Terms of Service

1. Acceptance of Terms

These Terms constitute a legally binding agreement between you and SOLUTIONS CAY LLC (“Company,” “we,” “us,” or “our”). By using the App, you represent that you are at least 13 years of age. If you are under 18, you represent that your parent or legal guardian has reviewed and agreed to these Terms.

2. Description of Service

Margo Bible Journal is a Bible journaling application that provides:

• Bible reading with multiple translations (King James Version and Palabra de Dios para Todos)
• Personal journaling tools including notes, highlights, and stamps
• An AI-powered Bible study companion (“Margo AI”)
• Reading progress and streak tracking
• Cloud synchronization for signed-in users
• Offline-first functionality

3. User Accounts

3.1 Account Creation

You may use the App as a guest or create an account using Sign in with Apple. When you create an account, you are responsible for maintaining the security of your account credentials.

3.2 Account Deletion

You may delete your account at any time through the App’s Settings screen. Account deletion will permanently remove all of your cloud-synced data, including journal entries, highlights, stamps, and reading progress. This action cannot be undone.

4. Subscriptions and Payments

4.1 Free and Premium Tiers

The App offers both free and premium functionality. Margo Premium is available as a subscription with the following options:

• Monthly: $4.99 per month
• Yearly: $39.99 per year

4.2 Billing

Subscriptions are billed through your Apple ID account. Payment will be charged at confirmation of purchase. Subscriptions automatically renew unless auto-renew is turned off at least 24 hours before the end of the current billing period.

4.3 Cancellation

You may cancel your subscription at any time through your Apple ID account settings. Cancellation takes effect at the end of the current billing period. No refunds are provided for partial billing periods. For refund requests, please contact Apple Support directly, as all payments are processed by Apple.

4.4 Price Changes

We reserve the right to change subscription prices. Any price changes will take effect at the start of the next subscription period following the date of the price change. Your continued use of the App after a price change constitutes your agreement to pay the updated amount.

5. User Content

5.1 Your Content

You retain all ownership rights to the content you create in the App, including journal notes, highlights, and stamps. By using cloud sync, you grant us a limited license to store and transmit your content solely for the purpose of providing the App’s functionality to you.

5.2 Content Responsibility

You are solely responsible for the content you create within the App. We do not monitor or review user-created content.

6. AI Companion Disclaimer

• AI-generated content may contain inaccuracies. Always verify important information with trusted sources and spiritual leaders.
• The AI companion does not represent the views or doctrine of any specific church, denomination, or religious organization.
• AI responses are generated by a third-party language model (Google Gemini) and may not always reflect traditional or orthodox interpretations.
• We are not liable for any decisions made or actions taken based on AI-generated content.
• The AI companion is rate-limited and may not always be available.

7. Bible Content

The App includes Bible text from the following translations:

• King James Version (KJV): Public domain
• Palabra de Dios para Todos (PDT): Used under applicable license

Cross-reference data is sourced from OpenBible.info. Bible text is provided for personal study and devotional use only. Redistribution or commercial use of Bible content from the App is prohibited.

8. Use License and Restrictions

We grant you a limited, non-exclusive, non-transferable, revocable license to use the App for personal, non-commercial purposes. You may not:

• Copy, modify, or distribute the App or its content
• Reverse engineer, decompile, or disassemble the App
• Use the App for any unlawful purpose
• Attempt to interfere with or disrupt the App’s services
• Circumvent rate limits or access controls on the AI companion
• Use automated systems to access or interact with the App
• Sublicense, sell, or otherwise transfer your rights to the App

9. Intellectual Property

The App, including its design, features, graphics, logos, and original content (excluding user-created content and Bible text), is the property of SOLUTIONS CAY LLC and is protected by copyright, trademark, and other intellectual property laws. The “Margo” name and logo are trademarks of SOLUTIONS CAY LLC.

10. Disclaimer of Warranties

We do not warrant that the App will be uninterrupted, error-free, or secure. We do not warrant the accuracy or completeness of any content provided through the App, including AI-generated content. We are not responsible for data loss resulting from device failure, App uninstallation, or service interruptions.

11. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL SOLUTIONS CAY LLC, ITS DIRECTORS, EMPLOYEES, PARTNERS, OR SUPPLIERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• Your access to or use of (or inability to access or use) the App
• Any conduct or content of any third party on the App
• Any content obtained from the App, including AI-generated content
• Unauthorized access, use, or alteration of your content

Our total liability to you for all claims arising from or related to the App shall not exceed the amount you paid us in the twelve (12) months preceding the claim, or $50, whichever is greater.

12. Indemnification

You agree to indemnify, defend, and hold harmless SOLUTIONS CAY LLC and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable attorney’s fees) arising from your use of the App, your violation of these Terms, or your violation of any third-party rights.

13. Dispute Resolution and Arbitration

13.1 Informal Resolution

Before filing any formal dispute, you agree to first contact us at [email protected] and attempt to resolve the dispute informally for at least 30 days.

13.2 Binding Arbitration

If informal resolution fails, any dispute, controversy, or claim arising out of or relating to these Terms or the App shall be settled by binding arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules. The arbitration shall be conducted in the State of Florida. The arbitrator’s decision shall be final and binding.

13.3 Class Action Waiver

You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. You waive any right to participate in a class action lawsuit or class-wide arbitration.

13.4 Opt-Out

You may opt out of this arbitration agreement by sending written notice to [email protected] within 30 days of first using the App. Your notice must include your name, mailing address, and a clear statement that you wish to opt out of the arbitration agreement.

14. Governing Law

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 provisions. For any matters not subject to arbitration, you irrevocably submit to the exclusive jurisdiction of the state and federal courts located in the State of Florida.

15. Termination

We may terminate or suspend your access to the App immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the App will cease immediately. Sections that by their nature should survive termination will survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

16. Changes to Terms

We reserve the right to modify these Terms at any time. We will notify you of material changes by updating the “Last Updated” date and posting the revised Terms on this page. Your continued use of the App after any changes constitutes acceptance of the updated Terms.

17. Severability

If any provision of these Terms is held to be unenforceable or invalid, that provision will be enforced to the maximum extent possible, and the remaining provisions will remain in full force and effect.

18. Contact Us

If you have questions about these Terms, please contact us: