Terms of Service

Last updated: January 28, 2026

Please read these Terms of Service ("Terms") carefully before using the Breather mobile application (the "App"), operated by Vera Level Apps Inc. ("we", "our", or "us").

1. Acceptance of Terms

By downloading, installing, or using the App, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the App.

2. Description of Service

Breather is a financial planning and lifestyle simulation tool designed to help users explore scenarios related to relocating to India. The App may provide:

• Financial projections and simulations
• Cost-of-living comparisons across Indian cities
• Retirement and savings calculators

3. Not Financial Advice

Important: Breather is provided for informational and educational purposes only. The App does not provide financial, tax, legal, or investment advice.

All projections, estimates, and calculations are illustrative in nature and should not be relied upon as a basis for financial or relocation decisions. You should consult qualified financial, tax, and legal professionals before making any significant decisions.

4. Accuracy of Information

While we strive to provide accurate and up-to-date information, we make no guarantees regarding:

• The accuracy or completeness of cost-of-living data
• Future economic conditions or market performance
• Tax laws, regulations, or penalties
• Currency exchange rates

Information may become outdated over time. You are responsible for verifying any information independently.

5. User Responsibilities

You agree to:

• Provide accurate inputs to the extent you choose to use the App
• Use the App for personal, non-commercial purposes only
• Not copy, modify, reverse engineer, or distribute the App
• Not use the App for any unlawful or abusive purpose

6. Subscriptions and Payments

Certain features of the App may require a paid subscription. All payments and subscriptions are processed through Apple's App Store and are subject to Apple's terms and conditions.

We do not process payments directly and do not store payment information.

7. Intellectual Property

All content, features, design elements, and code within the App are owned by Vera Level Apps Inc. and are protected by applicable intellectual property laws.

You may not reproduce, modify, distribute, or create derivative works from the App without our prior written consent.

8. Limitation of Liability

To the maximum extent permitted by law, Vera Level Apps Inc. shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to:

• Financial or lifestyle decisions made based on App content
• Losses resulting from reliance on projections or estimates
• Loss of data or interruption of service

9. Disclaimer of Warranties

The App is provided on an "as is" and "as available" basis without warranties of any kind, express or implied, including warranties of merchantability, fitness for a particular purpose, or non-infringement.

10. Changes to Terms

We may update these Terms from time to time. Continued use of the App after changes are posted constitutes acceptance of the revised Terms.

11. Termination

We reserve the right to suspend or terminate access to the App if you violate these Terms or use the App in a manner that is unlawful or harmful. You may stop using the App at any time by uninstalling it.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles.

13. Contact Us

If you have any questions about these Terms, please contact us at: