Terms of Use (EULA)

1. Agreement to Terms

This End User License Agreement ("EULA" or "Terms") is a binding legal agreement between you and PepPal ("we," "our," or "us") governing your use of the PepPal mobile application and related services (collectively, the "App").

By downloading, installing, or using the App, you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the App.

2. Eligibility

You must be at least 18 years old to use the App. By using PepPal you represent and warrant that:

• You are at least 18 years old.
• You have the legal capacity to enter into these Terms.
• You are not barred from using the App under applicable law.
• You will use the App only for lawful research and educational purposes.

3. Educational and Research Use Only

PepPal is provided strictly as an educational and research reference tool. The App does not:

• Provide medical, pharmaceutical, or healthcare advice.
• Diagnose, treat, cure, or prevent any disease or condition.
• Recommend, endorse, or encourage the purchase, possession, or use of any peptide, compound, or substance.
• Replace consultation with a licensed healthcare professional.

All content, including AI-generated responses, dosing information, protocols, and recommendations, is for informational purposes only. You assume full responsibility for any decisions or actions you take based on the App's content.

4. License Grant

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to download, install, and use the App on devices you own or control, solely for your personal, non-commercial use.

5. Restrictions on Use

You agree not to:

• Copy, modify, distribute, sell, lease, or sublicense any part of the App.
• Reverse engineer, decompile, or attempt to derive the source code of the App.
• Use the App to create a competing product or service.
• Use the App in any unlawful manner or for any unlawful purpose.
• Submit, post, or transmit any content that is illegal, defamatory, harassing, threatening, hateful, sexually explicit, or otherwise objectionable.
• Use the App to solicit, distribute, or facilitate the purchase of controlled substances or unapproved drugs.
• Impersonate any person or entity, or misrepresent your affiliation with any person or entity.
• Interfere with, disrupt, or attempt to gain unauthorized access to the App, its servers, or other users' accounts.
• Use any automated means (bots, scrapers, crawlers) to access or collect data from the App.

6. User-Generated Content and Objectionable Content Policy

The App allows you to submit user-generated content, including chat messages, journal entries, research notes, and feedback ("User Content"). You retain ownership of your User Content but grant us a worldwide, non-exclusive, royalty-free license to use, store, and process it solely as needed to operate the App.

Zero-Tolerance Policy. We have zero tolerance for objectionable content or abusive behavior. Objectionable content includes but is not limited to:

• Content that is illegal, harmful, threatening, abusive, harassing, defamatory, or hateful.
• Sexually explicit, pornographic, or violent material.
• Content that promotes self-harm, suicide, eating disorders, or dangerous activities.
• Content that promotes discrimination based on race, ethnicity, religion, gender, sexual orientation, disability, or other protected characteristics.
• Spam, phishing, malware, or fraudulent content.
• Content that violates the intellectual property or privacy rights of others.

Reporting and Action. You may report objectionable content or abusive users by emailing info@peppal.io. We will review all reports and take action within 24 hours, including removing content and ejecting abusive users from the App. We reserve the right to suspend or terminate accounts that violate this policy without prior notice.

7. Subscriptions, Payments, and Auto-Renewal

The App offers auto-renewing subscriptions ("Subscriptions") through the Apple App Store. By purchasing a Subscription:

• Payment will be charged to your Apple ID account at confirmation of purchase.
• Your Subscription automatically renews unless auto-renew is turned off at least 24 hours before the end of the current period.
• Your account will be charged for renewal within 24 hours prior to the end of the current period at the rate of the selected plan.
• You can manage and cancel your Subscription by going to your Apple ID Account Settings after purchase.
• Any unused portion of a free trial period will be forfeited when you purchase a Subscription, where applicable.

Current Subscription tiers and pricing are displayed within the App and on our membership page. Prices may change with notice.

8. Refunds

All Subscription purchases made through the Apple App Store are subject to Apple's refund policies. To request a refund, contact Apple directly at https://support.apple.com/en-us/HT204084. We do not have the ability to issue refunds for App Store purchases.

9. Intellectual Property

The App, including all content, features, design, graphics, text, code, and trademarks, is owned by PepPal or its licensors and is protected by copyright, trademark, and other intellectual property laws. No rights are granted to you other than the limited license expressly described in Section 4.

10. 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, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS. WE DO NOT WARRANT THE ACCURACY, COMPLETENESS, OR RELIABILITY OF ANY CONTENT WITHIN THE APP, INCLUDING AI-GENERATED RESPONSES.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT SHALL PEPPAL, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OF THE APP.

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE APP SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR FIFTY US DOLLARS ($50), WHICHEVER IS GREATER.

12. Indemnification

You agree to indemnify, defend, and hold harmless PepPal and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with your use of the App, your User Content, or your violation of these Terms.

13. Termination

We may suspend or terminate your access to the App at any time, with or without notice, for any reason, including violation of these Terms. Upon termination, your right to use the App will immediately cease. Sections that by their nature should survive termination (including ownership, disclaimers, limitations of liability, and dispute resolution) will survive.

You may terminate your account at any time by deleting it from the Account section of the App or by contacting us at info@peppal.io.

14. Governing Law and Dispute Resolution

These Terms are governed by the laws of the United States and the State of Delaware, without regard to conflict of law principles. Any dispute arising out of or relating to these Terms or the App shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association, except that either party may seek injunctive relief in a court of competent jurisdiction.

You waive any right to participate in a class action or class arbitration against us.

15. Apple App Store Additional Terms

If you downloaded the App from the Apple App Store, you acknowledge and agree that:

• These Terms are between you and PepPal only, not with Apple. Apple is not responsible for the App or its content.
• The license granted is limited to use on Apple-branded devices that you own or control, as permitted by the App Store Terms of Service.
• Apple has no obligation to provide maintenance or support for the App.
• 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; to the maximum extent permitted by law, Apple has no other warranty obligation.
• Apple is not responsible for addressing any claims by you or any third party relating to the App, including product liability claims, claims that the App fails to conform to legal requirements, and claims arising under consumer protection or similar legislation.
• In the event of any third-party claim that the App or your use infringes intellectual property rights, Apple is not responsible for the investigation, defense, settlement, or discharge of the claim.
• You represent that you are not located in a country subject to a US Government embargo or designated as a "terrorist supporting" country, and you are not on any US Government list of prohibited or restricted parties.
• Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

16. Changes to These Terms

We may update these Terms from time to time. Material changes will be communicated by updating the "Last Updated" date and, where appropriate, by in-app notice. Your continued use of the App after changes constitutes acceptance of the updated Terms.

17. Severability

If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

18. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and PepPal regarding the App and supersede all prior agreements and understandings.

19. Contact Us

For questions about these Terms or to report objectionable content or abusive users, contact us at:

Email: info@peppal.io