Terms of Service for Payback

1. Acceptance of Terms

By downloading, installing, or using Payback ("the App"), you ("User," "you," or "your") agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not use the App.

These Terms constitute a legally binding agreement between you and Mile High Interface LLC ("Company," "we," "our," or "us").

1.1 Changes to Terms

We reserve the right to modify these Terms at any time. Changes will be effective upon:

• Posting of updated Terms in the App
• Notification via in-app message on next launch
• Updated "Last Updated" date at the top of this document

Your continued use of the App after changes constitutes acceptance of the modified Terms.

1.2 Additional Terms

Certain features may be subject to additional terms and conditions, which will be presented to you at the time of use.

2. Description of Service

2.1 What Payback Does

Ôwn (marketed as "Payback") is a privacy-first mobile application available on iOS (App Store / TestFlight) and Android (Google Play) that:

• Processes Google Takeout (ZIP files) and Meta (Facebook/Instagram) export data (folder structure)
• Generates consumer personas and behavioral insights using AI
• Analyzes data against 135 unified targeting categories across 10 pillars
• Performs signal extraction locally on your device
• Uses Google Gemini 2.5 Pro AI via backend proxy during Instant Analysis
• Stores results in encrypted SQLite database on your device
• Supports resumable analysis via checkpoint system

2.2 What Payback Is NOT

• Not a Data Broker: We do not sell, share, or monetize your data
• Not a Social Network: We do not share data with other users
• Not a Cloud Service: We do not store your data on our servers
• Not Financial Advice: Insights are for informational purposes only
• Not a Guarantee: Results depend on the quality and completeness of your export data

2.3 Beta Software

3. User Eligibility

3.1 Age Requirement

You must be at least 13 years old to use the App (or 16 in the European Economic Area). Users under 18 should use the App with parental guidance.

3.2 Legal Capacity

You represent that you have the legal capacity to enter into these Terms in your jurisdiction.

3.3 Authorized Use

You may only analyze your own personal data. Analyzing data belonging to others without their consent may violate privacy laws.

4. User Accounts and Authentication

4.1 Google Account

To use features that require Google data you must:

• Have a valid Google account
• Grant the App read-only access to your Google Drive (drive.readonly scope) for Takeout imports
• For Instant Analysis, additionally grant read-only Gmail (gmail.readonly) and Calendar (calendar.readonly) scopes — used exclusively for on-device signal extraction
• Authenticate via Google OAuth 2.0 (no passwords stored by Payback)
• Comply with Google's Terms of Service

4.2 Account Security

You are responsible for:

• Maintaining the security of your device
• Protecting your Google account credentials
• Any activity that occurs through your authenticated session
• Revoking app access if device is lost or compromised

4.3 Session Management

The App automatically logs you out after 30 minutes of inactivity for security purposes. OAuth tokens are stored encrypted in iOS Keychain/Android Keystore.

5. Acceptable Use

5.1 Permitted Uses

You may use the App to:

• Analyze your own Google Takeout (ZIP files) and Meta export data (folders)
• Generate personal consumer personas and category insights
• View your analysis history and synthesized profile
• Export your persona data for personal use (if feature available)
• Share insights at your discretion (outside the App)
• Delete your data at any time

5.2 Prohibited Uses

5.3 Enforcement

We reserve the right to:

• Investigate violations of these Terms
• Suspend or terminate your access for violations
• Report illegal activity to law enforcement
• Cooperate with legal investigations

6. Intellectual Property

6.1 Ownership

Our Property:

• The App's source code, design, and algorithms are owned by Mile High Interface LLC
• Payback name, logo, and branding are our trademarks
• All rights not expressly granted are reserved

Your Property:

• You retain all rights to your personal data
• You own any insights or personas generated from your data
• We claim no ownership over your data or analysis results

6.2 License Grant

To You:
We grant you a limited, non-exclusive, non-transferable, revocable license to:

• Use the App for personal, non-commercial purposes
• Export and use your persona data as you see fit

To Us:
You grant us a limited license to:

• Process your data on-device to provide the service
• Send behavioral signals to AI services during Instant Analysis
• Use anonymized, aggregated usage data to improve the App (if you opt in to telemetry)

6.3 Open Source Components

The App uses open source libraries subject to their respective licenses. See package.json for details.

7. Privacy and Data Processing

7.1 Privacy Policy

Our collection, use, and protection of your data is governed by our Privacy Policy, which is incorporated into these Terms by reference.

Privacy Policy: See https://www.milehighinterface.com/payback/privacy.html

7.2 Data Ownership

You retain complete ownership of your data. We do not claim any rights to your:

• Google Takeout files
• Meta export data
• Generated personas or insights

7.3 Data Deletion

You may delete all data at any time via:

• Settings > Data Management > Delete All Data
• Uninstalling the App (deletes all local data)

7.4 Third-Party Data Processing

When you use Instant Analysis:

• Gmail and Calendar behavioral signals are extracted on-device
• Signals are sent to our backend proxy server for AI persona generation
• Backend proxy authenticates your request via Google OAuth token verification
• Backend proxy forwards requests to Google Gemini AI with secure server-side API keys
• Backend applies per-user rate limiting (5 requests/minute)
• No data is retained on backend server (stateless processing)
• Google's Gemini API Terms apply: https://ai.google.dev/gemini-api/terms
• Data is not retained or used for model training per Gemini API terms

8. AI Analysis and Accuracy

8.1 Instant Analysis Feature

AI-powered persona generation runs automatically during Instant Analysis. The App uses:

• Model: Google Gemini 2.5 Pro
• Architecture: Backend proxy with OAuth verification
• Processing: Single API call generates persona from behavioral signals
• Rate limiting: 5 requests per minute per user, 100 requests per 15 minutes per IP
• Failover: Dual API keys for high availability

You control when AI runs:

• AI only runs when you initiate Instant Analysis
• View your generated persona in the app
• Delete your persona at any time (Settings > Data Management)

8.2 Accuracy Disclaimer

AI-generated personas and behavioral insights are:

• Approximations: Based on statistical patterns from Gmail and Calendar signals
• Not Guaranteed: May contain errors, inaccuracies, or biases inherent to AI models
• For Informational Use: Not professional advice of any kind
• Intent Scores: Categories include confidence/score ratings (1-10 scale)

8.3 No Reliance

You acknowledge that:

• You should not make important decisions based solely on AI insights
• Results depend on the quality, completeness, and representativeness of your input data
• Categories are targeting approximations used by digital advertisers, not psychological assessments
• We are not liable for decisions you make based on App outputs

9. Fees and Payment

9.1 Current Pricing

Payback is currently free to use. There are no subscription fees, in-app purchases, or hidden costs.

9.2 Future Pricing

We reserve the right to:

• Introduce paid features or subscriptions in the future
• Provide advance notice (30 days minimum) before charging for features
• Grandfather existing users into free tiers (at our discretion)

9.3 Third-Party Costs

You are responsible for:

• Internet/data charges from your carrier
• Google account costs (if applicable)
• Device and operating system requirements

10. Disclaimers and Limitations

10.1 "AS IS" Basis

10.2 No Professional Advice

The App does not provide:

• Financial advice or investment recommendations
• Medical or health advice
• Legal advice or opinions
• Professional consulting of any kind

Consult appropriate professionals for advice in these areas.

10.3 Beta Software Risks

You acknowledge that:

• The App is in beta and may have bugs or incomplete features
• Updates may introduce new bugs or break existing functionality
• Features may be added, changed, or removed without notice
• We do not guarantee backward compatibility

10.4 Third-Party Services

We are not responsible for:

• Google's services (OAuth, Drive API, Gemini AI API)
• Your Google account security or availability
• Changes to third-party APIs, rate limits, or terms
• Third-party service outages or errors
• Backend hosting provider downtime (Railway.app, Render.com)
• Gemini API quota exhaustion or rate limiting

11. Limitation of Liability

11.1 Damages Waiver

11.2 Maximum Liability

In jurisdictions that do not allow exclusion of liability, our total liability to you shall not exceed the greater of:

• (a) $100 USD, or
• (b) The amount you paid us in the 12 months preceding the claim (currently $0)

11.3 Exception

Nothing in these Terms shall limit liability for:

• Death or personal injury caused by negligence
• Fraud or fraudulent misrepresentation
• Any liability that cannot be excluded by law

12. Indemnification

You agree to indemnify, defend, and hold harmless Mile High Interface LLC and its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your use or misuse of the App
• Your violation of these Terms
• Your violation of any laws or third-party rights
• Your data or content
• Unauthorized access to your account or device

13. Dispute Resolution

13.1 Informal Resolution

Before filing a claim, you agree to:

1. Contact us at hello@milehighinterface.com
2. Provide a detailed description of the dispute
3. Attempt to resolve the matter informally for 60 days

13.2 Governing Law

These Terms shall be governed by the laws of:

• Jurisdiction: Colorado, USA
• Excluding: Conflict of law principles
• UN Convention: The UN Convention on Contracts for the International Sale of Goods does not apply

13.3 Arbitration (U.S. Users)

If informal resolution fails, disputes shall be resolved by binding arbitration:

• Forum: American Arbitration Association (AAA)
• Rules: AAA Consumer Arbitration Rules
• Location: Denver, Colorado, USA
• Language: English
• Costs: We will pay arbitration fees for claims under $10,000

13.4 Class Action Waiver

You agree to bring claims only in your individual capacity, not as a class member or representative. Class actions and class arbitrations are not permitted.

13.5 Small Claims Court

You may bring claims in small claims court if they qualify and are brought on an individual basis.

13.6 Exceptions

The following may be brought in court without arbitration:

• Intellectual property disputes
• Claims seeking injunctive relief
• Claims that cannot be arbitrated by law

14. Export Compliance

You agree to comply with all export and import laws of:

• The United States
• Your country of residence
• Any jurisdiction where the App is used

You may not use the App if you are:

• Located in a country subject to U.S. embargo
• On any U.S. government list of prohibited or restricted parties

15. Government Users

If you are a U.S. government entity, the App is a "Commercial Item" as defined in FAR 2.101, and is licensed in accordance with these Terms.

16. Termination

16.1 Termination by You

You may stop using the App at any time by:

• Deleting all data (Settings > Data Management)
• Uninstalling the App from your device

16.2 Termination by Us

We may suspend or terminate your access if:

• You violate these Terms
• You engage in fraudulent or illegal activity
• We discontinue the App (with 30 days notice)
• Required by law or legal process

16.3 Effect of Termination

Upon termination:

• Your license to use the App ends immediately
• You must delete the App from all devices
• Sections 6 (Intellectual Property), 10 (Disclaimers), 11 (Limitation of Liability), 12 (Indemnification), and 13 (Dispute Resolution) survive termination

16.4 Data After Termination

Because all data is stored locally on your device:

• We cannot remotely delete your data
• You are responsible for deleting data before uninstalling
• Uninstalling the App typically deletes all local data

17. Miscellaneous

17.1 Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and Mile High Interface LLC regarding the App.

17.2 Severability

If any provision of these Terms is found invalid or unenforceable, the remaining provisions remain in full force and effect.

17.3 No Waiver

Our failure to enforce any provision does not waive our right to enforce it later.

17.4 Assignment

You may not assign or transfer these Terms. We may assign these Terms to an affiliate or successor without your consent.

17.5 Force Majeure

We are not liable for delays or failures caused by circumstances beyond our reasonable control (e.g., natural disasters, war, pandemics, internet outages).

17.6 Notices

Notices to you may be provided:

• Via in-app notifications
• To the email address associated with your Google account (if provided)
• By posting on our website

Notices to us should be sent to: hello@milehighinterface.com

17.7 Third-Party Beneficiaries

There are no third-party beneficiaries to these Terms.

17.8 Translations

These Terms are written in English. Translations may be provided for convenience, but the English version governs in case of conflict.

18. Contact Information

Company Name: Mile High Interface LLC
Email: hello@milehighinterface.com
Website: https://www.milehighinterface.com/payback
Privacy Policy: https://www.milehighinterface.com/payback/privacy.html
Terms of Service: https://www.milehighinterface.com/payback/terms.html

Mailing Address:
Mile High Interface LLC
[Contact via email for physical address]

Response Time: We aim to respond to inquiries within 5 business days.

19. Apple and Google Terms

19.1 Apple App Store

If you downloaded the App from the Apple App Store:

• Apple is not a party to these Terms
• Apple is not responsible for the App or its content
• Apple has no obligation to provide support
• You must comply with Apple's App Store Terms of Service

In case of conflict with these Terms, Apple's terms prevail regarding your use of the App Store.

19.2 Google Play Store

If you downloaded the App from Google Play:

• Google is not a party to these Terms
• Google is not responsible for the App or its content
• You must comply with Google Play's Terms of Service
• Data deletion requests: https://www.milehighinterface.com/payback/data-deletion.html

20. Open Source

20.1 Open Source Commitment

We plan to open-source Payback in the future to enable:

• Community security audits
• Transparency in data processing
• User trust and verification

Check our GitHub repository for updates: https://github.com/milehighinterface/payback

20.2 Open Source Licenses

The App uses various open source libraries. See package.json and LICENSE files in the source code for details.

---

Acknowledgment

BY USING ÔWN (PAYBACK), YOU ACKNOWLEDGE THAT YOU HAVE READ THESE TERMS OF SERVICE, UNDERSTAND THEM, AND AGREE TO BE BOUND BY THEM.

If you do not agree to these Terms, do not use the App.

---

Questions? Contact us at hello@milehighinterface.com

Last Updated: March 16, 2026
Version: 1.2