Terms of Service

1. Agreement to these terms

These Terms of Service ("Terms") are a binding agreement between you and Thomas Pappas, trading as Crunchski ("Crunchski", "we", "us"), governing your access to and use of the Crunchski website, applications and services (together, the "Service").

By creating an account, joining a household, or otherwise using the Service, you confirm that you have read, understood and agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

If you are using the Service on behalf of a household or another person, you confirm you have authority to accept these Terms on their behalf, and references to "you" include them.

2. Eligibility and age

You must be at least 16 years old, or the minimum age of digital consent in your country if that is higher, to create your own account. The Service is not directed at children under 13 and we do not knowingly collect their personal data.

A household administrator may invite family members, including minors, to join a household. If you invite or supervise a minor, you are responsible for their use of the Service, for the content they add, and for supervising what is shared with them — including the financial information in the household.

You must provide accurate registration information and keep it up to date. You are responsible for everything that happens under your account, and for keeping your password and any two-factor codes secure. Tell us immediately at support@crunchski.com if you suspect unauthorised access.

3. What Crunchski is — and what it is not

Crunchski is an organisational and record-keeping tool for households. It helps you write down chores, plan meals, keep a shared calendar, and record financial information you already have. Its outputs are arithmetic applied to data you enter.

Crunchski is not a professional adviser of any kind. It does not provide financial, investment, tax, accounting, insurance, legal, medical, nutritional, dietetic, veterinary, engineering, surveying or automotive-valuation advice or services, and it is not a substitute for any of them. We are not a bank, broker-dealer, investment adviser, money transmitter, credit-reference agency, insurer, tax preparer, medical provider or licensed tradesperson, and we are not regulated as any of those things.

Nothing in the Service is a recommendation, endorsement, solicitation, offer or inducement to enter into any transaction, buy or sell any asset, adopt any diet, undertake any repair, or take any other action. Any decision you take remains entirely yours.

Crunchski is a budgeting and record-keeping tool, not a financial adviser. Nothing in the app is financial, investment, tax, accounting, insurance or legal advice, and no figure it produces is a recommendation to do anything with your money. Projections, net worth figures, growth rates and simulations are arithmetic applied to numbers you entered; they are not forecasts and they do not account for inflation, market risk, fees, or your circumstances. Speak to a qualified professional before making a financial decision.

Tax figures are a rough estimate for planning only. They model wage income, the standard deduction and headline federal rates, and ignore itemised deductions, credits, dependants, capital gains, self-employment tax, and state and local taxes. They are not tax advice and must not be used to file, withhold or plan a real liability. Consult a qualified tax professional.

Vehicle values are produced by a depreciation model from the details you enter — not a market quote, appraisal or trade-in offer. Crunchski has no connection to any valuation service. Do not rely on this figure to buy, sell, insure or borrow against a vehicle.

Home Health is general household guidance, not medical, health, safety or professional advice. It is not a diagnosis, treatment, or a substitute for a doctor, pharmacist, or a qualified tradesperson. Never delay seeking professional advice because of something you read here, and if you think you have a medical emergency call your local emergency number.

Dietary labels, allergen tags and nutritional information come from whoever entered the recipe — usually a member of your own household — and are not checked, verified or reviewed by Crunchski. Do not rely on them to avoid an allergen or to manage a medical condition. Always read the actual ingredients and packaging, and confirm with a qualified professional if a mistake could harm someone.

Maintenance and repair suggestions are general guidance only. Some tasks carry real risk of injury, property damage, or breach of building, gas or electrical regulations. Use a qualified, insured professional where the work calls for one, and follow the manufacturer's instructions and local law.

Reminders and notifications are a convenience and are not guaranteed to arrive, arrive on time, or arrive at all — they depend on your device, your network and third-party push services. Never rely on Crunchski for anything time-critical or safety-critical, such as medication, medical appointments, or a legal or regulatory deadline.

4. Households and shared data

Crunchski is built around a household: a shared workspace whose members can see and change shared content. By joining a household you accept that the other members will see the shared information in it, including chores, calendar entries, meal plans, recipes, points and activity, and — for members granted finance access — the household's financial records.

Accounts marked personal are visible only to the member who created them, and personal tasks only to their owner. These are product features for everyday privacy between household members; they are not a security boundary against a determined member with administrative rights, and you should not use the Service to keep information from someone you live with if disclosure would harm you.

The household owner controls billing and may delete the household. Deleting a household permanently deletes its content for every member. Administrators may add and remove members, change roles, and grant or revoke finance access. We are not responsible for what members of your household do with information you put into it, or for disputes between members.

5. Your content and the licence you give us

You keep ownership of everything you put into the Service ("Your Content"). You grant us a worldwide, non-exclusive, royalty-free licence to host, store, copy, transmit, display and process Your Content solely to operate, secure, support and improve the Service, and to the extent needed to comply with law. This licence ends when Your Content is deleted, except for backups retained for the period described in the Privacy Policy.

You are solely responsible for Your Content, including its accuracy, legality, and your right to submit it. Do not upload anything you do not have the right to share, and do not put third parties' personal data into the Service without a lawful basis for doing so.

We do not routinely monitor Your Content, but we may remove anything we reasonably believe breaches these Terms or the law.

6. Acceptable use

You agree not to: break any law or regulation; infringe anyone's rights; upload malware or attempt to gain unauthorised access to the Service, its infrastructure or another user's account; probe, scan or test the Service's security without our prior written permission; scrape, harvest or bulk-extract data; resell, sublicense or commercially exploit the Service; reverse engineer it except to the extent that restriction is unenforceable by law; interfere with its operation or place unreasonable load on it; impersonate anyone; or use the Service to harass, abuse, stalk or monitor another person without their knowledge and consent.

You must not use the Service where doing so would breach sanctions or export-control law, or from a jurisdiction where the Service is prohibited.

We may suspend or terminate access immediately, without notice or refund, for a breach of this section.

7. Subscriptions, billing and refunds

Parts of the Service require a paid subscription. Prices, billing periods and any free trial are shown before you buy. By subscribing you authorise us and our payment processor to charge your chosen payment method on a recurring basis until you cancel.

Subscriptions renew automatically at the end of each billing period at the then-current price, unless cancelled before the renewal date. You can cancel at any time from the billing settings; cancellation takes effect at the end of the paid period and you keep access until then.

Except where the law requires otherwise, payments are non-refundable and we do not provide refunds or credits for partial periods, unused features, or periods in which you did not use the Service. Where you have a statutory right to cancel or to a refund, that right is unaffected by this section.

Subscriptions bought through the Apple App Store are billed by that store and governed additionally by its terms; cancellations and refunds for those purchases must be handled through the store.

We may change prices on reasonable notice. A price change takes effect at your next renewal, and you may cancel before then if you do not accept it. You are responsible for any taxes on your subscription other than taxes on our income.

8. Third-party services

The Service relies on third parties — including hosting, database, payment, email, authentication and push-notification providers — and may link to third-party sites. We do not control them, we do not endorse them, and we are not responsible for their acts, omissions, availability, content or policies. Your use of a third-party service is governed by that party's terms.

Where you sign in with a third-party identity provider, your use of that provider is subject to its own terms and privacy policy.

9. Availability and changes to the Service

We may change, suspend, limit or discontinue any part of the Service at any time. We aim to give reasonable notice of material changes that disadvantage you, but we do not promise any level of availability, uptime, performance, or that the Service will be uninterrupted, timely, secure or error-free.

We may impose usage limits, and may change them. Maintenance, updates and outages will happen. You are responsible for keeping your own copies of anything you cannot afford to lose; the export feature exists for that purpose.

10. Disclaimer of warranties

THE SERVICE AND EVERYTHING IN IT ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, STATUTORY OR OTHERWISE, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY AND NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.

We do not warrant that the Service will meet your requirements, that its outputs will be accurate, complete, current or reliable, that defects will be corrected, or that the Service or its infrastructure is free of harmful components.

Some jurisdictions do not allow the exclusion of implied warranties, so some of the above may not apply to you. Nothing in these Terms excludes or limits any statutory consumer right that cannot lawfully be excluded or limited.

11. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER WE NOR OUR OFFICERS, DIRECTORS, EMPLOYEES, CONTRACTORS, AGENTS, SUPPLIERS OR LICENSORS WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, SAVINGS, GOODWILL, BUSINESS OPPORTUNITY, DATA, OR FOR BUSINESS INTERRUPTION, HOWEVER CAUSED AND ON ANY THEORY OF LIABILITY, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

WITHOUT LIMITING THE ABOVE, WE ARE NOT LIABLE FOR ANY LOSS OR HARM ARISING FROM: any financial, investment, tax, budgeting, borrowing, insurance or purchasing decision; any valuation, projection, estimate or simulation the Service produces; any dietary, allergen, nutritional or health decision; any maintenance, repair or do-it-yourself work; any missed, delayed or undelivered reminder or notification; inaccurate or incomplete data entered by you or another member of your household; the acts or omissions of anyone in your household; or unauthorised access to your account other than through our own failure.

OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE IS LIMITED TO THE GREATER OF (A) THE TOTAL AMOUNT YOU PAID US IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED US DOLLARS ($100).

These limits apply to the fullest extent permitted by law, and survive termination. They do not exclude liability for death or personal injury caused by our negligence, for fraud or fraudulent misrepresentation, or for anything else that cannot lawfully be excluded. Some jurisdictions do not allow certain limitations, so parts of this section may not apply to you.

12. Indemnity

You agree to indemnify and hold harmless Crunchski and its officers, directors, employees and agents from any claim, demand, loss, liability, damage, cost or expense (including reasonable legal fees) arising out of or connected with: your use of the Service; Your Content; your breach of these Terms or of any law; your infringement of anyone's rights; or a dispute between you and another member of your household.

13. Termination

You may stop using the Service and delete your account at any time from your account settings. We may suspend or terminate your access at any time if you breach these Terms, if we are required to by law, or if we discontinue the Service.

On termination your right to use the Service ends immediately. Deleting your account deletes your personal data as described in the Privacy Policy; content you contributed to a household may remain visible to that household where it is part of its shared records. Sections that by their nature should survive — including content licence, disclaimers, limitation of liability, indemnity and governing law — survive termination.

14. Changes to these Terms

We may update these Terms. When we do, we will change the date at the top and, for material changes, take reasonable steps to notify you. Continuing to use the Service after a change takes effect means you accept the updated Terms. If you do not accept them, stop using the Service and delete your account.

15. Governing law and disputes

These Terms and any dispute arising out of them or the Service are governed by the laws of the State of New Jersey, United States, without regard to its conflict-of-laws rules, and you and we submit to the exclusive jurisdiction of its courts. If you are a consumer resident elsewhere, this does not deprive you of the protection of mandatory consumer-protection law in your country of residence.

Before starting a formal claim, please contact us at legal@crunchski.com and give us thirty days to resolve the matter informally. Most disputes can be settled that way.

To the extent permitted by law, any claim must be brought individually and not as a class, collective or representative action.

16. General

These Terms and the Privacy Policy are the entire agreement between you and us about the Service and replace any earlier understanding. If any provision is held unenforceable, it is severed or narrowed to the minimum extent necessary and the rest remains in force. Our failure to enforce a provision is not a waiver of it.

You may not assign these Terms without our written consent; we may assign them to an affiliate or in connection with a merger, acquisition or sale of assets. Neither party is liable for a failure to perform caused by events beyond its reasonable control. There are no third-party beneficiaries to this agreement.

Questions about these Terms: legal@crunchski.com. Registered address: 100 Lofts Drive, Princeton, NJ 08540.