Terms of Use / End User License Agreement (EULA)
These Terms of Use (“Terms”) govern your access to and use of the Bank & Borrow mobile application (“App”). This EULA is entered into between you and the Bank & Borrow developer (not Apple). Apple is not a party to this agreement and is not responsible for the App or its content. By using the App, you agree to these Terms. If you do not agree, do not use the App.
1. License to Use the App
We grant you a limited, non-exclusive, non-transferable, revocable license to use Bank & Borrow for personal, non-commercial purposes, subject to these Terms and applicable App Store rules, on Apple-branded products that you own or control, as permitted by the App Store Terms of Service.
2. Accounts and User Responsibilities
Creating an account is optional. If you choose to create one, you agree to:
- Provide accurate account information
- Maintain the confidentiality of your login credentials
- Be responsible for all activity under your account
- Not impersonate another person or misrepresent your identity
You may delete your account at any time using the in-App delete function, which permanently removes your stored data.
3. User Data and Content
The App allows you to store DVC contract information, trip details, availability tracking settings, and notification preferences. You retain ownership of the content you enter.
You grant us permission to store and process this information solely for the purpose of operating the App. You agree not to provide unlawful, harmful, or misleading information, or content that you do not have the right to provide.
4. Subscriptions and Auto-Renewal
Some App features require a paid subscription. By subscribing, you acknowledge that:
- Payment is charged to your Apple ID account
- Subscriptions automatically renew unless canceled at least 24 hours before the end of the billing period
- You can manage or cancel your subscription through your Apple ID account settings
- Refunds are handled exclusively by Apple according to their policies
- We do not collect or store payment information
RevenueCat is used to verify subscription status but does not process payments.
5. Acceptable Use
You agree not to:
- Reverse engineer, decompile, or tamper with the App
- Exploit bugs, vulnerabilities, or interfere with App functionality
- Attempt to access or modify data belonging to other users
- Use the App for fraudulent, unlawful, or harmful purposes
- Use scraping tools, bots, or automated systems
- Misrepresent your identity or affiliation
6. Intellectual Property
All content, design, branding, text, and code in Bank & Borrow are owned by us and protected by intellectual property laws. You may not copy, modify, or redistribute any part of the App except as expressly permitted.
7. Disclaimers — App Provided “As-Is”
Bank & Borrow is provided on an “as-is” and “as-available” basis, without warranties of any kind, whether express or implied. To the maximum extent permitted by applicable law, we disclaim all warranties, including but not limited to implied warranties of merchantability, fitness for a particular purpose, and non-infringement.
We do not guarantee:
- Accuracy or completeness of information displayed
- Availability or performance of third-party systems (Firebase, Disney systems, RevenueCat, Apple APIs)
- That the App will be error-free or uninterrupted
Your use of the App is at your own risk.
8. Limitation of Liability
To the fullest extent permitted by law:
- We are not liable for indirect, incidental, special, punitive, or consequential damages
- We are not responsible for data loss or inability to access the App
- Your sole remedy for dissatisfaction is to stop using the App
In no event will our total liability to you for all damages exceed the amount you have paid (if any) for use of the App in the twelve (12) months prior to the claim.
9. Third-Party Services
The App relies on third-party services including Firebase, RevenueCat, and Apple. We are not responsible for their availability, performance, or data handling beyond what is described in our Privacy Policy. Your use of these services may be subject to their separate terms and policies, and you agree to comply with such terms where applicable.
10. Termination
We may suspend or terminate your access to the App for violation of these Terms or for other lawful reasons. You may terminate use at any time by deleting your account or uninstalling the App.
11. Governing Law
These Terms are governed by the laws of the State of Oklahoma, without regard to conflict of law principles, and by applicable federal laws of the United States.
12. Modifications
We may update these Terms periodically. Continued use of the App after changes are posted constitutes acceptance of the updated Terms. If you do not agree with the modified Terms, you must stop using the App.
13. Contact
For questions about these Terms, please contact:
📧 help@bankandborrow.com
14. No Affiliation with Disney
Bank & Borrow is an independent application and is not affiliated with, authorized by, endorsed by, or sponsored by The Walt Disney Company, Disney Vacation Club, or any of their subsidiaries or affiliates. All Disney and Disney Vacation Club names and trademarks are the property of their respective owners.
15. Apple as Third-Party Beneficiary
You acknowledge and agree that Apple, and Apple’s subsidiaries, are third-party beneficiaries of this EULA, and that, upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce this EULA against you as a third-party beneficiary. Notwithstanding the foregoing, our right to enter into, rescind, or terminate any variation, waiver, or settlement under these Terms is not subject to the consent of Apple or any other third party.