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Terms of Use and End User License Agreement for Apex FIRE Planner

Effective date: August 17, 2026

These Terms of Use and End User License Agreement (the "Terms") are a legal agreement between you and [INSERT DEVELOPER OR COMPANY LEGAL NAME BEFORE PUBLICATION] ("Developer," "we," "us," or "our") governing your download, access to, and use of Apex FIRE Planner, including its features, content, updates, and related services (collectively, the "App").

By downloading, accessing, purchasing through, or using the App, you agree to these Terms and our Privacy Policy. If you do not agree, do not use the App and uninstall it.

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 and the applicable app store rules, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, and revocable license to install and use the 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. If you obtained the App through Apple's App Store, your use is also subject to the Apple Media Services Usage Rules, including any applicable Family Sharing or volume-purchasing rules.

3. Permitted and Prohibited Use

You may use the App only for lawful purposes and in accordance with these Terms. You must not:

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:

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 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 RevenueCat, the applicable app store, internet connectivity, and third-party infrastructure. Premium purchase status is associated with an anonymous subscription identifier. Purchases may not automatically transfer between Android and iOS, and a separate purchase may be required on each platform unless the applicable store and App expressly indicate otherwise. Use Restore Purchases where available if a valid purchase is not recognized.

8. Subscriptions, Trials, Billing, and Renewal

Premium may be offered as an automatically renewing monthly or annual subscription. The available plan, billing period, trial, localized price, currency, taxes, and renewal terms shown on the app-store purchase screen at the time of purchase form part of these Terms and control if they conflict with general pricing descriptions elsewhere.

Automatic renewal

Unless you cancel through the app store before the deadline shown by that store, your subscription automatically renews for another billing period, and the store will charge the payment method associated with your store account. Renewal timing and billing are governed by the applicable store's terms. Uninstalling the App or deleting local App data does not cancel a subscription.

Free trials and promotions

We may offer a free trial or promotional price. When offered, its duration and eligibility are shown before purchase; the currently configured eligible annual offer may include a seven-day free trial. Eligibility is determined by the applicable app store and may vary by person, platform, or region. Unless you cancel before the trial ends in the manner required by the store, the store will charge the displayed subscription price when the trial converts to a paid subscription. A trial may be limited to one per eligible customer.

Managing and canceling a subscription

You can manage or cancel a subscription through the Apple App Store or Google Play account used to purchase it. Cancellation normally stops future renewal, and access generally continues until the end of the paid billing period, unless the store, a refund, applicable law, or the purchase terms provide otherwise.

Price changes

Subscription prices may change. Any required notice, consent, or opportunity to cancel will be provided under applicable law and the applicable store's rules. A price change does not affect a billing period already paid for unless the store's terms or applicable law state otherwise.

9. Refunds

Apple or Google, as applicable, processes your payment and generally administers refund requests under its policies and applicable law. Except where required by law or expressly stated by the applicable store, payments are non-refundable and no credit is provided for a partially used billing period.

Nothing in these Terms limits a refund, cancellation, withdrawal, or other mandatory consumer right that cannot legally be excluded. If a store directs you to contact us about a purchase issue, use the contact details in Section 22 and include the anonymous Support ID displayed by the App when available. Do not send us your payment-card details.

10. Third-Party Services and Terms

The App relies on third-party services, including Apple, Google, RevenueCat, 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 app-store, 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 and uninstalling the App; you must separately cancel any subscription to prevent future renewal.

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. Apple-Specific Terms

If you download or use the App on an Apple-branded product, the following terms also apply:

  1. These Terms are between you and the Developer, not Apple. The Developer, not Apple, is solely responsible for the App and its content.
  2. The Developer is solely responsible for maintenance and support services required by applicable law. Apple has no obligation to provide maintenance or support for the App. Contact the Developer using Section 22 for support.
  3. If the App fails to conform to an applicable warranty, you may notify Apple, and Apple may refund the purchase price, if any, paid for the App. To the maximum extent permitted by law, Apple has no other warranty obligation regarding the App. The Developer is responsible for other claims, losses, liabilities, damages, costs, or expenses attributable to a failure to conform to an applicable warranty.
  4. The Developer, not Apple, is responsible for addressing claims relating to the App or your possession or use of it, including product-liability claims, claims that the App fails to meet a legal or regulatory requirement, and claims under consumer-protection, privacy, or similar law.
  5. If a third party claims that the App or your possession and use of it infringes intellectual-property rights, the Developer, not Apple, is responsible for investigating, defending, settling, and discharging that claim.
  6. You represent that you are not located in a country subject to a U.S. Government embargo or designated by the U.S. Government as a "terrorist supporting" country, and that you are not listed on a U.S. Government prohibited or restricted party list.
  7. You must comply with applicable third-party terms when using the App.
  8. Apple and its subsidiaries are third-party beneficiaries of these Terms. When you accept these Terms, Apple has the right to enforce these Terms against you as a third-party beneficiary.

19. Governing Law and Disputes

These Terms are governed by the laws of [INSERT GOVERNING JURISDICTION BEFORE PUBLICATION], without regard to conflict-of-law principles. Subject to any mandatory consumer right to bring a claim elsewhere, the courts located in [INSERT EXCLUSIVE OR NON-EXCLUSIVE COURT LOCATION BEFORE PUBLICATION] will have jurisdiction over disputes arising from these Terms or the App.

Before filing a claim, you and the Developer agree to make a reasonable, good-faith effort to resolve the dispute informally by written notice using the contact information in Section 22. This requirement does not prevent either party from seeking urgent injunctive relief or exercising a mandatory consumer right.

If you are a consumer, you retain the protections of mandatory law in your 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, subscriptions, 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 and cancel any subscription before its next renewal.

21. General Terms

These Terms and the Privacy Policy constitute the entire agreement between you and the Developer regarding the App, except for terms presented by an app store or at purchase that also apply. 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: [INSERT LEGAL NAME BEFORE PUBLICATION]
Business address: [INSERT FULL POSTAL ADDRESS BEFORE PUBLICATION]
Email: [INSERT SUPPORT OR LEGAL EMAIL BEFORE PUBLICATION]
Telephone: [INSERT TELEPHONE NUMBER BEFORE PUBLICATION]