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Last updated: 24 May 2026

These Terms of Service ("Terms") govern your use of the mobile application Your Dreams (the "App"), developed and operated by Lutarea ("we", "us", or "our"). The App is distributed for Apple platforms (iPhone and iPad) and is listed on the Apple App Store under the name Your Dreams.

By downloading, installing, or using the App, you agree to these Terms. If you do not agree, do not use the App.

1. The App and eligibility

Your Dreams helps you plan and track personal savings goals ("dreams") with financial calculators, optional vision board, widgets, Apple Watch companion, optional iCloud sync, optional JSON backup, optional local reminders, and optional app lock. Calculator results are estimates for planning only — not investment, tax, or legal advice. You must be able to form a binding contract in your jurisdiction and meet any minimum age required by Apple and applicable law.

2. Apple App Store

If you obtain the App through the Apple App Store, your use is also subject to Apple's applicable terms and rules. Apple is not responsible for the App or its content, maintenance, or support, except as required by Apple's policies.

3. License

Subject to these Terms, we grant you a personal, revocable, non-exclusive, non-transferable, non-sublicensable license to install and use the App on Apple devices you own or control, in accordance with the usage rules of the store from which you obtained the App.

• You may not copy, modify, distribute, sell, lease, or reverse engineer the App except where mandatory law allows.
• You may not use the App in any way that violates applicable law or infringes third-party rights.

4. Your data and conduct

You are responsible for the financial information and goals you enter. The App does not connect to your bank accounts unless you manually enter figures. Optional features may use Apple frameworks you approve (for example biometric authentication for app lock, or photo library access for vision-board images).

5. Export, import, and sharing

The App may let you export or import JSON backups, export calculator results to PDF, and share progress cards through the system share sheet. You are responsible for what you export and share. iCloud sync and backups are provided through Apple's services under Apple's terms.

6. Changes to the App and Terms

We may update the App or these Terms from time to time. Material changes will be reflected by updating the "Last updated" date on this page. Continued use after changes constitutes acceptance of the updated Terms where permitted by law.

7. Disclaimer

The App is provided on an "as is" and "as available" basis, without warranties of any kind, whether express or implied, to the fullest extent permitted by law. Calculators use assumptions you provide; actual outcomes may differ.

8. Limitation of liability

To the maximum extent permitted by applicable law, Lutarea and its contributors will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, goodwill, or business opportunities, arising out of or in connection with your use of the App. Our aggregate liability for any claim arising from the App will not exceed the greater of (a) the amount you paid us for the App in the twelve months before the claim or (b) zero if the App is free.

Some jurisdictions do not allow certain limitations; in those cases, liability is limited to the fullest extent permitted.

9. Termination

You may stop using the App at any time by uninstalling it. We may cease providing the App where required by law or if you materially breach these Terms.

10. Governing law and disputes

These Terms are governed by applicable law without regard to conflict-of-law principles, subject to non-waivable consumer rights in your country of residence.

11. Contact

For questions about these Terms: support@lutarea.com. Product support: see our Support page.