Terms of Service

Last updated: April 2, 2026

These Terms of Service ("Terms") govern your use of the BuyBlock mobile application and the website buyblock.app (together, the "Service"), operated by Parcloud Oy ("we," "us," or "our"), a company registered in Finland.

By creating an account or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

1. Description of Service

BuyBlock is an impulse purchase cooldown app that helps you make more intentional buying decisions. The Service allows you to:

2. Account Registration

To use BuyBlock, you must create an account using Apple Sign-In or Google Sign-In. You are responsible for maintaining the security of your account and for all activity that occurs under it.

You must be at least 13 years of age to use the Service. By creating an account, you represent that you meet this age requirement.

3. Subscription and Payments

3.1 Free Tier

BuyBlock offers a free tier that includes:

3.2 Pro Subscription

BuyBlock Pro is available as a subscription with the following options:

Pro includes 30 AI scans per month, full research reports, savings dashboard, and spending insights.

3.3 Billing

All payments are processed by Apple through the App Store. Subscriptions automatically renew unless cancelled at least 24 hours before the end of the current billing period. You can manage and cancel your subscription in your device's Settings > Apple ID > Subscriptions.

Prices may change with notice. Any price changes will take effect at the start of the next billing cycle after the change.

3.4 Refunds

Refunds are handled by Apple according to the App Store refund policy. We do not process payments directly and cannot issue refunds. To request a refund, visit reportaproblem.apple.com.

4. Acceptable Use

You agree not to:

We reserve the right to suspend or terminate accounts that violate these terms.

5. AI-Generated Content

AI reports are for informational purposes only. BuyBlock uses artificial intelligence (Google Gemini) to generate product research reports. While we strive for accuracy, AI-generated content may contain errors, outdated information, or incomplete analysis.

6. Intellectual Property

The Service, including its design, code, branding, and AI models, is owned by Parcloud Oy and protected by intellectual property laws. You may not copy, modify, distribute, or create derivative works from any part of the Service.

Content you submit (product URLs, photos, descriptions) remains yours. By submitting content, you grant us a limited license to process it for the purpose of providing the Service (generating reports, displaying in your account).

7. Account Deletion

You can delete your account at any time from Settings > Delete Account within the app. Account deletion is permanent and will remove all your personal data, items, and reports within 30 days. Active subscriptions must be cancelled separately through the App Store.

8. Privacy

Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, and protect your data.

9. Disclaimer of Warranties

The Service is provided "as is" and "as available" without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement.

We do not warrant that the Service will be uninterrupted, error-free, or secure, or that any defects will be corrected.

10. Limitation of Liability

To the maximum extent permitted by applicable law, Parcloud Oy shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits or revenues, whether incurred directly or indirectly, or any loss of data, use, or goodwill, arising from:

Our total liability for any claim arising from or related to the Service shall not exceed the amount you paid us in the 12 months preceding the claim.

11. Indemnification

You agree to indemnify and hold harmless Parcloud Oy from any claims, losses, damages, liabilities, and expenses (including legal fees) arising from your use of the Service or violation of these Terms.

12. Modifications to the Service

We reserve the right to modify, suspend, or discontinue any part of the Service at any time, with or without notice. We will make reasonable efforts to notify users of material changes.

13. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes by posting the updated Terms on this page. Your continued use of the Service after changes take effect constitutes acceptance of the new Terms.

14. Dispute Resolution and Arbitration

Please read this section carefully — it affects your legal rights, including your right to file a lawsuit in court and to have a jury trial.

14.1 Informal Resolution First

Before initiating any formal dispute proceeding, you agree to first contact us at support@buyblock.app and attempt to resolve the dispute informally for at least 30 days. Most concerns can be resolved this way.

14.2 Binding Arbitration

If we cannot resolve a dispute informally, you and Parcloud Oy agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved by binding individual arbitration, rather than in court, except that either party may bring claims in small claims court if they qualify.

For users located in the United States, arbitration shall be administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules. For users located outside the United States, arbitration shall be administered by the Finland Chamber of Commerce Arbitration Institute under its rules. The arbitration shall be conducted in English.

The arbitrator shall have exclusive authority to resolve all disputes, including whether the dispute is subject to arbitration. The arbitrator's decision shall be final and binding.

14.3 Class Action and Jury Trial Waiver

YOU AND PARCLOUD OY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. Unless both you and Parcloud Oy agree otherwise, the arbitrator may not consolidate more than one person's claims and may not preside over any form of class, consolidated, or representative proceeding.

YOU ACKNOWLEDGE AND AGREE THAT YOU ARE WAIVING THE RIGHT TO A TRIAL BY JURY and the right to participate in a class action.

14.4 Opt-Out Right

You may opt out of this arbitration agreement by sending written notice to support@buyblock.app within 30 days of first accepting these Terms. Your notice must include your name, email address associated with your account, and a clear statement that you wish to opt out of the arbitration agreement. If you opt out, you may pursue claims in court, but the class action waiver above still applies to the fullest extent permitted by law.

14.5 Exceptions

Nothing in this section prevents either party from seeking injunctive or other equitable relief in court for matters related to intellectual property, data security, or unauthorized access to the Service.

15. Governing Law

These Terms are governed by the laws of Finland, without regard to conflict of law principles. For users in the European Union, mandatory consumer protection laws of your country of residence shall apply where they provide greater protection. For users in the United States, the Federal Arbitration Act governs the interpretation and enforcement of the arbitration agreement in Section 14.

16. Severability

If any provision of these Terms is found to be unenforceable, the remaining provisions will continue in full force and effect. If the class action waiver in Section 14.3 is found to be unenforceable with respect to a particular claim, that claim (and only that claim) shall be severed from arbitration and may proceed in court, while the remaining claims shall be arbitrated.

17. Contact Us

If you have questions about these Terms: