Terms of Service

1. Acceptance of Terms

Welcome to RippleAI. These Terms of Service ("Terms") govern your access to and use of the RippleAI mobile application and related services (collectively, the "Service") provided by RippleAI Inc. ("we," "us," or "our").

By creating an account or using the Service, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the Service. We may modify these Terms at any time, and your continued use of the Service constitutes acceptance of any modifications.

2. Description of Service

RippleAI is an AI-powered goal tracking and personal development application that provides:

• AI-assisted goal decomposition into milestones, habits, and tasks
• Habit tracking with streak monitoring and reminders
• AI coaching through conversational chat
• Progress analytics and contribution attribution
• Proactive plan adjustments based on your progress
• Weekly insights and personalized recommendations
• Accountability partner connections

3. Account Registration

To use the Service, you must:

• Be at least 13 years old (or 16 in certain jurisdictions)
• Provide accurate and complete registration information
• Maintain the security of your account credentials
• Promptly update any information that becomes inaccurate
• Accept responsibility for all activities under your account

You may register using email, Google Sign-In, or Apple Sign-In. You are responsible for maintaining the confidentiality of your authentication credentials.

4. Subscriptions and Payments

4.1 Free and Premium Tiers

RippleAI offers both free and premium subscription tiers. The free tier includes limited features, while the premium tier provides full access to AI features and unlimited goals.

4.2 Billing

Premium subscriptions are billed in advance on a monthly or annual basis through the App Store (iOS) or Google Play Store (Android). Prices are displayed in your local currency and may vary by region.

4.3 Free Trials

We may offer free trial periods for premium features. Unless you cancel before the trial ends, your subscription will automatically begin, and you will be charged.

4.4 Cancellation and Refunds

You may cancel your subscription at any time through your App Store or Google Play account settings. Cancellation takes effect at the end of the current billing period. Refunds are handled according to the policies of Apple or Google, as applicable.

5. User Content

5.1 Your Content

You retain ownership of all content you create within the Service, including goals, habits, tasks, reflections, and chat messages ("User Content"). By using the Service, you grant us a limited license to use, process, and display your User Content solely to provide and improve the Service.

5.2 Content Responsibilities

You agree not to submit content that:

• Violates any applicable laws or regulations
• Infringes on intellectual property rights of others
• Contains malicious code or harmful content
• Is fraudulent, deceptive, or misleading
• Harasses, threatens, or harms others

6. AI Features and Limitations

6.1 AI-Generated Content

Our AI features generate suggestions, plans, and coaching responses based on the information you provide. While we strive for accuracy and helpfulness, AI-generated content:

• Is not a substitute for professional advice (medical, financial, legal, etc.)
• May contain errors or inaccuracies
• Should be reviewed and validated before acting upon
• Is provided "as is" without warranties of any kind

6.2 Automatic Adjustments

If you enable automatic plan adjustments, the AI may modify your task schedules and habit frequencies based on your progress. You can configure the level of AI autonomy in your settings and will be notified of significant changes.

7. Acceptable Use

You agree not to:

• Use the Service for any illegal purpose or in violation of any laws
• Attempt to gain unauthorized access to the Service or its systems
• Interfere with or disrupt the integrity or performance of the Service
• Reverse engineer, decompile, or disassemble any part of the Service
• Create accounts through automated means or under false pretenses
• Use the Service to send spam or unsolicited communications
• Exploit the AI features to generate harmful or abusive content
• Share your account credentials or allow others to access your account
• Circumvent any rate limits, usage restrictions, or security measures

8. Intellectual Property

The Service, including its design, features, AI models, and content (excluding User Content), is owned by RippleAI Inc. and protected by intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of our Service without our written permission.

"RippleAI" and our logo are trademarks of RippleAI Inc. You may not use our trademarks without our prior written consent.

9. Privacy

Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference. By using the Service, you consent to our data practices as described in the Privacy Policy.

10. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

We do not warrant that the Service will be uninterrupted, error-free, or secure. We do not warrant that AI-generated content will be accurate, complete, or suitable for your needs.

GETNUDGE IS NOT A HEALTHCARE, FINANCIAL, OR LEGAL SERVICE. Any health, fitness, financial, or other goals you pursue using the Service are at your own risk. Consult appropriate professionals before making significant life decisions.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, GETNUDGE INC. SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR REVENUES, WHETHER INCURRED DIRECTLY OR INDIRECTLY, OR ANY LOSS OF DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES RESULTING FROM:

• Your use or inability to use the Service
• Any unauthorized access to or use of our servers or your data
• Any AI-generated content or recommendations
• Any third-party services or content accessed through the Service

Our total liability shall not exceed the amount you paid us in the twelve (12) months preceding the claim.

12. Indemnification

You agree to indemnify, defend, and hold harmless RippleAI Inc., its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising out of your use of the Service, your User Content, or your violation of these Terms.

13. Termination

You may terminate your account at any time by deleting your account through the app settings. We may suspend or terminate your access to the Service at any time, with or without cause or notice, including if we believe you have violated these Terms.

Upon termination, your right to use the Service will immediately cease. Sections that by their nature should survive termination shall survive, including ownership provisions, warranty disclaimers, indemnification, and limitations of liability.

14. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by posting the updated Terms in the app and updating the "Last updated" date. Your continued use of the Service after changes become effective constitutes acceptance of the revised Terms.

15. Governing Law and Disputes

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law principles.

Any dispute arising from these Terms or your use of the Service shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive relief in any court of competent jurisdiction.

16. General Provisions

• Entire Agreement: These Terms, together with our Privacy Policy, constitute the entire agreement between you and RippleAI.
• Severability: If any provision is found unenforceable, the remaining provisions will continue in effect.
• Waiver: Our failure to enforce any right or provision shall not be deemed a waiver.
• Assignment: You may not assign these Terms without our consent. We may assign our rights and obligations freely.
• Notices: We may provide notices through the app, email, or other reasonable means.

17. Contact Us

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