1. Acceptance and scope
These public product terms describe authorized use of Golden Ratio Investing Tools. The current public developer record identifies Zhiyuan Jiang, publishing under the Jiang Finance brand. The exact legal contracting name for a Custom EULA or standalone negotiated contract remains subject to publisher confirmation. By using an authorized copy, you agree to these terms together with the applicable store terms and the product Privacy Policy. If you do not agree, do not use the product.
2. Current release boundary
Available through the App Store in selected regions. Roadmaps, screenshots and internal build records describe current work; they do not promise a release date, feature or continued availability.
3. Permitted use and product responsibility
Use the product only for its stated purpose and within its current release boundary.
You are responsible for lawful use, appropriate device security, reliable backups and any decision you make from product output. Do not probe, bypass or interfere with access controls, signing, purchase verification or service security.
4. License and distribution
An authorized App Store copy is licensed, not sold, for personal use under Apple’s applicable licensed-application terms and the rules of the storefront used to obtain it.
5. Purchases
The current Registry records a free download with Annual Pro option as a subscription purchase and Lifetime Pro option as a one-time purchase. Apple processes App Store transactions, payment credentials, taxes and refund requests under Apple’s terms.
6. Content and intellectual property
The product interface, original editorial structure and original software remain the Publisher’s intellectual property. Third-party titles, images, quotations, source records, trademarks and datasets remain subject to their respective rights, attribution and license notices. A citation or link does not transfer ownership.
7. Availability, warranty and liability
To the maximum extent permitted by applicable law, the product is provided “as is” and “as available,” without a promise that it will be uninterrupted, error-free or suitable for a particular outcome. The Publisher is not liable for indirect or consequential loss, including loss of data or decisions made from product output, except where liability cannot legally be excluded.
8. Suspension and termination
Access may be suspended or terminated for unlawful use, security abuse, infringement or violation of applicable distribution terms. Sections concerning intellectual property, disclaimers, liability and governing terms survive termination where applicable.
9. Changes
Material changes will be published on this page with an updated date. A product update may require acceptance of revised terms where the distribution channel or applicable law requires it.
10. Apple license terms
For an Apple-distributed version, Apple’s standard Licensed Application End User License Agreement applies unless the Publisher separately configures a Custom EULA in App Store Connect. This webpage does not itself configure or replace a Custom EULA.
11. Governing terms
TODO — publisher confirmation required: confirm the exact contracting name, governing-law, venue and any mandatory local consumer-rights wording before using these web terms as a Custom EULA or standalone negotiated contract. Mandatory rights that cannot be waived remain unaffected.
12. Contact
Public developer record: Zhiyuan Jiang (Jiang Finance)
Email: [email protected]
Privacy policy: https://www.jiangfinance.com/privacy/goldenratio/