Terms of Service

1. Acceptance of Terms

By downloading, installing, or using Ernie ("the App"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the App.

2. Description of Service

Ernie is a personal finance awareness tool designed to help you make more mindful purchasing decisions. The App converts prices into equivalent work hours based on your income, tracks items you're considering purchasing, and provides projections of potential savings growth. The App is provided as a tool for personal use and does not constitute financial advice.

3. No Account Required

Ernie does not require account creation, registration, or login. All data is stored locally on your device. You are responsible for the security of your device and any data stored within the App.

4. Permitted Use

You may use Ernie for personal, non-commercial purposes. You agree not to:

• Reverse engineer, decompile, or disassemble the App.
• Modify, adapt, or create derivative works based on the App.
• Redistribute, sell, or sublicense the App.
• Use the App for any unlawful purpose.

5. Financial Calculations Disclaimer

The calculations, projections, and estimates provided by Ernie are for informational and educational purposes only. They are based on simplified assumptions and should not be relied upon for actual financial planning or investment decisions. The App uses a default market return rate for investment projections which may not reflect actual market performance. Always consult a qualified financial advisor for personalized financial advice.

6. Intellectual Property

The App, including its design, features, code, graphics, and content, is protected by intellectual property laws. All rights not expressly granted in these Terms are reserved. "Ernie" and associated branding are our trademarks and may not be used without permission.

7. Data and Privacy

Your use of the App is also governed by our Privacy Policy. By using the App, you consent to the practices described therein. In summary, all your data remains on your device and is never transmitted to external servers.

8. Disclaimer of Warranties

The App is provided "as is" and "as available" without warranties of any kind, either express or implied. We do not warrant that the App will be uninterrupted, error-free, or free of harmful components. We make no guarantees regarding the accuracy of calculations or the suitability of the App for any particular purpose.

9. Limitation of Liability

To the fullest extent permitted by law, we shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, or savings arising from your use of or inability to use the App. Our total liability for any claims arising from your use of the App shall not exceed the amount you paid for the App, if any.

10. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective when posted with an updated "Last updated" date. Your continued use of the App after changes are posted constitutes acceptance of the modified Terms.

11. Termination

You may stop using the App at any time by uninstalling it from your device. We reserve the right to discontinue the App or restrict access to it at any time without notice.

12. Governing Law

These Terms shall be governed by and construed in accordance with applicable laws, without regard to conflict of law principles.

13. Contact

Questions about these Terms? Contact us at support@ernie.app