Terms of Service

1. Purpose

These Terms of Service govern the use of the Average Down Calculator app (the "Service") provided by Twinkle AI Labs (the "Operator"), and set out the rights and obligations of the Operator and its users. Twinkle AI Labs is not a company — it is the name under which an individual builds and runs these apps.

2. Changes

Revisions and their effective dates are announced on Polaris and in the app policy screens: at least 7 days before ordinary changes and 30 days before material or unfavourable changes.

3. What the Service does

The Operator provides the following functions.

• Calculates your new average price from your current holdings and an additional purchase (averaging down)
• Organises calculations per stock, and stores and lists your calculation history

All calculations and history live on your device.

The app also calculates the additional purchase quantity and amount needed to reach a target average price.

You may keep up to 3 stocks for free. Add one further stock by completing a rewarded ad, or remove the limit by purchasing ad removal. Watching an ad is not a purchase and does not grant ad removal.

4. Nature of the results

Every figure shown by the Service is an arithmetic result derived from the values you enter. It is not investment advice and not a recommendation to trade. Results do not reflect actual execution prices, fees, or taxes. You alone are responsible for your investment decisions and their outcomes.

5. Ads

The Service may show ads so it can stay free. What is collected for ads is disclosed in the Privacy Policy.

6. Fees, ad removal and refunds

Basic features are free; your carrier’s data charges may apply. Remove ads is purchased once at the price shown by Google Play and is not an automatically renewing subscription. Ads are removed when ownership is verified. Purchases can be restored using the same Google Play account. Request refunds through Google Play or contact twinkle.ai.labs@gmail.com. Statutory cancellation and refund rights are not limited by these terms.

7. Your obligations

You must not do any of the following.

• Reverse-engineer the Service, or copy and distribute it without permission
• Interfere with the normal operation of the Service
• Infringe the rights of others

8. Limitation of liability

The Operator is not liable for failures to provide the Service caused by events beyond its reasonable control, such as natural disasters or network outages.

Liability limitations apply only to the extent permitted by applicable law. They do not exclude liability for the Operator’s intentional misconduct or gross negligence, or rights that cannot legally be excluded.

9. Contact

For questions about the Service, write to twinkle.ai.labs@gmail.com.