CAFI — Terms & Conditions

These Terms & Conditions (“Terms”) govern your use of the CAFI mobile application (the “App”). By downloading, installing, accessing, or using the App, you agree to be bound by these Terms. If you do not agree to these Terms, you must not use the App.

1. About the App

CAFI is your all-in-one financial management app, designed to help you track expenses, manage budgets, generate invoices, and accept payments with ease. The App may offer both a free tier and optional paid subscriptions or one‑time purchases for additional features.

2. Eligibility & Accounts

You must be at least 13 years old, or the minimum age required in your country, to use the App.
You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
You agree to provide accurate and up‑to‑date information when creating or updating your account.

3. License & Acceptable Use

We grant you a limited, non‑exclusive, non‑transferable, revocable license to install and use the App on a device that you own or control, solely for your personal, non‑commercial use and strictly in accordance with these Terms and applicable app store rules.

You agree that you will not:

Copy, modify, or create derivative works of the App.
Attempt to reverse engineer, decompile, or extract the source code.
Use the App for any illegal, harmful, or fraudulent activity.
Infringe our intellectual property rights or those of any third party.

5. Subscriptions, Purchases & Billing

The App may offer in‑app purchases or subscriptions (for example, to remove ads or unlock premium features). Billing and management of subscriptions are generally handled by the platform (Google Play / App Store) and/or a subscription provider (such as RevenueCat).

Prices, billing periods, and trial terms are shown in the store.
You can manage or cancel subscriptions via your app store account settings, subject to the store’s policies.
Except where required by law or store policy, payments are generally non‑refundable once processed.

6. Advertising

The free tier of CAFI may display third‑party advertisements. For details on how ad partners collect and use data, please see our Privacy Policy and the privacy policies of the relevant ad networks.

7. Third‑Party Services & SDKs

The App integrates official third‑party SDKs and services (e.g., Stripe, Supabase, authentication providers, and analytics) to provide authentication, data storage, analytics, subscriptions, and payment processing. Your use of the App is also subject to the applicable third‑party terms and policies.

8. Connectivity & Device Responsibility

Some features require an active internet connection. You are responsible for any data charges imposed by your mobile carrier or internet provider.
You are responsible for keeping your device secure, charged, and functioning properly. We are not liable if the App cannot be used due to device or connectivity issues.

9. Intellectual Property

All rights, title, and interest in and to the App (including but not limited to software, design, graphics, trademarks, logos, and content) are owned by the developer or its licensors. These rights are protected by copyright, trademark, and other laws. You receive no ownership rights in the App under these Terms.

10. Termination

We may suspend or terminate your access to the App at any time, with or without notice, if we reasonably believe you have violated these Terms or used the App in a harmful or unlawful way. Upon termination, your right to use the App will end, and you should delete the App from your devices.

11. Disclaimer of Warranties

The App is provided on an “AS IS” and “AS AVAILABLE” basis without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non‑infringement. We do not warrant that the App will be error‑free, uninterrupted, secure, or that any defects will be corrected.

12. Limitation of Liability

To the maximum extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of data, revenue, or profits, arising out of or related to your use of (or inability to use) the App, even if we have been advised of the possibility of such damages.

13. Changes to These Terms

We may update these Terms from time to time. When we do, we will update the “effective date” below. Your continued use of the App after changes have been published means that you accept the revised Terms.

Effective date: 2025-12-23

14. Contact Us

If you have any questions or suggestions about these Terms & Conditions, please contact us:

Email: support@calabash.app