Terms of Use (EULA) — EU & Germany

1. Provider & Scope of License

Penuvia is licensed to you by Lucas Witthöft, Großflecken 43, 24534 Neumünster, Germany (support@penuvia.app). Subject to these Terms and the Apple Media Services Usage Rules, you are granted a personal, non-exclusive, non-transferable license to use Penuvia on Apple-branded Mac computers that you own or control for private household management.

2. Local Household, Shared Cloud Households & Never-Lock-Out Guarantee

• Permanently Free Standard Local Household: Penuvia includes one permanent local offline household on your Mac free of charge and without requiring an account. When founding a Cloud Household, you can optionally copy your local household data once with a single click.
• Optional Penuvia Cloud (Introductory Phase & Future App Store Subscriptions): Shared Cloud Households are currently offered in a free introductory phase (with early-supporter recognition). In the future, new Cloud Households or expanded Cloud features may require an optional auto-renewing Apple App Store subscription via StoreKit 2, where one subscription covers the entire shared household.
• 14-Day Member Grace Period & Local Continuity with Cloud Reconnect: Your household data is never held hostage. If you disconnect Cloud sync or if a future household subscription expires, fellow members receive a 14-day grace period to take over sponsorship; otherwise, the household automatically remains usable offline on each Mac as an additional Local Household (with Cloud Reconnect Option), preserving its household ID and invite code so it can be reconnected to the Cloud at any time.

3. Zero-Knowledge Encryption & Vault Key Responsibility

Because Penuvia encrypts synced household and financial data client-side on your Mac using AES-256-GCM prior to upload, neither Lucas Witthöft nor our server provider has access to your plaintext vault key. You are solely responsible for safeguarding your vault key and/or your in-app Emergency Recovery Kit; if all authorized devices and keys are lost simultaneously, encrypted server data cannot be decrypted by anyone.

4. Age Requirements & Acceptable Use

Independent Penuvia Cloud accounts require a minimum age of 13 years; users aged 13 to 17 require live co-authorization by a verified adult parent account (18+). You agree not to abuse Cloud endpoints, circumvent security controls, or upload unlawful content.

5. Mandatory Apple App Store Terms (Apple as Third-Party Beneficiary)

This EULA is concluded solely between you and Lucas Witthöft, and not with Apple Inc. Lucas Witthöft (not Apple) is solely responsible for Penuvia, its content, maintenance and support, and addressing any product, intellectual property, or consumer claims to the extent required by law. You acknowledge and agree that Apple Inc. and Apple’s subsidiaries are third-party beneficiaries of this EULA, and upon your acceptance, Apple has the right (and will be deemed to have accepted the right) to enforce this EULA against you as a third-party beneficiary.

6. Liability, Statutory Consumer Rights & Governing Law (European Union & EEA)

• Statutory Liability Framework: We are liable without limitation for intent, gross negligence, injury to life, body, or health, and mandatory statutory product liability. For slight negligence regarding essential contractual duties (cardinal obligations), liability is limited to foreseeable, contract-typical damages; otherwise, slight negligence liability is excluded. For free-of-charge services, statutory German provisions (§§ 521, 599 BGB) apply.
• Digital Content & App Store Withdrawals: Where optional paid Cloud features are purchased via the Apple Mac App Store, billing, subscription management, cancellation, and statutory EU withdrawal handling are processed directly through Apple Distribution International Ltd.
• Governing Law (Rome I Art. 6): Governed by the laws of the Federal Republic of Germany (excluding CISG), without prejudice to any mandatory consumer protection provisions of the EU/EEA Member State in which you habitually reside.