These Terms of Service ("Terms") govern your access to and use of the Money Conversations Coach mobile application and related services (the "Service") operated by Calming Aura Studios, a North Carolina company ("Calming Aura Studios", "we", "us", or "our"). By accessing or using the Service, you agree to be bound by these Terms.
Age and eligibility: You must be at least 18 years old (or the age of majority in your jurisdiction, if higher). We do not permit use by minors, and we may terminate accounts that misrepresent age.
If you do not agree to these Terms, do not use the Service.
The Service helps partners improve financial communication and collaboration through guided reflections, goals, progress tracking, and related tools.
Informational only: The Service does not provide financial, legal, tax, investment, mental health, medical, or other professional advice. Content is for educational and informational purposes only. You are solely responsible for your decisions.
Availability/limitations: We may modify, suspend, or discontinue features at any time. We do not guarantee uninterrupted availability, accuracy, or specific results.
Registration: You may create an account using email and password. Pseudonyms are allowed.
Security: You are responsible for maintaining the confidentiality of your login credentials and for all activities under your account. Notify us immediately of any unauthorized use.
Account termination: We may suspend or terminate your account for violations of these Terms, applicable law, or platform policies, or at our discretion as described below.
You agree to use the Service only for lawful purposes and in compliance with these Terms. Without limiting the foregoing, you will not (and will not permit or encourage anyone to):
We may remove content, restrict features, rate-limit access, or suspend/terminate accounts for violations, with or without prior notice in severe cases.
We may preserve and disclose information as required by law or to protect our rights, users, and the Service.
Appeals: If you believe an enforcement action was in error, contact us at contact@calmingaura.net. We will review good-faith appeals promptly.
Ownership: You retain ownership of content you create or submit through the Service ("User Content").
License you grant us: You grant Calming Aura Studios a worldwide, non-exclusive, royalty-free, transferable, sublicensable license to host, store, reproduce, modify (solely as necessary to operate, display, format, and improve the Service), publicly or privately display, and otherwise use your User Content in connection with providing and improving the Service.
Aggregated/anonymized use: We may use aggregated and de-identified data for analytics, research, and product improvement.
Content removal: We may remove or refuse to display any User Content that violates these Terms or applicable law.
Your responsibilities: You represent that you have necessary rights to your User Content and that it does not infringe or violate any third-party rights or laws.
Our IP: The Service (including software, code, design, text, graphics, logos, including the "Money Conversations Coach" name and associated marks) is owned by Calming Aura Studios and protected by IP laws. Except for the license below, no rights are granted.
License to you: Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to install and use the app on devices you own or control for personal, non-commercial use.
No reverse engineering: You may not copy, modify, reverse engineer, decompile, or create derivative works except as permitted by law.
See our Privacy Policy for details on data collection, use, disclosure, and your choices. By using the Service, you consent to our data practices.
Data we may process includes account and profile information, usage analytics (e.g., Firebase Analytics), crash diagnostics, subscription status/receipts from Apple/Google, and content you enter.
We use third-party services such as Supabase (backend/auth/storage), Firebase Analytics (analytics), and platform app stores for purchases. Cookies/SDKs may be used to operate and improve the Service.
Subscriptions and purchases are processed by Apple App Store and Google Play Store, as applicable. Prices are displayed in the app and may change.
Auto-renewal: Subscriptions auto-renew at the end of each billing period unless cancelled at least 24 hours before renewal. Renewal charges occur through your store account at the then-current price.
Management & cancellation: Manage or cancel subscriptions in your device's store settings (Apple: Settings > Apple ID > Subscriptions; Google: Play Store > Payments & subscriptions).
Access after cancellation: If you cancel your subscription, you will retain access through the end of your current billing period. After that, premium features will no longer be accessible, though your account and data will be retained per our data retention policies.
Refunds: Refunds are handled per the applicable store's policies. We do not provide prorated refunds for partial periods except where required by law or store policy.
Taxes: Prices may exclude applicable taxes, which may be charged by the stores.
"AS IS" AND "AS AVAILABLE": The Service is provided without warranties of any kind, express or implied, including but not limited to merchantability, fitness for a particular purpose, and non-infringement.
No professional advice: The Service does not provide financial, legal, tax, investment, mental health, or medical advice. You are solely responsible for decisions and outcomes.
No guarantee of results or uptime.
To the maximum extent permitted by law, Calming Aura Studios and its affiliates, officers, employees, and agents shall not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for loss of profits, revenues, data, goodwill, or other intangible losses, arising from or related to your use of the Service.
Aggregate cap: Our total liability for all claims arising out of or relating to the Service will not exceed the amounts you paid to us (through the stores) for the Service in the twelve (12) months preceding the claim.
Indemnification: You agree to defend, indemnify, and hold harmless Calming Aura Studios and its affiliates, officers, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising from your use of the Service, your User Content, or your violation of these Terms or any law.
You may stop using the Service at any time and may delete your account (see in-app settings or contact support).
We may suspend or terminate your account or access to the Service (and remove User Content) at any time for violations of these Terms, law, or platform policy; legal or compliance risk; or for operational reasons. For severe cases, we may act without notice.
Data after termination: We may retain certain information as required by law (e.g., transaction records) and for legitimate business purposes (e.g., fraud prevention, security, accounting) in accordance with our Privacy Policy. Backups may persist for a limited period.
Governing law: These Terms shall be governed by and construed in accordance with the laws of the State of North Carolina, United States of America, without regard to conflict of law principles.
You and Calming Aura Studios agree to resolve any dispute arising out of or relating to these Terms or the Service through binding individual arbitration under the rules of the American Arbitration Association ("AAA"), and not in court, except that either party may seek injunctive relief in a court of competent jurisdiction for intellectual property infringement or unauthorized access/scraping/security issues.
Class/collective actions and jury trials are waived. You and Calming Aura Studios agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.
Opt-out: You may opt out of arbitration within thirty (30) days of first accepting these Terms by sending an email titled "Arbitration Opt-Out" to contact@calmingaura.net with your full name, the email associated with your account, and a statement that you opt out. Opting out does not affect other provisions of these Terms.
Venue for non-arbitrable claims: For any claims not subject to arbitration, you consent to the exclusive jurisdiction of state or federal courts located in North Carolina, USA.
We may update these Terms from time to time. For material changes, we will provide notice via in-app notice and/or email and update the "Effective Date" above. Changes are effective when posted unless otherwise specified.
Continued use of the Service after notice constitutes acceptance of the updated Terms.
Severability: If any provision is found unenforceable, the remaining provisions remain in effect.
Entire agreement: These Terms, together with our Privacy Policy and any applicable purchase terms, constitute the entire agreement between you and us regarding the Service.
No waiver: Our failure to enforce a provision is not a waiver of our right to do so later.
Force majeure: We are not responsible for delays or failures due to events beyond our reasonable control.
Assignment: You may not assign or transfer your rights under these Terms. We may assign our rights and obligations in connection with a merger, acquisition, asset sale, or by operation of law.
The Service may integrate with or link to third-party services (e.g., Supabase for backend/auth, Firebase Analytics, Apple/Google in-app purchases). We are not responsible for third-party services; your use is subject to their terms and privacy policies.
Links to external sites do not imply endorsement, and we are not responsible for their content or practices.
Communication and partner features: Some features involve partner collaboration and shared data within your relationship context. Please use these responsibly and respect privacy.
User-generated content: Follow the conduct rules above. We may moderate, remove, or restrict content or features to maintain a safe environment.
Export/download rights: You may request a copy of certain personal data per the Privacy Policy, subject to technical and legal limitations.
Enforcement ladder may include warning, content removal, feature restrictions, temporary suspension, and termination.
Appeals: Contact us at contact@calmingaura.net. We will review legitimate appeals promptly.
If you have questions, concerns, or requests regarding these Terms of Service, please contact us:
Email: contact@calmingaura.net
Developer: Calming Aura Studios
Location: Charlotte, North Carolina, USA
App: Money Conversations Coach
By using Money Conversations Coach, you consent to these Terms of Service and agree to be bound by them.
Calming Aura Studios
Last Updated: November 7, 2025