We are AJ Enterprises LLC (“Company,” “we,” “us,” “our”).
We operate the mobile application Clarity (the “App”), as well as any related products and services that link to these Legal Terms (the “Services”).

You can contact us by email at adam@moneyclarity.app or by mail at [insert your business mailing address].

These Legal Terms form a legally binding agreement between you and AJ Enterprises LLC. By accessing or using the Services, you acknowledge that you’ve read and agree to these Terms.
If you do not agree, you must stop using the Services immediately.

We may update these Terms from time to time. If we do, we will notify you via email at support@moneyclarity.app. Continued use of the Services means you accept the updated Terms.

The Services are intended for users 13 years or older. If you are under 18, you must have parental permission to use the Services.

We recommend keeping a copy of these Terms for your records.

The Services may not be available or legally permitted in all locations. If you use the Services from outside your region, you are responsible for complying with local laws.

The Services are not designed to comply with specialized regulations (e.g., HIPAA, FISMA). You cannot use the Services in a way that would require such compliance.

We own or license all rights to the App and Services, including:

• Source code
   
• Databases
   
• Functionality
   
• Software
   
• Website designs
   
• Audio, video, text, graphics, and images
   
• Trademarks and logos (“Marks”)
   
• All other related content (“Content”)
   

All Content and Marks are protected by copyright and trademark laws.

We provide the Services “AS IS” for your personal, non-commercial use only.

You may not copy, reproduce, sell, display, distribute, or otherwise use our Content or Marks for commercial purposes without our written permission.

If you wish to request permission, email adam@moneyclarity.app.

Any unauthorized use terminates your right to use the Services.

By using the Services, you represent that:

1. You have legal capacity and agree to these Terms.
    
2. You are at least 13 years old.
    
3. If you are a minor, you have parental permission.
    
4. You will not use automated tools (bots, scripts) to access the Services.
    
5. You will not use the Services for any unlawful purpose.
    
6. Your use complies with applicable laws.
    

If you provide false or incomplete information, we may suspend or terminate your access.

We may offer products or services for purchase through the App. You agree to provide current, complete, and accurate purchase and account information for all purchases made through the Services.

All payments are processed through Apple’s in-app purchase system, and you agree to follow Apple's payment terms. Prices may change at any time. We reserve the right to refuse any order.

Some of our Services may be offered as recurring subscriptions. When you sign up for a subscription, you authorize Apple to charge your payment method on a recurring basis until you cancel.
Apple handles:

• Billing
   
• Renewals
   
• Cancellations
   
• Refund decisions
   

You can manage or cancel your subscription through your Apple ID settings at any time.

You agree not to:

• Use the Services for illegal purposes
   
• Harass, abuse, or harm others
   
• Try to bypass, disable, or interfere with security features
   
• Copy, modify, or distribute the App or its content
   
• Reverse-engineer the App
   
• Use the App to upload viruses or harmful code
   
• Attempt unauthorized access to systems or networks
   
• Use automated tools (bots, scrapers)
   

Any violation may result in termination of your access.

If the App allows you to submit content (e.g., feedback, posts, suggestions), you agree that:

• You own or have rights to the content
   
• Your content does not violate any laws or rights
   
• Your content is not harmful, defamatory, hateful, obscene, or misleading
   

We may remove any content at our discretion.

By submitting content, you grant us a worldwide, unrestricted, royalty-free license to use, modify, reproduce, and distribute that content for any lawful purpose.

You waive any claims to compensation or acknowledgment.

If the App allows reviews:

• Reviews must be honest
   
• Reviews cannot be offensive, defamatory, or misleading
   
• Fake reviews or incentivized reviews are prohibited
   

We may remove reviews that violate these rules.

We grant you a limited, non-transferable license to install and use the App on devices you own or control, in accordance with Apple’s App Store Terms of Service.

You may not:

• Copy or modify the App
   
• Reverse-engineer or decompile the App
   
• Rent, lease, or sublicense the App
   
• Interfere with normal operation of the App
  

The Services may link to third-party websites or resources. We do not control or endorse these external sites and are not responsible for their content, policies, or practices.

If you choose to access third-party content, you do so at your own risk.

We reserve the right to:

• Monitor the Services
   
• Restrict access to any user
   
• Remove content that violates these Terms
   
• Suspend or terminate the App or features at any time
   

We may also update or modify the App for maintenance or improvements.

Your use of the Services is also governed by our Privacy Policy, which explains how we collect, use, and protect your information.
You can access it directly from the App or at your website's privacy policy page.

These Terms remain in effect while you use the App.
We may terminate your access at any time if you:

• Violate these Terms
   
• Engage in fraudulent or harmful activities
   
• Misuse the App or Services
   

Upon termination, you must stop using the App and delete it from your devices.

We may update, change, or remove parts of the Services at any time without notice.

We are not liable for:

• Downtime
   
• Bugs
   
• Maintenance intervals
   
• Service interruptions
   

You understand that updates may change features or user experience.

These Terms are governed by the laws of the State of Delaware, without regard to conflicts of law principles.

Any disputes arising from these Terms will be handled through binding arbitration or courts located in Delaware, unless otherwise required by law.

You waive the right to a jury trial.

There may occasionally be errors or inaccuracies in the App.
We reserve the right to correct, update, or change content at any time.

The Services are provided “AS IS” and “AS AVAILABLE.”
We make no warranties, express or implied, including:

• Fitness for a particular purpose
   
• Non-infringement
   
• Continuous availability
   
• Accuracy or reliability of information
   

Use the App at your own risk.

To the maximum extent permitted by law, we are not liable for:

• Lost profits
   
• Data loss
   
• Device damage
   
• Indirect, incidental, or consequential damages
   

Even if we have been advised of the possibility of such damages.

You agree to defend and indemnify us from any claims, damages, or losses arising from:

• Your use of the Services
   
• Your violation of these Terms
   
• Your infringement of third-party rights
  
   

We may store certain data that you transmit to the Services for operational purposes.
You are responsible for backing up your own data.
We are not responsible for data loss resulting from your use of the App.

By using the Services, you consent to receive electronic communications and agree that electronic agreements and signatures hold the same legal weight as physical ones.

If you are a California resident and your concerns are not resolved, you may contact:

California Department of Consumer Affairs
Consumer Information Division
1625 North Market Blvd, Suite N112
Sacramento, CA 95834
Phone: (800) 952-5210

These Terms are the complete agreement between you and us.
If any part of these Terms is deemed unenforceable, the rest remains valid.
Our failure to enforce a right does not waive that right.

If you have questions about these Terms, contact us at:

adam@moneyclarity.app