Diftiva Terms of Service

Contracting party

These terms are an agreement between you and the individual whom Apple identifies as the Seller for Diftiva on its U.S. App Store product page (the “Diftiva operator”). In these terms, “Diftiva” refers to that individual and the service they operate.

1. Eligibility and parent or guardian involvement

You must be located in the United States and be at least 13 years old to create a Diftiva account.

If you are at least 13 but have not reached the age at which you may independently consent to an online service where you live, you may use Diftiva only with permission from a parent or legal guardian. Your parent or guardian should review these terms and the Privacy Notice with you and help you evaluate financial education content. Diftiva is not directed to children under 13, and a child under 13 may not create an account.

2. Apple’s license terms

If you obtain the iOS app through Apple’s App Store, Apple’s Standard Licensed Application End User License Agreement (the “Apple Standard EULA”) governs the license to the app software. These Diftiva Terms of Service separately govern your Diftiva account, hosted services, educational content, support, paid feature access, and account deletion.

These terms supplement and do not replace the Apple Standard EULA. If there is a conflict about the license to the iOS app, the Apple Standard EULA controls. Apple is not a party to these service terms.

3. What Diftiva does

Diftiva helps you compare a planned amount with an actual amount, save the result as an entry, assign an under-plan amount to a goal, and mark money as moved based on what you report. Diftiva may also provide general educational content about budgeting and saving habits.

Diftiva is not a bank, payment provider, custodian, money transmitter, broker, credit counselor, or financial adviser. It does not connect to your bank, hold or move money, verify your entries against a financial statement, or guarantee that a goal will be achieved. “Marked as moved” is a status you report, not independent confirmation of a transfer.

4. No professional advice

Diftiva provides self-tracking tools, calculations, and general educational information, not individualized financial, investment, tax, legal, accounting, or other professional advice. You remain responsible for your decisions. Check important amounts against your own records and seek a qualified professional when appropriate.

5. Your account and responsibilities

• Provide accurate information, keep your email current, and use a strong, unique password.
• Do not share an account or allow another person to impersonate you.
• Use Diftiva lawfully and only submit content you have the right to use.
• Do not probe, disrupt, overload, reverse engineer except where law permits, or bypass security or access controls.
• Do not use Diftiva to harm, deceive, harass, exploit, or invade the privacy of another person.
• Keep independent copies of any primary financial or tax records you need.

Contact diftiva@mavurem.com promptly if you suspect unauthorized account access.

6. Your content

You retain ownership of information and files you submit. You give Diftiva a limited, non-exclusive license to host, copy, process, and display that content only as needed to operate, secure, support, and improve the service, comply with your instructions, and meet legal obligations. This license ends when the content is deleted, except for restricted backups and information that must lawfully be retained.

7. Diftiva materials

Diftiva and its licensors retain their rights in the app, service, design, software, documentation, and educational content. Subject to these terms and the Apple Standard EULA where applicable, you may use the service for personal, non-commercial purposes. No other license is granted by implication.

8. Paid access through Apple

Diftiva may offer a one-time, non-consumable “Lifetime” purchase through Apple’s in-app purchase system. The App Store displays the applicable price and tax. Apple processes payment and handles refund requests under its rules.

“Lifetime” means access to the identified Diftiva features for as long as the Diftiva service and that product remain available under the same active Diftiva account. It is not a promise that the service will operate for any person’s lifetime or forever. Diftiva may withdraw paid access if Apple reports a refund, revocation, or invalid transaction.

An eligible purchase may be restored while you are signed in to the same Diftiva account. Deleting that account permanently removes its active access, and the old purchase cannot be attached to a newly created account. Export information you want to keep and resolve purchase questions before requesting deletion.

Deleting a Diftiva account does not cancel an App Store transaction and does not automatically request or guarantee a refund. Submit any refund request through Apple. Apple’s applicable refund rules and any mandatory rights you have under law take priority over this description.

9. Privacy

The Diftiva Privacy Notice explains the information collected and used, optional analytics, service providers, retention, exports, privacy requests, and account deletion. It is incorporated into these terms by reference where permitted by law.

10. Suspension, termination, and account deletion

You may stop using Diftiva at any time and may submit an account-deletion request through the service. Diftiva may restrict or suspend access when reasonably necessary to protect the service or another person, investigate suspected misuse, comply with law, or enforce these terms. When practical, Diftiva will provide notice and an opportunity to appeal.

Diftiva may discontinue the service. Where reasonably practical, notice and an opportunity to export account data will be provided first. Sections that by their nature should survive termination remain in effect, including ownership, disclaimers, limits of liability, disputes, and lawful retention obligations.

Account deletion does not itself start an App Store refund. Any refund request must be made through Apple and remains subject to Apple’s rules and rights that cannot be limited by these terms.

11. Service availability and changes

Features may be corrected, changed, suspended, or discontinued as the service develops. Diftiva does not guarantee uninterrupted or error-free availability. Do not use Diftiva as your only record of important information. Any material change to paid access will be handled subject to applicable law and Apple’s rules.

12. Disclaimers

To the maximum extent permitted by law, Diftiva is provided “as is” and “as available,” without warranties of merchantability, fitness for a particular purpose, title, non-infringement, or that the service will be uninterrupted, accurate, secure, or error-free. These disclaimers do not exclude warranties or rights that cannot lawfully be excluded.

13. Limitation of liability

To the maximum extent permitted by law, the Diftiva operator will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, revenues, goodwill, data, or opportunities arising from the service. The operator’s aggregate liability for claims arising from Diftiva will not exceed the greater of the amount you paid for Diftiva during the 12 months before the event giving rise to the claim or 50 US dollars.

These limitations do not apply to liability that cannot lawfully be limited, including where applicable liability for fraud, willful misconduct, or personal injury caused by negligence. Some jurisdictions do not allow certain exclusions, so parts of this section may not apply to you.

14. Applicable law and disputes

The law applicable to these terms and any dispute is determined under applicable law, including any mandatory choice-of-law and consumer protection rules. These terms do not select an exclusive court or venue and do not deprive you of a right that cannot be waived. They contain no arbitration clause or class-action waiver.

15. Changes to these terms

Diftiva may update these terms as the service or law changes. The new terms will show a new effective date. Material changes will receive additional notice, and Diftiva will request acceptance again when required. Changes do not apply retroactively where prohibited by law. If you do not agree to updated terms, you may stop using the service and request account deletion.

16. General terms and contact

If a provision is unenforceable, it will be enforced to the greatest lawful extent and the remaining provisions will remain effective. A failure to enforce a provision is not a waiver. You may not transfer these terms without written permission; the Diftiva operator may transfer them with the service, subject to applicable law. These terms, the Privacy Notice, and the Apple Standard EULA where applicable form the agreement for the matters they cover.

Questions: diftiva@mavurem.com.

Related notice

Read the Diftiva Privacy Notice.