Terms & Conditions

By accessing or using Quanzio, you confirm that you are at least 13 years of age (or 14 years of age if you are located in Quebec, Canada), that you have the legal capacity to enter into these Terms, and that you agree to be bound by them. If you are under the applicable minimum age, you may not use the app.

Children's Privacy and COPPA: Quanzio does not collect personal information from any user, regardless of age. No account creation, data submission, or transmission of personal information is required or possible within the app. As a result, no verifiable parental consent mechanism is required under the Children's Online Privacy Protection Act (COPPA) or equivalent Canadian laws. Exchange rate requests made by the app transmit no user data of any kind.

Quebec — French Language Rights: Pursuant to Quebec's Charter of the French Language (as amended), users in Quebec have the right to receive this agreement in French before accepting it in another language. A French-language version of these Terms is available upon written request to [email protected]. We will provide it promptly upon request.

We reserve the right to modify these Terms at any time. We will indicate the date of the most recent revision at the top of this document. Your continued use of the app after any changes constitutes your acceptance of the updated Terms.

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to download and use Quanzio on an iPhone that you own or control, solely for your personal, non-commercial purposes, as permitted by the App Store's Usage Rules.

You may not:

• Copy, modify, or distribute the app or any part of it
• Reverse engineer, decompile, or disassemble the app
• Rent, lease, lend, sell, or sublicense the app
• Use the app for any unlawful purpose
• Remove or alter any proprietary notices or labels on the app

All rights not expressly granted here are reserved by Caywood Creative.

4.1 Unlock Purchase

Quanzio offers a single one-time, non-consumable in-app purchase ("Quanzio Unlock," $2.99 USD / equivalent in CAD) that removes the free tier's limits and unlocks unlimited trips and ledger entries. This is a one-time purchase — there is no subscription, no recurring billing, and no automatic renewal of any kind.

All pricing is set by and displayed through the Apple App Store and may vary by region, currency, or due to App Store pricing adjustments.

4.2 Restore Purchases

If you reinstall Quanzio on the same device, or install it on a new device, you can restore your Unlock purchase at no additional charge using the "Restore Purchases" option in Settings or on the paywall screen. Restoration is handled by Apple's StoreKit and is tied to your Apple ID.

4.3 Payment and Billing

All payment processing is handled exclusively by Apple. We do not collect, process, or store your payment information. By making a purchase, you also agree to Apple's App Store terms and conditions.

4.4 Refunds

All purchases are processed through the Apple App Store. Refund requests are subject to Apple's standard refund policies and must be submitted directly to Apple. We do not process refunds. To request a refund, visit reportaproblem.apple.com.

All trip data, purchase entries, and settings you create in Quanzio are stored locally on your device. You are responsible for maintaining backups of your own data. We have no access to your data and therefore cannot restore it if it is lost due to device failure, deletion, or any other cause.

Exchange rates displayed in the app are sourced from Frankfurter (frankfurter.dev) and are provided for informational and convenience purposes only. Exchange rates fluctuate and may differ from rates offered by banks, payment processors, or currency exchange services. You should not rely on Quanzio's exchange rate data for financial or legal purposes.

Quanzio interacts with the following third-party services:

Frankfurter (frankfurter.dev) / Cloudflare: Used to fetch current exchange rates. No personal information is transmitted as part of these requests. Frankfurter's service is provided as-is; we are not responsible for its availability or accuracy.

Apple StoreKit: Handles all in-app purchase transactions. Governed by Apple's terms and privacy policies.

SFSafariViewController: Used to open official government resource links in Settings. These are user-initiated navigations to third-party websites; we are not responsible for the content, accuracy, or practices of those external sites.

Caywood Creative is not responsible for the practices, availability, or actions of any third-party service provider. Each third-party service operates under its own terms and policies.

Quanzio, including its name, logo, design, user interface, and all related content, is owned by Caywood Creative and is protected by applicable intellectual property laws. Nothing in these Terms transfers ownership of any intellectual property to you.

We do not warrant that:

• The app will be uninterrupted, error-free, or free of viruses or other harmful components
• Exchange rates or converted amounts will be accurate, current, or suitable for any specific purpose
• The app will be available in all locations or at all times
• Defects will be corrected

No advice or information obtained from us, whether oral or written, will create any warranty not expressly stated in these Terms.

Our total liability to you for any claims arising from your use of the app shall not exceed the amount you paid for the app (including any in-app purchases) in the twelve (12) months preceding the claim, or $10.00 USD, whichever is greater.

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability is limited to the extent permitted by law.

You agree to indemnify, defend, and hold harmless Caywood Creative from and against any third-party claims, liabilities, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or related to your violation of these Terms or your use of the app.

These Terms are governed by and construed in accordance with the laws of the State of Florida, USA, without regard to its conflict of law provisions. For Canadian users, mandatory consumer protection laws of your province or territory may also apply and are not excluded by this clause.

Any dispute arising out of or relating to these Terms or your use of Quanzio shall first be attempted to be resolved informally by contacting us in writing at [email protected]. The informal resolution period begins upon our receipt of your written notice. If informal resolution is not achieved within sixty (60) days of that notice, disputes shall be resolved in the state or federal courts located in Florida, USA, and you consent to personal jurisdiction in those courts.

Nothing in this section prevents either party from seeking injunctive or other equitable relief in any court of competent jurisdiction.

To the maximum extent permitted by applicable law, you agree to resolve any dispute with Caywood Creative on an individual basis only, and not as a plaintiff or class member in any purported class, collective, or representative proceeding. This waiver does not apply where prohibited by law.

Caywood Creative shall not be liable for any failure or delay in performance resulting from causes beyond our reasonable control, including but not limited to: unavailability of third-party services (such as exchange rate APIs or the Apple App Store), internet or network disruptions, acts of God, governmental actions, or other circumstances outside our control. Features that depend on third-party services — such as live exchange rates — may be temporarily unavailable during such events.

Quanzio is distributed exclusively through the Apple App Store in the United States and Canada. You agree to comply with all applicable U.S. and Canadian export control laws and regulations in connection with your use of the app.

We reserve the right to discontinue offering Quanzio or to remove it from the App Store at any time, with or without notice. If you violate these Terms, your license to use the app terminates immediately. Upon termination, you should delete the app from your device. All data stored locally on your device remains under your control; we have no ability to access or delete it remotely.

These Terms are between you and Caywood Creative only, not with Apple Inc. Apple has no obligation to provide maintenance or support for Quanzio. To the extent required by applicable law, Apple and its subsidiaries are third-party beneficiaries of these Terms with respect to the license granted to you herein, and Apple has the right (and is deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.

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 continue in full force and effect.

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Caywood Creative regarding your use of Quanzio and supersede any prior agreements or understandings.

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