, malicious, or regulated information unless you are authorized and the service is appropriate for it.

AI-generated content

AI-generated decks can contain mistakes, omissions, or fabricated information. Review cards against reliable source material before relying on them. The service is a study aid and does not provide medical, legal, financial, safety-critical, or other professional advice.

Similar outputs may be generated for different users. To the extent permitted by law, you may use generated cards for your lawful purposes, subject to third-party rights in your source material.

Acceptable use

• Do not break the law, infringe rights, or upload content you are not allowed to process.
• Do not reverse engineer, scrape, probe, overload, bypass quotas or payment controls, distribute malware, or interfere with the service.
• Do not use the service to exploit children, facilitate cheating where prohibited, impersonate others, or generate deceptive or harmful content.
• Do not resell or provide the service to others unless we agree in writing.

Subscriptions, ads, and charges

Some features require a paid, auto-renewing Pro subscription. The price, billing period, included features, and renewal terms shown before purchase are part of these Terms. Apple handles payment, renewal, cancellation, and refunds. See the Subscription Terms for details.

Free features may offer optional rewarded ads. You are never required to enable tracking to access purchased content. Ad availability and rewards can vary by region, device, and network conditions.

Availability and changes

We may improve, change, suspend, or discontinue features and may impose reasonable limits to protect the service. We will provide notice when required by law. Online and AI features depend on third-party networks and providers and may occasionally be unavailable.

Suspension and termination

You may stop using the service at any time and delete local data in the app. We may restrict or terminate access for serious or repeated violations, security threats, fraud, non-payment, or legal requirements. Terms that by nature should survive will continue, including ownership, disclaimers, and liability limits.

Disclaimers

To the maximum extent allowed by law, the service is provided “as is” and “as available.” We do not promise uninterrupted operation, error-free AI output, a particular study result, or compatibility with every device. Nothing in these Terms excludes warranties or rights that cannot lawfully be excluded.

Liability

To the maximum extent allowed by law, we are not liable for indirect, incidental, special, consequential, or punitive damages, lost data, lost profits, or reliance on AI-generated content. Our aggregate liability relating to the service will not exceed the greater of the amount you paid us through the App Store during the prior 12 months or USD 50.

These limits do not apply where prohibited, including liability that cannot be limited for fraud, willful misconduct, death or personal injury, or mandatory consumer rights.

Governing terms and disputes

The laws of the Netherlands govern these Terms, excluding conflict-of-law rules. Courts there have jurisdiction, except that consumers may use any mandatory protections and courts available in their country of residence. Nothing here limits rights under applicable U.S. state, EU, UK, or other consumer law.

Before filing a claim, please contact us so we can try to resolve it informally. This section does not prevent either party from seeking urgent injunctive relief or using a regulator or small-claims process where available.

Changes and contact

We may update these Terms prospectively. If a material change requires consent, we will request it. The Privacy Policy is available at https://pyronix-moneyflow.com/privacy and Subscription Terms at https://pyronix-moneyflow.com/subscription-terms. Questions or notices may be sent to support@pyronix-moneyflow.com.