Terms of Service

1. Acceptance of Terms

By downloading, installing, or using Forfeit: Habit Commitment (the "App"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the App.

Forfeit is developed and operated by Storqlabs ("we," "us," or "our"), a company registered in the Netherlands.

2. Description of Service

Forfeit is a habit tracking application that uses loss aversion and commitment contracts to motivate habit formation. The App:

• Allows you to create habit commitment contracts with symbolic financial stakes
• Accepts proof of habit completion via photo, timer, or manual check-in
• Tracks money risked, lost, and saved across your contracts
• Supports perpetual habits with recurring stakes and milestone tracking
• Generates shareable commitment cards for social accountability
• Provides a smart difficulty engine with failure-rate warnings
• Stores all data locally on your device

3. Age Restrictions

The App involves concepts of financial stakes and commitment contracts that are designed for young adults and adults. It is NOT intended for children under 13.

4. Commitment Contracts Disclaimer

By using this App, you acknowledge and agree that:

• Not Legal Contracts: Habit contracts are personal motivational commitments, not enforceable legal agreements
• Symbolic Stakes: Stake amounts are psychological motivators only. In the current version, no real money is transferred, collected, or held by Storqlabs as part of habit stakes
• Self-Imposed: All commitments are voluntary and self-enforced. You choose your own habits, stakes, and proof methods
• No Third-Party Enforcement: Storqlabs does not enforce, verify, or adjudicate any commitment contract
• Honor System: Photo proofs are stored locally and are not verified for authenticity. The honor system is fundamental to the app's design

5. No Medical, Financial, or Professional Advice

By using this App, you acknowledge and agree that:

• No Medical Advice: The App does not provide medical, psychological, or therapeutic advice. Habit suggestions and difficulty warnings are informational only.
• No Financial Advice: The App is not a financial product or service. Stake amounts are chosen by you for personal motivation.
• No Guarantee of Results: We make NO guarantee that the App will help you form habits, break bad habits, or produce any specific results. Results depend entirely on your effort and commitment.
• No Accuracy Warranty: No warranty is made regarding the accuracy of difficulty engine suggestions, failure rate statistics, or any other analytics provided by the App.
• Seek Professional Help: If you have health, behavioral, or financial concerns, please consult a qualified professional.

6. License Grant

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to download, install, and use the App for your personal, non-commercial use on devices you own or control.

You may not copy, modify, distribute, sell, lease, sublicense, or create derivative works based on the App without our prior written consent.

7. User-Generated Content

The App allows you to create content including habit names, categories, photo proofs, and commitment cards. This content:

• Is stored locally on your device only
• Is never transmitted to us or any third party (unless you explicitly share a commitment card)
• Is permanently deleted when you uninstall the App
• Remains your property — you retain full ownership
• You grant us a limited license solely for app functionality (e.g., displaying your data within the app interface)

8. Intellectual Property

The App's design, code, branding, icons, graphics, and all other intellectual property belong to Storqlabs. You may not reproduce, distribute, or create derivative works from any part of the App without our prior written consent.

9. Prohibited Uses

You agree not to:

• Reverse engineer, decompile, or disassemble the App
• Attempt to extract the source code of the App
• Circumvent Pro subscription features or access controls
• Use the App for any illegal or unauthorized purpose
• Redistribute, sell, or sublicense the App
• Use automated means to access or interact with the App
• Use the App to harm, harass, or deceive others
• Misrepresent the App's capabilities to others

10. Data Loss Disclaimer

Because all data is stored locally on your device with no cloud backup, you acknowledge that data loss may occur due to app uninstallation, device reset, device damage, or other circumstances. Storqlabs is not responsible for any data loss and cannot assist with data recovery.

11. Subscriptions and In-App Purchases

The App offers a Pro subscription with the following terms:

• Free Tier: Up to 3 active contracts. The free tier may be modified (feature limits may change) at our discretion.
• Pro Subscription: Unlimited contracts, custom reminders, and additional features. Available as monthly (€5.99/month) or annual (€42.99/year) plans.
• Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current period
• Payment is charged to your Apple ID or Google Play account at confirmation of purchase
• Manage or cancel subscriptions in your device Settings > Subscriptions (iOS) or Google Play > Subscriptions (Android)
• Storqlabs does not directly process payments — all billing is handled by Apple or Google
• Refund requests must be directed to Apple at reportaproblem.apple.com or Google per their respective refund policies
• Prices may change with notice; existing subscribers are locked at their rate until their current subscription period ends

12. Future Features Disclaimer

Planned features including but not limited to real money stakes, social accountability pools, Apple Health integration, and advanced analytics are NOT guaranteed and may change, be delayed indefinitely, or never be released. Do not purchase a subscription based on anticipated future features.

13. Disclaimer of Warranties

We specifically disclaim all warranties including, but not limited to:

• Effectiveness: We do NOT guarantee the App will help you form or maintain habits
• Accuracy: We do NOT guarantee the accuracy of difficulty engine predictions, failure rate statistics, or any analytics
• Availability: We do NOT guarantee uninterrupted or error-free operation
• Compatibility: We do NOT guarantee compatibility with all iOS or Android versions or devices
• Merchantability: We disclaim any implied warranty of merchantability
• Fitness for Purpose: We do NOT warrant that the App will meet your particular requirements

14. Limitation of Liability

This includes, without limitation, damages for:

• Failure to achieve desired habit formation or behavioral change
• Any psychological or emotional effects of using commitment contracts or loss aversion mechanics
• Loss of data due to app uninstallation, device issues, or any other cause
• Any financial decisions influenced by stake tracking
• Any consequences of missed habit completions or failed contracts
• Loss of productivity, opportunities, or relationships
• App functionality changes due to OS updates

Our total liability for any claims arising from the App shall not exceed the amount you paid for the App or any in-app purchases in the 12 months preceding the claim.

15. Indemnification

You agree to indemnify, defend, and hold harmless Storqlabs and its officers, directors, employees, and agents from any claims, damages, losses, or expenses (including reasonable attorney's fees) arising from: (a) your use of the App; (b) your violation of these Terms; (c) your violation of any rights of any third party; (d) any claim that your use of the App caused damage to a third party; or (e) any commitment contracts, stakes, or proofs you create within the App.

16. Modifications, Termination & Service Availability

We reserve the absolute right to:

• Discontinue the App entirely without prior notice
• Modify, suspend, or remove any features at any time
• Remove the App from the App Store or Google Play Store
• Update these Terms at any time
• Terminate your license to use the App if you violate these Terms

Continued use of the App after any modifications to these Terms constitutes acceptance of the modified Terms.

16.1 No Refunds Upon Discontinuation

NO REFUNDS WILL BE PROVIDED UPON SERVICE DISCONTINUATION EXCEPT WHERE REQUIRED BY LAW. BY PURCHASING THIS APP OR ANY IN-APP PURCHASES, YOU ACKNOWLEDGE AND AGREE THAT:

• The App may be discontinued at any time without notice
• No refunds will be issued if the App is discontinued
• No refunds will be issued if features are modified or removed
• You waive any claims related to service discontinuation to the maximum extent permitted by law

17. Dispute Resolution

To the extent permitted by law, you agree that:

• Any disputes will first be attempted to be resolved through informal negotiation by contacting us
• You waive any right to participate in class action lawsuits or class-wide arbitration against us
• Small claims court remains available for disputes within its jurisdiction

If these dispute resolution provisions are found unenforceable in your jurisdiction, the remaining provisions of these Terms remain in effect.

18. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Netherlands, without regard to its conflict of law provisions. Any disputes arising from these Terms or the App shall be subject to the exclusive jurisdiction of the courts of the Netherlands, except where prohibited by your local law.

19. Export Compliance

You agree to comply with all applicable export and re-export control laws and regulations, including the Export Administration Regulations maintained by the U.S. Department of Commerce, trade and economic sanctions maintained by OFAC, and the International Traffic in Arms Regulations maintained by the U.S. Department of State.

20. Severability

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

21. Force Majeure

We shall not be liable for any failure or delay in performing our obligations where such failure or delay results from causes beyond our reasonable control, including but not limited to: acts of God, natural disasters, pandemics, war, terrorism, government actions, power failures, internet disruptions, or platform changes by Apple or Google.

22. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Storqlabs regarding the App and supersede any prior agreements.

23. Contact Us