Terms of Service

1. Our Services

The information provided when using the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would be contrary to law or regulation. Those who access the Services from other locations do so on their own initiative and are solely responsible for compliance with local laws.

2. Intellectual Property Rights

Our Intellectual Property

We are the owner or licensee of all intellectual property rights in our Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics (collectively, the "Content"), as well as the trademarks, service marks, and logos contained therein (the "Marks").

Our Content and Marks are protected by copyright and trademark laws in the United States and around the world. The Content and Marks are provided through the Services "AS IS" for your personal, non-commercial use only.

Your Use of Our Services

Subject to your compliance with these Legal Terms, we grant you a non-exclusive, non-transferable, revocable license to access the Services and download or print a copy of any portion of the Content to which you have properly gained access, solely for your personal, non-commercial use.

No part of the Services and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose whatsoever, without our express prior written permission.

Any breach of these Intellectual Property Rights will constitute a material breach of our Legal Terms and your right to use our Services will terminate immediately.

3. User Representations

By using the Services, you represent and warrant that:

• All registration information you submit will be true, accurate, current, and complete
• You will maintain the accuracy of such information and promptly update it as necessary
• You have the legal capacity and agree to comply with these Legal Terms
• You are not a minor in the jurisdiction in which you reside
• You will not access the Services through automated or non-human means
• You will not use the Services for any illegal or unauthorized purpose
• Your use of the Services will not violate any applicable law or regulation

If you provide any information that is untrue, inaccurate, not current, or incomplete, we have the right to suspend or terminate your account and refuse any and all current or future use of the Services.

4. User Registration

You may be required to register to use the Services, including via email/password or sign-in with Google or Apple. You agree to keep your password confidential and will be responsible for all use of your account and password.

5. Purchases and Payment

Monthly Clarity offers optional paid subscription plans. All purchases are processed exclusively through Apple's App Store or Google Play billing systems, using RevenueCat as our subscription management platform. We do not collect, process, or store your credit card, debit card, or other payment information directly — your payment method is the one on file with your Apple ID or Google Play account, and is governed by Apple's and Google's respective payment terms and privacy policies.

All prices are listed in the currency displayed by the App Store or Google Play for your region. We may change subscription prices at any time; any price change affecting an active subscription will be communicated in accordance with Apple's and Google's applicable policies and, where required, your applicable law before it takes effect.

6. Subscriptions

Billing and Renewal

Subscriptions automatically renew at the end of each billing period (monthly or annual, depending on the plan you select) unless cancelled at least 24 hours before the end of the current period. Your payment method on file with Apple or Google will be charged for renewal within 24 hours prior to the end of the current period, at the price you agreed to when subscribing, unless prices change as described in Section 5.

Managing and Cancelling Your Subscription

Subscriptions are managed entirely through your Apple ID or Google Play account — not within the Monthly Clarity app itself. To cancel or manage your subscription:

• iOS: Go to Settings > [your name] > Subscriptions on your device, or visit the App Store and manage your subscriptions from your Apple ID
• Android: Open the Google Play Store app, tap your profile icon, go to Payments & subscriptions > Subscriptions, and select Monthly Clarity

Cancellation takes effect at the end of the current paid billing period; you will retain access to paid features until that date. We do not issue refunds directly — refund requests are handled by Apple or Google in accordance with their respective refund policies. If you have any questions, you can also email us at carlos.garcia@cgwebtech.com.

7. Prohibited Activities

You may not access or use the Services for any purpose other than that for which we make the Services available. As a user of the Services, you agree not to:

• Systematically retrieve data or other content from the Services to create or compile a collection, compilation, database, or directory without written permission from us
• Trick, defraud, or mislead us and other users, especially in any attempt to learn sensitive account information such as user passwords
• Circumvent, disable, or otherwise interfere with security-related features of the Services
• Disparage, tarnish, or otherwise harm, in our opinion, us and/or the Services
• Use any information obtained from the Services in order to harass, abuse, or harm another person
• Make improper use of our support services or submit false reports of abuse or misconduct
• Use the Services in a manner inconsistent with any applicable laws or regulations
• Engage in unauthorized framing of or linking to the Services
• Upload or transmit viruses, Trojan horses, or other material that interferes with any party's uninterrupted use of the Services
• Engage in any automated use of the system, such as using scripts to send comments or messages, or using data mining, robots, or similar data gathering tools
• Attempt to impersonate another user or person or use the username of another user
• Interfere with, disrupt, or create an undue burden on the Services or the networks connected to the Services
• Harass, annoy, intimidate, or threaten any of our employees or agents
• Attempt to bypass any measures of the Services designed to prevent or restrict access
• Except as permitted by applicable law, decipher, decompile, disassemble, or reverse engineer any of the software comprising the Services
• Use the Services to advertise or offer to sell goods and services
• Sell or otherwise transfer your account
• Scrape, copy, or redistribute any subscription data, pricing information, or content from the platform
• Use the platform to store or process financial data beyond personal subscription and bill tracking
• Share account credentials or allow multiple users to access a single account

8. Feedback and Submissions

If you send us feedback, bug reports, feature suggestions, or other comments about the Services ("Feedback"), you agree that we may use that Feedback to operate, improve, and develop the Services without any obligation to compensate you. We do not currently offer public reviews, comments, or other user-generated content features within the Services.

9. Mobile Application License

Use License

If you access the Services via the App, then we grant you a revocable, non-exclusive, non-transferable, limited right to install and use the App on wireless electronic devices owned or controlled by you, strictly in accordance with the terms and conditions of this mobile application license.

Apple and Android Devices

The following terms apply when you use the App obtained from either the Apple App Store or Google Play (each an "App Distributor"):

• The license granted to you for our App is limited to a non-transferable license to use the application on a device that utilizes the Apple iOS or Android operating systems
• We, not the App Distributor, are solely responsible for the App and its content, and for providing any maintenance and support services with respect to the App, as specified in these Legal Terms
• In the event of any failure of the App to conform to any applicable warranty, you may notify the applicable App Distributor, and they may refund the purchase price, if any, paid for the App; to the maximum extent permitted by applicable law, the App Distributor has no other warranty obligation with respect to the App
• You represent and warrant that you are not located in a country subject to a US government embargo or designated as a "terrorist supporting" country, and that you are not listed on any US government list of prohibited or restricted parties
• You acknowledge and agree that the App Distributors, and their subsidiaries, are third-party beneficiaries of these Legal Terms, and that each App Distributor will have the right to enforce these Legal Terms against you as a third-party beneficiary

10. Third-Party Websites and Content

The Services may contain links to other websites ("Third-Party Websites") as well as content originating from third parties ("Third-Party Content"). Such Third-Party Websites and Third-Party Content are not investigated, monitored, or checked for accuracy by us, and we are not responsible for them. Inclusion of, or linking to, any Third-Party Websites does not imply approval or endorsement by us.

11. Services Management

We reserve the right, but not the obligation, to:

• Monitor the Services for violations of these Legal Terms
• Take appropriate legal action against anyone who violates the law or these Legal Terms
• Remove from the Services or otherwise disable any content that is excessive in size or burdensome to our systems
• Otherwise manage the Services in a manner designed to protect our rights and property

12. Privacy Policy

We care about data privacy and security. Please review our Privacy Policy: https://monthlyclarity.com/privacy-policy/

By using the Services, you agree to be bound by our Privacy Policy, which is incorporated into these Legal Terms. The Services are hosted in the United States.

13. Copyright Infringements

We respect the intellectual property rights of others. If you believe that any material available on or through the Services infringes upon any copyright you own or control, please immediately notify us using the contact information provided below. Please be advised that pursuant to applicable law you may be held liable for damages if you make material misrepresentations in a notification.

14. Term and Termination

These Legal Terms shall remain in full force and effect while you use the Services.

If we terminate or suspend your account, you may delete your account and all associated data at any time as described in our Privacy Policy. If we terminate or suspend your account for any reason, you are prohibited from registering and creating a new account under your name, a fake or borrowed name, or the name of any third party.

15. Modifications and Interruptions

We reserve the right to change, modify, or remove the contents of the Services at any time or for any reason at our sole discretion without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuance of the Services. Changes to subscription pricing are governed by Section 5.

We cannot guarantee the Services will be available at all times. We may experience hardware, software, or other problems or need to perform maintenance related to the Services, resulting in interruptions, delays, or errors.

16. Governing Law

These Legal Terms and your use of the Services are governed by and construed in accordance with the laws of the State of Oklahoma applicable to agreements made and to be entirely performed within the State of Oklahoma, without regard to its conflict of law principles.

17. Dispute Resolution

Informal Negotiations

To expedite resolution and control the cost of any dispute, the Parties agree to first attempt to negotiate any dispute informally for at least 30 days before initiating arbitration. Such informal negotiations commence upon written notice from one Party to the other Party.

Binding Arbitration

If the Parties are unable to resolve a dispute through informal negotiations, the dispute will be finally and exclusively resolved by binding arbitration.

The arbitration shall be commenced and conducted under the Commercial Arbitration Rules of the American Arbitration Association (AAA). If arbitration costs are determined by the arbitrator to be excessive, we will pay all arbitration fees and expenses. The arbitration will take place in McCurtain, Oklahoma, unless otherwise agreed by the Parties or required by applicable law.

If for any reason a dispute proceeds in court rather than arbitration, the dispute shall be commenced or prosecuted in the state and federal courts located in McCurtain, Oklahoma.

This arbitration agreement is solely between you and us; it does not bind Apple Inc. or Google LLC, who are not parties to these Legal Terms.

Restrictions

Any arbitration shall be limited to the dispute between the Parties individually. No arbitration shall be joined with any other proceeding, and there is no right or authority for any dispute to be arbitrated on a class-action basis.

Exceptions to Informal Negotiations and Arbitration

The following disputes are not subject to the above provisions: any disputes seeking to enforce or protect intellectual property rights of a Party; any dispute related to allegations of theft, piracy, invasion of privacy, or unauthorized use; and any claim for injunctive relief.

18. Corrections

There may be information on the Services that contains typographical errors, inaccuracies, or omissions. We reserve the right to correct any errors, inaccuracies, or omissions and to change or update the information on the Services at any time, without prior notice.

19. Disclaimer

20. Limitations of Liability

NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO US DURING THE TWO (2) MONTH PERIOD PRIOR TO ANY CAUSE OF ACTION ARISING.

21. Indemnification

You agree to defend, indemnify, and hold us harmless, including our subsidiaries, affiliates, and all of our respective officers, agents, partners, and employees, from and against any loss, damage, liability, claim, or demand, including reasonable attorneys' fees and expenses, made by any third party due to or arising out of:

• Use of the Services
• Breach of these Legal Terms
• Any breach of your representations and warranties set forth in these Legal Terms
• Your violation of the rights of a third party, including but not limited to intellectual property rights
• Any overt harmful act toward any other user of the Services

22. User Data

We will maintain certain data that you transmit to the Services for the purpose of managing the performance of the Services. Although we perform regular routine backups of data, you are solely responsible for all data that you transmit or that relates to any activity you have undertaken using the Services. You agree that we shall have no liability to you for any loss or corruption of any such data.

23. Electronic Communications, Transactions, and Signatures

Visiting the Services, sending us emails, and completing online forms constitute electronic communications. You consent to receive electronic communications, and you agree that all agreements, notices, disclosures, and other communications we provide to you electronically satisfy any legal requirement that such communication be in writing.

24. California Users and Residents

If any complaint with us is not satisfactorily resolved, you can contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 North Market Blvd., Suite N 112, Sacramento, California 95834 or by telephone at (800) 952-5210 or (916) 445-1254.

25. Miscellaneous

These Legal Terms and any policies or operating rules posted by us on the Services constitute the entire agreement and understanding between you and us. Our failure to exercise or enforce any right or provision of these Legal Terms shall not operate as a waiver of such right or provision. If any provision or part of a provision of these Legal Terms is determined to be unlawful, void, or unenforceable, that provision is deemed severable from these Legal Terms and does not affect the validity and enforceability of any remaining provisions.

26. Contact Us

In order to resolve a complaint regarding the Services or to receive further information regarding use of the Services, please contact us at:

CG Web & Tech LLC
Monthly Clarity
United States
Email: carlos.garcia@cgwebtech.com
Website: https://monthlyclarity.com/contact