TERMS OF SERVICE

Stumbl is an unincorporated venture based in New South Wales, Australia, operated by Pete Reinke (founder) and Nick (Chief Financial Officer and Head of Support). Stumbl is currently in closed TestFlight beta, distributed only to users within Australia.

• Email: nick@stumbl.me
• Post: 35 Wellington Street, Bondi Beach NSW 2026, Australia

How we handle your personal information is described separately in our Privacy Policy.

You must be at least 13 years of age to create a Stumbl account. Users aged 13 to 17 may only use Stumbl through a Managed Child Account created and supervised by an adult guardian (see the Privacy Policy for how that works).

You must provide accurate information during signup, including your date of birth. We enforce the 13+ age gate at three layers (client validation, server trigger, and per-experience age gate), and we will terminate any account we discover belongs to someone under 13.

You are responsible for:

• Keeping your login credentials secure. Don't share your password.
• Every action taken through your account, whether by you or by someone you've let use it.
• Keeping your profile information (email, emergency contact, allergies) current if you want those features to work properly.

We will never ask you for your password. You may close your account at any time via Settings → Privacy → Delete my account. Deletion is a hard cascade across 40+ database tables; some encrypted backups may persist for up to 30 days before expiring.

Stumbl is a private experience-sharing platform. Content you post in an experience is visible to the members of that experience. You agree that you will not post or share any of the following:

• Illegal content, including anything that breaches Australian law, NSW law, or the law where any affected person is located.
• Sexual content involving minors. Any such content will be reported to the authorities and your account permanently banned.
• Non-consensual intimate imagery.
• Harassment, bullying, threats, or incitement of violence.
• Hate speech targeting someone on the basis of race, ethnicity, national origin, religion, gender, sexual orientation, disability, or other protected characteristic.
• Doxxing — sharing another person's private identifying information without consent.
• Malware, phishing links, or anything designed to compromise other users' devices or accounts.
• Spam, scams, pyramid schemes, or deceptive commercial content.
• Content that infringes anyone else's intellectual property.
• Content you know to be false in a way that could cause real harm.
• Anything Stumbl reasonably believes is objectionable, consistent with the standards that apply to App Store apps.

Repeat or serious violations result in permanent account termination.

4.1 Zero tolerance for objectionable content

Stumbl has a zero-tolerance policy for objectionable content and abusive behaviour. We:

• Provide in-app Report buttons on every user-generated content surface (photos, messages, profiles, polls, comments, schedule items, chat).
• Provide an in-app Block user mechanism — once you block a user from within an experience you share, they can no longer see, contact, or react to you.
• Review flagged content and block/report requests. We aim to respond within 24 hours during TestFlight and take action where warranted.
• Use automated AI moderation (opt-in) to flag high-risk content before it reaches other members.

If you see content that violates these Terms, use the in-app Report control or email nick@stumbl.me.

Anything you post to Stumbl (photos, videos, messages, polls, schedule items, comments, reactions — collectively, Your Content) remains yours. We claim no ownership over it.

You grant Stumbl a limited, non-exclusive, royalty-free licence to store, display, transmit, and process Your Content solely to the extent necessary to operate Stumbl's features for you and the crews you share it with. This licence:

• Is strictly scoped to the experiences you've joined — we don't display Your Content outside the groups you put it in.
• Includes passing Your Content through the third-party services listed in our Privacy Policy (notably Supabase for storage and Anthropic for AI features when you invoke them).
• Terminates when you delete the content or your account, subject to ordinary backup retention.

We do not use Your Content to train AI models. We do not license or sell Your Content to third parties. We do not use Your Content for advertising.

5.1 Removing Your Content from our systems

You may delete individual photos, messages, poll responses, schedule items, and other Content at any time using the in-app controls. Deleting your account removes all Your Content across all experiences.

Stumbl offers AI features (the AI assistant, recaps, schedule import, receipt scanning, etc.) that send your input to Anthropic's Claude API. See section 2.6 of our Privacy Policy for the details.

AI features are provided "as is". Claude can be wrong, can hallucinate, and can summarise inaccurately. You must not rely on AI output for:

• Medical, legal, financial, or other professional advice
• Safety-critical decisions (e.g. allergies — always verify with original sources)
• Fact-checking the real world without a second source

If an AI response looks wrong, report it so we can improve the prompts. You can turn AI features off entirely via Settings → Privacy.

Stumbl integrates with third-party services to deliver its features (Supabase, Anthropic, Expo, Railway, Mapbox, Strava, Apple HealthKit, Apple Speech Recognition, OpenWeather, OpenStreetMap, Deezer, iTunes Search). Your use of those services through Stumbl is also governed by their own terms. See section 5 of the Privacy Policy for the full list and the data we exchange with each. Stumbl is not responsible for outages, errors, or behaviour of third-party services beyond our reasonable control.

Stumbl (the app, the website, the brand, the code, the server logic, and all associated design) is owned by the operators. Nothing in these Terms transfers any ownership in Stumbl itself to you. You may not:

• Copy, modify, distribute, or reverse-engineer the Stumbl app or website.
• Scrape, data-mine, or automate access to Stumbl outside the public APIs we expose.
• Strip or alter any of our branding, copyright notices, or watermarks.
• Use the Stumbl name or logo in ways that suggest endorsement of products or services we haven't approved.

Stumbl is currently distributed via Apple TestFlight in closed beta. You acknowledge that:

• The service is pre-release and may contain bugs, unfinished features, performance issues, or unexpected data loss.
• Features may change, disappear, or be reintroduced without notice.
• TestFlight builds expire on a schedule controlled by Apple.
• Feedback is welcome — email nick@stumbl.me or use the in-app Feedback surface.

Beta status does not change the rights granted under Australian Consumer Law (see section 11).

10.1 By you

You may stop using Stumbl and delete your account at any time via Settings → Privacy → Delete my account.

10.2 By us

We may suspend or terminate your account without notice if:

• You seriously or repeatedly breach these Terms
• You post content prohibited in section 4
• We reasonably believe your account is compromised, fraudulent, or being operated by a minor in violation of section 2
• We are required to do so by law, by Apple's App Store rules, or by the terms of a third-party service we rely on

Where practical we will give you advance notice and a chance to put things right before terminating.

11.1 Service "as is"

To the maximum extent permitted by law, Stumbl is provided on an "as is" and "as available"basis. We don't promise the service will be uninterrupted, error-free, secure against every possible attack, or fit for any particular purpose you have in mind.

11.2 Consumer guarantees (Australia)

Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy you have under the Australian Consumer Law (Schedule 2 of the Competition and Consumer Act 2010 (Cth)) or any other law that cannot be lawfully excluded. Where a consumer guarantee applies and cannot be excluded, our liability for a failure to comply is limited (where the law permits) to, at our choice, resupplying the service or refunding any fee paid — which, on TestFlight, is typically zero.

11.3 What we're not liable for

Subject to section 11.2, and to the maximum extent allowed by law, we are not liable for:

• Indirect, incidental, consequential, special, exemplary, or punitive damages
• Loss of data, loss of goodwill, loss of business opportunity, or loss of profits
• Anything caused by a third-party service we integrate with
• Anything caused by other users of Stumbl (including the consequences of content they post, actions they take within an experience, or information they learn about you through your shared content)

11.4 Cap on liability

Subject to section 11.2, our total aggregate liability to you under or in connection with Stumbl is limited to AUD $100 or the amount you have paid us for the service in the 12 months before the event giving rise to the claim, whichever is greater.

You agree to indemnify and hold harmless Stumbl and its operators from any claim, loss, or expense (including reasonable legal costs) arising from:

• Content you post that violates section 4 or another person's rights
• Your breach of these Terms
• Your misuse of another user's information you obtained through Stumbl

This doesn't apply to the extent the claim is caused by Stumbl's own breach of the law or of these Terms.

These Terms are governed by the laws of New South Wales, Australia, without regard to conflict-of-laws rules. You and we both submit to the non-exclusive jurisdiction of the courts of New South Wales for any dispute arising out of or in connection with these Terms.

If you're unhappy with something Stumbl has done, email nick@stumbl.mefirst — we'll try to work it out. If we can't, you can escalate via the NSW court system, the Office of the Australian Information Commissioner (for privacy issues specifically), or any other regulator with jurisdiction.

We may update these Terms from time to time. If we make a material change that affects your rights or obligations, we will:

• Notify every active account holder via in-app banner and email at least 7 days before the change takes effect.
• Update the version number and effective date at the top of this page.

Non-material clarifications may be made without notice. Continuing to use Stumbl after a change takes effect means you accept the updated Terms. If you don't accept them, stop using the service and delete your account.

• Entire agreement. These Terms and the Privacy Policy are the whole agreement between you and Stumbl about your use of the service.
• Severability. If a court finds any part of these Terms unenforceable, the rest stays in effect.
• No waiver.If we don't enforce a right, we haven't waived it.
• Assignment.You can't transfer your account or your rights under these Terms to anyone else. We may assign these Terms (for example, if we incorporate or sell the venture) on notice to you.

Stumbl

• Email: nick@stumbl.me
• Post: 35 Wellington Street, Bondi Beach NSW 2026, Australia