Terms of Use

Acceptance

By downloading or using COOPER you accept these terms. If you do not agree with them, do not use the app. Your use is also subject to Apple’s standard Licensed Application End User License Agreement, which applies to every app distributed on the App Store.

What COOPER is — and what it is not

COOPER is a personal bookkeeping tool. It records what you tell it, and does arithmetic on it.

• It is not financial, investment, tax or legal advice.
• It is not a bank, a payment service or a broker, and it never moves real money.
• It does not connect to your bank accounts.
• The savings Ladder is an educational method, not a recommendation tailored to your circumstances.

What you decide to do with your money is yours to decide. Before acting on anything that matters, consult a qualified professional.

Licence

You get a personal, non-exclusive, non-transferable licence to use COOPER on devices you own or control, as permitted by the App Store terms. You may not resell it, rent it, decompile it, or redistribute its content or design. COOPER™, its name, its visual identity and the contents of this site belong to their author and are protected by copyright and trademark law.

Free version and COOPER Pro

COOPER is free to download and free to use for logging and for your monthly Dashboard. COOPER Pro is a single non-consumable in-app purchase of €4.99 that permanently unlocks the features listed on the pricing section of this site. It is not a subscription: nothing recurs and nothing expires.

• The purchase is tied to your Apple Account, and Family Sharing is enabled.
• Reinstalled the app? “Restore purchases” in Settings brings it back.
• Prices may change for future buyers; a purchase already made is never revoked.

Payments, refunds and withdrawal

Apple is the seller of record. All payments, invoices and refunds are handled by Apple under its own terms, so a refund request goes to Apple (reportaproblem.apple.com), not to the developer.

As digital content delivered immediately, the statutory 14-day right of withdrawal ceases to apply once delivery has begun, under article 16(m) of EU Directive 2011/83 and article 103(m) of the Spanish consumer law (RDL 1/2007). This does not affect Apple’s own, more generous refund practice, nor your legal guarantee of conformity if the product is faulty.

No warranty, and liability

COOPER is provided “as is”. It is built carefully and its calculation engines are covered by automated tests, but no software is free of defects, and it comes with no warranty that it will be uninterrupted or error-free.

To the fullest extent permitted by law, the developer is not liable for indirect or consequential damage, for lost profit, or for financial decisions taken on the basis of the app. Nothing here limits liability for wilful misconduct or gross negligence, nor any liability that cannot be excluded under Spanish consumer law — your statutory guarantee of conformity included.

Your data is your responsibility

Because COOPER stores everything on your device and nowhere else, there is no copy anyone can restore for you. Deleting the app, losing the device or resetting it destroys the records. Export a backup regularly — Settings → Backup — and keep it somewhere safe.

Availability and changes

Features may be added, changed or withdrawn between versions, and support is limited to what is reasonable for a product maintained by one person. These terms may be updated; the version in force is the one published on this page, with its date at the top.

Applicable law

Spanish law applies. If you are a consumer resident in the European Union you keep the protection of the mandatory rules of your country of residence, and may bring proceedings before its courts. The European Commission’s online dispute resolution platform is available at ec.europa.eu/consumers/odr.

Contact

Any question about this document — write to sarriovsergi@gmail.com.