BANKING NOW is licensed to you under Apple’s Standard End User License Agreement, which you can read at apple.com/legal/internet-services/itunes/dev/stdeula. That agreement governs your licence to use the app. The terms on this page supplement it with information specific to BANKING NOW — they do not replace it, and nothing here is intended to contradict it. Where something here somehow conflicts with Apple’s Standard EULA, Apple’s Standard EULA applies.
BANKING NOW is published by Now Studio LLC. By using the app you accept these supplemental terms along with Apple’s Standard EULA.
What BANKING NOW is — and is not
BANKING NOW is a game utility. It is a digital banker and scoreboard for property-trading board games: you add players locally with a starting cash amount, the Banker transfers funds between players, and the app tracks the ledger for the game session.
The balances BANKING NOW tracks are not real money. It does no real banking, holds no cryptocurrency, and carries out no actual financial transaction between players. It is not a bank, a payment service, a wallet, a brokerage, or a money-transfer app, and it is not regulated as any of those. All balances shown in the app are play money for the board game you are playing, transferring funds in the app moves nothing of real value, and nothing in the app is financial advice.
The one exception, and the only place real money changes hands, is the optional in-app purchase of BANKING NOW Pro. That is a genuine purchase, sold and charged by Apple, and it is described in full below.
Do not use BANKING NOW as a record of real debts, real obligations, or anything of actual monetary value. It is for games.
Licence and acceptable use
Under Apple’s Standard EULA you get a personal, non-transferable licence to use BANKING NOW on devices you own or control. In plain terms, we ask that you do not:
- copy, resell, rent, or redistribute the app;
- reverse engineer, decompile, or modify it, except where law expressly permits it;
- work around the in-app purchase system or otherwise unlock paid features without paying for them;
- use the Network Game feature to interfere with, overload, or gain access to devices or networks you do not have permission to use;
- use the app to store or represent real money, real financial obligations, or anything unlawful.
You are responsible for what you type into the app, including player names, and for who you invite into a Network Game session on your local network.
BANKING NOW Pro
The core game ledger is available without paying. BANKING NOW Pro unlocks the Network Game feature, which lets each player join from their own device over the local network, and the AirPlay Board, which shows a live leaderboard on a TV or external display.
Pro is offered in three forms:
| Plan | Type | Price | Renewal |
|---|---|---|---|
| Pro Monthly | Auto-renewable subscription | Shown in the app before you buy | Renews each month until you cancel |
| Pro Yearly | Auto-renewable subscription | Shown in the app before you buy | Renews each year until you cancel |
| Pro Lifetime | One-time purchase — not a subscription | Shown in the app before you buy | Does not renew and cannot be cancelled |
All purchases are sold through Apple In-App Purchase. Apple — not Now Studio LLC — processes the payment and handles the entire transaction. We never receive your card number or billing address. The exact price and currency for your region are shown in the app before you confirm, and payment is charged to your Apple Account on confirmation.
Auto-renewal
This section applies to the Monthly and Yearly subscriptions. The Lifetime purchase is a one-time purchase and does not renew.
- Your subscription renews automatically unless auto-renew is turned off at least 24 hours before the end of the current period.
- Your Apple Account is charged for the renewal within 24 hours before the current period ends, at the rate for your selected plan.
- You can manage your subscription and turn off auto-renew in your Apple Account settings after purchase.
- Cancelling takes effect at the end of the current paid period. Pro stays unlocked until then; it does not end the moment you cancel.
- If a price changes, Apple notifies you and asks for your consent where its rules require it.
How to cancel
Subscriptions are managed by Apple, not inside BANKING NOW — we cannot cancel one on your behalf. On your device, open Settings → Apple Account → Subscriptions, select BANKING NOW, and cancel there. Do this at least 24 hours before the current period ends to avoid being charged for the next one. Deleting the app does not cancel a subscription.
Refunds
Refunds for App Store purchases are handled entirely by Apple. Now Studio LLC cannot issue, approve, or reverse an App Store refund, and we have no access to your payment method or purchase history.
To request a refund, use Apple’s “Report a Problem” process or contact Apple Support directly. Apple decides the outcome under its own policies. If your problem is that a purchase is not unlocking, try Restore Purchases in the app first and email us at amoldesigns23@gmail.com — we may be able to fix it without a refund being needed.
Availability and changes to the app
We may update BANKING NOW, change how features work, or add and remove features over time. We may also stop distributing the app. We will not deliberately remove a feature you paid for from a version you already have installed, but we cannot guarantee that any specific feature will be available forever, on every device, or on every future operating-system version.
Network Game depends on your local network and on Apple’s MultipeerConnectivity working on the devices involved. AirPlay depends on your display and network. We do not control those and cannot guarantee they will always connect.
Disclaimer of warranties
BANKING NOW is provided as is and as available, without warranties of any kind beyond those that cannot be excluded by law. We do not warrant that the app will be uninterrupted, error-free, or free of bugs, or that saved games and ledgers will always be preserved.
Keep in mind that game data is stored on your device and, where iCloud is available, synced through your own iCloud account — we hold no copy of it and cannot recover it for you. Deleting the app, a device fault, or an iCloud sync that does not complete can lose your saved games. Since the ledger is play money for a board game, the practical remedy is to keep playing and set the balances again.
Limitation of liability
To the extent permitted by law, Now Studio LLC is not liable for indirect, incidental, special, or consequential losses arising from your use of BANKING NOW, including lost game data, an interrupted game session, or a disputed result at your kitchen table. Our total liability for any claim relating to the app is limited to the amount you actually paid for it.
Nothing in these terms limits liability that cannot be limited by law, and nothing here affects any consumer rights you have that cannot be waived.
Changes to these terms
If these terms change, we will post the updated version on this page and change the effective date at the top. Continuing to use the app after an update means you accept the updated terms. Any change will still sit alongside Apple’s Standard EULA rather than replace it.
Contact
Questions about these terms go to amoldesigns23@gmail.com.