Terms of Use

These Terms of Use (“Terms”) are a legal agreement between you and Pattern Bridge (“we”, “us”, “our”), the maker of Provisions (the “app”). By downloading, installing, or using the app, you agree to these Terms. If you do not agree, do not use the app.

1. What Provisions is and is not

Provisions is a tool for sketching and simulating how systems behave so you can think through a decision. It lets you model scenarios such as budgets, a small business, inventory, growth, and break-even, and watch the numbers play out over time.

Provisions does not provide financial, investment, tax, accounting, legal, or other professional advice, and using it does not create any advisory, fiduciary, or professional relationship between you and us. Its projections, figures, charts, and readouts are illustrative estimates generated from the inputs and assumptions you provide. They are simplified by design (a “napkin,” not an accounting or modeling suite), are not guaranteed to be accurate, complete, or current, and must not be relied upon as the sole basis for any decision. Real-world results depend on many factors the app does not capture.

2. Your responsibility: verify before you act

By using the app, you understand and agree that:

• Provisions produces estimates, not facts. Every figure, projection, chart, rate, break-even, runway, and readout is a simplified calculation based solely on the assumptions and inputs you enter. It is not a statement of fact and not a guarantee or prediction of what will actually happen.
• Reality has far more variables than the app models. A napkin cannot capture every tax, fee, timing effect, market condition, human behavior, regulation, or unexpected event that shapes a real outcome. Conditions and assumptions also change over time, so a model that looked right yesterday may not hold tomorrow.
• You must verify independently. Before you rely on, share, or act on any number the app shows, you are solely responsible for checking it yourself, against your own records and, where anything meaningful is at stake, with a qualified professional such as an accountant, financial adviser, or solicitor.
• Your decisions are your own. Any decision you make, and any consequence of that decision, is entirely your responsibility. You agree not to treat the app’s output as advice, as a recommendation, or as the sole basis for any decision.

3. License to use the app

We grant you a personal, limited, non-exclusive, non-transferable, revocable license to use the app on Apple devices you own or control, as permitted by the App Store Usage Rules. You may not copy, modify, distribute, sell, rent, sublicense, reverse-engineer, or attempt to extract the source code of the app, except to the extent that restriction is prohibited by law. We reserve all rights not expressly granted to you. The app, its design, and its content are owned by us and protected by applicable law.

4. Acceptable use

You agree not to use the app to:

• break any law or regulation, or infringe anyone’s rights;
• interfere with, disrupt, or attempt to gain unauthorized access to the app or any system; or
• misrepresent the app’s output as professional advice from us to a third party.

5. Your content stays yours

The models you build (your nodes, pools, flows, values, and layouts) are yours. Provisions saves them locally on your device and does not transmit or collect them; see the Privacy Policy. Because your work is stored only on your device, you are responsible for keeping your own backups. We have no way to recover content that is lost, for example if you delete the app or lose your device.

6. Subscriptions and billing

Provisions is free to use for personal and household planning. An optional Business subscription unlocks the small-business operator features (such as per-product profit, sales-growth assumptions, break-even, and hourly payroll).

• Pricing and any introductory offer (for example, a free first month) are shown in the app at the point of purchase and are the authoritative source; prices may vary by region and may change over time.
• Payment is charged to your Apple ID account at confirmation of purchase. The subscription renews automatically for the same period unless you cancel at least 24 hours before the end of the current period; your account is charged for renewal within 24 hours before the period ends.
• You manage and cancel your subscription in your Apple ID account settings on your device. Cancelling stops future renewals; it does not retroactively refund the current period.
• If you take an introductory free trial, any unused portion is forfeited if you purchase a subscription during the trial.
• We may from time to time make promotional offers or offer codes available (for example, a free period). Redemption is handled by Apple through the App Store. Unless the offer says otherwise, a subscription started with an offer renews at the standard price when the offer period ends, unless you cancel at least 24 hours before it ends.
• If the price of your subscription increases, Apple will notify you in advance; where your consent is required, the subscription will not renew at the new price unless you agree to it.
• If your subscription ends, nothing you built is deleted. Your boards stay on your device, remain viewable, and still run; editing Business-specific settings is locked until you subscribe again, and the free features remain fully available.
• Purchases, billing, and refunds are handled by Apple under the App Store’s terms; refund requests are made to Apple, not to us. Nothing in this section affects your statutory rights.

7. No warranty

THE APP IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND. TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES AND CONDITIONS, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED OR ERROR-FREE, OR THAT ITS CALCULATIONS, PROJECTIONS, OR RESULTS ARE ACCURATE, RELIABLE, OR SUITABLE FOR ANY PARTICULAR PURPOSE. YOU USE THE APP AT YOUR SOLE RISK.

8. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, IN NO EVENT WILL WE BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, BUSINESS, GOODWILL, OR SAVINGS, ARISING OUT OF OR RELATED TO YOUR USE OF, OR INABILITY TO USE, THE APP OR ANY DECISION MADE IN RELIANCE ON IT, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE APP WILL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID US FOR THE APP IN THE TWELVE MONTHS BEFORE THE CLAIM, OR FIFTY POUNDS STERLING (£50).

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN WARRANTIES OR LIABILITIES, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU. NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED BY LAW, INCLUDING LIABILITY FOR DEATH OR PERSONAL INJURY CAUSED BY NEGLIGENCE, OR FOR FRAUD OR FRAUDULENT MISREPRESENTATION. THIS SECTION DOES NOT AFFECT ANY NON-WAIVABLE STATUTORY CONSUMER RIGHTS YOU MAY HAVE. IN PARTICULAR, IF YOU ARE A CONSUMER IN THE UNITED KINGDOM OR THE EUROPEAN UNION, YOU HAVE LEGAL RIGHTS IN RELATION TO DIGITAL CONTENT THAT IS FAULTY OR NOT AS DESCRIBED, AND NOTHING IN THESE TERMS AFFECTS THOSE RIGHTS.

9. Indemnification

TO THE MAXIMUM EXTENT PERMITTED BY LAW, YOU AGREE TO INDEMNIFY, DEFEND, AND HOLD HARMLESS PATTERN BRIDGE AND ITS OWNER FROM AND AGAINST ANY AND ALL CLAIMS, DEMANDS, LOSSES, LIABILITIES, DAMAGES, COSTS, AND EXPENSES (INCLUDING REASONABLE LEGAL FEES) ARISING OUT OF OR RELATED TO: (A) YOUR USE OF THE APP; (B) ANY DECISION, ACTION, OR OMISSION YOU MAKE IN RELIANCE ON THE APP OR ITS OUTPUT; OR (C) YOUR BREACH OF THESE TERMS OR OF ANY APPLICABLE LAW. THIS SECTION DOES NOT APPLY TO THE EXTENT A CLAIM ARISES FROM OUR OWN WILLFUL MISCONDUCT, OR WHERE IT IS PROHIBITED BY THE MANDATORY LAW THAT PROTECTS YOU AS A CONSUMER.

10. Changes to the app and these Terms

We may update, change, or discontinue the app or any of its features at any time. We may also update these Terms; when we do, we will revise the “last updated” date above, and if a change materially affects your rights we will take reasonable steps to bring it to your attention (for example, a notice in the app). Your continued use of the app after a change takes effect means you accept the updated Terms.

11. Termination

These Terms apply until terminated. Your rights under them end automatically if you fail to comply with them. You may end them at any time by deleting the app. Upon termination, you must stop using the app; the sections on your responsibility, warranties, liability, indemnification, disputes, and governing law survive.

12. Apple

These Terms are between you and Pattern Bridge only, not with Apple, and Apple is not responsible for the app or its content. We, not Apple, are responsible for the app and for any maintenance and support of it; Apple has no obligation to provide either. Support requests and any claims relating to the app should be directed to us (Section 15), not Apple. In the event the app fails to conform to any applicable warranty, you may notify Apple, and Apple may refund the purchase price (if any); to the maximum extent permitted by law, Apple has no other warranty obligation with respect to the app. Apple is not responsible for addressing any claims relating to the app, including product-liability, regulatory, or consumer-protection claims, or claims that the app infringes a third party’s intellectual-property rights. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you. You represent that you are not located in a country subject to a U.S. Government embargo or designated by the U.S. Government as a “terrorist supporting” country, and that you are not on any U.S. Government list of prohibited or restricted parties.

13. Governing law

These Terms are governed by the laws of England and Wales, without regard to its conflict-of-laws rules, and the courts of England and Wales will have exclusive jurisdiction over any dispute arising out of or relating to the app or these Terms, except that, if you are a consumer, you may also be entitled to bring a claim in the courts of your country of residence, and nothing in these Terms removes any protection that the mandatory law of your home country grants you and that cannot be waived by agreement.

14. Disputes: individual claims only

If you have a problem, talk to us first: email gabriel@thepatternbridge.com with a description of the issue, and give us sixty (60) days to try to resolve it informally before starting any formal proceedings. Most issues are fixable this way.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOU AND PATTERN BRIDGE EACH AGREE THAT ANY DISPUTE ARISING OUT OF OR RELATING TO THE APP OR THESE TERMS MAY BE BROUGHT ONLY IN AN INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, CONSOLIDATED, OR REPRESENTATIVE PROCEEDING. EACH OF US WAIVES ANY RIGHT TO PARTICIPATE IN SUCH A PROCEEDING AND, WHERE APPLICABLE, ANY RIGHT TO A TRIAL BY JURY. A COURT MAY NOT CONSOLIDATE ANOTHER PERSON’S CLAIMS WITH YOURS OR PRESIDE OVER ANY FORM OF REPRESENTATIVE PROCEEDING. EITHER PARTY MAY STILL BRING AN INDIVIDUAL CLAIM IN SMALL-CLAIMS COURT, AND, WHERE PERMITTED BY LAW, ANY CLAIM MUST BE STARTED WITHIN ONE (1) YEAR OF THE EVENTS GIVING RISE TO IT.

THIS SECTION DOES NOT APPLY WHERE IT IS PROHIBITED BY LAW. IN PARTICULAR, IF YOU ARE A CONSUMER IN THE UNITED KINGDOM OR THE EUROPEAN UNION, MANDATORY LAW MAY GIVE YOU RIGHTS TO BRING OR JOIN COLLECTIVE PROCEEDINGS THAT CANNOT BE WAIVED BY AGREEMENT, AND NOTHING IN THIS SECTION AFFECTS THOSE RIGHTS. IF THE WAIVER IN THIS SECTION IS FOUND UNENFORCEABLE AS TO A PARTICULAR CLAIM OR REMEDY, IT IS SEVERED FOR THAT CLAIM OR REMEDY ONLY, AND THE REMAINDER OF THESE TERMS STAYS IN FULL FORCE.

15. Contact

Questions about these Terms? Email gabriel@thepatternbridge.com.