Terms of Service

Please read these Terms of Service ("Terms") carefully before using the Offramp iOS application ("App") operated by Offramp ("we", "us", or "our"). By downloading, installing, or using the App, you agree to be bound by these Terms. If you do not agree, do not use the App.

1. Eligibility

You must be at least 13 years of age to use Offramp. By using the App, you represent that you are 13 or older. If you are between 13 and 18, you represent that your parent or legal guardian has reviewed and agreed to these Terms.

2. Your Account

You are responsible for providing accurate information during account creation, maintaining the security of your credentials, and all activity that occurs under your account. We reserve the right to suspend or terminate accounts that violate these Terms, appear fraudulent, or pose a security risk, with or without notice.

3. Email and Inbox Access

By connecting your Gmail or Outlook account, you grant Offramp read-only access to your inbox solely to detect subscription billing emails. You acknowledge that we access only billing-related content — never personal emails or conversations. Your email tokens are stored only on your device, never on our servers. You may revoke access at any time from within the App or through your Google or Microsoft account settings. We do not send emails on your behalf, modify your inbox, store email content, or share your email data with third parties for any purpose other than providing the App's described features.

4. Subscriptions and In-App Purchases

4.1 Free tier. The App is available at no cost with a limit of 5 tracked subscriptions.

4.2 Offramp Pro. Offramp Pro is an auto-renewing subscription available via in-app purchase through the Apple App Store:

4.3 Billing terms.

• Payment is charged to your Apple ID account at confirmation of purchase
• Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current billing period
• Your account is charged for renewal within 24 hours before the end of the current period at the applicable plan rate
• You may manage your subscription and turn off auto-renewal at any time by going to your Apple ID Account Settings after purchase (Settings → [Your Name] → Subscriptions)
• Prices are in USD and may vary by region as displayed in the App Store

4.4 Free trials. If a free trial is offered, it begins immediately upon activation. Any unused portion of a free trial period is forfeited when a paid subscription is purchased.

4.5 Refunds. We do not issue refunds directly. All refund requests must be submitted to Apple per their standard App Store refund policy. Cancelling your subscription stops future renewals but does not entitle you to a refund for the current billing period.

5. Accuracy and Limitations

Offramp uses AI and pattern matching to detect subscriptions. You acknowledge that detection is not guaranteed to be complete or accurate, detected information may contain errors, and the App is a detection and tracking aid only. Always verify billing information directly with your service provider. We are not responsible for missed cancellation windows, unexpected charges, or financial decisions made based on App information.

6. AI-Powered Features

AI-powered detection is opt-in and requires your explicit consent before any inbox scan runs. By enabling AI detection, you acknowledge that sanitized billing email excerpts may be processed by our backend AI service as described in our Privacy Policy. You may withdraw consent at any time from Settings → Connected Services.

7. Acceptable Use

You agree not to:

• Reverse engineer, decompile, or disassemble the App or attempt to derive its source code
• Use the App for any unlawful purpose or in violation of any applicable regulation
• Attempt to gain unauthorized access to our systems, servers, or any connected network
• Transmit or distribute malware, viruses, or other harmful code
• Use automated scripts, bots, or scrapers to access App features
• Resell, sublicense, or provide access to the App to any third party for commercial purposes
• Interfere with or disrupt the integrity, security, or performance of the App or its services
• Collect or harvest personal data from other users of the App

8. Intellectual Property

All content, branding, interface design, software, and underlying technology in Offramp are owned by or licensed to us. You are granted a limited, personal, non-exclusive, non-transferable, revocable license to use the App on your iOS device for personal, non-commercial purposes. You may not copy, reproduce, distribute, create derivative works, or exploit any part of the App without our prior written permission.

9. Disclaimers

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, OR THAT THE APP WILL BE UNINTERRUPTED, SECURE, OR ERROR-FREE. WE DO NOT WARRANT THAT DEFECTS WILL BE CORRECTED OR THAT THE APP OR ITS SERVERS ARE FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. YOUR USE OF THE APP IS ENTIRELY AT YOUR OWN RISK.

10. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL OFFRAMP OR ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES WHATSOEVER — INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, GOODWILL, REVENUE, OR OTHER INTANGIBLE LOSSES — ARISING OUT OF OR IN CONNECTION WITH: (A) YOUR USE OF OR INABILITY TO USE THE APP; (B) ANY UNAUTHORIZED ACCESS TO OR ALTERATION OF YOUR DATA; (C) CONDUCT OF ANY THIRD PARTY IN CONNECTION WITH THE APP; OR (D) ANY OTHER MATTER RELATING TO THE APP, EVEN IF OFFRAMP HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN ALL CASES, OUR TOTAL AGGREGATE LIABILITY TO YOU SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM; OR (B) TEN DOLLARS ($10.00 USD).

11. Indemnification

You agree to indemnify, defend, and hold harmless Offramp and its officers, directors, employees, contractors, and agents from and against any claims, damages, obligations, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from: (a) your use of the App; (b) your violation of these Terms; (c) your violation of any third-party right, including privacy or intellectual property rights; or (d) any claim that your conduct caused damage to a third party.

12. Termination

We may suspend or terminate your access to the App at any time, for any reason, with or without notice. Upon termination, your right to use the App ceases immediately. Sections 8, 9, 10, 11, 13, and 14 survive termination. You may delete your account at any time from Settings → Profile → Delete Account.

13. Dispute Resolution

13.1 Informal resolution. Before initiating any legal proceeding, you agree to contact us at hello@useofframp.com and allow 30 days for informal resolution.

13.2 Binding arbitration. If a dispute cannot be resolved informally, you and Offramp agree to resolve any dispute, claim, or controversy arising out of or relating to these Terms or the App through final and binding arbitration administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules, rather than in court. Arbitration shall be conducted in the State of California. The arbitrator's decision is final and binding and may be entered as a judgment in any court of competent jurisdiction.

13.3 Class action waiver.

YOU AND OFFRAMP AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING.

13.4 Small claims exception. Either party may bring an individual claim in small claims court if the claim qualifies and remains in small claims court.

13.5 IP and injunctive relief. Nothing in this section prevents either party from seeking injunctive or other equitable relief in any court for actual or threatened infringement of intellectual property rights.

14. Governing Law

These Terms are governed by and construed in accordance with the laws of the State of California, United States, without regard to its conflict of law provisions. To the extent a dispute is not subject to arbitration, you and Offramp consent to the exclusive personal jurisdiction and venue of the state and federal courts located in California.

15. Third-Party Services

The App integrates with third-party services including Google, Microsoft, Apple, Supabase, Anthropic, and Plaid. Your use of those services is subject to their respective terms and privacy policies. We are not responsible for the practices of third-party services.

16. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide at least 7 days' notice of material changes through the App before changes take effect. Continued use after the effective date constitutes acceptance. If you do not agree to updated Terms, stop using the App and delete your account.

17. Severability

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

18. Entire Agreement

These Terms, together with our Privacy Policy (useofframp.com/privacy), constitute the entire agreement between you and Offramp regarding the App and supersede all prior agreements or understandings.

19. Contact

For questions about these Terms:

Email: hello@useofframp.com
Website: https://useofframp.com/terms