End-User License Agreement (EULA)

Effective Date: November 13, 2026
Last Updated: November 13, 2026

This End-User License Agreement ("Agreement" or "EULA") is a legal agreement between you ("you" or "User") and IAMISHAAN LLC ("IAMISHAAN," "Company," "we," "us," or "our").

This Agreement governs your download, installation, access to, and use of IAMISHAAN mobile applications, including:

iTTMM — shared expense management and financial organization.
iDET — business finance and expense management.
iSkyRun — gaming and entertainment.
Other mobile applications published by IAMISHAAN LLC that expressly link to this Agreement.

These applications are collectively referred to as the "Applications."

By downloading, installing, accessing, or using an Application, you agree to this Agreement. If you do not agree, do not use the Application.

1. License Grant

Subject to compliance with this Agreement, IAMISHAAN grants you a limited, non-exclusive, non-transferable, revocable license to download, install, and use the Applications on devices you own or control, as permitted by the applicable app store's usage rules.

The Applications are licensed, not sold.

You may use iTTMM for personal expense management and iDET for lawful personal or internal business activities consistent with their intended functionality.

The license does not transfer ownership of any Application or its intellectual property.

2. Eligibility and Age Requirements

You must meet the minimum age requirements applicable to the particular Application, its app-store listing, and the laws of your jurisdiction.

Where legally required, minors must have permission or supervision from a parent or legal guardian.

Some IAMISHAAN services may have additional age restrictions because of account features, financial functionality, or applicable law.

An Application intended for younger audiences may be subject to additional child-safety and privacy protections.

3. License Restrictions

Except where permitted by applicable law or authorized by IAMISHAAN, you may not:

Copy, distribute, sell, rent, sublicense, or commercially redistribute the Applications.
Reverse engineer, decompile, or attempt to extract source code, except where such restrictions are prohibited by law.
Remove copyright, trademark, or proprietary notices.
Interfere with application security or functionality.
Attempt unauthorized access to accounts, systems, or data.
Use the Applications for unlawful, fraudulent, or abusive activities.
Circumvent subscription restrictions, payment systems, or technical protections.

4. User Accounts and Security

Certain Applications require account registration.

You agree to provide accurate information where required and to take reasonable steps to protect your account credentials.

You are responsible for activities performed through your account to the extent permitted by applicable law.

Notify IAMISHAAN through the applicable support channel if you suspect unauthorized account access.

We may restrict or suspend accounts when reasonably necessary to protect users, investigate abuse, or enforce this Agreement.

5. User-Generated Content

Some Applications allow users to create, upload, store, or share information, including:

Expense and financial records.
Group messages and communications.
Images, receipts, and attachments.
Profile information.
Business records.
Other user-submitted content.

You retain ownership of content you lawfully create or submit.

You grant IAMISHAAN a limited, non-exclusive license to host, store, process, transmit, display, and otherwise use that content only as reasonably necessary to provide, secure, maintain, and improve the applicable services, subject to our Privacy Policy and applicable law.

You are responsible for ensuring that your content does not violate the rights of others or applicable law.

6. Prohibited Content and Conduct

You may not use the Applications to:

Harass, threaten, or abuse others.
Distribute unlawful or infringing material.
Impersonate another person or organization.
Distribute malware or malicious code.
Send spam or unauthorized solicitations.
Commit fraud or manipulate financial records unlawfully.
Violate another person's privacy.
Exploit, endanger, or otherwise harm minors.

IAMISHAAN may investigate reports and remove content or restrict accounts when reasonably necessary to enforce these rules.

Where available, users may report inappropriate content or block other users through the Application.

7. Financial and Business Information

iTTMM and iDET provide software tools for organizing and managing financial information.

Unless expressly stated otherwise, these Applications do not provide banking services, hold customer funds, or independently execute transfers between financial institutions.

Expense balances, settlements, reports, and calculations depend on user-entered information and application assumptions.

You are responsible for verifying important financial information.

The Applications do not provide personalized investment, tax, legal, or professional accounting advice.

8. Subscriptions and In-App Purchases

Certain Applications may offer free and paid features, including recurring subscriptions.

Purchases may be processed through the Apple App Store or Google Play.

Where applicable:

Subscription prices and billing periods are displayed before purchase.
Subscriptions may renew automatically unless canceled according to the applicable platform's terms.
Subscription management and cancellation are generally handled through the relevant app-store account.
Deleting an Application does not automatically cancel an active subscription.
Refund eligibility is determined by applicable law and the policies of the platform or merchant processing the transaction.

Subscription access may be verified through authorized service providers, including RevenueCat.

Additional terms disclosed during purchase may apply.

9. Advertising

Certain Applications or subscription tiers may display advertising.

Advertising availability and formats may vary by application, platform, region, and subscription plan.

Information about advertising-related data processing is provided in our Privacy Policy.

10. Artificial Intelligence Features

Some Applications may provide optional AI-assisted features.

AI-generated content may be incomplete, inaccurate, or unsuitable for a particular purpose.

You should independently verify important information before relying on AI-generated responses.

AI features are not a substitute for qualified professional advice.

11. Intellectual Property

The Applications, including their original software, designs, interfaces, graphics, branding, and other protected materials, are owned by IAMISHAAN LLC or its licensors.

All rights not expressly granted in this Agreement are reserved.

Nothing in this Agreement grants permission to use IAMISHAAN trademarks or branding without authorization.

12. Feedback and Suggestions

You may voluntarily provide suggestions, comments, or feedback about the Applications.

You grant IAMISHAAN permission to use non-confidential feedback to develop, improve, or modify its products without an obligation to provide compensation.

This does not transfer ownership of your private financial records or other personal content.

13. Application Updates

IAMISHAAN may release updates, bug fixes, improvements, and security patches.

Some updates may be necessary to maintain compatibility, functionality, or security.

Features may change or become unavailable over time.

Where required by applicable law, we will provide appropriate notice or remedies for material changes.

14. Maintenance and Support

IAMISHAAN is responsible for support and maintenance obligations applicable to its Applications, to the extent required by law and this Agreement.

Apple and Google are not responsible for providing maintenance or support for IAMISHAAN Applications solely because an Application is distributed through their stores.

Support requests may be submitted through the applicable Application or IAMISHAAN's official website.

15. Third-Party Services

Applications may integrate with or link to third-party services, including:

Apple App Store and Google Play.
Cloud infrastructure and authentication providers.
Subscription-management providers.
Advertising and analytics services.
Other services necessary for specific Application features.

Third-party services may be governed by their own terms and privacy policies.

IAMISHAAN is not responsible for third-party services outside its control, except where applicable law provides otherwise.

16. Privacy and Data Protection

Our Privacy Policy explains how information may be collected, used, shared, retained, and protected.

Account and data deletion options may vary by Application.

Where supported, users may initiate deletion within the Application or contact IAMISHAAN through the applicable support channel.

17. Suspension and Termination

This Agreement remains effective until terminated by you or IAMISHAAN.

You may stop using an Application and uninstall it at any time.

Where supported, you may also request account deletion.

IAMISHAAN may suspend or terminate access when reasonably necessary because of material violations, security threats, fraud, or legal obligations.

Where appropriate and legally required, we will provide notice and an opportunity to address the issue.

Termination does not automatically cancel an app-store subscription. Subscriptions must be managed through the applicable purchase platform.

18. Disclaimer of Warranties

To the extent permitted by applicable law, the Applications are provided on an "as is" and "as available" basis.

IAMISHAAN does not guarantee uninterrupted availability, error-free operation, or that every feature will meet every user's requirements.

Nothing in this Agreement excludes warranties or consumer protections that cannot lawfully be excluded.

19. Limitation of Liability

To the extent permitted by applicable law, IAMISHAAN LLC will not be liable for indirect, incidental, special, or consequential damages arising from use of the Applications.

Nothing in this Agreement excludes or limits liability that cannot legally be excluded or limited.

Applicable consumer protection laws may provide additional rights and remedies.

20. Product Claims

IAMISHAAN, rather than Apple or Google solely in their capacity as application distributors, is responsible for addressing claims relating to IAMISHAAN Applications to the extent required by applicable law.

Such claims may include product liability, regulatory compliance, consumer protection, and intellectual-property matters.

Nothing in this section limits rights or remedies available under applicable law.

21. App Store Terms

Apple App Store

For Applications obtained through Apple's App Store:

This Agreement is between you and IAMISHAAN LLC, not Apple.
IAMISHAAN is responsible for the Application and its content.
Your license is subject to Apple's applicable usage rules, including permitted family-sharing arrangements.
Apple has no obligation to provide maintenance or support for the Application.
Where an Application fails to conform to an applicable warranty, you may notify Apple and request any refund available under Apple's applicable rules and law.
IAMISHAAN is responsible for addressing applicable Application-related claims, including intellectual-property infringement claims, to the extent required by law.
Apple and its subsidiaries are third-party beneficiaries of this Agreement and may enforce applicable provisions against you.

Google Play

For Applications obtained through Google Play:

Your use is subject to applicable Google Play terms and policies.
Purchases, subscription management, and refunds may be governed by Google Play rules and applicable law.
IAMISHAAN remains responsible for its Applications and their content, subject to applicable law.

22. United States Legal Compliance

You represent that your use of the Applications will comply with applicable United States export-control and sanctions laws.

You must not use or transfer the Applications in violation of applicable restrictions.

23. Governing Law

This Agreement is governed by the laws of the State of New Jersey, United States, without regard to conflict-of-law principles, except where mandatory laws require otherwise.

Nothing in this section limits consumer rights that cannot be waived under applicable law.

24. Severability

If any provision of this Agreement is determined to be invalid or unenforceable, the remaining provisions will remain in effect to the extent permitted by law.

25. Changes to This Agreement

IAMISHAAN may update this Agreement to reflect changes in its Applications, business operations, or legal requirements.

The updated version will be published with a revised Last Updated date.

Where required by law, we will provide additional notice or obtain consent before material changes take effect.

26. Entire Agreement

This Agreement, together with applicable additional terms expressly presented for a particular Application or service, governs the licensing and use of the Applications.

Nothing in this section overrides mandatory legal rights or applicable app-store requirements.

27. Contact Information

IAMISHAAN LLC

Website: https://www.iamishaan.com

Contact: https://www.iamishaan.com/contact-us/

iTTMM Support: ittmm@iamishaan.com

For questions about this Agreement, please contact IAMISHAAN through the official website or applicable Application support channel.