Backd Terms of Service

Effective date: October 1, 2026 · Last updated: October 2, 2026

These Terms of Service ("Terms") are a binding agreement between you and Anson Antony, the developer of the Backd app, located at 1742 SW 38th Terrace, Gainesville, FL 32607 ("Backd," "we," "us," or "our"). Backd is an app made by an individual, and business is done in his legal name. These Terms govern your use of the Backd mobile application and related services (together, the "Service"). These Terms are provided for transparency and may be updated as Backd evolves.

1. Acceptance of these Terms (clickwrap)

By tapping "I agree," "Create Account," "Continue," "Sign in with Apple," or a similar control, or by otherwise creating an account or using the Service, you agree to these Terms and to our Privacy Policy, incorporated by reference.

We record your agreement — including the date and time, the version of these Terms you accepted, and an identifier associated with your account — as evidence of your acceptance.

Acceptance is enforced in-app. The email sign-up screen shows, directly above its Create Account button, the line "By tapping Create Account, you agree to the Terms of Service and Privacy Policy," with links to both, and records your agreement (auth metadata + a durable legal_acceptances row: user id, document, version, timestamp). Every other screen that asks for your agreement shows the same kind of line, naming its own button, directly above that button. Sign in with Apple does not present its own clickwrap at the moment of tapping the button — instead, any account (Apple or otherwise) missing a current-version acceptance is routed to a mandatory, non-skippable screen showing this same kind of line before it can reach the rest of the app; the only way past that screen besides accepting is signing out. A version bump to these Terms re-triggers that same mandatory screen for every existing account, since the acceptance check compares against the current Terms version, not merely "has ever accepted."

If you do not agree to these Terms, do not use the Service.

We may update these Terms from time to time. If we make material changes, we will tell you in the app (and may also email you), update the "Effective date" above, and ask you to accept the updated Terms before you keep using the Service. Changes are not retroactive. If you do not agree, you must stop using the Service and may delete your account. A change never alters a stake you have already turned on unless you accept it in the app (Section 4A, "Changes to money stakes").

2. Eligibility and age

The Service is intended for users who can form a binding contract.

• You must be at least 13 years old (or the higher minimum age required in your country or region) to use the Service.
• If you are a minor in your jurisdiction (for example, under 18 in the United States), you may use the Service only with the involvement and consent of a parent or legal guardian who agrees to these Terms on your behalf.
• The Service is not directed to children under 13, and we do not knowingly allow children under 13 to create accounts or provide personal information. If we learn that we have collected personal information from a child under 13 without verifiable parental consent, we will delete it.
• Money stakes (Section 4A) have a higher bar: they are available only to adults 18 or older using a card issued in the United States. Nobody under 18 can turn one on, with or without a parent's consent.
• Apple's age signal. On iOS versions that offer it, Backd asks Apple for your age range (Apple's Declared Age Range feature) when you sign up and when the app starts. Backd uses it only for age limits: if Apple says you are under 13, the account is blocked and deleted with its data within 72 hours; if Apple says you are under 18, you can't use money stakes and any stake charge not yet made is cancelled, whatever birth year you entered. One exception: if the account already had an adult birth year and was more than 30 days old when a device first reported it as under 13, we don't delete it. That device's Apple Account is probably a child's, not the account holder's, so Backd is blocked on that device and money stakes are turned off.
• Parental consent through Apple. Where Apple says the law requires it (Texas today), the app asks a parent or guardian, through Apple, to approve significant changes to the app, such as money stakes or a change in how Backd makes money. Until the parent approves, a minor can't use the app. If a parent withdraws consent through Apple, the minor's account is restricted: the app offers only signing out or deleting the account, and stakes turn off.

Every account — regardless of sign-in method — must provide a birth year (not a full date of birth) before it can use the Service. The app asks for it with a year picker that has no preset value and gives no hint about any age limit. If the year shows you are under 13, you can't create an account: the year you entered is discarded, your device remembers that sign-up was blocked so it can't simply be tried again, and an account that Sign in with Apple had already created is deleted with its data within 72 hours. Email sign-up asks directly, and Sign in with Apple (which does not itself supply a birth year) is routed through the same mandatory screen described in Section 1 before reaching the app.

You represent that you are not barred from using the Service under the laws of the United States or any other applicable jurisdiction, and that you will comply with all applicable laws when using the Service.

3. Your account

You are responsible for:

• providing accurate account information and keeping it current;
• maintaining the confidentiality of your login credentials (including any Sign in with Apple credential); and
• all activity that occurs under your account.

An account that never finished signing up (no birth year, the Terms never accepted, and no goals or check-ins) is deleted automatically once it is 30 days old.

You agree to notify us promptly at support@backd.dev if you suspect any unauthorized use of your account. We are not liable for any loss arising from unauthorized use of your account that results from your failure to safeguard your credentials. One account is for one person; do not share, sell, or transfer your account.

4. What the Service is — accountability, not a bank or a gambling service

Backd is a self-improvement and accountability tool. You set goals, submit photo or text "proof" of your progress, and choose specific buddies or groups to hold you accountable.

Backd uses the word "stake" for two different things, and they work very differently:

• Symbolic stakes are self-tracked and never charged. Some goals let you record a "stake" amount as a motivational device. Backd does not collect, hold, transfer, charge, refund, or pay any money for a symbolic stake. It is an honor-system commitment between you and yourself (and, if you choose to share it, your buddies). Whether and how you ever settle one is entirely up to you and happens outside the Service. Backd has no role in, and no responsibility for, any money you decide to move because of a symbolic stake.
• Money stakes are optional real-money charges, and only under Section 4A. Separately, an eligible adult in the United States can choose to back a specific goal with their own money. Backd then charges that person's saved card the amount they picked if they miss their own check-in on that goal, and only under the rules in Section 4A, which include a notice and a chance to appeal before any charge. Nothing is charged for a goal unless you turned on a money stake for it yourself.

Backd is not a bank, money transmitter, escrow agent, lender, or financial institution, and it is not a gambling, lottery, sweepstakes, contest, or prize service. Backd never holds money on your behalf and never pays money to you, to another user, or to anyone else because of any stake. A money-stake charge is a payment from you to Backd that you agreed to in advance, as the price of the stakes service; there is no prize, and whether you are charged depends only on your own check-ins.

Two kinds of payment are connected to Backd: optional Backd Premium subscriptions, billed through the Apple App Store as described in Section 11; and, only if you turn them on, money-stake charges, processed by Stripe as described in Section 4A. Backd's core features are free; a subscription only unlocks additional features and is never required to keep using the app or to keep your existing data. A money stake never unlocks any feature or content.

The Service supports your accountability efforts but does not guarantee any particular outcome, result, health benefit, academic result, or behavior change.

4A. Stakes (real money)

Money stakes are not available in the current version of the app. Neither money stakes nor the no-card trial below can be turned on in it. This Section describes how they work if Backd offers them later; until then, nothing in it applies to you.

This Section applies only if you turn on a money stake. If you never do, Backd will never charge your card for anything, and symbolic stakes stay self-tracked as described in Section 4.

What a money stake is

A money stake is an agreement you make for one goal at a time. You choose an amount, read the rules on the screen where you turn the stake on, and confirm that you agree. From then on, each time you miss a check-in on that goal, Backd may charge your saved card that amount, following the rules in this Section. We keep a copy of exactly what that screen said, its version, the amount, the app version, and when you agreed. That agreement and this Section are the terms for that stake; if they ever differ, whichever is more favorable to you applies.

You make no promise to Backd to complete any goal. A missed check-in is not a breach of these Terms, and a stake charge is not a penalty or damages. It is the price of the stakes service you chose.

When you turn a stake on, we also email you a copy of the exact agreement you accepted, with its version, the amount, the goal, how to turn the stake off, and our contact address, support@backd.dev. The email goes to the address on your account and can take a few minutes to arrive. If it doesn't arrive, your stake and its terms are unchanged; email support@backd.dev and we will send you a copy.

Who can use money stakes

• You must be 18 or older. The birth year on your account must show that you are, and you must also confirm that you are 18 or older each time you turn a stake on.
• If Apple's age signal (Section 2) says you are under 18, you can't turn a stake on, any stake you have turns off, and any stake charge not yet made is cancelled, whatever birth year is on your account.
• Once money stakes are live, your card must be issued in the United States. A card issued anywhere else is rejected. During the trial (below) no card is needed.
• The option to add a card appears only where money stakes are offered, which today is the United States.
• The goal must be checked by someone or something other than you, as described just below.
• We may decline, pause, or turn off money stakes for an account, for example after a chargeback, while a charge is unpaid, or if we reasonably suspect misuse. Turning stakes off never creates a new charge.
• Money stakes are offered only where the law allows them. Void where prohibited.

Who decides a staked check-in

You can never approve your own check-in on a goal with a money stake. A stake can be turned on only for a goal whose check-ins are decided by someone or something other than you:

• a buddy who reviews your proof; or
• automatic proof: Apple Health, checked by the Backd app on your phone; or your location, read by your phone and checked by Backd's server against a place you set for the goal.

A location goal's place must pass Backd's health-care check. When you set or change the place, Backd checks it on Apple Maps and won't accept a place that is itself a health-care provider (a hospital, pharmacy, clinic, urgent care, doctor, dentist, therapist or similar provider within 100 m of the point you chose). You also confirm that the place isn't a health-care provider. Backd's server won't accept a location-checked stake whose place hasn't passed that check.

A goal with no proof requirement, a location goal with no place set (or with a place that hasn't passed the health-care check), or a goal checked only by Backd's AI photo check (which gives advice but doesn't decide), can't have a money stake.

On a staked day you can send your check-in only with proof from that day: for a goal your buddy reviews, any proof the goal allows; for an Apple Health goal, that day's Apple Health check; for a location goal, a location check-in that Backd's server confirms is at the goal's place. Only the day's reviewer can approve it or send it back.

The one who decides a staked day is fixed when that day starts. Removing your buddy, turning buddy review off or changing the goal's proof applies from the next day: the stake turns off from then and we tell you, unless another buddy takes over the review, in which case the stake carries on with them. To back the goal under its new check, turn a stake on again (the agreement names who checks the goal). That day is still your buddy's to decide: if you remove, swap, block or unlink your buddy before they've decided a check-in you sent them, that check-in counts as missed. If your buddy leaves during a staked day (ends your buddy link, blocks you, or deletes their account), that day passes with no charge.

Your card

Once money stakes are live, you add your card on a secure payment page run by our payment processor, Stripe, which opens from the app. During a trial no card is asked for or stored. Your full card number is entered on Stripe's page and is never sent to or stored by Backd. Backd keeps only what it needs to show you which card is on file and to ask Stripe to charge it: Stripe's customer and payment-method identifiers, the card brand, the last four digits, the expiry date, and the country where the card was issued. You can replace your card at any time. You can remove it when no charge is pending and no check-in day backed by a stake is still under way; removing it turns off all of your money stakes.

Amounts and limits

• You choose the amount for each stake, from $5 to $100 per missed check-in, in US dollars.
• Daily limit: Backd charges you at most $150 in total, across all of your goals, in any 24-hour period. A charge that would go over that limit is cancelled, not delayed.
• Repeat limit: after 3 charged misses in a row on the same goal, that goal's stake turns off automatically and we tell you. It stays off unless you turn it on again.
• Free and Premium: a free account can have a money stake on 1 goal at a time. Backd Premium subscribers can have money stakes on as many goals as they like. Premium is billed separately through Apple (Section 11).

When Backd may charge you

By turning on a money stake, you authorize Backd to charge your saved card the stake amount without you being present in the app at the time. Backd may do so only when all of the following are true:

1. The goal had its money stake turned on before that check-in day began, under the live agreement (a stake turned on during a trial never charges). A stake you turn on applies from your next check-in day; a check-in day starts at midnight in the time zone saved on your account when you turned the stake on (changing your time zone later doesn't move it; turn the stake off and on again to use a new one). Every scheduled day of a staked goal counts, whether or not you open the app that day: Backd's server creates the check-in for each scheduled day, and a scheduled day without a check-in counts as missed.
2. Backd's server found, when the check-in window closed, that the check-in had no approved proof. That happens in one of three ways:

• the window closed and nothing was sent (on an Apple Health goal, no Apple Health check that day; on a location goal, no location check-in that Backd's server confirmed was at the goal's place);
• on a goal your buddy reviews, your proof was sent back by your buddy before the window closed, and no approved replacement came in by then;
• on a goal your buddy reviews, your proof was still waiting on your buddy when the window closed, and your buddy sent it back within 24 hours after that. If your buddy doesn't decide within those 24 hours, the check-in counts as done and there is no charge.

A check-in that you tried to make but whose data didn't arrive, or that a failure on Backd's side got in the way of, is not counted as missed this way: it goes to a person for review instead (see "Days under review" below). After a staked check-in's window closes you can't submit a replacement proof for it; you can appeal instead. Apart from Backd's own review of a day under review, nothing you or anyone else does in the app can mark a check-in missed for this purpose, and the time a buddy sent your proof back is the time Backd's server recorded it.

1. It is your own check-in on your own goal. You are never charged because of another person's goal, a buddy's or group's results, or anything another user does.
2. You were sent a notice, the 24-hour appeal window has ended, no appeal is open, and nothing below has cancelled the charge.

Days under review

A day on a staked goal goes to a person at Backd for review, instead of counting as missed, when:

• you tried an Apple Health check but no data arrived (an empty read or a failed read; if Backd's Apple Health permission is off, iOS reports that the same way as no data);
• you tried a location check-in but no usable reading arrived (a location error, a reading too approximate to decide, or Backd's server couldn't run its check); or
• Backd itself failed: a proof upload failed, the app couldn't reach Backd's server, Backd's stakes system missed its schedule for more than 30 minutes during that check-in's day, an error in Backd's processing of the day, or an outage we declare for a period of time.

The app shows that day as "Under review." Nothing is charged for a day under review unless we confirm it was missed. A charge for that day that hasn't been paid yet stops when the review begins; if a payment that was already under way goes through anyway, we refund it automatically. If the charge had already been paid, we refund it unless we confirm the day was missed. During the trial, nothing is recorded as what that day would have cost unless we confirm it was missed. If we confirm it, you get the usual notice and 24 hours to appeal, counted from then, and everything in "What cancels a pending charge" below still applies; a charge that had already been paid before the review began isn't charged again, it stands. If we don't confirm it, there is no charge.

Once a check-in day starts

When a check-in day that a money stake covers has started, that day's check-in is fixed. From then on you can't delete it, change its deadline, or mark it excused or rescheduled, and nobody else can excuse it for you. You can still check in, and the ways a charge is cancelled (listed below) still work that day.

These changes still work, but they only take effect from the next check-in day that hasn't started:

• turning the stake off;
• changing the amount (a lower or higher amount starts with the next day; the day under way keeps the amount it started with);
• pausing or archiving the goal, which also turns its stake off (resuming the goal doesn't turn the stake back on);
• deleting the goal (if its current day is still open, the goal is archived and its stake turned off at once, and it is deleted once that day's check-in is settled);
• changing the goal's schedule or deadline (a schedule change never adds a day that has already started);
• removing your card, which also turns your stakes off (while a staked day is still under way, the card can be removed once that day has settled).

Notice and 24 hours to appeal

When a check-in on a staked goal is missed, we tell you by push notification (if you have allowed notifications) and in the app. The notice shows the amount and when the charge is due. You then have 24 hours from the notice to appeal in the app: tell us what happened. You can point to proof you submitted before the window closed; new proof can't be added after it closes. The 24 hours run whether or not you open the notice.

Nothing is charged while your appeal is open. A person reviews every appeal, and we aim to decide within 48 hours; that is a target, not a guarantee, and your charge simply waits until the appeal is decided. If we accept your appeal, there is no charge. If we turn it down, the charge goes ahead and we tell you.

What cancels a pending charge

Before a charge is made, it is cancelled if:

• you use a grace day on that check-in;
• you use a recovery token Backd granted you (for a strong week or streak) on that check-in;
• the goal's one-time first-miss protection is applied to that miss;
• a buddy of yours approves an exception for that check-in (you cannot approve your own), whoever checks the goal;
• your appeal is accepted;
• it would take you over the daily limit;
• Backd suspends or closes your account or your use of money stakes (Section 17); or
• you delete your account.

Completed check-ins on a staked goal don't count toward earning recovery tokens, but its missed check-ins still count against earning them.

If a payment doesn't go through

• Your bank asks for confirmation: some banks require an extra check before a card is charged. If yours does, the charge waits and we send you a "Confirm payment" link that opens a secure Stripe page.
• Your card is declined: we try once more, 24 hours later. If that also fails, the charge is marked unpaid. You can pay it from the app with the same Confirm payment link.
• While a charge is unpaid, money stakes on your account are paused: no new charges are created and you cannot turn on a new stake until it is paid. Backd does not send unpaid charges to collections and does not add late fees or interest.

Refunds

Backd refunds any charge made in error. Ask within 60 days; we respond within 14. A charge made in error includes one where you did check in on time, one that broke a rule in this Section, and one for a miss we later agree should not have counted. Ask in the app, within 60 days of the charge; if you have deleted your account, email support@backd.dev instead. We refund the full amount to the card it came from. Other stake charges are final and non-refundable, except where the law requires otherwise. Stake refunds are handled by Backd through Stripe, not by Apple.

Where the money goes

Backd keeps stake charges as its revenue. No part of a stake is ever paid to another user, a buddy, a group, a charity, or anyone else, and there are no prizes, rewards or pooled funds. Nothing is held in advance, so there is nothing to return when you meet your goal: you are only ever charged after a miss, under this Section.

Turning a stake off

You can turn off a money stake at any time from the goal's screen: tap Turn off on the stake, then confirm. There are no other steps. Turning it off applies to every check-in day that has not started yet. A check-in day already under way when you turn the stake off stays covered by it, so a miss on that day still follows this Section (notice, appeal, and anything that cancels it). The app confirms the turn-off and says whether today's check-in still counts, and we email you the same confirmation (it can take a few minutes to arrive). Pausing, archiving or deleting a goal also turns its stake off, in the same way (see "Once a check-in day starts" above).

Deleting your account

If you delete your account (Section 17), every stake charge that has not been made yet is cancelled, and your saved card is removed from Stripe. Charges completed before you deleted your account are not reversed by the deletion, but you can still ask for a refund of an error by email within the 60 days. We keep the records of your stakes and charges after the deletion, no longer linked to your account but still holding Stripe's identifiers, for tax, disputes and legal claims; see the Privacy Policy for how long.

Chargebacks

If you dispute a stake charge with your bank or card issuer (a "chargeback"), money stakes are turned off for your account. Please contact support@backd.dev first: we refund charges made in error. Nothing in these Terms limits the rights you have under card-network rules or consumer-protection law.

Payments are processed by Stripe

Stake payments are processed by Stripe. To save your card and charge it, Stripe receives your email address and the card details you enter on its page, and Backd tells Stripe the amount of each charge. Stripe emails you a receipt for each charge. Stake charges appear on your card statement labeled with the word "STAKE" (for example, "BACKD STAKE"). Your use of Stripe's payment page is also subject to Stripe's own terms and privacy policy.

Trial stakes: no card, never charged

Backd offers stakes as a trial first. Trial stakes: no card, never charged. During the trial:

• no card is needed, and none is asked for;
• you turn a stake on by agreeing to the trial terms shown in the app;
• misses are logged, and you still get notices and can appeal, but nothing is ever charged, and the app labels those misses as not charged. Nothing is charged later either, for any miss during the trial.

When the trial ends and money stakes go live, every stake turned on during the trial turns off, and we tell you. A stake from the trial never charges. To back a goal with money after that, you add a card and agree to the live terms shown in the app at that time; charges can come only from a stake turned on that way.

Changes to money stakes

A stake you have turned on is "armed." We won't change the amount, triggers, caps or appeal rights of an armed stake unless you accept in the app; otherwise it continues on its original terms. A change we make to stakes in general applies to a new stake only once you agree to the new agreement in the app.

5. User content and the limited license you grant us

"User Content" means everything you submit through the Service, including goals and goal text, check-ins, proof photos and screenshots, written notes, journal entries, location notes, messages, group content, and your free-text messages to the in-app AI coach.

You own your User Content. We do not claim ownership of it.

To operate the Service, you grant Backd a limited, non-exclusive, revocable, worldwide, royalty-free license to host, store, copy, transmit, reformat, and display your User Content solely as needed to:

(a) provide the Service to you; (b) display your proof and shared content to the specific buddies, reviewers, or groups you choose to share it with; (c) generate short-lived, access-controlled links so your chosen reviewers can view private proof media; (d) when an AI feature is affirmatively triggered (for example, you or the buddy reviewing your proof tapping "Run AI check" — which runs only if both that person and you, as the proof's owner, have allowed AI checks — or you sending a message to the AI coach), transmit the relevant proof image, goal text, your note, and/or your coach message to our AI service provider to return an automated, advisory result; (e) automatically transmit each proof photo you upload (the image only) to our image-safety screening provider to check it for sexual content, gore and violence before a buddy can see it; and (f) make backups and perform routine technical operations (such as security and maintenance).

This license is limited to running the Service. We do not use your User Content to advertise, and we do not sell or share it for cross-context behavioral advertising. We do not grant the public any rights to your User Content; sharing is limited to the people and groups you select.

The license ends when you delete the relevant User Content or your account, except that (i) we may retain residual copies in routine backups for a limited period before they are overwritten, (ii) we may retain content we are required to keep by law, and (iii) the license survives as needed for content you already shared with a buddy who may retain their own copy outside our control (for example, a screenshot they took).

You are responsible for your User Content and the consequences of sharing it. Use good judgment about what proof you submit and whom you share it with.

6. Your warranties about User Content (IP)

For all User Content you submit, you represent and warrant that:

• you own it or have all rights, licenses, and permissions needed to submit it and to grant the license in Section 5;
• it does not infringe or misappropriate any third party's intellectual property, privacy, publicity, or other rights;
• if it depicts another identifiable person, you have that person's consent to capture and share their likeness as proof; and
• it does not violate any law or these Terms.

You will indemnify us if any of these warranties is untrue, as described in Section 15.

7. Acceptable use

You agree not to, and not to help or permit anyone else to:

• submit User Content that is unlawful, infringing, fraudulent (including fake or doctored proof intended to deceive a buddy or reviewer), defamatory, harassing, hateful, sexually explicit, or that depicts minors inappropriately;
• upload sexual content, graphic violence, or content that exploits, endangers, or sexualizes any child;
• harass, bully, threaten, stalk, dox, or impersonate any person, including buddies, group members, or Backd staff;
• submit another person's photo, location, health information, or other personal data without their consent;
• attempt to deanonymize, surveil, or track another user beyond the accountability features they have chosen to share with you;
• use the Service to gamble with anyone, to move money between people, or to operate any gambling, lending, or money-transmission scheme (a money stake under Section 4A is only ever a charge from you to Backd, and may not be used to settle any arrangement with someone else);
• use a card you are not authorized to use, misstate your age or country to use money stakes, or file an appeal, refund request, or chargeback you know to be false;
• probe, scan, break into, or circumvent the Service's security, rate limits, signed-URL access controls, or row-level data protections, or access data you are not authorized to access;
• reverse engineer, decompile, scrape, or build a competing product from the Service except to the extent this restriction is prohibited by applicable law;
• introduce malware, spam, or automated/bot activity, or interfere with the Service's normal operation; or
• use the AI features to generate prohibited content or to attempt to extract another user's data.

We may remove User Content, and suspend or terminate accounts, that we reasonably believe violate this Section or the law.

8. Buddies, groups, and shared content

The Service lets you connect with buddies and groups and share proof and accountability information with them. Anything you choose to share may be seen, saved, or screenshotted by the people you share it with, and we cannot control what they do with it. Choose your buddies and what you share carefully. Backd is not responsible for the conduct of other users, on or off the Service. Your interactions with other users are between you and them.

9. Third-party services and optional integrations

The Service relies on, and can optionally connect to, third-party services. When you use them, their terms and privacy practices also apply, and we are not responsible for them. These include, depending on the features you use: our backend and storage provider (Supabase); automatic image-safety screening of every proof photo you upload, before a buddy can see it (Sightengine — the image only); crash and error reporting (Sentry); product analytics (PostHog); the optional AI proof check (Hugging Face, routed to Featherless AI); the health-care check for a location goal's place (Apple Maps); push delivery (Apple Push Notification service via Expo); SMS reminders (Twilio — not currently enabled; opt-in only if ever offered); account and stake email delivery (Resend); subscription management (RevenueCat plus Apple billing); stake payments (Stripe — only if you turn on a money stake); and the optional integrations you connect yourself, including Google Calendar, Canvas LMS, and Apple Health (read-only; Backd reads it on your device). You are responsible for complying with the terms of any account you connect (for example, your school's Canvas account). You can disconnect optional integrations at any time in the app.

10. Intellectual property in the Service

The Service itself — including its software, design, text, graphics, logos, and the "Backd" name and branding — is owned by Backd or its licensors and is protected by intellectual-property laws. Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the Service for your own personal, non-commercial accountability use. We reserve all rights not expressly granted. You may not use our name, logos, or branding without our prior written permission.

11. Subscriptions and billing (Apple App Store)

Backd's core features are free. We offer an optional auto-renewing subscription ("Backd Premium") that unlocks additional features; free-tier data and functionality are never hidden or deleted if you don't subscribe or a subscription lapses.

How billing works. Subscriptions are sold and billed exclusively through the Apple App Store (in-app purchase), processed via our subscriptions provider, RevenueCat. No credit-card or bank details are entered into or handled by Backd for a subscription; your payment is processed by Apple under its terms and privacy policy. (Money stakes are separate: they use a card you save on Stripe's payment page, never an Apple payment method, as described in Section 4A.)

Auto-renewal. A subscription automatically renews for the same period and at the then-current price unless you cancel at least 24 hours before the end of the current period. Your store account is charged for renewal within 24 hours before each period begins.

Free trial. If we offer a free trial, your subscription begins automatically and your store account is charged the subscription price when the trial ends, unless you cancel at least 24 hours before the trial ends. Any unused portion of a free trial is forfeited if you purchase a subscription.

Cancelling. You can cancel or manage a subscription at any time in your Apple App Store account settings (Settings → your name → Subscriptions). Cancellation takes effect at the end of the current billing period; you keep access until then.

Refunds. Subscription refunds are handled by Apple under its policies; Backd generally cannot grant refunds for store-billed purchases. Except where required by law, subscription payments are non-refundable and partial periods are not refunded. (Refunds of money-stake charges follow Section 4A instead.)

Price changes. We may change subscription prices prospectively. Where required, the store or Backd will notify you, and price increases will not take effect until your next renewal after notice; you may cancel before they apply.

U.S. automatic-renewal disclosures (ROSCA / California Automatic Renewal Law and similar laws). By starting a subscription you acknowledge that: (a) it is an auto-renewing subscription that continues until you cancel; (b) you will be charged the price disclosed at purchase (after any free trial) at the start of each billing period; (c) the billing frequency (for example, monthly or yearly) is as shown at purchase; and (d) you can cancel at any time through your Apple account settings as described above, at no extra cost, before the next renewal. We present these terms clearly and obtain your affirmative consent at the point of purchase through Apple's purchase flow.

12. DMCA / copyright takedown and repeat-infringer policy

We respect intellectual-property rights. If you believe content on the Service infringes your copyright, email support@backd.dev with: identification of the copyrighted work, identification of the material you believe infringes (with enough detail for us to locate it — most content on Backd is private, so please include the username, goal, or group involved), your contact information, a statement of your good-faith belief that the use is not authorized, and a statement that your notice is accurate and that you are the copyright owner or authorized to act for one.

We will review valid reports, remove or disable access to infringing content as appropriate, give the user who posted it an opportunity to respond, and, in appropriate circumstances, terminate the accounts of users who are repeat infringers.

13. Disclaimers of warranty

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, whether express, implied, or statutory. To the fullest extent permitted by law, we disclaim all implied warranties, including merchantability, fitness for a particular purpose, title, and non-infringement, and any warranties arising from course of dealing or usage of trade.

We do not warrant that the Service will be uninterrupted, secure, error-free, or that proof, AI results, reminders, or notifications will be accurate, timely, or delivered. AI-generated proof assessments and coach responses are automated and advisory only, may be wrong, and are not professional advice. Backd does not provide medical, mental-health, legal, financial, or academic advice, and nothing in the Service is a substitute for a qualified professional. You use the Service at your own risk and are responsible for your own decisions, including any goal you set, any symbolic stake you record, any money stake you choose to turn on, and any money you choose to move outside the Service. This Section does not take away the rules Backd must follow before charging a money stake, or your right to a refund of a charge made in error, under Section 4A.

Some jurisdictions do not allow certain warranty disclaimers, so some of the above may not apply to you.

14. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW:

• Backd and its suppliers will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, data, goodwill, or other intangible losses, arising out of or relating to the Service, even if advised of the possibility.
• Backd will not be liable for any money you decide to pay or move outside the Service because of a symbolic stake, for the conduct of other users, or for any third-party service.
• Backd's total liability for all claims relating to the Service will not exceed the greater of (a) what you paid Backd in the 12 months before the event giving rise to the claim, or (b) US $100. What you paid Backd includes Backd Premium and any money-stake charges; free-tier users who have paid nothing fall under (b).

These limits, including the cap, don't apply to refunds owed under Section 4A, or to liability the law doesn't allow to be limited. Money-stake charges are governed by Section 4A. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

15. Indemnification

You will defend, indemnify, and hold harmless Backd and its officers, employees, and agents from and against any claims, damages, losses, liabilities, and reasonable legal fees arising out of or related to: (a) your User Content; (b) your use or misuse of the Service; (c) your violation of these Terms or of any law or third-party right (including any intellectual-property, privacy, or publicity right); or (d) your interactions or disputes with other users. We may assume the exclusive defense of any matter subject to indemnification by you, in which case you will cooperate with us.

16. Disputes and governing law

16.1 Written notice first. Before either of us sues the other, the one with the claim must give the other 30 days' written notice describing the claim and what it wants, and we both agree to try in good faith to resolve it during those 30 days. Send notice to us at support@backd.dev or by mail to 1742 SW 38th Terrace, Gainesville, FL 32607. We will send notice to you at the email address on your account. Most issues can be resolved quickly this way.

16.2 Small claims. Either of us may bring an individual claim in small-claims court, if it qualifies, in the county where you live or in Alachua County, Florida.

16.3 Other courts. Otherwise, a claim must be brought in the state or federal courts located in Alachua County, Florida, and you and Backd agree to those courts' jurisdiction. These Terms do not require arbitration, and they do not take away your right to bring a claim in court.

16.4 Governing law. These Terms are governed by the laws of the State of Florida and applicable United States federal law, without regard to conflict-of-laws rules. Nothing in these Terms takes away a consumer-protection right you have under the law of the place where you live that can't be given up by agreement.

16.5 Survival. This Section survives termination of these Terms and of your account.

17. Termination

You may stop using the Service at any time and may delete your account in Settings → Delete account, which permanently deletes your account and associated data (including proof media swept from storage and database records that cascade on deletion), as described in the Privacy Policy. Deleting your account also cancels every money-stake charge that has not been made yet and removes your saved card from Stripe; records of completed stake charges are kept, no longer linked to your account, as Section 4A and the Privacy Policy describe. Deletion cannot be undone.

We may suspend or terminate your access to the Service, with or without notice, if we reasonably believe you have violated these Terms or the law, to protect users or the Service, or as otherwise permitted by law. We may also discontinue the Service or any feature. If we suspend or terminate your account or your use of money stakes, every money-stake charge that has not been made yet is cancelled and your stakes are turned off; a payment that still reaches us for a cancelled charge is refunded. On termination, the licenses you grant survive only as described in Section 5, and Sections 4, 4A (for charges already made or pending, and your refund rights), 5, 6, 13–16, and 18 survive.

18. General

Entire agreement. These Terms, the Privacy Policy, and the agreement you confirm each time you turn on a money stake (Section 4A) are the entire agreement between you and Backd about the Service and supersede prior agreements on the subject.

Severability. If any provision is found unenforceable, it will be limited or removed to the minimum extent necessary, and the rest remains in effect.

No waiver. Our failure to enforce a provision is not a waiver of it.

Assignment. You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets.

Apple App Store terms. You obtained the app from the Apple App Store, and you also agree to Apple's standard end-user terms, which apply to your use of the app and may give Apple certain rights (for example, Apple is a third-party beneficiary entitled to enforce these Terms against you as to your use of the iOS app).

Force majeure. We are not liable for delays or failures caused by events beyond our reasonable control.

Contact. Questions about these Terms: support@backd.dev, or Anson Antony, the developer of the Backd app, 1742 SW 38th Terrace, Gainesville, FL 32607.