Paycle

Article 1. Purpose

These Terms govern the use of Paycle ("the App"), provided by TezStudio ("the Studio"), including the conditions and procedures of use and the rights, obligations, and responsibilities between users and the operator.

Article 2. Definitions

• App: the Paycle iOS / Android mobile application
• User: any person who downloads, launches, and uses the App
• Subscription entry: a record a user adds to the App representing a third-party service subscription (such as Netflix, YouTube Premium, ChatGPT, or Spotify). It does not refer to any paid subscription to the App itself (see Article 6).

Article 3. Service Description

• Monthly and annual totals of the third-party subscription entries you add, shown at a glance on the home screen
• Local push notifications 3 days before, 1 day before, and on the payment day (each toggled individually in Settings)
• 200+ built-in service presets for fast entry
• Spending analysis and statistics by category

Article 4. Access

The App can be used immediately without sign-up or sign-in. Subscription entries you add are stored only on your device and are never transmitted to the Studio's servers. Anonymous usage statistics for service improvement and advertising are processed in accordance with the Privacy Policy.

Article 5. Pricing and Payment

The App and all its features are provided free of charge, and the Studio does not bill users directly for anything. There are no paid subscriptions, in-app purchases, or ad-removal products. The Service is operated through advertising revenue described in Article 7.

Article 6. Meaning of "Subscription" in this Service

In this Service, "subscription" refers to third-party service subscriptions (such as Netflix, YouTube Premium, ChatGPT, or Spotify) that users record and manage. It does not refer to any paid subscription to the App itself. Contracts, payments, cancellations, and refunds for third-party services are strictly between the user and the respective service provider; the Studio is not involved.

Article 7. Advertising

• The App displays Google Mobile Ads (AdMob) provided by Google LLC — banner, interstitial, and native formats.
• For details on ad operations and anonymous analytics (Firebase Analytics), see the Privacy Policy.
• Free-text input such as the service names of your subscription entries is never sent as analytics event parameters.

Article 8. User Content Rights

All content you add to the App — subscription entries, notes, settings — belongs to you and is stored only on your device. The Studio does not access it.

Article 9. Prohibited Conduct

• Reverse engineering, decompiling, or modifying the App's source code or components
• Abusing or accessing features through automated means
• Entering or sharing another person's payment information or sensitive data without authorization
• Any conduct that violates applicable laws or public order and morals

Article 10. Apple's Standard EULA (iOS)

When the App is used on iOS, Apple's Licensed Application End User License Agreement (the standard EULA, part of Apple Media Services Terms) applies together with these Terms. If these Terms conflict with Apple's standard EULA, Apple's standard EULA shall prevail.

Article 11. Service Changes and Discontinuation

The Studio may modify or discontinue all or part of the Service for operational or technical reasons. Material changes will be notified in advance via the App or this page. Ads may become temporarily unavailable due to the ad provider's circumstances.

Article 12. Disclaimer and Limitation of Liability

The Service is provided "as is." You are responsible for the accuracy, completeness, and currency of the subscription data you enter. The Studio is not liable for:

• Missed or delayed payment-day notifications and any resulting financial loss (notifications are a convenience; the responsibility for actual payments remains with the user)
• Data loss caused by user-side factors such as insufficient device storage or loss of device
• Disputes relating to third-party services the user records or manages
• Damages arising from user negligence or force majeure

Article 13. Changes to These Terms

If these Terms change, notice will be provided via the App or this page at least 7 days before the effective date. Material changes affecting user rights will be notified at least 30 days in advance; continued use without explicit objection constitutes acceptance.

Article 14. Governing Law and Jurisdiction

These Terms are governed by the laws of the Republic of Korea. Disputes shall be subject to the exclusive jurisdiction of the court in the operator's domicile as the court of first instance.

Article 15. Contact

Email: supports@tez.kr