Terms of Service

Last updated: July 12, 2026 · Applies to the Murphy app for iOS and Android

1. Agreement

These terms are an agreement between you and the Murphy team ("we", "us") covering your use of the Murphy app and related services. By using Murphy you accept these terms. If you downloaded Murphy from the Apple App Store, Apple's standard Licensed Application End User License Agreement also applies to the extent it grants you more protection.

2. What Murphy is (and isn't)

Murphy is a personal diary for recording spending and turning it into drawings. It is not a bank, payment service, accounting service, or source of financial, investment, tax, or legal advice. Figures shown in Murphy are based only on what you enter, and Murphy's messages — including AI-generated ones — are for reflection and entertainment. Make financial decisions with a qualified professional, not a potato.

3. Your diary and backups

Your entries, memos, and drawings are stored on your device and belong to you. Because we keep no copy, you are responsible for creating and safekeeping backups using the app's export feature. We are not able to recover a diary that was deleted without a backup.

4. Murphy+ subscription

• Murphy+ is an auto-renewing yearly subscription that unlocks premium features, including Murphy's AI messages.
• Where a free trial or introductory offer is available, its length and price are shown before you subscribe. Trials convert to a paid subscription unless cancelled at least 24 hours before the trial ends.
• Billing is handled by Apple (App Store) or Google (Google Play) under their terms. The subscription renews automatically unless you cancel in your store account settings at least 24 hours before the end of the current period.
• Refunds are handled by the store you purchased from, under their policies.
• We may change subscription pricing; changes apply from your next renewal and stores notify you as their policies require.
• If a subscription lapses, premium features stop, but the diary data on your device remains yours.

5. AI-generated messages

• Murphy's AI messages are generated by a machine-learning model from aggregate summaries of your entries (see the privacy policy for exactly what is sent). They may occasionally be inaccurate, repetitive, or oddly phrased.
• Personas change Murphy's tone. Any persona with a deliberately blunt or teasing tone is enabled only after your explicit confirmation and can be switched off any time.
• AI messages are never professional advice of any kind — financial, medical, mental-health, or otherwise.
• You can report any message from within the app; we review reports.
• AI features depend on third-party model providers and daily usage limits, and may be adjusted, rate-limited, or temporarily unavailable.

6. Fair use

Don't misuse the service — including attempting to break, overload, or reverse-engineer it; bypassing usage limits or purchase verification; using the AI service outside the app; or using Murphy for anything unlawful. We may suspend access to online features (never your on-device diary) to protect the service or other users.

7. Our stuff

Murphy's app, character, artwork, and branding are ours and protected by law. We grant you a personal, non-transferable license to use the app on your devices. Content you create in your diary is yours; exports that include the Murphy wordmark may be shared freely.

8. Disclaimers and liability

Murphy is provided "as is" without warranties of any kind, to the maximum extent permitted by law. To the same extent, we are not liable for indirect, incidental, or consequential damages, or for loss of data where we did not hold the data — remember, your diary and backups are in your custody. Where liability cannot be excluded, it is limited to the amount you paid us in the twelve months before the claim. Nothing in these terms limits rights that consumer-protection law gives you.

9. Ending or changing the service

You can stop using Murphy at any time by deleting the app. We may update the app and these terms; if we make material changes we will tell you in the app before they take effect, and continuing to use Murphy afterwards means you accept them. If we ever discontinue online features, the on-device diary and export features will keep working.

10. Governing law

These terms are governed by the laws of the Republic of Korea. If you use Murphy in the United States, mandatory protections of U.S. federal law and of your state's consumer-protection laws also apply to the extent they cannot be excluded by agreement. Nothing in this section deprives you of mandatory protections of the law of the country where you live.

11. Contact

Questions about these terms: team@dou.so.