CapyBucks
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Terms of Use

Last updated: 24 May 2026

Note: This document is a general template provided for transparency purposes. It does not constitute legal advice. You should seek qualified legal counsel to ensure these terms meet the specific requirements of your jurisdiction and circumstances.

1. Acceptance of These Terms

By downloading, installing, or using the CapyBucks application ("the App"), you ("you" or "the user") agree to be bound by these Terms of Use ("Terms"). If you do not agree to these Terms, do not use the App.

These Terms form a legally binding agreement between you and [Your full legal name] ("we", "us", or "our"), the individual developer and publisher of CapyBucks. Our Privacy Policy is incorporated into these Terms by reference and is available at privacy.html.

2. Eligibility

To create an account and use CapyBucks, you must be at least 18 years of age, or the age of legal majority in your jurisdiction if that is higher. The App is designed for family use. Children may use the App only under the direct supervision and with the explicit consent of a parent or legal guardian who holds the account.

By creating an account, you represent and warrant that you are of legal age and that you have the authority to agree to these Terms on behalf of yourself and, where applicable, your minor children.

3. About the Service

CapyBucks is an educational money-management application designed to help parents teach their children foundational money skills — including budgeting, saving towards goals, understanding income and expenses, and observing how interest works on savings. The App provides a gamified, family-friendly environment where these concepts are practised using virtual money.

Features include virtual balance tracking, savings buckets and goals, virtual interest calculations, allowance and payday scheduling, spending streak rewards, and receipt logging for virtual transactions. A co-parent or second guardian may also be invited to join a family group via a join code.

4. Virtual Money

This is the most important section of these Terms. Please read it carefully.

  • All balances, goals, interest, and transactions within CapyBucks are virtual and entirely simulated. They represent educational concepts, not real financial assets.
  • Virtual balances have no monetary value. They cannot be withdrawn, transferred, redeemed for goods, services, or real currency, or used for any real-world financial purpose.
  • CapyBucks is not a bank, payment service provider, money-services business, e-money issuer, or financial institution of any kind. It is not regulated as such and does not hold, process, transfer, or custody any real money on your behalf or on behalf of your children.
  • Any actual allowance payments are entirely between family members and are not facilitated, processed, or guaranteed by CapyBucks in any way. The App merely provides a record-keeping tool for tracking virtual representations of such arrangements.
  • Virtual interest rates displayed in the App are educational simulations only. They do not represent real interest rates and do not accrue any real return.

You acknowledge and agree that you do not acquire any property rights, financial instruments, or enforceable monetary claims by virtue of any virtual balance shown within the App.

5. Your Account and Security

You are responsible for:

  • Providing accurate and complete registration information and keeping it up to date.
  • Maintaining the confidentiality of your account password and any authentication credentials.
  • All activity that occurs under your account, including your children's use of the App through your account.
  • Ensuring that any 4-digit PINs set for child profiles are kept secure and known only to the intended family members.

You must notify us immediately at [contact email] if you become aware of any unauthorised access to or use of your account. We are not liable for any loss arising from your failure to keep your credentials secure.

6. Acceptable Use

You agree to use the App only for lawful, personal, non-commercial, family-educational purposes in accordance with these Terms. You agree not to:

  • Use the App for any unlawful purpose or in violation of any applicable law or regulation.
  • Attempt to reverse engineer, decompile, disassemble, or derive the source code of any part of the App.
  • Interfere with or disrupt the App's infrastructure, servers, or networks.
  • Attempt to gain unauthorised access to any part of the App or its backend systems.
  • Use automated tools, scripts, or bots to access or interact with the App.
  • Upload content that is unlawful, harmful, defamatory, obscene, or that infringes the intellectual property rights of any third party.
  • Impersonate any person or entity or misrepresent your identity or affiliation.
  • Use the App in a manner that could damage, disable, overburden, or impair the service.

We reserve the right to suspend or terminate your account if you violate these acceptable use provisions.

7. Your Content

"Your Content" means any data you upload or create within the App, including avatar photos, receipt images, child names, transaction notes, and family names.

You retain ownership of Your Content. By uploading Your Content to the App, you grant us a limited, non-exclusive, worldwide, royalty-free licence to host, store, process, and display Your Content solely for the purpose of providing the service to you. This licence terminates when you delete the relevant content or your account.

You are solely responsible for ensuring that Your Content does not violate any law, infringe any third-party rights, or violate these Terms. You represent that you have all necessary rights and permissions to upload any content you submit, including photos of third parties (e.g., family members).

We do not actively monitor Your Content but reserve the right to remove it if it violates these Terms or applicable law.

8. Intellectual Property

All aspects of the App — including its software code, user interface design, graphics, text, logos, the CapyBucks brand and mascot, and all other original content — are the intellectual property of [Your full legal name] and are protected by copyright, trademark, and other applicable intellectual property laws.

Subject to your compliance with these Terms, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable licence to install and use the App on Apple devices you own or control, solely for your personal, family, non-commercial, educational use.

You may not copy, modify, distribute, sell, sublicence, or create derivative works based on the App or any part of it without our prior written consent.

9. Third-Party Services

The App uses the following third-party services:

  • Google Firebase — authentication, database, file storage, and push notifications, operated by Google LLC. Your use of these features is subject to Google's Terms of Service and Privacy Policy.
  • Apple App Store — the App is distributed via the Apple App Store. Your download and installation of the App is subject to Apple's Media Services Terms and Conditions.
  • frankfurter.app — an open-source exchange rate API used for currency rate display. No personal data is sent to this service.

We are not responsible for the content, practices, availability, or actions of any third-party service. Links or references to third-party services do not constitute our endorsement of them.

10. Disclaimers

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE", WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT, TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW.

We do not warrant that the App will be uninterrupted, error-free, secure, or free of viruses or other harmful components. We do not warrant that any virtual data within the App will be preserved indefinitely.

CapyBucks is an educational tool only. Nothing in the App constitutes financial advice, investment advice, tax advice, or any other form of regulated professional advice. Virtual financial simulations are simplified for educational purposes and do not reflect real-world market conditions, tax rules, or financial regulations. Always consult a qualified financial professional for advice relevant to your personal financial situation.

11. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, [YOUR FULL LEGAL NAME] SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE APP, INCLUDING BUT NOT LIMITED TO LOSS OF DATA, LOSS OF PROFITS, OR LOSS OF GOODWILL, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

BECAUSE ALL MONEY IN THE APP IS VIRTUAL AND HAS NO REAL-WORLD VALUE, WE ARE NOT LIABLE FOR ANY LOSS OF VIRTUAL BALANCES OR DATA DUE TO TECHNICAL FAILURES, ACCOUNT TERMINATION, OR ANY OTHER CAUSE.

NOTHING IN THESE TERMS EXCLUDES OR LIMITS LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW, INCLUDING LIABILITY FOR DEATH OR PERSONAL INJURY CAUSED BY NEGLIGENCE, OR FOR FRAUD OR FRAUDULENT MISREPRESENTATION.

12. Indemnification

You agree to indemnify and hold harmless [Your full legal name] from and against any claims, losses, liabilities, damages, costs, and expenses (including reasonable legal fees) arising out of or relating to: (a) your use of the App in violation of these Terms; (b) Your Content; or (c) your violation of any applicable law or the rights of any third party. This indemnification obligation does not apply to claims arising from our own negligence or wilful misconduct.

13. Termination

You may stop using the App and delete your account at any time by contacting us at [contact email]. Upon deletion, your personal data and all associated family data will be deleted in accordance with our Privacy Policy.

We may suspend or terminate your access to the App at any time if we believe you have violated these Terms, or for any other reason with or without notice, to the extent permitted by applicable law. Where required by applicable consumer protection law, we will provide reasonable notice and give you an opportunity to remedy any violation before termination.

Upon termination, the licence granted to you under Section 8 immediately ceases, and you must uninstall and cease all use of the App. Sections that by their nature should survive termination — including Sections 7, 8, 10, 11, 12, and 15 — will survive.

14. Changes to the Terms and the Service

We may update these Terms from time to time. When we make material changes, we will update the "Last updated" date and, where required by law, notify you via the App or email. Your continued use of the App after the effective date of the updated Terms constitutes acceptance of the changes.

We may also modify, update, or discontinue features of the App at any time. Because the App provides only virtual educational tools and not real financial services, we do not guarantee the continued availability of any particular feature.

15. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of [Country — EU member state], without regard to its conflict-of-law principles. If you are a consumer resident in the EU, you also benefit from any mandatory consumer protection provisions of the law of your country of residence that cannot be excluded by contract.

Any dispute arising out of or in connection with these Terms or the App shall be subject to the exclusive jurisdiction of the courts of [Country — EU member state], except that if you are an EU consumer you may also bring proceedings in the courts of your country of residence.

EU residents may also use the European Commission's Online Dispute Resolution platform at ec.europa.eu/consumers/odr, though we are not required to participate in alternative dispute resolution for individual developer apps unless mandated by local law.

16. Contact

For any questions about these Terms, please contact:

  • Email: [contact email]
  • Name: [Your full legal name]
  • Address: [your address]