Terms of Service

Who we are

This website, semanticshq.com (the “Site”), is operated by Semantics Studio Inc., a Delaware corporation doing business as “Semantics” (“we,” “us”). You can reach us anytime at info@getstoia.com.

Agreement

By using the Site you agree to these Terms. If you do not agree, please do not use the Site.

What we do

Semantics Studio Inc. develops and operates consumer software products, offered as subscriptions under their own brand names, currently Stoia (getstoia.com), a personal-finance application. The Site itself is informational: nothing is sold directly on the Site.

Product terms govern products

Each product has its own terms of service, pricing, and policies, presented on that product's website or app and at the point of purchase. If these Terms conflict with a product's terms regarding that product, the product's terms control. For refunds, cancellations, and disputes, see our Refund, Cancellation & Dispute Policy.

Intellectual property

The Site and its content (text, design, and logos) are owned by Semantics Studio Inc. You may not copy them or use them commercially without our written permission.

Acceptable use

Do not misuse the Site: no unlawful use, no interfering with its operation, and no attempting to probe or breach its security.

Promotions

If we run a promotion, its specific terms and conditions will be stated where the promotion is offered.

Disclaimers

The Site is provided “as is,” without warranties of any kind. Its content is informational and may change without notice.

Limitation of liability

To the maximum extent permitted by law, Semantics Studio Inc. is not liable for indirect, incidental, or consequential damages arising from your use of the Site, and our total liability relating to the Site (which is free to use) is limited to $100.

Changes

We may update these Terms from time to time; the effective date above reflects the latest version. Continued use of the Site means you accept the updated Terms.

Governing law

These Terms are governed by the laws of the State of Delaware, USA, without regard to conflict-of-law rules.

Contact

Questions about these Terms: info@getstoia.com.