1. Acceptance of Terms

These Terms of Service ("Terms") are a legally binding agreement between you and PDG & Associates LLC, a Florida limited liability company ("Company," "we," "us," or "our"), governing your access to and use of the Selrey mobile application and all related features, content, and services (collectively, the "Service"). Selrey is a product of PDG & Associates LLC.

By downloading, installing, creating an account, or using the Service, you confirm that you have read these Terms, that you are at least 18 years old, and that you agree to be bound by these Terms and our Privacy Policy. If you do not agree, do not use the Service.

If you are using the Service on behalf of a business or other legal entity, you represent that you have the authority to bind that entity to these Terms.

2. Eligibility

Selrey is intended for and may be used only by persons who are at least 18 years of age. This requirement reflects both the contractual nature of these Terms and the nature of the financial services the Service connects to.

By using the Service you represent and warrant that: (a) you are at least 18 years of age; (b) you have the legal capacity to enter into a binding contract under the laws of your jurisdiction; (c) you are a resident of the United States; and (d) you are not prohibited from using the Service under applicable law.

The Service is currently available only to users located in the United States.

If you are using the Service to manage finances for a business, you additionally represent that you are authorized to act on behalf of that business, to connect its financial accounts, and to grant Selrey the access necessary to provide the Service.

We may verify eligibility at any time and may suspend or terminate accounts where eligibility requirements are not met. See Section 25 (Minors) for our policy on users who do not meet the age requirement.

3. Description of Services

Selrey is a financial management application providing the following features where available on your subscription plan:

• Personal and business financial transaction aggregation and display from connected bank, card, and loan accounts
• Spending organization, categorization, and cash-flow tracking
• Investment account visibility (balance display; no trading or advisory functions)
• Subscription and recurring-charge detection and management
• Financial reminders and alerts
• Tax-readiness organization: transaction categorization, missing-period detection, document organization
• CPA package and export to Google Drive for handoff to a tax professional
• AI-powered informational assistant for general financial education and data analysis

Tax document storage. When you use the Tax Center (CPA) feature, documents you capture or select are stored in your own connected cloud storage account (currently Google Drive is the implemented provider) — not on Selrey's servers. Selrey stores only document metadata and AI-extracted fields (merchant, amount, date, category) needed to provide the Tax Center features. Generated CPA export reports (CSV and PDF) may be temporarily stored in Selrey infrastructure to allow you to download or share them.

Selrey does not provide banking services, hold or transmit your funds, originate or service loans, execute investment trades, file tax returns, submit documents to the IRS or any tax authority, act as a tax preparer, or act as a licensed financial planner, investment advisor, or accountant. We are a software tool only.

We do not store your bank login credentials. Bank connectivity is provided through Plaid Technologies, Inc. ("Plaid") and is read-only.

Features and availability may vary by subscription plan and may change over time. See Section 16.

4. Account Registration and Security

To use the Service you must create an account with a valid email address. By creating an account, you confirm that you are at least 18 years of age.

You agree to provide accurate, current, and complete information during registration and to keep that information up to date. You are responsible for the security of your account credentials and for all activity under your account.

Notify us promptly at support@sapphirecore.net if you discover or suspect unauthorized access to your account. We are not liable for losses resulting from unauthorized access caused by your failure to keep your credentials secure.

We may disable your account if we reasonably believe you have violated these Terms.

5. Subscription Plans and Pricing

Access to the Service requires a paid subscription, billed exclusively through Apple In-App Purchase ("IAP"). Available plans:

• Personal Monthly: $14.99 per month
• Personal Annual: $179.00 per year
• Business Monthly: $24.99 per month
• Business Annual: $249.99 per year

Optional AI Add-on Packs (purchased separately, consumed until depleted):

• AI Pack — 100 AI messages: $2.99
• AI Pack — 200 AI messages: $4.99

The prices displayed by Apple at the time of purchase are the controlling prices. Apple determines any applicable taxes. All prices are in U.S. dollars.

No permanent free tier. Following the expiration of any trial period, continued access requires an active paid subscription.

Price changes. We may change subscription prices. Apple controls the subscription price-change notification and consent process. For price increases that exceed Apple's no-consent thresholds, Apple will notify affected subscribers and require their consent before applying the new price. For any subscription fee changes not managed through Apple's own notification flow, we will provide you between 7 and 30 days' advance notice through the app or by email to your account address, as required by California Business and Professions Code §17602(g).

AI message allocations. Each subscription plan includes a monthly allowance of AI messages (also called AI queries). The allowance resets once a month on the monthly anniversary of your original purchase date — for both monthly and annual plans — and unused messages do not carry over. Purchased AI Pack messages are used only after the included monthly allowance has been exhausted, persist until consumed, and are not forfeited by subscription renewal. If your subscription lapses, any remaining purchased AI Pack messages can still be used; a new included monthly allowance requires an active subscription. See Section 7 for more detail.

All billing is managed by Apple. Selrey does not store your payment card details. Purchases are subject to Apple's payment terms and App Store policies.

6. Bank Account Connectivity

Bank account connectivity is provided by Plaid Technologies, Inc. ("Plaid"). By connecting a financial account, you agree to Plaid's Terms of Use and End User Privacy Policy in addition to these Terms. Plaid requires that you be at least 18 years of age to use its services.

Read-only access. Selrey requests only read access to your transaction history, account balances, and related account information. We do not initiate transactions, move funds, or request write access to your accounts.

Your credentials. Your financial institution login credentials are entered directly through Plaid's interface and are never transmitted to or stored by Selrey.

You represent that you are authorized to connect each financial account you link through the Service — either as the account owner or as an authorized representative of a business whose account you are linking.

You may disconnect any linked bank at any time within the app (Settings → Connected → select the bank → Disconnect). Disconnecting revokes Plaid's access and permanently deletes from Selrey the accounts, balances, transaction history, and related records imported from that connection, in every workspace; this cannot be undone. Data held by Plaid itself is governed by Plaid's policies and can be managed through the Plaid Portal. See Section 12 for account-level deletion.

Selrey is not a financial institution and does not hold, transmit, or control your funds. The Service displays financial data for informational and organizational purposes only.

7. AI-Powered Features

The Service includes AI-powered features ("AI Features") — including an informational assistant, transaction analysis, and categorization tools — powered by large language models operated by Anthropic, PBC ("Anthropic").

AI outputs are informational only. AI Features provide general information and educational content. They do not constitute financial, investment, tax, legal, or professional advice. See Section 8.

AI accuracy. AI outputs may be incomplete, inaccurate, or out of date. Verify any AI-generated analysis before relying on it for decisions.

Your consent to AI processing. AI Features are optional and are off until you review the in-app AI disclosure and turn them on. You may turn AI Features off at any time from Settings. Turning AI Features off stops new requests from being sent to Anthropic; a request already in progress may complete. Turning AI Features off does not delete your existing chat history, AI memory, or document data stored in Selrey, and does not delete information already transmitted to Anthropic, which Anthropic retains and deletes under its own terms as described in Section 6 of our Privacy Policy. The remainder of the Service continues to work with AI Features off.

Message allocations and purchased packs. Your subscription plan includes a monthly allowance of AI messages. The allowance resets once a month on the monthly anniversary of your original purchase date — for both monthly and annual plans — and unused messages do not carry over. Separately, AI Pack messages you purchase are used after the included allowance is exhausted and persist until you use them; they are not forfeited at the end of a billing period or when your subscription renews. If your subscription lapses, remaining purchased AI Pack messages can still be used, but no new included allowance is granted until you resubscribe.

Data processing by Anthropic. When you use AI Features, your inputs and the AI's responses are processed by Anthropic. Under Anthropic's commercial terms: (a) Anthropic does not use your inputs or outputs to train its AI models; (b) Anthropic may process your data to deliver the AI service, maintain its quality and security, and fix technical issues; (c) Anthropic states that it deletes API inputs and outputs from its systems within 30 days of receipt by default, except where longer retention is required to enforce its usage policies or by law; and (d) on expiration or termination of our agreement, Anthropic will delete or return remaining customer data within 30 days. These are Anthropic's statements, not guarantees by Selrey, and Selrey cannot recall or delete data once it has been transmitted. You retain all rights to your inputs and own all AI-generated outputs you receive.

8. Financial, Investment, and Tax Guidance

Not financial advice. Selrey provides educational guidance and financial organization tools — not financial advice. All content, analysis, insights, categorizations, reports, and AI outputs are for informational and educational purposes only. Nothing in the Service constitutes a recommendation to buy or sell any investment, a financial plan tailored to your circumstances, or a guarantee of any financial outcome.

Not investment advice. Selrey does not provide investment advice, personalized investment recommendations, or portfolio management. Where the Service displays investment account balances or provides educational content about financial concepts, this is for informational purposes only and is general in nature. It does not take into account your individual risk tolerance, investment objectives, or financial situation. Always consult a licensed financial advisor before making investment decisions. Sections of the app containing investment-related educational content include an additional in-app disclosure to this effect.

Not tax advice. Selrey provides financial organization tools to help you compile and categorize your financial information for review by a licensed tax professional. The Service may help categorize transactions, identify data gaps, and generate reports or export packages. Selrey does not prepare or file tax returns, does not submit information to the IRS or any tax authority, does not act as a certified public accountant or tax preparer, and does not provide individualized tax advice. Users are responsible for verifying any tax-related information with a qualified professional.

Past financial patterns shown in the Service are not predictive of future results.

9. User Content and License

"User Content" means any data, notes, labels, tags, categories, or other information you provide to the Service beyond the financial data automatically imported from connected accounts.

You retain ownership of your User Content. By providing User Content you grant Selrey a limited, non-exclusive, royalty-free license to use, process, store, and transmit your User Content solely to the extent necessary to provide and maintain the Service for you.

This license does not permit us to use your User Content for advertising or to sell it to third parties. We will not use your personal financial data for purposes unrelated to delivering the Service as described in our Privacy Policy.

You represent that you own or have the right to provide any User Content you submit, and that doing so does not violate any third-party rights or law.

10. Prohibited Uses

You agree not to use the Service to:

• Violate any applicable federal, state, or local law or regulation
• Engage in fraud, money laundering, or other financial crimes
• Connect financial accounts you are not authorized to access
• Attempt to gain unauthorized access to any part of the Service or our systems
• Reverse engineer, decompile, or extract source code from the Service
• Scrape, crawl, or extract data using automated means not authorized by us
• Transmit malware, viruses, or other harmful code
• Impersonate any person or entity
• Circumvent technical measures we use to protect the Service
• Resell or sublicense access to the Service

Violation may result in suspension or termination of your account and, where appropriate, referral to law enforcement.

11. Third-Party Services

The Service connects to or relies on the following third-party services:

• Plaid Technologies, Inc. — read-only bank and financial account connectivity
• Anthropic, PBC — AI model inference for AI-powered features (see Section 7)
• Google LLC — Google Drive integration for Tax Center document storage and CPA export; currently the only supported cloud storage provider (limited to files created by the Service using your authorized drive.file scope)
• Apple Inc. — App Store distribution and In-App Purchase billing
• Telegram (Bot API) — internal operational alerts to the Selrey team when a new paid subscription starts, containing only a masked email or truncated account reference, plan name, purchase channel, and time (see Section 12.1 of our Privacy Policy)

Additional service providers that process personal data on our behalf (including infrastructure, email delivery, and error monitoring) are described in our Privacy Policy.

Your use of Plaid, Google, and Apple services is subject to their respective terms and privacy policies. We are not responsible for third-party service practices or availability.

12. Privacy and Data

Your use of the Service is governed by our Privacy Policy, incorporated by reference into these Terms. The Privacy Policy describes how we collect, use, store, and share your personal information, including financial transaction data.

Data deletion. You may delete your account and request deletion of your personal data at any time using the in-app account deletion feature or by contacting support@sapphirecore.net. We process deletion requests within the timeframe described in our Privacy Policy.

Retention after deletion. We may retain certain data after account deletion as required by law or for legitimate purposes such as fraud prevention. AI usage cost records associated with your account are anonymized when your account is deleted and are permanently deleted 90 days after that anonymization. Records of your acceptance of these Terms, the Privacy Policy, and the 18+ attestation are retained after deletion as evidence of acceptance. Deleted data may remain for a limited period in our database provider's encrypted backups. The Privacy Policy describes retention in detail.

No sale of personal information. Selrey does not sell your personal information or financial data to third parties, and does not share it for cross-context behavioral advertising.

We treat your financial data as sensitive personal information and apply technical and organizational safeguards appropriate to its sensitivity.

13. Intellectual Property

The Service and all its content, software, design, graphics, logos, and trademarks are owned by or licensed to Selrey and protected by applicable intellectual property laws.

We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your personal or business financial management in accordance with these Terms.

You may not copy, modify, distribute, sell, or sublicense any part of the Service, and may not reverse engineer it except as permitted by law. "Selrey", the Selrey logo, and related names are brand names and marks of PDG & Associates LLC and may not be used without our written permission. These Terms do not grant you any trademark rights.

14. Payment and Billing

All subscription and add-on purchases are processed exclusively through Apple's In-App Purchase system. By initiating a subscription you authorize Apple to charge your Apple ID payment method on a recurring basis at the applicable price.

Auto-renewal. Subscriptions renew automatically at the end of each billing period unless cancelled at least 24 hours before the renewal date. You can manage and cancel your subscription through iOS Settings → [Your Name] → Subscriptions.

Refunds. All refund requests are handled by Apple and are subject to Apple's refund policies. To request a refund, contact Apple Support or visit reportaproblem.apple.com. Selrey does not process refunds for In-App Purchases directly and has no obligation to provide refunds for used subscription time or consumed AI queries.

Failed payments. If Apple cannot charge your payment method, your subscription will lapse and access to paid features will be suspended until the payment is resolved.

15. Free Trials and Cancellation

New subscribers may receive a 7-day introductory trial period, subject to Apple's eligibility determination. Apple determines trial eligibility based on your subscription history within the applicable subscription group; each Apple ID is generally eligible once. We cannot grant additional trials to subscribers Apple determines are ineligible.

During the trial you have access to the features of the subscribed plan, subject to that plan's limits and availability.

Your subscription converts automatically to a paid subscription at the end of the trial unless you cancel at least 24 hours before the trial period ends. To avoid being charged, cancel through iOS Settings → [Your Name] → Subscriptions before the trial expires.

If you cancel a paid subscription, you retain access to paid features for the remainder of the current billing period. Selrey does not prorate charges for unused subscription time.

16. Service Changes and Termination

We may modify, suspend, or discontinue features of the Service at any time. For material changes that significantly affect your use of the Service, we will provide you clear and conspicuous notice, including information about your right to cancel, before or at the time those changes take effect, as required by applicable law.

Termination by us. We may suspend or terminate your account if you materially violate these Terms, fail to pay applicable subscription fees, or as required by applicable law. We will generally provide notice before termination except where immediate action is required for security or legal reasons.

Termination by you. You may delete your account at any time through the in-app account deletion flow. Deleting your account cancels access to the Service and initiates data deletion under our Privacy Policy. Deletion does not automatically cancel any Apple subscription — cancel your subscription separately through iOS Settings to avoid future charges.

Sections 8, 9, 13, 17, 18, 19, 20, 21, and 22 survive termination.

17. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, SELREY EXPRESSLY DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE, THAT FINANCIAL DATA OBTAINED THROUGH BANK CONNECTIVITY WILL BE ACCURATE OR TIMELY, OR THAT AI-GENERATED OUTPUTS WILL BE ACCURATE, COMPLETE, OR SUITABLE FOR ANY PARTICULAR PURPOSE.

SOME JURISDICTIONS DO NOT ALLOW EXCLUSION OF CERTAIN WARRANTIES. TO THAT EXTENT, THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU. NOTHING IN THESE TERMS LIMITS ANY NON-WAIVABLE STATUTORY RIGHTS YOU MAY HAVE UNDER THE LAWS OF YOUR STATE OF RESIDENCE.

Apple has no warranty obligation for the Service. Warranty responsibility, to the extent any exists, rests solely with PDG & Associates LLC.

18. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL SELREY, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOSS OF PROFITS, DATA, OR GOODWILL, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF THE SERVICE.

OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING UNDER THESE TERMS OR THE SERVICE WILL NOT EXCEED THE TOTAL FEES YOU PAID TO US IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM. IF YOU PAID NO FEES IN THAT PERIOD, OUR TOTAL LIABILITY WILL NOT EXCEED $100.00.

THESE LIMITATIONS APPLY TO ALL CAUSES OF ACTION AND LEGAL THEORIES. SOME JURISDICTIONS DO NOT ALLOW LIMITATION OF CERTAIN DAMAGES; TO THAT EXTENT, THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

Nothing in this Section limits: (a) liability for fraud or intentional misconduct; (b) liability for gross negligence to the extent not waivable under applicable law; or (c) any statutory rights you have under non-waivable consumer protection statutes applicable in your state.

Apple has no liability for any claims relating to the Service.

19. Indemnification

To the extent permitted by applicable law, you agree to defend, indemnify, and hold harmless Selrey, PDG & Associates LLC, and their respective officers, directors, employees, and agents from claims, damages, and expenses (including reasonable attorneys' fees) arising directly from:

• Your intentional violation of these Terms;
• Your violation of applicable law;
• Your unauthorized connection of a financial account you did not have authority to link; or
• User Content you submitted to the Service that infringes a third party's intellectual property rights.

This indemnification does not require you to indemnify Selrey for claims arising from our own negligence, misconduct, or statutory violations. We may assume control of the defense of any claim subject to indemnification by you.

20. Dispute Resolution and Arbitration

Informal resolution first. Before filing a formal claim, please contact us at support@sapphirecore.net describing the dispute. We will try to resolve it informally within 30 days.

Binding arbitration. If informal resolution fails, you and Selrey agree that any dispute, claim, or controversy arising from or relating to these Terms or the Service ("Dispute") will be resolved by final, binding, individual arbitration — not in court and not as part of a class action — except as stated below. You waive your right to a jury trial on Disputes subject to this provision.

Rules and forum. Arbitration will be administered by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules (adr.org). Arbitration will take place in Miami-Dade County, Florida, or by video conference at your request or the arbitrator's discretion. The arbitrator's award is final and may be entered as a judgment in any court of competent jurisdiction. The Federal Arbitration Act governs the interpretation and enforcement of this Section.

Fees. For claims under $25,000, we will pay all AAA filing fees and arbitrator compensation. For claims of $25,000 or more, AAA Consumer fee-allocation rules apply. If AAA is unavailable, the parties will agree on an alternative provider.

Batch proceedings. If 10 or more substantially similar arbitration demands are filed against Selrey within a 90-day period by coordinated claimants, the AAA may consolidate or sequence them in batches as determined by AAA's mass arbitration procedures. This provision does not limit any individual's rights.

Exceptions. Either party may: (a) seek emergency injunctive relief in court to prevent actual or imminent infringement of intellectual property rights; or (b) bring an individual claim in small claims court if the claim qualifies and remains on an individual basis.

Opt-out. You may opt out of this arbitration agreement within 30 days of first accepting these Terms by emailing support@sapphirecore.net with the subject line "Arbitration Opt-Out" along with your name and account email address. Opting out does not affect any other part of these Terms. If you opt out, Disputes will be resolved in the courts described in Section 22.

21. Class Action Waiver

You and Selrey agree to bring any Dispute only in your individual capacity — not as a plaintiff or class member in any class, collective, or representative proceeding. The arbitrator may not consolidate more than one person's claims and may not preside over any form of class or representative proceeding.

If a court finds this class action waiver unenforceable for a particular claim, that claim will proceed in court under Section 22; the arbitration agreement in Section 20 continues to govern all other Disputes.

Nothing in this Section prevents you from filing a complaint with a government agency or regulatory body, or from exercising any rights you may have under applicable law that cannot be waived by contract.

22. Governing Law and Jurisdiction

These Terms and any Dispute not subject to arbitration under Section 20 are governed by the laws of the State of Florida, without regard to conflict-of-law rules. For such Disputes you and Selrey consent to the exclusive jurisdiction of the state and federal courts located in Miami-Dade County, Florida.

Nothing in this Section limits any non-waivable statutory rights you have under the consumer protection laws of your state of residence.

23. Copyright Claims

If you believe that material available through the Service infringes your copyright, please send a written notice to:

PDG & Associates LLC — Copyright Claims
3900 Alton Rd, Apt 206, Miami Beach, FL 33140
support@sapphirecore.net

Your notice should identify the copyrighted work you believe was infringed, describe the location of the allegedly infringing material, provide your contact information, and include a statement that you have a good-faith belief the use is unauthorized and that the information you provided is accurate.

24. Communications and Notices

By creating an account you agree to receive required account communications from Selrey, including: (a) security alerts such as password resets and suspicious activity notices; (b) if you subscribe to an annual plan (Personal Annual or Business Annual), an annual renewal notice sent approximately 30 days before your renewal date that includes your renewal date, the applicable annual price, the length of the renewal period, and instructions for cancelling your subscription through Apple — your subscription will automatically renew unless you cancel before that date; and (c) other notices necessary to operate or legally administer the Service. These are required account communications and may not be opted out of.

We may also send lifecycle and informational emails about the Service as permitted by applicable law. You may opt out of these emails at any time by clicking the unsubscribe link in any such email. Your opt-out takes effect promptly and does not affect the required account communications described above.

Apple also sends its own subscription-related notifications through the App Store and iOS, including renewal receipts and billing confirmations. Selrey's annual renewal reminders are separate from and in addition to Apple's notifications.

Notices from us to you will be sent to your account email address or delivered via in-app notification. You are responsible for keeping your email address current. Notices sent to the address on file are effective when sent.

Notices from you to us may be sent to support@sapphirecore.net or the mailing address in Section 30.

25. Minors

The Service is available only to users who are at least 18 years of age. The Service is not directed to and should not be used by anyone under 18. We do not knowingly collect personal information from anyone under 18.

If we learn or have reason to believe that an account belongs to a person under 18, we will suspend that account and take steps to delete the associated personal data in accordance with our Privacy Policy and applicable law. If you are a parent or guardian and believe your child has created an account or provided personal information to us, please contact us at support@sapphirecore.net.

Separately, we do not knowingly collect personal information from children under 13. If we learn that we have done so, we will delete it promptly.

26. Accessibility

We are committed to making the Service accessible to users with disabilities. If you encounter an accessibility barrier, please contact support@sapphirecore.net and we will work in good faith to address it.

27. Apple-Specific Terms

These Terms are between you and PDG & Associates LLC only. Apple Inc. ("Apple") is not a party to these Terms and is not responsible for the Service or its content.

License scope. The license granted in Section 13 is limited to use on Apple-branded devices you own or control, subject to the Usage Rules in Apple's App Store Terms of Service.

Maintenance and support. Apple has no obligation to provide maintenance or support for the Service. All support requests should be directed to support@sapphirecore.net.

Warranty. To the maximum extent permitted by law, Apple has no warranty obligation for the Service. Any product warranty, where applicable, is solely PDG & Associates LLC's responsibility as set forth in Section 17.

Product claims. PDG & Associates LLC — not Apple — is responsible for addressing any claims relating to the Service, including product liability claims, regulatory-compliance claims, and consumer protection claims.

Intellectual property. PDG & Associates LLC — not Apple — is solely responsible for investigating, defending, settling, and discharging any third-party intellectual property infringement claim relating to the Service or your use of it.

Third-party beneficiary. Apple and Apple's subsidiaries are third-party beneficiaries of these Terms. Upon your acceptance of these Terms, Apple has the right (and is deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.

28. Export Controls

The Service may be subject to U.S. export control laws and regulations, including the Export Administration Regulations ("EAR") and economic sanctions administered by the U.S. Treasury Department's Office of Foreign Assets Control ("OFAC"). You agree not to export, re-export, or transfer the Service to any country, entity, or person in violation of applicable U.S. laws. By using the Service, you represent that you are not subject to U.S. sanctions and are not located in a sanctioned country.

29. Changes to These Terms

We may update these Terms from time to time. When we make material changes, we will notify you through the app or by email to your account address before the changes take effect. Subscription fee changes will be provided between 7 and 30 days in advance, as required by applicable law. For all other material changes, we will provide reasonable advance notice.

Your continued use of the Service after the effective date of updated Terms constitutes your acceptance. If you do not agree to the updated Terms, you must stop using the Service and cancel your subscription before the effective date.

30. Contact Information and General

PDG & Associates LLC (Selrey is a product of PDG & Associates LLC)
3900 Alton Rd, Apt 206
Miami Beach, FL 33140
United States
support@sapphirecore.net

Entire Agreement. These Terms, together with the Privacy Policy and any additional terms for specific features, constitute the entire agreement between you and Selrey regarding the Service and supersede all prior agreements on the same subject.

Severability. If any provision is found invalid or unenforceable, the remaining provisions remain in effect.

Waiver. Our failure to enforce a provision is not a waiver of our right to enforce it later.

Assignment. You may not assign your rights under these Terms without our written consent. We may assign these Terms without restriction in connection with a merger, acquisition, or sale of assets.

Version 1.3 — Effective Date: October 24, 2026. Supersedes Version 1.2 (October 20, 2026).