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ARIA — Terms of Use (End-User License Agreement)

Last updated: 30 July 2026 Effective date: 30 July 2026

These Terms of Use (“Terms”) are a binding agreement between you and Boris Alexander Legkow Orias, an individual developer operating as a sole trader under the business name Estuaire Studio (“we”, “us”, “our”, “the developer”), governing your use of the ARIA iPhone app and related services (“ARIA” or “the app”). By downloading, installing, or using ARIA, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the app.

Contact: Estuaire Studio · hello@estuaire.studio · https://estuaire.studio

1. What ARIA is — and what it is not

ARIA is a personal-finance, calendar, and task assistant. It helps you see your money, bills, subscriptions, schedule, and tasks in one place, and it surfaces patterns in your own data.

ARIA is an informational and organizational tool only. Read this carefully:

  • Not financial, investment, tax, or legal advice. Nothing ARIA shows you — including the Life Score, “safe-to-spend,” budgets, anomaly flags, or anything ARIA’s assistant says — is professional advice. ARIA does not know your full circumstances. Make important decisions with a qualified professional.
  • Not a bank, money transmitter, broker, or payment service. ARIA does not hold, send, receive, transfer, or move money, and it cannot make payments on your behalf. Bank connections (via Plaid) are read-only.
  • Information may be inaccurate. Data imported from your bank (via Plaid) or your calendar, and any AI-generated output, may be incomplete, delayed, or wrong. Always verify against your bank, biller, and official records before acting. You are solely responsible for your financial decisions.

2. Eligibility

You must be at least 16 years old (or 18 where required for forming a binding contract or for financial services in your jurisdiction) to use ARIA. By using ARIA you represent that you meet this requirement and that you are not barred from using the app under applicable law (including U.S. export and sanctions law — see Section 13).

3. Your account

Some features require an account, created with Sign in with Apple or an on-device session. You are responsible for keeping access to your device and account secure. You may also use ARIA in offline mode, where data stays on your device and no account is created on our backend. You may delete your account at any time in Settings (see Section 11).

4. License

Subject to these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to use one copy of ARIA on Apple-branded devices that you own or control, as permitted by the Apple Media Services Terms and Conditions (the “Usage Rules”). This license is governed by these Terms and, for the matters it covers, by Apple’s standard Licensed Application End User License Agreement. Where these Terms and Apple’s standard EULA conflict on a subject Apple’s EULA addresses, Apple’s standard EULA controls for that subject; otherwise these Terms govern.

You may not: copy (except as the app normally allows), modify, reverse-engineer, decompile, or disassemble the app; rent, lease, lend, sell, sublicense, or distribute it; remove proprietary notices; or use it to build a competing product, except where such restriction is prohibited by applicable law.

5. ARIA+ subscriptions and billing

ARIA offers an optional auto-renewing premium subscription, ARIA+.

  • Billing. If you subscribe, payment is charged to your Apple Account at confirmation of purchase. Prices are shown in the app before you buy and may vary by region, plan (e.g. monthly or annual), and promotion (including limited “founders” pricing).
  • “Founders” pricing. While founders spots remain, we offer a discounted price that we commit to keep for as long as you stay subscribed without a lapse (“locked for life”). If you cancel, you lose the founders price. If you later come back and subscribe again, you’ll be offered our then-current standard pricing, not founders pricing — even if founders spots happen to still be available at that time. The founders-pricing commitment holds unless Apple’s own subscriber price-increase process ever applies to your subscription — in which case Apple will separately ask for your consent to the new price, and you may always decline by cancelling, with no obligation to accept it.
  • Auto-renewal. Subscriptions renew automatically at the then-current price for the same period unless you cancel at least 24 hours before the current period ends. Your Apple Account is charged for renewal within 24 hours before the period ends.
  • Managing and cancelling. Manage or cancel anytime in Settings → your Apple Account → Subscriptions, or via the in-app link. Deleting the app does not cancel a subscription.
  • Free trial. New users get access to ARIA’s on-device trial features for 14 days from first launch, at no charge and with no payment method required. Live bank sync is not included in the trial and requires an active paid ARIA+ subscription from the first bank connection. The trial is run by the app itself, not by the App Store: there is nothing to buy, nothing to cancel, and nothing is ever charged when it ends. It does not auto-convert to a paid subscription — if you don’t subscribe before it ends, ARIA simply returns to the free tier, and your data is never deleted or hidden. Because the trial is once per device, ARIA keeps a start date in your device’s Keychain so it can’t be restarted by deleting and reinstalling the app (see the Privacy Policy, Sections 8 and 9). (If we ever also offer a card-based free trial through the App Store on a specific plan, any unused portion of that trial is forfeited upon purchase, and it converts to a paid subscription unless cancelled first — that would be a separate mechanism from the 14-day trial described above, and we do not offer one today.)
  • Refunds are handled by Apple under the App Store terms; we generally cannot issue refunds directly. Request refunds through Apple.
  • Subscription state is verified using RevenueCat and the App Store.

Quebec consumers. Because ARIA+ is a paid subscription sold at a distance to a Quebec consumer, the following apply, consistent with Quebec’s Consumer Protection Act:

  • Before you subscribe, we disclose the merchant (Estuaire Studio, operated by Boris Alexander Legkow Orias), a contact, a description of ARIA+, the total price in your currency, the billing period, and the cancellation/renewal terms — shown on the paywall and here.
  • You may cancel (resiliate) at any time, including during a term, through Settings → your Apple Account → Subscriptions.
  • A fixed term longer than 60 days renews into an indeterminate (open-ended) subscription you can cancel at any time — not into a new fixed term; where a pre-renewal notice is required by law for longer terms, we will provide it.
  • We will not change an essential element (such as the price or the nature of the service) without giving you at least 30 days’ notice and the right to refuse the change and cancel at no cost.
  • Nothing here removes a Quebec consumer’s rights under the Consumer Protection Act, which prevail over any conflicting term.

6. Third-party services

ARIA integrates optional third-party services that you choose to enable. Your use of them is also governed by their terms and privacy policies, and we are not responsible for them:

  • Plaid (bank connection) — read-only; Plaid’s terms and End User Privacy Policy apply.
  • Google (Calendar) — read-only; Google’s terms apply, and our use of Google data follows the Google API Services User Data Policy, including Limited Use (see Privacy Policy).
  • Apple (Sign in with Apple, Calendar, purchases, on-device intelligence).

If you disconnect a service, ARIA stops accessing it, but data already imported to your device remains until you delete it.

7. Acceptable use

You agree not to: use ARIA unlawfully or to violate others’ rights; attempt to access accounts, data, or systems that are not yours; probe, disrupt, or circumvent the security or rate limits of ARIA or its backend; or use automated means to extract data from the service. You are responsible for the data you put into ARIA and for ensuring you have the right to import it.

8. Intellectual property

ARIA, including its name, design, software, and content (excluding your data), is owned by the developer and protected by intellectual-property laws. These Terms grant you no rights in ARIA’s branding or code except the license in Section 4. Your data is yours — these Terms do not transfer ownership of your content to us.

9. Disclaimers

To the maximum extent permitted by law, ARIA is provided “AS IS” and “AS AVAILABLE,” without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, accuracy, and non-infringement. We do not warrant that the app will be uninterrupted, error-free, secure, or that any data, calculation, or AI output is accurate, complete, or current. You rely on ARIA at your own risk and remain responsible for verifying information and for your own financial decisions.

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above may not apply to you. Nothing in these Terms limits rights you have under mandatory consumer-protection law (including, in Quebec, the Consumer Protection Act, and, in the EU/UK, statutory conformity and warranty rights).

10. Limitation of liability

To the maximum extent permitted by law, the developer will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of profits, data, goodwill, or financial loss arising from decisions you make using the app, even if advised of the possibility. To the extent we are found liable, our total aggregate liability is limited to the greater of the amount you paid for ARIA in the 12 months before the claim or USD 50.

Nothing in these Terms excludes or limits liability that cannot be excluded by law (such as for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation).

11. Termination

You may stop using ARIA at any time and delete your account in Settings, which erases your account on our backend and every record on your device — including any export file ARIA wrote and its working caches — apart from the anti-bypass timestamps described in the Privacy Policy, Section 9. Exporting your data and deleting your account are always available and are never restricted by your subscription. Deleting your ARIA account does not cancel an ARIA+ subscription; Apple bills that, so cancel it in Settings → your Apple Account → Subscriptions. We may suspend or terminate access if you materially breach these Terms or use the app unlawfully. If we suspend or terminate your access, your locally stored data remains on your device (ARIA is local-first, backed by on-device storage) and you can still export or delete it there; we will delete your backend account data on request unless the law requires us to retain it. Sections that by their nature should survive (e.g. 8–10, 13–14) survive termination.

12. Changes to these Terms

We may update these Terms as the app evolves or the law changes. We will post the updated version with a new “Last updated” date and, for material changes, provide in-app notice. Continued use after an update means you accept the revised Terms.

13. Governing law, language, and disputes

These Terms are governed by the laws of the Province of Quebec and the federal laws of Canada applicable there, without regard to conflict-of-laws rules.

Your consumer rights are preserved. Nothing in these Terms limits any mandatory protection you have as a consumer under the law of your place of residence. In particular, if you are a consumer resident in Quebec: the Consumer Protection Act (CQLR, c. P-40.1) applies and prevails over any conflicting term; you may bring proceedings in the courts of Quebec; and nothing in these Terms requires you to arbitrate, to litigate outside Quebec, or to waive your right to start or join a class action.

Language (Quebec). A French version of these Terms and of our Privacy Policy is available. Based on your device’s region or language setting, ARIA presents the French version by default to users in Canada or with French set as their device language; viewing the English version instead requires a separate, deliberate action (a “View in English instead” control in the document itself), not a silent locale fallback. Une version française de ces conditions et de notre politique de confidentialité est disponible. Selon la région ou la langue de votre appareil, ARIA présente la version française par défaut aux utilisateurs au Canada ou dont l’appareil est réglé en français; consulter la version anglaise exige une action distincte et délibérée, et non un simple repli silencieux selon la langue de l’appareil.

Entire agreement. These Terms, together with our Privacy Policy, constitute the entire agreement between you and the developer regarding ARIA, and supersede all prior or contemporaneous agreements, representations, or understandings, whether written or oral, except as these Terms expressly state otherwise.

Force majeure. We are not liable for any failure or delay in performance caused by events beyond our reasonable control, including outages of third-party services we rely on (Apple, Plaid, RevenueCat, Cloudflare), natural disasters, internet or telecommunications failures, or government action.

You also agree to comply with all applicable export-control and sanctions laws. You represent that you are not located in, and will not use ARIA in, a country subject to a Canadian or U.S. Government embargo or sanctions, and that you are not on any applicable restricted-party list.

14. Apple-specific terms

This Section applies because you obtained ARIA from the Apple App Store. You and we acknowledge:

  1. These Terms are between you and the developer only, not with Apple. Apple is not responsible for ARIA or its content.
  2. Scope of license. Your license to use ARIA is limited to a non-transferable license to use it on Apple-branded products you own or control, per the Usage Rules in the Apple Media Services Terms and Conditions.
  3. Maintenance and support. The developer, not Apple, is solely responsible for any maintenance and support for ARIA. Apple has no obligation to provide any support.
  4. Warranty. The developer is solely responsible for any product warranties, whether or not effectively disclaimed. If ARIA fails to conform to any applicable warranty, you may notify Apple, and Apple may refund the purchase price (if any) for the app; to the maximum extent permitted by law, Apple has no other warranty obligation with respect to ARIA.
  5. Product claims. The developer, not Apple, is responsible for addressing any claims relating to ARIA, including product-liability, legal/regulatory compliance, and consumer-protection claims.
  6. Intellectual-property claims. The developer, not Apple, is responsible for investigating and defending any third-party claim that ARIA infringes intellectual-property rights.
  7. Legal compliance. You represent that you are not in an embargoed/restricted country or on a restricted-party list (see Section 13).
  8. Third-party beneficiary. Apple and its subsidiaries are third-party beneficiaries of these Terms and, upon your acceptance, have the right to enforce them against you.
  9. Developer contact for questions, complaints, or claims about ARIA: hello@estuaire.studio.

15. Contact

Estuaire Studio · hello@estuaire.studio · https://estuaire.studio Boris Alexander Legkow Orias · 1 rue Boucher, Port-Cartier, QC G5B 2T9, Canada

By using ARIA you confirm you have read and agree to these Terms and the Privacy Policy.