Terms of Service

1. About Apogee

Apogee is a personal finance planning and tracking application for individuals working toward Financial Independence and Retire Early ("FIRE") goals. The App connects to your financial accounts through Plaid, calculates net worth and savings rate, and projects your progress toward financial independence.

2. Eligibility

To use Apogee, you must:

• Be at least 18 years old
• Have the legal capacity to enter into a binding contract in your jurisdiction
• Not be barred from using the App under applicable laws or by us
• Not have previously had your Apogee account terminated for violations of these Terms

3. Your Account

3.1 Registration

You must provide accurate, complete, and current information when creating an account. You agree to keep this information updated.

3.2 Account Security

You are responsible for safeguarding your account credentials (Apple ID, email, password) and for all activity that occurs under your account. Notify us immediately at support@meridianstudio.world if you suspect unauthorized access.

3.3 One Account per Person

Each person may maintain only one Apogee account. Sharing accounts or selling access is prohibited.

4. License to Use the App

We grant you a limited, non-exclusive, non-transferable, revocable license to download, install, and use the App on Apple devices you own or control, solely for your personal, non-commercial use, subject to these Terms and Apple's Licensed Application End User License Agreement.

5. Subscriptions and Billing

5.1 Subscription Plans

Apogee offers auto-renewing subscription plans:

Pricing in other currencies is set by Apple based on regional equivalents.

5.2 Free Trial

New users who select the Annual plan receive a 7-day free trial. During the trial:

• Full App features are unlocked
• No charge until the trial ends
• You may cancel anytime via your Apple ID subscription settings to avoid being charged
• If you do not cancel, your subscription will automatically convert to a paid Annual subscription at the end of the trial

The Monthly plan does not include a free trial.

5.3 Auto-Renewal

Subscriptions automatically renew at the end of each billing period unless you cancel at least 24 hours before the end of the current period. Your Apple ID will be charged for renewal within 24 hours of the period ending.

5.4 How to Cancel

You can cancel your subscription at any time:

1. Open the Settings app on your iPhone or iPad
2. Tap your name → Subscriptions
3. Find Apogee and tap Cancel Subscription

Cancellation takes effect at the end of the current billing period. You will retain access until then.

5.5 Refunds

All purchases are processed by Apple. Refund requests are handled by Apple under its refund policy. Meridian Studio LLC does not directly process refunds.

5.6 Price Changes

We may change subscription prices in the future. We will notify you at least 30 days before any price change takes effect. You may cancel before the new price applies if you do not agree.

6. Financial Disclaimer

6.1 Not Financial Advice

The App, its features, calculations, projections, recommendations, suggestions, content, and any output you receive are for informational and educational purposes only. Nothing in the App constitutes:

• Personal financial advice
• Investment advice or recommendation of any security, fund, or financial product
• Tax advice
• Legal advice
• Insurance advice
• Retirement planning advice from a licensed professional
• Solicitation to buy or sell any financial product

6.2 No Fiduciary Relationship

Using Apogee does not create a fiduciary, advisory, or professional relationship between you and Meridian Studio LLC. We are a software publisher, not a financial firm.

6.3 Projections Are Estimates

All projections, forecasts, and "FIRE date" calculations in the App are estimates based on the inputs and assumptions you provide. They do not predict future results. Actual outcomes depend on market performance, inflation, your future earnings and spending, tax laws, and many other factors outside our control.

Past performance is not indicative of future results.

6.4 Your Responsibility

You are solely responsible for:

• All financial decisions you make
• Verifying the accuracy of data displayed (we obtain it from Plaid; we cannot guarantee Plaid's data is accurate or current)
• Consulting a licensed financial advisor, accountant, or attorney before making any significant financial decision based on information from the App

6.5 Savings Suggestions

The App may provide general savings tips or behavioral suggestions (e.g., "increase savings rate"). These are generic educational content, not personalized advice tailored to your specific situation, risk tolerance, or goals.

7. Third-Party Services

Apogee integrates with third-party services to function:

• Plaid — Account aggregation. Subject to Plaid's Terms and Plaid's End User Privacy Policy.
• Apple App Store — Distribution and billing. Subject to Apple's Terms.
• Supabase — Data hosting.
• RevenueCat — Subscription management.

We are not responsible for the acts, omissions, or content of third-party services. Issues with third-party services should be raised with the provider directly.

8. Acceptable Use

You agree not to:

• Reverse engineer, decompile, disassemble, or attempt to derive source code from the App
• Use the App for any commercial purpose (e.g., reselling access, providing financial services to your own clients) without our written permission
• Use automated systems (bots, scrapers, crawlers) to access the App or our servers
• Interfere with or disrupt the App's operation, security, or other users' use
• Upload or transmit viruses, malware, or harmful code
• Impersonate any person or misrepresent your identity
• Use the App in violation of any applicable law

Violations may result in immediate account termination without refund.

9. Intellectual Property

9.1 Our Property

The App, including its design, code, text, graphics, logos, trademarks, calculations, and content, is owned by Meridian Studio LLC and protected by U.S. and international intellectual property laws. We retain all rights not expressly granted to you.

9.2 Your Data

You retain all rights to the financial data and personal information you provide. By using the App, you grant us a worldwide, royalty-free, non-exclusive license to use, copy, store, process, and display your data solely to provide the App's services to you.

9.3 Feedback

If you send us feedback, suggestions, or ideas, you grant us the right to use them without compensation or attribution.

10. Privacy

Your use of the App is also governed by our Privacy Policy, which is incorporated into these Terms by reference.

11. Disclaimers and Warranties

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, whether express, implied, statutory, or otherwise. To the maximum extent permitted by law, we disclaim all warranties, including:

• Merchantability and fitness for a particular purpose
• Non-infringement
• Accuracy, reliability, or completeness of any data displayed
• Uninterrupted, secure, or error-free operation
• Compatibility with all devices or iOS versions

We do not warrant that the App will meet your specific requirements or that any defects will be corrected.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

• Meridian Studio LLC, its officers, members, employees, and contractors shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages — including loss of profits, savings, data, goodwill, or other intangible losses — arising from or related to your use of the App, even if we have been advised of the possibility of such damages.
• Our total cumulative liability to you for all claims arising from or related to the App shall not exceed the greater of (a) the total fees you paid to Meridian Studio LLC in the 12 months preceding the claim, or (b) USD $100.

Some jurisdictions do not allow the exclusion or limitation of certain damages. In those jurisdictions, our liability is limited to the maximum extent permitted by law.

13. Indemnification

You agree to indemnify, defend, and hold harmless Meridian Studio LLC and its officers, members, employees, and contractors from any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from:

• Your use of the App
• Your violation of these Terms
• Your violation of any third party's rights
• Your violation of any applicable law

14. Governing Law

These Terms are governed by the laws of the State of Louisiana, United States, without regard to its conflict of laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

15. Dispute Resolution

15.1 Informal Resolution First

Before filing any formal claim, you agree to contact us at support@meridianstudio.world and attempt to resolve the dispute informally. We will respond within 30 days. Most disputes can be resolved this way.

15.2 Binding Arbitration

If informal resolution fails, any dispute, claim, or controversy arising out of or relating to these Terms or the App shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules.

• The arbitration shall be conducted in Louisiana, United States (or by video conference if both parties agree)
• A single arbitrator shall preside
• The arbitrator's decision is final and binding
• Each party bears its own attorneys' fees and costs, unless the arbitrator decides otherwise

15.3 Class Action Waiver

You agree to bring claims only in your individual capacity, not as a plaintiff or class member in any class, collective, or representative action. Arbitrations may not be consolidated unless both parties agree in writing.

15.4 Small Claims Court Exception

Notwithstanding the above, either party may bring an individual action in small claims court if the claim qualifies.

15.5 Intellectual Property Exception

Claims of intellectual property infringement may be brought in any court of competent jurisdiction.

15.6 30-Day Opt-Out

You may opt out of arbitration by emailing support@meridianstudio.world within 30 days of first agreeing to these Terms with the subject "Arbitration Opt-Out" and your account email. Opt-outs do not affect any other part of these Terms.

16. Termination

16.1 Termination by You

You may stop using the App and delete your account at any time via the in-app settings or by emailing support@meridianstudio.world.

16.2 Termination by Us

We may suspend or terminate your account if:

• You violate these Terms
• We are required to do so by law
• We discontinue the App (in which case we will provide reasonable notice)

16.3 Effect of Termination

Upon termination:

• Your right to access the App ends immediately
• We will delete your data per our Privacy Policy
• Provisions that by their nature should survive (e.g., Sections 6, 9, 11, 12, 13, 14, 15) will survive termination

No refunds will be issued for the unused portion of any paid subscription period, except where required by law or Apple's refund policy.

17. Changes to These Terms

We may modify these Terms from time to time. If we make material changes, we will:

• Update the "Last Updated" date at the top
• Notify you via in-app message or email at least 30 days before the changes take effect
• For changes that materially reduce your rights, request your continued agreement

Continued use of the App after the effective date constitutes acceptance of the updated Terms. If you do not agree, you must stop using the App and cancel your subscription.

18. General Provisions

18.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Meridian Studio LLC regarding the App.

18.2 Severability

If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in full effect.

18.3 No Waiver

Our failure to enforce any right or provision is not a waiver of that right or provision.

18.4 Assignment

You may not assign or transfer these Terms. We may assign these Terms in connection with a merger, acquisition, or sale of all or substantially all of our assets.

18.5 Apple as Third-Party Beneficiary

Apple Inc. is a third-party beneficiary of these Terms and has the right to enforce them against you with respect to your use of the App on Apple devices.

18.6 No Joint Venture

Nothing in these Terms creates a partnership, joint venture, agency, or employment relationship between you and Meridian Studio LLC.

19. Contact

For questions about these Terms:

Meridian Studio LLC is a Louisiana limited liability company.