Please read these Terms and Conditions of Use carefully. IF YOU DO NOT AGREE WITH THE TERMS BELOW, PLEASE DO NOT ACCESS THE APPLICATION.

We reserve the right to make changes to these terms at any time and for any reason. We will alert you about any changes by updating the “Last updated” date above. You are encouraged to periodically review these terms to stay informed of updates. You will be deemed to have been made aware of, will be subject to, and will be deemed to have accepted the changes in any revised terms by your continued use of the Application after the date such revised terms are posted.

DISCLAIMER

THE APP IS PROVIDED ON AN AS-IS AND AS-AVAILABLE BASIS. YOU AGREE THAT YOUR USE OF THE APP WILL BE AT YOUR SOLE RISK. TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, IN CONNECTION WITH THE APP AND YOUR USE THEREOF, INCLUDING, WITHOUT LIMITATION, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY OR COMPLETENESS OF THE APP’S CALCULATIONS AND WE WILL ASSUME NO LIABILITY OR RESPONSIBILITY FOR ANY (1) ERRORS, MISTAKES, OR INACCURACIES OF CONTENT AND MATERIALS, (2) PERSONAL INJURY OR PROPERTY DAMAGE, OF ANY NATURE WHATSOEVER, RESULTING FROM YOUR ACCESS TO AND USE OF THE APP, (3) ANY UNAUTHORIZED ACCESS TO OR USE OF THE APP AND ALL PERSONAL INFORMATION AND/OR FINANCIAL INFORMATION STORED THEREIN, (4) ANY INTERRUPTION OR CESSATION OF TRANSMISSION TO OR FROM THE APP, (5) ANY BUGS, VIRUSES, TROJAN HORSES, OR THE LIKE WHICH MAY BE TRANSMITTED TO OR THROUGH THE APP BY ANY THIRD PARTY, AND/OR (6) ANY ERRORS OR OMISSIONS IN ANY CONTENT AND MATERIALS OR FOR ANY LOSS OR DAMAGE OF ANY KIND INCURRED AS A RESULT OF THE USE OF ANY CONTENT POSTED, TRANSMITTED, OR OTHERWISE MADE AVAILABLE VIA THE APP.

LIMITATIONS OF LIABILITY

IN NO EVENT WILL WE OR OUR DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY DIRECT, INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT, LOST REVENUE, LOSS OF DATA, OR OTHER DAMAGES ARISING FROM YOUR USE OF THE APP, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, OUR LIABILITY TO YOU FOR ANY CAUSE WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT PAID, IF ANY, BY YOU TO US DURING THE 12 MONTH PERIOD PRIOR TO ANY CAUSE OF ACTION ARISING. CERTAIN STATE LAWS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IF THESE LAWS APPLY TO YOU, SOME OR ALL OF THE ABOVE DISCLAIMERS OR LIMITATIONS MAY NOT APPLY TO YOU, AND YOU MAY HAVE ADDITIONAL RIGHTS.

IN-APP PURCHASE OF THE PROFESSIONAL VERSION

Additional functionality is available if you choose to buy a one time "Professional Version" in-app purchase. The current Professional Version includes the following additional features which can be found in the "Complex Profiles" section of the app:

• Seasonal Profile

• Variable Profile

• Project Drawdown

Purchase Process

If you navigate to any of the three Complex Profile screens, you can buy all of these features with one in-app purchase through the Apple App Store. In order to do this, you must click the "Upgrade For ..." button and a pop-up will appear where you enter your App Store password. If the purchase is successful then when you enter that screen again, you will be able to use the Complex Profile features.

When you buy the Professional Version on one of your iOS or Mac devices it is available for you to use across all of your current and future compatible iOS and Mac devices by clicking on the "Restore Previous Purchase" button.

We reserve the right to vary the price of the upgrade from time to time. We also reserve the right to provide additional features in the app which may require an additional payment for users to access or may be provided free of charge to existing Professional Version users.

Restore Process

Once you have purchased the upgrade to the Professional Version, you are entitled to use the additional features for as long as the app is compatible on your device. If you have uninstalled the app, bought a new device or want to use the Professional Version on your other iOS or Mac devices then go to one of the "Complex Profiles" screens and click on the "Restore Previous Purchase" button. The app then checks whether you bought the upgrade and if you did will restore the features to that device.

Although the app is written in the latest SwiftUI code, we cannot guarantee that either the Free Version or the Professional Version will continue to function on future devices or future iOS versions.

COPYRIGHT

We respect the intellectual property rights of others. It is our policy to respond to any claim that Content posted on the Service infringes on the copyright or other intellectual property rights ("Infringement") of any person or entity.

If you are a copyright owner, or authorised on behalf of one, and you believe that the copyrighted work has been copied in a way that constitutes copyright infringement, please submit your claim via email to the contact details below with the subject line: "Copyright Infringement" and include in your claim a detailed description of the alleged Infringement.

You may be held accountable for damages (including costs and attorneys' fees) for misrepresentation or bad-faith claims on the infringement of any Content found on and/or through the Service on your copyright.

INTELLECTUAL PROPERTY

Gareth D Pugh retains exclusive interest in and ownership of its Intellectual Property rights in and to the Lease & Loan Calculator App and expressly reserves all rights not expressly granted under this agreement.

AVAILABILITY, ERRORS AND INACCURACIES

We are constantly updating product and service offerings. We may experience delays in updating information on the Service and in our advertising on other web sites. The information found on the Service may contain errors or inaccuracies and may not be complete or current. Products or services may be mispriced, described inaccurately, or unavailable on the Service and we cannot guarantee the accuracy or completeness of any information found on the Service.

We therefore reserve the right to change or update information and to correct errors, inaccuracies, or omissions at any time without prior notice.

GOVERNING LAW

This Agreement shall be governed by and construed in accordance with English Law.

CONTACT US

In order to resolve a complaint regarding the App or to receive further information, please use the contact method provided in the App Store.