Terms of Service

Last updated: September 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.

You are talking to artificial intelligence, not a person. Every reply from "the coach" — by text or by voice — is generated by an AI system. It is not a human employee, not a licensed professional of any kind, and not a real person, no matter how personal it sounds. Nothing you say to it is reviewed by a human being in real time. If you are in crisis, do not wait for or rely on the App — in the U.S., call or text 988 (Suicide & Crisis Lifeline) or call 911.

1. What Whetstone is — and is not

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

Whetstone is an informational and organizational tool only. It is NOT a medical device, healthcare service, licensed dietitian, personal trainer, therapist, counselor, financial advisor, broker, accountant, attorney, or religious authority — and nothing in the App creates a doctor–patient, therapist–client, 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

You must be at least 13 years old to use the App. If you are under 18, you may use it only with a parent or guardian's consent, and the fitness, nutrition, and finance features are intended for adults. The App's AI features may not be suitable for all minors, and a parent or guardian should review them before allowing a minor to use the App.
You are responsible for the accuracy of information you enter, for keeping your login secure, and for all activity under your account.
You may delete your account at any time in Settings → Delete 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.

Workout plans, training splits, rest-day schedules, step goals, and exercise suggestions are automatically generated from limited information and may be unsuitable for your body, health status, or fitness level.
Physical exercise carries inherent risk of serious injury, disability, and death. You voluntarily assume all risks of any activity you perform, whether or not suggested by the App.
Data read from Apple Health (steps, distance) may be incomplete or inaccurate; do not rely on it for medical purposes.
The App is not for emergencies. If you are experiencing a medical or mental-health emergency, call 911 (or your local emergency number) immediately.

4. Nutrition, food & allergen disclaimer

Calorie targets, macronutrient goals, meal plans, recipes, portion estimates, and food-log figures (including AI photo identification of meals) are estimates and may be materially wrong. They are not medical nutrition therapy and are not a substitute for advice from a physician or registered dietitian.
Allergen warning: although the App lets you record allergies and dislikes and attempts to filter recommendations accordingly, we cannot and do not guarantee that any suggested meal, recipe, ingredient, brand, or restaurant item is free of any allergen or safe for your dietary restrictions. Always verify every ingredient and label yourself. If you have food allergies, intolerances, celiac disease, or medical dietary requirements, rely on your own verification and your clinician — never on the App.
Calorie deficits/surpluses and weight-change pacing are generic calculations. Do not use the App if you have, or are in recovery from, an eating disorder except under professional supervision. Resources: National Eating Disorders helpline (nationaleatingdisorders.org).
Nutrition data comes from third-party databases (e.g. USDA) and AI estimation, both of which can be outdated or inaccurate.

5. Financial & business disclaimer

Budget frameworks, savings targets and projections, emergency-fund suggestions, money-coach responses, and business plans or business-idea recommendations are general educational information, not financial, investment, tax, or legal advice, and are not tailored to your circumstances.
Savings roadmaps and projections are simplified straight-line illustrations based solely on numbers you enter; they ignore taxes, inflation, interest, fees, and life events, and are not predictions or guarantees.
Business plans and milestones do not guarantee revenue, profit, or success; most businesses involve risk of loss. You are solely responsible for your financial decisions. Consult a qualified professional before acting.
The App does not access your bank accounts, move money, or execute transactions; all balances are figures you entered.

6. Mindset, meditation, spiritual & journaling features

Reflections, affirmations, meditation and breathing exercises, focus timers, gratitude prompts, "Talk it out" and similar conversational features, faith-based content, and prayer scheduling are for general wellbeing and are not psychotherapy, counseling, medical care, or religious guidance — and are delivered by an AI system, not a licensed counselor or a real person, as noted above.
The coach is instructed to recognize signs of an eating disorder, self-harm, or a mental-health or medical crisis and to stop coaching and direct you to a professional or a crisis line instead of continuing — but this is a safeguard, not a guarantee; AI systems can fail to recognize a crisis or respond imperfectly. Never rely on the App in a crisis. If you are struggling, in crisis, or having thoughts of self-harm, call or text 988 (Suicide & Crisis Lifeline) or call 911.
Faith-related content is generated based on preferences you set; we make no representation as to its doctrinal accuracy, and it is not a substitute for guidance from your religious community.

7. AI-generated content, including voice

Much of the App's content (coaching replies, plans, schedules, meal and book recommendations, timing suggestions, quotes, briefs) is generated by artificial-intelligence models. AI output can be inaccurate, incomplete, outdated, biased, or simply wrong ("hallucinated"), even when it sounds confident or personal.
Voice mode. If you talk to the coach by voice, your speech is converted to text by a speech-recognition service (see Privacy Policy) and processed the same way as a typed message; the coach's spoken replies are synthesized speech, not a recording of a human voice. Do not use voice mode, or any hands-free feature, while driving or in any situation where your attention should be on something else.
You agree not to rely on AI output — by text or voice — as professional advice and to independently verify anything that could affect your health, safety, finances, or legal position. You use AI features at your own risk.
The App may automatically add, move, or edit calendar events, logs, goals, and targets on your behalf in response to your requests; you are responsible for reviewing them.

8. Scheduling, reminders & data

Do not rely on the App's schedule, notifications, or reminders for anything critical to safety, health (e.g. medication), employment, travel, or legal deadlines. Notifications may fail or be delayed.
We may modify, suspend, or discontinue any feature at any time. We do not guarantee that your data will be preserved; keep independent records of anything important (including financial figures).

9. Calendar integration

If you connect a calendar (Apple Calendar today; Google Calendar and Outlook Calendar are supported and rolling out), the App reads events across your connected calendars so the coach can plan around real commitments instead of on top of them, and it may create, move, or delete events on your behalf — including on a dedicated "Whetstone" calendar it creates and, where you've granted access, on your own calendars.
Calendar sync can be incomplete, delayed, or wrong — a missed sync, a declined invite that still shows as busy, or a provider outage can all cause the App to plan around information that no longer matches your real calendar. Always double-check anything the App schedules or reschedules before relying on it, especially for anything time-sensitive.
Connecting a third-party calendar is subject to that provider's own terms (e.g. Google's or Microsoft's), which we do not control. You can disconnect a calendar at any time in Settings → Calendars, or by revoking access from the provider's own account settings.

10. Social features & Challenges

Challenges let you and others track shared goals. If you create, join, or are invited to a Challenge, your display name, your progress and scores on that Challenge's goals, and anything you choose to post to it — notes, photos, and activity you log as proof of work — become visible to anyone who has that Challenge's invite code, QR code, or link, not only the people you personally invited, for as long as the Challenge exists.
We do not vet other Challenge participants. Treat a Challenge like any other place you're sharing with people you may not know well: do not post anything you would not want a stranger to see, including sensitive health, appearance, location, or personal details in a note or photo.
Leaving a Challenge stops you from sharing new activity to it, but does not retroactively remove what you already posted while a member — other participants, or the Challenge itself, may retain it. You can ask us to remove specific content by contacting us.
You agree not to use Challenges to harass, impersonate, or share unlawful, abusive, or others' private content without consent; we may remove content or Challenge access that violates this.

11. 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.

12. 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.

13. Your content

You keep ownership of the content you enter (logs, journals, goals, photos, financial figures, Challenge posts). 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, and, for Challenges, showing your content to other participants as described in Section 10). You represent you have the rights to the content you submit. Journal entries and reflections outside of a Challenge are personal records, not communications monitored by any professional — no one reviews them for safety concerns beyond the automated AI safeguard described in Section 6.

14. Third-party services

The App relies on third parties — including Google Firebase, Anthropic, OpenAI, Apple (HealthKit, Sign in with Apple, notifications, Calendar, and on-device speech recognition and speech synthesis), Google (Sign-In and, if connected, Calendar), Microsoft (if you connect Outlook Calendar), nutrition databases, Unsplash, and public book-data sources — and may display third-party content (e.g. book titles, covers, and stock meal photography). 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.

15. 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.

16. 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, calendar sync, or projections) is accurate or suitable for you.

17. 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.

18. 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, including anything you post to a Challenge; your health, fitness, dietary, financial, or business decisions; or any activity under your account.

19. 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.

20. 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.

21. 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.

22. 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.

Plans & pricing. Whetstone Pro is offered on a weekly plan at $4.99 / week, a monthly plan at $14.99 / month, and an annual plan at $79.99 / year (U.S. pricing; actual prices are shown in the App at purchase and may vary by region, currency, and applicable taxes, and may change over time).
Free trial. Each plan includes a 3-day free trial. If you do not cancel before the trial ends, the trial automatically converts to a paid subscription on the plan you selected and your Apple ID is charged. Any unused portion of a free trial is forfeited if you purchase a subscription during the trial. Trial availability may vary and is subject to eligibility.
Auto-renewal. Your subscription automatically renews for the same period at the then-current price unless you cancel it at least 24 hours before the end of the current period. Your Apple ID account is charged for renewal within 24 hours prior to the end of the current period.
Payment. Payment is charged to your Apple ID account upon confirmation of purchase.
Manage or cancel. You can manage your subscription and turn off auto-renewal at any time in your device's Settings → your Apple ID → Subscriptions (or App Store → Account → Subscriptions). Deleting the App does not cancel your subscription.
Refunds. Payments are processed by Apple and are generally non-refundable; there is no refund for the unused portion of a current subscription period, except where required by law. Refund requests are handled by Apple under the Apple Media Services / App Store terms and Apple's applicable policies.
Changes. We may change subscription pricing or plan features prospectively; price changes apply to future renewal periods and, where required, will be subject to your consent or advance notice per Apple's rules.

23. 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 3–13 and 15–21) survive termination.

24. 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.

25. 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).

26. 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.