1. Acceptance of these terms
These Terms of Service ("Terms") are an agreement between you and Livin LLC ("LIVIN," "we," "us"). By creating an account, subscribing, purchasing, or otherwise using any app in the LIVIN OS family (collectively, the "Service"), you agree to these Terms. If you don't agree, don't use the Service.
2. What LIVIN OS is
LIVIN OS is a collection of connected web apps covering faith, health, wealth, learning, security, and business tools, including but not limited to: AI Life Coach, Bible Study, Nutrition + Cooking, Language Coach, Tax + Wealth Prep, LIVIN Vault, Trading Education, Business Receptionist, Gig Hotspots, LIVIN Academy, 375 AI Prompts, Gear Collection, and CounterOffer. Some apps are free, some require a paid subscription, and some are one-time purchases — pricing and access terms are shown before you pay.
3. Accounts
You must be at least 18 years old to create an account. You're responsible for keeping your login credentials confidential and for all activity under your account. Tell us right away if you suspect unauthorized access. Some apps in the LIVIN OS family share a single sign-on session for your convenience — see our Privacy Policy for how that works.
4. Not professional advice
- Nutrition + Cooking provides estimates and general information only. Calorie/macro estimates from photos are approximate. Consult a doctor or registered dietitian for medical or dietary guidance, especially if you have a health condition.
- Tax + Wealth Prep helps you organize information for review by your own accountant or financial professional. It does not file taxes, does not calculate final tax liability, and is not a substitute for advice from a licensed CPA, EA, or financial advisor.
- Trading Education is pre-recorded educational content about markets, charting, risk management, and trading psychology. It does not provide personalized investment advice, trading signals, or portfolio management, and does not guarantee any financial outcome. Trading involves risk of loss.
- LIVIN Vault is a tool for storing your own credentials. You are solely responsible for remembering your master password and safeguarding your recovery key — see our Privacy Policy for why we cannot recover it for you.
5. AI-generated content
Many features use a third-party AI provider to generate responses (meal plans, cooking guidance, coaching conversations, negotiation drafts, tax-organization checklists, and similar). AI-generated content can be incomplete, inaccurate, or wrong. You are responsible for verifying anything important before relying on it.
6. Subscriptions, billing & refunds
Paid features are billed through Stripe. Subscription price, billing frequency, and cancellation terms are shown before checkout. You can cancel a subscription at any time; cancellation stops future billing but does not automatically refund the current period unless our Refund Policy says otherwise. See that policy for the specific rules for each product.
7. Acceptable use
You agree not to:
- Use the Service for anything illegal, fraudulent, or to violate another person's rights;
- Attempt to access another user's account or data without authorization;
- Reverse-engineer, scrape, or resell the Service without our written permission;
- Upload content that is unlawful, infringing, or that you don't have the right to share;
- Use the AI features to generate content that is illegal, abusive, or intended to harm someone;
- Interfere with the Service's normal operation (e.g. attempting to overwhelm rate limits, exploit vulnerabilities).
8. Intellectual property
LIVIN OS — including its software, design, course content, and branding — is owned by Livin LLC or its licensors and protected by intellectual property law. These Terms give you a personal, non-transferable license to use the Service; they don't sell you any ownership in it. LIVIN Academy course content and 375 AI Prompts are licensed for your own use (and, where explicitly stated, commercial use of outputs you generate) — not for resale or redistribution of the course/prompt materials themselves.
9. Your content
You keep ownership of the content you submit (photos, journal entries, negotiation details, etc.). By submitting content to an AI-powered feature, you authorize us to send it to our AI provider solely to generate your response, as described in our Privacy Policy. We don't claim ownership of your content and don't use it to train our own models.
10. Business Layer / custom services
Custom/enterprise engagements (e.g. Business Receptionist deployments for your company) are governed by a separate Master Service Agreement and, where applicable, a Data Processing Agreement, in addition to these Terms.
11. Suspension & termination
We may suspend or terminate your access if you violate these Terms, or for security or legal reasons. You may stop using the Service and close your account at any time. Sections that by their nature should survive termination (ownership, disclaimers, liability limits, dispute resolution) will survive.
12. Disclaimers
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT GUARANTEE THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT AI-GENERATED CONTENT WILL BE ACCURATE.
13. Limitation of liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, LIVIN LLC WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS OR DATA, ARISING FROM YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM WILL NOT EXCEED THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM AROSE, OR $100 IF YOU HAVEN'T PAID US ANYTHING.
Some jurisdictions don't allow these limitations, in which case they apply only to the extent permitted.
14. Indemnification
You agree to defend and indemnify Livin LLC against claims arising from your misuse of the Service or violation of these Terms.
15. Governing law & disputes
These Terms are governed by the laws of [INSERT STATE OF FORMATION], without regard to conflict-of-law rules. [PLACEHOLDER — decide with counsel whether to include a binding arbitration clause and/or class-action waiver here; both are common in consumer SaaS terms but have real tradeoffs worth discussing before adding.]
16. Changes to these terms
We may update these Terms as the Service changes. We'll update the "Last updated" date, and for material changes we'll provide more prominent notice.
17. Contact
Questions about these Terms: livin613support@protonmail.com
Livin LLC — [INSERT BUSINESS ADDRESS / STATE OF FORMATION]