Terms of Service

Last updated: April 2026

These Terms of Service ("Terms") govern your use of the Earn It! mobile application ("App", "Service"), operated by Markus Mikola, sole proprietor, Turku, Finland ("we", "us", "our").

By creating an account or using the App, you agree to these Terms. If you do not agree, do not use the App.

1. Service Description

Earn It! is a family chore tracking and motivation tool. The App allows families to:

  • Track household chores completed by children
  • Set configurable earning rules for chores
  • Visualize savings progress toward goals chosen by the family
  • Log bonus activities (such as reading books)

The App is a tracking and motivation tool only. It does not hold, transfer, manage, or facilitate the movement of real money. All "earnings" displayed in the App are virtual calculations based on chore completion and family-configured rules. Any actual payment from parent to child is made entirely outside the App, at the family's sole discretion.

The App does not provide financial services, banking services, investment advice, financial education, or any form of financial intermediation. It is not regulated as a financial product or payment service.

2. Account and Family Model

2.1 Account Creation

One account is created per family using an email address and password. The person who creates the account ("Account Holder") is responsible for all activity under that account, including activity by other family members who access the App through the shared login.

2.2 Shared Access

The App uses a shared family account model. All family members (parents and children) access the App using the same login credentials. Individual profiles within the App are separated by an optional PIN, but this does not create separate accounts.

2.3 Account Holder Responsibility

The Account Holder:

  • Must be at least 18 years of age (or the age of majority in their jurisdiction)
  • Is responsible for maintaining the confidentiality of the account credentials
  • Is responsible for all activity that occurs under the account
  • Is responsible for ensuring that the use of the App by children in their family is appropriate and supervised as they see fit
  • Agrees to these Terms on behalf of all family members who use the App

2.4 Accuracy of Information

You agree to provide accurate and complete information when creating your account. We are not responsible for any issues arising from inaccurate account information.

3. Children's Use

3.1 Parental Responsibility

The App is designed for family use where parents create and manage the account, and children use the App under parental oversight. Parents are solely responsible for:

  • Deciding whether the App is appropriate for their children
  • Supervising their children's use of the App as they see fit
  • Any chore arrangements, earning rules, or payment agreements made with their children
  • The accuracy and appropriateness of content entered into the App (chore names, goal names, book titles, etc.)

3.2 No Direct Relationship with Children

We do not have a direct contractual relationship with children who use the App. The Account Holder (parent) is our contracting party. Our data processing practices for children's data are described in our Privacy Policy.

3.3 Age Requirements

The Account Holder must be at least 18 years old. Children may use the App only through a family account created and managed by a parent or legal guardian.

4. Subscriptions and Payments

4.1 Subscription Plans

The App offers paid subscription plans. Prices are displayed in the App and on the applicable app store listing. All prices are inclusive of applicable taxes unless stated otherwise.

4.2 Payment Processing

All payments are processed by Apple through the App Store. We do not collect, process, or store any payment information (credit card numbers, bank details, etc.). Payment terms, refund policies, and billing practices are governed by Apple's terms and policies.

4.3 Auto-Renewal

Subscriptions automatically renew at the end of each billing period unless cancelled at least 24 hours before the end of the current period. You can manage and cancel your subscription through your Apple ID account settings.

4.4 Free Trial

We may offer a free trial period. If a trial is offered, full access to the App is provided during the trial at no charge. After the trial period ends, the App reverts to read-only mode until a subscription is purchased. No payment information is required to start a trial.

4.5 Price Changes

We reserve the right to change subscription prices. Any price change will apply to the next billing cycle after the change is announced. Continued use of the App after a price change constitutes acceptance of the new price.

4.6 Refunds

Refund requests must be directed to Apple in accordance with Apple's refund policies. We do not process refunds directly.

5. Acceptable Use

5.1 You agree to:

  • Use the App only for its intended purpose as a family chore tracking and motivation tool
  • Provide accurate information in your account and within the App
  • Comply with all applicable laws and regulations

5.2 You agree not to:

  • Use the App for any unlawful purpose
  • Attempt to gain unauthorized access to the App, its servers, or related systems
  • Reverse engineer, decompile, or disassemble any part of the App
  • Use the App to store or transmit malicious code
  • Interfere with or disrupt the App or its infrastructure
  • Use the App in any way that could harm minors
  • Create multiple accounts for the same family to circumvent subscription requirements
  • Use automated systems or bots to access the App

6. User Content

6.1 Your Content

You retain ownership of all content you enter into the App (family name, profile names, chore names, goal names, book titles, etc.). By entering content into the App, you grant us a limited license to store and display that content solely for the purpose of providing the Service to you.

6.2 Content Responsibility

You are solely responsible for all content entered into the App. We do not monitor, review, or moderate user content. The App is designed for private family use, and content is not shared with other users or the public.

6.3 No Objectionable Content

You agree not to enter content that is illegal, harmful, threatening, abusive, defamatory, or otherwise objectionable. We reserve the right to remove content or terminate accounts that violate these Terms.

7. Intellectual Property

7.1 Our Rights

The App, including its design, code, graphics, animations, text, and all other elements, is owned by us or our licensors and is protected by copyright and other intellectual property laws. These Terms do not grant you any rights to our intellectual property except the limited right to use the App as described herein.

7.2 Feedback

If you provide feedback, suggestions, or ideas about the App, you grant us an unrestricted, irrevocable, worldwide, royalty-free license to use, modify, and incorporate that feedback into the App without any obligation to you.

8. Virtual Earnings Disclaimer

8.1 No Real Money

All "earnings", "savings", "amounts", "balances", and similar figures displayed in the App are virtual calculations only. They represent the output of a configurable formula applied to logged chore and activity entries. These figures do not represent real currency, stored value, account balances, debts, obligations, or promises of payment.

8.2 No Payment Obligation

The App does not create, imply, or enforce any obligation for any person to pay any amount to any other person. Any arrangement between parents and children regarding chores, allowances, or payments is entirely outside the scope of the App and is the sole responsibility of the family.

8.3 No Financial Product

The App is not a bank account, digital wallet, payment service, savings account, investment product, or any other financial product or service. It is a tracking and visualization tool.

8.4 Currency Display

The App displays amounts in the currency selected by the family. This is for display convenience only and does not imply that we hold, manage, or transact in any currency.

9. Disclaimer of Warranties

9.1 "As Is" Basis

THE APP IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR COURSE OF PERFORMANCE.

9.2 No Guarantee of Availability

We do not warrant that the App will be available at all times, uninterrupted, secure, or error-free. The App may be temporarily unavailable due to maintenance, updates, server issues, or circumstances beyond our control.

9.3 No Guarantee of Accuracy

We do not warrant that calculations, data displays, or any information shown in the App will be accurate, complete, or current. While we make reasonable efforts to ensure correct functionality, software may contain bugs or errors.

9.4 No Guarantee of Data Preservation

While we take reasonable measures to protect your data, we do not guarantee that data will not be lost, corrupted, or become unavailable. You are responsible for maintaining your own records outside the App if needed. We strongly recommend that families keep their own independent records of any arrangements made.

9.5 Third-Party Services

The App relies on third-party services (including but not limited to cloud hosting, authentication services, and app store platforms). We are not responsible for the availability, performance, or policies of third-party services.

10. Limitation of Liability

10.1 Maximum Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATED TO THE APP OR THESE TERMS SHALL NOT EXCEED THE TOTAL AMOUNT YOU HAVE PAID US IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

10.2 Exclusion of Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE SHALL NOT BE LIABLE FOR ANY:

  • Indirect, incidental, special, consequential, or punitive damages
  • Loss of profits, revenue, data, or business opportunities
  • Loss of or inaccuracy in data stored in or calculated by the App
  • Damages arising from any family arrangements or disputes related to chores, allowances, or payments
  • Damages arising from unauthorized access to your account
  • Damages arising from interruption, suspension, or termination of the Service
  • Damages arising from third-party services or platforms
  • Damages arising from circumstances beyond our reasonable control

10.3 Essential Purpose

These limitations apply regardless of the legal theory (contract, tort, negligence, strict liability, or otherwise) and even if we have been advised of the possibility of such damages. Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above limitations may not apply to you. In such cases, our liability will be limited to the greatest extent permitted by applicable law.

11. Indemnification

You agree to indemnify, defend, and hold harmless us, our affiliates, and our respective officers, directors, employees, and agents from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from or related to:

  • Your use of the App
  • Your violation of these Terms
  • Your violation of any applicable law or regulation
  • Any content you enter into the App
  • Any dispute between you and other family members regarding chores, allowances, or payments
  • Any claim by a third party arising from your use of the App

12. Modifications to the Service

12.1 Changes to the App

We reserve the right to modify, update, suspend, or discontinue the App or any part of it at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of the App.

12.2 Changes to These Terms

We may update these Terms from time to time. The updated version will be indicated by an updated "Last updated" date. Your continued use of the App after any changes constitutes acceptance of the revised Terms. If we make material changes, we will make reasonable efforts to notify you (such as through the App or by email).

13. Termination

13.1 By You

You may stop using the App at any time. You may delete your account through the App's settings, which will permanently delete all your family's data as described in our Privacy Policy. Subscription cancellation is managed through your Apple ID account settings.

13.2 By Us

We may suspend or terminate your access to the App at any time, for any reason, including but not limited to violation of these Terms. Upon termination, your right to use the App ceases immediately.

13.3 Effect of Termination

Upon termination, all provisions of these Terms that by their nature should survive (including but not limited to Sections 8, 9, 10, 11, and 14) shall survive termination.

14. Governing Law and Disputes

14.1 Governing Law

These Terms are governed by and construed in accordance with the laws of Finland, without regard to conflict of law principles.

14.2 Jurisdiction

Any disputes arising from or related to these Terms or the App shall be resolved in the courts of Turku, Finland.

14.3 EU Consumer Rights

If you are a consumer in the European Union, nothing in these Terms affects your statutory rights under applicable EU consumer protection legislation, including Directive 2011/83/EU on consumer rights. These statutory rights take precedence over any conflicting provision in these Terms.

14.4 European Online Dispute Resolution

If you are a consumer in the European Union, you may use the European Commission's Online Dispute Resolution platform at https://ec.europa.eu/consumers/odr/ to resolve disputes.

15. General Provisions

15.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and us regarding the App. They supersede any prior agreements or communications.

15.2 Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions shall continue in full force and effect. The unenforceable provision shall be modified to the minimum extent necessary to make it enforceable while preserving its intent.

15.3 No Waiver

Our failure to enforce any provision of these Terms shall not be considered a waiver of that provision or any other provision. A waiver of any provision shall only be effective if made in writing.

15.4 Assignment

You may not assign or transfer your rights under these Terms without our prior written consent. We may assign our rights and obligations under these Terms without restriction.

15.5 Force Majeure

We shall not be liable for any failure to perform our obligations under these Terms if such failure results from circumstances beyond our reasonable control, including but not limited to natural disasters, war, terrorism, pandemics, government actions, power failures, internet disruptions, or third-party service outages.

15.6 No Third-Party Beneficiaries

These Terms do not create any third-party beneficiary rights. Children who use the App through a family account are not third-party beneficiaries of these Terms.

16. Contact

If you have any questions about these Terms, contact us at:

Email: support@earnitfamily.app

These Terms of Service are available in English and Finnish. In case of any discrepancy between the language versions, the English version shall prevail.