Terms of Use

These Terms of Use (“Terms”) constitute a legally binding agreement between you and iClara (“iClara,” “we,” “us,” or “our”) governing your access to and use of the website at iclara.app (the “Site”), and the iClara applications made available through the Apple App Store, including without limitation iClara TM (time management, goals, and habits) and iClara PFM (personal finance / envelope budgeting), together with any related documentation, content, updates, and services (collectively, the “Services”).

BY ACCESSING OR USING THE SERVICES, DOWNLOADING OR USING ANY iCLARA APPLICATION, OR SUBMITTING ANY FEEDBACK OR IDEAS TO iCLARA, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE, DO NOT USE THE SERVICES.

1. Acceptance of Terms

These Terms apply to all users of the Services, whether or not you purchase any application. Additional terms may apply to specific features; if there is a conflict, the more specific terms control for that feature. Our Privacy Policy for each application (available on the Site and via the App Store listing) describes how personal data is handled in connection with that application and the Site.

2. Description of Services

iClara provides offline-first iOS applications designed to help users organize personal goals, habits, tasks, and personal budgeting information. The Services are tools for personal organization and self-management. They are not medical devices, therapeutic tools, financial advisory services, accounting systems, or substitutes for professional judgment.

Features may include, without limitation: goal and habit tracking; reminders; local reports (including PDF insights generated on device); envelope-style budgeting; charts and spending summaries based solely on data you enter; and Family Sharing eligibility as configured in the App Store. Features may change over time.

3. Eligibility; Age; Minors

You must be able to form a binding contract under applicable law to accept these Terms. If you are under the age of majority in your place of residence, you may use the Services only with the consent and supervision of a parent or legal guardian who agrees to these Terms on your behalf and assumes full responsibility for your use.

Without limiting the foregoing:

• Children under 13 years of age (or the higher minimum age required in your jurisdiction for digital services) must not use the Services without verifiable parental consent where required by law.
• Parents and guardians are solely responsible for: (a) deciding whether the Services are appropriate for a minor; (b) supervising the minor’s use; (c) any data the minor enters (including financial or personal information); and (d) compliance with Apple Family Sharing and Screen Time settings.
• iClara does not knowingly collect personal information from children through accounts or cloud services, because the applications are designed for on-device use without iClara user accounts. You remain responsible for any information stored on a device used by a minor.

4. Family Sharing

Where enabled by Apple and by the applicable App Store product configuration, iClara applications may be shared with members of an Apple Family Sharing group. Family Sharing is a feature provided and controlled by Apple, not by iClara servers.

• The Family Organizer is responsible for purchases, payment methods, Ask to Buy settings, and invitations to Family members, subject to Apple’s terms.
• Sharing an application license via Family Sharing does not create a shared cloud account with iClara. Each device typically stores its own local data. Data is not synchronized by iClara across Family members unless you independently transfer it using your own tools (for example, device backups you control).
• Parents and Organizers must ensure that minors’ use complies with Section 3 and that sensitive financial or personal information is entered only as appropriate under their supervision.
• iClara is not responsible for disputes among Family members, device access, or Apple account configuration.

5. License Grant and Restrictions

Subject to these Terms and any applicable App Store terms, iClara grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to download and use the applications on Apple-branded products that you own or control, solely for your personal, non-commercial use, as permitted by the App Store Usage Rules.

You shall not, and shall not permit any third party to:

• copy, modify, adapt, translate, reverse engineer, decompile, disassemble, or create derivative works of the Services, except to the extent such restriction is prohibited by applicable law;
• rent, lease, lend, sell, redistribute, or sublicense the Services;
• remove or alter any proprietary notices;
• use the Services for any unlawful purpose or in violation of these Terms;
• attempt to gain unauthorized access to any systems, or interfere with the operation of the Site;
• use the Services to provide medical, psychological, legal, or financial services to third parties as a professional substitute for licensed practice.

All rights not expressly granted are reserved by iClara and its licensors. The applications are licensed, not sold.

6. Purchases; Apple App Store

Paid applications and in-app purchases (if any) are processed by Apple as the merchant of record under Apple’s Media Services Terms and Conditions and applicable App Store policies. Pricing, taxes, refunds, Family Sharing eligibility, and billing disputes are handled primarily through Apple. iClara does not control Apple’s payment systems.

Unless expressly stated otherwise in the App Store listing, iClara applications are offered as one-time purchases without subscription. Availability, pricing, and features may vary by territory.

7. Medical and Health Disclaimer

IMPORTANT: The Services are not medical devices and are not intended to diagnose, treat, cure, mitigate, or prevent any disease, disorder, or medical or mental-health condition.

Content, reminders, habit tracking, goal planning, insights, scores, “procrastination,” stress-related language, productivity metrics, or similar features are provided solely for general personal organization and educational or informational purposes. They do not constitute medical advice, psychotherapy, counseling, crisis intervention, clinical assessment, or any form of healthcare service.

You must not use the Services:

• as a substitute for professional medical, psychiatric, or psychological care;
• to make decisions about medication, therapy, diagnosis, or emergency care;
• in any life-threatening or emergency situation (contact local emergency services immediately).

If you have or suspect a medical or mental-health condition, consult a qualified healthcare professional. Always seek the advice of a physician or other qualified provider with any questions regarding a medical condition or treatment. Never disregard professional medical advice or delay seeking it because of something you read on the Site or see in an iClara application.

8. No Professional Advice (Financial, Legal, Productivity)

The Services and Site content (including blog articles, examples, charts, envelope budgets, and PDF reports) are for general informational and educational purposes only.

• Not financial advice. iClara PFM does not provide investment, tax, accounting, credit, or banking advice. It does not connect to your bank. Figures depend entirely on data you enter and may be incomplete or inaccurate. Consult a licensed financial or tax professional for decisions affecting your finances.
• Not legal advice. Nothing on the Site or in the applications constitutes legal advice.
• Not productivity or career guarantees. Results from goal or habit tracking vary by individual. No specific outcome is promised.

You assume full responsibility for how you interpret and act upon any information generated by the Services.

9. Local Data; Backups; Privacy

iClara applications are designed to store user content primarily on your device. iClara does not operate a cloud account for your goals, habits, or budgets as a core product feature. You are solely responsible for:

• the accuracy of data you enter;
• maintaining appropriate device security (passcode, biometrics, OS updates);
• backing up your device (for example, via Apple device backups you control) if you wish to retain data after loss, theft, reset, or reinstallation;
• understanding that deletion of the application or device data may permanently erase local information.

Site analytics or cookie preferences, where used, are described in our cookie consent tools and applicable privacy notices. Application-specific privacy details are published for each product on the Site and App Store.

10. Intellectual Property

The Services, including software, design, text, graphics, logos, trademarks, and documentation, are owned by iClara or its licensors and are protected by intellectual property laws of Mexico, the United States, the European Union, and other jurisdictions. “iClara” and related marks are trademarks of iClara. You acquire no ownership rights by using the Services.

11. Unsolicited Ideas and Feedback

iClara welcomes feedback regarding existing products. However, to avoid misunderstandings regarding ownership or compensation, the following terms apply to any idea, suggestion, proposal, enhancement request, creative material, name, concept, or similar submission (collectively, “Submissions”), whether sent by email, social media comment or direct message, App Store review, video platform comment, form, or any other channel, including when iClara invites ideas in marketing content or videos.

By providing a Submission, you agree that:

1. Your Submissions and all related intellectual property rights are assigned to iClara to the maximum extent permitted by law, or, where assignment is not effective, you grant iClara a perpetual, irrevocable, worldwide, royalty-free, fully paid-up, transferable, sublicensable license to use, reproduce, modify, distribute, display, perform, commercialize, and create derivative works from the Submissions for any purpose, without compensation to you.
2. You are not entitled to any payment, royalty, credit, equity, or other consideration.
3. iClara has no obligation to review, acknowledge, return, or implement any Submission.
4. Submissions are non-confidential and non-proprietary. iClara has no duty to keep them secret.
5. iClara may already be developing similar ideas independently, and similarity alone creates no obligation to you.
6. You represent that you have the right to make the Submission and that it does not infringe third-party rights or contain confidential information of others.

Do not send source code, trade secrets, or materials you do not own. If you do not agree to this Section, do not submit ideas to iClara.

12. Acceptable Use

You agree not to misuse the Services, including by transmitting unlawful, harmful, or infringing content via any Site feature; attempting to disrupt the Site; or using the Services in a manner that violates applicable export, sanctions, or other laws.

13. Disclaimer of Warranties

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE,” WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. iCLARA DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, QUIET ENJOYMENT, ACCURACY, AND NON-INFRINGEMENT.

WITHOUT LIMITING THE FOREGOING, iCLARA DOES NOT WARRANT THAT THE SERVICES WILL MEET YOUR REQUIREMENTS, BE UNINTERRUPTED, SECURE, OR ERROR-FREE, OR THAT DATA WILL BE PRESERVED WITHOUT LOSS. YOU ASSUME ALL RISK FOR DATA ENTRY, DEVICE FAILURE, AND BACKUP PRACTICES.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES. IN SUCH JURISDICTIONS, THE ABOVE EXCLUSIONS APPLY TO THE FULLEST EXTENT PERMITTED.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL iCLARA, ITS OWNERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, GOODWILL, OR BUSINESS OPPORTUNITY, ARISING OUT OF OR RELATED TO THE SERVICES OR THESE TERMS, REGARDLESS OF THE THEORY OF LIABILITY (CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE), EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY LAW, iCLARA’S TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICES SHALL NOT EXCEED THE GREATER OF: (A) THE AMOUNT YOU PAID TO APPLE FOR THE iCLARA APPLICATION GIVING RISE TO THE CLAIM DURING THE TWELVE (12) MONTHS PRECEDING THE CLAIM; OR (B) FIFTY U.S. DOLLARS (USD $50) OR ITS EQUIVALENT IN LOCAL CURRENCY.

THE FOREGOING LIMITATIONS DO NOT LIMIT LIABILITY THAT CANNOT BE LIMITED UNDER MANDATORY LAW (INCLUDING, WHERE APPLICABLE, LIABILITY FOR WILLFUL MISCONDUCT, FRAUD, OR DEATH OR PERSONAL INJURY CAUSED BY NEGLIGENCE TO THE EXTENT SUCH LIMITATION IS PROHIBITED).

15. Indemnification

To the extent permitted by law, you agree to indemnify, defend, and hold harmless iClara and its owners, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys’ fees) arising out of or related to: (a) your use of the Services; (b) your violation of these Terms; (c) your Submissions; or (d) your violation of any third-party right or applicable law.

16. Governing Law and Disputes

These Terms are interpreted to provide consistent protection worldwide. Dispute resolution and governing law apply in the following order of priority based on your place of residence or the circumstances of the claim, without prejudice to mandatory consumer protections that cannot be waived.

16.1 Mexico

If you reside in the United Mexican States, or if the claim arises primarily in connection with use of the Services in Mexico: these Terms shall be governed by the federal laws of Mexico and, where applicable, the laws of the federative entity of your domicile as a consumer. Subject to mandatory consumer rights under the Federal Consumer Protection Law (Ley Federal de Protección al Consumidor) and other non-waivable provisions, you and iClara agree to submit to the competent courts of Mexico. Nothing in these Terms limits rights that Mexican consumers cannot legally waive.

16.2 California

If you reside in the State of California, United States: except where prohibited by law, these Terms shall be governed by the laws of the State of California, excluding its conflict-of-laws rules, and you agree to the personal jurisdiction of the state and federal courts located in California for disputes not subject to mandatory consumer venue rules.

16.3 Rest of the United States

If you reside elsewhere in the United States: except where prohibited by law, these Terms shall be governed by the laws of the State of California, excluding conflict-of-laws principles, without limiting non-waivable rights under the laws of your state of residence. Courts in California shall have jurisdiction to the extent permitted; where your state law requires otherwise for consumer claims, those mandatory rules control.

16.4 European Union / European Economic Area / United Kingdom

If you reside in the European Union, European Economic Area, or the United Kingdom: you benefit from any mandatory provisions of the law of your country of residence. You may bring proceedings in the courts of your place of residence. iClara does not deprive you of the protection afforded by provisions that cannot be derogated from by agreement under the law of your habitual residence. Where permitted, and without limiting those rights, Mexican law may apply to aspects not governed by mandatory local consumer law.

16.5 Other territories

For residents of other territories, these Terms shall be governed by the federal laws of Mexico, subject to mandatory local consumer protections that cannot be waived, and disputes shall be resolved in competent Mexican courts unless mandatory law requires otherwise.

17. Changes to These Terms

iClara may modify these Terms at any time by posting an updated version on the Site with a revised “Last updated” date. Material changes will be effective upon posting, or as otherwise required by law. Your continued use of the Services after the effective date constitutes acceptance of the revised Terms. If you do not agree, discontinue use of the Services.

18. General Provisions

• Entire agreement. These Terms, together with applicable privacy notices and App Store terms between you and Apple, constitute the entire agreement between you and iClara regarding the Services.
• Severability. If any provision is held unenforceable, the remaining provisions remain in full force, and the unenforceable provision shall be modified to the minimum extent necessary to make it enforceable.
• No waiver. Failure to enforce any provision is not a waiver of the right to do so later.
• Assignment. You may not assign these Terms without our prior written consent. iClara may assign these Terms in connection with a reorganization, merger, or sale of assets.
• Language. These Terms may be provided in English, Spanish, and Russian. For interpretation, the Spanish version shall prevail for users in Mexico; for other users, the English version shall prevail to the extent permitted by law, except where mandatory local law requires the local language version to control.
• Third-party beneficiaries. Apple, and Apple’s subsidiaries, are third-party beneficiaries of provisions relating to your use of applications obtained through the App Store, and may enforce such provisions.
• Export. You agree to comply with applicable export control and sanctions laws.

19. Contact

For questions about these Terms or legal notices:

Email: legal@iclara.app
Website: https://iclara.app

These Terms are provided for transparency and risk allocation. They do not constitute legal advice to you. iClara may update them as products and laws evolve. For personalized legal advice, consult a qualified attorney in your jurisdiction.