Welcome to PetPawfolio ("we," "our," or "us"). We are committed to protecting your privacy. This Privacy Policy explains how your personal information is collected, used, and disclosed by PetPawfolio.

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This Privacy Policy applies to our website, and its associated subdomains (collectively, our "Service") alongside our application, PetPawfolio. By accessing or using our Service, you signify that you have read, understood, and agree to our collection, storage, use, and disclosure of your personal information as described in this Privacy Policy.

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to install and use the App on any Apple-branded device that you own or control, solely for your personal or internal business purposes.

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All rights not expressly granted to you are reserved by us and our licensors. The App is licensed, not sold, to you.

You agree not to:

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- Use the App for any unlawful, fraudulent, or deceptive purpose

- Generate invoices, quotes, or receipts for transactions that did not occur or that misrepresent amounts, parties, taxes, or tax identifiers

- Use the App to evade taxes, commit money laundering, or violate any anti-fraud, consumer-protection, sanctions, anti-bribery, or financial-services law

- Reverse-engineer, decompile, disassemble, or attempt to derive the source code of the App (except to the extent this restriction is prohibited by applicable law)

- Rent, lease, resell, sublicense, or otherwise commercially exploit the App

- Remove, alter, or obscure any proprietary notices, trademarks, or watermarks

- Use the App to create branding, logos, or content that infringes any third-party intellectual property rights or right of publicity

- Introduce viruses, malware, or other harmful code

- Interfere with or disrupt the integrity or performance of the App

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We reserve the right to suspend or terminate your license to use the App if you violate these Terms.

"Your Content" means all business information, client information, invoices, quotes, receipts, product catalogs, logos, images, and other data you enter into the App.

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- Ownership. You retain all rights to Your Content. We claim no ownership over it.

- Local storage. Your Content is stored locally on your device. We do not receive a copy.

- Your responsibility. You are solely responsible for:

  - The accuracy, completeness, and legality of Your Content

  - Obtaining all consents required to store and process client information (including under GDPR, CCPA, and similar laws)

  - Complying with all applicable tax, invoicing, record-keeping, consumer-protection, and electronic-signature laws

  - Backing up Your Content (for example, via iCloud Device Backup)

- No recovery. If you delete Your Content, uninstall the App, reset your device, or use "Reset Everything" in the App, your data cannot be recovered by us. We have no ability to retrieve it.

The App is provided to you free of charge. You pay nothing to download, install, or use any feature of the App. We reserve the right to introduce optional paid features or tiers in the future; if we do, new paid features will be clearly disclosed before you are charged, any paid transactions will be processed by Apple through the App Store subject to Apple's Media Services Terms, and any functionality you are already using at that time will remain available to you without new charges.

Invoice Maker: Quotes, Receipts is a document-generation utility. It is NOT a provider of accounting, bookkeeping, tax, legal, financial, or regulatory advice.

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- The App does not determine correct tax rates, tax treatment, taxability of items, withholding, or filing obligations.

- Default tax labels (such as "Tax," "VAT," "GST," "IGST," "CGST," "SGST," "HST," "PST") and templates are provided for convenience only. You are solely responsible for selecting the correct label, rate, and calculation method for your jurisdiction and your transaction.

- Calculations produced by the App (subtotals, discounts, taxes, totals) are simple arithmetic based on values you enter. They do not constitute a certified invoice, tax invoice, fiscal receipt, or e-invoice under any jurisdiction's rules unless you independently confirm they meet those requirements.

- Currency conversion, multi-currency handling, and currency symbols are based on values you choose. We make no representation that outputs are compliant with any specific country's e-invoicing, fiscalization, or reporting regime (including but not limited to SAF-T, Peppol, GST e-invoicing, KSA ZATCA, Italy SDI, Mexico CFDI, Brazil NF-e, EU VAT invoice requirements, US state sales-tax rules, or IRS rules).

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Before relying on any invoice, quote, receipt, or record produced by the App, you must consult a qualified professional in your jurisdiction.

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including but not limited to:

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- Implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement

- Warranties that the App will be uninterrupted, error-free, secure, accurate, complete, reliable, current, or free of viruses

- Warranties that any defects will be corrected

- Warranties regarding tax, legal, accounting, or financial correctness

- Warranties that the App complies with any specific country's e-invoicing, fiscalization, or record-keeping laws

- Warranties that data will not be lost, corrupted, or become unrecoverable

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Some jurisdictions do not allow the exclusion of certain warranties. In those jurisdictions, the disclaimers above apply to the maximum extent permitted by law.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

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1. No indirect damages. In no event will the Company, its affiliates, officers, directors, employees, agents, licensors, or suppliers be liable to you for any indirect, incidental, special, consequential, exemplary, or punitive damages, including but not limited to:

   - Loss of profits, revenue, or business opportunities

   - Loss of goodwill or reputation

   - Loss, corruption, or inaccuracy of data

   - Tax penalties, interest, fines, back taxes, or assessments

   - Rejected, late, or non-compliant invoices

   - Misdelivery, misattribution, or errors in any invoice, quote, or receipt

   - Costs of substitute services

   - Any damages arising from reliance on any calculation, template, tax label, or document produced by the App

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   This applies regardless of the legal theory (contract, tort, negligence, strict liability, statute, or otherwise) and regardless of whether we were advised of the possibility of such damages.

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2. No direct damages. Because the App is provided to you free of charge, you acknowledge and agree that the Company shall have no monetary liability to you of any kind arising out of or related to the App or these Terms. Without limiting the foregoing, to the maximum extent permitted by applicable law, the Company's total cumulative liability to you for any and all claims is zero U.S. dollars (USD $0.00).

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3. Essential basis. You acknowledge that the App is offered to you at no cost in reliance on this allocation of risk and that these limitations are an essential basis on which the Company makes the App available to you.

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Some jurisdictions do not allow the exclusion or limitation of certain damages. In those jurisdictions, our liability will be limited to the maximum extent permitted by law.

You agree to defend, indemnify, and hold harmless the Company and its affiliates, officers, directors, employees, contractors, agents, licensors, and suppliers from and against any and all claims, damages, obligations, losses, liabilities, costs, or debts, and expenses (including reasonable attorneys' fees) arising from:

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- Your use or misuse of the App

- Your violation of these Terms or the Privacy Policy

- Your violation of any third-party right, including any intellectual property, privacy, publicity, or contractual right

- Your violation of any law, rule, or regulation (including tax, consumer-protection, data-protection, anti-fraud, and sanctions laws)

- The content, accuracy, or legality of any invoice, quote, receipt, or other document you generate with the App

- Any dispute between you and a client, customer, vendor, tax authority, or other third party

The App, including its software, design, trademarks, service marks, graphics, and templates, is owned by the Company or its licensors and is protected by copyright, trademark, and other intellectual-property laws. "Invoice Maker: Quotes, Receipts" and "Mosaic Minds Studio" and associated logos are our trademarks. You may not use them without our prior written permission except to identify the App.

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Your business name, logo, and content that you enter into the App remain your property.

The App is distributed through the Apple App Store and runs on Apple platforms. When you share a PDF, the file is transmitted through the third-party app or service you select (for example, Mail, Messages, WhatsApp, or Files). We are not responsible for the practices or privacy policies of those third parties.

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Apple App Store Additional Terms. You acknowledge that these Terms are between you and the Company only, and not with Apple. Apple is not responsible for the App or its content. Apple has no obligation to provide maintenance or support. In the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any); to the maximum extent permitted by law, Apple will have no other warranty obligation. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

You may stop using the App and uninstall it at any time. We may suspend or terminate your license if you breach these Terms or if we discontinue the App. All provisions of these Terms that by their nature should survive termination will survive, including ownership provisions, warranty disclaimers, limitations of liability, indemnification, and dispute-resolution provisions.

1.Governing law. These Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict-of-laws principles.

2.Informal resolution. Before filing a formal claim, you agree to first contact us at support@mosaicmindsstudio.com and attempt to resolve the dispute informally for at least thirty (30) days.

3.Binding arbitration. Any dispute that cannot be resolved informally will be resolved by **binding individual arbitration** administered by the American Arbitration Association under its Consumer Arbitration Rules, in the English language, in Delaware (or by telephone/video where permitted). The arbitrator, and not any court, will have exclusive authority to resolve disputes related to these Terms.

4. No class actions. YOU AND THE COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims.

5. Exceptions. Either party may bring an individual claim in small-claims court, and either party may seek injunctive or equitable relief in court for infringement or misappropriation of intellectual property.

6. 30-day opt-out. You may opt out of this arbitration agreement by emailing support@mosaicmindsstudio.com with the subject line "Arbitration Opt-Out" within thirty (30) days of first accepting these Terms.

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If the class-action waiver is found unenforceable, then the entire arbitration clause will be null and void, but the rest of these Terms will remain in effect.

The App is available through Apple's App Store. You acknowledge and agree that:

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- These Terms are between you and Mosaic Minds Studio, not Apple.

- Apple has no obligation to provide maintenance or support for the App.

- Apple is not responsible for any claims related to the App, including product liability, legal compliance, or intellectual property.

- Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them.

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This section is included in compliance with Apple's Minimum Terms for Developer's End-User License Agreement https://www.apple.com/legal/internet-services/itunes/dev/stdeula/).

- Entire agreement. These Terms and the Privacy Policy constitute the entire agreement between you and the Company regarding the App and supersede any prior agreements.

- Severability. If any provision of these Terms is found unenforceable, the remaining provisions will remain in full force.

- No waiver. Our failure to enforce any provision is not a waiver of our right to enforce it later.

- Assignment. You may not assign these Terms. We may assign these Terms in connection with a merger, acquisition, sale of assets, or by operation of law.

- Force majeure. We are not liable for any delay or failure to perform caused by events beyond our reasonable control, including acts of God, natural disasters, war, terrorism, labor disputes, government actions, internet or telecommunications failures, or pandemics.

- Headings. Section headings are for convenience only and do not affect interpretation.

The App is available through Apple's App Store. You acknowledge and agree that:

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- These Terms are between you and Mosaic Minds Studio, not Apple.

- Apple has no obligation to provide maintenance or support for the App.

- Apple is not responsible for any claims related to the App, including product liability, legal compliance, or intellectual property.

- Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them.

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This section is included in compliance with Apple's Minimum Terms for Developer's End-User License Agreement https://www.apple.com/legal/internet-services/itunes/dev/stdeula/).