Terms of Service

These Terms of Service ("Terms") govern your access to and use of BizLifeOS ("the Service"), operated by Jacob Fischer ("we," "our," or "us"). By accessing or using BizLifeOS, you agree to be bound by these Terms.

1. Acceptance of Terms

By creating an account or using BizLifeOS, you confirm that you are at least 13 years old and agree to these Terms. If you are using the Service on behalf of a business or organization, you represent that you have the authority to bind that entity to these Terms.

2. Account Responsibilities

When you create an account with BizLifeOS, you agree to:

• Provide accurate, current, and complete registration information
• Maintain the security of your account credentials
• Promptly update any information that changes
• Accept responsibility for all activity that occurs under your account
• Notify us immediately of any unauthorized use of your account

You are solely responsible for maintaining the confidentiality of your login credentials. We are not liable for any loss or damage arising from unauthorized access to your account.

3. Subscription Plans

BizLifeOS offers the following subscription tiers:

Free Plan

• Access to core features with limited functionality
• Basic dashboard views
• Community support

Pro Plan — $12.99/month

• Full access to all dashboard views and features
• Unlimited data storage
• Priority support
• Advanced analytics and reporting
• Calendar, email, and financial integrations

Business Plan — $24.99/month

• Everything in Pro, plus:
• Multi-user team access
• Invoice and client management tools
• Marketing automation features
• API access and custom integrations
• Dedicated support

We reserve the right to modify subscription pricing with 30 days advance notice. Existing subscribers will be grandfathered at their current rate for the remainder of their billing cycle.

4. Payment and Billing

Payments for BizLifeOS subscriptions are processed through:

• Apple In-App Purchases (IAP): For subscriptions initiated through the iOS or macOS app. Apple's terms and refund policies apply.
• Stripe: For subscriptions initiated through the web. Stripe securely handles all payment processing.

Subscriptions are billed on a recurring monthly basis. Your payment method will be charged automatically at the start of each billing period unless you cancel before the renewal date.

5. Cancellation and Refunds

• You may cancel your subscription at any time through your account settings or the App Store.
• Cancellation takes effect at the end of the current billing period. You will retain access to paid features until then.
• We do not provide prorated refunds for partial billing periods.
• For subscriptions purchased through Apple IAP, refund requests must be submitted through Apple.
• For Stripe subscriptions, refund requests may be made within 7 days of the most recent charge by contacting us at jacobfischer54@icloud.com.

6. Acceptable Use Policy

You agree not to use BizLifeOS to:

• Violate any applicable laws or regulations
• Upload or transmit malicious code, viruses, or harmful content
• Attempt to gain unauthorized access to other users' accounts or data
• Use the Service to harass, abuse, or harm others
• Scrape, mine, or extract data from the Service using automated tools
• Interfere with or disrupt the Service's infrastructure
• Resell, redistribute, or sublicense the Service without written permission

We reserve the right to suspend or terminate accounts that violate this policy without prior notice.

7. Intellectual Property

All content, features, functionality, branding, and code that comprise BizLifeOS are owned by Jacob Fischer and protected by copyright, trademark, and other intellectual property laws.

Your content: You retain full ownership of all data and content you input into BizLifeOS. By using the Service, you grant us a limited license to store, process, and display your content solely for the purpose of providing the Service to you.

8. Limitation of Liability

To the maximum extent permitted by law:

• BizLifeOS is provided "as is" and "as available" without warranties of any kind, express or implied.
• We do not guarantee that the Service will be uninterrupted, error-free, or secure.
• We are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service.
• Our total liability to you for any claims arising from the Service shall not exceed the amount you paid us in the 12 months preceding the claim.
• We are not responsible for any financial decisions made based on data managed within BizLifeOS.

9. Termination

We may suspend or terminate your access to BizLifeOS at our sole discretion, with or without notice, for conduct that we believe violates these Terms or is harmful to other users, us, or third parties.

Upon termination:

• Your right to use the Service will immediately cease.
• You may request an export of your data within 30 days of termination.
• We may delete your account data after 30 days unless required by law to retain it.

10. Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be communicated via email or an in-app notification at least 14 days before they take effect. Your continued use of BizLifeOS after the effective date of changes constitutes acceptance of the updated Terms.

11. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Minnesota, United States of America, without regard to its conflict of law provisions. Any disputes arising from these Terms shall be resolved in the state or federal courts located in Minnesota.

12. Contact Us

If you have any questions about these Terms of Service, please contact us:

• Email: jacobfischer54@icloud.com