Terms of Service

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and ikoniq studio ("we", "us", "our"), based in the Netherlands, regarding your use of the PennyPush mobile application ("App"). By downloading, installing, accessing, or using the App, you agree to be bound by these Terms. If you do not agree, do not use the App.

These Terms apply to all users who access or use the App.

2. Description of Service

PennyPush is a mobile application that provides:

• Daily investing-focused affirmations to build financial confidence
• Weekly habit tracking to develop consistent investing routines
• Gamified rewards (pennies and perfect weeks) for habit completion
• Personalized onboarding based on your investing mindset and goals
• Bite-sized investing education content
• Streak tracking for daily and weekly engagement

We reserve the right to modify, suspend, or discontinue any part of the App at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the App.

3. Eligibility

You must be at least 13 years of age (or the applicable age of digital consent in your jurisdiction) to use this App. By using the App, you represent and warrant that you meet this age requirement. If you are under 18, you represent that you have obtained parental or guardian consent to use this App.

4. License Grant and Restrictions

4.1 License

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to download, install, and use the App on devices you own or control, solely for your personal, non-commercial use.

4.2 Restrictions

You agree NOT to:

• Modify, reverse engineer, decompile, disassemble, or create derivative works of the App
• Remove, alter, or obscure any proprietary notices from the App
• Use the App for any illegal, harmful, or unauthorized purpose
• Attempt to gain unauthorized access to any part of the App or its systems
• Use automated scripts, bots, or similar tools to access the App
• Interfere with or disrupt the App's functionality
• Reproduce, distribute, publicly display, or create derivative works from the App's content
• Sell, rent, lease, sublicense, or transfer your rights to use the App
• Extract, copy, or redistribute the affirmation content library
• Impersonate any person or entity
• Upload or transmit viruses, malware, or other malicious code
• Violate any applicable laws, regulations, or third-party rights

5. User Data

5.1 Local Storage

PennyPush does not require account registration. All personal data — including habits, streaks, saved affirmations, and preferences — is stored locally on your device. We do not operate a backend server that stores your personal information.

5.2 Analytics

By using the App, you acknowledge that anonymized usage data and onboarding responses are sent to our analytics provider (PostHog, EU-hosted) as described in our Privacy Policy.

5.3 Accuracy of Information

You agree to provide accurate and current information during the onboarding process.

6. Premium Subscriptions

6.1 Subscription Terms

Certain features of the App require a paid subscription ("Premium Features"). Subscriptions are processed through Apple's App Store and are subject to Apple's terms and conditions.

6.2 Payment

• Subscriptions are charged to your Apple App Store account
• Payment will be charged upon confirmation of purchase
• Subscriptions automatically renew unless auto-renew is turned off at least 24 hours before the end of the current period
• Your account will be charged for renewal within 24 hours prior to the end of the current period
• You can manage or cancel your subscription through your Apple ID settings (Settings → your name → Subscriptions)

6.3 Free Trials

We may offer free trial periods for Premium Features. You will be charged once the trial period ends unless you cancel before the trial expires. We reserve the right to modify or cancel free trial offers at any time.

6.4 Changes to Pricing

We reserve the right to change subscription pricing at any time. For existing subscribers, price changes will not apply to your current subscription period. We will provide reasonable notice before any price increase takes effect.

6.5 Refunds

Refund requests are handled by Apple in accordance with their refund policy. To request a refund, visit reportaproblem.apple.com.

8. Mental Health Disclaimer

The affirmations and motivational content in PennyPush are intended for general encouragement only. They are not a substitute for professional mental health support. If you are experiencing financial stress, anxiety, or any mental health concerns, please seek help from a qualified professional.

Emergency contacts:

• Netherlands: 113 (Zelfmoordpreventie) or 112 (Emergency)
• EU: 112 (European Emergency Number)
• United States: 988 (Suicide & Crisis Lifeline) or 911

9. Intellectual Property

9.1 Ownership

The App, including all content, features, functionality, software, design, text, graphics, logos, affirmation library, and underlying technology, is owned by ikoniq studio and is protected by copyright, trademark, and other intellectual property laws.

9.2 Affirmation Content

The curated affirmation library is proprietary content of ikoniq studio. You may not reproduce, distribute, or extract the affirmations for use outside of the App without prior written permission.

9.3 Trademarks

"PennyPush" and associated logos are trademarks of ikoniq studio. You may not use these trademarks without prior written permission.

10. Third-Party Services

The App integrates with third-party services including PostHog (analytics), Formspark (feedback), RevenueCat (subscriptions), and Apple App Store (distribution and payments). We are not responsible for:

• The availability, accuracy, or content of third-party services
• Third-party privacy practices or terms of service
• Any damages or losses caused by third-party services

Your use of third-party services is governed by their respective terms and privacy policies.

11. Disclaimer of Warranties

To the maximum extent permitted by law (subject to mandatory consumer protection laws for EU consumers), the App is provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to:

• Implied warranties of merchantability, fitness for a particular purpose, and non-infringement
• Warranties regarding accuracy, reliability, or completeness of content, including affirmations and educational material
• Warranties that the App will be uninterrupted, secure, or error-free
• Warranties regarding the results obtained from using the App, including any financial or personal outcomes

EU Consumer Notice: If you are an EU consumer, this disclaimer does not affect your statutory rights under applicable consumer protection laws, including rights to conformity of digital content and services under Directive (EU) 2019/770.

12. Limitation of Liability

12.1 EU Consumer Notice

For EU consumers, nothing in these Terms excludes or limits our liability for:

• Death or personal injury caused by our negligence
• Fraud or fraudulent misrepresentation
• Any liability that cannot be excluded or limited under applicable consumer protection laws
• Breach of the mandatory conformity requirements under EU law

12.2 Exclusion of Damages

Subject to Section 12.1, we shall not be liable for any indirect, incidental, special, consequential, punitive, or exemplary damages, including but not limited to:

• Financial losses, investment losses, or loss of expected returns
• Loss of profits, revenue, or data
• Loss of goodwill or reputation
• Personal injury or emotional distress (except where caused by our negligence)
• Any other intangible losses
• Damages arising from reliance on any content, affirmation, or information in the App

12.3 Maximum Liability

Subject to Section 12.1, our total liability to you for all claims arising out of or relating to these Terms or your use of the App shall not exceed the greater of: (a) the amount you paid to us in the twelve (12) months preceding the claim, or (b) fifty euros (€50.00).

12.4 Essential Purpose

You acknowledge that these limitations of liability are an essential element of the agreement between you and us, and that we would not provide the App without these limitations, except where such limitations are prohibited by mandatory consumer protection laws.

13. Indemnification

To the extent permitted by applicable law, you agree to defend, indemnify, and hold harmless ikoniq studio and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising from:

• Your use of the App
• Your violation of these Terms
• Your violation of any third-party rights
• Any financial decisions you make based on or influenced by the App's content

EU Consumer Notice: This indemnification clause does not apply to the extent it would be considered unfair under EU consumer protection laws.

14. Termination

14.1 Termination by You

You may stop using the App and delete it from your devices at any time. Deleting the App does not automatically cancel paid subscriptions — you must cancel through your Apple ID settings.

14.2 Termination by Us

We may terminate or suspend your access to the App immediately, without prior notice or liability, if you breach these Terms. Upon termination, your right to use the App will immediately cease.

14.3 Effect of Termination

Upon termination:

• All licenses granted to you will immediately terminate
• You must cease all use of the App and delete it from your devices
• Locally stored data will remain on your device until you uninstall the App
• Provisions that by their nature should survive termination shall survive, including intellectual property, disclaimers, limitation of liability, and indemnification

15. Governing Law and Disputes

15.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Netherlands, without regard to conflict of law provisions. For EU consumers, this does not deprive you of the protection of mandatory consumer laws of your country of residence.

15.2 Dispute Resolution

Any disputes arising from these Terms shall first be attempted to be resolved through good faith negotiations. If negotiations fail, disputes shall be submitted to the competent courts in the Netherlands, without prejudice to the right of EU consumers to bring proceedings in their country of residence.

15.3 European Online Dispute Resolution

EU consumers may use the European Online Dispute Resolution platform at ec.europa.eu/consumers/odr.

16. Geographic Availability

The App is controlled and operated from the Netherlands and is available internationally. We make no representation that the App is appropriate or available for use in all locations. Users outside the European Union access the App at their own risk and are responsible for compliance with local laws.

17. Feedback

We welcome feedback, comments, and suggestions for improvements to the App ("Feedback"). If you submit Feedback, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use, modify, and incorporate such Feedback into our products and services without restriction or compensation.

18. Apple-Specific Terms

If you access the App via Apple's App Store, you acknowledge that:

• These Terms are between you and ikoniq studio, not Apple
• Apple has no obligation to provide maintenance or support services for the App
• Apple is not responsible for addressing any claims relating to the App
• Apple is a third-party beneficiary of these Terms and may enforce them

19. Severability

If any provision of these Terms is held to be invalid or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

20. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and ikoniq studio regarding the use of the App and supersede all prior agreements and understandings.

21. Changes to These Terms

We may revise these Terms from time to time. The "Effective Date" at the top indicates when they were last revised. Material changes will be communicated through the App. Your continued use of the App after changes become effective constitutes acceptance of the revised Terms.

22. Contact Information

For questions or concerns regarding these Terms, please contact us:

PennyPush — operated by ikoniq studio
Email: [email protected]
Website: pennypush.ikoniqstudio.com

For EU consumers exercising their legal rights, please clearly indicate the nature of your request in the subject line.

23. Acknowledgment

By using PennyPush, you acknowledge that you have read these Terms of Service, understand them, and agree to be bound by them. If you do not agree to these Terms, you must not access or use the App.