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 support@floosyo.com 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. If you subscribe in the iOS app, your purchase is processed by Apple as an in-app purchase and is also subject to Apple's terms. If you subscribe on our website, Polar Software, Inc. ("Polar") sells the subscription to you as our authorized reseller and merchant of record, and your purchase is also subject to Polar's terms.

• Plans. Plan options, features, and prices are shown in the app 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 on file with Apple or Polar.
• Auto-renewal. Subscriptions renew automatically at the end of each billing cycle until cancelled. You authorize Apple or Polar, as applicable, to charge the payment method on file for each renewal.
• Managing your subscription. If you subscribed through Apple, manage or cancel your subscription in Settings › Apple ID › Subscriptions on your device. If you subscribed on our website, manage or cancel it from your account on our website (for example, Settings › Subscription), or contact support@floosyo.com.
• 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. Any applicable taxes are calculated and collected by Apple or Polar at checkout. Where the law requires it, prices shown include tax. Otherwise, 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. Cancel Apple subscriptions in your Apple ID subscription settings, and website subscriptions from your account on our website. If you contact us, we will help you find these settings. 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.

Refunds for Apple purchases are handled by Apple under its policies. Refunds for website purchases are processed through Polar. If you are a consumer in the EU or UK, you may have a statutory right to withdraw, as explained at checkout.

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.

If you send us feedback, suggestions, or ideas, we may use them without restriction or compensation to you.

Voice and AI Features

FloosYo's voice, photo, 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 text and images you submit are sent to our AI provider as described in the Privacy Policy.

Bank Connections and Third-Party Services

Where available, FloosYo lets you link financial accounts through Plaid Inc. and its affiliates ("Plaid"). Linking is optional. By linking an account, you authorize AttenYo and Plaid to access and transmit your information from your financial institution on your behalf, and you acknowledge and agree to your information being processed by Plaid under Plaid's End User Privacy Policy.

FloosYo has read-only access to linked accounts and cannot move money, make payments, or change anything at your bank.

Account, balance, holdings, and transaction data come from your financial institution through Plaid. We may categorize, filter, or summarize this data, but we do not independently verify it. We are not responsible for its accuracy, completeness, or timeliness, or for any outage, delay, or error of Plaid, your financial institution, or any other third-party service the Service relies on, such as Apple, payment providers, AI providers, or hosting providers. Always confirm balances and transactions with your financial institution.

Your use of any third-party service is also governed by that provider's own terms.

Service Availability and Changes

We work hard to keep FloosYo available, but we do not guarantee uninterrupted or error-free 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.

Reminders, notifications, projections, and figures such as amounts left, upcoming, or flexible are estimates based on the information available to the app. Notifications may be delayed or not delivered. You remain responsible for paying your bills on time, for checking amounts before acting on them, and for verifying balances with your financial institution.

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.

Nothing in these Terms excludes or limits any liability that cannot be excluded or limited under applicable law. If you live in the UK or EU, this includes liability for death or personal injury caused by our negligence and for fraud.

You can request an export of your expense records from Settings. You are responsible for keeping your own copies of any records you need.

Indemnification

To the extent permitted by applicable law, you agree to defend, indemnify, and hold harmless AttenYo LLC and its affiliates, officers, employees, and agents from and against any third-party claims, damages, liabilities, costs, and expenses (including reasonable attorneys' fees) arising from (a) Your Content, (b) your breach of these Terms, (c) your misuse of the Service, or (d) your violation of any law or the rights of any third party. We may assume the exclusive defense and control of any matter you must indemnify, and you will cooperate with us in that defense.

Events Beyond Our Control

To the extent permitted by applicable law, we are not liable for any delay or failure to perform caused by events beyond our reasonable control, including outages or changes at Apple, Plaid, financial institutions, payment providers, AI providers, or hosting or network providers, as well as natural disasters, pandemics, power or internet failures, war, labor disputes, government action, and cyberattacks that reasonable security measures could not have prevented. This does not affect any refund or other remedy you have under applicable law for paid services not provided.

Apple App Store Terms

If you downloaded FloosYo from the Apple App Store, the following also applies:

• These Terms are between you and AttenYo LLC only, not Apple. As between AttenYo and Apple, AttenYo, not Apple, is solely responsible for the app and its content.
• Your license to use the app is a non-transferable license limited to use on Apple-branded products you own or control, as permitted by the Usage Rules in the Apple Media Services Terms and Conditions.
• AttenYo is solely responsible for any maintenance and support of the app, as described in these Terms. Apple has no obligation to provide any maintenance or support for the app.
• If the app fails to conform to any applicable warranty, you may notify Apple and Apple will refund the purchase price, if any, for the app. To the maximum extent permitted by law, Apple has no other warranty obligation with respect to the app. As between AttenYo and Apple, any other claims, losses, liabilities, damages, costs, or expenses attributable to any failure to conform to any warranty are AttenYo's responsibility, to the extent not effectively disclaimed in these Terms.
• As between AttenYo and Apple, AttenYo, not Apple, is responsible for addressing any claims by you or any third party relating to the app or your possession and use of it, including product liability claims, claims that the app fails to conform to any legal or regulatory requirement, and claims under consumer protection, privacy, or similar laws.
• If a third party claims that the app or your possession and use of it infringes that third party's intellectual property rights, Apple will not be responsible for the investigation, defense, settlement, or discharge of that claim.
• You represent that you are not located in a country subject to a U.S. Government embargo or designated by the U.S. Government as a "terrorist supporting" country, and that you are not listed on any U.S. Government list of prohibited or restricted parties.
• You must comply with any applicable third-party terms when using the app.
• Apple and its subsidiaries are third-party beneficiaries of these Terms and, once you accept them, 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.

Questions, complaints, or claims about the app should be sent to AttenYo LLC at support@floosyo.com.

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 support@floosyo.com 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. You agree that we may provide notices and other communications to you electronically, including in the app or by email. If these Terms are translated, the English version controls to the extent of any conflict, unless applicable law requires otherwise.

Contact

Questions about these Terms? Contact us at:

AttenYo LLC
Email: support@floosyo.com