Terms of Use

Article 1 (Application)

These terms govern use of 'Mochiru Asset Lifetime Simulator' (the App) between the user and the developer (freetokyo apps). Using the App constitutes acceptance of these terms.

Article 2 (Service Description)

This app is an educational simulation tool that estimates asset transitions and 'asset lifetime' from accumulation to withdrawal using Monte Carlo methods, based on user-entered assumptions.

It operates completely offline, does not send or collect user data externally, and does not link to financial accounts.

Article 3 (Not Investment Advice)

This app provides general educational simulation only.

It is not investment advice, solicitation, or financial product brokerage, and does not constitute investment advisory services under the Financial Instruments and Exchange Act.

It does not recommend specific financial products or trading timing.

Asset management decisions are your own responsibility.

Please consult a professional as needed.

The developer is not liable for any results from reliance on this app's simulations.

Article 4 (Fees and Billing)

The app is available as a free preview. Full features are a one-time premium purchase (non-consumable, no subscription). • Purchases are made through Apple's App Store. • Payment and refunds follow Apple's policies. • StoreKit 2 manages purchase status and restoration.

Article 5 (Prohibited Acts)

Users must not: • Violate laws or public order • Reverse engineer, modify, or redistribute the App • Interfere with the App's operation • Engage in other acts deemed inappropriate by the developer

Article 6 (Data Management)

App data is stored only on the user's device. The developer is not liable for data loss from uninstallation, device failure, or loss. Please back up important data yourself.

Article 7 (Disclaimer)

This app is provided as-is. The developer makes no warranties regarding its completeness, accuracy, or fitness for any purpose. The developer is not liable for any damages from use or inability to use the App.

Article 8 (Service Changes)

The developer may change or discontinue the App without prior notice to users.

Article 9 (Terms Changes)

The developer may revise these terms as needed. Revised terms take effect upon posting on this page.

Article 10 (Governing Law)

These terms are governed by Japanese law. Any disputes shall be subject to the exclusive jurisdiction of the courts having jurisdiction over the developer's location.

Article 11 (Contact)

For questions about these terms, please contact us via the support page.