Terms of Service

These Terms of Service ("Terms") govern your access to and use of Life Kahaani (the "App" or "Service"), provided by [Your Company Name] ("we," "us," or "our"). By creating an account or using the App, you agree to these Terms. If you do not agree, please do not use the App.

This is a draft written to accurately reflect what this specific app actually does. It is a starting point, not a substitute for review by a qualified lawyer before you rely on it for a paying product — particularly the liability and health-disclaimer sections below, given this app touches health and financial data.

1. Description of the Service

Life Kahaani is a personal life-management application offering tools including, but not limited to: habit and task tracking, journaling, a budget tracker, a meal and nutrition log, activity and cycle tracking, lab result logging, mindfulness tools, and an AI-powered coach ("AI Coach"). Some features are available on a free basis; others require an active paid subscription ("Plus").

2. Not Medical, Financial, or Professional Advice

Life Kahaani is not a medical device and does not provide medical, psychological, nutritional, or financial advice. Features such as cycle predictions, lab result reference ranges, BMI/body composition estimates, calorie and macro calculations, insulin resistance and GLP-1 information, and any suggestions from the AI Coach are provided for general informational and educational purposes only. They are estimates based on general formulas and the information you enter, not a diagnosis, and they do not account for your full individual medical history.

Always consult a qualified physician, mental health professional, registered dietitian, or financial advisor before making decisions about your health, medication, fertility, diet, or finances. Never disregard professional advice or delay seeking it because of something you read in this App. If you are experiencing a medical emergency, contact your local emergency services immediately.

3. The AI Coach

The AI Coach is powered by a third-party large language model (Anthropic's Claude). Its responses are generated automatically and may occasionally be incomplete, inaccurate, or not appropriate for your specific situation. The AI Coach is a supportive tool for reflection and general guidance — it is not a substitute for a licensed therapist, counselor, physician, or financial professional, and it does not have the full context of your life that a human professional would.

4. Accounts

You must provide accurate information when creating an account and are responsible for maintaining the confidentiality of your password and for all activity under your account. Notify us promptly if you suspect unauthorized access to your account.

You must be at least [INSERT: 13 or 16, depending on your jurisdiction] years old to use this App.

5. Subscriptions and Billing

• Paid "Plus" subscriptions are billed on a recurring basis (monthly or annually, as selected) through our payment processor, Stripe.
• You can manage or cancel your subscription at any time through the billing portal available within the App. Cancellation stops future billing; it does not automatically refund the current billing period.
• [INSERT YOUR REFUND POLICY — e.g., "All payments are non-refundable except where required by law" or details of any refund window you choose to offer.]
• We reserve the right to change subscription pricing with advance notice; changes will not apply retroactively to a period you've already paid for.

6. Acceptable Use

You agree not to:

• Use the App for any unlawful purpose or in violation of these Terms
• Attempt to gain unauthorized access to another user's account or data
• Interfere with or disrupt the App's infrastructure, including attempting to circumvent rate limits or security controls
• Use automated means (bots, scrapers) to access the App outside of normal, intended use
• Reverse-engineer or attempt to extract the App's source code, except where permitted by law

7. Your Content

You retain ownership of the content you create and upload (journal entries, photos, voice recordings, and all other data you enter). By using the App, you grant us a limited license to store, process, and display that content solely as necessary to operate the Service for you. We do not claim ownership of your personal content, and we do not use it to train third-party AI models.

8. Intellectual Property

The App's design, code, branding, and features (excluding your own content) are owned by [Your Company Name] and protected by applicable intellectual property laws. You may not copy, modify, or redistribute the App itself without our permission.

9. Termination

You may stop using the App and delete your account at any time. We may suspend or terminate your access if you violate these Terms, engage in abusive behavior toward the Service (including abusing the AI Coach in a way that generates disproportionate cost), or as required by law. Upon termination, your right to use the App ends immediately; your data will be handled as described in our Privacy Policy.

10. Disclaimers and Limitation of Liability

The App is provided "as is" and "as available," without warranties of any kind, express or implied, including but not limited to accuracy, reliability, or fitness for a particular purpose. To the fullest extent permitted by law, [Your Company Name] shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the App, including but not limited to decisions made based on information, predictions, or AI-generated content within the App.

[INSERT: consult a lawyer on an appropriate liability cap for your jurisdiction and business structure — this section in particular should not be relied on as-is for a paying product.]

11. Changes to These Terms

We may update these Terms from time to time. If we make material changes, we will update the "Last updated" date above and, where appropriate, notify you within the App. Continued use of the App after changes take effect constitutes acceptance of the revised Terms.

12. Governing Law

[INSERT: the jurisdiction whose laws will govern these Terms, based on where your business is registered — this should be set with legal guidance.]

13. Contact Us

If you have questions about these Terms, please contact us at [INSERT SUPPORT EMAIL].