Terms of Service

Agreement to These Terms

These Terms of Service ("Terms") govern your access to and use of the FloosYo mobile app, website, and related services (the "Service"), provided by AttenYo LLC ("AttenYo", "we", "us", "our"). By creating an account, downloading the app, or otherwise using the Service, you agree to these Terms and to our Privacy Policy.

If you do not agree, do not use the Service.

Eligibility and Age Requirements

You must be at least 13 years old (or 16 in the EEA and UK) to create an account. If you are under 18, you may use FloosYo only with the involvement and consent of a parent or legal guardian who agrees to these Terms on your behalf.

By using FloosYo, you represent that you meet these requirements and that you have the legal capacity to enter into these Terms.

Your Account and Security

To use most features, you must register an account with accurate information. You are responsible for:

• Keeping your login credentials confidential.
• All activity that happens under your account.
• Notifying us promptly at [email protected] if you suspect unauthorized access.

We may suspend or terminate accounts that are inactive for an extended period, that we reasonably believe were created with false information, or that violate these Terms.

What FloosYo Is (and Is Not)

FloosYo is a personal-finance and budgeting tool that helps you record spending, set budgets, and see forward-looking projections. It is not a bank, payment account, money-transfer service, investment platform, or financial advisor. FloosYo does not provide financial, investment, tax, accounting, or legal advice. Any insights, projections, or AI-generated suggestions in the app are informational only. You are responsible for your own financial decisions.

Subscriptions, Free Trial, and Billing

FloosYo offers paid subscription plans, processed through our payment provider Polar (Polar Software Inc.).

• Plans. Plan options, features, and prices are shown in the app or on our website at the time you subscribe. We may add, change, or discontinue plans at any time.
• Free trial. If we offer a free trial, you may use the paid features for the trial period at no charge. Unless you cancel before the trial ends, your subscription will automatically convert to a paid plan at the standard rate using the payment method you provided.
• Auto-renewal. Subscriptions renew automatically at the end of each billing cycle until cancelled. You authorize us, through Polar, to charge your payment method for each renewal.
• Price changes. If we change prices, we will notify you in advance. The new price will apply on your next renewal, and you may cancel before then if you do not agree.
• Taxes. Prices may exclude taxes. You are responsible for any taxes that apply to your purchase.
• Failed payments. If a payment fails, we may suspend access to paid features until the balance is settled.

Cancellation and Refunds

You may cancel your subscription at any time from within the app or by contacting us. After cancellation, your paid access continues until the end of your current billing period and does not renew.

Except where required by applicable law, fees already paid are non-refundable, including for partial billing periods and unused time. If you believe you were charged in error, contact us within 60 days of the charge and we will review your request in good faith.

Acceptable Use

You agree not to:

• Use the Service to violate any law or the rights of others.
• Attempt to access another user's account or any non-public area of the Service.
• Reverse engineer, decompile, scrape, or copy the Service except as allowed by law.
• Upload or transmit malware, exploit code, or any content intended to disrupt the Service.
• Resell, sublicense, or use the Service to build a competing product.
• Abuse, harass, or threaten other users or our team.
• Use the voice or AI features to submit content that is unlawful, hateful, sexually explicit, or otherwise inappropriate.

We may remove content or terminate accounts that violate these rules.

Your Content and License

You retain ownership of the data you put into FloosYo, including your budgets, categories, expenses, notes, and voice transcripts ("Your Content").

To operate the Service for you, you grant AttenYo a worldwide, non-exclusive, royalty-free, limited license to host, store, transmit, display, back up, and process Your Content solely as needed to provide the Service to you and to comply with the law. We do not use Your Content to train AI models, advertise to you, or create products for sale. This license ends when you delete Your Content or your account, except for backup copies that age out under our retention schedule.

Our Intellectual Property

The FloosYo app, website, brand, logos, designs, source code, and content we create are owned by AttenYo LLC or our licensors and are protected by copyright, trademark, and other laws. We grant you a personal, non-transferable, non-exclusive, revocable license to use the Service for its intended purpose, subject to these Terms. No other rights are granted.

The names "FloosYo" and "AttenYo" and any related logos are our trademarks. You may not use them without our prior written permission.

Voice and AI Features

FloosYo's voice and AI features use third-party AI providers to help you record expenses faster. These features have known limitations:

• AI output can be inaccurate. Always review what gets saved before confirming.
• AI suggestions are not financial advice.
• By using these features, you acknowledge that audio and text you submit are sent to our AI provider as described in the Privacy Policy.

Service Availability and Changes

We work hard to keep FloosYo available, but we do not guarantee uninterrupted, error-free, or uninterrupted access. We may modify, suspend, or discontinue any part of the Service at any time, with or without notice. Where reasonable, we will give you advance notice of significant changes.

Termination

You may stop using the Service and delete your account at any time from the app's settings. We may suspend or terminate your access if you breach these Terms, if we are required to by law, or if continuing to provide the Service to you would create a security or legal risk.

Sections that by their nature should survive termination (including ownership, disclaimers, limitation of liability, indemnification, and governing law) will survive.

Disclaimers

The Service is provided "as is" and "as available", without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, non-infringement, accuracy, and uninterrupted operation. We do not warrant that the Service will meet your requirements or that any errors will be corrected.

Nothing in the Service constitutes financial, investment, tax, accounting, or legal advice. Decisions you make based on the Service are your own.

Limitation of Liability

To the fullest extent permitted by law, AttenYo LLC, its affiliates, and their officers, employees, and agents will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, including lost profits, lost data, or loss of goodwill, arising out of or related to your use of the Service, even if we have been advised of the possibility of such damages.

Our total liability for all claims arising out of or related to the Service or these Terms is limited to the greater of (a) the amount you paid us in the 12 months before the event giving rise to the claim, or (b) USD $100.

Some jurisdictions do not allow the exclusion of certain warranties or limitations of liability, so some of the above may not apply to you.

Indemnification

You agree to defend, indemnify, and hold harmless AttenYo LLC and its affiliates from and against any claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from (a) your use of the Service, (b) Your Content, or (c) your violation of these Terms or applicable law.

Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict-of-laws rules.

Informal resolution first. If you have a dispute with us, you agree to contact us at [email protected] first and try in good faith to resolve it informally for at least 30 days before starting formal proceedings.

Forum. Subject to applicable consumer-protection laws that may give you additional rights, you and AttenYo agree that any unresolved dispute will be brought exclusively in the state or federal courts located in Delaware, and you consent to personal jurisdiction there. You may also bring qualifying claims in your local small claims court.

Nothing in this section limits any non-waivable rights you have under the law of your country, state, or province of residence.

Changes to These Terms

We may update these Terms from time to time. When we make material changes, we will update the "Last updated" date above and, where appropriate, notify you in the app or by email. Your continued use of the Service after the changes take effect means you accept the updated Terms. If you do not accept them, you must stop using the Service.

Miscellaneous

These Terms, together with our Privacy Policy, are the entire agreement between you and AttenYo about the Service, and they supersede any prior agreements. If any part of these Terms is found unenforceable, the rest remains in effect. Our failure to enforce any provision is not a waiver of our right to do so later. You may not assign these Terms; we may assign them to an affiliate or in connection with a merger, acquisition, or sale of assets.

Contact

Questions about these Terms? Contact us at:

AttenYo LLC
Email: [email protected]