Effective Date: October 28, 2026
Application: Epiquos — A Living Ledger
Contact: rwhitlock712@gmail.com
By downloading, installing, or using Epiquos — A Living Ledger ("Epiquos"), you agree to these Terms of Service.
If you do not agree, please discontinue use of the application.
Epiquos is a personal financial management application designed to help individuals organize and understand their financial activity.
Features include income tracking, expenditure management, Budget Differential calculations, Flow Scores, Flow Chapters, savings planning, and financial projections.
Epiquos is a financial organization and awareness tool. It does not provide banking, investment, tax, or professional financial advisory services.
Epiquos provides a 30-day free trial with access to its available features.
After the trial, continued premium access requires a one-time $10 lifetime unlock through the supported application store.
The lifetime unlock applies to the purchased application license and is not a guarantee that the application or any particular service will remain available indefinitely.
Eligible purchases may be restored using the application store's purchase restoration system.
Refunds are subject to applicable law and the policies of the relevant application store.
Users are responsible for the accuracy of the financial information they enter.
Budget Differential, Flow Score, projections, estimates, and other calculations are informational and should not be treated as guarantees of financial outcomes.
Users should independently verify important financial decisions.
Epiquos is designed with an emphasis on user privacy and control over personal financial records.
Optional cloud backup and restore functionality may be provided through Google Drive or other supported services.
Users are responsible for maintaining access to their devices, accounts, and available backups.
Details about data handling are provided in the Epiquos Privacy Policy.
Epiquos may receive updates, improvements, corrections, and additional functionality.
Certain features may depend on operating system compatibility or third-party services.
While reasonable efforts are made to maintain application reliability, uninterrupted or error-free operation cannot be guaranteed.
The Epiquos name, branding, original artwork, software, and application design are the intellectual property of their respective rights holders.
Users receive a limited, personal, non-exclusive, non-transferable license to use the application in accordance with these Terms and applicable application store rules.
Users may not redistribute, reverse engineer, or commercially exploit protected application materials except as permitted by applicable law.
To the extent permitted by applicable law, Epiquos and its developer are not liable for indirect, incidental, or consequential damages arising from use of the application, including financial decisions made using its calculations or projections.
Nothing in these Terms excludes rights or remedies that cannot legally be excluded.
These Terms may be updated to reflect application developments, legal requirements, or changes to supported services.
Updated Terms will be made available on the official Epiquos website with a revised effective date.
For questions concerning these Terms of Service, contact:
rwhitlock712@gmail.com
Official website: https://www.epiquos.com