Terms of Service

By downloading, installing, or using Payback Own ("the App"), you ("User," "you," or "your") agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the App. These Terms constitute a legally binding agreement between you and Mile High Interface LLC ("Company," "we," "our," or "us").

1.1 Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon posting of updated Terms in the App, notification via in-app message on next launch, or the updated "Last Updated" date at the top of this document. Your continued use of the App after changes constitutes acceptance of the modified Terms.

1.2 Additional Terms

Certain features may be subject to additional terms and conditions, which will be presented to you at the time of use.

2.1 What Payback Own Does

Ôwn (marketed as "Payback Own") is a privacy-first mobile application available on iOS and Android that:

• Processes Google Takeout (ZIP files) and Meta (Facebook/Instagram) export data
• Generates consumer personas and behavioral insights using AI
• Analyzes data against 135 unified targeting categories across 10 pillars
• Performs signal extraction locally on your device
• Uses Google Gemini 2.5 Pro AI via backend proxy during Instant Analysis
• Stores results in encrypted SQLite database on your device
• Supports resumable analysis via checkpoint system

2.2 What Payback Own Is NOT

• Not a Data Broker: We do not sell, share, or monetize your data
• Not a Social Network: We do not share data with other users
• Not a Cloud Service: We do not store your data on our servers
• Not Financial Advice: Insights are for informational purposes only
• Not a Guarantee: Results depend on the quality and completeness of your export data

2.3 Beta Software

The App is currently in beta and may contain bugs or incomplete features. We make no guarantees about accuracy of analysis results, compatibility with all devices, uninterrupted service availability, or fitness for any particular purpose.

3.1 Age Requirement

You must be at least 13 years old to use the App (or 16 in the European Economic Area). Users in India must be at least 18 years old to use the App without verified parental consent, in accordance with India's Digital Personal Data Protection Act, 2023 (DPDP Act). Users under 18 elsewhere should use the App with parental guidance.

3.2 Legal Capacity

You represent that you have the legal capacity to enter into these Terms in your jurisdiction.

3.3 Authorized Use

You may only analyze your own personal data. Analyzing data belonging to others without their consent may violate privacy laws.

4.1 Supported Sign-In Providers

Sign in with Apple. You can sign in with your Apple ID. Apple shares only a stable user identifier, your email (your real email or a relayed @privaterelay.appleid.com address, at your choice), and optionally your name on first sign-in. No passwords are stored by Payback.

Sign in with Google. To use features that require Google data, you must have a valid Google account and grant the App read-only access to your Google Drive (drive.readonly scope) for Takeout imports. For Instant Analysis, additionally grant read-only Gmail (gmail.readonly) and Calendar (calendar.readonly) scopes — Gmail and Calendar signal extraction runs on-device; only the extracted behavioural signals are sent off-device for AI analysis. Authenticate via Google OAuth 2.0 (no passwords stored by Payback). Comply with Google's Terms of Service.

4.2 Account Security

You are responsible for:

• Maintaining the security of your device
• Protecting your Google account credentials
• Any activity that occurs through your authenticated session
• Revoking app access if device is lost or compromised

4.3 Session Management

The App automatically logs you out after 30 minutes of inactivity for security purposes. OAuth tokens are stored encrypted in iOS Keychain/Android Keystore.

5.1 Permitted Uses

You may use the App to:

• Analyze your own Google Takeout (ZIP files) and Meta export data (folders)
• Generate personal consumer personas and category insights
• View your analysis history and synthesized profile
• Export your persona data for personal use (if feature available)
• Share insights at your discretion (outside the App)
• Delete your data at any time

5.2 Prohibited Uses

You may NOT:

• Reverse engineer, decompile, or disassemble the App
• Analyze data belonging to others without explicit written consent
• Use the App for illegal purposes or to violate any laws
• Attempt to bypass security features or rate limits
• Use the App to harass, abuse, or harm others
• Upload malicious code or attempt to compromise the App
• Scrape or automate access to backend services
• Resell, redistribute, or commercialize the App or its outputs
• Remove or obscure any proprietary notices or labels
• Use the App in a way that violates third-party rights

5.3 Enforcement

We reserve the right to investigate violations of these Terms, suspend or terminate your access for violations, report illegal activity to law enforcement, and cooperate with legal investigations.

6.1 Ownership

Our Property: The App's source code, design, and algorithms are owned by Mile High Interface LLC. Payback name, logo, and branding are our trademarks. All rights not expressly granted are reserved.

Your Property: You retain all rights to your personal data. You own any insights or personas generated from your data. We claim no ownership over your data or analysis results.

6.2 License Grant

To You: We grant you a limited, non-exclusive, non-transferable, revocable license to use the App for personal, non-commercial purposes and to export and use your persona data as you see fit.

To Us: You grant us a limited license to process your data on-device to provide the service, send behavioral signals to AI services during Instant Analysis, and use anonymized, aggregated usage data to improve the App (if you opt in to telemetry).

6.3 Open Source Components

The App uses open source libraries subject to their respective licenses. See package.json for details.

7.1 Privacy Policy

Our collection, use, and protection of your data is governed by our Privacy Policy, which is incorporated into these Terms by reference.

7.2 Data Ownership

You retain complete ownership of your data. We do not claim any rights to your Google Takeout files, Meta export data, or generated personas or insights.

7.3 Data Deletion

You may delete all data at any time via Settings > Data Management > Delete All Data, or by uninstalling the App (which deletes all local data).

7.4 Third-Party Data Processing

When you use Instant Analysis:

• Gmail and Calendar behavioral signals are extracted on-device
• Signals are sent to our backend proxy server for AI persona generation
• Backend proxy authenticates your request via Google OAuth token verification
• Backend proxy forwards requests to Google Gemini AI with secure server-side API keys
• Backend applies per-user rate limiting (5 requests/minute)
• AI request contents are not intentionally persisted on our backend after request completion; account-linked data (profile, analytics, consent settings) may be retained — see the Privacy Policy for details
• Google's Gemini API Terms apply: ai.google.dev/gemini-api/terms
• Data is not retained or used for model training per Gemini API terms

8.1 Instant Analysis Feature

AI-powered persona generation runs automatically during Instant Analysis. The App uses:

• Model: Google Gemini 2.5 Pro
• Architecture: Backend proxy with OAuth verification
• Rate limiting: 5 requests per minute per user, 100 requests per 15 minutes per IP
• Failover: Dual API keys for high availability

AI only runs when you initiate Instant Analysis. You can view your generated persona in the app and delete it at any time (Settings > Data Management).

8.2 Accuracy Disclaimer

AI-generated personas and behavioral insights are:

• Approximations: Based on statistical patterns from Gmail and Calendar signals
• Not Guaranteed: May contain errors, inaccuracies, or biases inherent to AI models
• For Informational Use: Not professional advice of any kind
• Intent Scores: Categories include confidence/score ratings (1–10 scale)

8.3 No Reliance

You acknowledge that:

• You should not make important decisions based solely on AI insights
• Results depend on the quality, completeness, and representativeness of your input data
• Categories are targeting approximations used by digital advertisers, not psychological assessments
• We are not liable for decisions you make based on App outputs

9.1 Current Pricing

Payback is currently free to use. There are no subscription fees, in-app purchases, or hidden costs.

9.2 Future Pricing

We reserve the right to introduce paid features or subscriptions in the future, with at least 30 days' advance notice before charging for previously-free features. Grandfathering existing users into free tiers is at our discretion.

9.3 Third-Party Costs

You are responsible for internet/data charges from your carrier, Google account costs (if applicable), and device and operating system requirements.

10.1 "AS IS" Basis

10.2 No Professional Advice

The App does not provide financial advice or investment recommendations, medical or health advice, legal advice or opinions, or professional consulting of any kind. Consult appropriate professionals for advice in these areas.

10.3 Beta Software Risks

You acknowledge that the App is in beta and may have bugs or incomplete features. Updates may introduce new bugs or break existing functionality. Features may be added, changed, or removed without notice. We do not guarantee backward compatibility.

10.4 Third-Party Services

We are not responsible for Google's services (OAuth, Drive API, Gemini AI API), your Google account security or availability, changes to third-party APIs or terms, third-party service outages, backend hosting provider downtime (Railway), or Gemini API quota exhaustion or rate limiting.

11.1 Damages Waiver

11.2 Maximum Liability

In jurisdictions that do not allow exclusion of liability, our total liability to you shall not exceed the greater of (a) $100 USD, or (b) the amount you paid us in the 12 months preceding the claim (currently $0).

11.3 Exception

Nothing in these Terms shall limit liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any liability that cannot be excluded by law.

You agree to indemnify, defend, and hold harmless Mile High Interface LLC and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from your use or misuse of the App, your violation of these Terms, your violation of any laws or third-party rights, your data or content, or unauthorized access to your account or device.

13.1 Informal Resolution

Before filing a claim, you agree to contact us at hello@anappidea.llc, provide a detailed description of the dispute, and attempt to resolve the matter informally for 60 days.

13.2 Governing Law

These Terms shall be governed by the laws of Colorado, USA, excluding conflict of law principles. The UN Convention on Contracts for the International Sale of Goods does not apply.

13.3 Arbitration (U.S. Users)

If informal resolution fails, disputes shall be resolved by binding arbitration via the American Arbitration Association (AAA) Consumer Arbitration Rules, in Denver, Colorado, USA. We will pay arbitration fees for claims under $10,000.

13.4 Class Action Waiver

13.5 Small Claims Court

You may bring claims in small claims court if they qualify and are brought on an individual basis.

13.6 Exceptions

Intellectual property disputes, claims seeking injunctive relief, and claims that cannot be arbitrated by law may be brought in court without arbitration.

13.7 International Users — United Kingdom and India

United Kingdom: Nothing in these Terms limits your statutory rights as a UK consumer. UK users retain the right to bring claims in UK courts regardless of any arbitration or choice-of-law clause in these Terms.

India: Indian users may contact our Grievance Officer at hello@anappidea.llc (subject: DPDP Grievance – Ôwn) for dispute resolution under the DPDP Act. We will acknowledge within 48 hours and aim to resolve within 30 days. Disputes not resolved informally may be referred to India's Data Protection Board in accordance with the DPDP Act.

You agree to comply with all export and import laws of the United States, your country of residence, and any jurisdiction where the App is used. You may not use the App if you are located in a country subject to U.S. embargo or on any U.S. government list of prohibited or restricted parties.

If you are a U.S. government entity, the App is a "Commercial Item" as defined in FAR 2.101 and is licensed in accordance with these Terms.

16.1 Termination by You

You may stop using the App at any time by deleting all data (Settings > Data Management) or uninstalling the App from your device.

16.2 Termination by Us

We may suspend or terminate your access if you violate these Terms, engage in fraudulent or illegal activity, we discontinue the App (with 30 days' notice), or required by law or legal process.

16.3 Effect of Termination

Upon termination, your license to use the App ends immediately. You must delete the App from all devices. Sections 6 (Intellectual Property), 10 (Disclaimers), 11 (Limitation of Liability), 12 (Indemnification), and 13 (Dispute Resolution) survive termination.

16.4 Data After Termination

Because all data is stored locally on your device, we cannot remotely delete your data. You are responsible for deleting data before uninstalling. Uninstalling the App typically deletes all local data.

• 17.1 Entire Agreement: These Terms, together with the Privacy Policy, constitute the entire agreement between you and Mile High Interface LLC regarding the App.
• 17.2 Severability: If any provision of these Terms is found invalid or unenforceable, the remaining provisions remain in full force and effect.
• 17.3 No Waiver: Our failure to enforce any provision does not waive our right to enforce it later.
• 17.4 Assignment: You may not assign or transfer these Terms. We may assign these Terms to an affiliate or successor without your consent.
• 17.5 Force Majeure: We are not liable for delays or failures caused by circumstances beyond our reasonable control (e.g., natural disasters, war, pandemics, internet outages).
• 17.6 Notices: Notices to us should be sent to hello@anappidea.llc. Notices to you may be provided via in-app notifications, to the email address associated with your Google account, or by posting on our website.
• 17.7 Third-Party Beneficiaries: There are no third-party beneficiaries to these Terms.
• 17.8 Translations: These Terms are written in English. The English version governs in case of conflict.

19.1 Apple App Store

If you downloaded the App from the Apple App Store: Apple is not a party to these Terms and is not responsible for the App or its content. Apple has no obligation to provide support. You must comply with Apple's App Store Terms of Service. In case of conflict, Apple's terms prevail regarding your use of the App Store.

19.2 Google Play Store

If you downloaded the App from Google Play: Google is not a party to these Terms and is not responsible for the App or its content. You must comply with Google Play's Terms of Service. Data deletion requests: milehighinterface.com/payback/data-deletion.html

We plan to open-source Payback in the future to enable community security audits, transparency in data processing, and user trust and verification. Check github.com/demaceo/pbv2 for updates.