Terms of Service

Last updated: 2026-08-02

These Terms of Service ("Terms") are a contract between you and saffadigital (private trader (toiminimi), Business ID 2538095-1), registered in Finland (EU) ("we", "us"), for use of the What Would the Stoics Do app and website (the "App"). By downloading or using the App, you accept these Terms. If you do not accept them, do not use the App.

Nothing in these Terms limits your mandatory rights as a consumer under Finnish or EU law; where a clause conflicts with those rights, the law prevails.

1. Eligibility

You must be at least 16 years old to use the App and have the legal capacity to enter this contract.

2. The service and your account

The App provides reflective, philosophical, and educational content, including AI-generated Stoic responses, public-domain texts, journaling, daily reflections, and an optional anonymous community where you can share answers, comment, and vote under a pseudonym. We may add, change, or remove features. We aim for high availability but do not guarantee the App will be uninterrupted or error-free.

To use the App you create an account with an email address and a password. You are responsible for keeping your login details secure and for activity under your account. You can delete your account at any time from within the App (see the Privacy Policy for what deletion removes).

3. Important: the App is not professional advice

The App is for reflection and education only and is not medical, mental-health, legal, financial, or other professional advice, and not a crisis or emergency service. AI responses may be inaccurate and must not be relied upon for important decisions. Please read the full Disclaimer, which forms part of these Terms. In an emergency, call 112.

4. Acceptable use

You agree not to: use the App unlawfully; submit content that is illegal, abusive, hateful, or infringing; attempt to break, overload, reverse-engineer, or circumvent limits or security of the App; use it to harm others; or resell or commercially exploit it without our permission. We may suspend or terminate access for breach.

5. Your content

Your conversations with the mentor and your journal entries are stored on your device (see the Privacy Policy). You keep ownership of what you write. You are responsible for your inputs and for keeping your own backups; because we do not store this content, we cannot recover it if you delete it or lose your device.

If you post in the community (shared answers, comments, votes), that content is stored on our servers under your pseudonym. You keep ownership of it, but you grant us a licence to host and display it within the App so the community works, and you are responsible for ensuring it is lawful and not abusive, hateful, or infringing. We may remove community content and suspend accounts that breach section 4.

6. Free tier, ads, and fair use

The free tier offers a limited number of AI questions per day and is supported by advertising (shown only with your consent). We apply fair-use and security limits and may pause the free tier if overall usage exceeds our operating budget. We may change free-tier limits.

7. Subscriptions, top-ups, billing, and renewal

7.1 Paid plans. "Plus" is offered as a monthly (£4.99) or annual (£29.99) auto-renewing subscription, with a one-off lifetime option (£49.99); optional question top-ups are one-off purchases. Current prices are shown in the App before you buy, inclusive of applicable VAT.

7.2 Seller of record / payment. In-app purchases are sold and processed by Apple (App Store) or Google (Google Play) under their terms; they handle your payment and act as merchant of record. Subscription entitlements are managed on our side through RevenueCat.

7.3 Auto-renewal. Subscriptions renew automatically for the same period at the then-current price unless cancelled at least 24 hours before the period ends. You can cancel anytime in your Apple/Google account settings; cancellation takes effect at the end of the current paid period.

7.4 Right of withdrawal (EU). Digital content and services normally carry a 14-day right of withdrawal. By starting to use a paid feature immediately, you expressly request immediate performance and acknowledge that you lose the 14-day withdrawal right once the service has been fully provided / used. Statutory consumer rights otherwise apply.

7.5 Refunds. In-app purchases are subject to the refund policies of Apple/Google. Your mandatory legal rights are unaffected. Consumers in Brazil also have a 7-day right of regret under Article 49 of the Consumer Defence Code (Código de Defesa do Consumidor) for purchases made online.

7.6 Price changes. We may change prices for future periods; we will give notice and you may cancel before a change takes effect.

8. Intellectual property

The App, its design, software, branding, and original content are owned by us or our licensors and protected by law. We grant you a personal, non-exclusive, non-transferable, revocable licence to use the App for your own personal, non-commercial use. Public-domain texts are not owned by us. You may not copy, distribute, or create derivative works from the App except as the law allows.

9. Third-party services and links

The App relies on third parties (AI providers, app stores, ad networks) and links to external sites (e.g. the Shop, which may contain affiliate links). We are not responsible for third-party services, content, or sites, which are governed by their own terms.

10. Disclaimer of warranties

To the fullest extent permitted by law, and without limiting your mandatory consumer rights, the App is provided "as is" and "as available" without warranties of any kind, including fitness for a particular purpose, accuracy, or that content (including AI output) is correct or suitable for your needs.

11. Limitation of liability

To the fullest extent permitted by law:

• We are not liable for indirect, incidental, special, or consequential loss, or for loss of data, profit, or goodwill, arising from your use of the App.
• We are not liable for any decision you make in reliance on the App or its AI output — you use it at your own discretion and risk (see the Disclaimer).
• Our total aggregate liability to you for any claim is limited to the greater of (a) the amount you paid us for the App in the 12 months before the claim, or (b) EUR 50.
• To the fullest extent permitted by law, you release us from, and agree not to hold us liable for, claims of any nature arising from the App's content or its AI output, and you accept the risks set out in the Disclaimer. You acknowledge that AI responses may be inaccurate and that you use them at your own discretion and risk.

Nothing in these Terms excludes or limits liability that cannot be excluded by law — including liability for death or personal injury caused by our negligence, for fraud, or under mandatory consumer-protection law. Because some limitations are not permitted in all cases, parts of this section may not apply to you.

12. Indemnity

To the extent permitted by law, you agree to cover reasonable losses we incur due to your unlawful use of the App or your breach of these Terms. (This does not apply to ordinary consumer use within the Terms.)

13. Suspension and termination

You may stop using the App and delete it at any time. We may suspend or end your access if you materially breach these Terms or the law, or if we discontinue the App.

14. Changes to these Terms

We may update these Terms; we will post the updated version with a new date and, for material changes, notify you in the App. Continued use after changes means you accept them; if you do not, stop using the App.

15. Governing law and disputes

15.1 These Terms are governed by Finnish law. As a consumer, you also keep the protection of mandatory provisions of the law of your country of residence.

15.2 Resolving disputes amicably first: please contact us at hello@whatwouldthestoicsdo.com. We genuinely try to resolve issues directly.

15.3 Consumer dispute bodies (EU/Finland): if we cannot resolve it, a consumer in Finland may contact the Consumer Advisory Service and refer the matter to the Consumer Disputes Board (Kuluttajariitalautakunta). EU consumers may also use the European Commission's online dispute resolution platform. These rights are in addition to any court action you are entitled to bring.

16. Contact

saffadigital, registered in Finland (EU). hello@whatwouldthestoicsdo.com. A postal address is available on request.