Terms of Use for the "Chrumek" App

iOS (App Store)

Effective date: 2026-07-14
Version: 1.2

The service provider making the "Chrumek" app (the "App") available is:
Canario-Lab / Chrumek App
E-mail: chrumek@chrumek.app
(the "Service Provider").
These Terms set out the rules for using the App, including rules for access to free and paid features.

For the purposes of these Terms:

User - a person using the App on an Apple device.
Entry - information added in the App about a "declared saving" (e.g., skipping a purchase, choosing a cheaper alternative, canceling a subscription) or other data entered by the User.
Transfer / "Added to savings" - an action in the App confirming that money was actually set aside (moving entries from the "to transfer" list to history as "transferred/saved").
Premium - paid access to full App functionality available through a subscription or a one-time lifetime access purchase, depending on offers available in the App Store.

Using the App requires a compatible Apple device and an iOS version supported by the App.
Some features, especially iCloud synchronization, purchasing, restoring purchases, or checking Premium status, require an Internet connection and an Apple ID account. iCloud synchronization also depends on iCloud availability and the device's system settings.

The App is designed to support the habit of saving by recording "temptations" and savings and by confirming that funds have actually been set aside.
The App is not a financial service, is not a bank or financial advisor, does not execute transfers, and does not intermediate transactions.
The Service Provider does not guarantee achieving specific savings results.

The App does not require a Chrumek account.
Data entered in the App is stored locally on the User's device. When iCloud is available, App data and synchronized settings may be merged between devices through the private CloudKit database and iCloud key-value storage associated with the User's Apple ID.
Synchronization includes savings entries, amounts, dates, categories, confirmed Transfers, goals, category customizations, and synchronized App settings.
Synchronization is triggered by an actual change to data or a synchronized setting. Merely opening a tab, switching a chart, or viewing a screen does not create data to upload. Changes, including deletions and data restored from a backup, may synchronize to the User's other devices.
The Service Provider does not operate a separate Chrumek cloud account and does not store this App content on its own servers.
If iCloud is unavailable, the App continues to work on the local copy and synchronization resumes when Apple services become available. Synchronization depends on Apple ID, iCloud, device settings, and the Internet connection.
iCloud synchronization does not replace an independent manual backup because it also synchronizes deletions and other changes.
The App may collect anonymous analytics events about feature use, in accordance with the Privacy Policy.
Detailed data processing rules are described in the Privacy Policy.

The App offers access to free features and to Premium features.
A User without active Premium can perform up to 5 Transfers for free.
After the limit of 5 Transfers is used, performing further Transfers requires active Premium access.
The counter of used Transfers within the free limit:

Premium may be offered as an auto-renewable subscription or as a one-time lifetime access purchase (non-consumable In-App Purchase), processed by Apple (App Store).
Prices, subscription billing periods, and available purchase variants are shown on the in-app purchase screen and result from App Store configuration.
Payment is charged to the User's Apple ID account after purchase confirmation.
The subscription renews automatically unless the User turns off auto-renewal in Apple ID account settings with adequate notice before the end of the current billing period. The lifetime access purchase is a one-time purchase and does not renew automatically.
The Service Provider does not process the User's payment data (e.g., card data). Payment handling is provided by Apple.

The App may use RevenueCat services for technical purchase and Premium access handling (e.g., verifying Premium access status, presenting offers, recognizing an active subscription or lifetime purchase).
Purchases are processed by Apple, and RevenueCat supports verification and access status management in the App.
Details of data processing in this scope are described in the Privacy Policy.

The User may restore purchased subscriptions or a one-time lifetime access purchase on an Apple device (e.g., after reinstallation) in accordance with Apple mechanisms and with the "Restore purchase" function available in the App (if available in a given version).

The User may report technical problems to: chrumek@chrumek.app.
If the App provides a "Report a bug" feature, the App may prepare an e-mail draft containing diagnostic data. The message is sent only after User approval.

The Service Provider makes efforts to ensure the App works correctly; however, the App is provided "as is" and may contain errors or temporary interruptions.
The Service Provider is not liable for:

the User's financial decisions,
effects of actions taken based on data entered into the App,
failure to achieve savings goals.
unavailability, delays, or limitations of iCloud, CloudKit, or other Apple services, and loss of data for which the User did not keep an independent backup, to the extent permitted by applicable law.

The Service Provider's liability is limited to the extent permitted by applicable law.

These Terms may be amended in case of changes in App functionality, legal changes, or organizational changes.
The current version of the Terms will be published at: https://chrumek.app/en/terms/.

In matters not regulated by these Terms, applicable legal provisions apply.
If any provision of these Terms is found invalid, the remaining provisions remain in force.