Terms of Service

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you and tsguanqian.com ("we," "us," or "our"), governing your access to and use of our website at tsguanqian.com, all related subdomains, our mobile applications published on the Apple App Store and other app stores, and any related services, features, content, or applications offered by us (collectively, the "Services").

By accessing, browsing, or using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the Services.

We may modify these Terms at any time. Material changes will be communicated via prominent notice on our website, via email (if you have provided your email address), or via in-app notice. Your continued use of the Services after such modifications constitutes your acceptance of the revised Terms.

2. Eligibility & Age Requirements

2.1 Minimum Age

You must be at least 13 years of age to use our Services. This minimum age is consistent with the Children's Online Privacy Protection Act (COPPA) in the United States, the General Data Protection Regulation (GDPR) in the European Union, and similar minimum-age laws worldwide.

2.2 Higher Age Thresholds in Certain Jurisdictions

Some jurisdictions require higher minimum ages for digital service consent:

Jurisdiction	Minimum Age
United States (COPPA)	13 years
European Union (GDPR)	16 years (or as low as 13 by member state law)
United Kingdom (UK GDPR)	13 years
California (CCPA)	13 years (16 for sale opt-out rights)
South Korea (PIPA)	14 years
Australia (Privacy Act)	15 years (or applicable age of majority)
Spain (LOPDGDD)	14 years
France (LOI Informatique)	15 years
Germany (BDSG/TMG)	16 years
Netherlands	16 years
Other jurisdictions	The applicable age of digital consent

By using our Services, you represent that you meet the minimum age requirement in your jurisdiction.

2.3 Users Between 13 and 18

If you are between the minimum age and 18 years old (or the age of majority in your jurisdiction), you may only use the Services with the consent and supervision of a parent or legal guardian who agrees to be bound by these Terms on your behalf.

2.4 Parental Responsibility

Parents and legal guardians are responsible for monitoring their children's use of the Services. If you believe a child under the applicable minimum age is using the Services without proper consent, please contact us at contact@tsguanqian.com.

2.5 Capacity

You represent that you have the legal capacity to enter into a binding agreement in your jurisdiction. If you are entering into these Terms on behalf of an entity (such as a company or organization), you represent that you have the authority to bind that entity to these Terms.

3. Definitions

Capitalized terms used but not defined elsewhere have the following meanings:

• "Application" or "App": Any mobile or desktop software application published by tsguanqian.com, including those distributed through the Apple App Store.
• "Content": All text, graphics, images, music, videos, audio, code, data, and other material that may appear on or through the Services.
• "User Content": Content submitted, uploaded, posted, or otherwise transmitted by users through the Services.
• "In-App Purchase" or "IAP": A purchase made within an Application, processed through Apple's App Store or other platform payment systems.
• "Subscription": A recurring purchase (such as monthly or annually) that provides access to premium features or content.

4. Account Registration

Most of our Services do not require account registration and can be used without creating an account. Where account registration is required (for example, to access premium features or contact forms):

• You agree to provide accurate, current, and complete information during registration.
• You are responsible for maintaining the security of your account credentials.
• You agree to notify us immediately of any unauthorized use of your account.
• You are responsible for all activities that occur under your account.
• We reserve the right to suspend or terminate accounts that contain false information or violate these Terms.

5. License & Use Rights

5.1 License to Use the Services

Subject to your compliance with these Terms and applicable law, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal, non-commercial use (or for internal business use, in the case of our professional services).

5.2 License Restrictions

You may not, except as expressly permitted by these Terms:

• Reproduce, distribute, modify, or create derivative works of the Services
• Reverse engineer, decompile, or attempt to extract the source code of any Application
• Sell, resell, sublicense, or commercially exploit the Services
• Access the Services through automated means (bots, scrapers, etc.) without our written permission
• Remove or alter any proprietary notices or labels
• Use the Services in any manner that could damage, disable, overburden, or impair our infrastructure
• Use the Services for any illegal purpose or in violation of any applicable laws

5.3 Software Updates

Our Applications may automatically download and install updates from time to time. These updates may include bug fixes, new features, and security enhancements. You agree to receive such updates as part of your use of the Services.

6. User Obligations

When using the Services, you agree to:

• Comply with all applicable local, state, national, and international laws and regulations
• Provide accurate information when required
• Respect the rights of other users and third parties
• Maintain the security of your account and credentials
• Use the Services only for their intended purposes
• Promptly notify us of any security breaches or unauthorized use
• Refrain from attempting to circumvent any technical limitations or security measures

7. Prohibited Conduct

You agree NOT to engage in any of the following prohibited activities:

• Illegal Activity: Using the Services for any unlawful purpose or in furtherance of illegal activities.
• Harmful Content: Posting, transmitting, or distributing content that is defamatory, obscene, abusive, harassing, hateful, threatening, or otherwise objectionable.
• Intellectual Property Violations: Infringing upon the intellectual property rights of others or the Studio.
• Unauthorized Access: Attempting to gain unauthorized access to the Services, other accounts, computer systems, or networks connected to the Services.
• Reverse Engineering: Decompiling, disassembling, reverse engineering, or otherwise attempting to derive source code or underlying ideas of any software.
• Interference: Interfering with or disrupting the Services, servers, or networks connected to the Services.
• Spam: Sending unsolicited communications, promotions, advertisements, or spam.
• Impersonation: Impersonating any person or entity or falsely representing your affiliation with any person or entity.
• Malware: Uploading viruses, malware, or other harmful code.
• Circumvention: Attempting to bypass any measures we use to prevent or restrict access to the Services.
• Automated Abuse: Using bots, scrapers, or other automated tools to access the Services in a manner that exceeds reasonable use.
• Data Mining: Collecting or harvesting any personally identifiable information from the Services.

8. Intellectual Property Rights

8.1 Our Intellectual Property

The Services, including all Content (excluding User Content), features, functionality, software, designs, graphics, logos, trademarks, service marks, and trade names, are owned by tsguanqian.com, its licensors, or other providers and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

The tsguanqian.com name, logo, and all related names, logos, product and service names, designs, and slogans are trademarks of tsguanqian.com or its affiliates. You may not use such marks without our prior written permission.

8.2 Limited License to Our Content

You may access, download, or print Content from the Services for your personal, non-commercial use only, provided you keep all copyright and other proprietary notices intact.

8.3 Feedback and Suggestions

Any feedback, suggestions, ideas, or other input you provide regarding the Services may be used by us without restriction or compensation to you.

9. Third-Party Content & Services

The Services may contain links to or integrations with third-party websites, services, content, or resources. We do not endorse and are not responsible for the availability, accuracy, content, privacy practices, or legality of such third-party resources. Your use of third-party resources is at your own risk and subject to their respective terms and policies.

Specifically, our free applications integrate third-party advertising networks as detailed in our Privacy Policy. These networks operate under their own terms and privacy practices.

10. App Store Specific Terms

The following additional terms apply to our Applications distributed through the Apple App Store.

10.1 Apple Inc. as Third-Party Beneficiary

You acknowledge and agree that Apple Inc. is a third-party beneficiary of these Terms as they relate to Applications distributed through the Apple App Store. Apple has the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.

10.2 Apple Standard EULA

For Applications obtained through the Apple App Store, the standard Apple Licensed Application End User License Agreement (EULA) applies, with the following clarifications:

• These Terms supplement and do not replace the Apple EULA.
• In case of conflict, the Apple EULA takes precedence for matters specifically governed by it (such as App Store rules).
• For matters not covered by the Apple EULA, these Terms apply.

10.3 Maintenance and Support

We are solely responsible for providing any maintenance and support for our Applications as required by applicable law or as described in these Terms. Apple has no obligation to provide any maintenance or support.

10.4 Warranty Disclaimers

In the event of any failure of an Application to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for the Application. To the maximum extent permitted by applicable law, Apple has no other warranty obligation with respect to our Applications.

10.5 Product Claims

We, not Apple, are responsible for addressing any claims by you or any third party relating to our Applications or your possession and use of our Applications, including but not limited to: product liability claims, claims that an Application fails to conform to legal or regulatory requirements, and claims arising under consumer protection or similar laws.

10.6 Intellectual Property Claims

In the event of any third-party claim that an Application or your possession and use of an Application infringes that third party's intellectual property rights, we (not Apple) will be solely responsible for the investigation, defense, settlement, and discharge of any such claim.

10.7 App Store Rules

You agree to use our Applications only as permitted by the Apple App Store Terms of Service and the App Store Review Guidelines.

10.8 In-App Purchases

In-App Purchases are processed through Apple's payment system and are subject to Apple's payment terms and the App Store refund policies.

11. Advertising & In-App Purchases

11.1 Free Applications with Advertising

Some of our Applications are free to download and include advertising. By using such Applications, you acknowledge and consent to the display of advertisements as described in our Privacy Policy. You may opt out of personalized advertising through your device settings.

11.2 Premium / Paid Versions

We may offer paid versions of our Applications or paid in-app features that remove advertising and provide additional functionality. Purchases are processed through the Apple App Store.

11.3 Subscription Terms

For Applications with subscription features:

• Subscriptions automatically renew at the then-current price unless cancelled at least 24 hours before the end of the current period.
• Your account will be charged for renewal within 24 hours prior to the end of the current period.
• You can manage and cancel subscriptions in your App Store account settings.
• Free trial periods, if offered, convert to paid subscriptions unless cancelled before the trial ends.
• Subscription prices may change with reasonable notice.

11.4 Virtual Currency & Items

If an Application includes virtual currency or virtual items, they are licensed for use within the Application only, have no real-world value, and are not redeemable for cash or other items.

12. User Content

12.1 Your Responsibility

You are solely responsible for any User Content you submit, post, or transmit through the Services. You represent and warrant that you own or have the necessary rights to such User Content and that it does not violate any third party's rights.

12.2 License to User Content

By submitting User Content, you grant us a worldwide, non-exclusive, royalty-free, sublicensable, transferable license to use, reproduce, modify, adapt, publish, translate, create derivative works from, distribute, and display such User Content in connection with operating and providing the Services.

12.3 Content Removal

We reserve the right (but have no obligation) to monitor, review, remove, or restrict access to any User Content that we determine violates these Terms or is otherwise objectionable.

13. Privacy & Data

Your privacy is important to us. Our Privacy Policy, incorporated by reference into these Terms, describes how we collect, use, disclose, and protect your information. By using the Services, you agree to our Privacy Policy.

Our Applications implement a local-first architecture where feasible, meaning your personal content remains on your device by default.

14. Subscriptions & Payments

14.1 Pricing

Prices for our Services are displayed within the Application, on our website, or through the App Store. Prices are subject to change with reasonable notice. Continued use after a price change constitutes acceptance of the new price.

14.2 Payment Methods

Payments are processed through the Apple App Store (for Applications) or through other authorized payment processors. You agree to provide accurate and complete payment information and authorize us or our payment processors to charge your payment method.

14.3 Taxes

Prices displayed may not include applicable taxes. You are responsible for paying any taxes associated with your purchases, except for taxes on our net income.

14.4 Currency

All transactions are processed in the currency displayed at the time of purchase. Currency conversion (if applicable) is handled by your payment provider according to their terms.

14.5 Failed Payments

If a payment fails, we may suspend or terminate your access to paid features until payment is successfully processed.

15. Refunds

15.1 App Store Purchases

For purchases made through the Apple App Store, refund requests are handled by Apple according to their refund policies. You can request a refund through your App Store account.

15.2 Website Purchases

For purchases made directly through our website, we offer a 14-day money-back guarantee for subscription products, provided the service has not been substantially used.

15.3 Non-Refundable Items

Some purchases may be non-refundable, including:

• Consumed in-app purchases
• Subscriptions that have been substantially used
• Custom or personalized services
• Digital products that have been downloaded or accessed

16. Service Availability

We strive to make the Services available at all times, but we do not guarantee uninterrupted, timely, secure, or error-free operation. The Services may be unavailable due to:

• Scheduled maintenance
• Emergency maintenance
• System failures or outages
• Network or telecommunications failures
• Force majeure events
• Modifications, updates, or improvements

We reserve the right to modify, suspend, or discontinue any part of the Services at any time without notice or liability.

17. Modifications

17.1 Modifications to the Services

We reserve the right to modify, suspend, or discontinue the Services (or any portion thereof) at any time with or without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuance of the Services.

17.2 Modifications to these Terms

We may revise these Terms from time to time. The most current version will always be posted on our website. Material changes will be communicated via prominent notice. By continuing to use the Services after changes become effective, you agree to be bound by the revised Terms.

18. Termination

18.1 Termination by You

You may terminate your use of the Services at any time by:

• Deleting our Applications from your devices
• Stopping use of our website
• Closing your account (where applicable)
• Contacting us to request account deletion

18.2 Termination by Us

We may terminate or suspend your access to all or part of the Services at any time, with or without cause, with or without notice, including but not limited to:

• Breach of these Terms
• Engaging in fraudulent, illegal, or harmful activities
• Extended periods of inactivity
• Requests by law enforcement or government agencies
• Discontinuation of the Services

18.3 Effect of Termination

Upon termination:

• Your right to use the Services will immediately cease
• We may delete your account and associated data
• Provisions of these Terms that by their nature should survive termination will survive
• You remain liable for any payments due prior to termination

19. Disclaimers

TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• IMPLIED WARRANTIES OF MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT
• ACCURACY OR COMPLETENESS OF CONTENT
• UNINTERRUPTED OR ERROR-FREE OPERATION
• SECURITY OR FREEDOM FROM VIRUSES OR HARMFUL COMPONENTS
• RESULTS OBTAINED FROM USE OF THE SERVICES

We do not warrant that the Services will meet your requirements, that operation will be uninterrupted or error-free, or that defects will be corrected.

20. Limitation of Liability

• LOSS OF PROFITS, REVENUE, OR DATA
• LOSS OF GOODWILL OR INTANGIBLE LOSSES
• DAMAGES RESULTING FROM ACCESS TO OR USE OF THE SERVICES
• DAMAGES RESULTING FROM CONDUCT OR CONTENT OF THIRD PARTIES
• DAMAGES RESULTING FROM UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR DATA

OUR TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICES WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU HAVE PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED US DOLLARS ($100).

The limitations in this section apply to the maximum extent permitted by applicable law and apply whether the alleged liability is based on contract, tort, negligence, strict liability, or any other basis, even if we have been advised of the possibility of such damages.

21. Indemnification

You agree to indemnify, defend, and hold harmless tsguanqian.com, its affiliates, officers, directors, employees, agents, licensors, and partners from and against any and all claims, damages, obligations, losses, liabilities, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your access to or use of the Services
• Your violation of these Terms
• Your violation of any third party's rights
• Your User Content
• Any claim that your use of the Services has caused damage to a third party

22. Dispute Resolution

22.1 Informal Resolution

Before filing any formal legal action, you agree to first contact us at contact@tsguanqian.com and attempt to resolve the dispute informally. We will attempt to resolve the dispute by contacting you via email. If a dispute is not resolved within 30 days of submission, you or tsguanqian.com may pursue formal resolution.

22.2 Arbitration Agreement

For any dispute that cannot be resolved informally, you and tsguanqian.com agree to resolve any claims through final and binding arbitration, except as set forth below. The arbitration will be conducted in the county of our principal place of business, unless you and we agree otherwise.

22.3 Exceptions to Arbitration

Either party may bring a lawsuit in small claims court for disputes within that court's jurisdiction. Either party may also seek injunctive or other equitable relief in court to protect intellectual property rights.

22.4 Class Action Waiver

You and tsguanqian.com agree that any disputes will be conducted on an individual basis, not on a class, consolidated, or representative basis. If for any reason a claim proceeds in court, you and we each waive any right to a jury trial.

22.5 EU Consumers

If you are an EU consumer, you may also use the European Commission's Online Dispute Resolution platform at ec.europa.eu/consumers/odr.

22.6 UK Consumers

If you are a UK consumer, you may also use the Alternative Dispute Resolution (ADR) providers listed by the Competition and Markets Authority.

23. Governing Law

These Terms and any dispute or claim arising out of or in connection with them (including non-contractual disputes or claims) are governed by and construed in accordance with the laws of the Commonwealth of Virginia, United States of America, without giving effect to any conflict of law provisions.

The United Nations Convention on Contracts for the International Sale of Goods does not apply to these Terms.

24. Country-Specific Terms

24.1 United States

Nothing in these Terms affects your rights as a consumer under applicable U.S. federal or state law. The Federal Trade Commission (FTC) has jurisdiction over consumer protection matters.

24.2 European Economic Area / United Kingdom

If you are a consumer in the EEA or UK, you will benefit from any mandatory provisions of the law of your country of residence. Nothing in these Terms affects your right to rely on such mandatory provisions.

24.3 Australia

Our Services come with guarantees that cannot be excluded under the Australian Consumer Law. You are entitled to a replacement or refund for a major failure and compensation for any other reasonably foreseeable loss or damage.

24.4 Canada

If you are a resident of Quebec, the consumer protection laws of Quebec apply to you. Nothing in these Terms limits your rights under such laws.

24.5 Japan

For Japanese users, certain provisions of the Japanese Civil Code apply, including provisions regarding warranty and limitation of liability.

24.6 Other Jurisdictions

If you are located in a jurisdiction not specifically addressed, the laws of the Commonwealth of Virginia apply, while preserving any mandatory protections afforded by your local consumer protection laws.

25. Accessibility

We are committed to making our Services accessible to all users, including those with disabilities. Our Applications and website strive to comply with applicable accessibility standards, including:

• Web Content Accessibility Guidelines (WCAG) 2.1 Level AA
• Apple's Accessibility Guidelines for iOS applications
• Section 508 (US Federal)
• European Accessibility Act (EAA)
• Americans with Disabilities Act (ADA)

If you encounter accessibility barriers or have suggestions for improvement, please contact us at contact@tsguanqian.com.

26. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, such provision shall be modified to the minimum extent necessary to make it valid, legal, and enforceable, or if modification is not possible, such provision shall be severed from these Terms. The invalidity, illegality, or unenforceability of any provision shall not affect the validity, legality, or enforceability of the remaining provisions, which shall continue in full force and effect.

27. Entire Agreement

These Terms (including the Privacy Policy and any other documents referenced herein) constitute the entire agreement between you and tsguanqian.com regarding the Services and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, regarding the Services.

27.1 No Waiver

No waiver by tsguanqian.com of any term or condition set out in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition. Any failure of tsguanqian.com to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

27.2 Assignment

You may not assign or transfer your rights under these Terms without our written consent. We may assign our rights and obligations under these Terms at any time without notice.

27.3 Third-Party Beneficiaries

Except as expressly stated (including Apple's third-party beneficiary status under Section 10.1), these Terms do not create any third-party beneficiary rights.

27.4 Notices

Notices to you may be sent via email, in-app notification, or by posting on our website. You may send notices to us at the contact information provided below.

28. Contact Information

For any questions, concerns, or notices regarding these Terms, please contact us:

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Document Version 3.8 — Effective January 1, 2024, Last Updated July 21, 2026
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