Terms of Use

1. Agreement

These Terms of Use ("Terms") are an agreement between you and CM Software Studio ("we", "us") for the ChurnPilot mobile app (the "App"). By downloading or using the App, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the App.

2. License

We grant you a personal, non-exclusive, non-transferable, revocable license to use the App on devices you own or control, as permitted by the usage rules of the app store you downloaded it from. You may not copy, modify, reverse engineer, resell or redistribute the App except where the law allows it despite this restriction.

3. Price and ChurnPilot Pro

The App is free to download, and manual tracking is free with no ads. ChurnPilot Pro is an optional paid upgrade that adds AutoTrack (section 6). It is offered as:

• Pro Monthly and Pro Annual: auto-renewing subscriptions;
• Pro Founders: a one-time purchase that unlocks Pro for as long as the App is offered, with no renewal.

Prices, the billing period and any free-trial or introductory offer are shown in the App and on the store's purchase screen before you buy, in your local currency, and may vary by country.

Auto-renewal. Payment is charged to your Apple Account or Google Play account when you confirm the purchase. Subscriptions renew automatically unless cancelled under your store's rules. The purchase screen shows the billing period, price and any offer before you buy. Manage or cancel your subscription in your App Store or Google Play account settings (the App links there), before the renewal deadline shown by that store. Apple advises cancelling a free or discounted trial at least 24 hours before it ends. Cancelling stops future renewals; Pro normally stays active until the end of the paid period, unless the purchase is refunded or revoked.

Refunds are processed through the store where you purchased, under its applicable policies and consumer law. For Apple purchases, request a refund from Apple. For Google Play purchases, use Google Play's refund process or contact us for help with your order. Use Restore purchases in the App to reinstate Pro on a new device with the same store account.

If paid Pro access ends, AutoTrack stops syncing. Cancelling a renewal alone does not end the remaining paid period. Your records, including history already imported, stay on your device, and manual tracking keeps working.

SimpleFIN is billed separately. AutoTrack requires your own SimpleFIN Bridge account, which SimpleFIN sells and bills under its own terms. ChurnPilot Pro does not include or pay for it.

4. Not financial, legal or tax advice

The App helps you organize information you enter. Eligibility checks (such as issuer application rules), bonus values, point valuations, timelines, simulations, earnings and tax estimates are general estimates based on your records and on publicly reported rules that change often and may be incomplete or out of date.

• They do not guarantee approval, bonus eligibility, bonus payment, credit outcomes or tax results.
• Card issuers and banks decide approvals and bonuses under their current offer terms.
• Always check the current terms of any offer, and consult a qualified professional for tax or financial decisions.

Applying for credit can affect your credit score. You are responsible for your own financial decisions.

5. Your data and backups

The App stores your records on your device and does not upload them to CM Software Studio. We do not have a copy and cannot recover them. On iOS, enabled iCloud or computer device backups may include app data, as described in the Privacy Policy. Uninstalling the App, clearing its storage, losing your device or using "Delete all tracking data" can permanently remove your local records. Deleting local records does not delete files you exported or backups held elsewhere. You are responsible for exporting and safely storing backups, and for the security of any file you export or share.

Do not enter full card numbers, account numbers, passwords or login credentials into the App. (AutoTrack's SimpleFIN setup token is the one exception: it is exchanged for a read-only access credential that is kept only in your device's secure storage.)

Transactions imported by AutoTrack are matched to your cards and bank accounts automatically. Matches and suggested conclusions (for example, that a bonus posted or a direct deposit counted) can be wrong, and bank data can be late, incomplete or changed later. Review imported entries and suggestions before relying on them.

6. Third-party services, including SimpleFIN

AutoTrack is an optional, user-initiated, read-only connection from your device directly to your own SimpleFIN Bridge account. SimpleFIN is an independent service; your relationship with it, its availability, its fees and how it obtains data from your banks are governed by SimpleFIN's terms and privacy policy. We run no server for AutoTrack and receive none of your data. You can disconnect in the App at any time and revoke access in your SimpleFIN account.

The App may open links to third-party websites, and its optional AI import helper lets you copy a prompt to use with an AI service of your choice. We do not control third-party services and are not responsible for their content, availability or privacy practices. Your use of them is at your own discretion and subject to their terms.

7. Trademarks

Card issuer, bank, airline, hotel and rewards program names and logos belong to their respective owners. They are used only to identify the accounts you track. ChurnPilot is not affiliated with, endorsed by or sponsored by any of them.

8. Acceptable use

Use the App only for lawful, personal record-keeping. Do not use it to commit fraud, to misrepresent information to a financial institution, or to violate any issuer's or bank's terms.

9. Updates and availability

We may update, change or discontinue features. Updates may be required to keep using the App. We try to keep the App working, but we do not promise it will be uninterrupted or error-free.

10. Disclaimer of warranties

To the fullest extent permitted by law, the App is provided "as is" and "as available", without warranties of any kind, whether express or implied, including warranties of merchantability, fitness for a particular purpose, accuracy and non-infringement.

11. Limitation of liability

To the fullest extent permitted by law, we will not be liable for any indirect, incidental, special, consequential or punitive damages, or for any loss of data, profits, bonuses, rewards, credit standing or fees, arising from your use of or inability to use the App. Our total liability for any claim relating to the App will not exceed the amount, if any, you paid us for the App in the twelve months before the claim.

Some jurisdictions do not allow these exclusions or limits, so they may not fully apply to you. Nothing in these Terms limits rights you have under consumer protection laws that cannot be waived.

12. Apple App Store terms

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

1. These Terms are between you and us, not Apple. We, not Apple, are solely responsible for the App and its content.
2. Apple has no obligation to provide maintenance or support services for the App.
3. If the App fails to conform to an applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any). To the maximum extent permitted by law, Apple has no other warranty obligation for the App.
4. Apple is not responsible for addressing any claims by you or a third party relating to the App, including product liability claims, claims that the App fails to meet legal or regulatory requirements, and consumer protection or privacy claims.
5. Apple is not responsible for the investigation, defense, settlement or discharge of any third-party claim that the App infringes intellectual property rights.
6. You represent that you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and that you are not on any U.S. Government list of prohibited or restricted parties.
7. You must comply with applicable third-party terms when using the App.
8. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.

13. Termination

You may stop using the App at any time by uninstalling it. Your license ends automatically if you breach these Terms.

14. Governing law

These Terms are governed by the laws of the Commonwealth of Kentucky, United States, without regard to its conflict-of-law rules, except where local consumer law requires otherwise.

15. Changes to these Terms

We may update these Terms. We will post the new version on this page with a new effective date. Continuing to use the App after a change means you accept the updated Terms.

16. Contact

CM Software Studio
Email: cmsoftwarestudio@gmail.com