Terms of Use for Magn.Obvious Inc

Last Updated: July 28, 2025

Welcome to **Magn.Obvious Inc**! These Terms of Use ("Terms") govern your access to and use of the Magn.Obvious Inc mobile application (the "App") provided by **Magn.Obvious** ("we", "us", or "our").

By accessing or using the App, you agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, do not use the App.

1. Acceptance of Terms

By downloading, installing, accessing, or using the App, you signify your agreement to these Terms. If you are using the App on behalf of an entity, you represent and warrant that you have the authority to bind that entity to these Terms.

2. Changes to Terms

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion. By continuing to access or use our App after those revisions become effective, you agree to be bound by the revised terms. If you do not agree to the new terms, please stop using the App.

3. Access and Use of the App

3.1 License to Use

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to download, install, and use the App for your personal, non-commercial use on a mobile device owned or controlled by you.

3.2 User Accounts

To access certain features of the App, such as tracking your spending and capturing receipts, you may be required to create an account. You agree to:

• Provide accurate, current, and complete information during the registration process and keep your account information updated.
• Maintain the confidentiality of your account password and be responsible for all activities that occur under your account.
• Immediately notify us of any unauthorized use of your account.

4. Prohibited Uses

You agree not to use the App for any purpose that is unlawful or prohibited by these Terms. Without limiting the generality of the foregoing, you agree not to:

• Violate any applicable local, provincial, federal, or international law or regulation.
• Infringe upon or violate our intellectual property rights or the intellectual property rights of others.
• Harass, abuse, insult, harm, defame, slander, disparage, intimidate, or discriminate based on gender, sexual orientation, religion, ethnicity, race, age, national origin, or disability.
• Submit false or misleading information.
• Upload or transmit viruses or any other type of malicious code that will or may be used in any way that will affect the functionality or operation of the App or of any related website, other apps, or the Internet.
• Collect or track the personal information of others.
• Spam, phish, pharm, pretext, spider, crawl, or scrape.
• For any obscene or immoral purpose.
• Interfere with or circumvent the security features of the App or any related website, other apps, or the Internet.
• Reverse engineer, decompile, disassemble, or otherwise attempt to discover the source code of the App.

5. Intellectual Property Rights

The App, **Magn.Obvious Inc**, and its original content, features, and functionality are and will remain the exclusive property of **Magn.Obvious** and its licensors. The App is protected by copyright, trademark, and other laws of both Canada and foreign countries. Our trademarks and trade dress may not be used in connection with any product or service without the prior written consent of Magn.Obvious.

6. User-Generated Content

In **Magn.Obvious Inc**, you will be uploading receipts, expense details, and other financial information. You retain all rights in, and are solely responsible for, the User Content you provide to the App. By making any User Content available through the App, you grant to us a worldwide, non-exclusive, transferable, sublicensable, royalty-free, perpetual, irrevocable license to use, copy, modify, create derivative works based upon, distribute, publicly display, publicly perform, and otherwise exploit your User Content solely for the purpose of operating and improving the **Magn.Obvious Inc** App and its features (e.g., categorizing expenses, providing insights).

You agree not to post, upload, transmit, distribute, store, create or otherwise provide through the App any of the following:

• User Content that is unlawful, libelous, defamatory, obscene, pornographic, indecent, lewd, suggestive, harassing, threatening, invasive of privacy or publicity rights, abusive, inflammatory, fraudulent or otherwise objectionable.
• User Content that would constitute, encourage or provide instructions for a criminal offense, violate the rights of any party, or that would otherwise create liability or violate any local, provincial, federal or international law.
• User Content that may infringe any patent, trademark, trade secret, copyright or other intellectual or proprietary right of any party.
• Private information of any third party, including, without limitation, addresses, phone numbers, email addresses, Social Security numbers and credit card numbers (unless explicitly required for the App's core functionality, like linking financial accounts, and handled with appropriate security and consent).
• Viruses, corrupted data or other harmful, disruptive or destructive files.

7. Disclaimer of Warranties

THE APP IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS. WE MAKE NO WARRANTIES, EXPRESSED OR IMPLIED, REGARDING THE APP, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

WE DO NOT WARRANT THAT A) THE APP WILL FUNCTION UNINTERRUPTED, SECURE OR AVAILABLE AT ANY PARTICULAR TIME OR LOCATION; B) ANY ERRORS OR DEFECTS WILL BE CORRECTED; C) THE APP IS FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS; OR D) THE RESULTS OF USING THE APP WILL MEET YOUR REQUIREMENTS.

8. Limitation of Liability

IN NO EVENT SHALL **MAGN.OBVIOUS**, NOR ITS DIRECTORS, EMPLOYEES, PARTNERS, AGENTS, SUPPLIERS, OR AFFILIATES, BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION, LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM (I) YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE APP; (II) ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE APP; (III) ANY CONTENT OBTAINED FROM THE APP; AND (IV) UNAUTHORIZED ACCESS, USE OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT, WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE) OR ANY OTHER LEGAL THEORY, WHETHER OR NOT WE HAVE BEEN INFORMED OF THE POSSIBILITY OF SUCH DAMAGE, AND EVEN IF A REMEDY SET FORTH HEREIN IS FOUND TO HAVE FAILED OF ITS ESSENTIAL PURPOSE.

9. Governing Law

These Terms shall be governed and construed in accordance with the laws of **Ontario, Canada**, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect. These Terms constitute the entire agreement between us regarding our App, and supersede and replace any prior agreements we might have between us regarding the App.

10. Dispute Resolution

Any dispute arising out of or relating to these Terms or the breach thereof shall be finally settled by arbitration administered by the **Canadian Arbitration Association (CAA)** in accordance with its rules, and judgment on the award rendered by the arbitrator(s) may be entered in any court having jurisdiction thereof. The arbitration shall take place in **Toronto, Ontario, Canada**.

11. Payments and Subscriptions (If applicable)

If **Magn.Obvious Inc** includes in-app purchases, subscriptions, or other payment features, the following terms apply:

• **Pricing:** All prices are subject to change without notice.
• **Payment Methods:** We accept payments through the Apple App Store and Google Play Store. You agree to provide current, complete, and accurate purchase and account information for all purchases made via the App.
• **Subscriptions:** Subscriptions will automatically renew unless canceled at least 24 hours before the end of the current period. You can manage your subscriptions through your device's app store settings.
• **Refunds:** All purchases are final and non-refundable, except as required by applicable law or as explicitly stated in our refund policy [Link to Refund Policy if separate].

12. Termination

We may terminate or suspend your account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Upon termination, your right to use the App will immediately cease.

13. Third-Party Links and Services

The App may contain links to third-party websites or services that are not owned or controlled by **Magn.Obvious**. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. You further acknowledge and agree that **Magn.Obvious** shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with use of or reliance on any such content, goods or services available on or through any such websites or services.

14. Contact Us

If you have any questions about these Terms, please contact us:

• By email: magn.obvious@gmail.com