Terms of Service

Last Updated: November 10, 2025

1. Acceptance of Terms

Welcome to Gains, operated by Gains Insights LLC. By accessing or using the Gains mobile application ("App"), you agree to be bound by these Terms of Service. If you do not agree to these terms, please do not use the App.

Gains is a lifestyle improvement application designed to help you track and improve your health, wealth, and personal development.

2. Description of Service

Gains provides a comprehensive platform for personal growth, including:

The App uses various technologies, including artificial intelligence, to provide personalized experiences. Your use of the App is governed by these Terms and our Privacy Policy.

3. Age Requirements & Eligibility

Age Restriction: You must be at least 13 years old to use Gains. If you are under 18, you must have permission from a parent or guardian to use the App.

Account Eligibility: By creating an account, you represent that:

4. User Accounts

To use Gains, you must create a user account. You are responsible for:

You may not share your account with others or allow others to access your account. We reserve the right to terminate accounts that violate these Terms.

5. Subscription & Payment Terms

5.1 Subscription Plans

Gains offers premium subscription plans with enhanced features. Subscription details include:

5.2 Payment Processing

All payments are processed securely through Google Play Billing. By purchasing a subscription, you agree to:

5.3 Subscription Management & Cancellation

How to Cancel:

Cancellation Policy:

5.4 Refund Policy

Refunds are handled according to Google Play's refund policy. Generally:

For refund inquiries beyond Google Play's policy, contact support@gainsinsights.com.

5.5 Price Changes

We may change subscription prices with 30 days' notice. Changes apply to new subscribers immediately and to existing subscribers at their next renewal. You can cancel before the price change takes effect.

5.6 Free Trial (If Applicable)

If a free trial is offered:

6. In-App Purchases & Virtual Goods

6.1 Credits & Virtual Currency

Gains may offer virtual currency ("Credits") for purchase. Important terms:

6.2 Prize Wheel & Chance Mechanics

The App includes a prize wheel feature for earning free credits:

6.3 Account Termination & Virtual Goods

If your account is terminated (by you or us), all Credits and virtual goods are forfeited with no refund.

7. Artificial Intelligence & Machine Learning

Gains extensively uses artificial intelligence (AI) and machine learning (ML) technologies to provide personalized features:

7.1 AI Services We Use

7.2 AI Data Processing

By using AI features, you acknowledge and consent that:

7.3 AI Disclaimers

Important AI Limitations:

7.4 Artificial Personas

Gains includes Artificial Personas - AI-generated social content and voice interactions:

8. Enterprise Features & Communication

Gains includes enterprise features for business customers and partners:

8.1 Enterprise Chat

8.2 Third-Party Research Tools (If Deployed)

If we ever deploy third-party research tools:

Current Status: No third-party research tools are currently deployed.

9. User Data & Privacy

Your privacy is critically important to us. By using Gains, you agree to our data practices as described in our Privacy Policy.

Key Privacy Commitments:

10. User Content & Data Ownership

You retain ownership of all content you submit to the App ("User Content"), including:

10.1 License to Gains

By submitting User Content, you grant Gains a limited license to:

Important: This license is for providing the app service only. We do not use your personal content to train third-party AI models or for commercial purposes beyond app operation.

10.2 Data Deletion

You can delete your content and account at any time. Upon deletion:

11. Health & Financial Disclaimers

IMPORTANT: Gains is NOT a substitute for professional advice.

11.1 Health & Medical Disclaimer

The health tracking and AI recommendations in Gains are for informational purposes only and are NOT:

Always consult qualified healthcare providers before making health decisions, starting exercise programs, or changing medications.

11.2 Financial Disclaimer

Financial tracking and AI suggestions in Gains are for informational purposes only and are NOT:

Always consult qualified financial advisors before making financial decisions or investments.

11.3 No Warranty of Accuracy

We strive for accuracy but do not guarantee that health metrics, financial calculations, or AI recommendations are error-free. Use the App as a tool to support, not replace, professional guidance.

12. Prohibited Uses

You agree not to use the App to:

13. Account Termination

13.1 Termination by You

You may terminate your account at any time by:

Upon account deletion, your data will be deleted as described in our Privacy Policy.

13.2 Termination by Gains

We may terminate or suspend your account immediately if you:

Upon termination, your right to use the App ceases immediately. No refunds will be provided for paid subscriptions except as required by law.

14. Intellectual Property

All content, features, and functionality of Gains, including but not limited to:

Are owned by Gains Insights LLC or our licensors and are protected by copyright, trademark, patent, trade secret, and other intellectual property laws.

You may not:

15. Disclaimer of Warranties

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND.

To the fullest extent permitted by law, Gains disclaims all warranties, express or implied, including:

AI and machine learning features may contain errors or inaccuracies. We do not guarantee the accuracy, reliability, or suitability of AI-generated insights for any purpose.

16. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, GAINS INSIGHTS LLC SHALL NOT BE LIABLE FOR:

MAXIMUM LIABILITY: Our total liability for all claims shall not exceed the amount you paid to Gains in the 12 months preceding the claim, or $100 USD, whichever is greater.

Some jurisdictions do not allow limitation of liability for personal injury or incidental damages, so these limitations may not apply to you.

17. Indemnification

You agree to defend, indemnify, and hold harmless Gains Insights LLC, its officers, directors, employees, and agents from any claims, liabilities, damages, losses, costs, or expenses (including attorneys' fees) arising from:

18. Changes to Terms

We may modify these Terms at any time. We will notify you of significant changes through:

Your continued use of the App after changes constitutes acceptance of the updated Terms. If you do not agree to the changes, you must stop using the App and may delete your account.

You can always view the current Terms at Settings → Legal → Terms of Service.

19. Governing Law & Dispute Resolution

19.1 Governing Law

These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law principles.

19.2 Dispute Resolution

Before filing a legal claim, you agree to contact us at legal@gainsinsights.com to attempt to resolve the dispute informally.

19.3 Arbitration Agreement

Any disputes that cannot be resolved informally shall be resolved through binding arbitration, except:

You agree to waive your right to a jury trial or to participate in a class action lawsuit.

19.4 Jurisdiction

For disputes not subject to arbitration, you agree to submit to the exclusive jurisdiction of the courts located in Delaware, United States.

20. Miscellaneous

20.1 Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Gains regarding the App.

20.2 Severability

If any provision of these Terms is found invalid or unenforceable, the remaining provisions will continue in full effect.

20.3 No Waiver

Our failure to enforce any right or provision of these Terms does not constitute a waiver of that right or provision.

20.4 Assignment

You may not assign or transfer these Terms. We may assign our rights and obligations without restriction.

20.5 Force Majeure

We are not liable for delays or failures in performance due to circumstances beyond our reasonable control.

20.6 Export Compliance

You may not use the App in violation of U.S. export laws or regulations.

21. Contact Information

Gains Insights LLC

For questions about these Terms:

We will respond to inquiries within 5 business days.

22. Acknowledgment

By using Gains, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service and our Privacy Policy. Thank you for being part of our community dedicated to health, wealth, and personal development! 🚀