Murmur Terms of Use+
Privacy Policy

Terms of Service for Murmur

Effective Date: January 28, 2026

Last Updated: January 28, 2026

These Terms of Service ("Terms") govern your use of the Murmur mobile application (the "App") operated by 1532863 B.C. Ltd. ("we," "us," or "our"). By downloading, installing, or using the App, you agree to be bound by these Terms.

IF YOU DO NOT AGREE TO THESE TERMS, DO NOT USE THE APP.

1. Acceptance of Terms

By accessing or using Murmur, you confirm that:

• You are at least 13 years old (or the age of majority in your jurisdiction)

• You have the legal capacity to enter into these Terms

• You will comply with all applicable laws and regulations when using the App

If you are under 18, you must have permission from a parent or guardian to use the App.

2. License to Use the App

2.1 Grant of License

We grant you a limited, non-exclusive, non-transferable, revocable license to use the App on your personal iOS device for personal, non-commercial use, subject to these Terms.

2.2 Restrictions

You may NOT:

• Copy, modify, distribute, sell, or lease any part of the App

• Reverse engineer, decompile, or disassemble the App

• Use the App for any illegal or unauthorized purpose

• Attempt to access or interfere with the App's servers or networks

• Use the App to harass, abuse, or harm others

• Upload malicious code, viruses, or harmful content

• Use automated tools (bots, scrapers) to access the App

• Resell, sublicense, or redistribute access to the App

3. Subscriptions and Payments

3.1 Subscription Plans

Murmur offers the following subscription options:

• Weekly Subscription: Auto-renews every week

• Monthly Subscription: Auto-renews every month

• Annual Subscription: Auto-renews every year

Pricing is displayed in the App and may vary by region. All prices are in your local currency and include applicable taxes.

3.2 Free Trial

We may offer a 7-day free trial for new users. You will not be charged until the trial period ends. If you do not cancel before the trial ends, your subscription will automatically begin, and you will be charged.

3.3 Payment and Billing

• Payments are processed through Apple's App Store (In-App Purchase)

• Payment will be charged to your Apple ID account at confirmation of purchase

• Subscriptions automatically renew unless you cancel at least 24 hours before the current period ends

• Your account will be charged for renewal within 24 hours prior to the end of the current period

• You can manage your subscription and turn off auto-renewal in your Apple ID Account Settings

3.4 Cancellation and Refunds

• You may cancel your subscription at any time from your Apple ID Account Settings

• Cancellation takes effect at the end of your current billing period

• No refunds for partial subscription periods

• Refund requests must be made through Apple, as all payments are processed by Apple's App Store

• We do not have access to Apple's refund policies or decisions

3.5 Price Changes

We reserve the right to change subscription prices at any time. Price changes will:

• Apply to new subscribers immediately

• Apply to existing subscribers upon their next renewal period

• Be communicated to you in advance via email or in-app notification

4. User Content and Data

4.1 Your Data

You retain all ownership rights to the content you create in Murmur, including:

• Voice recordings

• Journal entries and reflections

• Tasks and notes

• Photos and attachments

4.2 Data Processing

By using the App, you grant us permission to:

• Process your voice recordings through OpenAI Whisper API for transcription

• Process transcripts through Anthropic Claude AI for generating reflections and tasks

• Store your journal data locally on your device

• Sync your data to iCloud (if you enable this feature)

See our Privacy policy below for details on how we handle your data

4.3 Prohibited Content

You may not use the App to create, store, or share content that:

• Is illegal, harmful, threatening, abusive, or defamatory

• Infringes on intellectual property rights

• Contains viruses or malicious code

• Violates the privacy or rights of others

While your journal is private, we reserve the right to investigate and take action if we become aware of prohibited content.

5. Intellectual Property

5.1 Our Ownership

All rights, title, and interest in the App, including:

• Software code, design, and functionality

• Murmur name, logo, and branding

• Documentation and user interface

...are owned by 1532863 B.C. Ltd. and protected by copyright, trademark, and other intellectual property laws.

5.2 Your Ownership

You retain all rights to the content you create using the App. We do not claim ownership of your journal entries, voice recordings, or other personal content.

6. Third-Party Services

The App integrates with third-party services (OpenAI, Anthropic, Supabase, Apple iCloud) to provide AI features and data syncing. Your use of these services is subject to their respective terms and privacy policies:

• OpenAI Terms: https://openai.com/terms/

• Anthropic Terms: https://www.anthropic.com/legal/terms

• Supabase Terms: https://supabase.com/terms

• Apple iCloud Terms: https://www.apple.com/legal/internet-services/icloud/

We are not responsible for the availability, functionality, or policies of third-party services.

7. Disclaimers and Limitation of Liability

7.1 App Provided "As Is"

THE APP IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

• Warranties of merchantability or fitness for a particular purpose

• Warranties that the App will be uninterrupted, secure, or error-free

• Warranties regarding the accuracy or reliability of AI-generated content

7.2 No Medical or Professional Advice

Murmur is a journaling and productivity tool, not a substitute for professional medical, psychological, or therapeutic advice. The AI-generated reflections are for informational purposes only and should not be relied upon for:

• Mental health diagnosis or treatment

• Medical advice

• Legal, financial, or professional counseling

If you are experiencing a mental health crisis, please contact a qualified healthcare provider or crisis hotline immediately.

7.3 Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, 1532863 B.C. LTD. SHALL NOT BE LIABLE FOR ANY:

• Indirect, incidental, special, consequential, or punitive damages

• Loss of data, profits, revenue, or business opportunities

• Damages arising from your use or inability to use the App

• Damages caused by third-party services (OpenAI, Anthropic, etc.)

OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING FROM THESE TERMS SHALL NOT EXCEED THE AMOUNT YOU PAID US IN THE 12 MONTHS PRIOR TO THE CLAIM.

Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability, so the above may not apply to you in full.

8. Indemnification

You agree to indemnify, defend, and hold harmless 1532863 B.C. Ltd., its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

• Your violation of these Terms

• Your use or misuse of the App

• Your violation of any third-party rights

• Content you create or upload to the App

9. Privacy

Your privacy is important to us. Please review our Privacy Policy Below to understand how we collect, use, and protect your personal information.

By using the App, you consent to our Privacy Policy.

10. Termination

10.1 Your Right to Terminate

You may stop using the App at any time. To terminate your account:

• Delete the App from your device

• Cancel your subscription through Apple ID Account Settings

10.2 Our Right to Terminate

We reserve the right to suspend or terminate your access to the App at any time, with or without notice, if:

• You violate these Terms

• Your use of the App poses a security or legal risk

• We discontinue the App or service

Upon termination:

• Your license to use the App will end immediately

• You will lose access to the App and any subscription benefits

• Your local data will remain on your device until you delete the App

11. Changes to These Terms

We may update these Terms from time to time. When we make changes:

• We will update the "Last Updated" date at the top of this document

• For material changes, we will notify you via email or in-app notification

• Continued use of the App after changes constitutes acceptance of the new Terms

If you do not agree to the updated Terms, you must stop using the App and cancel your subscription.

12. Governing Law and Dispute Resolution

12.1 Governing Law

These Terms are governed by and construed in accordance with the laws of British Columbia, Canada, without regard to its conflict of law principles.

12.2 Dispute Resolution

Any disputes arising from these Terms or your use of the App shall be resolved through:

1. Informal negotiation: Contact us at admin@tensai.tech to attempt resolution

2. Binding arbitration: If negotiation fails, disputes shall be resolved through binding arbitration in British Columbia, Canada, in accordance with the rules of the British Columbia International Commercial Arbitration Centre (BCICAC)

3. Small claims court: You may bring claims in small claims court if they qualify

12.3 Class Action Waiver

You agree to resolve disputes with us on an individual basis only. You waive any right to bring claims as part of a class action, collective action, or representative proceeding.

13. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect.

14. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and 1532863 B.C. Ltd. regarding your use of the App and supersede any prior agreements.

15. Contact Us

If you have questions about these Terms, please contact us:

1532863 B.C. Ltd.

Email: admin@tensai.tech

We will respond to inquiries within 30 days.

16. Apple-Specific Terms

16.1 Acknowledgment

You acknowledge that these Terms are between you and 1532863 B.C. Ltd., not Apple Inc. ("Apple"). Apple is not responsible for the App or its content.

16.2 Scope of License

Your license to use the App is limited to a non-transferable license to use the App on an Apple-branded device that you own or control, as permitted by Apple's App Store Terms of Service.

16.3 Maintenance and Support

1532863 B.C. Ltd. is solely responsible for providing maintenance and support for the App. Apple has no obligation to provide support.

16.4 Warranty

To the extent permitted by law, Apple provides no warranty for the App. Any claims, losses, or damages arising from the App are the sole responsibility of 1532863 B.C. Ltd., not Apple.

16.5 Product Claims

1532863 B.C. Ltd., not Apple, is responsible for addressing any claims relating to the App, including:

• Product liability claims

• Claims that the App fails to conform to legal requirements

• Claims arising under consumer protection laws

16.6 Intellectual Property

In the event of a third-party claim that the App infringes intellectual property rights, 1532863 B.C. Ltd., not Apple, will be responsible for investigation and defense.

16.7 Third-Party Beneficiary

Apple and its subsidiaries are third-party beneficiaries of these Terms. Upon your acceptance of these Terms, Apple will have the right to enforce these Terms against you as a third-party beneficiary.

Last Updated: January 28, 2026

By using Murmur, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.