Terms of Use

Agreement to Terms

These Terms of Use ("Terms") form a legally binding agreement between you and SubbiWise LLC ("SubbiWise," "we," "our," or "us") governing your access to and use of the SubbiWise mobile application and any related services (collectively, the "Service").

By downloading, installing, creating an account, or otherwise using SubbiWise, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree, please do not use the Service.

You must be at least 18 years old to use SubbiWise. By agreeing to these Terms, you represent that you meet this requirement.

License Grant

SubbiWise grants you a personal, non-exclusive, non-transferable, revocable license to use the app on any Apple-branded device that you own or control, subject to the following conditions:

• The license is solely for your personal, non-commercial use.
• Your use must comply with these Terms and Apple's App Store Terms of Service at all times.
• This license does not include the right to sublicense, distribute, or make the app available to any third party.
• The license is automatically revoked if you violate any part of these Terms.

Nothing in these Terms transfers any ownership of the app or its underlying technology to you. All rights not expressly granted are reserved by SubbiWise.

Subscriptions & Billing

SubbiWise offers optional auto-renewing subscriptions that unlock premium features. The following terms apply to all paid subscriptions:

Billing

• Payment is charged to your Apple ID account upon confirmation of purchase.
• Your subscription automatically renews at the end of each billing period unless canceled at least 24 hours before renewal.
• Renewal charges are processed within 24 hours of the end of the current period at the same rate.

Free Trials

• If a free trial is offered, it will automatically convert to a paid subscription at the end of the trial unless you cancel beforehand.
• Only one free trial is available per Apple ID per subscription offering.

Managing & Canceling

• You can manage or cancel your subscription at any time in Settings → Apple ID → Subscriptions on your device.
• Canceling stops future renewals but does not issue a refund for the current billing period.

Refunds

All purchases are processed by Apple. Refund requests are handled by Apple in accordance with their refund policies. SubbiWise does not process refunds directly. To request a refund, visit reportaproblem.apple.com.

Restrictions

By using SubbiWise, you agree not to:

• Copy, modify, distribute, sell, lease, or sublicense any portion of the app or its content.
• Reverse engineer, decompile, disassemble, or attempt to derive the source code of the app.
• Use the Service for any unlawful purpose or in violation of any applicable local, state, national, or international law or regulation.
• Share, sell, or transfer your account credentials or access to any third party.
• Attempt to gain unauthorized access to any portion of the app, its servers, or related systems.
• Introduce any virus, malware, or other harmful code to the Service.
• Use automated tools, bots, or scrapers to access or extract data from the Service.
• Interfere with or disrupt the integrity or performance of the Service.

Not Financial Advice

All content, projections, suggestions, and guidance within SubbiWise are provided for informational and educational purposes only. Nothing in the Service constitutes personalized financial, investment, tax, or legal advice, and nothing should be construed as a recommendation to buy, sell, or hold any financial product or security.

You are solely responsible for all financial decisions you make. Before making any significant financial decision, we strongly encourage you to consult with a qualified financial professional licensed in your jurisdiction.

Intellectual Property

All content, features, and functionality within SubbiWise — including but not limited to text, graphics, logos, icons, UI design, and underlying software — are the exclusive property of SubbiWise LLC and are protected by applicable U.S. and international intellectual property laws.

These Terms do not grant you any right to use SubbiWise's name, trademarks, logos, or other brand elements for any purpose without our prior written consent.

If you provide feedback, suggestions, or ideas about the Service, you grant SubbiWise a perpetual, irrevocable, royalty-free license to use that feedback in any way, without any obligation to you.

Privacy

Your use of SubbiWise is also governed by our Privacy Policy, which is incorporated into these Terms by reference. The Privacy Policy explains what data we collect, how we use it, and your rights and choices with respect to that data.

By using the Service, you consent to our data practices as described in the Privacy Policy. If you do not agree with our Privacy Policy, please do not use the Service.

Third-Party Services

SubbiWise integrates with third-party services to provide certain functionality, including Apple's in-app purchase infrastructure and authentication services. Your use of those third-party services is subject to their own terms of service and privacy policies, which we encourage you to review.

SubbiWise is not responsible for the content, practices, availability, or actions of any third-party services. Links or references to third-party services do not imply our endorsement.

Disclaimer of Warranties

SubbiWise is provided "as is" and "as available" without warranties of any kind, either express or implied. To the fullest extent permitted by applicable law, SubbiWise expressly disclaims all warranties, including but not limited to:

• Implied warranties of merchantability and fitness for a particular purpose.
• Warranties of non-infringement.
• Warranties that the Service will be uninterrupted, error-free, secure, or free of viruses or other harmful components.
• Warranties regarding the accuracy, completeness, or reliability of any content or guidance within the app.

Limitation of Liability

To the fullest extent permitted by applicable law, SubbiWise LLC and its owners, officers, employees, and affiliates shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including but not limited to:

• Loss of profits, data, goodwill, or other intangible losses.
• Damages arising from your inability to access or use the Service.
• Damages arising from financial decisions made based on content within the app.
• Damages arising from unauthorized access to or alteration of your data.

In no event shall SubbiWise's total cumulative liability to you for all claims arising from or related to the Service exceed the greater of (a) the total amount you paid for your subscription in the three months preceding the claim, or (b) $50 USD.

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability, so some of the above limitations may not apply to you.

Termination

We reserve the right to suspend or permanently terminate your access to SubbiWise at any time, with or without notice, for conduct that we reasonably believe violates these Terms, is harmful to other users, or is otherwise detrimental to SubbiWise or third parties.

You may stop using SubbiWise at any time by deleting the app from your device and canceling any active subscriptions through your Apple ID account settings. Termination does not entitle you to a refund of any prepaid fees.

Sections 5, 6, 9, 10, and 13 survive any termination of these Terms.

Changes to These Terms

We may update these Terms from time to time to reflect changes in our practices, legal requirements, or Service features. When we make material changes, we will update the "Last Updated" date at the top of this page.

Your continued use of SubbiWise after any changes become effective constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, you should stop using the Service.

Governing Law

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

Any dispute arising out of or relating to these Terms or your use of SubbiWise shall be resolved exclusively in the state or federal courts located in Sheridan County, Wyoming, and you consent to the personal jurisdiction of those courts.

Apple-Specific Terms

SubbiWise is distributed through Apple's App Store. The following additional terms apply and are required by Apple:

• These Terms are an agreement between you and SubbiWise only — not with Apple. Apple is not a party to these Terms and has no responsibility for the app.
• The license granted to you under Section 2 is limited to use on Apple-branded devices you own or control, as permitted by the App Store Usage Rules set forth in Apple's Terms of Service.
• Apple has no obligation whatsoever to provide any maintenance or support services for SubbiWise.
• In the event of any failure of SubbiWise 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 with respect to the app.
• Apple is not responsible for addressing any claims by you or any third party relating to SubbiWise or your possession and/or use of SubbiWise, including: (a) product liability claims; (b) any claim that the app fails to conform to any applicable legal or regulatory requirement; or (c) claims arising under consumer protection or similar legislation.
• In the event of any third-party claim that SubbiWise or your possession and use of SubbiWise infringes that third party's intellectual property rights, SubbiWise — not Apple — will be solely responsible for the investigation, defense, settlement, and discharge of any such claim.
• Apple and its subsidiaries are third-party beneficiaries of these Terms. Upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.
• Legal compliance. You represent and warrant that (i) you are not located in a country that is subject to a U.S. Government embargo, or that has been designated by the U.S. Government as a "terrorist supporting" country; and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties.
• U.S. Government end users. The Service and related documentation are "Commercial Items," as that term is defined at 48 C.F.R. §2.101, consisting of "Commercial Computer Software" and "Commercial Computer Software Documentation," as such terms are used in 48 C.F.R. §12.212 or 48 C.F.R. §227.7202, as applicable. The Commercial Computer Software and Commercial Computer Software Documentation are being licensed to U.S. Government end users (a) only as Commercial Items and (b) with only those rights as are granted to all other end users pursuant to these Terms.

Contact Us

If you have questions about these Terms or need support, we're here to help.