Terms of Service
These Terms of Service (the “Terms”) govern your use of Advance Guide (the “App”) and the website at advanceguide.net (the “Site”), both published by LUMA Vision s.r.o. (the “Publisher”, “we”, “our”, “us”). By installing or using the App, or by visiting the Site, you agree to these Terms.
1. The product, in one sentence
Advance Guide is a free, on-device personal-finance literacy reference. It teaches money math through eight built-in concept cards, four real calculators (APR, APY, payoff months, utilization), a six-step decision flow, and eight editorial articles. It is not a bank, broker, lender, advisor, or any other regulated financial service.
2. Educational content only
The content of the App and the Site is educational reference material. It explains how widely-used personal-finance concepts work — for example, how APY differs from APR, or how a flat fee compounds into an effective rate — using textbook formulas and worked illustrations. We do not give you advice. We do not know your specific financial situation, your jurisdiction, your tax bracket, your credit profile, or your goals. You will not rely on the App or the Site as the sole basis for any financial decision. For decisions that affect your specific circumstances, consult a qualified, licensed professional in your jurisdiction.
3. No warranties
The App and the Site are provided as is, without warranty of any kind, express or implied, including without limitation the warranties of merchantability, fitness for a particular purpose, and non-infringement. We have made reasonable efforts to ensure the formulas inside the App match standard textbook references, and to use sensible default values, but we do not warrant that the outputs are correct for every edge case, every jurisdiction, or every financial product on the market. Real-world products may include fees, taxes, regulatory disclosures, and conditions that this educational reference does not model. Always read the actual contract for any financial product you consider.
4. Limitation of liability
To the maximum extent permitted by law, in no event will the Publisher be liable to you for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, goodwill, or other intangible losses, resulting from (a) your use of, or inability to use, the App or the Site; (b) any decision you make in reliance on the App or the Site; (c) the cost of any substitute goods or services; or (d) any matter related to the App or the Site. Where applicable law does not allow the exclusion or limitation of liability for consequential or incidental damages, the above limitation may not apply to you.
5. Acceptable use
You may use the App and the Site for lawful, personal, educational purposes. You may not:
- Reverse-engineer, decompile, or attempt to extract the source code of the App, except to the extent that this restriction is prohibited by applicable law;
- Resell, sublicense, or redistribute copies of the App;
- Use the App or the Site to break any law, including financial-services regulations, in your jurisdiction;
- Misrepresent the App's content as professional financial advice in any communication, document, or transaction.
6. Intellectual property
The App, the Site, the editorial copy in the eight Field Notes, the eight concept cards, the formulas as presented (with their illustrative values), the icon, the screenshots, and the typographic identity are the intellectual property of the Publisher, except where third-party licenses are noted (Crimson Pro is licensed under the SIL Open Font License). You receive a personal, non-exclusive, non-transferable license to use the App as described in these Terms; nothing in these Terms transfers ownership of any intellectual property rights to you.
7. Apple App Store terms
If you obtained the App through Apple's App Store, you acknowledge that the App Store's standard end-user license agreement (the “Standard EULA”) also applies, and in the event of any conflict between these Terms and the Standard EULA, the more protective provision for you (the user) controls. Apple is not a party to these Terms and is not responsible for the App or its content; Apple is a third-party beneficiary of these Terms, however, and may enforce the Standard EULA against you.
8. Changes to the App and these Terms
We may update the App, the Site, and these Terms from time to time. The current version of the Terms is the one published at this URL with the most recent Last updated date. Material changes will be flagged in the App's release notes and on this page. Your continued use of the App or the Site after a change becomes effective constitutes your acceptance of the updated Terms. If you do not accept a material change, your remedy is to stop using the App and the Site.
9. Termination
You may stop using the App at any time by deleting it from your device. We may stop offering the App at any time, for any reason. If we do, these Terms will continue to govern any prior use you made of the App and Site, and the disclaimers and liability limitations above will survive.
10. Governing law
These Terms are governed by the laws of the Czech Republic, without regard to its conflict-of-laws principles. Where you reside in a jurisdiction whose consumer-protection laws give you mandatory rights that cannot be waived by contract, those local rights apply in addition to anything written here.
11. Contact
LUMA Vision s.r.o.
Email: [email protected]
Support form: advanceguide.net/faq/