Terms of Service

1. Definitions

Capitalized terms used in these Terms have the meanings set out below. These definitions apply whether the term appears in singular or plural form.

• "App" means the mobile software application called Lomow.ai (or any successor name), provided by us and distributed via the App Store.
• "App Store" refers to the Apple App Store, operated by Apple Inc. ("Apple").
• "Company", "we", "us", or "our" refers to PureHabits, LLC, a Texas limited liability company with its principal place of business at 5900 Balcones Drive STE 100, Austin, TX 78731.
• "Content" means all AI-generated trade ideas, options plays, market news summaries, market data, and related content made available through the Service.
• "Device" means any electronic device (such as smartphone, tablet, or computer) capable of accessing and running the App.
• "Service" refers collectively to the App and any related features, content, or functionality we make available through it.

2. Acceptance of Terms

These Terms form a legally binding agreement between you and the Company regarding your use of the Service.

By downloading, installing, accessing, or using the App, you confirm that:

• You have read, understood, and agree to be bound by these Terms;
• You are at least 18 years old (or the age of majority in your jurisdiction, whichever is higher);
• You accept our Privacy Policy (which is incorporated herein by reference).

If you do not agree with any provision of these Terms or the Privacy Policy, you must immediately stop using the Service and uninstall the App. You represent that you are accessing the Service from a location where it is legal to do so.

3. No Financial Advice; Investment Risk

THE COMPANY IS NOT A REGISTERED INVESTMENT ADVISER, BROKER-DEALER, OR FINANCIAL INSTITUTION. NO CONTENT PROVIDED THROUGH THE SERVICE CONSTITUTES FINANCIAL, INVESTMENT, TAX, OR LEGAL ADVICE, OR A RECOMMENDATION OR SOLICITATION TO BUY, SELL, OR HOLD ANY SECURITY OR OTHER FINANCIAL INSTRUMENT.

ALL CONTENT IS PROVIDED FOR ENTERTAINMENT AND INFORMATIONAL PURPOSES ONLY. Content may be inaccurate, incomplete, or based on AI-generated analysis that has not been independently verified.

NO FIDUCIARY RELATIONSHIP IS CREATED BETWEEN YOU AND THE COMPANY through your use of the Service or reliance on any Content.

TRADING AND INVESTING INVOLVE SUBSTANTIAL RISK OF LOSS, INCLUDING THE POTENTIAL LOSS OF YOUR ENTIRE INVESTMENT. Past performance is not indicative of future results. You are solely responsible for any trading or investment decisions you make. You should conduct your own research and consult a licensed financial adviser before acting on any Content.

4. Market Data Disclaimer

Stock prices, quotes, and other market data displayed in the Service are supplied by third-party data providers. Market data may be delayed, incomplete, or inaccurate, and is provided without warranty of any kind. We make no representation as to the accuracy, timeliness, or completeness of any market data, and neither we nor our data providers shall be liable for any actions taken in reliance on it. Market data is provided for informational purposes only and may not be redistributed.

5. Subscriptions, Free Tier & Your Own API Key

The App offers a free tier with daily usage limits on AI-generated Content. We may from time to time offer optional paid subscription plans, purchased through the App Store and managed by Apple and our subscription provider, RevenueCat, that raise those limits. Subscription pricing, billing terms, renewal, and cancellation are governed by the App Store's subscription terms.

The App also lets you optionally provide your own Anthropic API key to bypass our daily limits. If you do, requests made using your key are billed directly to your own Anthropic account, subject to Anthropic's own terms of service — we are not responsible for charges you incur with Anthropic or any other third-party AI provider.

We may, at any time and in our sole discretion, discontinue, suspend, modify, rebrand, limit, or cease offering the Service (or any portion thereof), including any free-tier allowance or subscription feature, without prior notice and without liability to you, to the extent permitted by applicable law.

Refunds for any paid subscription are handled according to Apple App Store policy, not by us directly.

6. License Grant & Restrictions

Subject to your compliance with these Terms, we grant you a limited, personal, non-transferable, non-sublicensable license to install and use the App solely for your personal, non-commercial purposes on Devices you own or control. This license is effective until terminated.

You may not:

• copy, modify, adapt, translate, reverse engineer, decompile, or create derivative works;
• rent, lease, lend, sell, redistribute, or sublicense the App;
• use the App for any unlawful purpose or in violation of any applicable law;
• remove or alter any copyright, trademark, or other proprietary notices.

7. Feedback

If you submit suggestions, ideas, feature requests, bug reports, or other feedback regarding the Service ("Feedback"), you grant us a perpetual, irrevocable, worldwide, royalty-free, fully sublicensable license to use, reproduce, modify, and otherwise exploit such Feedback for any purpose, without compensation or attribution to you. We are under no obligation to use or respond to any Feedback.

8. Intellectual Property; Infringement Claims

The Service, including its software, design, branding, and Content (excluding third-party materials), is owned by the Company or its licensors and is protected by intellectual property laws.

If you believe any content available through the Service infringes your copyright or other intellectual property rights, please notify us at support@purehabits.io with: (a) identification of the work claimed to be infringed; (b) identification of the allegedly infringing material and its location within the Service; (c) your contact information; (d) a statement that you have a good-faith belief the use is not authorized; and (e) a statement, under penalty of perjury, that the information in your notice is accurate and that you are the rights owner or authorized to act on the owner's behalf. We will review and respond to compliant notices consistent with applicable law, including the Digital Millennium Copyright Act (DMCA).

9. Third-Party Services & Links

The Service may integrate with, display content from, or contain links to third-party services (including the App Store, analytics providers, market data providers, or social media platforms).

We do not control and are not responsible for the availability, accuracy, privacy practices, or content of any third-party services. Your use of them is at your own risk and subject to their respective terms.

10. Termination

We may, at our sole discretion and without prior notice or liability, immediately suspend or terminate your access to the Service if you breach any provision of these Terms, engage in fraudulent activity, or for any other reason, including business decisions such as discontinuation of the Service.

Upon termination, your license and right to use the Service end immediately. Sections concerning limitation of liability, disclaimers, governing law, indemnification, and any other provisions intended to survive termination shall continue in effect.

11. Disclaimer of Warranties – "AS IS" Basis

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITH ALL FAULTS AND WITHOUT ANY WARRANTY OF ANY KIND.

TO THE FULLEST EXTENT PERMITTED BY LAW, WE AND OUR AFFILIATES, LICENSORS, AND SERVICE PROVIDERS EXPRESSLY DISCLAIM ALL WARRANTIES — EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE — INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, AND THOSE ARISING FROM COURSE OF DEALING OR USAGE.

WE DO NOT WARRANT THAT THE SERVICE WILL:

• meet your requirements or expectations,
• operate uninterrupted, securely, or error-free,
• be compatible with any particular hardware/software, or
• be free from viruses, malware, or harmful components.

Some jurisdictions do not permit the exclusion of certain warranties; in those cases, the above exclusions apply only to the maximum extent allowed.

12. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY (AND THAT OF OUR AFFILIATES, SUPPLIERS, AND LICENSORS) ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF:

(a) the amount you actually paid us in the twelve (12) months preceding the claim, or
(b) $100 USD (or equivalent).

IN NO EVENT SHALL WE BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES (INCLUDING LOSS OF PROFITS, DATA, GOODWILL, BUSINESS INTERRUPTION, OR PERSONAL INJURY), INCLUDING ANY LOSSES ARISING FROM TRADING OR INVESTMENT DECISIONS MADE IN RELIANCE ON ANY CONTENT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

Some jurisdictions prohibit limitation of liability for certain damages; in those cases, liability is limited to the extent permitted by law.

13. Indemnification

You agree to indemnify, defend, and hold harmless the Company, its affiliates, officers, directors, employees, and agents from any claims, losses, liabilities, damages, costs, and expenses (including reasonable attorneys' fees) arising from your use of the Service, violation of these Terms, or infringement of third-party rights.

14. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Texas, United States of America, without regard to its conflict of law principles.

Any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall first be attempted to be resolved amicably through good-faith discussions.

If no resolution is reached within 30 days, disputes shall be resolved exclusively through binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, except where prohibited by law. The arbitration shall take place in Travis County, Texas, or remotely if agreed by the parties.

You and we agree to waive any right to a jury trial and to participate in any class, collective, or representative action. This arbitration provision survives termination.

Batch Arbitration. If 25 or more similar arbitration demands are filed against the Company by or with the assistance of the same law firm, group of law firms, or coordinated organization, the parties agree that the AAA shall administer such demands in batches of up to 50 demands per batch, with a single arbitrator appointed per batch and a single set of administrative and filing fees assessed per batch, consistent with the AAA's rules and procedures for batch arbitration. This provision does not modify any party's substantive rights.

Opt-Out: You may opt out of arbitration within 30 days of first accepting these Terms by sending written notice to support@purehabits.io.

15. Export & Compliance

You represent that you are not located in any country subject to a U.S. Government embargo or designated by the U.S. as a "terrorist supporting" country, and you are not on any U.S. Government list of prohibited or restricted parties.

16. Apple App Store Provisions

You acknowledge these Terms are between you and PureHabits, LLC (not Apple). Apple has no obligation to furnish any maintenance and support services with respect to the App. Your use is subject to the App Store Terms of Service. You acknowledge that Apple and Apple's subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary thereof. In case of conflict regarding third-party beneficiary rights, Apple's terms control to that extent.

17. Assignment

We may assign or transfer these Terms, in whole or in part, including in connection with a merger, acquisition, reorganization, or sale of assets, without your consent. You may not assign or transfer these Terms or any rights or obligations hereunder without our prior written consent, and any attempted assignment in violation of this section is void.

18. Miscellaneous

• Changes to Terms — We may revise these Terms from time to time. Material changes will be notified with at least 30 days' advance notice (via in-app message, email, or app store update description). Continued use after the effective date constitutes acceptance of the updated Terms. Non-material changes may be posted in the App without separate notice.
• Severability — If any provision is held invalid or unenforceable, it will be reformed to achieve its intended purpose to the maximum extent possible, and the remaining provisions remain in full force.
• No Waiver — Our failure to enforce any right or provision does not constitute a waiver of that right or provision.
• Entire Agreement — These Terms (together with the Privacy Policy) constitute the entire agreement between you and us regarding the Service.

19. Contact Information

If you have questions about these Terms, please reach out to us at:

Email: support@purehabits.io