Terms of Service

1. Who we are

LifeNavia is operated by Origin Collective Limited, a company registered in England and Wales (company number 16566341), with its registered office at 124-128 City Road, London EC1V 2NX, United Kingdom ("we," "us," "our").

If you have any questions about these Terms, contact us via our Contact page.

2. Acceptance of these Terms

By creating an account or using LifeNavia (the "Service"), you agree to be bound by these Terms of Service. If you do not agree, please do not use the Service.

You must be at least 16 years old to use LifeNavia.

3. Description of the Service

LifeNavia is a personal productivity tool that lets you track habits, budgets, goals, reading progress, workouts, and travel plans in one dashboard. The Service is offered on a Free plan and a paid "Pro" subscription plan, as described on our Pricing page.

4. Your account

• You are responsible for maintaining the confidentiality of your account credentials.
• You are responsible for all activity that occurs under your account.
• You must provide accurate information when creating your account.
• You may delete your account at any time from your account settings.

5. Subscription plans and billing

5.1 Free plan

The Free plan is available at no cost, subject to the usage limits described on our Pricing page (currently: up to 3 active habits, 1 active goal, 1 trip, 1 book in progress, and current-month budget tracking with built-in categories).

5.2 Pro plan

The Pro plan is a paid subscription billed at $6.99/month (USD) or $39.99/year (USD), charged in advance on a recurring basis until you cancel. All LifeNavia subscriptions are billed in US dollars regardless of your location.

5.3 Automatic renewal

Your Pro subscription will automatically renew at the end of each billing period unless you cancel before the renewal date. You can cancel at any time from your account settings; cancellation takes effect at the end of your current billing period, and you will retain Pro access until then.

5.4 Price changes

We may change subscription prices from time to time. If we do, we will give you at least 30 days' notice before the change takes effect. Continuing to use the Service after a price change takes effect constitutes acceptance of the new price.

5.5 Payment processing

Payments are processed by a third-party payment provider. We do not store your full payment card details.

6. Cancellation and refunds

See our separate Refund & Cancellation Policy, which forms part of these Terms.

7. Acceptable use

You agree not to:

• Use the Service for any unlawful purpose;
• Attempt to gain unauthorized access to other users' accounts or data;
• Reverse-engineer, scrape, or attempt to extract the Service's source code;
• Use automated means to create accounts or access the Service in a way that could disrupt it for other users;
• Upload content that is unlawful, infringing, or harmful.

We reserve the right to suspend or terminate accounts that violate these Terms.

8. Your data and content

You retain ownership of the data you enter into LifeNavia (habits, budget entries, goals, notes, etc.). You can export your data at any time from your account settings. See our Privacy Policy for details on how we collect, use, and protect your data.

9. Service availability

We aim to keep LifeNavia available and reliable, but we do not guarantee uninterrupted access. We may temporarily suspend the Service for maintenance, updates, or reasons beyond our control. We are not liable for any loss resulting from downtime.

10. Disclaimers

LifeNavia is a personal organization tool. It is not financial, medical, or professional advice. Budget summaries, goal tracking, and other features are provided for your convenience only and should not be relied upon as a substitute for professional financial or health guidance.

The Service is provided "as is" without warranties of any kind, to the fullest extent permitted by law.

11. Limitation of liability

To the fullest extent permitted by law, Origin Collective Limited will not be liable for any indirect, incidental, or consequential damages arising from your use of the Service. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law (including liability for death, personal injury caused by negligence, or fraud).

Nothing in these Terms affects your statutory rights as a consumer under UK law, including the Consumer Rights Act 2015.

12. Changes to these Terms

We may update these Terms from time to time. If we make material changes, we will notify you (e.g. by email or an in-app notice) before the changes take effect.

13. Termination

You may stop using the Service and delete your account at any time. We may suspend or terminate your account if you materially breach these Terms.

14. Governing law

These Terms are governed by the laws of England and Wales. Any disputes will be subject to the exclusive jurisdiction of the courts of England and Wales, without prejudice to any mandatory consumer protections available to you in your country of residence.

15. Contact