Terms of Service

These Terms of Service (the “Terms”) govern your access to and use of RecurWell, a mobile application and related website (the “Service”) operated by GolfSum PLLC (“we,” “us,” or “our”). By creating an account or using the Service, you agree to be bound by these Terms.

1. Eligibility

You must be at least 18 years old (or the age of majority in your jurisdiction) to use the Service. By using the Service, you represent that you meet this requirement and that the information you provide is accurate.

2. Account

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Notify us promptly at support@recurwell.com if you believe your account has been compromised.

3. Subscriptions, Trial, and Billing

The Service is offered on a subscription basis after a 7-day free trial. Subscriptions are billed through the Apple App Store under your Apple ID. Pricing shown in the app applies to the plan you select at the time of purchase. Subscriptions renew automatically unless canceled at least 24 hours before the end of the current period. You can manage or cancel your subscription at any time in your device Settings under Apple ID > Subscriptions.

Lifetime purchases, when offered, are non-recurring one-time payments that provide access to the Service for as long as the Service continues to operate.

Refunds are handled by Apple in accordance with the App Store’s refund policy. We cannot issue refunds directly for App Store purchases.

4. Your Content

The Service lets you upload bank statements, receipt images, and related financial data (“Your Content”). You retain all rights to Your Content. You grant us a limited license to store, process, and display Your Content for the sole purpose of providing the Service to you, including running optical character recognition, classifying merchants, and detecting recurring charges.

You represent that you have the right to upload and process Your Content, and that doing so does not violate any law or third-party right.

5. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose
• Upload content that is not yours or that you are not authorized to upload
• Attempt to reverse engineer, decompile, or otherwise derive the source code of the Service, except as permitted by applicable law
• Interfere with or disrupt the Service or the servers or networks that host it
• Use the Service to build a competing product or to train a machine-learning model

6. Financial Data; No Financial Advice

The Service helps you track and anticipate recurring charges. It is not a bank, a payment processor, a tax advisor, a financial planner, or a credit-reporting agency. Nothing in the Service constitutes financial, legal, tax, or investment advice. You are solely responsible for the decisions you make based on information shown in the Service.

Predictions, detected bills, and price-change alerts are generated from the data you provide and from statistical inference. They are estimates, not guarantees. Always verify against your actual bank or provider statements before acting.

7. Third-Party Services

The Service relies on third-party infrastructure, including Apple (authentication, in-app purchase, push notifications), Google Firebase (authentication, database, storage, and cloud functions), Google Cloud (OCR via Gemini), and RevenueCat (subscription management). Your use of the Service is also subject to the applicable terms of those providers. We are not responsible for the availability or performance of third-party services.

8. Intellectual Property

The Service, including its software, design, and content (excluding Your Content), is owned by GolfSum PLLC and is protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for personal, non-commercial purposes consistent with these Terms.

9. Termination

You may stop using the Service at any time. You may delete your account and all associated data from within the app. We may suspend or terminate your access to the Service if you violate these Terms or if we reasonably believe your use poses a security or legal risk.

10. Disclaimer of Warranties

The Service is provided on an “as is” and “as available” basis without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, non-infringement, or accuracy. We do not warrant that the Service will be uninterrupted, error-free, or secure.

11. Limitation of Liability

To the maximum extent permitted by law, GolfSum PLLC and its officers, employees, and affiliates will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, or goodwill, arising out of or related to your use of the Service. Our total liability for any claim related to the Service will not exceed the greater of (a) the amount you paid us in the 12 months before the claim arose or (b) one hundred U.S. dollars.

12. Indemnification

You agree to indemnify and hold GolfSum PLLC harmless from any claim, damage, loss, or expense (including reasonable attorney fees) arising from your use of the Service, your violation of these Terms, or your violation of any third-party right.

13. Changes to the Service or These Terms

We may update the Service and these Terms from time to time. When changes are material, we will notify you in the app or by email. Continued use of the Service after the effective date of a change constitutes acceptance of the updated Terms.

14. Governing Law

These Terms are governed by the laws of the State of Texas, without regard to its conflict-of-law rules. Any dispute arising under these Terms will be resolved in the state or federal courts located in Texas, and you consent to personal jurisdiction there.

15. Contact

Questions about these Terms? Email us at support@recurwell.com.