Web Terms of Use for Apex FIRE Planner
Effective date: September 12, 2026
These Web Terms of Use (the “Terms”) are a legal agreement between you and YUAN GAO (“Developer,” “we,” “us,” or “our”) governing your access to and use of the Apex FIRE Planner Web application at https://apexfire.app/web/, including its features, content, updates, and related services (collectively, the “App”).
By accessing, purchasing through, or using the Web App, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the Web App.
1. Eligibility
You must be legally capable of entering into these Terms. If you are under the age of legal majority where you live, you may use the App only with the permission and supervision of a parent or legal guardian who agrees to these Terms on your behalf. The App is not directed to children under 13 or the minimum age required by local law.
You may not use the App if doing so would violate applicable law or if you are prohibited from receiving the App under applicable trade or sanctions laws.
2. License to Use the App
Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, and revocable license to access and use the Web App on devices that you own or control for your personal, non-commercial financial planning.
The App is licensed, not sold. We and our licensors retain all rights not expressly granted to you.
3. Permitted and Prohibited Use
You may use the App only for lawful purposes and in accordance with these Terms. You must not:
- copy, distribute, sell, rent, lease, sublicense, publicly display, or commercially exploit the App except as applicable law expressly permits;
- reverse engineer, decompile, disassemble, attempt to discover source code, or circumvent technical protections, except to the limited extent such a restriction is prohibited by law;
- bypass, interfere with, probe, overload, or disrupt the App, its purchase controls, exchange-rate service, security, or rate limits;
- use automated systems to scrape or make excessive requests to an online service provided with the App;
- introduce malware or use the App to infringe, misappropriate, or violate another person’s rights;
- misrepresent purchase status, manipulate purchase records, or obtain Premium features without authorization; or
- use the App or its output as the sole basis for a regulated, unlawful, deceptive, or harmful activity.
4. Financial and Professional Disclaimer
The App is a self-directed planning and educational tool. It does not provide financial, investment, tax, accounting, legal, insurance, retirement, estate-planning, or other professional advice. We are not your financial adviser, investment adviser, broker, fiduciary, accountant, insurer, or attorney, and use of the App does not create a professional or fiduciary relationship.
All projections, FIRE estimates, target dates, Monte Carlo results, depletion probabilities, scenarios, and other outputs are hypothetical estimates based on the information and assumptions entered on your device. They are not promises, guarantees, recommendations, offers, or predictions of actual performance. Actual results may differ materially because markets, inflation, taxes, exchange rates, laws, income, expenses, health, lifespan, and personal circumstances can change.
You are solely responsible for checking your inputs, assumptions, and results and for deciding whether and how to act. Do not buy, sell, borrow, retire, change insurance, alter taxes, or make another significant decision solely because of the App. Consider obtaining advice from appropriately qualified professionals who understand your circumstances.
5. Exchange-Rate Information
Exchange rates shown by the App are informational reference rates only. They are not executable trading, banking, card-conversion, remittance, or settlement quotes. Rates may be delayed, unavailable, stale, incomplete, rounded, or different from rates and fees offered by a financial institution.
The App may use cached rates while offline or when an online service is unavailable. You are responsible for confirming any rate before completing a transaction or making a financial decision. We do not guarantee the availability, timeliness, accuracy, or completeness of exchange-rate information.
6. Your Information, Local Storage, and Backups
You retain any rights you have in the information you enter into the App. That information is stored locally on your device as described in the Privacy Policy. You grant us no license to your locally stored financial plan because the App does not upload that plan to our servers.
You are responsible for:
- entering and maintaining accurate information;
- protecting your device and access credentials;
- creating backups if you want them;
- selecting and securing each backup destination and passphrase; and
- retaining any records needed for financial, tax, legal, or other purposes outside the App.
We cannot access, recover, synchronize, correct, or restore your local data or a forgotten backup passphrase. Device loss, damage, reset, operating-system behavior, deletion of the App, storage failure, or loss of a passphrase may permanently make your data unavailable. Exported backups remain under your control and the terms of any destination you choose.
7. Free and Premium Features
The App may provide both free features and paid Apex FIRE Planner Premium features. Premium features may include multi-currency planning and online exchange rates, snapshots and history, encrypted backup import and export, future-expense and future-inflow planning, or other features shown on the purchase screen. We may add, modify, replace, or discontinue features, subject to applicable law.
Some Premium functions depend on Stripe, internet connectivity, and third-party infrastructure. Web Premium purchase status is associated with an anonymous purchase identity.
Web Premium is independent of Android and iOS purchases. Restore Web Premium using the saved recovery code, or replace it from an authorized browser. Confirming a replacement invalidates the old code and other browser sessions; already offline access may last until its signed cache expires. There is no email or manual credential recovery. Losing the code and all authorized browsers makes Apex Premium unrecoverable. Financial backups exclude purchase identities, recovery codes and browser sessions; restoring a financial backup does not restore Premium.
8. Web Purchases and Payment
Web Premium is offered as a one-time lifetime purchase for US$24.99, plus applicable taxes displayed before payment. It has no trial, subscription, automatic renewal or future recurring charge. Lifetime provides Premium access for the operating life of the Web service, subject to these Terms and mandatory consumer rights. New sales are offered in regions supported by our payment provider.
Stripe processes your payment and the payment and billing-location details needed to complete it and calculate taxes. Web checkout does not ask for an email address or an Apex account. Your saved recovery code and authorized browsers provide access to your purchase identity. We do not use email to restore Premium or send purchase receipts.
Use Settings → View receipt to view the Stripe payment receipt. Clearing browser data or logging out revokes this browser's authorization; it does not refund your purchase. Save your recovery code before clearing data. A receipt does not replace the recovery code.
Price changes apply to new purchases and do not create charges for existing lifetime purchases.
9. Refunds
For Web payment or refund requests, contact support@gleegarden.games. Include the receipt reference or the Support ID shown in the App when available. Do not send recovery codes, payment-card details or financial backups. Refund requests are handled through Stripe and applicable law. A full refund removes Premium access. A partial refund retains access unless the payment is also disputed. An open or lost payment dispute suspends access; winning or closing the dispute in the merchant's favor can restore it. Offline access already authorized can last until its signed cache expires, at most 24 hours.
Nothing in these Terms limits a refund, cancellation, withdrawal or other mandatory consumer right that cannot legally be excluded. Support can investigate billing issues but cannot recover a lost Apex recovery code or local financial data.
10. Third-Party Services and Terms
The App relies on third-party services, including Stripe, Cloudflare, and exchange-rate data sources. Your use of those services is also subject to their applicable terms and privacy policies. You must comply with applicable third-party agreements, including your payment-service, internet-access, and device agreements.
We do not control third-party services and are not responsible for their independent acts, content, terms, availability, security, or accuracy. A third-party outage or policy change may temporarily or permanently affect App functions.
11. Intellectual Property
The App, including its software, design, text, graphics, branding, selection and arrangement of content, and other materials supplied by us, is owned by or licensed to the Developer and is protected by intellectual-property laws. “Apex FIRE Planner” and associated names, logos, and marks may not be used without prior written permission except as law permits.
Third-party names and marks belong to their respective owners. Open-source components, if any, are governed by their applicable licenses.
12. Feedback
If you voluntarily provide an idea, suggestion, or other feedback about the App, you grant us a worldwide, perpetual, irrevocable, royalty-free, transferable, and sublicensable right to use it without restriction or compensation, provided that this does not give us ownership of the financial information stored in your App.
13. Updates, Availability, and Changes
We may provide updates, bug fixes, security changes, or feature changes. An update may be required for continued use. We do not promise that the App or an online feature will always be available, uninterrupted, compatible with every device, or maintained for any minimum period.
We may suspend or discontinue all or part of the App for maintenance, security, legal, technical, or business reasons. Where required by law, we will provide notice or an appropriate remedy for a material change to a paid service.
14. Suspension and Termination
These Terms remain effective until terminated. You may terminate them at any time by stopping use of the Web App. Web purchases do not renew.
We may suspend online access or terminate your license if you materially or repeatedly breach these Terms, misuse the App or its services, create a security or legal risk, or if required by law. Upon termination, you must stop using the App. Sections that by their nature should survive termination—including Sections 4, 5, 9, 11, 12, 15, 16, 17, 19, and 21—will survive.
15. Disclaimer of Warranties
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE APP AND ALL OUTPUTS, CONTENT, EXCHANGE RATES, AND SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITH ALL FAULTS. WE DISCLAIM ALL EXPRESS, IMPLIED, AND STATUTORY WARRANTIES, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, QUIET ENJOYMENT, NON-INFRINGEMENT, AVAILABILITY, SECURITY, AND THAT THE APP WILL BE ERROR-FREE OR MEET YOUR REQUIREMENTS.
Some jurisdictions do not allow certain warranty exclusions. In those jurisdictions, the exclusions apply only to the extent permitted by law. Nothing in these Terms excludes a warranty or consumer right that cannot legally be excluded.
16. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE DEVELOPER AND ITS AFFILIATES, LICENSORS, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, PUNITIVE, OR CONSEQUENTIAL LOSS, OR FOR LOSS OF PROFITS, SAVINGS, REVENUE, OPPORTUNITY, GOODWILL, BUSINESS, OR DATA, ARISING OUT OF OR RELATING TO THE APP OR THESE TERMS, EVEN IF ADVISED THAT SUCH LOSS WAS POSSIBLE.
TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE APP OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID FOR THE APP OR PREMIUM DURING THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM OR (B) US$50.
These limitations do not apply to liability that cannot be limited under applicable law, which may include liability for fraud, willful misconduct, gross negligence, death or personal injury caused by negligence, or violation of mandatory consumer rights. Your jurisdiction may provide additional rights.
17. Indemnity
To the extent permitted by applicable law, you agree to indemnify and hold harmless the Developer and its affiliates, licensors, and service providers from claims, liabilities, damages, losses, and reasonable costs arising from your unlawful misuse of the App, material breach of these Terms, or infringement of another person’s rights. This Section does not require a consumer to indemnify us for our own unlawful conduct, negligence, or breach of these Terms.
18. Separate Mobile Applications
These Terms apply to the Web application and Web purchases. Licenses and purchases for the Android and iOS applications are governed by the applicable mobile license and store purchase terms. Web Premium does not redeem or transfer an Android or iOS purchase, and a Web purchase does not unlock Premium in the native applications.
19. Disputes and Consumer Rights
For a question or dispute, contact us using Section 22 so we can try to resolve it. This does not prevent you from seeking urgent relief or exercising a statutory right. Applicable law determines the law and courts that apply; these Web Terms do not select an exclusive court or require arbitration.
Consumers retain the protections of mandatory law in their country or region. These Terms do not deprive you of rights that cannot be waived by contract.
20. Changes to These Terms
We may update these Terms to reflect changes to the App, purchases, service providers, or law. We will update the effective date and provide any additional notice required by law. A change will apply prospectively from its stated effective date. If you do not agree to revised Terms, you must stop using the App, subject to any mandatory rights you retain.
21. General Terms
These Terms and the Privacy Policy constitute the entire agreement between you and the Developer regarding the App, except for applicable terms presented at Web checkout. If a provision is found invalid or unenforceable, it will be enforced to the maximum lawful extent and the remaining provisions will remain effective.
Our failure to enforce a provision is not a waiver. You may not assign these Terms without our prior written consent. We may assign them in connection with a merger, acquisition, reorganization, sale of assets, or by operation of law, subject to applicable consumer law. Headings are for convenience only. The English version controls to the extent permitted by law if a translation conflicts with it.
22. Developer and Contact Information
Questions, complaints, support requests, and claims concerning the App should be directed to:
Developer legal name: YUAN GAO
Business address: 1400 Lake Hearn Drive NE, APT 2507, Brookhaven, GA 30319, United States
Email: support@gleegarden.games