Terms of Service for Tallyo

1. Acceptance of Terms

By downloading, installing, or using Tallyo (the "App"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the App.

These Terms constitute a legally binding agreement between you ("you," "your," or "user") and [INSERT COMPANY NAME] ("we," "us," or "our").

2. Description of Service

Tallyo is an invoicing and business management application designed for small businesses and sole proprietors. The App allows you to:

• Create and manage professional invoices
• Track customers and their information
• Manage products and services
• Generate PDF invoices
• Sync data across devices via iCloud
• Manage subscriptions and purchases

3. Eligibility

You must be:

• At least 18 years of age
• Capable of forming a binding contract
• Not prohibited from using the App under applicable laws

If you are using the App on behalf of a business or organization, you represent that you have authority to bind that entity to these Terms.

4. Account and Authentication

4.1 Sign in with Apple

You must sign in using Sign in with Apple to use the App. By signing in, you agree to:

• Provide accurate and complete information
• Maintain the security of your Apple ID
• Notify us immediately of any unauthorized access
• Be responsible for all activities under your account

4.2 iCloud Sync

The App uses iCloud CloudKit to sync your data across your devices. By using this feature, you agree to Apple's iCloud Terms and Conditions and understand that:

• Your data will be stored in iCloud
• You are responsible for maintaining adequate iCloud storage
• Syncing requires an active iCloud account

5. Subscriptions and Payments

5.1 Subscription Plans

The App offers subscription-based access to premium features:

• Free Tier: Limited features as described in the App
• Pro Tier: Full access to all features with subscription

5.2 Billing

• All purchases are processed through Apple's In-App Purchase system
• Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current period
• Payment is charged to your Apple ID account at confirmation of purchase
• Subscriptions are billed monthly or annually as selected

5.3 Free Trials

• We may offer free trial periods for certain subscription tiers
• You may be charged when the trial period ends unless you cancel before the trial ends
• Trial eligibility is determined by Apple and limited to one trial per Apple ID

5.4 Cancellation

• You can cancel your subscription at any time through your Apple ID account settings
• Cancellation takes effect at the end of the current billing period
• No refunds for partial periods

5.5 Refunds

• All purchases are final and non-refundable except as required by law
• Refund requests must be submitted through Apple's App Store
• We reserve the right to grant refunds at our discretion

5.6 Price Changes

• We may change subscription prices at any time
• Price changes for existing subscribers take effect at the next renewal
• We will notify you of price changes in advance

6. License and Restrictions

6.1 Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to use the App for your personal or business use, subject to these Terms.

6.2 Restrictions

You may not:

• Copy, modify, or create derivative works of the App
• Reverse engineer, decompile, or disassemble the App
• Rent, lease, loan, sell, or distribute the App
• Remove any copyright or proprietary notices
• Use the App for any illegal purpose
• Use the App to transmit viruses or malicious code
• Attempt to gain unauthorized access to the App or our systems
• Use the App in any way that could damage, disable, or impair our services
• Use automated systems (bots, scripts) to access the App

7. User Content and Data

7.1 Your Data

You retain ownership of all data you enter into the App, including:

• Business information
• Customer information
• Invoice data
• Products and services

7.2 Data Responsibility

You are solely responsible for:

• The accuracy and legality of data you enter
• Compliance with applicable laws and regulations
• Maintaining backups of your data
• Protecting customer privacy and sensitive information
• Proper tax record-keeping and invoicing practices

7.3 Data Use

We do not claim ownership of your data. We will only use your data to:

• Provide the App's functionality
• Sync your data via iCloud (when enabled)
• Comply with legal obligations

7.4 Business Compliance

You are responsible for:

• Compliance with applicable tax laws and regulations
• Accurate representation of products and services provided
• Proper invoicing practices according to your jurisdiction
• Maintaining records as required by law
• Compliance with consumer protection laws

We provide tools to assist with invoicing, but legal compliance is your responsibility.

8. Intellectual Property

8.1 Our Rights

The App and all related materials, including but not limited to:

• Software code
• Design, layout, and user interface
• Graphics, logos, and trademarks
• Documentation and content

are owned by us or our licensors and protected by copyright, trademark, and other intellectual property laws.

8.2 Feedback

If you provide feedback, suggestions, or ideas about the App, we may use them without any obligation to you.

9. Disclaimer of Warranties

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability
• Fitness for a particular purpose
• Non-infringement
• Accuracy, reliability, or completeness
• Uninterrupted or error-free operation
• Security or freedom from viruses

WE DO NOT WARRANT THAT:

• The App will meet your requirements
• The App will be available at all times
• Data stored in iCloud will never be lost
• The App meets specific regulatory requirements for your jurisdiction (you are responsible for ensuring compliance)

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

10.1 No Liability for Damages

WE ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING:

• Lost profits or revenue
• Lost data
• Business interruption
• Loss of goodwill
• Costs of substitute services

10.2 Cap on Liability

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIMS UNDER THESE TERMS IS LIMITED TO THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM AROSE, OR $100 USD, WHICHEVER IS GREATER.

10.3 Exceptions

Some jurisdictions do not allow limitation of implied warranties or liability for incidental or consequential damages. In such jurisdictions, our liability is limited to the greatest extent permitted by law.

11. Indemnification

You agree to indemnify, defend, and hold harmless us, our affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of the App
• Your violation of these Terms
• Your violation of any laws or regulations
• Your violation of third-party rights
• Data you enter into the App
• Invoices or documents you create

12. Privacy

Your use of the App is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand our data practices.

13. Business and Tax Compliance

13.1 Invoice Accuracy

You acknowledge that:

• You are responsible for ensuring invoice accuracy
• You must comply with applicable tax laws (GST, VAT, sales tax, etc.)
• You must follow local business and invoicing regulations
• You must maintain proper records as required by law

13.2 Tax Calculations

• The App provides tools for tax calculations (e.g., GST)
• You are responsible for configuring correct tax rates
• You must verify all calculations before sending invoices
• Consult with a tax professional for specific requirements

13.3 Price and Rate Management

• Pricing and rates are your responsibility to set and maintain
• We may provide templates or suggestions, but accuracy is not guaranteed
• You must verify all pricing and tax calculations before invoicing

14. Third-Party Services

14.1 Apple Services

The App relies on Apple services including:

• Sign in with Apple
• iCloud CloudKit
• StoreKit (In-App Purchases)
• App Store

Your use of these services is subject to Apple's Terms and Conditions.

14.2 No Endorsement

We do not endorse or control third-party services and are not responsible for their content, policies, or practices.

15. Modifications to Terms

15.1 Right to Modify

We reserve the right to modify these Terms at any time. We will notify you of material changes by:

• Posting an updated version in the App
• Updating the "Last Updated" date
• Sending a notification through the App or email

15.2 Acceptance of Changes

Your continued use of the App after changes constitutes acceptance of the updated Terms. If you do not agree to changes, you must stop using the App and may cancel your subscription.

16. Modifications to the App

We reserve the right to:

• Modify or discontinue any feature of the App
• Change pricing and subscription plans
• Add or remove functionality
• Suspend or terminate the App

We will provide reasonable notice of material changes when possible, but are not required to do so.

17. Termination

17.1 Termination by You

You may terminate these Terms at any time by:

• Deleting the App from your device
• Cancelling your subscription
• Signing out of your account

17.2 Termination by Us

We may suspend or terminate your access to the App immediately, without notice, if:

• You violate these Terms
• You engage in fraudulent activity
• Required by law
• We discontinue the App

17.3 Effect of Termination

Upon termination:

• Your license to use the App ends immediately
• You must stop using the App
• Your data remains in iCloud (subject to Apple's policies)
• No refunds for prepaid periods (except as required by law)

18. Dispute Resolution

18.1 Governing Law

These Terms are governed by the laws of [INSERT JURISDICTION], without regard to conflict of law principles.

18.2 Arbitration Agreement

Any dispute arising from these Terms or the App will be resolved through binding arbitration, except:

• Small claims court actions
• Injunctive relief
• Intellectual property disputes

18.3 Class Action Waiver

You agree to resolve disputes on an individual basis only. You waive any right to participate in class actions or class arbitrations.

18.4 Exceptions

Some jurisdictions do not allow arbitration agreements or class action waivers. If you are in such a jurisdiction, this section may not apply to you.

19. General Provisions

19.1 Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and us regarding the App.

19.2 Severability

If any provision of these Terms is found invalid or unenforceable, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full effect.

19.3 Waiver

Our failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision.

19.4 Assignment

You may not assign or transfer these Terms without our written consent. We may assign these Terms without restriction.

19.5 No Agency

These Terms do not create any agency, partnership, joint venture, or employment relationship.

19.6 Force Majeure

We are not liable for any failure to perform due to circumstances beyond our reasonable control, including:

• Natural disasters
• War or terrorism
• Government actions
• Internet or telecommunications failures
• Third-party service disruptions (including Apple services)

19.7 Survival

Provisions that by their nature should survive termination will survive, including: ownership, warranty disclaimers, indemnification, limitations of liability, and dispute resolution.

20. Apple-Specific Terms

20.1 Acknowledgment

You acknowledge that:

• These Terms are between you and us, not Apple
• Apple has no obligation to provide support for the App
• Apple is not responsible for the App or its content
• Apple is not responsible for addressing any claims relating to the App

20.2 Apple as Third-Party Beneficiary

Apple is a third-party beneficiary of these Terms and may enforce these Terms against you.

20.3 Compliance

You represent that:

• You are not in a country subject to U.S. embargo
• You are not on any U.S. prohibited or restricted party list
• You will comply with all export control laws

21. Export Control

You agree to comply with all applicable export and import laws and regulations. You may not use or export the App except as authorized by U.S. law and the laws of the jurisdiction in which the App was obtained.

22. Contact Information

For questions about these Terms, please contact us:

Email: [INSERT YOUR EMAIL]
Website: [INSERT YOUR WEBSITE]
Address: [INSERT YOUR ADDRESS]

23. Acknowledgment

BY USING THE APP, YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS, UNDERSTAND THEM, AND AGREE TO BE BOUND BY THEM.

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