TERMS AND CONDITIONS

1. ACCEPTANCE OF TERMS

1.1. These Terms and Conditions ("Terms") govern your access to and use of the AllowanceGo mobile application ("AllowanceGo," the "App," "we," "us," or "our") and the features and services made available through it. By downloading, accessing, or using AllowanceGo, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. You must be at least 18 years old and legally able to enter into a contract to accept these Terms. If you are a parent or legal guardian allowing a child to use the App, you accept these Terms on the child's behalf, agree to these Terms in connection with such use and are responsible for supervising the child's use of AllowanceGo. If you do not agree to these Terms, you should not access or use the App. Certain features may also be subject to the applicable terms and conditions of Apple or other third-party services used in connection with AllowanceGo.

2. ELIGIBILITY AND PARENTAL SUPERVISION

2.1. AllowanceGo is designed for family use and may be used by children under the supervision of a parent or legal guardian. By allowing a child to access or use the App, the parent or legal guardian acknowledges and accepts responsibility for supervising the child's use of AllowanceGo, managing the child's profile and applicable settings, and making decisions regarding missions, rewards, pocket money, savings goals, backups, synchronisation and other family features.

2.2. Features intended for adults, including purchases, Family Plus activation, cloud backup settings, device synchronisation and private family sharing, must be managed or authorised by a parent, legal guardian or other responsible adult. Children should not make purchases or independently enable features that require adult authorisation.

2.3. Parents and legal guardians are responsible for determining whether AllowanceGo is appropriate for their child and for ensuring that the App is used in accordance with these Terms and any applicable household rules or legal requirements.

3. ABOUT THE APP

3.1. AllowanceGo is a gamified pocket-money and chores application designed to help families teach children about responsibility, saving, completing tasks and earning rewards. The App allows parents or guardians to create and manage missions or chores, award stars or money rewards for completed activities, track pocket money, establish savings goals, and allow children to personalise and upgrade their avatars as they progress.

3.2. AllowanceGo also offers optional features that may include backups, device synchronisation and family sharing across supported devices. Certain additional functionality is available through the AllowanceGo Family Plus upgrade, including multiple child profiles, Family Sync, unlimited custom and recurring missions, money rewards and multiple savings goals.

3.3. The App is intended to provide families with an organisational and educational tool. Parents and guardians retain control over the missions, rewards, pocket-money amounts, savings goals and other family arrangements created or recorded through AllowanceGo.

4. NO USER ACCOUNT REQUIRED

4.1. AllowanceGo does not require users to register or create an AllowanceGo account in order to use the App. Family and child profile information is generally created and stored locally on the device.

4.2. Certain optional features may require access to or authorisation through a third-party account. For example, iCloud features may require an Apple Account. These accounts are provided and managed by Apple and are not AllowanceGo accounts.

4.3. Users are responsible for maintaining the security of their devices and any Apple Accounts used in connection with optional AllowanceGo features. AllowanceGo is not responsible for unauthorised access resulting from a user's failure to reasonably secure their device or third-party account, subject to any rights or remedies that cannot be excluded under applicable law.

5. PARENT AND GUARDIAN RESPONSIBILITIES

5.1. Parents and legal guardians are responsible for supervising and managing their family's use of AllowanceGo. By allowing a child to use the App, the parent or guardian agrees to provide appropriate supervision and to ensure that the child's use of AllowanceGo is consistent with these Terms and any household rules established by the family.

5.2. Parents and guardians are responsible for creating and managing child profiles; establishing missions or chores; reviewing and approving completed missions where applicable; assigning stars, money rewards or other rewards; setting pocket-money amounts and savings goals; and managing the settings and features available to their family. Any missions, rewards, allowances or financial arrangements created within the App are determined solely by the family.

5.3. Parents and guardians are also responsible for managing adult-controlled features, including purchases, Family Plus, backups, device synchronisation, private family sharing and invitations to other authorised family members. Before sharing or synchronising a child's profile, the parent or guardian should ensure that access is granted only to individuals they trust and intend to involve in managing that child's AllowanceGo profile.

5.4. AllowanceGo provides tools to assist families in organising these activities but does not supervise individual family arrangements, verify whether missions have actually been completed, or enforce promises concerning pocket money, rewards or other arrangements between family members.

6. APP FEATURES AND FUNCTIONALITY

6.1. AllowanceGo allows families to create and manage missions or chores, award stars or other rewards, record pocket money, establish savings goals and track a child's progress. These features are intended to provide parents and guardians with an educational and organisational tool for teaching responsibility, saving and positive habits.

6.2. Parents and guardians are responsible for creating or approving missions, determining whether a mission has been satisfactorily completed, and deciding the type and amount of any stars, money rewards, pocket money or other rewards associated with a child's activities. AllowanceGo does not independently verify the completion of missions or determine whether a child is entitled to a particular reward.

6.3. Any pocket money, savings amounts, money rewards or balances displayed in the App are records created and managed by the family. They do not represent money deposited with, held by or transferred through AllowanceGo. AllowanceGo does not process payments between family members or guarantee that any recorded pocket money, reward or savings amount will actually be paid or provided.

6.4. Parents and guardians remain responsible for establishing and managing their own family arrangements regarding missions, rewards, pocket money and savings goals, including resolving any disagreement concerning completion, payment or fulfilment of those arrangements.

7. ALLOWANCEGO FAMILY PLUS, TRIAL AND PURCHASES

7.1. AllowanceGo offers an optional premium upgrade known as AllowanceGo Family Plus ("Family Plus"). Family Plus provides access to additional features that may include multiple child profiles, Family Sync, unlimited custom and recurring missions, money rewards, multiple savings goals, and other premium functionality identified within the App at the time of purchase.

7.2. Family Plus is normally offered to new customers as a monthly subscription. A one-time promotional offer may also be available as described in clause 7.8. Subscriptions are billed in advance through the Apple App Store and renew automatically at the end of each billing period unless cancelled in the App Store before the current period ends. Cancelling stops future renewals and keeps access until the end of the period already paid for. The price, billing period and renewal terms are shown through the App and the App Store before purchase.

7.3. On iOS, Family Sync may initially be made available through a seven (7) day trial, allowing eligible users to try the functionality before purchasing the applicable upgrade. The availability, duration and conditions of a trial may depend on the version of the App, device, platform or eligibility of the user. Any applicable purchase requirement or conditions following the trial will be displayed through the App or the relevant App Store interface.

7.4. Purchases must be made or authorised by a parent, legal guardian or other responsible adult. Children are not authorised to independently purchase Family Plus or other paid functionality through AllowanceGo. All purchase entry points in AllowanceGo sit behind a parental gate.

7.5. Purchases are processed through the Apple App Store. AllowanceGo does not directly process or store users' payment card or banking information. Transactions may therefore also be subject to the payment, purchase and other applicable terms of the platform through which the purchase is made.

7.6. AllowanceGo uses RevenueCat to manage purchase status and entitlements and to determine whether Family Plus functionality should be unlocked on an eligible installation or device. RevenueCat does not independently process the payment transaction made through the applicable app store.

7.7. Access to Family Plus may depend on successful verification of the applicable purchase or entitlement. Users may be able to restore an eligible previous purchase using the functionality provided by AllowanceGo or the applicable app store, subject to platform requirements and technical availability. Sharing a child's profile through Family Sync does not transfer Family Plus to the invited account; eligible purchases may be restored through Apple Family Sharing, subject to Apple's rules and the family's purchase-sharing settings. While the parent who shares a profile has an active Family Sync trial or Family Plus, invited family members do not need their own purchase to use Family Sync for that shared profile; this does not give them other Family Plus features.

7.8. One-time Family Plus purchases, including free promotional claims, permanently unlock all Family Plus features without a subscription. A promotional claim must be completed while the offer is available; the end of the offer does not remove access already claimed. We will not convert one-time purchases into subscriptions or charge again for those features. Claiming an offer does not cancel an existing subscription; cancel it separately in the applicable store to stop future renewals. We may change prices and paid options in future without removing these existing rights.

7.9. The specific features included with Family Plus may evolve as AllowanceGo is updated. Any material changes will be handled in accordance with these Terms and applicable consumer protection requirements, and nothing in this section limits any mandatory rights or remedies available to users under applicable law.

8. REFUNDS AND PURCHASE ISSUES

8.1. Purchases of AllowanceGo Family Plus are processed through the Apple App Store. Accordingly, requests for refunds, cancellations, payment disputes or other transaction-related matters are generally handled by the App Store in accordance with its refund procedures, terms and policies. Purchases made through Google Play in an earlier Android version of AllowanceGo remain subject to Google Play's refund procedures, terms and policies.

8.2. If you experience a technical issue with the activation, recognition or restoration of a Family Plus purchase, you may contact AllowanceGo using the contact information provided in these Terms. We may take reasonable steps to assist with verifying the applicable entitlement or restoring access to purchased features where technically possible.

8.3. Family Plus subscriptions are managed and cancelled through your Apple App Store account settings, not through AllowanceGo. Removing or uninstalling the App does not cancel a subscription, does not itself constitute a refund request and does not automatically reverse a completed purchase.

8.4. Nothing in these Terms excludes, restricts or otherwise affects any refund, cancellation or other consumer right that you may have under applicable law. Where mandatory consumer protection requirements provide rights beyond the policies of the applicable app store, those statutory rights remain unaffected.

9. ACCEPTABLE USE

9.1. You agree to use AllowanceGo only for lawful, personal and family purposes and in accordance with these Terms. Parents and legal guardians are responsible for helping ensure that children under their supervision use the App appropriately.

9.2. When using AllowanceGo, you must not:

• use the App for any unlawful, fraudulent, abusive or harmful purpose;
• attempt to gain unauthorised access to the App, its systems, features, data or any connected service;
• interfere with, disrupt, damage or impair the normal operation, security or functionality of AllowanceGo;
• introduce viruses, malicious code or other technology intended to damage or interfere with the App or a user's device;
• circumvent, disable or manipulate security controls, purchase verification, Family Plus entitlements or other technical restrictions;
• reverse engineer, decompile, disassemble, copy or modify the App except to the extent such activity is expressly permitted by applicable law;
• use automated systems, scripts or similar methods to access or interact with the App in an unauthorised manner;
• use AllowanceGo in a way that infringes the intellectual property, privacy or other rights of another person; or
• misuse Family Sync, backups, private family sharing or other features to access or share information without appropriate authorisation.

9.3. AllowanceGo may take reasonable measures to protect the security and integrity of the App where misuse, unauthorised access or a violation of these Terms is identified. Any such measures will be subject to applicable law and will not limit any mandatory rights available to users.

10. INTELLECTUAL PROPERTY RIGHTS

10.1. AllowanceGo and all intellectual property associated with the App, including its software, source and object code, design, interface, graphics, illustrations, icons, avatars, visual elements, text, features, functionality, trademarks, logos and other original materials, are owned by or licensed to AllowanceGo and are protected by applicable intellectual property laws.

10.2. Except for the limited right to use the App in accordance with these Terms, no ownership or intellectual property rights in AllowanceGo are transferred to users. You may not copy, reproduce, distribute, publish, modify, create derivative works from, sell, license, commercially exploit or otherwise use any part of the App without prior authorisation, except where expressly permitted by applicable law.

10.3. Information entered by users for their family's use, including child profile information, missions, goals, rewards and other family-created information, remains the property of the applicable user or rights holder. AllowanceGo does not claim ownership of such information merely because it is created, entered, stored or used through the App.

11. LICENCE TO USE THE APP

11.1. Subject to your compliance with these Terms, AllowanceGo grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable and revocable licence to download, install and use the App on compatible devices that you own or control, solely for personal and family purposes.

11.2. This licence permits you to use the features made available to you through AllowanceGo, including any Family Plus features for which a valid purchase or entitlement has been obtained. The licence does not grant you any ownership interest in the App or any right to commercially exploit, distribute, reproduce, modify, sublicense, sell, rent, lease or otherwise make the App available to third parties, except where expressly permitted by these Terms or applicable law.

11.3. Your use of AllowanceGo may also be subject to the usage rules and licence requirements of the Apple App Store. Where applicable, those platform requirements apply in addition to these Terms.

12. APP STORE TERMS

12.1. AllowanceGo may be downloaded through the Apple App Store. By downloading or using the App through the App Store, you acknowledge that your use of the App Store is also subject to the terms, conditions and policies established by Apple.

12.2. Apple is responsible for the operation of the App Store and may process purchases, refunds, downloads, updates and other platform-related services in accordance with its own terms and policies. AllowanceGo is responsible for the App and its content, except for services or functionality that are provided directly by the platform or another third-party provider.

12.3. You are responsible for complying with the App Store usage rules when downloading, installing or using AllowanceGo. In the event of a conflict between these Terms and any mandatory terms imposed by the App Store, those mandatory platform requirements will apply to the extent required.

12.4. The following additional terms apply where you obtained AllowanceGo from the Apple App Store. These Terms are between you and AllowanceGo only, not with Apple. Apple is not responsible for the App or its content.

12.5. Your licence to use the App is limited to a non-transferable licence to use AllowanceGo on any Apple-branded product that you own or control, as permitted by the App Store Terms of Service.

12.6. AllowanceGo, not Apple, is solely responsible for providing any maintenance and support for the App. Apple has no obligation to provide maintenance or support.

12.7. In the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for the App to you. To the maximum extent permitted by law, Apple has no other warranty obligation with respect to the App.

12.8. AllowanceGo, not Apple, is responsible for addressing any claim by you or a third party relating to the App or your use of it, including product liability claims, any claim that the App fails to conform to a legal or regulatory requirement, and claims arising under consumer protection or similar legislation.

12.9. AllowanceGo, not Apple, is responsible for the investigation, defence, settlement, and discharge of any third-party claim that the App infringes that third party's intellectual property rights.

12.10. You represent 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 on any US Government list of prohibited or restricted parties.

12.11. You must comply with any applicable third-party terms of agreement when using the App.

12.12. Apple and Apple's subsidiaries are third-party beneficiaries of these Terms, and Apple has the right to enforce these Terms against you as a third-party beneficiary.

12.13. Questions, complaints, or claims about the App should be sent to support@allowancego.app.

12.14. Where you obtained an earlier Android version of AllowanceGo from Google Play, these Terms are between you and AllowanceGo only, not with Google. Google is not responsible for the App or its content, and your use of that version is also subject to the Google Play Terms of Service.

13. EDUCATIONAL PURPOSE AND NO FINANCIAL ADVICE

13.1. AllowanceGo is designed as an educational and organisational tool to help families introduce children to concepts such as responsibility, earning rewards, pocket money, saving and setting goals. The App does not provide banking, payment, investment, accounting, tax or financial advisory services, and nothing displayed or recorded through AllowanceGo should be interpreted as professional financial advice.

13.2. Pocket-money amounts, savings balances, rewards and other monetary information shown within the App are records created and managed by the family and do not represent funds held, transferred, deposited or managed by AllowanceGo. The App is not a bank, financial institution, digital wallet or money-transfer service.

13.3. Parents and guardians remain solely responsible for determining appropriate pocket-money arrangements, rewards, savings goals and other financial decisions for their family. Any decisions made based on information displayed through AllowanceGo remain the responsibility of the applicable parent or guardian.

14. LOCAL DATA AND OPTIONAL CLOUD BACKUP

14.1. AllowanceGo stores core budgeting and planning information locally on your device.

14.2. AllowanceGo offers optional backup to your own Apple Account, and an optional setting that keeps your own devices in sync. These features are off unless a parent or guardian turns them on, and can be turned off at any time.

14.3. AllowanceGo does not provide accounts on our servers and does not store your budgeting data on our servers. Backups are held in your own Apple Account, under Apple's terms and privacy policies.

14.4. On iOS, a parent can invite other Apple accounts to sync a selected child's profile through private iCloud sharing (CloudKit). Invited accounts receive and update that profile's money records, goals, missions, rewards and avatar choices. We cannot read this data. Parent PINs, purchase records and other children's profiles are excluded.

14.5. Invite only intended family members and review access regularly. Sync and alerts may be delayed or unavailable; check pending approvals in the app.

14.6. If you delete the app, clear app data, or use an in-app reset or clear feature, locally stored data may be removed. Backups held in your own Apple Account remain there until you delete them, which you can do in the app under Backup history.

14.7. Disconnecting removes shared access but keeps downloaded copies and the owner's CloudKit records, including approval signals. Deleting a profile in the app on the owner's device also deletes that profile's CloudKit records, including its sharing and alert records. Other devices lose access, but a copy already downloaded to another device stays there until it is removed on that device. Backup history deletes backup files only. Pause stops sync on this device; other devices and alerts may continue. Disconnect devices before deleting cloud data to prevent re-upload.

14.8. Backups are a safety copy, not a guarantee. You are responsible for keeping your own copies of anything you cannot afford to lose.

15. PRIVACY

15.1. Your privacy and the protection of family information are important to AllowanceGo. Our collection, use, storage and handling of information in connection with the App are described in our Privacy Policy. Because AllowanceGo may be used by children under the supervision of a parent or legal guardian, we also provide a Children's Privacy Notice explaining in simpler language how children's information is handled. By using AllowanceGo, you acknowledge that you have had the opportunity to review these privacy notices and understand the privacy practices applicable to your use of the App.

16. INTERNET CONNECTION AND EXTERNAL LINKS

16.1. Some app features use an internet connection, such as checking whether a newer app version is available, downloading the current text of these Terms, the Privacy Policy and the Children's Privacy Notice from allowancego.app, opening the app's store listing, uploading or downloading a backup if you have turned cloud backup on, making or restoring purchases, and receiving app updates.

16.2. Private iCloud sharing and Apple approval notifications also use the internet.

16.3. These features do not send your budgeting, savings, spending, transaction, goal, chore, reward, or avatar information to us.

16.4. You are responsible for any mobile data charges, roaming charges, or other fees charged by your network provider.

16.5. Where the app opens an external website, app store page, or third-party service, that external service may have its own terms and privacy policy.

17. APP AVAILABILITY AND UPDATES

17.1. We may update, improve, modify, suspend, or discontinue features of AllowanceGo from time to time.

17.2. We do not guarantee that the app will always be available, error-free, secure, or compatible with every device or operating system version.

18. ENDING THESE TERMS

18.1. You may end these Terms at any time by deleting the app from your devices.

18.2. We may suspend or end your right to use the app if you materially break these Terms. Where it is reasonable to do so, we will give you notice first.

18.3. Ending these Terms does not affect any purchase you have already made, or any right or liability that arose before they ended.

19. DISCLAIMER OF WARRANTIES

19.1. AllowanceGo is provided on an "as available" basis. While we aim to provide a reliable and functional experience, we do not guarantee that the App will always be uninterrupted, error-free, compatible with every device or operating system, or that all features, backups, notifications, synchronisation or third-party services will always operate without interruption or delay.

19.2. Users are responsible for maintaining appropriate backups where available and for verifying important family information recorded in the App. AllowanceGo does not guarantee that locally stored, backed-up or synchronised information will never be lost, corrupted, delayed or unavailable due to device failure, connectivity issues, software updates, user actions or circumstances involving third-party services.

19.3. To the fullest extent permitted by applicable law, any warranties, representations or conditions not expressly stated in these Terms are excluded. However, nothing in these Terms excludes, restricts or modifies any warranty, statutory right, consumer guarantee or other protection that cannot lawfully be excluded, restricted or modified. This includes, where applicable, mandatory consumer rights and protections available to users in the United Kingdom, European Economic Area (EEA), Taiwan, Australia, New Zealand, Canada, Switzerland, Hong Kong, Singapore, Japan and South Korea, as well as any other jurisdiction in which AllowanceGo is lawfully made available.

20. LIMITATION OF LIABILITY

20.1. To the fullest extent permitted by applicable law, AllowanceGo and its owners, developers, affiliates, licensors and service providers will not be liable for indirect, incidental, special, consequential or similar losses arising from or related to the use of, or inability to use, the App, including losses resulting from interruptions, device failures, loss or corruption of locally stored information, unsuccessful backups or synchronisation, or the unavailability or malfunction of third-party services.

20.2. AllowanceGo provides tools that allow families to record and manage missions, rewards, pocket money, savings goals and related information, but does not hold or transfer funds, guarantee the completion of missions, or assume responsibility for financial or reward arrangements made between family members. Parents and guardians remain responsible for decisions and arrangements made through or with reference to the App.

20.3. AllowanceGo relies on services provided by third parties, including Apple and RevenueCat. While reasonable measures may be taken to support the proper operation of the App, AllowanceGo cannot guarantee the continuous availability, performance or security of services or infrastructure controlled by third parties and will not be responsible for failures attributable solely to such third-party systems where permitted by applicable law.

20.4. Nothing in these Terms excludes or limits liability where doing so would be unlawful, including liability for death or personal injury caused by negligence, for fraud, or liability that cannot be excluded or restricted under applicable consumer protection law. Nothing in this section affects any mandatory statutory rights or remedies available to consumers in their country of residence.

21. CHANGES TO THESE TERMS

21.1. We may update or modify these Terms from time to time to reflect changes to AllowanceGo, its features, applicable legal requirements, third-party services or our business practices. When changes are made, we will update the effective or "Last Updated" date and make the revised Terms available through the App or another appropriate method.

21.2. Where a change is material or where required by applicable law, we will provide reasonable notice before the revised Terms take effect and, where necessary, request renewed acceptance or consent. Changes will not apply retroactively where prohibited by law and will not limit any mandatory rights or remedies available to consumers.

21.3. Your continued use of AllowanceGo after updated Terms become effective constitutes acceptance of the revised Terms where permitted by applicable law. If you do not agree with the updated Terms, you should discontinue use of the App.

22. GOVERNING LAW

22.1. These Terms and any dispute, claim or matter arising out of or relating to AllowanceGo, including any non-contractual dispute or claim, shall be governed by and construed in accordance with the laws of England and Wales, without regard to conflict-of-law principles that would require the application of another jurisdiction's laws.

22.2. Subject to any mandatory rights available to consumers under applicable law, the courts of England and Wales shall have jurisdiction over disputes arising out of or relating to these Terms or the use of AllowanceGo.

22.3. AllowanceGo may be made available to users in the United Kingdom, European Economic Area (EEA), Taiwan, Australia, New Zealand, Canada, Switzerland, Hong Kong, Singapore, Japan, South Korea, and other jurisdictions in which the App is lawfully offered. If you are a consumer residing in any of these jurisdictions, the choice of the laws and courts of England and Wales does not deprive you of any mandatory consumer rights, statutory protections, remedies, or jurisdictional rights that cannot lawfully be excluded, restricted, or waived by contract under the laws applicable to you.

22.4. Where applicable law gives you the right to bring a claim before the courts, tribunals, regulatory authorities, consumer protection bodies, or other competent authorities of your country or place of residence, or otherwise requires a dispute to be resolved under mandatory local rules, those rights and requirements will remain unaffected.

22.5. Nothing in these Terms is intended to exclude or restrict any mandatory consumer protection or remedy available under the applicable laws of the UK, EEA Member States, Taiwan, Australia, New Zealand, Canada, Switzerland, Hong Kong, Singapore, Japan, South Korea, or any other jurisdiction in which such protections must apply notwithstanding the choice of law or jurisdiction contained in these Terms.

23. GENERAL PROVISIONS

23.1. These Terms, together with any policies or additional terms expressly incorporated by reference, constitute the agreement governing your use of AllowanceGo with respect to the matters addressed herein.

23.2. If any provision of these Terms is found to be invalid, unlawful or unenforceable by a court or competent authority, that provision will be interpreted or limited to the minimum extent necessary, and the remaining provisions will continue in full force and effect.

23.3. If AllowanceGo does not immediately exercise or enforce any right or remedy under these Terms, this will not constitute a waiver of that right or remedy. Any waiver will apply only to the specific circumstances for which it is given and will not constitute a continuing waiver.

23.4. You may not assign or transfer your rights or obligations under these Terms without our prior consent where such restriction is permitted by applicable law. We may transfer our rights or obligations in connection with a reorganisation, merger, acquisition, transfer of the App or similar business transaction, provided that doing so does not reduce any mandatory rights available to you under applicable law.

23.5. Nothing in these Terms is intended to create a partnership, joint venture, employment, agency or similar relationship between AllowanceGo and its users. Any provisions which by their nature are intended to remain effective after termination or discontinuation of use will survive to the extent necessary to give them effect.

24. CONTACT INFORMATION

24.1. If you have questions or concerns about these terms, please contact us through our contact information below:

AllowanceGo, operated by Samie Syed, 61A Bridge Street, Kington, Herefordshire, HR5 3DJ, United Kingdom.

E-mail: support@allowancego.app