Effective Date: March 23, 2026 Last Updated: March 23, 2026
Please read these Terms of Service ("Terms") carefully before using Reach. By downloading, installing, or using the app, you agree to be bound by these Terms. If you do not agree, do not use the app.
1. Agreement
These Terms constitute a legally binding agreement between you and Kadeem Compton ("Developer," "we," "us," or "our") governing your use of the Reach mobile application ("App") on iOS and Android.
2. Description of Service
Reach is a personal financial tracking application. It allows you to:
Record and categorize income, expenses, and transfers
Manage multiple accounts and track balances
Create and monitor budgets and savings goals
Set up recurring transaction reminders
Import transactions from CSV and Excel files
Export your data in multiple formats
Enter transactions via voice input
Reach is NOT:
A bank, credit union, or financial institution
A payment processor or money transfer service
A financial advisor, planner, or tax consultant
Connected to your bank accounts or financial institutions
Reach is a record-keeping tool. It records what you tell it. It does not connect to external financial systems, process payments, or manage actual funds.
3. Eligibility
You must be at least 16 years old to use Reach. By using the App, you represent and warrant that you meet this age requirement. If you are between 16 and the age of majority in your jurisdiction, you confirm that you have the consent of a parent or legal guardian.
4. Your Data
No account required: Reach does not require you to create a user account. There is no sign-up, login, or authentication server.
Local storage: All financial data you enter is stored locally on your device. We do not have access to it.
Your responsibility: You are solely responsible for:
The accuracy of the data you enter
Maintaining the security of your device
Creating backups of your data using the App's backup feature
Safeguarding any exported files (CSV, Excel, JSON backups)
Data loss: We are not responsible for loss of data due to device failure, theft, app uninstallation, operating system updates, or any other cause. We strongly recommend creating regular backups.
Feedback feature: If you opt in to the feedback feature, you provide a name and email to create a profile on our feedback platform. This is governed by our Privacy Policy.
5. User Responsibilities
When using Reach, you agree to:
Use the App in compliance with all applicable laws and regulations
Not use the App for any unlawful purpose, including but not limited to money laundering, fraud, or tax evasion
Not attempt to reverse engineer, decompile, disassemble, or otherwise derive the source code of the App
Not attempt to interfere with or disrupt the App's functionality or associated infrastructure
Ensure the accuracy of data you enter (the App records information as you provide it)
When using the feedback feature, not post content that is abusive, defamatory, obscene, or otherwise objectionable
6. Intellectual Property
Our property: The App, including its design, code, graphics, icons, and documentation, is owned by the Developer and protected by intellectual property laws. All rights not expressly granted to you are reserved.
Your license: We grant you a limited, non-exclusive, non-transferable, revocable license to use the App for personal, non-commercial purposes on devices you own or control.
Your data: Financial data you enter into the App remains your property. We claim no ownership over your financial records, exports, or backups.
Restrictions: You may not copy, modify, distribute, sell, lease, sublicense, or create derivative works based on the App or any part of it.
7. Data and Privacy
Your use of the App is also governed by our Privacy Policy, which describes what data is collected, how it is used, and your rights. By using the App, you acknowledge that you have read and understood the Privacy Policy.
8. Disclaimers
PLEASE READ THIS SECTION CAREFULLY. IT LIMITS OUR LIABILITY TO YOU.
Not financial advice. Nothing in Reach constitutes financial, investment, tax, legal, or accounting advice. The App is a tracking and organizational tool only. Always consult qualified professionals before making financial decisions.
Not a financial institution. Reach does not hold, manage, transfer, or have access to your actual money. Balances shown in the App reflect only the data you have entered.
Accuracy depends on you. The accuracy of all records, balances, budgets, and projections in Reach depends entirely on the data you enter. We do not verify, validate, or audit your entries.
Voice recognition. Speech-to-text conversion may produce inaccurate transcriptions. You are responsible for reviewing and correcting all voice-entered transactions before confirming them.
Calculations are estimates. Budget calculations, savings projections, and cash flow analyses are estimates based on the data you provide. They should not be relied upon for critical financial decisions.
"AS IS" BASIS. THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.
9. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:
The Developer shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising out of or related to your use of the App.
This includes, without limitation: loss of data, loss of profits, financial loss from reliance on App data, device damage, or inability to use the App.
Our total aggregate liability for any claims arising from or related to these Terms or the App shall not exceed the amount you paid for the App (if any) in the twelve (12) months preceding the claim.
Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities. In such jurisdictions, our liability is limited to the greatest extent permitted by law.
Nothing in these Terms excludes or limits liability for: (a) fraud or fraudulent misrepresentation; (b) death or personal injury caused by negligence; or (c) any other liability that cannot be excluded by law.
10. Indemnification
You agree to indemnify, defend, and hold harmless the Developer from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising from:
Your use of the App
Your violation of these Terms
Your violation of any applicable law or regulation
Your violation of any third party's rights
Content you submit through the feedback feature
11. Termination
By you: You may stop using the App at any time by uninstalling it from your device. Your local data remains on your device until you delete it.
By us: We may terminate or suspend your access to the feedback feature if you violate these Terms.
Effect of termination: Upon termination, your license to use the App ceases. Sections that by their nature should survive termination will continue to apply, including: Disclaimers, Limitation of Liability, Indemnification, and Governing Law.
12. Changes to These Terms
We reserve the right to modify these Terms at any time. When we make material changes, we will update the "Last Updated" date at the top and may notify you through the App or our website. Your continued use of the App after changes are posted constitutes your acceptance of the updated Terms. If you disagree with updated Terms, you should discontinue use of the App.
13. Governing Law and Dispute Resolution
Governing law: These Terms shall be governed by and construed in accordance with the laws of Grenada, without regard to its conflict of law provisions.
Informal resolution: Before filing any formal legal claim, you agree to first contact us at [email protected] and attempt to resolve the dispute informally for at least 30 days.
Jurisdiction: If informal resolution is unsuccessful, any legal proceedings shall be brought in the courts of Grenada.
EU consumers: If you are a consumer in the European Union, nothing in this section affects your right to bring proceedings in the courts of your country of residence or to rely on mandatory consumer protection laws of your jurisdiction. You may also use the European Commission's Online Dispute Resolution platform at https://ec.europa.eu/consumers/odr.
14. General Provisions
Severability: If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.
Entire agreement: These Terms, together with the Privacy Policy, constitute the entire agreement between you and the Developer regarding your use of the App.
Waiver: Our failure to enforce any right or provision of these Terms shall not constitute a waiver of that right or provision.
Assignment: We may assign our rights and obligations under these Terms. You may not assign your rights or obligations without our prior written consent.
15. Contact Us
If you have questions or concerns about these Terms, please contact us: