Terms of Service.

The short version

1. This agreement

These Terms of Service ("Terms") are a binding agreement between you and Addtivity Data LLC, a limited liability company of Lexington, South Carolina ("Addtivity", "we", "us"). They govern the Addtivity Command suite of software — including Addtivity Finance for Windows and iOS and every other application we publish under the Addtivity name — together with this website and any documentation we supply (together, the "Software").

By installing, opening or using the Software, or by using this website, you accept these Terms. If you do not accept them, do not use the Software.

If you are accepting on behalf of a company or other organisation, you confirm you have authority to bind it, and "you" means that organisation.

2. Who may use it

You must be at least 13 years old to use the Software. If you are under the age of majority where you live, you may use it only with the involvement of a parent or guardian who accepts these Terms on your behalf.

You may not use the Software if you are barred from doing so under the laws of the United States or of your country of residence.

3. Your licence

We grant you a limited, personal, non-exclusive, non-transferable, revocable licence to install and use the Software:

• on devices you own or control;
• for your own purposes, personal or commercial, including operating your own business;
• for as long as you comply with these Terms.

This is a licence, not a sale. We keep every right we do not expressly grant here.

4. What you may not do

You may not:

• Sell, rent, lease, sublicense, or redistribute the Software, or present it as your own;
• Copy or modify the Software except as these Terms or applicable law permit;
• Reverse engineer, decompile or disassemble it, except to the extent the law expressly allows despite this restriction;
• Remove or obscure any notice of copyright, trademark or ownership;
• Use the Software to break the law, to infringe anyone's rights, or to store or process another person's data without the right to do so;
• Attempt to gain unauthorised access to our systems, or to anyone else's account or data;
• Interfere with the Software's operation, or with anyone else's use of it, including by introducing malicious code;
• Use automated means to overload or abuse any service the Software depends on.

5. Accounts

An account is optional. Every screen of Addtivity Finance works without one, and we do not gate features behind signing in.

If you do create an account, it exists to identify you across your own devices. It carries your identity, your list of devices and your app preferences. It does not carry your transactions, balances or receipts — see section 6 and the Privacy Policy.

You are responsible for the security of your account and for everything done through it. Tell us promptly if you believe it has been compromised. You may delete your account at any time from inside the app; deleting it removes it from our systems.

6. Your data and your backups

If you lose the device, reset it, or uninstall the app without exporting your data first, the records are gone. Signing in is not a backup, and the Software says so in writing wherever it could be mistaken for one.

Keeping your own backups of anything you would be sorry to lose is your responsibility.

You keep all rights in the data you enter. We claim no ownership of it and do not sell it, because in the ordinary case we never receive it.

7. Not financial advice

Projections, payoff schedules, budget suggestions, net-worth figures and calculator results are illustrations produced from the numbers and assumptions you enter. Real outcomes differ, often materially. Nothing in the Software takes account of your full circumstances, your tax position or your risk tolerance.

Before a decision that matters — borrowing, investing, filing, restructuring a debt, buying property — consult a licensed professional who knows your situation. You are responsible for the accuracy of what you enter and for every decision you take after reading what the Software shows you.

8. Price and changes to it

The Software is currently provided free of charge, with no advertising and no subscription. We may introduce paid features in future. If we do, we will say so clearly before you are asked to pay, and anything you already have will not silently start costing money.

9. Ownership

The Software, the Addtivity name and logo, the design of this website, and all related intellectual property are owned by Addtivity Data LLC or our licensors, and are protected by copyright, trademark and other laws. Nothing in these Terms transfers any of it to you.

Feedback you send us is welcome and is not confidential. If you send it, you allow us to use it without obligation or payment.

10. Third-party services

Some features depend on services we do not control — including Apple and Google for signing in, and our authentication and database provider. Your use of those services is governed by their own terms and privacy policies, and we are not responsible for how they operate, for their availability, or for anything they do with information you give them directly.

Links from the Software or this website to other sites are provided for convenience and are not an endorsement.

11. App stores

Where you obtain the Software from an app store or distribution platform — the Apple App Store, Google Play, or any other — you also agree to that platform's terms, and you must use the Software in a way those terms permit.

The platform is not a party to these Terms and is not responsible for the Software, except where stated in section 12.

12. Apple-specific terms

This section applies when you obtain an Addtivity application from the Apple App Store. It exists to satisfy Apple's minimum end-user licence requirements, and it prevails over anything inconsistent elsewhere in these Terms. In it, "Application" means the Addtivity application you obtained from the App Store.

1. Acknowledgement. These Terms are between you and Addtivity Data LLC only, not with Apple. Addtivity, not Apple, is solely responsible for the Application and its content.
2. Scope of licence. Your licence to use the Application is non-transferable and limited to Apple-branded products you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions, except that the Application may be accessed by other accounts associated with you through Family Sharing or volume purchasing.
3. Maintenance and support. Addtivity is solely responsible for providing any maintenance and support for the Application. Apple has no obligation whatsoever to furnish any maintenance and support services in relation to it.
4. Warranty. Addtivity is solely responsible for any product warranties, whether express or implied by law, to the extent they are not effectively disclaimed. If the Application fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price of the Application to you, if any. To the maximum extent permitted by law, Apple has no other warranty obligation whatsoever with respect to the Application, and any other claims, losses, liabilities, damages, costs or expenses attributable to a failure to conform to any warranty are Addtivity's sole responsibility.
5. Product claims. Addtivity, not Apple, is responsible for addressing any claims by you or a third party relating to the Application or your possession or use of it, including product liability claims, any claim that the Application fails to conform to a legal or regulatory requirement, and claims arising under consumer protection, privacy or similar legislation.
6. Intellectual property. If a third party claims the Application or your possession and use of it infringes their intellectual property rights, Addtivity, not Apple, is solely responsible for the investigation, defence, settlement and discharge of that claim.
7. Legal compliance. You represent and warrant that you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and that you are not listed on any U.S. Government list of prohibited or restricted parties.
8. Developer name and address. Addtivity Data LLC, 41 Boardwalk Lane, Lexington, South Carolina 29072, United States. Questions, complaints and claims about the Application go to hello@addtivitycommand.com.
9. Third-party terms. You must comply with any applicable third-party terms when using the Application.
10. Third-party beneficiary. Apple and Apple's subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance of them Apple will have the right — and is deemed to have accepted the right — to enforce these Terms against you as a third-party beneficiary.

13. Availability and updates

We may change, suspend or discontinue any part of the Software at any time. We may issue updates, and some may install automatically depending on your platform's settings. Updates may add, change or remove features.

Because your records are stored locally, discontinuing a service does not delete what is on your device — but a feature that depends on a service may stop working.

14. No warranty

The Software is provided "as is" and "as available", without warranty of any kind, whether express, implied or statutory. To the fullest extent permitted by law, we disclaim all implied warranties, including merchantability, fitness for a particular purpose, title and non-infringement.

We do not warrant that the Software will be uninterrupted, secure or error-free, that defects will be corrected, or that any figure, projection or calculation it produces is accurate or suitable for your purposes.

Some jurisdictions do not allow the exclusion of certain warranties. Where that is so, the exclusions above apply only to the extent the law permits, and you may have other rights that vary by jurisdiction.

15. Limits on liability

To the fullest extent permitted by law, Addtivity Data LLC and its members, officers and contractors will not be liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, lost revenue, lost data, business interruption, or financial decisions made in reliance on the Software — whether the claim is in contract, tort, or any other theory, and even if we were told such damages were possible.

Because the Software is supplied free of charge, our total aggregate liability for all claims relating to it is limited to the greater of the amount you actually paid us for it in the twelve months before the claim, or US $50.

Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so parts of this section may not apply to you.

16. Indemnification

You agree to indemnify and hold harmless Addtivity Data LLC and its members, officers and contractors from any claim, loss, liability, cost or expense (including reasonable legal fees) arising from your use of the Software, your breach of these Terms, or your violation of any law or of anyone else's rights.

17. Ending this

You may end this agreement at any time by uninstalling the Software and, if you created one, deleting your account.

We may suspend or end your licence if you materially breach these Terms, or if we are required to by law. Sections that by their nature should survive termination — ownership, disclaimers, liability limits, indemnification and governing law — survive it.

18. Changes to these terms

We may revise these Terms. When we make a material change we will update the "Last updated" date at the top of this page and, where it matters, say so in the Software. Continuing to use the Software after a revision takes effect means you accept it. If you do not, stop using the Software.

19. Governing law and disputes

These Terms are governed by the laws of the State of South Carolina, United States, without regard to its conflict-of-laws rules. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

You and we agree to the exclusive jurisdiction of the state and federal courts located in Richland County, South Carolina for any dispute arising out of these Terms or the Software, and each of us waives any objection to venue there.

Talk to us first. Before filing anything, please email hello@addtivitycommand.com describing the problem. Most things can be sorted out that way, and we will try in good faith to do so within 30 days.

Nothing here prevents either of us from bringing an individual claim in small claims court, or from seeking injunctive relief to protect intellectual property.

20. Export and government use

You may not export or re-export the Software except as permitted by United States law and the laws of the jurisdiction in which it was obtained. You represent that you are not located in an embargoed country and are not on any U.S. Government restricted-party list.

The Software is "commercial computer software" as defined in applicable U.S. federal regulations. Any use by the U.S. Government is governed solely by these Terms.

21. General

• Entire agreement. These Terms and the Privacy Policy are the whole agreement between us about the Software, and replace anything said before.
• Severability. If any provision is held unenforceable, the rest stays in force and the unenforceable part is narrowed to the minimum extent necessary.
• No waiver. If we do not enforce a provision, that is not a waiver of our right to enforce it later.
• Assignment. You may not assign these Terms without our written consent. We may assign them to an affiliate or in connection with a merger or sale of assets.
• Force majeure. Neither of us is liable for a failure caused by something genuinely beyond our reasonable control.
• Headings. Section headings are for reading convenience and have no legal effect.

22. Contact

Addtivity Data LLC
41 Boardwalk Lane, Lexington, South Carolina 29072, United States
hello@addtivitycommand.com

See also the Privacy Policy, which explains in detail what the Software stores, what leaves your device, and the rights you have over it.