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Terms of Service

Last updated: July 2026

These Terms of Service ("Terms") are a binding agreement between you and the developer of Whetstone ("Whetstone," "we," "us"). By creating an account, accessing, or using the Whetstone app (the "App"), you accept these Terms and our Privacy Policy. If you do not agree, do not use the App.

Please read carefully. These Terms contain health, nutrition, financial, and AI disclaimers; an assumption of risk; a limitation of liability; an indemnification obligation; and a binding arbitration clause with a class-action waiver that affects your legal rights.

1. What Whetstone is — and is not

Whetstone is a self-improvement app offering tools for fitness, nutrition and food logging, goal tracking, scheduling, personal finance organization, business-idea planning, and mindset/spiritual practices, including AI-generated coaching and recommendations.

Whetstone is an informational and organizational tool only. It is NOT a medical device, healthcare service, licensed dietitian, personal trainer, therapist, financial advisor, broker, accountant, attorney, or religious authority — and nothing in the App creates a doctor–patient, advisor–client, fiduciary, or any other professional relationship. All content, whether written by us or generated by AI, is general information, not professional advice tailored to you.

2. Eligibility and your account

3. Health, fitness & exercise disclaimer

Consult a physician before beginning any exercise, workout plan, or physical activity suggested by the App — especially if you are pregnant, have (or suspect) any medical condition, injury, heart condition, or take medication. Stop immediately and seek medical help if you feel pain, dizziness, shortness of breath, or discomfort.

4. Nutrition, food & allergen disclaimer

5. Financial & business disclaimer

6. Mindset, meditation, spiritual & journaling features

7. AI-generated content

8. Scheduling, reminders & data

9. Assumption of risk

To the maximum extent permitted by law, you knowingly and voluntarily assume all risks — known and unknown — of using the App, including risks of physical injury, illness, death, property damage, financial loss, emotional distress, and reliance on AI-generated or third-party content, whether or not caused by our negligence, and you release Whetstone and its developer from all liability for such risks to the fullest extent permitted by law.

10. Acceptable use

You agree not to: use the App unlawfully or to harm anyone; attempt to probe, disrupt, overload, reverse-engineer, scrape, or gain unauthorized access to the App or its backends; misuse AI features (including attempts to generate harmful content); infringe others' rights; or use the App where doing so is unsafe (e.g. while driving). We may suspend or terminate accounts that violate these Terms.

11. Your content

You keep ownership of the content you enter (logs, journals, goals, photos, financial figures). You grant us a limited, non-exclusive license to host, process, transmit, and display that content solely to operate and improve the App (including sending relevant context to our AI providers to generate your responses). You represent you have the rights to the content you submit. Journal entries and reflections are personal records, not communications monitored by any professional — no one reviews them for safety concerns.

12. Third-party services

The App relies on third parties — including Google Firebase, Anthropic, OpenAI, Apple (HealthKit, sign-in, notifications), Google sign-in, nutrition databases, and public book-data sources — and may display third-party content (e.g. book titles and covers). We are not responsible for third-party services, their availability, accuracy, or their terms, and we do not endorse any third-party product, book, brand, or restaurant the App mentions.

13. Intellectual property

The App, its design, branding, and content (other than your content) are owned by the developer and protected by law. We grant you a personal, non-transferable, revocable license to use the App for personal, non-commercial purposes. No other rights are granted.

14. Disclaimer of warranties

The App is provided "as is" and "as available," with all faults and without warranties of any kind. To the maximum extent permitted by law, we disclaim all warranties, express, implied, or statutory — including merchantability, fitness for a particular purpose, accuracy, reliability, availability, non-infringement, and any warranty arising from course of dealing or usage — and we do not warrant that the App will be uninterrupted, error-free, secure, or that any content (including AI output, nutrition data, or projections) is accurate or suitable for you.

15. Limitation of liability

To the maximum extent permitted by law: (a) in no event will Whetstone, its developer, or its suppliers be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for personal injury, death, lost profits, lost savings, lost data, business interruption, or cost of substitute services, arising out of or relating to the App or these Terms, under any theory (contract, tort, negligence, strict liability, or otherwise), even if advised of the possibility; and (b) our total aggregate liability for all claims will not exceed the greater of fifty U.S. dollars (US$50) or the amounts you paid us for the App in the twelve months before the claim.

Some jurisdictions do not allow certain exclusions or limitations (including for personal injury, gross negligence, or willful misconduct, or for consumers); in those jurisdictions, the above applies to the fullest extent permitted, and any non-waivable liability is limited to the minimum the law allows. These limits are a fundamental basis of the bargain — the App would not be offered without them.

16. Indemnification

To the fullest extent permitted by law, you agree to defend, indemnify, and hold harmless Whetstone and its developer from any claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: your use or misuse of the App; your violation of these Terms or of any law or third-party right; your content; your health, fitness, dietary, financial, or business decisions; or any activity under your account.

17. Dispute resolution — binding arbitration & class-action waiver

Informal resolution first: before filing any claim, you agree to email us (below) describing the dispute and give us 30 days to resolve it informally.

You and Whetstone agree that any dispute arising out of or relating to the App or these Terms will be resolved by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, and not in court — except that either party may bring an individual claim in small-claims court or seek injunctive relief for intellectual-property misuse. You and Whetstone each waive the right to a jury trial and the right to participate in any class, collective, consolidated, or representative action.

Arbitration will occur in English, on an individual basis, with fees allocated per the AAA rules. Opt-out: you may reject this arbitration section by emailing us within 30 days of first accepting these Terms with the subject "Arbitration Opt-Out"; the rest of the Terms still apply. If the class-action waiver is found unenforceable as to a claim, that claim must proceed in court, not arbitration.

18. Governing law

These Terms are governed by the laws of the United States and the state in which the developer resides, without regard to conflict-of-law rules, except where the law of your jurisdiction mandatorily applies. Claims not subject to arbitration must be brought in the courts of that state, and you consent to their jurisdiction.

19. Apple App Store

These Terms are between you and Whetstone, not Apple. Apple has no obligation to provide maintenance or support, no warranty obligation (any warranty claim beyond a refund of the purchase price, if any, is our responsibility), and no responsibility for any product-liability, legal-compliance, IP, or other claims relating to the App. Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them. You represent that you are not in an embargoed country or on any U.S. restricted-parties list, and you agree to comply with all applicable third-party terms (e.g. your wireless agreement) when using the App.

20. Whetstone Pro subscription & billing

Some features are offered through Whetstone Pro, an auto-renewing subscription sold as an in-app purchase and billed through your Apple App Store account.

21. Termination

You may stop using the App or delete your account at any time. We may suspend or terminate your access at any time, with or without notice, for any reason, including violation of these Terms. Sections that by their nature should survive (including 3–9 and 13–19) survive termination.

22. Changes to the App or these Terms

We may update these Terms; material changes will be posted here with a new "last updated" date, and continued use after changes means you accept them. If you do not agree to updated Terms, stop using the App and delete your account.

23. General

If any provision is found unenforceable, it will be modified to the minimum extent necessary (or severed) and the rest remains in effect. Our failure to enforce any provision is not a waiver. You may not assign these Terms; we may. These Terms plus the Privacy Policy are the entire agreement between you and us regarding the App. Nothing in these Terms limits rights consumers have under mandatory local law, or excludes liability that cannot lawfully be excluded (such as for fraud, or death or personal injury caused by gross negligence where such exclusion is prohibited).

24. Contact

Questions or disputes: dillonkeating20@gmail.com.


This document is a comprehensive template and not legal advice; enforceability of specific clauses (arbitration, liability limits, releases) varies by jurisdiction. Have it reviewed by a licensed attorney before relying on it.

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