Terms of Service

Last updated: August 5, 2026

These Terms of Service (“Terms”) govern your use of the mobile applications published by Nicolas Petrides (“we”, “us”, the “Apps”). By downloading or using any of our Apps, you agree to these Terms. If you do not agree, please do not use the Apps.

1. License

We grant you a personal, limited, non-exclusive, non-transferable, revocable license to use our Apps on Apple-branded devices you own or control, in accordance with the Apple App Store Terms of Service and these Terms. We reserve all rights not expressly granted to you.

2. Acceptable use

You agree not to: (a) copy, modify, reverse-engineer, decompile, or attempt to extract the source code of the Apps except as permitted by law; (b) use the Apps for any unlawful purpose; (c) interfere with or disrupt the Apps or any servers or networks connected to them; or (d) resell or commercially exploit the Apps without our permission.

3. In-app purchases & subscriptions

Some Apps offer optional in-app purchases or subscriptions. All payments are processed by Apple through the App Store and are subject to Apple’s terms. Prices and availability may change. Purchases are generally non-refundable except as required by law or Apple’s policies; refund requests are handled by Apple. Subscriptions, where offered, renew automatically unless canceled at least 24 hours before the end of the current period, and can be managed in your Apple Account settings.

4. Advertising

Some Apps are supported by third-party advertising. We are not responsible for the content of third-party ads or the websites or offers they link to.

5. User content

Some Apps let you create or store content. You retain ownership of content you create. For any App with sharing or social features, you grant us a limited license to store and display that content solely to operate the feature you have enabled. You are responsible for the content you create and share, and you agree not to post anything unlawful, infringing, or abusive.

6. Not professional advice

Several of our Apps cover educational topics including finance, economics, options and derivatives, budgeting, health, and languages. All such content is provided for general educational and entertainment purposes only. It is not financial, investment, legal, medical, or other professional advice, and must not be relied on as such. Always consult a qualified professional before making financial, health, or other important decisions. You are solely responsible for decisions you make.

7. Intellectual property

The Apps, including their design, code, graphics, and content (excluding your own user content), are owned by us and protected by intellectual-property laws. The App names and logos are our marks.

8. Disclaimer of warranties

The Apps are provided “as is” and “as available” without warranties of any kind, whether express or implied, including fitness for a particular purpose, merchantability, and non-infringement. We do not warrant that the Apps will be uninterrupted, error-free, or secure.

9. Limitation of liability

To the maximum extent permitted by law, we will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of data, profits, or goodwill, arising from your use of the Apps. Our total liability for any claim relating to the Apps will not exceed the amount you paid us for the App in question in the twelve months before the claim, or USD $50, whichever is greater.

10. Termination

We may suspend or terminate your access to the Apps if you violate these Terms. You may stop using the Apps at any time by deleting them.

11. Apple App Store

These Terms are between you and us only, not with Apple. Apple is not responsible for the Apps or their content. Apple has no obligation to provide maintenance or support for the Apps. In the event of any failure of an App to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price (if any); to the maximum extent permitted by law, Apple has no other warranty obligation. Apple is not responsible for addressing any claims relating to the Apps, including product-liability, legal-compliance, or intellectual-property claims. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you. You represent that you are not located in a country subject to a U.S. Government embargo and are not on any U.S. Government restricted-parties list.

12. Changes to these Terms

We may update these Terms from time to time. Continued use of the Apps after changes take effect means you accept the updated Terms.

13. Governing law

These Terms are governed by the laws of the State of Oregon, United States, without regard to conflict-of-laws principles.

14. Contact

Questions about these Terms? Email nicopetrides123@gmail.com.