Terms & conditions

1. Introduction

Welcome to Haplo, LLC (“Haplo,” “we,” “us,” or “our”). These Terms and Conditions (“Terms”) govern your use of our applications, related services, websites, and content (collectively, the “Services”). By creating an account, tapping to accept these Terms, purchasing a subscription, or otherwise using the Services, you agree to be bound by these Terms. If you do not agree, do not use the Services.

2. Our Services

The Services include, but are not limited to:

• Bilbo — builds day-by-day travel itineraries on your device using an on-device AI model.
• Cinder — workout and training tracking with an AI training chat. See Section 14 (Health & Fitness).
• Haplo AI — downloads and runs large language models and image models locally on your device.
• Haplo AI Investing — stock market analysis, market data, and AI-generated commentary. See Section 13 (No Investment Advice).
• Barrier — limits app usage through customized restrictions to support focus.
• MD2PDF / Markdown2PDF — converts Markdown to PDF.
• EasyLogo, Annot8, Chow Choice, and any other applications we offer.

We may add, change, or discontinue Services at any time. Our Services may incorporate third-party APIs and services, including Financial Modeling Prep, Wikimedia/Wikipedia, Strava, Yelp, and Google. You are responsible for compliance with applicable local laws if you access the Services from outside the United States.

3. User Accounts and Registration

Certain Services require an account. You agree to provide accurate and complete registration information, keep it updated, and maintain the confidentiality of your credentials. You are solely responsible for activity under your account. Accounts created with false information or for unlawful purposes may be terminated. We may remove or reclaim a username we determine to be inappropriate, obscene, or objectionable.

4. Age Restrictions

The Services are intended for users 13 years of age or older. Minors under 18 must have permission from a parent or guardian, who must review and accept these Terms on their behalf. We do not knowingly collect information from users under 13. If you believe a child under 13 has provided us information, contact support@haploapp.com and we will delete it.

5. Intellectual Property

All content, features, and functionality of the Services — including text, graphics, logos, images, audio, video, software, and data compilations — are owned by Haplo, LLC or its licensors and protected by intellectual property laws. You may use the Services for personal, non-commercial purposes. Unauthorized use, reproduction, or distribution is prohibited. For use beyond personal use, contact support@haploapp.com for written permission. We reserve all rights not expressly granted.

Some Services display content from third-party sources under open licenses. Where Bilbo displays photographs sourced from Wikimedia Commons, those images remain the property of their respective authors and are used under their applicable Creative Commons or public-domain licenses, with attribution shown alongside the image.

6. Artificial Intelligence: How We Use It and What It Cannot Do

Several of our Services use artificial intelligence. We want to be direct about what that means.

6.1 Outputs are generated, not verified. Content produced by AI features — itineraries, training suggestions, market commentary, chat responses, images, and summaries — is generated by statistical models. It may be inaccurate, incomplete, outdated, or entirely wrong, even when it is stated confidently. It is not reviewed by a human before you see it. You are responsible for independently verifying any output before relying on it. Do not rely on AI output for medical, legal, financial, safety, or other consequential decisions.

6.2 Where processing happens. Bilbo, Haplo AI, and the on-device features of Haplo AI Investing and Cinder run their AI models locally on your device; the contents of your prompts, chats, and generated results are not transmitted to Haplo servers for those features. Apps may still make ordinary network requests for non-AI purposes — for example, Bilbo requests place photographs from Wikimedia, and Haplo AI Investing requests market data — and the operator of that third-party service will see the request and your IP address. Features that require a network service are labeled as such in the app.

6.3 No performance guarantee. We do not guarantee any particular level of accuracy, quality, or outcome from AI features. Comparisons to other AI products, where made, refer to specific measurable characteristics (such as context window size) and are not claims of overall equivalence.

6.4 Third-party models. Our apps let you download and run third-party AI models subject to their own licenses, including Gemma (Gemma Terms of Use), Phi-3 (MIT), Mistral (Apache 2.0), Llama 3 (Meta Llama 3 Community License), Qwen2 (Apache 2.0), and Stable Diffusion 1.5 / 2.1 (CreativeML Open RAIL++-M). Attributions: “Built with Meta Llama 3. Meta Llama 3 is licensed under the Meta Llama 3 Community License, Copyright © Meta Platforms, Inc. All Rights Reserved.” “Gemma is provided under and subject to the Gemma Terms of Use found at ai.google.dev/gemma/terms.” Stable Diffusion is licensed under CreativeML Open RAIL++-M by Stability AI and Runway ML.

6.5 Prohibited uses of AI features. You may not use AI models provided through the Services to: (a) generate content violating applicable law; (b) generate or disseminate false information intended to harm others; (c) generate content that exploits or harms minors, including any sexualized depiction of a minor; (d) generate defamatory, discriminatory, or harassing content; (e) generate content impersonating real individuals without consent, including non-consensual intimate imagery or “deepfakes”; (f) make automated decisions adversely affecting an individual's legal rights; (g) generate spam, malware, phishing, or fraud; or (h) use outputs from Meta Llama 3 models to train or improve other large language models. These restrictions are required by the underlying model licenses and are independently enforceable by us.

6.6 You own your outputs, and you are responsible for them. As between you and Haplo, you own the content you generate using on-device AI features. You are solely responsible for how you use it, including any distribution, and for ensuring it does not infringe the rights of others.

7. Payments, Subscriptions, and Refunds

Some Services offer in-app purchases, subscriptions, or paid features. Purchases made through the Apple App Store are processed by Apple, and your payment relationship for those purchases is with Apple, not Haplo.

7.1 Auto-renewal. Subscriptions automatically renew at the then-current price at the end of each billing period unless you cancel at least 24 hours before the period ends. The price, billing period, and renewal terms are disclosed to you before purchase.

7.2 How to cancel. You can cancel at any time in your Apple ID subscription settings (Settings → your name → Subscriptions on iOS). Cancellation takes effect at the end of the current billing period; you keep access until then.

7.3 Refunds. Refunds for App Store purchases are handled by Apple under Apple's refund policy, and you may request one at reportaproblem.apple.com. Haplo cannot issue refunds for purchases processed by Apple. Nothing in these Terms limits any refund or cancellation right you have under applicable consumer protection law, and where such law gives you a greater right, that law controls.

8. User Conduct and Prohibited Activities

You agree not to: use the Services for illegal purposes; violate intellectual property or other rights; transmit harmful, offensive, or illegal content; impersonate others; use bots or scraping to access or modify the Services; upload malware or interfere with the Services' operation; exploit the Services commercially without authorization; systematically retrieve data to build a database; circumvent security features; or engage in activity that disrupts or unduly burdens the Services.

9. Your Content

Most Haplo apps store the content you create — trips, workouts, chats, notes — locally on your device or in your own iCloud account, and we never receive it. Where you do transmit content to us (for example, a support request, or a watchlist synced to your account), you retain ownership. You grant Haplo, LLC a non-exclusive, royalty-free, worldwide license to use, store, and display that content solely as needed to operate and support the Services for you. We do not publish your content to other users; the Services do not include public profiles, public posts, or user-to-user content sharing.

10. Copyright Complaints (DMCA)

We respect intellectual property rights. If you believe material accessible through the Services infringes your copyright, send a written notice to our designated agent containing: (a) your physical or electronic signature; (b) identification of the copyrighted work claimed to be infringed; (c) identification of the material claimed to be infringing and information reasonably sufficient to locate it; (d) your contact information; (e) a statement that you have a good faith belief the use is not authorized by the copyright owner, its agent, or the law; and (f) a statement, under penalty of perjury, that the information in the notice is accurate and that you are the copyright owner or authorized to act on the owner's behalf.

Designated Copyright Agent
Haplo, LLC — Copyright Agent
1402 N Steiwer Ln, Newberg, OR 97132
Email: support@haploapp.com

We will respond to valid notices, including by removing infringing material where we host it, and we will terminate the accounts of repeat infringers where appropriate. If you believe material was removed in error, you may send a counter-notice to the same agent.

11. Mobile Application License

You are granted a limited, non-transferable, revocable license to use our apps on devices you own or control, as permitted by the usage rules of the applicable app store. You must not reverse-engineer, modify, redistribute, or exploit the apps except to the extent applicable law permits notwithstanding this limitation.

Apple-specific terms. For apps obtained through the Apple App Store, you acknowledge that: these Terms are between you and Haplo, LLC only, not Apple; Apple has no obligation to provide maintenance or support; Apple is not responsible for any product warranties or claims, including product liability, legal compliance, or intellectual property claims; you may not use the app if you are located in a country subject to a U.S. Government embargo or designated as a terrorist supporting country, or if you are on any U.S. Government restricted-parties list; and Apple and its subsidiaries are third-party beneficiaries of these Terms with the right to enforce them against you. Except as stated here, our apps are licensed under Apple's Standard End User License Agreement, available at apple.com/legal/internet-services/itunes/dev/stdeula.

12. Privacy

Your use of the Services is subject to our Privacy Policy, which explains what we collect and how we use it. By using the Services, you consent to that policy, including transfer of data to the United States.

13. No Investment Advice

Haplo AI Investing is an educational and informational tool. It is not investment advice. Haplo, LLC is not a registered investment adviser, broker-dealer, or financial planner, and nothing in the Services is a recommendation to buy, sell, or hold any security.

Price predictions, directional calls, signals, scores, and AI-generated commentary are statistical estimates produced by models. They are frequently wrong. Past performance does not predict future results, and no stated or implied accuracy figure should be treated as a guarantee of future performance. Market data may be delayed, incomplete, or inaccurate, and is provided by third parties we do not control. You are solely responsible for your investment decisions and should consult a licensed financial professional before acting. You may lose money, including your entire investment.

14. Health, Fitness, and Safety

Cinder and any other fitness or wellness feature are not medical advice and are not a substitute for professional medical care. Haplo, LLC is not a healthcare provider. Training plans, workout suggestions, recovery and strain estimates, injury accommodations, and AI training chat responses are informational only and are generated automatically without clinical review.

Consult a physician before beginning or changing any exercise program, particularly if you are pregnant, have a medical condition or injury, take medication, or have been sedentary. Stop immediately and seek medical attention if you experience pain, dizziness, shortness of breath, or other symptoms. Physical exercise carries an inherent risk of serious injury or death. You voluntarily assume that risk when you use these features. Metrics derived from device or wearable sensors are estimates, are not medical-grade, and must not be used to diagnose, treat, or monitor any medical condition.

15. Disclaimers

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not warrant uninterrupted or error-free operation, or the accuracy of any content or AI output. Some jurisdictions do not allow the exclusion of certain warranties, so some of these exclusions may not apply to you.

16. Limitation of Liability and Indemnification

TO THE FULLEST EXTENT PERMITTED BY LAW, HAPLO, LLC WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST DATA, OR TRADING OR INVESTMENT LOSSES, ARISING FROM YOUR USE OF THE SERVICES. OUR TOTAL AGGREGATE LIABILITY IS LIMITED TO THE GREATER OF $100 USD OR THE AMOUNT YOU PAID US IN THE TWELVE MONTHS PRECEDING THE CLAIM. Nothing in these Terms excludes liability that cannot lawfully be excluded, including for fraud, gross negligence, willful misconduct, or death or personal injury caused by our negligence where applicable law prohibits such exclusion.

You agree to indemnify and hold harmless Haplo, LLC and its officers, employees, and agents from claims, damages, and reasonable expenses arising from your use of the Services, your violation of these Terms, or your infringement of third-party rights.

17. Dispute Resolution, Arbitration, and Class Action Waiver

17.1 Informal resolution first. Before starting an arbitration or any other proceeding, you and Haplo agree to try to resolve the dispute informally. Send a written Notice of Dispute to support@haploapp.com describing the dispute and the relief you want, and include your name, the app involved, and contact information. Both parties will attempt in good faith to resolve it for 60 days from receipt. This step is a condition precedent to arbitration, and the limitations period is tolled while it runs.

17.2 Agreement to arbitrate. If informal resolution fails, any dispute, claim, or controversy arising out of or relating to these Terms or the Services — whether based in contract, tort, statute, fraud, or any other theory — will be resolved by final and binding individual arbitration, and not in court, except as stated in 17.3.

17.3 Exceptions. Either party may (a) bring an individual claim in small claims court if it qualifies and stays there, and (b) seek injunctive or other equitable relief in court to protect intellectual property rights or address unauthorized access to the Services. Nothing here prevents you from reporting a matter to a government agency.

17.4 Rules, forum, and location. Arbitration will be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, as modified by these Terms, before a single arbitrator. For claims of $25,000 or less, the arbitration will be conducted by document submission or telephone/videoconference unless the arbitrator determines a hearing is necessary. If an in-person hearing is held, it will take place in the county where you live, or another mutually agreed location. You will never be required to travel outside your home state to arbitrate. Fees are allocated under the AAA Consumer Arbitration Rules; where those rules assign a filing fee to you that exceeds the cost of filing in court, we will pay the difference. The arbitrator may award any relief a court could award to you individually, including statutory damages and attorneys' fees where authorized by law.

17.5 CLASS ACTION AND CLASS ARBITRATION WAIVER. YOU AND HAPLO AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. The arbitrator may not consolidate more than one person's claims, may not preside over any form of class or representative proceeding, and may award relief only to the individual party seeking it. YOU AND HAPLO WAIVE ANY RIGHT TO A JURY TRIAL.

17.6 Effect if the waiver is unenforceable. The class action and class arbitration waiver in 17.5 is a material and non-severable part of this Section 17. If a court of competent jurisdiction finds the waiver in 17.5 unenforceable as to a particular claim or request for relief, then that claim or request must be brought in court and severed from any arbitration, and the remaining claims will still be arbitrated. Under no circumstances will class or representative arbitration be permitted. If Section 17 as a whole is found unenforceable, the parties agree to the exclusive jurisdiction and venue of the state and federal courts located in Multnomah County, Oregon.

17.7 Coordinated or mass filings. If 25 or more claimants file demands for arbitration raising substantially similar claims and represented by the same or coordinated counsel, the parties agree the demands will be administered in batches of no more than 50, each batch treated as a single arbitration with a single arbitrator and a single set of filing fees. Batches will proceed sequentially, and the statute of limitations is tolled for claims awaiting a batch. This provision is intended to make resolution efficient for both sides, and either party may ask the AAA to appoint a process arbitrator to resolve disputes about batching.

17.8 YOUR RIGHT TO OPT OUT. You may reject this arbitration agreement by emailing support@haploapp.com with the subject line “Arbitration Opt-Out” within 30 days of the date you first accept these Terms, stating your name, the app you use, and that you are opting out of arbitration. Opting out is free, will not affect your access to the Services in any way, and leaves the rest of these Terms in effect. If you opt out, disputes will be resolved in the state or federal courts located in Multnomah County, Oregon.

17.9 Who decides what. The arbitrator has authority to decide all issues of arbitrability and the interpretation, applicability, enforceability, and scope of this Section 17 — except that a court, not the arbitrator, decides whether the class waiver in 17.5 is enforceable and whether Section 17.7 applies.

17.10 Time limit. Any claim must be filed within two (2) years after it accrues, except where applicable law provides a longer period that cannot be shortened by agreement, in which case that period applies.

17.11 Survival and changes. This Section 17 survives termination of these Terms and of your use of the Services. If we materially change this Section 17, the change will not apply to any dispute for which we had actual notice before the change took effect, and you will have a fresh 30-day window to opt out under 17.8.

18. Termination

We may suspend or terminate your access to the Services for violation of these Terms or where we are required to do so by law. You may stop using the Services at any time; cancelling a subscription is described in Section 7.2.

19. Modifications to the Services and These Terms

We may modify or discontinue the Services at any time. We may update these Terms; the effective date at the top will change, and material changes will be brought to your attention in the app or by email where we have your address. Continued use after a change takes effect constitutes acceptance, except as limited by Section 17.11.

20. Your Data

We may store and process data you transmit to us as needed to operate the Services. You are responsible for maintaining your own backups of content stored on your device. See the Privacy Policy for details.

21. Electronic Communications

By using the Services, you consent to receive communications from us electronically and agree that electronic notices, agreements, and signatures satisfy any legal requirement that such communications be in writing.

22. Miscellaneous

These Terms, together with the Privacy Policy, constitute the entire agreement between you and Haplo, LLC regarding the Services and supersede any prior agreement, including any earlier end user license agreement we may have published. If any provision is found unenforceable, it will be limited to the minimum extent necessary and the remainder will stay in effect — subject to Section 17.6, which controls for the class waiver. Our failure to enforce a provision is not a waiver of it. These Terms are governed by the laws of the State of Oregon, without regard to its conflict-of-laws rules, except that the Federal Arbitration Act governs Section 17. You may not assign these Terms; we may assign them in connection with a merger, acquisition, or sale of assets.

23. Contact

Haplo, LLC
1402 N Steiwer Ln, Newberg, OR 97132
Email: support@haploapp.com