Terms of Use

Terms of Use

Last updated: June 22, 2026

By downloading or using Capital — Loans · Prepayment · Deposits ("the app", "we", "us"), you agree to these Terms of Use. If you do not agree with any of these terms, please do not use the app.

1. License

The app is distributed through the Apple App Store under the Apple Standard End User License Agreement (EULA) , whose terms are incorporated by reference and apply to your use of the app. In the event of any conflict between these Terms and Apple's EULA, Apple's EULA terms shall prevail.

2. In-app purchases

The app offers one optional in-app purchase, processed through the Apple App Store:

• Ad-free (Lifetime) — one-time purchase of $5.99 for permanent ad-free access.

The price shown includes all applicable taxes. Payment is charged to your Apple ID account at the time of purchase confirmation. There are no subscriptions or recurring charges of any kind.

3. Refunds

Refunds are subject to Apple's refund policy. We do not process refunds directly from the app. To request a refund, please visit reportaproblem.apple.com.

4. Restoring purchases

You can restore your purchase on any device by signing in with the same Apple ID and using the "Restore Purchase" option inside the app. If the purchase is not restored automatically, ensure you are signed in with the original Apple ID used at the time of purchase.

5. Accuracy of calculations

The results provided by Capital (payments, interest, amortization schedules, deposit returns, future values, etc.) are estimates for informational purposes only, based on the financial formulas and figures entered by the user. The app does not constitute financial, tax or legal advice.

Capital accepts no liability for any financial decisions made based on the app's results. For any real financial transaction, always consult your bank or a qualified financial advisor.

6. Permitted use

The app is provided for personal, non-commercial use only. The following actions are expressly prohibited:

• Decompiling, disassembling or reverse-engineering the app.
• Copying, modifying or distributing the app or any part of it.
• Using the app for any illegal or fraudulent purpose.
• Attempting to gain unauthorized access to systems or data through the app.

7. Intellectual property

All rights to the app, its design, source code, graphics and icons belong to its developers. All rights reserved. Reproduction in whole or in part without prior written authorization is strictly prohibited.

8. Limitation of liability

To the maximum extent permitted by applicable law, the developers of Capital shall not be liable for any direct, indirect, incidental, special, consequential or punitive damages arising from the use of or inability to use the app, or from the accuracy of the calculations displayed.

9. Changes to the app

We reserve the right to modify, suspend or discontinue the app or any of its features at any time, with or without notice, without incurring any liability to you or any third party.

10. Changes to these terms

We may update these Terms of Use from time to time. The "last updated" date at the top of this page indicates when the most recent revision was made. Continued use of the app after changes are published constitutes your acceptance of the new terms.

11. Governing law

These Terms of Use are governed by applicable law. Any dispute arising from the use of the app shall be subject to the exclusive jurisdiction of the competent courts.

12. Contact

For any questions regarding these Terms of Use, you can reach us at:
albeasystems@gmail.com