Terms of Service

1. Acceptance of Terms

By accessing or using HabitCost ("the Service"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the Service. You must be at least 13 years of age to use this Service. If you are under 16 and located in the European Economic Area, you must have parental consent to use this Service.

2. Service Description

HabitCost is a free, browser-based tool that helps you understand the true cost of your recurring habits over time, including opportunity cost projections. The Service runs entirely in your browser and stores data locally on your device.

3. Not Financial Advice

The calculations, projections, and insights provided by HabitCost are for informational and educational purposes only. They do not constitute financial advice, investment advice, tax advice, or any other form of professional advice.

Investment return projections (such as the S&P 500 and HYSA estimates) are based on simplified historical averages. Past performance is not indicative of future results. These projections do not account for inflation, taxes, management fees, or market volatility. Actual returns may vary significantly.

You should consult a qualified financial advisor before making any financial decisions. HabitCost shall not be liable for any financial decisions made based on the information provided by the Service.

4. User Responsibilities

You are responsible for the accuracy of data you enter into the Service. You are responsible for maintaining the security of your device and browser data. You agree not to use the Service for any unlawful purpose or in any way that could damage or impair the Service.

5. Intellectual Property

The HabitCost name, logo, design, and all associated content are the intellectual property of HabitCost. You may not reproduce, distribute, or create derivative works without prior written consent. You are granted a non-exclusive, royalty-free license to use, share, and post share cards generated by the Service on social media and other platforms for personal and commercial purposes (such as monetized content), provided that the HabitCost branding on the card remains intact.

6. Disclaimer of Warranties

The Service is provided "as-is" and "as available" without warranties of any kind, whether express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Service will be uninterrupted, error-free, or free of harmful components.

7. Limitation of Liability

To the fullest extent permitted by law, HabitCost and its creators shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses resulting from your use of the Service.

8. Indemnification

You agree to indemnify, defend, and hold harmless HabitCost and its operator from any claims, damages, losses, liabilities, costs, or expenses (including reasonable legal fees) arising out of or related to your use or misuse of the Service, your violation of these Terms, or your violation of any rights of a third party.

9. Premium Features

HabitCost may offer premium features in the future. Pricing, payment terms, refund policies, and conditions for premium features will be provided at the time of their launch. Free features available at the time of your first use will remain free. Premium payments may be processed by a third-party merchant of record (such as Lemon Squeezy), subject to their own terms and privacy policy.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Delaware, United States, without regard to its conflict of law provisions. Any disputes arising under or in connection with these Terms shall be resolved in the courts located in Delaware, or through binding arbitration at the election of either party.

11. Dispute Resolution

Before initiating any formal dispute, you agree to contact us at habit-cost.tapioca909@passmail.net and attempt to resolve the dispute informally for at least 30 days. If the dispute cannot be resolved informally, either party may pursue binding arbitration or file a claim in small claims court.

12. Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be posted on this page with an updated date. Your continued use of the Service after changes constitutes acceptance of the updated terms.

13. Severability & Entire Agreement

If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary, and the remaining provisions will remain in full force and effect. These Terms constitute the entire agreement between you and HabitCost regarding the Service and supersede all prior agreements and understandings.

14. Contact

If you have questions about these Terms, please contact us at habit-cost.tapioca909@passmail.net.