Terms & Conditions

1. Agreement to Terms

These Terms and Conditions ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Boukraft ("Company," "we," "us," or "our") concerning your access to and use of our mobile applications, including but not limited to Stowr (collectively, the "Apps" or individually, an "App").

By downloading, installing, accessing, or using our Apps, you agree that you have read, understood, and agree to be bound by these Terms. If you do not agree with these Terms, you must not access or use the Apps.

We reserve the right to change or modify these Terms at any time and in our sole discretion. If we make material changes to these Terms, we will provide notice through the Apps or by other means. Your continued use of the Apps following any changes constitutes your acceptance of the new Terms.

2. Eligibility

You must be at least 13 years of age to use our Apps. If you are between 13 and 18 years old (or the age of legal majority in your jurisdiction), you may only use the Apps with the consent and supervision of a parent or legal guardian who agrees to be bound by these Terms.

• You meet the age requirements stated above
• You have the legal capacity to enter into these Terms
• You will comply with these Terms and all applicable laws and regulations

3. License and Restrictions

3.1 Limited License

Subject to your compliance with these Terms, Boukraft grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to download, install, and use the Apps on your personal mobile device solely for your personal, non-commercial use.

3.2 Restrictions

You agree not to:

• Copy, modify, adapt, translate, or create derivative works of the Apps
• Reverse engineer, decompile, disassemble, or attempt to discover the source code of the Apps
• Rent, lease, loan, sell, sublicense, or distribute the Apps
• Remove, alter, or obscure any proprietary notices (including copyright and trademark notices) on the Apps
• Use the Apps for any illegal purpose or in violation of any laws
• Use the Apps in any manner that could damage, disable, overburden, or impair our servers or networks
• Attempt to gain unauthorized access to any portion of the Apps or any systems or networks connected to the Apps
• Use any automated system, including "robots," "spiders," or "offline readers," to access the Apps
• Interfere with or disrupt the integrity or performance of the Apps
• Use the Apps to transmit any viruses, malware, or other malicious code

4. Description of Service

4.1 Stowr

Stowr is a budgeting application designed to help users manage their personal finances. The App provides tools and features for tracking expenses, creating budgets, and achieving financial goals. All financial data you enter into the App is stored locally on your device.

4.2 Future Apps

Boukraft may develop and release additional applications across various sectors. Each app will be governed by these Terms unless a separate terms and conditions document is provided.

5. User Responsibilities

5.1 Data Accuracy

• The accuracy and completeness of any data you enter into the Apps
• Maintaining the confidentiality and security of your device
• All activities that occur on or through your device
• Backing up any data you enter into the Apps

5.2 Local Storage

The Apps store your data locally on your device. You acknowledge and agree that:

• We are not responsible for backing up your data
• If you delete the App or reset your device, your data may be permanently lost
• You should regularly back up your device to prevent data loss
• We are not liable for any loss of data for any reason

5.3 Updates

You are responsible for maintaining compatible hardware and software to use the Apps, including downloading and installing any App updates we release. We may automatically download and install updates to the Apps.

6. Intellectual Property Rights

6.1 Ownership

The Apps and all content, features, and functionality (including but not limited to all information, software, text, displays, images, video, audio, design, selection, and arrangement) are owned by Boukraft, its licensors, or other providers of such material and are protected by copyright, trademark, patent, trade secret, and other intellectual property laws.

6.2 Trademarks

Boukraft, Stowr, and any associated logos are trademarks or registered trademarks of Boukraft. You may not use these trademarks without our prior written consent.

6.3 Feedback

If you provide us with any feedback, suggestions, or ideas about the Apps ("Feedback"), you grant us an unlimited, irrevocable, perpetual, sublicensable, transferable, royalty-free license to use, modify, and exploit such Feedback in any manner without compensation or attribution to you.

7. No Financial Advice

7.1 Educational Purposes Only

THE APPS ARE PROVIDED FOR INFORMATIONAL AND EDUCATIONAL PURPOSES ONLY. THE APPS DO NOT PROVIDE FINANCIAL, INVESTMENT, TAX, LEGAL, OR ACCOUNTING ADVICE.

7.2 Consult Professionals

You should consult with qualified professionals before making any financial decisions. We make no representations or warranties about the accuracy, reliability, completeness, or timeliness of any information provided through the Apps.

7.3 Your Responsibility

Any financial decisions you make are your sole responsibility. You acknowledge that:

• You use the Apps and any information provided at your own risk
• We are not responsible for any financial losses or damages you may incur
• The Apps are tools to help you organize information, not to provide financial guidance

8. Disclaimers

8.1 "As Is" and "As Available"

THE APPS ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

8.2 No Warranty

Boukraft DOES NOT WARRANT THAT:

• The Apps will function uninterrupted, secure, or error-free
• Defects will be corrected
• The Apps or servers are free of viruses or other harmful components
• The results obtained from using the Apps will be accurate or reliable
• The quality of any information or services obtained through the Apps will meet your expectations

8.3 Data Loss

We do not guarantee that your data will be stored securely or without loss. You are responsible for backing up your data.

8.4 Third-Party Content

Any third-party content, links, or services accessible through the Apps are provided for your convenience only. We do not endorse and are not responsible for any third-party content, websites, or services.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW:

9.1 No Indirect Damages

Boukraft SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• Your access to or use of or inability to access or use the Apps
• Any conduct or content of any third party on the Apps
• Any content obtained from the Apps
• Unauthorized access, use, or alteration of your transmissions or content

9.2 Financial Losses

Boukraft SHALL NOT BE LIABLE FOR ANY FINANCIAL LOSSES, INVESTMENT LOSSES, OR DAMAGES ARISING FROM YOUR USE OF THE APPS OR ANY FINANCIAL DECISIONS YOU MAKE BASED ON INFORMATION FROM THE APPS.

9.3 Maximum Liability

IN NO EVENT SHALL Boukraft'S TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, OR CAUSES OF ACTION EXCEED THE AMOUNT YOU HAVE PAID TO Boukraft IN THE LAST SIX (6) MONTHS, OR, IF GREATER, ONE HUNDRED DOLLARS ($100).

9.4 Exceptions

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN WARRANTIES OR DAMAGES. IN SUCH JURISDICTIONS, THE ABOVE LIMITATIONS AND EXCLUSIONS MAY NOT APPLY TO YOU.

10. Indemnification

You agree to defend, indemnify, and hold harmless Boukraft, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to:

• Your violation of these Terms
• Your use of the Apps
• Your violation of any rights of another
• Your violation of any applicable laws or regulations
• Any data or content you submit, post, or transmit through the Apps

11. Third-Party Services and Links

The Apps may contain links to third-party websites, applications, or services that are not owned or controlled by Boukraft. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services.

You acknowledge and agree that Boukraft shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods, or services available on or through any such third-party websites or services.

We strongly advise you to read the terms and conditions and privacy policies of any third-party websites or services that you visit.

12. Modifications to the Apps

We reserve the right to modify, suspend, or discontinue the Apps (or any part thereof) at any time, with or without notice, for any reason. We shall not be liable to you or any third party for any modification, suspension, or discontinuance of the Apps.

13. Termination

13.1 Your Right to Terminate

You may stop using the Apps at any time by uninstalling them from your device.

13.2 Our Right to Terminate

We may terminate or suspend your access to the Apps immediately, without prior notice or liability, for any reason, including without limitation if you breach these Terms.

13.3 Effect of Termination

Upon termination:

• Your right to use the Apps will immediately cease
• All provisions of these Terms which by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability

14. Export Control

You may not use, export, or re-export the Apps except as authorized by United States law and the laws of the jurisdiction in which the Apps were obtained. You represent and warrant that:

• You are not located in a country that is subject to a U.S. Government embargo or has been designated by the U.S. Government as a "terrorist supporting" country
• You are not listed on any U.S. Government list of prohibited or restricted parties

15. Governing Law and Dispute Resolution

15.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of United States, without regard to its conflict of law provisions.

15.2 Dispute Resolution

Any disputes arising out of or relating to these Terms or the Apps shall be resolved through:

15.3 Class Action Waiver

YOU AND Boukraft AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.

16. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, the validity, legality, and enforceability of the remaining provisions shall not be affected or impaired.

17. Waiver

No waiver by Boukraft of any term or condition set forth in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition, and any failure by Boukraft to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

18. Entire Agreement

These Terms, together with our Privacy Policy, constitute the sole and entire agreement between you and Boukraft regarding the Apps and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Apps.

19. Assignment

You may not assign or transfer these Terms, by operation of law or otherwise, without our prior written consent. Any attempt by you to assign or transfer these Terms without such consent will be null and void. We may freely assign or transfer these Terms without restriction. Subject to the foregoing, these Terms will bind and inure to the benefit of the parties, their successors, and permitted assigns.

20. Notice to California Residents

If you are a California resident, you may have these Terms mailed to you electronically by sending a letter to the physical address listed below with your electronic mail address and a request for these Terms. Under California Civil Code Section 1789.3, California users are entitled to the following consumer rights notice:

The Apps are provided by Boukraft. If you have a question or complaint regarding the Apps, please contact us at [email protected]. California residents may reach the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs by mail at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (916) 445-1254 or (800) 952-5210.

21. Apple App Store Additional Terms

If you downloaded the Apps from the Apple App Store, you acknowledge and agree that:

• These Terms are between you and Boukraft only, not with Apple Inc. ("Apple")
• Apple has no obligation to provide maintenance or support services for the Apps
• In the event of any failure of the Apps to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) to you. To the maximum extent permitted by law, Apple will have no other warranty obligation with respect to the Apps
• Apple is not responsible for addressing any claims by you or any third party relating to the Apps or your possession and/or use of the Apps
• Apple and Apple's subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance of these Terms, Apple will have the right to enforce these Terms against you as a third-party beneficiary

22. Google Play Store Additional Terms

If you downloaded the Apps from the Google Play Store, you acknowledge and agree that:

• These Terms are between you and Boukraft only, not with Google Inc. ("Google")
• Google is not responsible for the Apps or their content
• Google has no obligation or liability to you with respect to the Apps or these Terms
• You acknowledge and agree that Google is a third-party beneficiary to these Terms as they relate to your use of the Apps