Terms of Service.

1. Agreement to these terms

These Terms of Service (the "Terms") form a binding agreement between you and LANGLIGELANG LIMITED, a company registered in New Zealand ("Trickle", "we", "us"). They apply when you download, install, access, or use the Trickle mobile app, our website at gettrickle.app, or any service we offer in connection with them (together, the "Service").

By creating an account or using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

2. Eligibility and age

• You must be at least 13 years old to create a Trickle account.
• If you are between 13 and 17 (or the age of majority in your country, if different), you may only use Trickle with the consent and involvement of a parent or legal guardian, and they agree to these Terms on your behalf.
• You must have the legal capacity to enter into a contract in your country of residence.
• You must not be prohibited from using the Service under the laws of your country.

3. Accounts

To use most features of Trickle you need to create an account using your email address, or by signing in with Apple or Google. You are responsible for:

• keeping your login credentials secure and confidential;
• all activity that happens under your account;
• giving us accurate information and keeping it up to date;
• notifying us promptly at [email protected] if you suspect unauthorised access.

You can delete your account at any time in the app (Settings → Account → Delete Account). This is immediate and permanent — see our Privacy Policy for retention details.

4. What Trickle is

Trickle is a mobile-first app that helps you build healthy financial habits. The Service includes:

• a curriculum of bite-sized lessons on personal finance concepts;
• tools to set and track savings goals, nudges, streaks, and badges;
• simulators for debt payoff, retirement projections, cost-per-use, and similar calculations;
• Trickle chatbot, an AI-assisted conversational feature grounded in Trickle's lesson content;
• community features such as "Grove" cohorts.

We may change, add, or remove features over time. We will not materially reduce a feature you have paid for without giving you a reasonable alternative.

5. Educational purpose — not financial advice

By using Trickle you acknowledge and agree that:

• Trickle is not a registered financial adviser, broker, dealer, planner, accountant, tax agent, or lawyer in any jurisdiction.
• We do not recommend any specific investment, product, strategy, account, debt management plan, or transaction.
• Any numbers or projections generated by our simulators are illustrative only. They rely on assumptions you enter and on default rates of return that are not guaranteed.
• Past performance is not a reliable indicator of future performance. All investing and financial decisions carry risk, including the risk of loss.
• You are solely responsible for any decision you make after using Trickle, and for the outcomes of those decisions.
• Trickle is a global product. Information in our lessons is general and may not reflect the laws, tax rules, or regulations of your specific country.

6. Trickle chatbot

"Ask Trickle" (also called "Trickle chatbot") is an AI-powered conversational feature. Specific terms apply:

• Purpose — Trickle chatbot exists to explain concepts drawn from Trickle's own lessons and to help you think through general money questions. It is not a financial adviser.
• AI processing — your messages are processed by third-party AI models — primarily Google Gemini, with Anthropic's Claude as a fallback. See our Privacy Policy for exactly what data is sent.
• What we do not send — we do not send your stored profile, goals, money moves, lesson progress, or any other account data to these AI models. Chat is isolated from your saved data.
• Accuracy — AI responses can be inaccurate, incomplete, or out of date. You must not rely on them as a substitute for professional advice or your own research.
• Boundaries — Trickle chatbot is designed to refuse requests that would require personalised financial advice, to recommend specific investments, or to tell you what to do with your money. If a response feels like a direct recommendation, treat it as general information only.
• Do not send sensitive data — do not include government ID numbers, full bank or card numbers, passwords, or other sensitive personal data in your chatbot messages. There is no business need for this information and we ask you not to.
• Usage limits — free accounts get 3 Trickle chatbot conversations per month. Premium accounts get unlimited conversations, subject to reasonable fair-use limits we may apply to prevent abuse.

7. Premium subscriptions

Trickle Premium is a paid subscription that unlocks additional features described at the point of purchase.

• Pricing — US$7.99 per month or US$49.99 per year (price equivalents in your local currency are set by Apple or Google). Prices may change; we will give you notice before any price change affects an existing subscription.
• Billing — payment is charged to your Apple ID or Google account at the time of purchase and automatically renews at the end of each billing period unless you cancel at least 24 hours before the period ends.
• Free trials and promotional offers — if we offer a free trial or introductory price, we will disclose its length and the price that applies afterwards at the time of purchase. Unused portions of a free trial are forfeited if you purchase Premium during the trial.
• Managing your subscription — you can view and manage your subscription in your Apple ID or Google account settings, not in the Trickle app itself.

8. Cancellation and refunds

You can cancel your subscription at any time through your Apple ID or Google account. Cancellation takes effect at the end of your current billing period — you keep Premium access until then.

Refunds for Apple IAP or Google Play purchases are handled by Apple or Google under their refund policies. We cannot issue refunds directly because we do not receive the payment directly. If you believe a purchase was made in error, contact:

• Apple — reportaproblem.apple.com
• Google Play — Google Play refund requests

Consumer law in your country may give you additional rights that cannot be limited by contract. Nothing in these Terms affects those rights.

9. Acceptable use

You agree not to:

• use the Service for any unlawful purpose, or in a way that infringes anyone's rights;
• reverse engineer, decompile, or attempt to extract the source code of the Service, except as permitted by applicable law;
• interfere with, probe, or attack the Service, including by attempting to bypass rate limits, authentication, or access controls;
• use the Service to build a competing product, or to train or benchmark a machine-learning model;
• scrape, harvest, or automate access to the Service without our prior written permission;
• upload content that is harmful, defamatory, discriminatory, obscene, or that infringes intellectual property;
• attempt to gain access to another user's account or data;
• misrepresent your identity, age, or affiliation.

10. Your content

Trickle lets you enter content — goals, money moves, notes, chatbot messages. You keep ownership of what you enter. You grant us a worldwide, royalty-free licence to store and process your content only to the extent necessary to provide the Service to you.

You are responsible for your content. You agree it does not infringe anyone's rights, breach any law, or include any sensitive data you are not permitted to share.

11. Our intellectual property

Trickle, the Trickle name and logo, the app, the website, our lessons, and all related materials are owned by LANGLIGELANG LIMITED or our licensors and are protected by copyright, trademark, and other intellectual property laws.

We grant you a personal, limited, non-exclusive, non-transferable, revocable licence to use the Service for your own personal, non-commercial use, subject to these Terms. You must not copy, republish, distribute, or create derivative works from our content without our prior written permission.

12. Third-party services

The Service uses third-party providers, including Apple, Google, Anthropic, Supabase, RevenueCat, Expo, and Cloudflare. Your use of their services is also subject to their own terms and privacy policies, which are listed in our Privacy Policy.

13. Suspension and termination

You can delete your account at any time. We may suspend or terminate your access to the Service if you materially breach these Terms, if we are required to do so by law, or if the Service is discontinued. Where reasonable, we will give you notice and an opportunity to correct the issue.

On termination, your right to use the Service ends. Provisions of these Terms that by their nature should survive — including §5 (educational purpose), §10 (your content licence), §11 (intellectual property), §14 (warranties), §15 (liability), §16 (indemnity), and §17 (governing law) — will survive.

14. Disclaimers of warranty

The Service is provided "as is" and "as available". To the fullest extent permitted by law, we disclaim all warranties, whether express, implied, statutory, or otherwise, including any implied warranties of merchantability, fitness for a particular purpose, quality, non-infringement, and any warranty that the Service will be uninterrupted, error-free, secure, or free from viruses or harmful components.

We do not warrant that the Service, including Trickle chatbot outputs, is accurate, complete, current, or suitable for any particular decision you may make.

15. Limitation of liability

To the fullest extent permitted by law, neither Trickle nor our directors, employees, or service providers will be liable for any indirect, incidental, consequential, special, punitive, or exemplary damages — including loss of profits, loss of savings, loss of data, loss of opportunity, or financial loss resulting from any financial decision you make — arising out of or in connection with the Service.

Our total aggregate liability to you in any 12-month period will not exceed the greater of (a) the total amount you paid to us in the 12 months preceding the event giving rise to the liability, or (b) US$100.

Nothing in this section limits liability that cannot be limited by law, including liability for fraud, gross negligence, or death or personal injury caused by negligence.

16. Indemnity

You agree to indemnify and hold harmless LANGLIGELANG LIMITED and its officers, directors, employees, and agents from and against any claims, damages, liabilities, costs, and expenses (including reasonable legal fees) arising out of (a) your breach of these Terms, (b) your misuse of the Service, (c) your violation of applicable law, or (d) your infringement of any third party's rights.

17. Governing law and disputes

These Terms and any dispute arising out of or in connection with them are governed by the laws of New Zealand. You and we submit to the non-exclusive jurisdiction of the courts of New Zealand.

If you are a consumer, you may have a right to bring proceedings in the courts of your country of residence, and mandatory consumer protection laws in your country will continue to apply regardless of this clause.

Before starting formal proceedings, please contact us at [email protected] so we have a chance to resolve the issue directly.

18. Changes to these terms

We may update these Terms from time to time. If we make material changes, we will notify you in the app or by email at least 14 days before they take effect. Continuing to use the Service after the effective date means you accept the updated Terms. If you do not agree, you should delete your account before the effective date.

19. Contact