Terms of Use

1. Eligibility & Account

• Age: You must be at least 13 years old to use the Service. If you are under 18, you must have permission from a parent or legal guardian who agrees to these Terms on your behalf.
• Capacity: You represent that you have the legal capacity to enter into these Terms and are not barred from using the Service under applicable laws.
• Accurate Information: You agree to provide accurate, current information and to keep it updated.
• Security: You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. Notify us immediately of suspected unauthorized access.
• Account Protection: You agree to use reasonable safeguards for your account and devices. We may require re-authentication, password resets, additional verification, or temporary suspension where we believe it is needed to protect you, other users, or the Service.
• Information About Others: Do not submit another person's personal information, consumer health data, images, recordings, private communications, or confidential information unless you have all rights, notices, consents, and authority required by law.

2. Health, Wellness & AI Disclaimers

2.1 Not Medical Care; No Professional Relationship

Habit of Living provides self-guided wellness tools (e.g., journaling, goal tracking, habit coaching, reminders, educational content) and may provide AI-assisted suggestions. The Service does not provide medical advice, diagnosis, treatment, psychotherapy, counseling, or emergency services. Your use of the Service does not create a therapist-client, doctor-patient, or other professional relationship with Camus LLC or Habit of Living. A professional you independently connect with may have a separate relationship with you under that professional's own terms, notices, consent process, and legal duties; Camus LLC is not a party to that professional relationship.

2.2 Crisis / Emergency Disclaimer

The Service is not designed for, and should not be used for, emergencies or crisis situations. Communications may not be monitored in real time. If you are in immediate danger, call your local emergency number (e.g., 911 in the U.S.) or contact crisis support resources (e.g., 988 in the U.S.).

Even where a feature includes safety language, escalation options, or human review, we do not guarantee detection, monitoring, response, rescue, or intervention for any crisis, medical issue, or risk of harm.

2.3 AI-Assisted Features

The Service may include AI-assisted tools (including "AI assistants" or "AI therapists"). AI outputs can be incorrect, incomplete, biased, offensive, or unsuitable. You are solely responsible for how you interpret and use any output. Do not rely on AI outputs for medical, legal, financial, safety, or other high-stakes decisions.

• No Guarantees: We do not guarantee that AI outputs are accurate, reliable, or appropriate for you.
• Independent Judgment: You agree to use your own judgment and, when appropriate, consult qualified professionals.
• No Regulated or High-Risk Use: The Service and AI outputs are not medical devices, clinical decision support tools, diagnostic tools, or substitutes for professional judgment. Do not use them to make medical, legal, financial, employment, insurance, credit, housing, benefits, eligibility, safety-critical, or other high-stakes decisions about yourself or others.
• No Monitoring Guarantee: AI tools may fail to detect distress, harmful intent, inaccurate information, or unsafe recommendations, and they are not a substitute for emergency services or professional care.

2.4 Not HIPAA-Covered

Unless we expressly agree otherwise in a written contract, Habit of Living is not a "covered entity" or "business associate" under the U.S. Health Insurance Portability and Accountability Act (HIPAA). Please do not submit information you consider protected health information (PHI) under HIPAA if you do not want it processed as described in our Privacy Policy.

Information you provide may still be sensitive or regulated under other privacy laws, including state consumer health data laws. Our Privacy Policy and separate Consumer Health Data Privacy Policy explain how we collect, use, share, retain, and protect this information and how to exercise applicable rights.

3. Mental Health Manager Feature

If you use the Mental Health Manager feature (the "Manager Feature"), these additional terms apply:

3.1 Non-Clinical Service

The Manager Feature is a structured wellness and accountability support tool. It is not medical care, therapy, or mental health treatment.

• Managers are guides/coordinators and are not licensed mental health professionals unless we explicitly state otherwise in writing.
• Managers do not provide psychotherapy, diagnosis, prescription, or medical treatment.
• Using the Manager Feature does not create a therapist-client, doctor-patient, or other clinical treatment relationship.

3.2 AI-Assisted Experience

• Managers and the Manager Feature may use AI tools to summarize, organize, and draft content based on information you provide.
• AI outputs can be incomplete, inaccurate, biased, or inappropriate. You agree to use your own judgment and to verify information before acting on it.
• You are responsible for decisions you make based on the Manager Feature or any AI-assisted outputs.

3.3 Safety & Escalation

If we believe (in our discretion) that there is a risk of harm to you or others, we may take actions we deem appropriate, including: (a) encouraging you to contact emergency services; (b) pausing or terminating access to the Manager Feature; and/or (c) contacting emergency responders or other authorities to the extent we believe is necessary or permitted by law.

Any safety action is discretionary. We do not assume a duty to monitor, investigate, intervene, contact authorities, or rescue any person in every situation.

3.4 Data & Privacy

• Information you share through the Manager Feature may be visible to an assigned manager and processed by AI tools to provide and improve the feature.
• We handle your information in accordance with our Privacy Policy.
• We may retain records of interactions for safety, quality assurance, analytics, fraud prevention, and legal/compliance purposes.

4. Subscriptions, Billing, Refunds

4.1 Paid Features

Some features require payment ("Paid Features"). The amount due today, recurring price, billing interval, included features, and any trial or promotion are displayed immediately before purchase. Taxes may be added where required.

4.2 Auto-Renewal

Unless the checkout expressly says otherwise, a subscription renews automatically at the displayed recurring price and cadence until canceled. Before a web purchase, you must separately and expressly authorize the initial charge and automatic renewal. We retain evidence of that authorization. We charge at the beginning of each renewal period.

You may cancel an eligible web subscription through the available account billing controls or Stripe billing portal before the next renewal. Cancellation ordinarily takes effect at the end of the current paid period, and no later recurring charge should occur after it becomes effective. If you purchase through Apple App Store or Google Play, billing and cancellation are handled through that store under its terms. Nothing limits a nonwaivable cancellation or renewal right.

4.3 Payment Authorization; Failed Payments; Partial Collections

By purchasing a Paid Feature, you authorize us and our payment processors to charge your selected payment method for amounts due, including recurring subscription charges and any applicable taxes/fees.

If a payment is declined, reversed, or otherwise fails, you authorize us and our payment processors to retry charges and to collect less than the full amount due as one or more partial payments (for example, collecting part of an outstanding invoice and collecting the remainder later) where permitted by law. Any unpaid balance remains due until paid in full, and we may suspend or limit access to Paid Features while amounts remain outstanding.

4.4 Refunds

All payments are final and non-refundable except where required by law or expressly stated at purchase. If you purchased through an app store, refund requests must be submitted to that store.

4.5 Taxes

You are responsible for applicable taxes, duties, or other governmental charges associated with your purchase, except where we are required to collect them.

4.6 Price Changes, Promotions, and Payment Disputes

We may change Paid Features, prices, and billing terms prospectively. We will give advance notice of a recurring-price or cadence change and obtain renewed consent where required by law; you may cancel before the change takes effect. Promotional offers are subject to the conditions disclosed with the offer and may be modified, suspended, or withdrawn where permitted by law. If a charge is disputed, reversed, or charged back, we may suspend or limit Paid Features while we investigate or resolve the payment issue.

5. User Content & Community Rules

5.1 Your Content

"User Content" includes anything you submit or make available through the Service (e.g., journal entries, messages, audio, images, prompts, profile data). You retain ownership of your User Content, subject to the license you grant below.

5.2 License You Grant Us

To operate and improve the Service, you grant Habit of Living a worldwide, non-exclusive, royalty-free, sublicensable, transferable license to host, store, reproduce, process, analyze, translate, adapt, publish (for you), display, and distribute your User Content solely to: (a) provide and maintain the Service; (b) secure, debug, and improve the Service; (c) personalize outputs and experiences; (d) comply with law; and (e) enforce these Terms.

Where permitted by law, we may also use de-identified and aggregated information derived from User Content to conduct research and to develop, improve, and benchmark products and AI systems.

5.3 Your Responsibilities

• You represent you have all rights needed to submit your User Content and that it does not violate law or third-party rights.
• If User Content includes information about another person, you are responsible for providing required notices and obtaining required permissions before submitting it.
• You are responsible for backing up anything important. We do not guarantee storage or availability of User Content.

5.4 Prohibited Conduct

You agree not to:

• Use the Service for unlawful, harmful, abusive, harassing, discriminatory, deceptive, or fraudulent purposes.
• Post or transmit content that is illegal, infringing, or that violates privacy, publicity, or intellectual property rights.
• Attempt to reverse engineer, scrape, probe, attack, overload, or disrupt the Service, including via automated scripts or bots.
• Introduce malware or attempt to gain unauthorized access to accounts, systems, or data.
• Submit, upload, or process another person's personal information, sensitive information, or consumer health data without lawful authority and required consent.
• Attempt to extract system prompts, model weights, training data, credentials, secrets, or non-public information, or to bypass usage limits, safety controls, or access controls.
• Use the Service or AI outputs for regulated, high-risk, or automated decisions about medical care, employment, insurance, credit, housing, benefits, eligibility, law enforcement, or public safety.
• Use the Service to provide professional services to others (e.g., therapy, counseling, medical advice) unless authorized by us in writing.
• Use the Service in a way that creates or increases risk of harm to yourself or others.

5.5 Moderation; Enforcement

We may (but are not obligated to) monitor, remove, restrict, suspend, or terminate access to User Content or accounts at any time, with or without notice, for any reason, including to enforce these Terms, reduce risk, or comply with law.

5.6 Copyright / DMCA

If you believe content on the Service infringes copyright, send a notice to Camus LLC, Attn: Copyright Agent, 1141 N. Martin Luther King Jr. Drive, Milwaukee, WI 53203, and dmca@habitofcare.com. Include: (1) identification of the copyrighted work; (2) identification and location of the material; (3) your contact information; (4) a good-faith statement; (5) a statement under penalty of perjury that the notice is accurate and you are authorized to act; and (6) your physical or electronic signature. We may remove material, process a compliant counter-notice, restore material when appropriate, and terminate repeat infringers.

6. Rewards, Points & Shipping

The Service may offer points, credits, and rewards ("Rewards") as promotional features. Rewards have no cash value, are not transferable, and may not be sold, exchanged, or bartered.

Paid physical-product and gift-box orders are also governed by the version of our Product Purchase and Gift Terms presented at checkout.

• Changes & Availability: Rewards, point requirements, and availability may change or end at any time.
• Fraud / Abuse: We may withhold, cancel, or reverse points or rewards (and suspend accounts) if we suspect abuse, manipulation, or fraud.
• Shipping Risk: Where permitted by law, we are not responsible for delays, loss, theft, customs issues, incorrect addresses provided by you, or carrier failures.
• Taxes / Duties: You are responsible for applicable taxes, duties, and fees related to rewards shipments.
• No Warranty on Rewards: Rewards are provided "as is" and may be subject to manufacturer warranties only, if any.

7. Intellectual Property & License

7.1 Our Materials

The Service (including text, graphics, UI, code, audio, video, and design) is owned by Habit of Living or its licensors and is protected by intellectual property laws. Except as expressly allowed, you may not copy, modify, distribute, sell, lease, reverse engineer, or create derivative works from the Service.

7.2 Limited License to You

Subject to your compliance with these Terms, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial use.

7.3 Feedback

If you provide ideas, suggestions, or feedback, you grant us a perpetual, irrevocable, worldwide, royalty-free right to use them without compensation or attribution.

8. Third-Party Services & App Stores

The Service may integrate with or rely on third-party services (e.g., hosting, analytics, payment processing, AI providers). Your use of third-party services may be governed by their terms and privacy policies.

We are not responsible for third-party services, third-party content, or third-party failures, and we do not control how third parties process information that you provide directly to them or direct us to share with them.

8.1 App Stores

If you obtain the app through Apple App Store or Google Play, these Terms are between you and Camus, not the store. Camus, not the store, is responsible for the app, its content, maintenance and support, and addressing claims concerning the app, including product-liability, consumer-protection, privacy, legal-compliance, and intellectual-property claims, to the extent these Terms or law assign that responsibility. For an intellectual-property infringement claim concerning an Apple-distributed app, Camus, not Apple, is responsible for investigation, defense, settlement, and discharge. You must comply with the store's applicable usage rules, account terms, and any applicable wireless-data or other third-party agreement.

For an Apple-distributed app: (a) the license is limited to Apple-branded products you own or control as permitted by the Apple Media Services Terms and applicable Family Sharing or volume-purchase rules; (b) Apple has no support obligation; (c) if the app fails an applicable warranty, you may notify Apple and Apple may refund the app purchase price, if any, with no other Apple warranty obligation to the maximum extent permitted by law; (d) you represent that you are not in an embargoed country or on a prohibited-party list; and (e) Apple and its subsidiaries are third-party beneficiaries of this Section and may enforce it after your acceptance. No store is responsible for subscription refunds or remedies except as its own terms or law require.

9. Suspension & Termination

We may suspend or terminate your access to the Service at any time, with or without notice, including if we believe you violated these Terms, create risk, or for business reasons. You may stop using the Service at any time.

Upon termination, your license ends, and we may delete or restrict access to your User Content, subject to our retention policies and legal obligations.

10. Disclaimers, Liability Limits, Indemnity

10.1 Disclaimer of Warranties

TO THE FULLEST EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, SECURITY, RELIABILITY, OR AVAILABILITY.

10.2 Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, HABIT OF LIVING AND ITS AFFILIATES, OFFICERS, EMPLOYEES, CONTRACTORS, AND LICENSORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR INTERRUPTION.

TO THE FULLEST EXTENT PERMITTED BY LAW, OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID TO US FOR THE SERVICE IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM OR (B) USD $100.

10.3 Assumption of Risk; Release

You acknowledge that wellness and mental health-related tools may involve sensitive topics and emotional responses. You voluntarily assume all risks arising from your use of the Service and, to the maximum extent permitted by law, release Habit of Living from claims arising from your use, including reliance on AI outputs or non-clinical guidance.

10.4 Indemnification

To the fullest extent permitted by law, you agree to indemnify, defend, and hold harmless Habit of Living and its affiliates, officers, employees, contractors, and licensors from and against any claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your use of the Service; (b) your User Content; (c) your violation of these Terms; or (d) your violation of any law or third-party rights.

Some jurisdictions do not allow certain limitations. In those jurisdictions, some of the above may not apply to you.

11. Dispute Resolution (Arbitration) & Class Action Waiver

11.1 Informal Resolution First

Before filing a claim, the complaining party must send an individualized, personally signed notice to contact@habitofliving.com and the mailing address in Section 13. The notice must identify the parties and account, explain the facts and legal basis, and state the requested relief. The parties will allow 30 days for good-faith resolution and participate in a conference if requested. This is a condition precedent to arbitration or litigation; any limitations period is tolled during that period.

11.2 Binding Arbitration

Except for an eligible individual small-claims matter or a request for urgent injunctive relief concerning intellectual property, confidentiality, security, or unauthorized access, any dispute arising out of or relating to the Service or these Terms will be resolved by final, binding, individual arbitration administered by the American Arbitration Association ("AAA") under its then-current Consumer Arbitration Rules. The Federal Arbitration Act governs. If AAA is unavailable, a court with jurisdiction will select a substantially similar administrator. Except for questions expressly reserved for a court below, the arbitrator has exclusive authority to decide disputes about the interpretation, applicability, enforceability, or formation of this arbitration provision. The arbitrator may award the same individual relief a court could award, but may not preside over a class, collective, coordinated, consolidated, or representative action. We will pay fees we are required to pay for this provision to be enforceable.

Notwithstanding anything else in these Terms, a person alleging conduct constituting a sexual-assault or sexual-harassment dispute may elect for the case to proceed in court to the extent provided by 9 U.S.C. §§ 401–402. A court, not an arbitrator, will determine whether that federal chapter applies as federal law requires. We will not enforce a predispute arbitration agreement or joint-action waiver where that election makes it invalid or unenforceable.

11.3 Class Action Waiver

YOU AND HABIT OF LIVING AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN AN INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, COORDINATED, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. TO THE FULLEST EXTENT PERMITTED BY LAW, EACH PARTY ALSO WAIVES A JURY TRIAL FOR ANY DISPUTE THAT PROCEEDS IN COURT.

Nothing waives a nonwaivable right to seek public injunctive relief in court. A court, not the arbitrator, will decide the enforceability of this waiver and whether a claim seeks nonwaivable public injunctive relief. If the waiver is unenforceable for a particular claim or remedy, that claim or remedy will be severed and proceed in court after completion of any arbitrable individual claims, unless applicable law requires a different sequence; the remaining claims and this arbitration provision remain enforceable.

11.4 Opt-Out

You may opt out of arbitration by sending an email to contact@habitofliving.com within 30 days of first accepting these Terms, with the subject line "Arbitration Opt-Out" and including your name, the email associated with your account, and a clear statement that you want to opt out.

11.5 Governing Rules; Location

The hearing will occur remotely or at a reasonably convenient location as required by the AAA Consumer Arbitration Rules and applicable law. Otherwise, Dane County, Wisconsin is the arbitration location. If a dispute is not subject to arbitration, exclusive venue is in the state or federal courts located in Dane County, Wisconsin, except for an eligible small-claims matter.

12. Miscellaneous

• Additional Terms: Certain features, programs, integrations, or offers may have additional terms. If there is a conflict, the additional terms govern for that feature, program, integration, or offer.
• Governing Law: These Terms are governed by the laws of the State of Wisconsin, excluding conflict-of-law rules, except that the Federal Arbitration Act governs Section 11.
• Claim deadline: To the extent permitted by law, a claim must be filed within one year after it arose or it is permanently barred; a legally required longer period controls.
• Changes: We may update these Terms prospectively. We will update the date above and provide additional notice or renewed acceptance when required by law or when a change materially reduces rights or increases obligations. If you disagree, stop using and cancel the affected Service before the change takes effect.
• Electronic Communications: You consent to receive notices electronically (e.g., in-app, email). Electronic notices satisfy legal notice requirements.
• Export and Sanctions: You may not use the Service if you are prohibited from doing so under U.S. export control, sanctions, or other applicable laws.
• Assignment: You may not assign these Terms without our consent. We may assign them as part of a merger, acquisition, or asset sale.
• Force Majeure: To the fullest extent permitted by law, we are not liable for delay or failure caused by events beyond our reasonable control, including internet, hosting, utility, labor, civil-authority, disaster, epidemic, war, or third-party platform failures; this does not excuse obligations that cannot lawfully be limited.
• Third-Party Beneficiaries: There are no third-party beneficiaries except an app store and its subsidiaries to the extent expressly stated in Section 8.1.
• Severability: If any provision is unenforceable, the rest remains in effect.
• No Waiver: Failure to enforce a right is not a waiver.
• Survival: Sections that by their nature should survive termination will survive, including sections on ownership, User Content licenses, payments due, disclaimers, liability limits, indemnity, dispute resolution, and miscellaneous terms.
• Entire Agreement: These Terms, the Privacy Policy, the Consumer Health Data Privacy Policy, and applicable service-specific checkout or supplemental terms are the entire agreement between you and Habit of Living regarding the Service.

13. Contact

Questions about these Terms? Contact us: