Loop — Terms of Service

Effective Date: July 14, 2026

Loop ("Loop," "the app," "we," "us," or "our") is an iOS productivity app owned and operated by SDougherty Holdings, LLC ("SDougherty Holdings"). These Terms of Service ("Terms") are a legal agreement between you and SDougherty Holdings governing your use of Loop.

By downloading, installing, or using Loop, you agree to these Terms. If you do not agree, please do not use the app.

These Terms supplement Apple's standard Licensed Application End User License Agreement ("Apple EULA"), which you also accept when you download Loop from the App Store. Where Apple's EULA and these Terms overlap on standard licensing matters, the Apple EULA applies. These Terms cover what the Apple EULA does not, and add the Apple-specific minimum terms in Section 12.

0. The Short Version

You need a Google or Apple account to use Loop, and you must be old enough for digital consent where you live (13 in the US, 16 in most of the EU).
We own the app. You own your tasks, goals, and journal entries — always.
Don't use Loop for anything illegal, don't try to break it, and don't impersonate people when delegating.
Loop is a tool, not a guarantee. We can't promise reminders always land on time or that you'll hit every goal.
If we ever have a legal dispute, we handle it through individual arbitration (not a class action) — but you can opt out within 30 days of first accepting these Terms. We pay the arbitration fees.
You can delete your account any time, and we can suspend accounts that break these rules.
Apple has some rights under this agreement too — see Section 12.

If anything below is confusing, email admin@sdoughertyholdings.com and we'll explain in plain language.

1. Your Account

To use Loop, you sign in with Google Sign-In or Sign in with Apple. You are responsible for:

Keeping your sign-in credentials secure.
All activity that happens under your account.
Providing accurate information (an email and name are used for account identity and personalized greetings).

You must be old enough to legally agree to online services on your own — 13 in the US, 16 in most of the EU, or whatever your local law says. When you first launch Loop, we ask for your year of birth to confirm you meet the age of digital consent in your country. If you do not, we cannot create an account for you.

2. Ownership

We own the app. SDougherty Holdings owns Loop, including its name, logo, code, design, and all related intellectual property. We give you permission to use Loop on any Apple device you own or control. This permission is personal — you can't sell it, transfer it, or share it with someone else — and we can take it back if you break these Terms. The Apple EULA also applies.

You own your content. Your tasks, goals, journal entries, notification preferences, theme choices, and any other content you create in Loop belong to you. We only process this content to provide the app's functionality — syncing it to your account, showing it back to you, and sending you the reminders you asked for. We do not claim any ownership over your content, and we do not sell it, license it, or share it with advertisers.

3. Acceptable Use

You agree not to:

Use Loop for anything illegal, harmful, harassing, defamatory, or that violates anyone else's rights.
Try to reverse engineer, decompile, or extract the app's source code — unless your local law specifically gives you the right to do so (in a few places, it does).
Scrape, crawl, or use automated means to access or extract data from Loop or its backend.
Interfere with, disrupt, or attempt to gain unauthorized access to Loop's servers, databases, or other users' accounts.
Use Loop to store or transmit malware, spam, or content that infringes third-party intellectual property rights.
Impersonate anyone else or misrepresent your identity when using delegation features.

4. Third-Party Services

Loop relies on a small number of third-party services to work:

Supabase — hosts your account and content in a US-region PostgreSQL database, encrypted in transit and at rest.
Google Sign-In and Sign in with Apple — for authentication only.
Apple Push Notification Service — for the reminders you configure.
iOS Contacts framework — used only in-app to pre-fill delegation messages; Loop itself never uploads or stores your contact data. Any message you then choose to send is handled by Apple's Mail or Messages apps and your carrier or mail provider, outside of Loop.

Your use of these services is also governed by their own terms. We are not responsible for third-party services beyond our reasonable control.

5. Termination

You can stop using Loop at any time by signing out or deleting your account from within the app. Deleting your account removes your data from our live production systems immediately. Encrypted disaster-recovery backups retained by our database processor for approximately 30 days will roll off within that window — see the Privacy Policy (Sections 7 and 8.3) for details.

We may suspend or terminate your account, with or without notice, if:

You violate these Terms or the Apple EULA.
Your use of Loop threatens the security, integrity, or availability of the service for other users.
We are required to do so by law.

We'll try to give you notice before we terminate your account — usually by email — unless the situation is urgent (for example, an active security threat) or the law requires immediate action.

Even after your account ends, a few sections still apply: 2 (Ownership), 6 (Disclaimers), 7 (Liability), 8 (Disputes), 10 (Changes), 11 (General), and 12 (Apple-Specific Terms). This is standard — it protects both of us from claims that come up after the account is gone.

6. Disclaimers — App Provided "As Is"

Loop is provided on an "AS IS" and "AS AVAILABLE" basis, without warranties of any kind, either express or implied. To the fullest extent permitted by law, SDougherty Holdings disclaims all warranties.

In plain language: Loop comes with no promises or guarantees, expressed or implied. That means we can't legally promise it's bug-free, that it's a good fit for whatever you want to use it for, that it will never go down, or that everything you see in the app is 100% accurate. (Lawyers call these disclaimed warranties "merchantability, fitness for a particular purpose, non-infringement, accuracy, and uninterrupted availability.")

Loop is a task tracker. It helps you keep track of things you want to do — it does not guarantee you will actually do them, complete them, or reach any particular goal. Productivity outcomes are on you.

We do not warrant that the app will be error-free, that reminders will always deliver on time (push delivery depends on Apple Push Notification Service, iOS system state, and network conditions), or that your data will always be accessible without interruption.

7. Limitation of Liability

If you ever have a legal claim against us related to Loop, the most you can recover from us is capped. The cap is whichever is bigger: $50, or whatever you paid us for Loop in the 12 months before the claim.

We're also not on the hook for indirect losses — things like lost profits, lost data, or a missed task or deadline. This is true even if we knew that kind of loss was possible. (Lawyers call these "indirect, incidental, special, consequential, exemplary, or punitive" damages.)

Some jurisdictions do not allow the exclusion or limitation of certain damages, so parts of this section may not apply to you.

8. Dispute Resolution — Individual Arbitration

Please read this section carefully. It affects your legal rights.

If we have a legal dispute, we agree to settle it through binding individual arbitration instead of going to court. Arbitration is like a private trial: a neutral arbitrator hears both sides and makes a binding decision. We use the American Arbitration Association ("AAA") and their Consumer Arbitration Rules. The one exception: you can still bring an eligible claim in small-claims court if you prefer.

Class-action waiver. Any dispute has to be brought by you as an individual — you can't join or start a class-action, collective, or representative lawsuit against us, and we can't do that to you either.

Fees. SDougherty Holdings will pay all AAA filing, administrative, and arbitrator fees for any individual arbitration you commence under these Terms, other than a filing fee equal to the amount you would pay to initiate a lawsuit in your local small-claims court. Each party will bear its own attorneys' fees except as otherwise required by law.

Informal resolution first. Before starting arbitration, please email admin@sdoughertyholdings.com with a brief description of the dispute and what resolution you'd like. We commit to a 60-day informal-resolution period during which we'll try to work it out with you. If we can't, either side can proceed to arbitration.

Mass-filing protocol. If 25 or more similar arbitration claims are filed against us by or with the coordination of the same law firm or coordinated attorneys within a 60-day period, we will work with AAA to batch the claims into groups of up to 50 for streamlined administration and staged filing-fee payment, and no individual claim will proceed until its group is reached in the sequence. This protects both sides from the runaway costs of mass filings.

Opt-out. You may opt out of this arbitration agreement by emailing admin@sdoughertyholdings.com with the subject line "Arbitration Opt-Out" within 30 days of first accepting these Terms.

9. Governing Law

These Terms are governed by the laws of the State of {{STATE_OF_REGISTRATION — replace before publish}}. If your dispute isn't handled by arbitration (see Section 8), it will be heard in state or federal courts in that state, and you agree to have your case heard there.

10. Changes to These Terms

We may update these Terms from time to time. For material changes, we will notify you in-app or by email at least 30 days before the changes take effect. Continued use of Loop after that date means you accept the updated Terms. If you do not agree, stop using Loop and delete your account.

Non-material changes (typos, clarifications, formatting) take effect when posted, and we will update the "Effective Date" at the top of this document.

11. General

Entire agreement. These Terms, together with the Apple EULA and the Loop Privacy Policy, are the entire agreement between you and SDougherty Holdings regarding Loop.
Severability. If any part of these Terms is found unenforceable, the rest stays in effect.
No waiver. Our failure to enforce any part of these Terms is not a waiver of our right to do so later.
Assignment. You may not assign these Terms. We may assign them to a successor entity (for example, in a merger or acquisition).

12. Apple-Specific Terms

Apple's App Store rules require every developer to include the following minimum terms in a custom End User License Agreement. These terms apply to your download and use of Loop from the App Store:

Acknowledgment. These Terms are between you and SDougherty Holdings only, and not with Apple. Apple is not responsible for Loop or its content. Your use of Loop must comply with the App Store Terms of Service.
Scope of License. The license granted to you for Loop is a non-transferable license to use Loop on any Apple-branded product that you own or control, as permitted by the Usage Rules set forth in the App Store Terms of Service, except that Loop may be accessed and used by other accounts associated with the purchaser via Family Sharing or volume purchasing.
Maintenance and Support. SDougherty Holdings, not Apple, is solely responsible for providing any maintenance and support services for Loop, as specified in these Terms or as required by applicable law. Apple has no obligation whatsoever to furnish any maintenance and support services with respect to Loop.
Warranty. SDougherty Holdings is solely responsible for any product warranties, whether express or implied by law, to the extent not effectively disclaimed. In the event of any failure of Loop to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price for Loop to you (if any); to the maximum extent permitted by applicable law, Apple will have no other warranty obligation whatsoever with respect to Loop, and any other claims, losses, liabilities, damages, costs, or expenses attributable to any failure to conform to any warranty will be SDougherty Holdings's sole responsibility.
Product Claims. SDougherty Holdings, not Apple, is responsible for addressing any claims by you or any third party relating to Loop or your possession and/or use of Loop, including but not limited to: (i) product liability claims; (ii) any claim that Loop fails to conform to any applicable legal or regulatory requirement; and (iii) claims arising under consumer-protection, privacy, or similar legislation, including in connection with Loop's use of the HealthKit and HomeKit frameworks (if applicable). These Terms may not limit SDougherty Holdings's liability to you beyond what is permitted by applicable law.
Intellectual Property Rights. You and SDougherty Holdings acknowledge that, in the event of any third-party claim that Loop or your possession and use of Loop infringes that third party's intellectual property rights, SDougherty Holdings, not Apple, will be solely responsible for the investigation, defense, settlement, and discharge of any such intellectual property infringement claim.
Legal Compliance. You represent and warrant that (i) you are not located in a country that is subject to a US Government embargo, or that has been designated by the US Government as a "terrorist supporting" country; and (ii) you are not listed on any US Government list of prohibited or restricted parties.
Developer Name and Address. Any questions, complaints, or claims regarding Loop should be directed to SDougherty Holdings at admin@sdoughertyholdings.com or 100 E Broad St STE 1350, Columbus, OH 43215.
Third-Party Terms of Agreement. You must comply with applicable third-party terms of agreement when using Loop (for example, the terms of your wireless carrier or Apple's App Store).
Third-Party Beneficiary. You and SDougherty Holdings acknowledge and agree that Apple, and Apple's subsidiaries, are third-party beneficiaries of these Terms, and that upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.

13. Contact

Questions about these Terms? Email us at admin@sdoughertyholdings.com.

SDougherty Holdings, LLC
100 E Broad St STE 1350, Columbus, OH 43215
admin@sdoughertyholdings.com