Money Flux

1. Summary

2. Who We Are, and When We Are a Controller

The Developer is Taras Chernysh, an independent developer established in Ukraine. Contact details are in section 20.

We act as a data controller for four narrow things: the subscription record held at RevenueCat, the per-device record and operational logs at our AI relay, an AI assistant request while it is in transit through that relay, and any support email you choose to send us.

We are not a controller of the ledger you build inside the App. Those records live in your device's storage and, through Apple's CloudKit, in your own private iCloud account. Apple processes that under its own relationship with you, and we have no access to it.

Where the EU or UK GDPR applies, the legal bases we rely on are:

3. What We Never Receive

None of the following is collected, transmitted, sold, rented, or otherwise processed by us:

• Your name, email address, phone number, or postal address
• Your bank credentials, card numbers, or banking logins (the App never asks for them and cannot connect to a bank)
• Your individual transactions, balances, account numbers or IBANs, categories, accounts, loans, recurring payments, notes, or tags
• The bank statement files (CSV/PDF) that you import
• Your contacts, photos, microphone, or location
• Your advertising identifier (IDFA) — there is no App Tracking Transparency prompt because there is nothing to track
• Usage analytics, behavioural events, session recordings, or crash telemetry sent to us

Two third-party libraries ship inside the App. Factory is dependency-injection plumbing: it opens no connections and touches no user data. RevenueCat handles subscriptions and is described in section 8. Everything else the App sends, it sends over code we wrote, from one directory of the source tree, to one address — our AI relay. There is no advertising, attribution or analytics SDK of any kind.

MoneyFlux's App Store privacy information ("App Privacy" on its App Store product page) declares four types — Purchase History, Device ID, Other Financial Info and Other User Content — each marked linked to you, each for App Functionality, and none for Tracking. The first two describe the subscription. The last two describe the AI assistant and apply only once you have switched it on. They are declared as linked because we can look a subscription up by the identifier involved — not because we hold your name, which we do not. The label and this Policy describe the same thing.

4. Data You Create Inside the App

All content you create or import — accounts, transactions, categories, budgets, recurring payments, loans, capital, positions, tags, notes, and imported bank statements — is stored locally on your device in an app-private database (Apple Core Data).

Bank statement files that you import are parsed on your device. MoneyFlux currently reads PrivatBank and MonoBank CSV statements, and Oschadbank, Scotiabank, Raiffeisen Bank and A-Bank PDF statements, as well as a CSV format for trading positions. You export the file from your bank yourself and pick it with the system file picker; the App never connects to a bank and never asks for a banking login. The file contents are not uploaded anywhere. Once parsing is finished, MoneyFlux keeps only the records you chose to import.

You remain the sole owner and controller of this data at all times.

5. Files You Export

MoneyFlux can produce a per-dataset CSV, a multi-page PDF statement, and a full JSON backup you can restore from. All three are generated on your device and handed to the system share sheet.

We receive no copy of any of them. Once you send an export to Files, Mail, a messaging app, or any other service, it is outside the App's protection and governed by whatever you sent it to. A JSON backup contains your complete ledger in readable form — keep it as carefully as you would keep a bank statement.

6. iCloud Sync

MoneyFlux uses Apple's CloudKit private database to synchronise your data between your own Apple devices.

• Data is stored in your personal iCloud account, not in any account or infrastructure belonging to the Developer.
• The Developer has no access to your iCloud container, and cannot read, export, or restore your data.
• Sync is handled entirely by Apple's frameworks and is governed by Apple's privacy practices. See Apple's Privacy Policy: https://www.apple.com/legal/privacy/
• MoneyFlux follows your Apple Account's iCloud setting. To stop the App syncing, turn it off in Settings → your Apple Account → iCloud → Saved to iCloud → MoneyFlux on iPhone or iPad, or in System Settings → your Apple Account → iCloud on a Mac. The App itself has no separate switch.

7. Device Permissions and System Features

MoneyFlux may use the following, always with your consent:

You can revoke any of these permissions at any time in your device's Settings.

8. Subscriptions and Payments

MoneyFlux is free to download. Some features are part of MoneyFlux Premium, an auto-renewing subscription offered monthly and annually. Apple takes the payment through the App Store. We never see or store your payment card details.

RevenueCat, Inc. (United States) is our processor for subscription state. It receives:

• the App Store transaction (receipt) for a purchase;
• an anonymous app user identifier that the RevenueCat SDK generates for your installation — we never call its login method, so this identifier carries no email address, no name and no Apple Account ID;
• a device-scoped identifier that the SDK sends by default.

It does not receive a transaction of yours, a balance, an account, a statement, or anything you typed into the App.

This exists so that the App — and our AI relay — can tell whether your subscription is active. Every RevenueCat dashboard integration is switched off: no data is forwarded from RevenueCat to any analytics, attribution or advertising service, and no webhook of ours receives it. See RevenueCat's privacy policy: https://www.revenuecat.com/privacy/. Transfers to the United States are covered in section 11.

9. The AI Assistant

9.1 What it is, and where it runs

The AI assistant is an optional Premium feature available on three screens — Analytics, Positions and Commitments. It answers questions in words, using figures your device has already calculated. The model is not permitted to produce a number of its own; it is handed a summary and writes the sentence.

It requires Apple's App Attest hardware, so it runs on iPhone and iPad only — not in the Mac (Catalyst) build and not in the Simulator.

9.2 It is off until you turn it on

No request is made before you have seen a screen naming OpenAI and tapped Allow and continue. You can switch it back off at Settings → AI Assistant → "Allow sending summaries", and the App stops sending immediately. Withdrawing consent does not affect processing that already took place, and nothing else in the App stops working — every other screen behaves exactly as it did before.

9.3 Exactly what is sent

One summary, for the screen you asked from, together with the question you typed (capped at 300 characters), a single language code, and a single currency code. The App refuses to send two currencies in one request, because nothing downstream may add them together.

From Analytics (spending): the period label; income, expenses, net and the transaction count; the same four figures for the previous period; category names with amount and share; top merchant names with amount and visit count; weekday averages; and recurring payment names with amount and next date.

From Positions: a label describing the slice on screen; counts of visible, funded, watching, liquidated and stalled positions; a summary total; and, for each trader, their name, their signal, closed and stalled counts, win rates, what they claimed, what their own quoted prices imply, and what your money actually did.

From Commitments: monthly and annual recurring totals; amounts still outstanding lent and borrowed; active subscription and loan counts; what falls due next (name, amount, date); and what is overdue (amount, date, days overdue, and whether it is lent or borrowed).

9.4 What is never sent

• An individual transaction
• An account number or IBAN, or a balance
• A bank name, or any statement file
• The name of anyone you have lent to or borrowed from — this is deliberately left out of the payload; the amount and the age identify the loan instead
• Your name, email address or postal address
• Your location, or your advertising identifier

9.5 Who processes it, in order

1. Your device computes the figures and signs the request with a key held in its Secure Enclave.
2. Our relay, which runs on Cloudflare Workers, checks that signature, checks your subscription with RevenueCat, applies a monthly limit, then forwards the summary to OpenAI and passes the answer back. It stores no request and no answer. What it does keep, per device, is: the attestation public key, a counter that stops a request being replayed, the anonymous subscription identifier, and a tally of how many requests you have made this month. Its operational log records which screen was asked about, token counts, whether a question was present, and the first eight characters of the key handle — never the figures, the question, or the answer.
3. OpenAI writes the sentence, from a prompt our relay builds. The App never chooses a model; the model is pinned on our side, and the endpoint accepts data, not prompts.

The relay exists for one reason: an OpenAI key that ships inside an app can be extracted from the binary by anyone who downloads it. Holding the key on a server is what keeps it out of the App.

9.6 How long it is kept

Our relay keeps no request content at any point. The per-device record persists for as long as the installation does; section 15 explains how to have it deleted. Operational logs are retained by Cloudflare for a short operational window under their own policy.

OpenAI does not use inputs or outputs from this API to train any model. They are retained for up to 30 days for abuse monitoring, and then deleted.

We have not yet contracted Zero Data Retention with OpenAI. Until we do, that 30-day abuse-monitoring window is the accurate statement, and we would rather publish it than a flattering one. When Zero Data Retention is in place this paragraph will say that inputs are not retained at all, and the change will be dated on this page.

9.7 Where it goes

Our relay runs on Cloudflare's global edge network. OpenAI processes in the United States. See section 11.

9.8 What it cannot do

The assistant observes; it does not advise. It is instructed never to calculate, never to convert a currency, never to value, forecast or recommend anything — and a question asking for any of those is answered as out of scope.

Those instructions constrain it; they do not guarantee it. An answer can still be incomplete or mistaken. It is not financial, investment, tax, accounting or legal advice, and you should check anything you intend to act on against your own records. See section 2.1 of the Terms of Use.

9.9 Limits

Up to 50 requests per device per month, and an overall daily spending ceiling across all users. When either is reached, the assistant answers that it is unavailable. These limits exist to keep a public endpoint from being drained — not to profile you.

10. Sub-processors and Recipients

These are every company that processes anything on our behalf. The list is exhaustive as of the date at the top of this page.

Adding a new sub-processor means a new version of this page, dated — and, if it widens what leaves your device, a fresh consent screen in the App.

11. International Transfers

The Developer is established in Ukraine. Where the EU or UK GDPR applies to you, it applies to us under Article 3(2).

Transfers outside the EEA and the UK take place for two things: your subscription record, which goes to RevenueCat in the United States, and — only if you enabled the assistant — an assistant request, which goes to OpenAI in the United States. Our relay runs on Cloudflare's global edge network, so a request may be handled at a location near you.

These transfers are made under each provider's data processing terms. Any transfer performed by Apple as part of iCloud sync is governed by Apple's own terms and its relationship with you.

12. How Long Things Are Kept

13. Security

On your device, your data is protected by the operating system's application sandbox and, when your device is locked with a passcode, by full-device encryption. iCloud data is encrypted in transit and at rest by Apple, in your account. You can enable an additional Face ID, Touch ID, Optic ID or passcode lock inside MoneyFlux; it is off by default.

For the AI relay: every request is signed by a key held in your device's Secure Enclave and verified against Apple, so a request from anything other than a genuine, unmodified build is refused. The OpenAI key lives only in the relay's secret store and never ships inside the App. Figures, questions and answers are excluded from logging by design. Per-device and global rate limits cap abuse.

There is no database of MoneyFlux users' financial records anywhere outside your own devices and your own iCloud — the relay holds counters and keys, not ledgers. No system is perfectly secure, however, and you are responsible for keeping your device and Apple Account secure.

Where a personal data breach is likely to result in a risk to your rights and freedoms, we will notify the competent supervisory authority within 72 hours of becoming aware of it and, where the law requires it, affected users. Because we hold no email addresses, notice to users is given in the App's release notes and on this page.

14. Children

MoneyFlux is not directed at children under 13, or under 16 where local law sets that age for consent-based processing. The AI assistant additionally requires a paid subscription, and therefore an Apple Account able to transact.

We have no way to verify age and do not knowingly process a child's personal data. If you believe a child has used the assistant, email us and we will delete the relay's per-device record.

15. Your Rights

15.1 General rights (all users)

Privacy laws such as the EU and UK GDPR, the Law of Ukraine "On Personal Data Protection", Canada's PIPEDA, and the CCPA/CPRA grant rights of access, correction, deletion, portability, objection, and withdrawal of consent. With MoneyFlux those rights split in two.

Rights you exercise yourself, on the device. Your ledger is in your hands, not ours, so access, correction, export and erasure are immediate and need no request to us:

• Access and portability — every record is visible in the App, and you can export CSV, PDF or a full JSON backup at any time.
• Correction — edit or delete any record inside the App.
• Erasure — delete individual records, or use Settings to erase everything on the device and in iCloud; then delete the App; then, if you wish, remove its iCloud data in Settings → your Apple Account → iCloud → Manage Account Storage → MoneyFlux → Delete Data.
• Withdrawal of consent — switch the AI assistant off at Settings → AI Assistant, and stop using optional features such as notifications at any time.

Rights you exercise against us. We hold three things, and you can ask us about any of them: the subscription record at RevenueCat, the per-device record and operational logs at our AI relay, and any support email you sent us. Email us at the address in section 20 and tell us which right you want to exercise.

One practical limitation, stated plainly: the relay's per-device record is keyed by an attestation identifier that the App does not currently display, so we cannot locate it from an email address alone. Tell us your subscription's purchase date and App Store country and we will locate and delete the subscription record, and the device record bound to it. We are working on a way for the App to delete the device record directly when you withdraw consent.

15.2 European Economic Area and UK users (GDPR)

The controller is Taras Chernysh, Ukraine, contactable at the address in section 20. The legal bases we rely on are set out in section 2.

You have the rights of access, rectification, erasure, restriction of processing, objection, and data portability, and the right to withdraw your consent to the AI assistant at any time — withdrawal does not affect the lawfulness of processing carried out before it.

No decision producing legal effects concerning you, or similarly significantly affecting you, is made by automated means. The assistant writes sentences; it changes nothing in your records and decides nothing about you.

You may lodge a complaint with your local supervisory authority, with the UK Information Commissioner's Office, or with the Ukrainian Parliament Commissioner for Human Rights.

15.3 California users (CCPA/CPRA)

In the preceding twelve months we have collected the following categories of personal information:

• Identifiers — an anonymous app user identifier, a device-scoped identifier, and an attestation key identifier.
• Commercial information — your subscription purchase history.
• Only if you enabled the AI assistant: other financial information (the aggregated totals described in section 9.3) and user content (the question you typed).

We collect these to provide the subscription and the assistant, and to prevent abuse of our relay. The sources are you and your device. We disclose them only to the sub-processors named in section 10.

We do not sell personal information, do not share personal information for cross-context behavioural advertising, do not use sensitive personal information to infer characteristics, do not offer financial incentives, and do not discriminate against users for exercising applicable privacy rights.

To submit a request, email chernyshtar@gmail.com with the subject line "CCPA Privacy Request". We aim to respond within 45 days, extendable as the law allows.

15.4 Turkish users (KVKK)

Under Turkey's KVKK you may learn whether your personal data is processed, request information about the purposes of processing, learn the recipients, and request correction or deletion.

Sections 2, 10 and 12 answer the first three of those in advance. For correction or deletion, email us at the address in section 20 and we will honour the request to the extent applicable.

15.5 Canadian users (PIPEDA)

If PIPEDA applies to you, you may request access to, correction of, or deletion of personal information we hold — that is, the three items listed in section 15.1. Where a breach creates a real risk of significant harm, we will report it as PIPEDA requires. Contact details are in section 20.

16. Support Email and Diagnostics

When you use Settings → Support, the App opens your mail app with a pre-filled message. You send it; the App transmits nothing on its own.

The pre-filled block contains the App's version and build number, your device model identifier (for example iPhone17,1), your operating system version, your language code and your device's locale currency. That is a machine-readable diagnostic, not an identifier of you — and you can delete those lines before sending if you would rather not include them. Anything else in the email is whatever you chose to write.

Support emails are kept in the Developer's mailbox for up to 24 months.

17. App Store and Apple

MoneyFlux is distributed through the Apple App Store. Apple may collect information related to your download, device, and — if you have opted in to sharing analytics with developers — aggregated, anonymised crash and usage statistics. This collection is performed by Apple under Apple's own terms, not by us. Any such reports we may view in App Store Connect are aggregated and cannot be used to identify you or to see your financial data.

If you use the AI assistant, its App Attest attestation is verified against Apple's servers. Apple sees that a device attested — not what you asked.

18. Changes to This Policy

We may update this Privacy Policy from time to time — for example, if new features change how data is handled. The updated version will be posted on this page with a revised "Last updated" date, and material changes will additionally be announced in the App's release notes.

A material change that widens what leaves your device takes effect only after you have been shown a fresh consent screen in the App. This version replaces the version dated August 20, 2026.

19. Governing Law and Jurisdiction

This Privacy Policy is governed by the laws of Ukraine, and disputes relating to this Policy are subject to the jurisdiction of the courts of Ukraine.

If you reside in a jurisdiction with non-waivable privacy rights (including under GDPR, CCPA/CPRA, KVKK, PIPEDA, or other applicable law), nothing in this section limits those mandatory rights.

20. Contact and Support

This is the support and contact point for MoneyFlux — for questions about this Privacy Policy, about the App's data practices, or for help with the App itself. The Developer, not Apple, is solely responsible for support.

Taras Chernysh

Independent developer, Ukraine

Email: chernyshtar@gmail.com

For privacy rights requests, please email us with a clear subject line such as "Privacy Rights Request" and include:

• your country or state of residence;
• the specific right you want to exercise (for example: access, correction, deletion, objection, restriction, or portability);
• if your request concerns the subscription or the AI assistant, the purchase date and App Store country of your subscription, so that we can locate the record.

We aim to respond to all enquiries within 30 days, or within the timeframes required by applicable law.

1. Licence

Subject to your compliance with these Terms and with Apple's Licensed Application End User License Agreement, we grant you a personal, limited, non-exclusive, non-transferable, revocable licence to install and use MoneyFlux on Apple-branded devices that you own or control, for your own personal, non-commercial use.

This licence is subject to the Usage Rules set out in Apple's Media Services Terms and Conditions. The App may also be accessed and used by other accounts associated with you through Family Sharing or volume purchasing, where Apple makes those features available.

2. What MoneyFlux Is — and What It Is Not

MoneyFlux is a personal bookkeeping and record-keeping tool. It helps you record accounts, transactions, budgets, recurring payments, and loans, and to import bank statement files that you provide yourself.

MoneyFlux is not:

• a bank, payment institution, money transmitter, or financial services provider;
• a source of financial, investment, tax, accounting, or legal advice;
• connected to your bank — the App cannot access your bank accounts, initiate payments, or move money;
• an authoritative record of your finances;
• a source of AI-generated financial analysis you can rely on.

Always verify balances and transactions with your bank or financial institution. Any decision you make on the basis of information shown in the App is your own responsibility. Imported and calculated figures may contain errors, particularly where a bank changes its statement format.

2.1 The AI assistant's answers

Answers from the optional AI assistant are produced by a third-party language model from a summary of figures your device calculated. The model is instructed never to calculate, never to convert a currency, never to forecast, value anything, or recommend an action, and to refuse questions that ask for any of those.

Those instructions constrain it; they do not guarantee it. A generated answer may be incomplete, mistaken, or state something that your records do not support. Treat every answer as a draft observation about figures you can already see for yourself — not as a finding.

The assistant is not financial, investment, tax, accounting, or legal advice, and nothing it writes is a recommendation to buy, sell, follow, stop following, hold, or pay anything. Verify anything you act on against your own records and your bank. Any decision you take is your own.

Availability of the assistant depends on third-party services and is subject to usage limits. What it sends, and to whom, is described in section 9 of the Privacy Policy.

3. Your Responsibilities

You agree to:

• use the App only for lawful purposes and in compliance with applicable law;
• import only statements and financial data that you are entitled to access;
• maintain the security of your device and your Apple Account;
• keep your own backups of important data (see Section 6);
• not reverse-engineer, decompile, or disassemble the App except to the extent this restriction is prohibited by applicable law;
• not attempt to circumvent any technical limitation, resell, sublicense, rent, or redistribute the App;
• not use the App to build a competing product or to extract its source data structures for commercial purposes.

3.1 Using the AI assistant

If you switch the AI assistant on, you additionally agree to:

• use it only through MoneyFlux, and only for your own personal records;
• not call, script, automate, load-test, or reverse-engineer the service the App connects to, not attempt to obtain credentials from it, and not attempt to use it as a general-purpose text or code generator;
• not submit content that is unlawful, that infringes anyone's rights, or that contains another person's personal data;
• not attempt to circumvent the assistant's instructions, its safety constraints, or its usage limits — including by means of instructions embedded in text you import;
• comply with OpenAI's usage policies, which apply to everything sent through the assistant: https://openai.com/policies/usage-policies.

Access is limited per device per month and by an overall ceiling. We may throttle, suspend, or withdraw assistant access — for one device or for everyone — where there is abuse, excessive cost, a security concern, or a third-party outage, with or without notice. Doing so does not entitle you to a refund of the subscription, which covers the App's other Premium features as well.

4. Your Data

MoneyFlux stores your data on your device and, through Apple's CloudKit, in your own private Apple iCloud account. You retain all rights to the content you create in the App.

We do not receive your ledger. Two things do leave the App: your subscription receipt, and — only if you switch the AI assistant on — a summary of figures your device has calculated. Both are described in our Privacy Policy.

How data is handled is described in our Privacy Policy, which forms part of these Terms.

5. Bank Statement Import

The App can parse statement files from certain financial institutions — currently PrivatBank and MonoBank CSV statements, and Oschadbank, Scotiabank, Raiffeisen Bank and A-Bank PDF statements — as well as a CSV format for trading positions. These parsers are provided as-is and are not endorsed by, affiliated with, or supported by those institutions. Banks may change their file formats at any time, which may cause import to fail or to produce incorrect results. You are responsible for reviewing imported transactions before relying on them.

All bank names, logos, and trademarks referenced in the App belong to their respective owners and are used solely for identification purposes.

6. Backups and Data Loss

You are solely responsible for backing up your data. The Developer is not responsible for any loss or corruption of data, whether caused by device failure, loss or theft of a device, deletion of the App, iCloud errors or outages, operating-system updates, or defects in the App. We strongly recommend keeping a device backup and, where the App offers export functionality, exporting your data periodically.

7. Price and Availability

MoneyFlux is free to download, and the core ledger is free to use. Some features are part of MoneyFlux Premium, a single subscription group offering two auto-renewing options:

• Monthly — USD 4.99, renewing every month;
• Annual — USD 29.99, renewing every year, with a 7-day free trial.

The prices above are US App Store prices. Your local price and currency are shown by the App Store before you buy and may differ.

• Payment is charged to your Apple Account at confirmation of purchase.
• The subscription renews automatically at the same price and period unless you cancel at least 24 hours before the end of the current period. Your account is charged for renewal within 24 hours prior to the end of the current period.
• Manage or cancel your subscription in your Apple Account settings (Settings → your name → Subscriptions). Deleting the App does not cancel the subscription.
• If you take the free trial and then subscribe, any unused portion of the trial is forfeited where Apple's rules so provide.

If a subscription lapses, you keep read access to everything you have already created, export remains available to anyone who has ever subscribed, and restoring a JSON backup is never gated.

We may change prices, or the contents of Premium, for future periods. A price change takes effect only after the notice and consent that Apple requires. Features you already have will not be removed retroactively without notice.

The Developer does not process payments and cannot issue refunds. Refund requests must be made to Apple at https://support.apple.com/billing.

8. Updates, Changes, and Discontinuation

We may modify, suspend, or discontinue the App or any of its features at any time, with or without notice. We may release updates that change functionality. We are not obliged to provide support, maintenance, or updates for any particular period. This includes the AI assistant, which depends on third-party services and may be limited, interrupted, or withdrawn; its availability is not part of what a subscription guarantees.

9. Intellectual Property

The App, including its source code, design, user interface, graphics, and name, is owned by the Developer and protected by copyright and other intellectual-property laws. Except for the licence granted in Section 1, no rights are transferred to you. Third-party open-source components included in the App remain subject to their own licences.

10. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT CALCULATIONS, IMPORTS, OR CATEGORISATIONS WILL BE ACCURATE OR COMPLETE.

Some jurisdictions do not allow the exclusion of implied warranties, so some of the above may not apply to you. Nothing in these Terms limits consumer rights that cannot be waived under the law of your country of residence.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE DEVELOPER SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR FINANCIAL LOSS ARISING OUT OF OR RELATING TO YOUR USE OF, OR INABILITY TO USE, THE APP — INCLUDING LOSSES RESULTING FROM FINANCIAL DECISIONS MADE IN RELIANCE ON THE APP.

TO THE EXTENT LIABILITY CANNOT BE EXCLUDED, THE DEVELOPER'S TOTAL AGGREGATE LIABILITY SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL AMOUNTS YOU PAID FOR THE APP AND ANY MONEYFLUX SUBSCRIPTION IN THE TWELVE MONTHS PRECEDING THE CLAIM, OR (B) USD 50.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so parts of the above may not apply to you. Nothing in this section excludes or limits liability for death or personal injury caused by negligence, for fraud, for any liability that cannot be excluded or limited under applicable data protection law, or for any other liability that cannot be excluded under the law of your country of residence, and nothing here limits consumer rights that cannot be waived under that law.

12. Indemnity

You agree to indemnify and hold harmless the Developer from any claims, damages, liabilities, and expenses (including reasonable legal fees) arising out of your misuse of the App or your breach of these Terms or of applicable law.

13. Apple-Specific Terms

You acknowledge that:

• these Terms are concluded between you and the Developer only, not with Apple, and Apple is not responsible for the App or its content;
• your licence to use the App is non-transferable, is limited to use on Apple-branded products that you own or control, and is subject to the Usage Rules set out in Apple's Media Services Terms and Conditions;
• Apple has no obligation to furnish any maintenance or support services for the App;
• the Developer, not Apple, is solely responsible for providing any maintenance and support for the App. Support requests should be sent to chernyshtar@gmail.com;
• in the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple may refund the purchase price (if any); to the maximum extent permitted by law, Apple has no other warranty obligation whatsoever with respect to the App;
• Apple is not responsible for addressing any claims by you or a third party relating to the App, including product-liability, regulatory-compliance, or consumer-protection claims;
• in the event of a third-party claim that the App infringes intellectual property rights, the Developer, not Apple, is solely responsible for the investigation, defence, settlement, and discharge of that claim;
• you represent that you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and are not on any U.S. Government list of prohibited or restricted parties;
• you must comply with any applicable third-party terms of agreement when using the App;
• Apple and its subsidiaries are third-party beneficiaries of these Terms and, upon your acceptance, will have the right to enforce these Terms against you.

14. Termination

These Terms remain in effect until terminated. Your licence terminates automatically if you breach these Terms. You may terminate at any time by deleting the App from your devices. Sections 4, 6, and 9–13 survive termination.

15. Governing Law

These Terms are governed by the laws of Ukraine, without regard to conflict-of-law principles. If you are a consumer residing in the European Union, the United Kingdom, or another jurisdiction with mandatory consumer-protection rules, you retain the protection of the mandatory provisions of the law of your country of residence.

16. Changes to These Terms

We may update these Terms from time to time. The revised version will be posted on this page with a new "Last updated" date. Your continued use of the App after the changes take effect constitutes acceptance of the revised Terms. If you do not agree, stop using the App and delete it.

17. Severability and Entire Agreement

If any provision of these Terms is found unenforceable, the remaining provisions remain in full force. These Terms, together with the Privacy Policy and Apple's Licensed Application End User Licence Agreement, constitute the entire agreement between you and the Developer regarding the App.

18. Contact

Taras Chernysh

Independent developer, Ukraine

Email: chernyshtar@gmail.com