Legal

1. Introduction

Tsar App ("Company," "we," "us," or "our") operates the GhostApp software application and the website tsarchat.com (collectively, the "Service"). This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you use our Service. By accessing or using the Service, you agree to the terms of this Privacy Policy.

2. Information We Collect

2.1 Account Information

When you create an account we collect your name, email address, and authentication credentials provided through Google sign‐in or email/password registration via Firebase Authentication.

2.2 Payment Information

We use Stripe as our payment processor. When you subscribe to a paid plan, your payment card details are collected and processed directly by Stripe. We do not store your full credit card number on our servers. We retain only the information Stripe provides to us, such as the last four digits of your card, card brand, expiration date, and billing address.

2.3 Device Information

To enforce per‐user device limits we collect a device identifier, operating system type, and a periodic heartbeat signal. Device identifiers are derived locally and do not contain personally identifiable hardware serial numbers.

2.4 Usage & Analytics Data

We use Google Analytics to collect anonymized usage data such as pages visited, session duration, and referral source. This data is aggregated and cannot be used to identify you personally.

2.5 Data Processed Locally

Screen captures and audio captured by the GhostApp desktop application are processed entirely on your local device. This data is sent directly from your device to the third‐party LLM provider you have selected (e.g., OpenAI, Anthropic, Google, xAI, Groq) and is never transmitted to or stored on our servers.

3. How We Use Your Information

• To create and manage your account.
• To process payments and manage subscriptions.
• To enforce device limits under your subscription plan.
• To send transactional emails (receipts, password resets, account alerts).
• To improve, maintain, and monitor the performance of the Service.
• To comply with legal obligations and enforce our Terms of Service.

4. Third‐Party Service Providers

We share information only with the following categories of providers, solely for the purposes described:

• Firebase (Google Cloud) — authentication, database, and hosting.
• Stripe — payment processing and subscription management.
• Google Analytics — anonymized website usage analytics.
• LLM Providers (OpenAI, Anthropic, Google, xAI, Groq) — your prompts and screen/audio context are sent directly from your device to the provider you choose. We do not intermediate or store this data.

We do not sell, rent, or trade your personal information to any third party for marketing purposes.

5. Data Retention

We retain your account information for as long as your account is active or as needed to provide the Service. If you delete your account, we will delete or anonymize your personal data within 30 days, except where retention is required by law or for legitimate business purposes (e.g., resolving disputes, enforcing agreements).

6. Data Security

We implement industry‐standard security measures including encryption in transit (TLS), encryption at rest, secure credential storage via OS‐level keychains, and access‐controlled cloud infrastructure. However, no method of transmission over the Internet or electronic storage is 100% secure, and we cannot guarantee absolute security.

7. Your Rights

Depending on your jurisdiction, you may have the right to:

• Access the personal data we hold about you.
• Request correction of inaccurate data.
• Request deletion of your data.
• Object to or restrict certain processing.
• Data portability.

To exercise any of these rights, contact us at privacy@tsarchat.com. We will respond within 30 days.

8. Children's Privacy

The Service is not intended for individuals under the age of 18. We do not knowingly collect personal information from anyone under 18. If we learn that we have collected data from a minor, we will delete it promptly.

9. Cookies & Tracking Technologies

We use essential cookies for authentication and session management. Google Analytics may set performance cookies to help us understand usage patterns. You can control cookie preferences through your browser settings.

10. Changes to This Policy

We may update this Privacy Policy from time to time. We will notify you of material changes by posting the updated policy on this page and updating the "Last updated" date. Your continued use of the Service after changes constitutes acceptance of the revised policy.

1. Agreement to Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and Tsar App ("Company," "we," "us," or "our"), a company organized under the laws of the State of Florida, United States. By accessing or using the GhostApp software application, the website at tsarchat.com, or any related services (collectively, the "Service"), you agree to be bound by these Terms. If you do not agree, do not use the Service.

2. Eligibility

You must be at least 18 years of age to use the Service. By using the Service, you represent and warrant that you meet this requirement and have the legal capacity to enter into these Terms.

3. Account Registration

To access certain features you must create an account. You agree to provide accurate, current, and complete information, and to keep your credentials secure. You are responsible for all activity that occurs under your account. You must notify us immediately at support@tsarchat.com if you suspect unauthorized access.

4. Subscription Plans & Payments

4.1 Plans

The Service offers paid subscription plans (Weekly, Monthly, and Lifetime) as described on our Pricing page. Features and pricing are subject to change; however, changes will not apply to your current billing cycle.

4.2 Billing

Recurring subscriptions are billed in advance on a weekly or monthly basis through Stripe. By subscribing, you authorize us to charge your payment method on each renewal date. Lifetime plans are billed as a single one‐time payment.

4.3 Cancellation

You may cancel your subscription at any time from your account dashboard. Cancellation takes effect at the end of the current billing period. You will retain access until that date. No partial‐period refunds are issued for cancellations.

4.4 Price Changes

We reserve the right to change our prices. We will provide at least 30 days' notice of any price increase. If you do not agree to the new pricing, you may cancel before the next billing cycle.

5. Device Limits

Each subscription is limited to a maximum number of simultaneously registered devices as defined in your plan (default: 2 devices). Exceeding this limit will require you to deactivate an existing device before registering a new one.

6. Fair Use & Intended Purpose

The Service is a productivity and meeting‐preparation tool designed to assist users in organizing thoughts, retrieving information, and improving communication during professional meetings. The Service is provided solely for lawful, ethical, and fair‐use purposes. You acknowledge and agree that:

• You are solely responsible for how you use the Service and for ensuring your use complies with all applicable laws, regulations, contractual obligations, and institutional policies that apply to you.
• You will not use the Service for any fraudulent, deceptive, dishonest, or unethical purpose, including but not limited to misrepresenting your qualifications, violating non‐disclosure agreements, or breaching any duty of good faith.
• The Company does not encourage, endorse, or condone any use of the Service that violates the rules, policies, or codes of conduct of any employer, institution, platform, or governing body.
• You bear full and exclusive responsibility for any consequences resulting from your use of the Service. The Company shall have no liability whatsoever for any outcomes, decisions, or actions you take based on or in connection with the Service.

7. Acceptable Use Restrictions

You agree not to:

• Reverse‐engineer, decompile, disassemble, or attempt to derive the source code of the Service.
• Redistribute, sublicense, resell, or share your account credentials with any third party.
• Use the Service to engage in any activity that violates applicable law or regulation.
• Use the Service in any manner that is unethical, deceptive, or that could cause harm to any third party.
• Attempt to circumvent any security measures, rate limits, or access controls of the Service.
• Use automated means (bots, scrapers) to access the Service outside of the intended interfaces.
• Transmit malware, viruses, or any destructive code through the Service.
• Use the Service in a way that violates the terms of service of any third‐party platform, employer, or institution.

Violation of these restrictions may result in immediate suspension or termination of your account without refund and without prior notice.

8. Assumption of Risk

YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. THE COMPANY IS A TECHNOLOGY PROVIDER AND DOES NOT CONTROL, DIRECT, OR ASSUME RESPONSIBILITY FOR HOW YOU USE THE SERVICE. YOU ASSUME FULL RESPONSIBILITY FOR ALL RISKS ASSOCIATED WITH YOUR USE, INCLUDING BUT NOT LIMITED TO ANY IMPACT ON YOUR PROFESSIONAL STANDING, EMPLOYMENT, ACADEMIC STATUS, OR REPUTATION. THE COMPANY MAKES NO GUARANTEES REGARDING ANY OUTCOMES, RESULTS, OR BENEFITS FROM USING THE SERVICE.

9. Intellectual Property

All content, code, trademarks, logos, and intellectual property associated with the Service are and remain the exclusive property of Tsar App. Your subscription grants you a limited, non‐exclusive, non‐transferable, revocable license to use the Service for personal, non‐commercial purposes during your subscription period.

10. Third‐Party Services

The Service integrates with third‐party LLM providers (OpenAI, Anthropic, Google, xAI, Groq, and others). Your use of those providers is subject to their respective terms and privacy policies. We are not responsible for the output, accuracy, availability, or conduct of any third‐party provider. Any reliance you place on third‐party outputs is strictly at your own risk.

11. No Guaranteed Outcomes

The Service is an informational and productivity tool only. We make no representations, warranties, or guarantees that use of the Service will result in any particular outcome, including but not limited to job offers, promotions, passing meetings, academic success, or any professional or financial benefit. Any decisions you make based on information provided through the Service are made entirely at your own discretion and risk.

12. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION ANY WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON‐INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR‐FREE, SECURE, OR THAT ANY CONTENT OR OUTPUT GENERATED THROUGH THE SERVICE WILL BE ACCURATE, COMPLETE, OR RELIABLE. YOU ACKNOWLEDGE THAT AI MODELS CAN PRODUCE INCORRECT, INCOMPLETE, OR MISLEADING INFORMATION AND YOU SHOULD INDEPENDENTLY VERIFY ALL OUTPUTS.

13. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL TSAR APP, ITS OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AFFILIATES, OR LICENSORS BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, EMPLOYMENT OPPORTUNITIES, PROFESSIONAL STANDING, OR REPUTATION, ARISING OUT OF OR RELATED TO YOUR USE OF OR INABILITY TO USE THE SERVICE, REGARDLESS OF THE THEORY OF LIABILITY (INCLUDING CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE), EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

WITHOUT LIMITING THE FOREGOING, OUR TOTAL AGGREGATE LIABILITY FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE LESSER OF (A) THE AMOUNT YOU ACTUALLY PAID US IN THE THREE (3) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100.00).

THE COMPANY SHALL HAVE NO LIABILITY WHATSOEVER FOR ANY DAMAGE, LOSS, OR CONSEQUENCE ARISING FROM YOUR USE OF THE SERVICE IN ANY CONTEXT, INCLUDING BUT NOT LIMITED TO PROFESSIONAL, ACADEMIC, EMPLOYMENT, OR PERSONAL SETTINGS. YOU USE THE SERVICE ENTIRELY AT YOUR OWN RISK.

14. Indemnification

You agree to indemnify, defend, and hold harmless Tsar App and its affiliates, officers, directors, employees, agents, licensors, and service providers from and against any and all claims, liabilities, damages, judgments, awards, losses, costs, and expenses (including reasonable attorneys' fees and legal costs) arising out of or related to: (a) your use or misuse of the Service; (b) your violation of these Terms; (c) your violation of any applicable law, regulation, or third‐party right; (d) any content you submit or transmit through the Service; or (e) any consequences resulting from your reliance on outputs generated by the Service.

15. Termination

We may suspend or terminate your access to the Service at any time, with or without cause, and with or without notice. Upon termination, your license to use the Service immediately ceases and you shall have no claim to any refund. Sections 6, 8, 9, 11–14, 16, and 17 shall survive any termination or expiration of these Terms.

16. Governing Law & Dispute Resolution

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, United States, without regard to its conflict‐of‐law principles. Any dispute arising out of or relating to these Terms or the Service shall be resolved exclusively in the state or federal courts located in Florida, and you consent to the personal jurisdiction of such courts. You agree to waive any right to a jury trial and any right to participate in a class action or class‐wide arbitration.

17. General Provisions

• Entire Agreement: These Terms, together with the Privacy Policy and Refund Policy on this page, constitute the entire agreement between you and Tsar App regarding the Service.
• Severability: If any provision of these Terms is held to be unenforceable, the remaining provisions shall remain in full force and effect.
• Waiver: Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.
• Assignment: You may not assign or transfer these Terms without our prior written consent. We may assign our rights and obligations freely.
• Force Majeure: We shall not be liable for any failure or delay in performance due to circumstances beyond our reasonable control, including but not limited to natural disasters, pandemics, government actions, internet outages, or third‐party service failures.

18. Changes to These Terms

We reserve the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on this page and updating the "Last updated" date. Your continued use of the Service after changes constitutes acceptance of the revised Terms.

1. Overview

Tsar App ("Company," "we," "us," or "our") wants you to be satisfied with GhostApp. Because our Service is a digital software product delivered immediately upon purchase, all sales are generally final. However, we offer limited refund accommodations as described below.

2. Subscription Plans

3. What Qualifies as "Substantial Use"

A subscription is considered substantially used if any of the following apply:

• The desktop application has been downloaded and activated on a device.
• LLM queries have been made through the Service.
• Audio or screen capture features have been used.

We reserve the right to verify usage before processing any refund.

4. How to Request a Refund

To request a refund, email us at billing@tsarchat.com with:

• Your account email address.
• The date of purchase.
• Your subscription plan.
• The reason for your refund request.

We will review your request and respond within 5 business days. Approved refunds are processed through Stripe and typically appear on your statement within 5–10 business days.

5. Chargebacks

If you initiate a chargeback or payment dispute with your bank or credit card provider instead of contacting us first, we reserve the right to immediately suspend your account and contest the chargeback. We encourage you to contact us directly at billing@tsarchat.com to resolve any billing concerns before filing a dispute.

6. Cancellation vs. Refund

Cancellation and refunds are separate actions. Cancelling your subscription stops future billing but does not entitle you to a refund of the current billing period. You will continue to have access to the Service until the end of your current paid period. You can cancel your subscription at any time from your account dashboard.

7. Exceptions

We may, at our sole discretion, offer a full or partial refund outside of the windows described above in cases of:

• A verified technical issue on our end that prevented you from using the Service.
• Duplicate or erroneous charges caused by a billing error.

These exceptions are evaluated on a case‐by‐case basis and are not guaranteed.

8. Governing Law

This Refund Policy is governed by the laws of the State of Florida, United States, consistent with the Terms of Service above.