TERMS OF USE (USER AGREEMENT)

Effective Date: June 9, 2026

Please read these Terms of Use (“Terms”) carefully. These Terms establish a binding contract between you and Rhyder Lab. By downloading, installing, or using the App, you expressly agree to these Terms. If you do not accept all of these Terms, you are strictly prohibited from using the App and must uninstall it immediately.

1. License Grant and Accountless Architecture

Subject to your compliance with these Terms, Rhyder Lab grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to download, install, and use a copy of the App on a single mobile device that you own or control.

  • Local Operations: You acknowledge that the App is architected to function entirely via local device storage rather than through synchronized cloud accounts.

  • Irreversible Data Loss: You expressly understand and agree that clearing the App’s storage cache via your device settings, executing a factory reset, or uninstalling the App will result in the immediate and permanent deletion of all your configured watchlists, settings, and local data.

2. Premium Packages, In-App Purchases, and Strict Invalidation Policy

The App offers enhanced features through one-time in-app purchases (“Premium Packages”). All billing and transaction processes are handled entirely by the respective app store platform.

  • Device-Bound Entitlement: Because Rhyder Lab deliberately does not collect email addresses, names, or require you to create an account, we have no mechanism to track “who” you are across different devices or installations. Therefore, all Premium Packages are strictly and exclusively bound to the exact, current physical installation of the App on your device.

  • PREMIUM STATUS DESTRUCTION WARNING: By purchasing a Premium Package, you explicitly consent to the following condition: If you delete the App, uninstall the App, wipe your device, or acquire a new physical device, your Premium Package will be permanently invalidated, destroyed, and rendered unrecoverable.

  • Absolute No-Refund Policy: Rhyder Lab possesses no technical means to verify your identity, locate your past purchase records, or restore your access once the local UUID is wiped from your device. Consequently, under absolutely no circumstances will Rhyder Lab issue refunds, perform account restorations, or transfer Premium status to a new device or a reinstalled instance of the App. By executing a purchase, you waive any right to claim a refund or restoration based on app deletion or device loss.

3. Acceptable Use and Prohibited Conduct

You agree to use the App solely for your personal, non-commercial purposes. You are strictly prohibited from:

  • Reverse-engineering, decompiling, disassembling, or attempting to derive the source code or architectural framework of the App.

  • Scraping, data-mining, or using automated systems (bots, spiders) to extract financial market data, rates, or charts from the App.

  • Modifying, altering, or creating derivative works based on the App.

  • Circumventing, disabling, or interfering with security-related features or digital rights management mechanisms embedded within the App.

4. Financial Information Disclaimer (No Professional Advice)

The App aggregates and displays real-time and historical financial data pertaining to cryptocurrencies, stock market indices, foreign exchange rates, and precious metals.

  • No Fiduciary Relationship: All data, charts, and alerts provided by the App are for general informational, educational, and entertainment purposes only. Rhyder Lab is a technology development entity, not a registered broker-dealer, investment advisor, or financial institution.

  • No Reliance: You acknowledge that financial markets are highly volatile and subject to rapid fluctuations. Rhyder Lab does not warrant or guarantee the accuracy, completeness, latency, or reliability of any rates, pricing data, or market indicators displayed.

  • Assumption of Total Risk: Any trading, investment, or financial decisions you execute based on information obtained through the App are made entirely at your own discretion and risk. Rhyder Lab explicitly disclaims any liability for financial losses, missed opportunities, or trading errors resulting from the use of the App’s data.

5. Intellectual Property Rights

All rights, title, and interest in and to the App, including but not limited to its source code, UI/UX design, graphics, proprietary algorithms, and brand assets (including the name “LiveRates” and “Rhyder Lab”), are the exclusive intellectual property of Rhyder Lab. These Terms do not convey any ownership rights to you.

6. Disclaimer of Warranties

THE APP IS PROVIDED ON A STRICTLY “AS IS” AND “AS AVAILABLE” BASIS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, RHYDER LAB EXPRESSLY DISCLAIMS ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. RHYDER LAB DOES NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE FROM VIRUSES, NOR DOES IT WARRANT THE ACCURACY OF ANY FINANCIAL DATA DELIVERED BY THIRD-PARTY APIS.

7. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE JURISDICTION, RHYDER LAB, ITS FOUNDERS, DIRECTORS, EMPLOYEES, AND AFFILIATES SHALL NOT BE LIABLE TO YOU OR ANY THIRD PARTY FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES. THIS INCLUDES, BUT IS NOT LIMITED TO, DAMAGES FOR LOSS OF PROFITS, LOSS OF REVENUE, TRADING LOSSES, LOSS OF GOODWILL, LOSS OF DATA, OR LOSS OF PREMIUM PACKAGES DUE TO UNINSTALLATION, EVEN IF RHYDER LAB HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. IN NO EVENT SHALL RHYDER LAB’S TOTAL CUMULATIVE LIABILITY TO YOU EXCEED THE AMOUNT YOU ACTUALLY PAID FOR THE APP’S PREMIUM PACKAGE, OR FIFTY U.S. DOLLARS ($50.00), WHICHEVER IS GREATER.

8. Indemnification

You agree to indemnify, defend, and hold harmless Rhyder Lab and its affiliates from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys’ fees) arising out of or relating to your violation of these Terms, your misuse of the App, or your infringement of any intellectual property or other rights of any third party.

9. Governing Law and Jurisdiction

These Terms, and any dispute arising out of or relating to them, shall be governed by and construed in accordance with the laws of the jurisdiction in which the App’s developer (Rhyder Lab) maintains its primary place of business or residence, without regard to its conflict of law principles. You expressly agree to submit to the exclusive personal jurisdiction of the competent courts located within the developer’s primary jurisdiction.

10. Dispute Resolution: Binding Arbitration and Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT SIGNIFICANTLY AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

  • Binding Arbitration: Any controversy, claim, or dispute arising out of or relating to these Terms, the App, or the breach thereof, shall be resolved by final and binding individual arbitration, rather than in a court of law. The arbitration shall be conducted by a neutral arbitrator in accordance with internationally recognized arbitration rules chosen at the discretion of Rhyder Lab. The arbitrator’s award shall be final and binding, and judgment on the award rendered by the arbitrator may be entered in any court having competent jurisdiction.

  • Class Action Waiver: YOU AND RHYDER LAB AGREE THAT EACH PARTY MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS ACTION, COLLECTIVE ACTION, OR REPRESENTATIVE PROCEEDING. Unless both you and Rhyder Lab agree otherwise, the arbitrator may not consolidate more than one person’s claims and may not otherwise preside over any form of a representative or class proceeding.

11. Severability and Entire Agreement

  • Severability: If any provision of these Terms is found by a court or arbitrator of competent jurisdiction to be invalid, illegal, or unenforceable, such provision shall be modified to the minimum extent necessary to make it enforceable, and the remaining provisions of these Terms shall continue in full force and effect.

  • Entire Agreement: These Terms and the Privacy Policy constitute the entire, exclusive, and final agreement between you and Rhyder Lab regarding your use of the App, superseding any prior agreements, negotiations, or understandings.

12. Changes to the Terms

Rhyder Lab reserves the right, at its sole discretion, to modify, update, or replace these Terms at any time without prior explicit notice. Your continued use of the App following the posting of any changes constitutes your binding acceptance of those changes.

13. Contact Information

If you have any questions about these Terms, please contact us at: Email: contact@rhyderlab.com