Ollibo — Terms of Use Effective date: 05/26/2026

1. Acceptance of Terms By downloading, installing, or using the Ollibo mobile application (“App”), you agree to these Terms of Use (“Terms”). If you do not agree, do not use the App.
2. Developer This App is provided by Illuminate This Media, LLC (“Developer,” “we,” or “us”).
3. Service Description Ollibo provides financial planning tools, calculators, and educational content to help users plan personal finances. The App is educational in nature and does not provide professional financial, tax, or legal advice. You are responsible for decisions based on App content.
4. Local Data Storage; Accounts Local-Only by Default: Any financial inputs, notes, or results you enter are stored only on your device and are not transmitted to our servers unless you explicitly opt in to a cloud feature. Optional Cloud Features: If you enable cloud backup, sync, or account features, additional terms and disclosures will be presented and you must consent before data is transmitted off-device.
5. User Conduct You will not use the App unlawfully or to violate the rights of others. Do not attempt to reverse engineer or tamper with the App.
6. Intellectual Property All App software, content, trademarks, and materials are owned by Developer or licensors. You may use content for personal, non-commercial purposes only.
7. Disclaimers; No Professional Advice THE APP IS PROVIDED “AS IS.” WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED. THE APP DOES NOT PROVIDE FINANCIAL, TAX, OR LEGAL ADVICE. CONSULT A LICENSED PROFESSIONAL FOR ADVICE TAILORED TO YOUR CIRCUMSTANCES.
8. Third-Party Advertising The App displays advertisements served by Google AdMob, a third-party advertising platform operated by Google LLC. We do not share your personal financial information, name, or contact details with Google or any advertiser. Google AdMob may collect and use device-level information — such as device identifiers, diagnostic data, and app performance metrics — in accordance with Google’s own Privacy Policy, available at https://policies.google.com/privacy. This data is used by Google to serve ads and measure ad performance. You may opt out of personalized advertising on your Android device by going to Settings → Google → Ads and enabling “Opt out of Ads Personalization.” By using the App, you acknowledge the presence of third-party advertising and Google’s collection of device-level data as described above.
9. Limitation of Liability TO THE MAXIMUM EXTENT PERMITTED BY LAW, DEVELOPER WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS OR REVENUE. DEVELOPER’S AGGREGATE LIABILITY FOR DIRECT DAMAGES IS LIMITED TO $50 OR THE AMOUNT PAID BY YOU FOR THE APP (IF ANY), WHICHEVER IS GREATER.
10. Updates; Termination We may update or discontinue the App at any time. We may suspend or terminate your access for violations of these Terms.
11. Governing Law; Venue These Terms are governed by the laws of the State of California, without regard to conflict‑of‑law rules. You and Developer agree to submit to the exclusive jurisdiction and venue of the state and federal courts located in Los Angeles County, California.
12. Export Controls You will comply with applicable export laws and regulations.
13. Changes to Terms We will post changes here and update the Effective Date. Material changes will be notified to users where feasible.
14. Contact Illuminate This Media, LLC Attn: Drew DeMasters 21143 Hawthorne Blvd, PMB 172 Torrance, CA 90503 ollibo.dev@gmail.com