Terms of Use (EULA) — United States

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. U.S. Warranty Disclaimer, Limitation of Liability & Statutory Disclosures (United States)

• Disclaimer of Warranties: TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE U.S. LAW, PENUVIA AND OPTIONAL CLOUD SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED (INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT). IN THE EVENT OF ANY FAILURE TO CONFORM TO AN APPLICABLE NON-WAIVABLE WARRANTY, YOU MAY NOTIFY APPLE, AND APPLE WILL REFUND ANY PURCHASE PRICE PAID FOR THE APP; TO THE MAXIMUM EXTENT PERMITTED BY LAW, APPLE HAS NO OTHER WARRANTY OBLIGATION WHATSOEVER.
• Limitation of Liability & State Law Carve-Out: TO THE MAXIMUM EXTENT PERMITTED BY LAW, LUCAS WITTHÖFT SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR LOSS OF DATA RESULTING FROM LOST USER VAULT KEYS. IN JURISDICTIONS THAT DO NOT ALLOW CERTAIN LIMITATIONS (INCLUDING NEW JERSEY WHERE APPLICABLE), LIABILITY IS LIMITED ONLY TO THE EXTENT PERMITTED BY STATUTE.
• U.S. Legal & Export Compliance + California Notice (Cal. Civ. Code § 1789.3): You represent and warrant that (i) you are not located in a country subject to a U.S. Government embargo or designated as a “terrorist supporting” country, and (ii) you are not listed on any U.S. Government list of prohibited or restricted parties. California residents may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs at 1625 North Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210.