Terms of Service

Last updated 10 November 2026

1. Using the Services

You must be old enough to form a binding contract where you live, or have a parent or guardian's permission. Some apps may have additional terms or guidelines, which form part of these terms when you use that app. If they conflict with these terms, the app-specific terms apply to that app.

2. Your licence

Subject to these terms, we grant you a personal, limited, non-exclusive, non-transferable, revocable licence to use our apps on devices you own or control, for your own personal or internal business use. You may not:

• copy, modify, distribute, sell or lease any part of the Services;
• reverse engineer or attempt to extract the source code, except where the law allows it;
• interfere with, disrupt, or try to gain unauthorised access to the Services or their systems;
• use the Services to break the law, to harm others, or to impersonate anyone;
• use automated means to access the Services in a way that puts an unreasonable load on them.

3. Subscriptions and purchases

Some apps offer paid features or subscriptions. Purchases made through the Apple App Store are billed by Apple to your Apple Account and are subject to Apple's terms. Subscriptions renew automatically at the end of each period unless you cancel at least 24 hours before it ends. You can manage or cancel a subscription in your Apple Account settings. Refunds are handled by Apple under its policies. Prices and features may change; we'll tell you before a price change affects an existing subscription.

4. Your content and data

You own any content you create or store with the Services. You give us only the permissions we need to operate the Services for you. How we handle personal information is described in our Privacy Policy and in each app's own privacy policy.

5. Our intellectual property

The Services, including their software, design, names and logos, belong to Mill Capital or our licensors and are protected by law. These terms don't give you any rights to them other than the licence above. If you send us feedback or ideas, we may use them without any obligation to you.

6. Third-party services

The Services may rely on or link to services we don't control, such as Apple's platforms. Your use of those services is governed by their own terms, and we aren't responsible for them.

7. Security tools aren't guarantees

Some of our apps help you make decisions, for example about whether someone is who they claim to be. They are an aid to your own judgement, not a replacement for it. You remain responsible for the decisions you make, including any decision to send money or share information.

8. Disclaimers

The Services are provided “as is” and “as available”. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including warranties of merchantability, fitness for a particular purpose, title and non-infringement. We don't warrant that the Services will be uninterrupted, error-free or secure, or that they will detect every fraud or impersonation attempt.

9. Limitation of liability

To the fullest extent permitted by law, Mill Capital will not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of profits, revenue, data or funds, arising out of or relating to the Services. Our total liability for any claim relating to the Services is limited to the greater of the amount you paid us for the Services in the 12 months before the claim, or USD $50.

Some places don't allow these exclusions or limits, so some of them may not apply to you. Nothing in these terms limits rights you have under consumer protection law that can't be waived.

10. Indemnity

To the extent permitted by law, you agree to indemnify Mill Capital against claims, losses and costs (including reasonable legal fees) arising from your misuse of the Services or your breach of these terms.

11. Ending these terms

You can stop using the Services at any time by deleting our apps. We may suspend or end your access if you break these terms or if we need to for legal reasons. We may also change or discontinue a Service; where that affects a paid subscription, we'll give reasonable notice. Sections 4 to 10 and 12 to 14 survive the end of these terms.

12. Apps from the Apple App Store

If you got one of our apps from the Apple App Store, these additional terms apply:

• These terms are between you and Mill Capital only, not Apple. Mill Capital, not Apple, is solely responsible for the app and its content.
• Your use of the app must also comply with the Usage Rules in Apple's Media Services Terms and Conditions.
• Apple has no obligation to provide any maintenance or support for the app.
• If the app fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any). To the maximum extent permitted by law, Apple has no other warranty obligation with respect to the app.
• Mill Capital, not Apple, is responsible for addressing any claims by you or a third party relating to the app, including product liability claims, claims that the app fails to conform to legal or regulatory requirements, and consumer protection or privacy claims.
• If a third party claims that the app or your use of it infringes their intellectual property rights, Mill Capital, not Apple, is responsible for investigating, defending, settling and discharging the claim.
• You confirm that you are not located in a country subject to a U.S. Government embargo or designated as a “terrorist supporting” country, and that you are not on any U.S. Government list of prohibited or restricted parties.
• Apple and its subsidiaries are third-party beneficiaries of these terms, and on your acceptance of them Apple will have the right to enforce them against you as a third-party beneficiary.

13. Governing law and disputes

These terms are governed by the laws of the State of New York, without regard to its conflict of laws rules. Any dispute will be brought exclusively in the state or federal courts located in New York County or Kings County, New York, and you and we consent to their jurisdiction. If you are a consumer in a country whose laws give you the right to bring proceedings in your local courts, this section doesn't take that right away. Before filing a claim, please contact us so we can try to resolve it informally.

14. General

These terms, together with our Privacy Policy and any app-specific terms, are the entire agreement between you and us about the Services. If any part is found unenforceable, the rest stays in effect. Our not enforcing a provision isn't a waiver of it. You may not transfer these terms without our consent; we may transfer them as part of a merger, acquisition or sale of assets.

15. Changes to these terms

We may update these terms from time to time. We'll post the new version here and update the date at the top. If a change is significant, we'll give reasonable notice. Continuing to use the Services after a change takes effect means you accept the new terms.

16. Contact us

Email hello@mill.capital, or write to: