Terms of Service

Last updated: January 22, 2026

1. Acceptance of Terms

By creating an account or using Crucible, you agree to these Terms of Service. If you do not agree to these terms, do not use the service.

2. Service Description

Crucible is a portfolio tracking tool that allows users to record and monitor their precious metals holdings (gold, silver, platinum, palladium). The service displays real-time spot prices from third-party data providers and calculates portfolio values based on user-entered data.

3. NOT FINANCIAL ADVICE - IMPORTANT DISCLAIMER

Crucible is NOT a financial advisor, investment advisor, or broker. The service is a tracking and organizational tool only.

Nothing on this platform constitutes financial advice, investment advice, trading advice, or any other sort of advice. You should not treat any of the content, data, or calculations provided by Crucible as a recommendation to buy, sell, or hold any investment.

All investment decisions are made at your own risk. You are solely responsible for your investment decisions and any resulting gains or losses. Past performance is not indicative of future results.

We strongly recommend consulting with a qualified financial advisor before making any investment decisions.

4. Account Terms

You are responsible for maintaining the security of your account credentials. You must provide accurate information when creating an account. You are responsible for all activity that occurs under your account.

You must notify us immediately of any unauthorized use of your account or any other breach of security.

5. Subscription and Billing

Subscription: $4.99 per month via web, or $6.99 per month via iOS App Store, for full access to all features including unlimited asset tracking. New users receive a 14-day free trial with no credit card required.

Web subscriptions are billed monthly through Stripe. iOS subscriptions are billed through Apple. You may cancel at any time through your account settings or your device's subscription management. Cancellation takes effect at the end of your current billing period.

No Refunds: All subscription payments are non-refundable. You have access to a 14-day free trial to evaluate the service before subscribing. By subscribing, you acknowledge that you understand what you are paying for and agree that no refunds will be issued.

6. Data Ownership

You retain ownership of all portfolio data you enter into Crucible. We do not claim any ownership rights over your data.

You may delete your account and all associated data at any time through your account settings. Upon account deletion, all your data will be permanently deleted immediately, except for payment records which may be retained for tax and legal compliance purposes.

7. Prohibited Uses

You agree not to:

  • Use the service for any illegal purpose
  • Attempt to gain unauthorized access to any part of the service
  • Interfere with or disrupt the service or servers
  • Scrape, copy, or redistribute any content from the service
  • Use automated systems to access the service without permission
  • Impersonate another person or entity

8. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, CRUCIBLE AND ITS OWNER SHALL NOT BE LIABLE FOR:

  • Any financial losses resulting from investment decisions you make
  • Inaccuracies in spot prices or portfolio calculations (we rely on third-party data providers)
  • Service downtime, interruptions, or unavailability
  • Data breaches, unauthorized access, or security incidents
  • Loss of data or corruption of data
  • Any indirect, incidental, special, consequential, or punitive damages

IN NO EVENT SHALL OUR TOTAL LIABILITY EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM.

9. Disclaimer of Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE.

10. Indemnification

You agree to indemnify and hold harmless Crucible and its owner from any claims, damages, losses, or expenses arising from your use of the service, your violation of these terms, or your violation of any rights of another party.

11. Termination

We may terminate or suspend your account at any time, with or without cause, with or without notice. You may delete your account at any time through your account settings. Upon termination, your right to use the service ceases immediately.

12. Changes to Terms

We reserve the right to modify these terms at any time. We will notify users of material changes via email or through the service. Your continued use of the service after changes constitutes acceptance of the new terms.

13. Governing Law

These terms shall be governed by and construed in accordance with the laws of the State of California, United States, without regard to its conflict of law provisions.

14. Contact

For questions about these Terms of Service, please contact us at 925mher@gmail.com.