Terms of Service

Effective Date: 7 February 2026  |  Last Updated: 7 February 2026

1. Definitions

In these Terms of Service:

• "App" means the Closer mobile application, including any updates, patches, and new versions
• "Service" means the App and all related services, including widgets, Apple Watch companions, complications, and iCloud synchronisation
• "Developer", "we", "our", or "us" refers to George Parker, the sole developer of the App
• "User", "you", or "your" refers to any person who downloads, installs, or uses the App
• "Pro" refers to the premium upgrade available as an in-app purchase
• "Content" means all data, text, graphics, interfaces, and code within the App

2. Acceptance of Terms

By downloading, installing, accessing, or using the App, you confirm that:

1. You have read, understood, and agree to be bound by these Terms
2. You have read and understood our Privacy Policy
3. You meet the eligibility requirements set out in Section 4
4. You accept that these Terms form a legally binding agreement between you and the Developer

If you do not agree to any part of these Terms, you must immediately stop using and delete the App.

3. Description of Service

Closer is a personal net worth tracking application that enables you to:

• Manually track assets (savings, investments, property, cryptocurrency, and other valuables) and liabilities (debts, loans, mortgages)
• Calculate and visualise your net worth over time
• Set and monitor financial goals with milestones
• View indicative stock and cryptocurrency price data from third-party providers
• Access widgets on your home screen, lock screen, and Apple Watch
• Optionally sync data across your devices via iCloud (Pro feature)

4. Eligibility

You must be at least 13 years of age (or the minimum age required in your jurisdiction) to use the App. If you are under 18, you confirm that you have obtained consent from a parent or legal guardian to use the App and that they have read and agreed to these Terms on your behalf.

5. User Data & Responsibility

The App does not require account registration. All data is self-reported and stored locally on your device. You are solely responsible for:

• The accuracy and completeness of all financial data you enter
• Maintaining regular backups of your data (we recommend enabling iCloud Sync)
• Securing physical access to your device and enabling appropriate device-level security (passcode, biometrics)
• Any decisions you make based on data displayed within the App

We are not responsible for any data loss resulting from device failure, theft, accidental deletion, software updates, or any other cause.

6. In-App Purchases

6.1 Pro Upgrade

The App offers a Pro upgrade as a one-time, non-consumable in-app purchase. This purchase unlocks Pro features permanently for the purchasing Apple ID.

6.2 Payment Processing

• All payments are processed exclusively by Apple through the App Store
• Payment is charged to the Apple ID used at the time of purchase confirmation
• We do not collect, process, or store any payment information
• Pricing is set in App Store Connect and may vary by region due to Apple's pricing tiers

6.3 Refunds

All refund requests are handled by Apple in accordance with their policies. To request a refund, visit reportaproblem.apple.com. We do not process refunds directly.

6.4 Restore Purchases

If you reinstall the App or switch devices, you can restore your Pro purchase at no additional cost using the "Restore Purchases" function within the App.

6.5 Apple's Standard EULA

In-app purchases are additionally governed by Apple's Licensed Application End User Licence Agreement (Standard EULA).

7. Free & Pro Features

We reserve the right to modify, add, or remove features in future updates. Pro users will not lose access to features that were available at the time of purchase.

8. No Financial Advice

You expressly acknowledge and agree that:

1. The App is a personal tracking tool only — it does not provide financial, investment, tax, legal, or accounting advice
2. No information displayed in the App constitutes a recommendation to buy, sell, hold, or otherwise deal in any financial instrument, security, cryptocurrency, or asset
3. All financial data in the App is self-reported by you and we make no warranties regarding its accuracy
4. Stock and cryptocurrency prices are indicative only, sourced from third-party APIs, may be delayed up to 24 hours, and may contain errors
5. You must seek advice from a qualified, regulated financial adviser before making any financial decisions
6. The Developer is not responsible for any financial decisions you make based on information displayed in the App

9. Third-Party Data & Services

The App displays market data from third-party providers (Finnhub and CoinGecko). You acknowledge that:

• Third-party data is provided "as is" without any warranty of accuracy, timeliness, or completeness
• Prices may be delayed, incorrect, or unavailable at any time
• Data availability depends on the third-party providers and may be interrupted or discontinued without notice
• We have no control over, and assume no responsibility for, third-party data quality or availability
• You should independently verify any market data before making financial decisions

10. Intellectual Property

All intellectual property rights in the App — including but not limited to its source code, design, graphics, icons, user interface, animations, text, and documentation — are owned by George Parker and are protected by applicable copyright, trade mark, and intellectual property laws.

You are granted a limited, non-exclusive, non-transferable, revocable licence to use the App on devices you own or control, solely for personal, non-commercial purposes, subject to these Terms and the Apple Standard EULA.

You may not:

• Copy, modify, adapt, translate, or create derivative works based on the App
• Reverse engineer, decompile, disassemble, or attempt to derive the source code of the App
• Remove, alter, or obscure any copyright, trade mark, or other proprietary notices
• Distribute, sublicence, lease, rent, or lend the App to any third party
• Use any automated system to access or interact with the App

11. Acceptable Use

You agree to use the App only for lawful purposes. You shall not use the App:

• In any way that violates applicable local, national, or international law or regulation
• For any fraudulent purpose, or in connection with money laundering or terrorist financing
• To attempt to gain unauthorised access to the App, its underlying systems, or any connected networks
• To interfere with or disrupt the integrity or performance of the App or third-party APIs
• To transmit any malware, viruses, or harmful code

12. Disclaimer of Warranties

The Developer expressly disclaims all warranties, including but not limited to:

• Merchantability — that the App is fit for commercial or any particular purpose
• Fitness for purpose — that the App will meet your specific requirements or expectations
• Accuracy — that any data, calculations, or information displayed will be accurate, complete, or current
• Reliability — that the App will operate without interruption, errors, or bugs
• Compatibility — that the App will function on all devices, operating system versions, or configurations
• Security — that the App or your data will be entirely secure from all threats (though we implement reasonable security measures)

No advice or information, whether oral or written, obtained from the Developer or through the App, shall create any warranty not expressly stated in these Terms.

13. Limitation of Liability

To the maximum extent permitted by applicable law, the Developer shall not be liable for any:

• Indirect, incidental, special, consequential, or punitive damages
• Loss of profits, revenue, data, business, or anticipated savings
• Loss of goodwill or reputation
• Cost of procuring substitute services

arising out of or in connection with:

• Your use of, or inability to use, the App
• Any errors, inaccuracies, or omissions in App content, calculations, or displayed data
• Third-party API data, including stock and cryptocurrency prices
• Unauthorised access to, alteration of, or loss of your data
• Any financial decisions you make based on information displayed in the App
• Interruption, suspension, or cessation of the Service
• Bugs, viruses, or other harmful code transmitted through the App

In any event, the Developer's total aggregate liability to you for all claims arising from or related to the App shall not exceed the amount you paid for the App or its in-app purchases in the twelve (12) months preceding the event giving rise to the claim, or £50 (fifty pounds sterling), whichever is greater.

Consumer Rights Preservation

14. Indemnification

You agree to defend, indemnify, and hold harmless the Developer from and against any and all claims, damages, obligations, losses, liabilities, costs, or expenses (including reasonable legal fees) arising from:

1. Your use of the App
2. Your violation of these Terms
3. Your violation of any applicable law or regulation
4. Your violation of any third party's rights

This indemnification obligation shall survive termination of these Terms.

15. Termination

We may suspend or terminate your access to the App at any time, without prior notice, if we reasonably believe you have violated these Terms. Upon termination:

• Your licence to use the App is immediately revoked
• You must cease all use of the App and delete it from your devices
• Sections 8, 10, 12, 13, 14, 18, and 19 shall survive termination

You may terminate your use at any time by deleting the App. Termination does not entitle you to a refund of any in-app purchases.

16. Force Majeure

The Developer shall not be liable for any failure or delay in performance arising from causes beyond our reasonable control, including but not limited to: acts of God, natural disasters, pandemic, epidemic, war, terrorism, civil unrest, government action, power or internet failure, or disruption of third-party services (including Apple, Finnhub, or CoinGecko).

17. Modifications to Terms

We reserve the right to modify these Terms at any time. When we do:

• The "Last Updated" date at the top will be revised
• Material changes may be communicated through an in-app notification or App Store release notes
• Your continued use of the App after changes are posted constitutes your acceptance of the revised Terms

If you disagree with any changes, you must stop using the App and delete it from your devices.

18. Governing Law & Dispute Resolution

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

Any disputes arising out of or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales. However, this does not affect your statutory right, as a consumer, to bring proceedings in the courts of your country of residence.

Before initiating formal proceedings, both parties agree to first attempt to resolve any dispute informally by contacting support@closerapp.co.uk. We will make reasonable efforts to resolve your concern within 30 days.

19. Severability

If any provision of these Terms is found to be unlawful, void, or unenforceable by a court of competent jurisdiction, that provision shall be deemed severed from these Terms and shall not affect the validity or enforceability of the remaining provisions, which shall continue in full force and effect.

20. Waiver & Assignment

The failure of the Developer to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver must be in writing and signed by the Developer.

You may not assign, transfer, or sublicence your rights or obligations under these Terms without our prior written consent. We may freely assign our rights and obligations under these Terms.

21. Entire Agreement

These Terms, together with our Privacy Policy and Apple's Standard EULA, constitute the entire agreement between you and the Developer regarding the use of the App. They supersede all prior or contemporaneous communications, proposals, and agreements, whether oral or written.

22. Contact Us

If you have any questions, concerns, or complaints about these Terms, please contact: