Terms of Use

01Agreement

These Terms of Use (“Terms”) are a contract between you and Acquah Technology LLC (“Acquah Technology,” “we,” “us”) and govern your use of acquahtech.com and our products, including CrushFi and StanClash (the “Services”). By using the Services you agree to these Terms and our Privacy Policy. If you do not agree, do not use them. Daama is operated by Daama LLC and has its own terms.

02Eligibility and accounts

You must be at least 13 years old (or older where your local law requires) and able to form a binding contract; some features, such as financial tools, require you to be 18 or older. You are responsible for the accuracy of your information, for keeping your credentials secure and for activity under your account. Tell us promptly of any unauthorized use.

03Not professional advice

AI and educational content. The Services, including AI-generated plans, coaching, planning and analyses, are for general information and personal use. They are not financial, investment, tax, legal, medical, or mental-health advice, and are not a substitute for a qualified professional. AI output can be wrong or incomplete; review it before relying on it.

CrushFi is not a bank, lender, credit counselor or financial advisor, and does not guarantee any outcome, savings or payoff date.

04Subscriptions and payments

Some features require a paid plan (for example, a CrushFi subscription). Prices and plan details are shown at purchase. Paid plans renew automatically each billing period until you cancel, and any free trial converts to a paid plan unless cancelled before it ends. You can cancel in the app or through the store where you subscribed; cancellation takes effect at the end of the current period. Except where required by law, fees are non-refundable and we do not provide partial-period refunds. Payments are processed by Stripe or the relevant app store. We may change prices with advance notice.

05Your content

You keep ownership of content you submit. You grant us a worldwide, non-exclusive, royalty-free license to host, process, display and transmit it solely to operate, secure and improve the Services and to provide features you request. You confirm you have the rights to what you submit and that it does not violate law or others’ rights. Content you post in community areas may be visible to other users.

06Acceptable use

You agree not to:

• break the law or infringe others’ rights;
• harass, threaten, defraud or impersonate anyone, or post hateful, sexual or exploitative content, especially involving minors;
• upload malware, probe or attack our systems, scrape the Services or bypass access limits;
• use the Services to build a competing product or train a model without our written permission;
• misuse bank-linking or payment features, or submit information that is not yours.

We may remove content and suspend or terminate accounts that violate these Terms.

07Our intellectual property

The Services, including software, design, text, logos and trademarks, belong to Acquah Technology or its licensors and are protected by law. We grant you a limited, revocable, non-transferable license to use the Services for personal or internal use under these Terms. Feedback you give us may be used without obligation to you.

08Third-party services

The Services rely on third parties such as Stripe, Plaid, Supabase, Vercel and Anthropic, and may link to third-party sites. We are not responsible for them, and your use of them may be subject to their terms.

09Termination

You may stop using the Services and delete your account at any time. We may suspend or end access if you violate these Terms, create risk or legal exposure, or if we discontinue a Service. Sections that by their nature should survive termination will survive.

10Disclaimers

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY OR UNINTERRUPTED OPERATION. SOME JURISDICTIONS DO NOT ALLOW CERTAIN DISCLAIMERS, SO PARTS OF THIS SECTION MAY NOT APPLY TO YOU.

11Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW, ACQUAH TECHNOLOGY AND ITS MEMBERS, OFFICERS AND CONTRACTORS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, DATA OR GOODWILL, ARISING FROM YOUR USE OF THE SERVICES. OUR TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM OR US$100.

12Indemnification

You agree to defend and indemnify Acquah Technology against claims, losses and expenses (including reasonable attorneys’ fees) arising from your content, your misuse of the Services or your violation of these Terms or the law.

13Governing law and disputes

These Terms are governed by the laws of the State of Georgia, USA, without regard to conflict-of-law rules. Any dispute will be brought exclusively in the state or federal courts located in Fulton County, Georgia, and you consent to their jurisdiction, except that either party may seek injunctive relief in any competent court. Before filing a claim, please contact us so we can try to resolve it informally.

14Changes and general terms

We may update these Terms and will post the new version with a new effective date; continued use after changes means you accept them. If any provision is unenforceable, the rest remains in effect. These Terms and the Privacy Policy are the entire agreement between you and us about the Services. You may not assign these Terms without our consent; we may assign them in a merger or sale.

15Contact