Terms & Conditions

Effective: May 17, 2026

Welcome to Oikoa. These Terms & Conditions ("Terms") are a binding agreement between you and Exhbt LLC, a Delaware limited liability company with its principal place of business at 601 4th Street, Unit 110, San Francisco, CA 94107 ("Company," "we," "us"). They cover your use of the Oikoa mobile app, our website at oikoa.app, and any related services we run (the "Service").

Heads Up. Section 12 contains an arbitration agreement and a class-action waiver. They affect how disputes between us are resolved. You can opt out within 30 days of first accepting these Terms by emailing info@oikoa.app with the subject line "Arbitration Opt-Out."

01 User accounts

You must be at least 18 years old to use the Service. By creating an account you represent that you are 18 or older and that the information you give us — including your birth date and time — is accurate to the best of your knowledge.

You are responsible for keeping your account credentials secure and for everything that happens under your account. Tell us immediately at info@oikoa.app if you suspect unauthorized access. We may suspend or terminate any account that violates these Terms, that we reasonably believe is being used to harm others, or that has been inactive for an extended period.

02 Billing & premium features

Oikoa is free to use for the first part of the curriculum and a limited number of daily tutor questions. Deeper lessons, unlimited tutor access, and certain practice modules require a Premium subscription.

Subscriptions. Premium is offered as a recurring subscription billed monthly or annually. Subscriptions auto-renew at the end of each billing period at the then-current price unless canceled at least 24 hours before the renewal date. You can manage and cancel from your device's subscription settings (Apple ID or Google Play).
Payment processing. Purchases are processed by Apple or Google through their respective app stores. Their terms govern the actual payment.
Free trial. If we offer a free trial, you can cancel before it ends to avoid being charged. If you do not cancel, the subscription begins automatically at the end of the trial.
Taxes. Prices shown may not include applicable taxes; you are responsible for any taxes that apply.
Pricing changes. We may change prices at any time. Changes apply to future billing periods only, and we will give you clear notice before the new price takes effect.
Refunds. Except where required by law, all sales are final. Apple App Store and Google Play purchases are governed by those stores' refund policies.

03 Changes to the Service and these Terms

We are still building Oikoa. We may add, change, or remove features at any time, and we may stop offering the Service entirely. We are not obligated to keep supporting old versions of the app.

We may update these Terms. If a change is material, we will give you at least 14 days' notice in the app or by email before it takes effect. By continuing to use the Service after the effective date, you accept the updated Terms. If you do not agree, stop using the Service and delete your account before the effective date.

04 Communications

By creating an account, you agree to receive electronic communications from us about the Service, including transactional messages (daily-reading reminders, account and security alerts), product updates, and support replies. Transactional messages are part of the Service and cannot be turned off while your account is active. You can opt out of marketing emails using the unsubscribe link in any such email and turn off push notifications in your device settings or in the app.

05 App stores

If you download Oikoa from the Apple App Store, you acknowledge that these Terms are between you and us, not Apple. Apple is not responsible for the Service or its content. The license granted to you for the iOS app is limited to using it on Apple-branded devices you own or control, in accordance with the App Store Terms of Service. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you. The same idea applies to Google Play and any other store you use to install the app.

06 Third-party services

The Service relies on third-party providers (including Supabase, RevenueCat, Apple, Google, Expo, Vercel, Anthropic, ElevenLabs, and PostHog) listed in our Privacy Policy. We are not responsible for the practices of those providers or for third-party websites or apps that the Service links to. Their terms and policies apply to the parts of the Service they handle.

07 Your content

You keep ownership of the journal entries, tutor questions, and other content you submit to the Service ("Your Content"). By submitting Your Content, you grant us a worldwide, non-exclusive, royalty-free license to host, store, reproduce, display, and create derivative works of Your Content for the limited purpose of operating, promoting (in non-personal-identifying ways), and improving the Service. This license ends when you delete Your Content or your account, except where we are required by law to keep a copy.

You represent that you have the right to share Your Content and that doing so does not violate the law or anyone's rights. You are solely responsible for Your Content.

Prohibited content and conduct

You agree not to use the Service to upload, post, or share content that:

Is unlawful, fraudulent, or deceptive;
Sexually exploits or endangers minors;
Is sexually explicit, graphically violent, or gore;
Promotes self-harm or suicide;
Threatens, harasses, bullies, defames, or stalks any person;
Promotes violence, terrorism, or hate against any group;
Discloses someone else's private or sensitive information without permission;
Impersonates another person or misrepresents your affiliation;
Infringes any patent, trademark, copyright, trade secret, or other intellectual property right;
Contains malware, spam, or unsolicited advertising; or
Violates any applicable law.

You also agree not to:

Reverse engineer, decompile, or disassemble the Service, or attempt to extract source code, except as expressly permitted by law;
Scrape, crawl, harvest, or otherwise collect information about other users without their consent;
Interfere with the Service's security or operation, including by introducing viruses or attempting to gain unauthorized access;
Use the Service to compete with us or to build a competing product;
Use bots, scripts, or automation against the Service except for our published APIs (if any) and in accordance with their terms;
Use the Service to facilitate any illegal activity.

08 Intellectual property & feedback

The Service, including the software, design, brand, copy, lesson content, and trademarks, is owned by Exhbt LLC and its licensors and is protected by U.S. and international law. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for personal, non-commercial purposes, subject to these Terms. No other rights are granted by implication.

If you send us suggestions, feedback, ideas, or improvement requests, you agree we may use them without restriction or obligation to you. We will not name you in connection with feedback unless you give us permission.

09 Educational and entertainment purpose

Oikoa is an educational and entertainment product. Astrological interpretations, daily readings, and tutor responses are provided for personal reflection and learning only. They are not a substitute for professional advice — medical, mental health, financial, legal, or otherwise. Do not make important life decisions based solely on the Service.

10 DMCA & copyright

We respect intellectual property rights. If you believe content on the Service infringes your copyright, send a notice to our designated agent that includes:

A physical or electronic signature of the copyright owner or authorized agent;
Identification of the copyrighted work claimed to be infringed;
Identification of the material claimed to be infringing, with enough detail for us to find it;
Your contact information (address, phone number, email);
A statement that you have a good-faith belief that the use is not authorized; and
A statement, under penalty of perjury, that the information in the notice is accurate and that you are the owner or authorized to act for the owner.

Send DMCA notices to:

Exhbt LLC — DMCA Agent
601 4th Street, Unit 110
San Francisco, CA 94107
info@oikoa.app

11 Disclaimers

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT DEFECTS WILL BE CORRECTED.

12 Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, EXHBT LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST REVENUE, LOST DATA, OR LOST GOODWILL, ARISING OUT OF OR RELATING TO YOUR USE OF THE SERVICE, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM OR RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) US$500.

Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above may not apply to you. In those cases, our liability is limited to the smallest amount permitted by law.

13 Dispute resolution; arbitration; class waiver

Read this section carefully. It requires most disputes between us to be resolved by binding individual arbitration, and it limits how you can pursue claims against us.

Informal resolution first

Before filing arbitration, you and we agree to try to resolve any dispute by sending a written notice describing the dispute and the relief sought to info@oikoa.app (for claims by you) or to the email address on file for your account (for claims by us), and giving the other side at least 45 days to respond.

Binding arbitration

If we cannot resolve a dispute through informal resolution, you and we agree that any dispute, claim, or controversy arising out of or relating to the Service or these Terms (a "Dispute") will be resolved exclusively by final and binding arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, before a single arbitrator. The arbitration will take place in San Francisco, California, or by video or telephone if the AAA permits. Judgment on the award may be entered in any court with jurisdiction.

The arbitrator, and not any federal, state, or local court or agency, has exclusive authority to resolve any Dispute, including the scope, applicability, or enforceability of this arbitration agreement. The arbitrator may award any relief that a court could award to an individual claimant under applicable law. The Federal Arbitration Act governs the interpretation and enforcement of this section.

Class action waiver

YOU AND WE 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, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT PRESIDE OVER ANY FORM OF A REPRESENTATIVE OR CLASS PROCEEDING.

Small-claims exception

You may bring an individual claim in small-claims court in your county of residence (or San Francisco County, California) instead of arbitration, as long as the claim qualifies and stays in that court.

30-day opt-out

You may opt out of this arbitration agreement by emailing info@oikoa.app within 30 days of first accepting these Terms with the subject line "Arbitration Opt-Out" and including your full name and the email address on your account. Opting out of arbitration does not change anything else in these Terms.

14 Indemnification

You agree to defend, indemnify, and hold harmless Exhbt LLC and its officers, directors, employees, contractors, and agents from any claim, demand, loss, or expense (including reasonable attorneys' fees) arising out of (a) your use of the Service, (b) your violation of these Terms, (c) your violation of any law or third-party right, including intellectual property and privacy rights, or (d) any content you submit to the Service. We reserve the right, at your expense, to assume the exclusive defense and control of any matter for which you are required to indemnify us, and you agree to cooperate with our defense.

15 Termination

You may stop using the Service and delete your account at any time from Profile → Reset Prototype, or by emailing us. We may suspend or terminate your access if we reasonably believe you have violated these Terms or are using the Service in a way that could harm us, other users, or third parties. Sections that by their nature should survive termination — including Sections 7, 8, 11, 12, 13, 14, and 18 — will survive.

16 Equitable relief

You acknowledge that a violation of Sections 7 or 8 may cause us irreparable harm for which monetary damages are inadequate. We may seek injunctive or other equitable relief, in any court of competent jurisdiction, without posting a bond.

17 Governing law & venue

These Terms are governed by the laws of the State of California, without regard to its conflict-of-laws rules. Subject to Section 13, the state and federal courts located in San Francisco County, California will have exclusive jurisdiction over any case not subject to arbitration, and you and we consent to personal jurisdiction and venue there.

18 California users

Under California Civil Code Section 1789.3, California residents are entitled to the following consumer rights notice: You may contact the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs in writing at 1625 N. Market Blvd., Suite N 112, Sacramento, CA 95834, or by telephone at (800) 952-5210. The Service is currently provided at no cost for non-premium use; charges for premium features are disclosed at the point of purchase.

19 Miscellaneous

Entire agreement. These Terms, together with our Privacy Policy, are the entire agreement between you and us regarding the Service and supersede any prior agreements.
No waiver. Our failure to enforce any right or provision is not a waiver.
Severability. If any provision is found unenforceable, the rest remains in effect.
Assignment. You may not assign these Terms without our written consent. We may assign them in connection with a merger, acquisition, financing, or sale of assets.
No agency. These Terms do not create any agency, partnership, joint venture, or employment relationship between you and us.
Force majeure. We are not liable for any failure or delay caused by events beyond our reasonable control.

20 Contact

Questions about these Terms? Email info@oikoa.app, or write to:

Exhbt LLC
601 4th Street, Unit 110
San Francisco, CA 94107
United States