Terms of Service - ForFuture

1. Contracting Party and Scope

The provider of the ForFuture app is Diana Barkova, Kastanienstraße 18, 40699 Erkrath, Germany (“we”, “us”). A user (“you”) is any natural person who uses the app.

These Terms in their current version and the Privacy Policy apply exclusively. We do not accept any conflicting terms proposed by the user.

2. Description of Services

ForFuture is a manual financial planning tool: recording income and expenses, budget categories, fixed costs, savings goals (up to three), month-end closing, statistics, optional voice input, and (on Android) optional suggestions from payment notifications.

• Not a bank or payment institution: There is no connection to bank accounts or cards. You enter all amounts yourself or confirm suggestions.
• No financial, tax, or legal advice: Content is for information and organisation only. You make all decisions on your own.
• Local-first: Certain data (e.g. monthly income, closed months) stays on your device. Optional cloud backup can be enabled in Settings.

3. Registration and Account

A user account is required to use the app. You must provide accurate information, keep your password confidential, and notify us promptly of any misuse. Minimum age: 16 years (or a higher minimum age under applicable national law).

4. Free Trial and Paid Subscription (Premium)

4.1 Trial Period

New accounts receive a free trial of 7 calendar days from first use (“trial period”). During the trial, all app features are available without restriction.

4.2 Premium Subscription

After the trial expires, continued use is only possible with an active Premium subscription. Available plans and prices (as of May 2026):

• Monthly: €2.99 per month
• Annual: €24.99 per year

The App Store or Google Play may display different country-specific prices and taxes; the price shown in the store at the time of purchase applies.

4.3 Billing via Apple / Google

Purchase, renewal, cancellation, and refunds are handled through the Apple App Store (iOS) or Google Play Store (Android). Apple or Google is the contracting party for payment processing; their terms apply in addition. Subscriptions renew automatically unless you cancel in the store at least 24 hours before the end of the current period.

4.4 Restore Purchases

On a new device or after reinstalling, you can reactivate an existing subscription via “Restore purchases”, provided it is linked to the same store account.

4.5 No Right of Withdrawal Against Us for Store Purchases

For digital content purchased through Apple or Google, withdrawal and refund claims are primarily governed by the respective store’s rules and applicable consumer law; contact store support for refunds.

5. User Obligations

• Use the app lawfully and for personal purposes only (no commercial redistribution).
• Do not manipulate subscription or security mechanisms.
• No reverse engineering or automated mass access to our systems.
• Maintain your own backups of important data, especially if cloud backup is disabled.

6. Availability and Changes

We strive for high availability but do not guarantee it. Maintenance, updates, or force majeure may cause interruptions. Features may be developed further or discontinued; material changes will be announced in the app where possible.

7. Liability

We are fully liable for intent and gross negligence and for damage resulting from injury to life, body, or health. For slight negligence, we are liable only for breach of essential contractual obligations (cardinal duties), limited to foreseeable, typical damage.

No liability for financial decisions, data loss due to missing local backups, errors in manually entered data, or disruptions caused by third parties (stores, network providers, Supabase).

Where permitted, total liability is limited to the amount you paid for the Premium subscription in the last 12 months through us or the stores (if you used only the trial period: €0).

8. Privacy

Processing of personal data is governed by our Privacy Policy (including account deletion and data subject rights). There is no separate “deletion policy”; deletion is described there and in the app.

9. Intellectual Property

The app, design, trademarks, and code remain our property. You receive a simple, non-transferable, revocable licence for personal use. Content you enter remains yours; you grant us the processing rights necessary to provide the app.

10. Termination and Account Deletion

You may delete your account at any time in the app (Settings → Personal information). This ends use of our server services. An active store subscription must be cancelled separately in the App Store / Play Store.

We may suspend or delete accounts for serious violations of these Terms.

11. Changes to These Terms

We may amend these Terms. We will inform you of material changes in the app or by email. If you do not object within 30 days and continue using the app, the new Terms are deemed accepted.

12. Applicable Law and Jurisdiction

German law applies, excluding the UN Convention on Contracts for the International Sale of Goods. Mandatory consumer protection rules of your country of residence (EU) remain unaffected. For merchants, the place of jurisdiction is Erkrath; for consumers, the statutory place of jurisdiction applies.

13. Dispute Resolution

The European Commission provides a platform for online dispute resolution: https://ec.europa.eu/consumers/odr. We are neither obliged nor willing to participate in dispute resolution proceedings before a consumer arbitration board, unless legally required.

14. Contact

Diana Barkova · Kastanienstraße 18 · 40699 Erkrath · Germany
Email: [email protected]

15. Final Provisions

If individual provisions are invalid, the remainder of the agreement remains effective. These Terms and the Privacy Policy constitute the entire agreement between you and us regarding use of the app.