Terms of Service

These Terms of Service ("Terms") govern your use of the Floosy mobile app and this website (together, the "Service"), operated by [Registered company name], [registered address] ("Floosy", "we", "us"). By downloading, accessing or using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

If you use the Service on behalf of someone else, you confirm you are authorised to accept these Terms for them.

You must be at least 16 years old, and old enough to enter a binding contract where you live, to use the Service. By using it, you confirm that you meet this requirement and that the information you give us is accurate.

Some features require an account. You are responsible for keeping your account and the device you use secure, and for everything that happens under your account. Tell us promptly if you believe your account has been compromised.

Floosy reads the financial SMS and notifications your bank, wallet and InstaPay send you, and creates spending records from them. It also accepts voice notes, iOS Shortcuts and manual entries, and offers budgets, subscription tracking, insights and affordability checks.

Floosy is a tool to help you understand your own spending. It is not a bank, does not move or hold money, and does not connect to your bank account. It is not a source of financial, investment, tax or legal advice.

• Automatic capture depends on messages sent by third parties and on permissions you grant; it may miss, delay or misread a transaction.
• Categories, budgets, insights and affordability results are estimates generated from your data, not guarantees. Always check the numbers before you rely on them for a financial decision.
• The affordability feature works out whether trimming your day-to-day spending could cover a purchase. It does not forecast your income or account for your savings — treat it as a guide, not a recommendation.

Core automatic SMS capture is free. Floosy Plus is a paid subscription that unlocks additional features. Prices are shown in the app before you buy and may change; any change applies to future billing periods, not the current one.

• Subscriptions are billed through the Apple App Store or Google Play and are subject to their terms. We do not process or store your payment card details.
• Subscriptions renew automatically at the end of each period unless you cancel at least 24 hours before it ends.
• You manage or cancel your subscription in your App Store or Google Play account settings, not inside Floosy.
• If we offer a free trial, it converts to a paid subscription at the end of the trial unless you cancel before it ends.
• Except where the law or the app store requires otherwise, payments are non-refundable and there are no refunds for partial periods.

When using the Service, you agree not to:

• Break any law, or use the Service for fraudulent or harmful purposes.
• Copy, modify, reverse-engineer, resell or otherwise exploit the Service except as these Terms or the law allow.
• Interfere with, disrupt or attempt to gain unauthorised access to the Service, our systems or other users’ data.
• Use automated means to access the Service in a way that harms it or others.
• Upload content or data you do not have the right to use.

The Service, including its software, design, logos and content, belongs to Floosy or its licensors and is protected by law. We grant you a limited, personal, non-exclusive, non-transferable and revocable licence to use the Service for your own personal, non-commercial use under these Terms. Your own data stays yours.

The Service relies on third parties — your bank and wallet providers, the app stores, and the providers described in our Privacy Policy. We are not responsible for third-party services, their content or their availability, and your use of them is governed by their own terms.

The Service is provided "as is" and "as available", without warranties of any kind, whether express or implied, to the fullest extent permitted by law. We do not warrant that the Service will be uninterrupted, error-free or secure, or that the transactions, categories, budgets or affordability results it produces will be complete or accurate.

You remain responsible for your own financial decisions. Nothing in the Service is financial, investment, tax or legal advice.

To the fullest extent permitted by law, Floosy will not be liable for any indirect, incidental, special or consequential losses, or for any loss of profits, data or goodwill, arising from your use of or inability to use the Service — including any decision made in reliance on figures the Service produced.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law.

You may stop using the Service and delete your account at any time. We may suspend or end your access if you breach these Terms or use the Service in a way that could harm Floosy or others. On termination, the licence granted to you ends; sections that by their nature should survive (such as intellectual property, disclaimers and limitation of liability) continue to apply.

We may update the Service and these Terms from time to time. When we make material changes to the Terms, we will update the "Last updated" date above and, where appropriate, notify you in the app. Your continued use of the Service after a change means you accept the updated Terms.

These Terms are governed by the laws of [Governing-law country], without regard to its conflict-of-laws rules, and any dispute will be subject to the courts of [courts / city], unless mandatory law in your country of residence provides otherwise.

If you have any questions about these Terms, contact us at [email protected], or by post at [Registered company name], [registered address].