Terms of Service

1. Acceptance of Terms

Welcome to Stoxia. These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Naim Dridi Podadera ("Stoxia," "we," "us," or "our"), the developer and operator of the Stoxia mobile application and website as a personal project.

By downloading, installing, accessing, or using Stoxia, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy.

If you do not agree to these Terms, you must not use Stoxia.

2. Description of Service

Stoxia is a minimalist journaling application designed to help users practice Stoic philosophy through daily reflection. Key features include:

• Local Encrypted Storage: All journal entries are stored locally on your device using SQLCipher encryption.
• AI-Generated Insights: Optional AI analysis provides short Stoic reflections based on your journal entries.
• Export & Backup: You can export your data as encrypted JSON files and optionally enable cloud backup (iCloud/Google Drive).
• Anonymous Usage: The app uses Firebase Anonymous Authentication; no email or registration is required for core features.

Stoxia is provided "as is" and may be updated, modified, or discontinued at any time. We will make reasonable efforts to notify users of significant changes.

3. Eligibility & Account Requirements

To use Stoxia, you must:

• Be at least 18 years of age. If you are under 18, you must obtain permission from a parent or legal guardian before using the app.
• Have the legal capacity to enter into these Terms.
• Agree to comply with all applicable laws and regulations in your jurisdiction.

Stoxia uses anonymous authentication. You are responsible for safeguarding your device and any backup encryption keys. We are not liable for unauthorized access resulting from your failure to secure your device.

4. User Obligations & Acceptable Use

You agree to use Stoxia responsibly and in compliance with these Terms. Specifically, you agree not to:

• Use the app for any illegal, harmful, or fraudulent purpose.
• Attempt to reverse engineer, decompile, or disassemble the app or its underlying code.
• Use automated scripts, bots, or other tools to interact with the app in ways that violate its intended functionality.
• Submit feedback, suggestions, or other content that is defamatory, obscene, threatening, discriminatory, or violates the rights of others.
• Interfere with or disrupt the operation of Stoxia's servers, networks, or services.
• Impersonate any person or entity, or falsely claim affiliation with Stoxia.
• Collect or harvest personal information of other users without consent.

Violation of these obligations may result in suspension or termination of your access to Stoxia.

5. Intellectual Property & Ownership

5.1 Your Content

You retain full ownership of all journal entries, notes, and other content you create in Stoxia ("Your Content"). Your Content remains your property, and we do not claim any ownership rights over it.

5.2 License to Use Your Content

To provide the Service, you grant Stoxia a limited, non-exclusive, royalty-free license to:

• Store Your Content locally on your device (encrypted).
• Process Your Content to generate AI insights (only if you enable this feature, and only the specific text you select for analysis).
• Store anonymous feedback submissions you voluntarily provide through the app.

This license is solely for the purpose of operating and improving Stoxia. We do not use Your Content for advertising, marketing, or any other purpose. See our Privacy Policy for details on how we handle data.

5.3 Our Content

Stoxia, including its design, user interface, code, logos, graphics, and original text (excluding Your Content), is owned by Naim Dridi Podadera and protected by copyright, trademark, and other intellectual property laws.

You are granted a limited, non-exclusive, non-transferable license to use the app for personal, non-commercial purposes. You may not copy, distribute, modify, or create derivative works from Stoxia without our prior written consent.

6. AI-Generated Insights & Disclaimers

Stoxia uses artificial intelligence to generate short Stoic reflections and insights based on your journal entries. Important disclaimers:

• Educational Purpose Only: AI-generated insights are for reflection, inspiration, and educational purposes. They are not professional advice.
• Not Medical or Therapeutic Advice: Stoxia is not a substitute for professional mental health care, therapy, or medical treatment. If you are experiencing a mental health crisis, please contact a qualified professional or emergency services immediately.
• No Guarantee of Accuracy: AI models may produce inaccurate, incomplete, or contextually inappropriate responses. You should use your own judgment when interpreting AI-generated content.
• Not Legal or Financial Advice: Insights do not constitute legal, financial, or professional advice of any kind.

By using the AI feature, you acknowledge these limitations and agree that Stoxia is not liable for any decisions you make based on AI-generated content.

7. Payments, Subscriptions & In-App Purchases

7.1 Premium Subscription

Stoxia offers a premium subscription that unlocks advanced features. Subscription options include:

• Monthly Subscription - Billed monthly
• Annual Subscription - Billed annually (includes 7-day free trial)
• Lifetime Purchase - One-time payment for permanent access

Pricing is displayed in your local currency at the time of purchase and may vary by region.

7.2 Free Features

The following features are available free of charge:

• Unlimited morning reflections
• One trial evening reflection (resets on app reinstall)
• 2 daily habit trackers (Exercise, Reading)
• Daily Stoic quotes

7.3 Premium Features

Premium subscribers gain access to:

• Unlimited evening and manual reflections
• AI-powered Stoic insights
• All 5 daily habit trackers (Exercise, Reading, Diet, Patience, Reflection)
• Growth tracking and analytics
• Priority customer support

7.4 Free Trial Terms

The Annual Subscription includes a 7-day free trial. During the trial period:

• You will not be charged for the first 7 days.
• You have full access to all premium features.
• You can cancel anytime during the trial without being charged.
• If you do not cancel before the trial ends, your subscription will automatically convert to a paid subscription and you will be charged the subscription price.

Important: To avoid being charged, you must cancel at least 24 hours before the end of the free trial period.

7.5 Auto-Renewal & Billing

Subscriptions automatically renew unless auto-renewal is turned off at least 24 hours before the end of the current subscription period. Your account will be charged for renewal within 24 hours prior to the end of the current period at the rate of your selected plan.

All payments are processed through Apple App Store or Google Play billing systems. We do not directly handle your payment information.

7.6 Managing & Cancelling Subscriptions

iOS (Apple):

1. Open the Settings app on your iPhone or iPad
2. Tap your name at the top
3. Tap "Subscriptions"
4. Select "Stoxia" from the list
5. Tap "Cancel Subscription"

Android (Google Play):

1. Open the Google Play Store app
2. Tap the menu icon (three lines) and select "Subscriptions"
3. Select "Stoxia" from the list
4. Tap "Cancel subscription"

You can also manage your subscription directly from within the Stoxia app by going to Settings → Subscription.

7.7 Refunds

Refunds are subject to Apple's and Google's refund policies. We do not have the ability to issue refunds directly. To request a refund:

• Apple: Visit reportaproblem.apple.com or contact Apple Support
• Google Play: Visit play.google.com/store/account/subscriptions and request a refund through Google Play Support

7.8 RevenueCat

We use RevenueCat, a third-party service, to manage subscription status and access control. RevenueCat processes your anonymous user ID and purchase receipts to verify your subscription status across devices. RevenueCat does not have access to your payment information. For more information, see RevenueCat's privacy policy: revenuecat.com/privacy.

7.9 Price Changes

We reserve the right to change subscription prices at any time. If the price of your subscription changes, you will be notified in advance and given the option to accept the new price or cancel your subscription.

8. Termination & Suspension

8.1 Termination by You

You may stop using Stoxia at any time by uninstalling the app from your device. To delete all local data, use the "Reset App" function in Settings before uninstalling.

8.2 Termination by Stoxia

We reserve the right to suspend or terminate your access to Stoxia at any time, without prior notice, if:

• You violate these Terms or our Privacy Policy.
• Your use of the app poses a security or legal risk.
• We are required to do so by law or court order.

Because Stoxia uses anonymous authentication, termination typically involves blocking your anonymous UID from accessing certain features (e.g., feedback submission). Your local data on your device will remain accessible unless you choose to delete it.

8.3 Effect of Termination

Upon termination:

• Your license to use Stoxia is revoked.
• We may delete any server-side data associated with your anonymous UID (crash reports, feedback submissions) within a reasonable timeframe.
• Sections of these Terms that by their nature should survive (e.g., intellectual property, disclaimers, limitations of liability) will remain in effect.

9. Disclaimer of Warranties

Stoxia is provided on an "as is" and "as available" basis. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including but not limited to:

• Warranties of merchantability, fitness for a particular purpose, and non-infringement.
• Warranties that the app will be uninterrupted, error-free, secure, or free of viruses.
• Warranties regarding the accuracy, reliability, or completeness of AI-generated content or any other feature.

We do not guarantee that Stoxia will meet your specific requirements or that any defects will be corrected. Your use of the app is at your own risk.

10. Limitation of Liability

To the fullest extent permitted by law, Naim Dridi Podadera (the developer) and any affiliated contributors shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from or related to your use of Stoxia, including but not limited to:

• Loss of data, profits, or business opportunities.
• Emotional distress or harm resulting from AI-generated content.
• Unauthorized access to or alteration of your device or data.
• Errors, bugs, or security vulnerabilities in the app.

In jurisdictions that do not allow the exclusion or limitation of liability, our liability shall be limited to the maximum extent permitted by law. In no event shall our total liability exceed the amount you paid to use Stoxia in the 12 months preceding the claim (which, for the free version, is zero).

11. Indemnification

You agree to indemnify, defend, and hold harmless Naim Dridi Podadera and any affiliates from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use of Stoxia in violation of these Terms.
• Your violation of any third-party rights, including intellectual property or privacy rights.
• Your Content, including any harm caused by content you create or share.

We reserve the right to assume exclusive defense and control of any matter subject to indemnification, and you agree to cooperate with our defense of such claims.

12. Governing Law & Dispute Resolution

12.1 Governing Law

These Terms are governed by and construed in accordance with applicable international law and the laws of your jurisdiction of residence, without regard to conflict of law principles. As this is a personal project, specific jurisdiction will be determined based on your location and applicable consumer protection laws.

12.2 Dispute Resolution

Any dispute arising from or relating to these Terms or your use of Stoxia shall be resolved as follows:

1. Informal Resolution: Before initiating formal proceedings, you agree to contact us at stoxia.app@gmail.com to attempt to resolve the dispute informally.
2. Mediation: If informal resolution fails, both parties agree to participate in non-binding mediation.
3. Binding Arbitration or Court: If mediation fails, disputes may be resolved through binding arbitration or in the courts of your jurisdiction, as appropriate under local election. You agree to submit to the exclusive jurisdiction of these courts.

12.3 Class Action Waiver

You agree to resolve disputes on an individual basis. You waive any right to participate in a class action lawsuit or class-wide arbitration against Stoxia.

13. Changes to These Terms

We may update these Terms from time to time to reflect changes in our practices, legal requirements, or app features. When we make significant changes:

• We will update the "Last Updated" date at the top of this page.
• We will notify you via an in-app message or email (if you have provided contact information).
• If you continue to use Stoxia after the updated Terms take effect, you agree to be bound by the new Terms.

If you do not agree to the updated Terms, you must stop using Stoxia.

14. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable by a court of competent jurisdiction, the remaining provisions shall continue in full force and effect. The invalid provision shall be modified to the minimum extent necessary to make it valid and enforceable.

15. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Stoxia regarding your use of the app, and supersede any prior agreements or understandings, whether written or oral.

16. Contact Information

If you have questions, concerns, or feedback regarding these Terms, please contact us:

Email: stoxia.app@gmail.com
Developer: Naim Dridi Podadera
Project Type: Personal/Independent Project

We will respond to your inquiry within a reasonable timeframe.

17. Third-Party Services

Stoxia integrates with third-party services, including:

• Firebase (Google): For anonymous authentication, crash reporting, remote configuration, and feedback storage. Firebase Terms.
• OpenAI / AI API Provider: For generating AI insights. See our Privacy Policy for details on data handling.
• Apple iCloud / Google Drive: For optional end-to-end encrypted cloud backups. You are subject to Apple's and Google's respective terms of service for these platforms.

We are not responsible for the practices or policies of third-party services. You use them at your own risk.

18. Export & Import Compliance

Stoxia uses encryption technology. You agree to comply with all applicable export control laws and regulations when using the app. You may not use Stoxia in any country or jurisdiction where such use is prohibited by law.

19. Feedback & Suggestions

If you submit feedback, feature requests, or suggestions to Stoxia (via in-app forms or email), you grant us a perpetual, worldwide, royalty-free license to use, incorporate, and commercialize your feedback without any obligation to compensate you or provide attribution.

We welcome your input and will use it solely to improve the app.

20. Summary of Key Points

• You must be 18+ (or have parental consent) to use Stoxia.
• You own your journal entries; we only process them to provide the service.
• AI insights are educational only, not professional advice.
• Stoxia offers free features (unlimited morning reflections, 2 habit trackers) and premium subscriptions (monthly, annual with 7-day free trial, or lifetime).
• Subscriptions auto-renew unless cancelled 24 hours before renewal. Cancel anytime via platform settings.
• We may terminate access if you violate these Terms.
• The app is provided "as is" with no warranties.
• Contact us at stoxia.app@gmail.com for questions.