Terms of Use

1. Agreement to Terms

By downloading, installing, or using SelfCapsule ("the App"), you agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, do not install or use the App.

You must accept these Terms before using the App. Your continued use of the App constitutes ongoing acceptance.

Age Requirement

You must be at least 18 years of age to use the App. By agreeing to these Terms, you represent and warrant that you are at least 18 years old. If you are under 18, you may not download, install, or use the App. SelfCapsule does not knowingly collect or store data from anyone under the age of 18.

2. Description of Service

SelfCapsule is a personal finance organization and tracking tool designed to run entirely on your local device. The App allows you to record, categorize, and view your financial transactions, budgets, investments, and related data.

SelfCapsule is not a financial institution, bank, investment advisor, broker-dealer, credit counselor, tax preparer, or debt consolidator under any applicable federal or state law.

Marketing Materials

Screenshots, illustrations, and marketing images of the App shown on selfcapsule.com and in other promotional materials are provided for illustrative purposes only. The App's appearance, layout, and specific feature details may change between versions and may differ from images shown. The current version of the App is the authoritative reference for its actual behaviour and feature set.

3. Not Financial, Investment, Tax, or Legal Advice

Any information, insights, reports, charts, budgets, categorizations, projections, or other content provided by or through the App is for general informational and personal organizational purposes only. Nothing in the App constitutes financial, investment, legal, accounting, tax, insurance, or other professional advice.

You should always consult a qualified and certified financial advisor, accountant, tax professional, or other appropriate professional before making any financial decisions. The App does not recommend or endorse any specific financial strategy, investment, product, or course of action.

Past trends, historical data, or patterns displayed in the App do not predict, guarantee, or imply future performance or results.

4. AI-Generated Content Disclaimer

The App includes artificial intelligence features powered by local language models (such as Ollama). These AI features may provide transaction categorization, financial insights, anomaly detection, budget suggestions, and conversational responses.

Accuracy Not Guaranteed

Given the probabilistic nature of machine learning, AI-generated content may contain errors, inaccuracies, incomplete information, or misleading outputs. AI outputs are generated automatically and are not reviewed by financial professionals.

Not a Substitute for Professional Judgment

AI-generated insights, suggestions, and categorizations are provided for convenience only. You must independently verify all AI-generated output before relying on it. Reliance on unverified AI output could cause harm, including but not limited to financial, legal, and personal harm.

Your Responsibility

You are solely responsible for reviewing, validating, and making decisions based on any AI-generated content. The App's AI features do not constitute financial advice, and no AI output should be treated as a recommendation to take or refrain from any financial action.

Sensitive Information

Exercise caution when interacting with AI features. Do not input sensitive personal information (such as passwords, government identification numbers, or account credentials) into AI prompts.

5. Investment Tracking Disclaimer

The App's investment tracking feature allows you to record and view portfolio positions, values, and performance metrics.

• Investment values, returns, and performance metrics displayed are based solely on data you enter and are for informational and organizational purposes only. They do not constitute an offer to buy, sell, or recommend any security, investment, or financial product.
• All investments carry risk, including the potential loss of principal. The App does not guarantee, predict, or imply any investment outcome or return.
• Portfolio values displayed may not reflect real-time market prices, may be delayed, and may differ from values reported by your brokerage or financial institution.
• You should consult with a licensed broker or financial advisor before making any investment decisions.

6. Currency and Exchange Rate Disclaimer

The App may display currency conversions or foreign exchange (FX) rates for informational purposes only.

• FX rates are approximate, may be delayed, and may not reflect current market rates at the time of viewing.
• Do not rely on the App's FX rates for tax reporting, official financial calculations, regulatory filings, or any purpose requiring precise or real-time exchange rates.
• You are responsible for obtaining accurate exchange rates from authoritative sources for any official or financial reporting purpose.

7. Data Accuracy and Imported Data

• The App displays data exactly as you input or import it. The accuracy of all data within the App depends entirely on the quality and accuracy of the source data you provide.
• SelfCapsule is not responsible for errors, omissions, or inaccuracies in data imported from bank statements, financial institutions, CSV files, OFX files, or any other external source.
• Data displayed in the App does not represent an official record of your account with any financial institution and may not reflect your most recent transactions or balances.
• You are solely responsible for verifying that imported and displayed data is accurate and complete.

8. Local Data Storage and Backup

All Data Is Local

SelfCapsule stores all data exclusively on your device. No data is transmitted to, stored on, or accessible by SelfCapsule's developers, any cloud service, or any third party. We have no ability to access, recover, or view your data.

No Cloud Backup

The App does not include cloud backup, sync, or remote storage features. All data resides solely on your device.

Data Loss Risk

If your device is lost, stolen, damaged, or if the App is uninstalled, your data may be permanently and irrecoverably lost. You are solely responsible for maintaining your own backups of your data.

Encryption

The App encrypts your local database at rest. However, no security measure is completely impenetrable, and SelfCapsule does not guarantee that unauthorized access to your device will not result in access to your data.

Export and Portability

You may export your data using the App's built-in export features. You are encouraged to make regular backups.

9. Intellectual Property and License

License Grant

Subject to your compliance with these Terms, SelfCapsule grants you a personal, limited, non-exclusive, non-transferable, revocable license to download, install, and use the App on devices you own or control, for your personal, non-commercial financial management purposes.

Restrictions

You may not:

• Reproduce, duplicate, copy, sell, resell, lease, rent, loan, or distribute the App or any portion thereof
• Modify, decompile, disassemble, reverse engineer, or create derivative works based on the App
• Remove, alter, or obscure any proprietary notices, labels, or marks in the App
• Use the App to develop a competing product or service
• Use the App on behalf of any third party or provide it as a service to others
• Circumvent any technical limitations or access controls in the App

Ownership

SelfCapsule and its licensors retain all right, title, and interest in and to the App, including all intellectual property rights. These Terms do not grant you any rights to SelfCapsule's trademarks, trade names, logos, or branding.

AI Output Restrictions

You may not use any content, data, outputs, or information generated by the App's AI features to create, train, test, or improve any machine learning algorithms, artificial intelligence systems, or associated models, whether commercial or non-commercial.

Perpetual License to Purchased Version

A Pro license grants you a perpetual right to use the version of the App that is current at the time of purchase, together with any updates we release while your license is active, on devices you own or control, subject to these Terms. Your license does not expire and will continue to function on your device even if SelfCapsule discontinues the App or the license activation service. Ongoing updates, operating system compatibility, and support are provided on the basis set out in our Support and Lifecycle Policy.

10. Prohibited Conduct

You agree not to:

• Use the App for any unlawful purpose or in violation of any applicable laws or regulations
• Attempt to gain unauthorized access to any portion of the App or its underlying systems
• Introduce viruses, malware, or other harmful code through or in connection with the App
• Use the App in any manner that could damage, disable, overburden, or impair its functionality
• Use the App to generate misleading financial records for fraudulent purposes
• Share, publish, or distribute AI-generated outputs from the App in a way that misrepresents them as professional financial advice

11. License Keys

• Certain features of the App require a valid Pro license key. License keys are non-transferable and are intended for use by a single user on their personal devices.
• Sharing, reselling, or distributing license keys is prohibited and may result in deactivation of the key without refund.
• SelfCapsule reserves the right to deactivate license keys obtained through fraud, chargebacks, or violation of these Terms.
• The free tier provides access to core features with usage-based limits. Feature availability and limits may change with future updates.

Refunds

If you are unsatisfied with your Pro license, you may request a refund within thirty (30) days of purchase. Refund requests after this period will be considered at SelfCapsule's discretion. Refunds are not available if your license was deactivated due to a violation of these Terms.

Because SelfCapsule stores your license locally and does not revalidate it over the internet after activation, refunds are conditional on you first deactivating your license from within the app. To request a refund:

1. Open SelfCapsule and go to Settings, then License, then click "Deactivate This Device". This frees your activation slot and returns the app to the free tier on this device.
2. Email us at support@selfcapsule.com to confirm you have deactivated and to request the refund.
3. We will revoke your license key on our side and issue the refund through Polar. Your local app data remains intact and you retain access to all free-tier features.

If you cannot deactivate because you no longer have access to the device, contact support and we will revoke the key manually. Revoked keys cannot be reactivated.

12. Device Security

You are solely responsible for maintaining the security of the device(s) on which the App is installed, including but not limited to device passwords, biometric locks, and operating system updates.

SelfCapsule is not responsible for unauthorized access to your data resulting from inadequate device security, lost or stolen devices, or shared device access.

13. Disclaimer of Warranties

The App is provided to you "as is" and "as available" with all faults and defects, without warranty of any kind. To the maximum extent permitted by applicable law, SelfCapsule expressly disclaims all warranties, whether express, implied, statutory, or otherwise, including but not limited to the implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

Without limitation, SelfCapsule makes no warranty or undertaking that the App will:

• Meet your requirements or achieve any intended results
• Be compatible or work with any other software, applications, or systems
• Operate without interruption, error, or defect
• Provide accurate, reliable, or complete results or data
• Meet any performance or reliability standards

Our obligations to release updates, maintain compatibility with operating systems, and provide end-of-life notice are set out in our Support and Lifecycle Policy. Nothing in this disclaimer limits those obligations, and nothing in this disclaimer limits your non-excludable rights under applicable consumer protection law (see section 19).

14. Limitation of Liability

To the maximum extent permitted by applicable law, in no event shall SelfCapsule, its developers, affiliates, licensors, or suppliers be liable to you or any third party for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Loss of profits, revenue, or income
• Loss of data or data corruption
• Loss of business opportunity
• Personal injury or property damage
• Cost of substitute goods or services
• Any damages arising from your use of or inability to use the App

Even if SelfCapsule has been advised of the possibility of such damages.

To the maximum extent permitted by applicable law, the aggregate liability of SelfCapsule for all claims arising out of or relating to these Terms or your use of the App shall not exceed the greater of: (a) the total amount you paid to SelfCapsule for your Pro license, or (b) one hundred Australian dollars (AUD $100).

15. Indemnification

You agree to indemnify, defend, and hold harmless SelfCapsule, its developers, affiliates, and their respective officers, directors, employees, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or related to:

• Your use of the App
• Your violation of these Terms
• Your reliance on any data, content, or AI-generated output from the App
• Any financial decisions you make based on information from the App
• Your failure to maintain adequate backups of your data

16. Third-Party Software and AI Dependencies

The App incorporates or relies on third-party open-source software components, including but not limited to:

• Ollama, an independent open-source runtime used to execute local language models on your device.
• Language model weights published by third parties (for example, Meta's Llama family, Alibaba's Qwen, and similar), which you download through the App.
• SQLite (via better-sqlite3-multiple-ciphers) and other open-source libraries bundled with the App.

Each of these components is provided under its own license and is maintained by its respective authors, not by SelfCapsule. SelfCapsule does not control, and is not responsible for:

• The continued availability of any third-party runtime or model.
• Changes to the license, terms, distribution, or behaviour of any third-party runtime or model.
• Bugs, inaccuracies, security vulnerabilities, or performance issues in third-party components.
• Model outputs, biases, or content produced by any third-party language model.

If a third-party component we rely on is withdrawn, changes its license in a way that prevents us from continuing to ship it, or ships a breaking change, the AI or other features that depend on that component may be reduced or removed from future versions of the App. The core offline budgeting functionality of the App does not depend on AI components and will continue to work.

SelfCapsule makes no warranties regarding third-party components and is not liable for any damages arising from their use, unavailability, or discontinuation.

17. Updates and Discontinuation

• SelfCapsule may release updates to the App that modify features, functionality, or these Terms. Continued use of the App after an update constitutes acceptance of any revised Terms.
• SelfCapsule is under no obligation to provide updates, maintenance, support, or new features.
• Changes to these Terms will be communicated through the App or on the SelfCapsule website. Material changes will be accompanied by a new version number and effective date.

Discontinuation

SelfCapsule may discontinue the App or any of its features, in whole or in part, at any time. Where practicable, SelfCapsule will provide reasonable notice of discontinuation in accordance with our Support and Lifecycle Policy. A Pro license is a one-time purchase and is not a subscription; no pro-rata refund is payable on discontinuation. However, if the App is fully discontinued within twelve (12) months of your purchase, we will, on request, issue a full refund of the purchase price.

18. Termination

• You may stop using the App at any time by uninstalling it from your device.
• SelfCapsule may terminate or suspend your license key at any time for violation of these Terms.
• Upon termination, your right to use Pro features ceases. Your locally stored data remains on your device and is not affected by license termination.
• Sections 3, 4, 5, 6, 7, 8, 9, 13, 14, 15, and 19 shall survive any termination of these Terms.

19. Governing Law and Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of New South Wales, Australia, without regard to its conflict of law provisions.

Any dispute arising out of or relating to these Terms or the App shall first be attempted to be resolved through good faith negotiation within thirty (30) days of written notice. If negotiation fails, disputes shall be resolved through binding arbitration administered by the Australian Centre for International Commercial Arbitration (ACICA) in accordance with the ACICA Arbitration Rules. The seat of arbitration shall be Sydney, New South Wales. Either party may seek injunctive or other equitable relief in any court of competent jurisdiction.

Class Action Waiver

To the maximum extent permitted by applicable law, you and SelfCapsule agree that each party may bring disputes against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, consolidated, or representative proceeding. If this specific provision is found to be unenforceable, then the entirety of this arbitration provision shall be null and void.

Statutory Consumer Rights

Nothing in these Terms is intended to exclude, restrict, or modify any rights or remedies you may have under mandatory consumer protection laws that cannot be excluded by agreement, including:

• The Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010)
• The consumer protection laws of the European Union, European Economic Area, or United Kingdom
• Any other mandatory consumer protection laws applicable in your jurisdiction of residence

Where such laws apply, our liability is limited to the maximum extent permitted by those laws. To the extent there is a conflict between these Terms and any applicable mandatory consumer protection law, the mandatory law prevails.

20. Privacy

SelfCapsule does not collect, transmit, or store any of your personal or financial data. All data remains exclusively on your local device. For details on how we handle any information outside the App (such as website analytics, license key activation, or support communications), please refer to our Privacy Policy.

21. Severability

If any provision of these Terms is held to be unenforceable or invalid, that provision shall be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, severed from these Terms. All remaining provisions shall continue in full force and effect.

22. Entire Agreement

These Terms constitute the entire agreement between you and SelfCapsule regarding your use of the App and supersede all prior agreements, understandings, and communications, whether written or oral.

23. Contact

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

• General inquiries: selfcapsule.com/contact
• Privacy inquiries: privacy@selfcapsule.com