The Adulting Ratio
Last Updated: October 30, 2025
Effective Date: October 4, 2025
TL;DR (Summary)
✅ You must be 13+ to use this app
✅ Your data belongs to you
✅ We provide the app “as is” with no guarantees
✅ You’re responsible for your account security
✅ Paid subscriptions can be cancelled anytime
✅ Downgrading to the free plan deletes level progress and challenge history
✅ We’re not liable for any damages from app use
✅ Be respectful and follow the law
1. Acceptance of Terms
By creating an account or using The Adulting Ratio mobile application (“App”), you agree to be bound by these Terms of Service (“Terms”). If you do not agree to these Terms, you may not use the App.
We reserve the right to update these Terms at any time. Continued use of the App after changes constitutes acceptance of the updated Terms.
2. Eligibility
Age Requirement:
You must be at least 13 years old to use The Adulting Ratio.
Parental Consent:
If you are between 13-17 years old, you must have parental consent to use the App.
Account Accuracy:
You agree to provide accurate information when creating your account and to keep this information up to date.
3. User Account & Security
Account Responsibility:
- You are responsible for maintaining the security of your account
- You are responsible for all activities under your account
- You must notify us immediately of any unauthorized access
- You may not share your account with others
Account Security:
- Use a strong, unique password
- Enable biometric authentication if available
- Do not share your password with anyone
Account Termination:
You may delete your account at any time through the App settings. We may suspend or terminate your account if you violate these Terms.
4. Acceptable Use
You agree NOT to:
- Use the App for any illegal purpose
- Harass, abuse, or harm other users
- Impersonate any person or entity
- Interfere with or disrupt the App
- Reverse engineer or decompile the App
- Attempt to gain unauthorized access to the App
- Upload viruses or malicious code
- Manipulate level challenges, challenge credit hours, or badges through automated or dishonest means
- Scrape, data mine, or extract data from the App
- Use the App to spam or send unsolicited messages
5. Subscription & Payments
5.1 Free Tier
The App offers a free tier with basic features available at no cost.
5.2 Paid Tier
Subscription Options:
- Monthly subscription ($4.99/month)
- Annual subscription ($39.99/year)
Billing:
- Subscriptions are billed through your Apple App Store or Google Play Store account
- Charges occur at the start of each billing period
- Subscriptions auto-renew unless cancelled
Cancellation:
- You may cancel your subscription at any time
- Cancellation takes effect at the end of the current billing period
- No partial refunds for unused time
- Access to paid features continues until subscription expires
Refunds:
- Refund requests must be made through Apple App Store or Google Play Store
- Refunds are subject to App Store/Play Store policies
- We do not directly process refunds
5.3 Price Changes
We reserve the right to change subscription prices. Existing subscribers will be notified 30 days in advance of any price changes.
5.4 Downgrades
If you choose “Return to Free Plan” in the App:
- Premium access ends at the close of the current billing period unless your app store processes the downgrade sooner.
- After a 24-hour grace window, we permanently delete level progression data tied to your subscription (current level, XP history, challenge completions, and challenge-credit hours). This purge cannot be reversed.
- Re-upgrading after the purge starts creates a fresh level profile; past levels, badges earned through level challenges, and challenge credit hours are not restored.
- We may retain limited audit records (timestamps, anonymized identifiers) as needed to comply with legal obligations.
6. User Content & Data
Your Data:
- You retain ownership of all data you input into the App
- You grant us a limited license to process your data to provide App functionality
- This includes level progression status, challenge completion metadata, and AI Coach transcripts associated with those challenges
- You may export or delete your data at any time
Data Storage:
- Data is stored locally on your device
- Some data is shared with OpenAI for AI features (see Privacy Policy)
- Level and challenge history is stored in our Supabase infrastructure while you have paid access; once the downgrade purge described in Section 5.4 completes, that history is permanently removed
- You are responsible for backing up your data
Level progression is calculated exclusively from hours tied to completed level challenges. Logging general time entries that are not linked to a level challenge will not advance your level.
Content Responsibility:
You are responsible for the accuracy and legality of all content you submit to the App.
Gamification Rewards:
Levels, badges, challenge streaks, and other in-app status indicators are virtual achievements with no cash or redemption value. We may adjust, revoke, or correct these indicators if we detect errors or policy violations.
7. Intellectual Property
Our Rights:
The App, including all software, design, logos, and content, is owned by The Adulting Ratio and protected by copyright, trademark, and other intellectual property laws.
License to You:
We grant you a limited, non-exclusive, non-transferable license to use the App for personal, non-commercial purposes.
Restrictions:
- You may not copy, modify, or distribute the App
- You may not create derivative works
- You may not reverse engineer the App
- You may not remove copyright or trademark notices
8. Disclaimers & Limitations
“AS IS” Service
The App is provided “as is” and “as available” without warranties of any kind, either express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, or non-infringement.
We do not guarantee:
- The App will be error-free or uninterrupted
- Defects will be corrected
- The App is free of viruses or harmful components
- Results from using the App will be accurate or reliable
Limitation of Liability:
To the maximum extent permitted by law, The Adulting Ratio and its affiliates shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, arising from your use of the App.
9. Third-Party Services
The App integrates with third-party services (OpenAI, Expo, payment processors). Your use of these services is subject to their respective terms and privacy policies.
We are not responsible for the actions or policies of third-party services.
10. Indemnification
You agree to indemnify and hold harmless The Adulting Ratio, its affiliates, officers, agents, and employees from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:
- Your use of the App
- Your violation of these Terms
- Your violation of any rights of another person or entity
- Your Content or data
11. Governing Law & Disputes
Governing Law:
These Terms are governed by the laws of the United States and the State of [Your State], without regard to conflict of law principles.
Dispute Resolution:
Any disputes arising from these Terms or the App shall be resolved through binding arbitration, except where prohibited by law.
Class Action Waiver:
You agree to resolve disputes on an individual basis and waive any right to participate in a class action.
12. Changes to These Terms
We may update these Terms from time to time. We will notify you of material changes through the App or via email.
Continued use of the App after changes constitutes acceptance of the updated Terms.
If you disagree with the changes, you must stop using the App and delete your account.
13. Termination
Your Right to Terminate:
You may delete your account at any time through App settings.
Our Right to Terminate:
We may suspend or terminate your access to the App at any time, with or without notice, for:
- Violation of these Terms
- Suspected fraudulent or illegal activity
- Extended inactivity
- Any other reason at our discretion
Effect of Termination:
Upon termination, your right to use the App ceases immediately. We may delete your data, though you can export your data before termination.
14. Miscellaneous
Entire Agreement:
These Terms, together with our Privacy Policy, constitute the entire agreement between you and The Adulting Ratio.
Severability:
If any provision of these Terms is found invalid, the remaining provisions remain in effect.
Waiver:
Our failure to enforce any provision does not waive our right to enforce it later.
Assignment:
You may not assign these Terms without our written consent. We may assign these Terms at any time.
15. Contact Us
Questions about these Terms:
- Email: support@theadultingratio.com
Acknowledgment:
By using The Adulting Ratio, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.