Terms of Service

i.Accepting these terms

By downloading or using the Anzi app, buying Anzi Plus, or using anzi.app (together, the "Service"), you agree to these Terms of Service ("Terms"). If you don't agree, please don't use the Service.

These Terms are an agreement between you and Anzi ("we", "us"): Ossama Fadili, the independent developer who is named as the seller on Anzi's App Store and Google Play pages.

ii.What Anzi is (and isn't)

Anzi is a personal journal for reflecting on what you buy. You log purchases and rate them the next morning. Anzi also helps you think before you spend: cool-downs, return reminders, look-backs at past buys, and weekly and monthly summaries.

Anzi is NOT:

• A financial adviser or financial planning service
• A bank or financial institution. It never connects to your bank accounts
• A budgeting or accounting tool for tax or business use
• A guarantee of any outcome, such as saving money or spending less

What you decide based on Anzi is your own choice and responsibility. We don't give financial, tax or investment advice.

iii.Using Anzi

• Anzi doesn't need an account. You must be at least 16 years old to use it.
• Don't abuse, hack, scrape or try to disrupt the Service or the website.
• You're responsible for your phone's security, including who can unlock it.
• Your journal lives only on your phone. Keeping a backup is up to you: your phone's own backup, or Settings → Export as CSV. We hold no copy, so we can't restore lost data.

iv.Reminders, cool-downs and Auto-log

These features help you remember and decide. They don't replace your own judgement:

• Notifications and reminders are scheduled on your phone. Your phone's settings, battery saving, Focus modes or the operating system can delay or block them, so we can't guarantee that every reminder arrives on time.
• Return deadlines are the dates you enter. The shop's own return policy decides what you can return and until when, so always check it.
• Cool-downs suggest you wait before buying something. Whether you buy it is your decision, and prices or availability may change while you wait.
• Auto-log (Android, Anzi Plus) reads amounts and shop names from payment notifications. It can misread a notification, miss a payment, or offer something that wasn't a purchase. Every payment it finds waits for you to tap Add, and it never replaces your bank statement. It depends on your bank and payment apps showing notifications, which they can change at any time.
• App lock uses your phone's Face ID, Touch ID or fingerprint, with your passcode as a fallback. Anyone who knows your phone's passcode can also open Anzi.

v.Anzi Plus

The free version of Anzi stays free. Anzi Plus is an optional paid upgrade. Today it adds unlimited cool-downs (the free version keeps one at a time) and Auto-log on Android. New Plus features come at no extra cost while your Plus is active.

Early access

Until Anzi Plus goes on sale (planned for January 2027), its features are free for everyone. On your phone, early access ends once Anzi Plus can be bought in your App Store or Google Play. From then on, the free version works as described above. Nothing you created is deleted: cool-downs you started stay, the app lock switches off and Auto-log stops reading, until you get Plus.

Plans

• Yearly and monthly subscriptions, which renew automatically.
• Founding Member, when offered: a one-time purchase that unlocks Plus with no renewals.

Price and payment

The price is shown in the app, in your local currency and including any taxes, before you confirm. Payment is charged to your Apple ID or Google Play account when you confirm the purchase. Apple and Google process the payment, and their terms also apply.

Renewal and cancellation

• A subscription renews automatically for the same period, at the then-current price, unless you cancel at least 24 hours before the current period ends. Your account is charged for the renewal within the 24 hours before the period ends.
• To cancel, use your subscription settings in the App Store (Settings → your name → Subscriptions) or Google Play (Profile → Payments & subscriptions → Subscriptions). In Anzi, Settings → Manage subscription takes you there.
• When you cancel, Plus stays active until the end of the period you've paid for, and then ends. Deleting the app does not cancel a subscription.
• If the price changes, Apple or Google will tell you beforehand and, where the law or their rules require it, ask for your agreement before charging the new price.
• To use Plus on a new phone, sign in with the same Apple ID or Google account and tap Restore purchases.

Founding Member

Founding Member is a single payment for Plus for as long as Anzi is offered. We commit to keeping the app available and working for at least 3 years from your purchase. If Anzi ever ends after that, we'll give you reasonable notice.

If Plus features change

We may improve or replace Plus features over time. If we remove a main Plus feature while your subscription is active, we'll tell you in the app and offer a fair solution. That can include helping you get a refund through Apple or Google for the unused part of your period.

vi.Refunds and withdrawal

Apple and Google take payments, so refunds are requested from them and follow their policies: on iPhone at reportaproblem.apple.com, on Android through Google Play's order history. We can't issue refunds directly, but write to us and we'll help where we can.

In the EU you normally have 14 days to withdraw from an online purchase. For digital content and services that start straight away, you may lose that right once you've agreed to immediate access. The App Store or Google Play shows how this applies when you buy. Nothing in these Terms limits your rights under consumer protection law.

vii.Intellectual property

Anzi, including the app, the website, the brand, the design and the content, belongs to us. You get a personal, non-exclusive, non-transferable licence to use Anzi for your own personal use.

You can't:

• Copy, modify or redistribute the app
• Reverse-engineer it or extract its source code, except where the law allows it
• Use our brand, logo or design without permission
• Build a competing product from our code or designs

The purchases, ratings, photos and notes you create remain yours. You own your data.

viii.Privacy

Our Privacy Policy explains what stays on your phone, how Auto-log handles notifications, how payments work, and your rights under the GDPR.

ix.Availability and changes

We work hard to keep Anzi working well, but the Service is provided "as is". We don't promise it will be uninterrupted, error-free or meet every expectation. Some features need a recent version of iOS or Android, or are only on one platform. Auto-log, for example, works on Android only.

We may change, suspend or end parts of the Service. If we end a paid service, we'll give reasonable notice in advance and offer a fair solution.

x.Limitation of liability

As far as the law allows, Anzi and its developer are not liable for:

• Indirect, incidental or consequential damages
• Loss of data, profits or opportunities, including data lost because there was no backup
• Financial decisions you make based on Anzi
• A missed return deadline, a reminder that didn't arrive, or a payment that Auto-log missed or misread
• Problems caused by third-party services (the App Store, Google Play, your phone's operating system, hosting or email providers)

Our total liability for any claim about the Service is limited to the greater of what you paid us in the 12 months before the claim and €50. This doesn't limit any liability that EU consumer law doesn't allow us to exclude, such as for intent or gross negligence.

xi.Stopping and deleting

You can stop using Anzi at any time. Settings → Delete all data erases everything in the app, and deleting the app does the same. If you subscribe to Anzi Plus, cancel it in your App Store or Google Play settings as well.

We may stop providing the Service to anyone who seriously breaks these Terms. We'll usually tell you first, unless the breach is serious or urgent.

xii.App Store and Google Play

If you got Anzi from Google Play, the Google Play Terms of Service also apply to the download and to payments. If you got it from Apple's App Store, these terms also apply:

• These Terms are between you and us, not Apple. We, not Apple, are solely responsible for Anzi and its content.
• Your licence is limited to using Anzi on Apple-branded devices you own or control, as allowed by the Usage Rules in Apple's Media Services Terms and Conditions. Family Sharing and other uses that Apple permits are included.
• Apple has no obligation to provide maintenance or support for Anzi.
• If Anzi fails to conform to any applicable warranty, you can notify Apple, and Apple will refund the purchase price (if any) to you. As far as the law allows, Apple has no other warranty obligation for Anzi. Any other claims, losses, liabilities, damages, costs or expenses caused by a failure to conform to a warranty are our responsibility, within the limits of these Terms.
• We, not Apple, are responsible for addressing any claims about Anzi or your use of it. This includes product liability claims, claims that Anzi doesn't meet a legal or regulatory requirement, and claims under consumer protection, privacy or similar laws.
• If anyone claims that Anzi or your use of it infringes their intellectual property, we, not Apple, are responsible for investigating, defending, settling and discharging that claim.
• You confirm that you're not in a country subject to a US Government embargo or designated by the US Government as "terrorist supporting", and that you're not on any US Government list of prohibited or restricted parties.
• Send questions, complaints or claims about Anzi to the developer at anzi@anzi.app.
• Apple and its subsidiaries are third-party beneficiaries of these Terms. Once you accept them, Apple has the right, and is taken to have accepted it, to enforce them against you as a third-party beneficiary.

xiii.Changes to these terms

We may update these Terms from time to time. If a change materially affects your rights, we'll announce it in the app's update notes or in the app itself, and update the date at the top of this page. Changes don't apply retroactively. If you keep using Anzi after a change, the updated Terms apply. If you don't agree, you can stop using Anzi and cancel Plus at any time.

xiv.Governing law and disputes

These Terms are governed by the law of the place where the developer runs Anzi. If you use Anzi as a consumer, you keep every protection that the law of the country where you live gives you, and you can always bring a claim in the courts there.

Before any formal step, please email us at anzi@anzi.app. We'd much rather sort things out with you directly.