Terms of Use

PNL — Profit and Loss is operated by Highglossy FZE, a company registered in the United Arab Emirates, with its registered office at Al Shmookh Business Center, One UAQ, UAQ Free Trade Zone, Umm Al Quwain, U.A.E. (“we”, “us”).

By downloading, installing or using PNL — Profit and Loss, you agree to these terms. If you do not agree, do not use the app. Our handling of personal data is described in the Privacy Policy, which forms part of this agreement.

You must be at least 16 years old and able to enter a binding contract where you live. If you are using PNL — Profit and Loss on behalf of an organisation, you confirm you are authorised to bind it to these terms.

PNL has no accounts. The full version is tied to your Apple ID: Restore Purchases on a new device reattaches it. Your sheets are stored on your iPad and, if you turn it on, in your own iCloud or Dropbox; back them up if you want to keep them.

PNL is a sheet with three columns, a calculator that keeps every step and a total at the foot of the page, for keeping track of money without logging every penny.

PNL is not accounting software, a tax tool or financial advice. Figures are what you type; the app does not verify them, and you remain responsible for any decision or filing you make on their basis.

You must not:

• Attempt to gain access to another user's account, data or key material.
• Probe, scan or test the vulnerability of our systems without our prior written consent, or otherwise interfere with their operation.
• Use automated means to create accounts or place load on the service beyond normal app use.
• Reverse engineer, decompile or disassemble the app, except to the extent that applicable law expressly permits it despite this restriction.
• Resell, sublicense or make the service available to third parties as your own.

We may suspend or terminate an account that breaches this section.

PNL is free to download. A single one-time purchase removes the restrictions of the free version. The exact price for your region and currency is shown on the purchase screen before you confirm.

Payment is charged to your Apple App Store account on confirmation of purchase; we never receive or handle your payment details. One-time purchases do not renew. Restore Purchases in the app reattaches them to a new device signed in with the same store account.

Refunds are handled by Apple under its own policies. We cannot issue a refund for a store purchase. Where you have a statutory right of withdrawal under consumer law in your country, that right is unaffected by this section.

Where you obtained PNL — Profit and Loss from the Apple App Store, the following applies and prevails over anything inconsistent elsewhere in these terms:

• This agreement is between you and Highglossy FZE only, not with Apple. We, not Apple, are solely responsible for PNL — Profit and Loss and its content.
• Apple has no obligation to furnish any maintenance or support for PNL — Profit and Loss.
• If PNL — Profit and Loss fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price. To the maximum extent permitted by law, Apple has no other warranty obligation whatsoever.
• Apple is not responsible for addressing any claim by you or a third party relating to PNL — Profit and Loss, including product liability, failure to conform to legal requirements, and consumer protection or privacy claims.
• Apple is not responsible for the investigation, defence, settlement or discharge of any third-party claim that PNL — Profit and Loss infringes intellectual property rights.
• You confirm you are not located in a country subject to a U.S. Government embargo or designated as “terrorist supporting”, and that you are not on any U.S. Government list of prohibited or restricted parties.
• Apple and its subsidiaries are third-party beneficiaries of these terms and, upon your acceptance, will have the right to enforce them against you.

We aim to keep PNL — Profit and Loss available, but we do not guarantee uninterrupted service. We may suspend it for maintenance, and we may change or discontinue features. If we discontinue the service altogether, we will give you reasonable notice in the app or by any other means we have.

You may stop using PNL — Profit and Loss at any time. We may suspend or terminate your access if you breach these terms, if we are legally required to, or if continuing would expose us or other users to material risk. Except where a breach makes it inappropriate, we will give notice first.

To the fullest extent permitted by law, PNL — Profit and Loss is provided “as is” and “as available”, without warranties of any kind, whether express or implied, including implied warranties of merchantability, fitness for a particular purpose and non-infringement.

We do not warrant that PNL — Profit and Loss will be uninterrupted or error-free.

Nothing in these terms excludes or limits liability that cannot lawfully be excluded, including liability for death or personal injury caused by negligence, and for fraud. If you deal as a consumer, your statutory rights are unaffected.

Subject to the section above, to the fullest extent permitted by law:

• We are not liable for indirect, incidental, special, consequential or punitive loss, or for loss of profit, revenue, goodwill or anticipated savings.
• We are not liable for loss of sheets stored only on your device or in your own cloud storage.
• Our total aggregate liability arising out of or in connection with these terms is limited to the greater of (a) the amount you paid us in the 12 months before the event giving rise to the claim, and (b) 50 EUR.

We may update these terms. The date at the top reflects the current version. Where a change materially affects your rights, we will give notice in the app before it takes effect. Continuing to use PNL — Profit and Loss after that point means you accept the change; if you do not, stop using the app.

These terms are governed by the law of the United Arab Emirates, and the courts of the United Arab Emirates have exclusive jurisdiction over any dispute. If you are a consumer resident elsewhere, this does not deprive you of the protection of mandatory consumer law in your country of residence, nor of the right to bring proceedings there.

Highglossy FZE, Al Shmookh Business Center, One UAQ, UAQ Free Trade Zone, Umm Al Quwain, U.A.E.

Support: support@highglossy.com · Privacy: privacy@highglossy.com