Terms of Service

These Terms of Service (“Terms”) govern your use of the mobile applications and digital products (collectively, the “Services”) developed and operated by ChesKat Enterprises LLC, a Colorado limited liability company (“we,” “us,” or “our”). By downloading, accessing, or using any of our Services, you agree to be bound by these Terms. If you do not agree, do not use our Services.

1. Acceptance of Terms

By downloading or using any of our Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you are using our Services on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

2. What Our Services Provide

ChesKat Enterprises LLC develops mobile applications and digital tools focused on personal finance, productivity, and lifestyle. Our applications provide reference, tracking, and utility features designed to help users make informed decisions and manage daily tasks. Our Services do not provide financial, investment, legal, or tax advice. Nothing in any of our applications constitutes a recommendation to take or refrain from taking any financial action. All decisions regarding finances and personal matters are solely your responsibility. Information presented in our applications is provided for informational purposes only and may not reflect the most current terms, conditions, or requirements from third-party providers. Always verify details directly with the relevant provider before making decisions.

3. Data Accuracy

We strive to keep information in our applications accurate and up to date, but third-party terms, conditions, and offerings change frequently and without notice. ChesKat Enterprises LLC cannot and does not guarantee that any information in our Services is current, complete, or accurate. ChesKat Enterprises LLC is not responsible for any losses, missed opportunities, or other damages resulting from reliance on information in our Services.

4. Premium Subscriptions and Purchases

Certain applications may offer premium subscriptions or in-app purchases at prices listed in the applicable app store. Payment is charged to your platform account (e.g., Apple ID) at confirmation of purchase. Subscriptions automatically renew at the end of each billing period unless canceled at least 24 hours before the renewal date. You can manage or cancel your subscription at any time through your device's settings. No refunds are issued for partial subscription periods. Prices are subject to change; any price changes will take effect at the next renewal period.

5. Limitation of Liability

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, whether express, implied, statutory, or otherwise. To the maximum extent permitted by applicable law, ChesKat Enterprises LLC disclaims all warranties including merchantability, fitness for a particular purpose, and non-infringement. In no event shall ChesKat Enterprises LLC, its officers, employees, or affiliates be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, missed opportunities, or any financial losses arising from your use of or reliance on our Services. Our total cumulative liability shall not exceed the amount you paid to us in the twelve months preceding the claim, or one hundred dollars ($100), whichever is greater.

6. User Conduct

You agree not to:

• Use our Services for any unlawful purpose
• Attempt to reverse engineer, decompile, or extract source code from our Services
• Use automated means to access our Services
• Interfere with or disrupt our Services or their servers
• Misrepresent your identity or affiliation

7. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Colorado, without regard to its conflict of laws principles. Any disputes arising from or relating to these Terms or our Services shall be resolved exclusively in the state or federal courts located in Colorado, and you consent to the personal jurisdiction of those courts.

8. Trademarks and Affiliation

All third-party names, brand names, logos, and trademarks referenced in our Services are the property of their respective owners. Our applications are independent and are NOT affiliated with, endorsed by, sponsored by, or partnered with any third-party company or institution mentioned herein. References to third-party products are for informational purposes only and do not imply endorsement.

9. Changes to These Terms

We may update these Terms from time to time. Material changes will be reflected by an updated “Last Updated” date. Your continued use of our Services after changes are posted constitutes acceptance of the updated Terms. If you do not agree to the updated Terms, you must discontinue use of our Services.

10. Termination

We reserve the right to suspend or terminate your access to any of our Services at any time, with or without cause or notice. Upon termination, these Terms shall continue to apply to any prior use of our Services.

11. Contact