Last updated: 2026-08-05. These Terms of Use govern your use of the MarginDeck macOS app and website. Questions: margindeck@proton.me.
MarginDeck is provided by Jin Junhua under the MarginDeck name ("MarginDeck", "we", "us", or "our"). By downloading, purchasing, accessing, or using the MarginDeck app or website, you agree to these Terms and our Privacy Policy. If you do not agree, do not use MarginDeck.
The app is licensed, not sold. These Terms supplement Apple's Standard Licensed Application End User License Agreement, App Store Usage Rules, StoreKit terms, and any mandatory consumer protections that apply to you. If Apple's terms conflict with these Terms for App Store distribution, Apple's applicable terms control for that issue.
MarginDeck helps you record or connect product revenue, schedule and allocate costs, estimate product-level contribution profit, review product signals, and estimate portfolio cash runway. It is a planning and decision-support tool for local business analysis.
MarginDeck is not a bank feed, payment processor, accounting ledger, bookkeeping service, tax preparation service, audit, valuation, payroll service, investment adviser, broker, lender, legal adviser, insurance adviser, or substitute for a qualified professional. "Contribution profit" means an operational estimate based on the costs you record and allocate; it is not accounting net income, taxable income, valuation, cash in bank, or a guarantee of future results.
Outputs depend on your entries, provider data, allocation choices, dates, currencies, refunds, fees, sync timing, and calculation assumptions. Synced figures can be delayed, incomplete, adjusted, refunded, categorized differently, or inconsistent with a provider's final report. You are responsible for reviewing results before making business, financial, tax, legal, staffing, pricing, shutdown, or investment decisions.
Upcoming views are projections based on the amounts, billing schedules, stop dates, and allocations you record. They do not confirm that a bank or vendor will charge you, send renewal notifications, or cancel a subscription on your behalf.
You must be legally able to agree to these Terms and use MarginDeck. MarginDeck is intended for adults using it for personal business planning or internal business purposes. You may not use MarginDeck for consumer credit decisions, regulated financial advice, tax filings, public accounting reports, legal compliance determinations, or any purpose where inaccurate estimates could create legal, financial, safety, or regulatory harm without independent review.
Subject to these Terms and Apple's rules, we grant you a limited, non-exclusive, non-transferable, revocable license to install and use MarginDeck on Apple-branded devices you own or control for your personal or internal business purposes. We reserve all rights not expressly granted.
You may not copy, modify, distribute, resell, lease, host, sublicense, reverse engineer, decompile, attempt to derive source code, bypass technical limits, remove notices, use MarginDeck to build a competing product, or use it unlawfully except where applicable law or open-source license terms expressly permit.
You retain ownership of the business data you enter, import, sync, calculate, export, or share through MarginDeck. This includes scheduled cost rules and occurrences, allocation history, revenue, cash balances, settings, and saved notes. You are responsible for having the right to use connected accounts and data, for obtaining any required permissions from your company, clients, partners, or providers, and for the accuracy, completeness, legality, and retention of your records.
You are responsible for maintaining backups appropriate to your business. MarginDeck stores its primary dataset locally. If your Mac, user account, app container, local database, or exported backup is lost, damaged, overwritten, deleted, or inaccessible, we may not be able to recover your data.
Do not place customer personal information, payment-card data, unrestricted API keys, OAuth tokens, passwords, government identifiers, payroll information, health data, confidential third-party data, or regulated financial account details into free-form fields or support messages. If you choose to enter or send such information, you are responsible for the resulting legal and security obligations.
RevenueCat and Stripe connections are optional and use accounts and credentials you control. Your use of those services is governed by their own terms, policies, permissions, rate limits, API behavior, and availability. Providers may change or discontinue APIs, fields, authentication methods, reports, pricing, permissions, or data availability, which may cause a connection, sync, mapping, or calculation to stop working or produce different results.
Revenue sync is read-only. MarginDeck does not initiate payments, refunds, transfers, invoices, subscriptions, cancellations, tax filings, or other write operations in your RevenueCat or Stripe account. For Stripe, you must use a suitably restricted read-only key beginning with rk_. You are responsible for creating, limiting, protecting, rotating, and revoking provider credentials.
MarginDeck is not responsible for third-party services, provider data, provider downtime, provider security incidents, changes to provider terms, actions taken in your provider account, or your failure to configure restricted access correctly.
The Free plan currently supports one product. MarginDeck Pro Lifetime unlocks the Pro features shown in the app through a non-consumable one-time purchase from Apple. Your purchase permanently unlocks the local Pro features included in MarginDeck 1 at the time of purchase. Updates within the MarginDeck 1.x line, including maintenance releases such as 1.1.1, are included. Future major versions or optional online services may be sold separately.
Apple processes payment using your Apple ID. The app displays Apple's localized one-time price before purchase. Pro Lifetime does not renew and is not a subscription.
Apple controls billing, taxes, refunds, family sharing, device availability, price changes, and purchase restoration under its policies. Refund requests must be made through Apple. A verified, non-revoked transaction is required to unlock Pro; a refunded or revoked purchase can remove Pro access.
Losing Pro access does not intentionally delete your existing local data, but creating additional products, restoring multi-product backups, or using Pro-only functionality requires a verified, non-revoked Pro Lifetime purchase.
TestFlight, Sandbox, beta builds, pre-release features, and screenshots can differ from the final App Store release. Beta features may be incomplete, unstable, time-limited, or removed. Do not rely on a beta build as your only business record.
We may add, change, suspend, restrict, or discontinue features to maintain security, comply with law, respond to provider changes, manage costs, or improve the product. We do not promise that every feature, provider connection, platform, language, region, price, or external service will always be available.
You agree not to misuse MarginDeck, bypass purchase or product limits, interfere with security or operation, access non-public systems, probe or scrape the website, transmit malware, abuse support channels, violate provider terms, infringe rights, misrepresent MarginDeck outputs, use the app for unlawful or regulated advice, or use MarginDeck in a way that could harm us, users, providers, Apple, or third parties.
Exported backup files are unencrypted JSON and may contain products, scheduled cost rules and occurrences, allocation history, revenue, cash balances, workspace and display settings, and saved notes. OAuth tokens, Stripe keys, and App Store transaction data are excluded. You are responsible for storing, encrypting, transmitting, deleting, and restoring backups safely. Restoring a backup can replace your current local dataset after confirmation. Review backups before importing or sharing them.
If you send us a backup, screenshot, screen recording, support attachment, sample dataset, or crash detail, you authorize us to use it to provide support, debug, improve the product, investigate security or abuse, and comply with law. Remove secrets and sensitive third-party information before sending files.
Our Privacy Policy explains how we handle information. By using MarginDeck, you acknowledge that local-first storage, optional provider connections, App Store purchases, support messages, and website hosting involve different data flows and responsibilities.
MarginDeck, including its software, design, branding, documentation, website, text, graphics, workflows, and other materials, is owned by Jin Junhua / MarginDeck or its licensors and is protected by intellectual property laws. You may not use the MarginDeck name, logo, trade dress, screenshots, or marketing materials in a misleading way or in a way that implies endorsement without permission.
If you voluntarily send suggestions, ideas, bug reports, feature requests, or feedback, you grant us a non-exclusive, worldwide, royalty-free, irrevocable license to use them to evaluate, develop, improve, market, and support MarginDeck without an obligation to compensate you. This does not transfer ownership of your confidential business data, and we will handle personal information as described in the Privacy Policy.
You may stop using MarginDeck at any time. We may suspend access to features we operate or terminate this license if you materially violate these Terms, misuse the service, create legal or security risk, interfere with providers, or if required by law or Apple. Apple controls App Store purchase and refund processes.
Upon termination, your license to use MarginDeck ends, but provisions that by their nature should survive will survive, including ownership, user responsibilities, payment terms, disclaimers, limitation of liability, indemnity, dispute terms, and privacy-related provisions.
To the maximum extent permitted by law, MarginDeck is provided "as is" and "as available", without express, implied, or statutory warranties, including warranties of accuracy, availability, merchantability, fitness for a particular purpose, title, non-infringement, data preservation, quiet enjoyment, or that results will match accounting records, tax records, provider reports, bank balances, or future outcomes.
We do not warrant that MarginDeck will be uninterrupted, secure, error-free, compatible with every macOS version or provider account, or that defects will be corrected. You use MarginDeck outputs at your own risk and should verify important information independently.
Nothing in these Terms excludes warranties, rights, or remedies that cannot legally be excluded.
To the maximum extent permitted by law, Jin Junhua, MarginDeck, and their service providers, licensors, and contributors will not be liable for indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost revenue, lost savings, lost business opportunities, goodwill, data loss, security incidents outside our reasonable control, provider changes, business decisions, tax positions, accounting errors, or reliance on an estimate, even if advised that such damages are possible.
To the maximum extent permitted by law, our aggregate liability relating to MarginDeck, the website, these Terms, or the Privacy Policy will not exceed the greater of the amount you paid for MarginDeck during the 12 months before the event giving rise to the claim or US$50.
Some jurisdictions do not allow certain exclusions or limits, so some of the above may not apply to you. These Terms do not limit liability that cannot be limited by applicable law.
To the extent permitted by law, you agree to defend, indemnify, and hold harmless Jin Junhua, MarginDeck, and their service providers, licensors, and contributors from claims, losses, liabilities, damages, costs, and expenses, including reasonable attorneys' fees, arising from your misuse of MarginDeck, violation of these Terms, violation of law, violation of third-party rights, provider account misuse, data you enter or share, or business decisions made from your use of MarginDeck.
We may update these Terms for product, legal, provider, App Store, pricing, or security reasons. We will update the date above and provide additional notice when reasonably appropriate. Changes apply prospectively unless required by law. If you do not agree to an update, stop using MarginDeck.
These Terms are governed by the laws applicable to the operator of MarginDeck, without regard to conflict-of-law rules, except where mandatory consumer protection law gives you rights under another law. Before filing a claim, you agree to contact us at margindeck@proton.me and give us a reasonable opportunity to resolve the issue informally. Nothing prevents either party from seeking urgent injunctive or equitable relief where legally available.
These Terms, together with the Privacy Policy and applicable Apple terms, are the entire agreement between you and us regarding MarginDeck. If any provision is unenforceable, the remaining provisions remain in effect. Our failure to enforce a provision is not a waiver. You may not assign these Terms without our consent. We may assign them as part of a merger, acquisition, reorganization, asset transfer, or legal transition of MarginDeck.
Jin Junhua / MarginDeck
margindeck@proton.me