Terms of Service

1. Acceptance of Terms

By downloading, installing, or using Floosy (the "App"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree, do not use the App.

2. Description of Service

Floosy is an AI-powered expense tracking application that provides voice input, AI chat, smart insights, friend splitting, multi-currency support, budgets, financial analytics, and a community feedback system. The App supports English and Arabic. We reserve the right to modify, suspend, or discontinue features at any time with reasonable notice.

3. User Accounts

You must create an account to use Floosy. You may sign up using email, Google, or Apple sign-in. You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. You must provide accurate and complete information. You must be at least 13 years old (or the applicable age of digital consent in your jurisdiction) to create an account.

4. Subscriptions and Payments

Floosy offers a free plan and paid Pro subscription. The Pro plan is available as a monthly or yearly subscription.

Apple App Store Subscriptions

For subscriptions purchased through the App Store, the following terms apply:

Payment is charged to your Apple ID account at the confirmation of purchase.
Subscriptions automatically renew unless auto-renew is turned off at least 24 hours before the end of the current billing period.
Your account will be charged for renewal within 24 hours prior to the end of the current period, at the current subscription price.
You can manage your subscription and turn off auto-renewal in your Apple ID Account Settings after purchase.
Any unused portion of a free trial period, if offered, will be forfeited when you purchase a subscription.
Refunds are handled by Apple. To request a refund, visit Apple Support.

Google Play Subscriptions

For subscriptions purchased through Google Play, the following terms apply:

Payment is charged to your Google account at the confirmation of purchase.
Subscriptions automatically renew unless auto-renew is turned off at least 24 hours before the end of the current billing period.
You can manage your subscription and turn off auto-renewal in your Google Play Store settings after purchase.
Any unused portion of a free trial period, if offered, will be forfeited when you purchase a subscription.
Refunds are handled by Google. To request a refund, visit Google Play Support.

Referral Program

You may earn free Pro trial days by referring new users to Floosy. When someone signs up using your referral code, you receive 7 days of free Pro access. Referral benefits may be modified or discontinued at any time.

5. User Content

You retain ownership of the data you enter into Floosy, including transactions, accounts, categories, and other financial records. By using the App, you grant us a limited license to process your data solely to provide and improve the App's features and services. We do not claim ownership of your content.

6. AI Features

Floosy uses artificial intelligence for voice transcription, transaction parsing, and chat-based financial insights. By using these features:

You acknowledge that your voice recordings and text inputs are transmitted to our AI providers (Groq and OpenAI) for processing.
AI-generated responses are for informational purposes only. Floosy is not a financial advisor, accountant, or tax professional. You should not rely solely on AI-generated insights for financial decisions.
AI features may occasionally produce inaccurate results. You are responsible for verifying the accuracy of transcribed transactions and AI-generated insights.

7. Contacts and Friend Discovery

Floosy offers a friend discovery feature that allows you to find people you know who already use the App. When you grant Floosy access to your device contacts:

Email addresses from your contacts are transmitted to Floosy servers to check for matching accounts.
Contact names and phone numbers remain on your device and are never uploaded to our servers.
You may revoke contact access at any time through your device settings.
Floosy does not store your full contact list. Email addresses are used transiently for matching purposes only.

8. Prohibited Use

You may not use Floosy to:

Violate any applicable law or regulation
Transmit harmful code, malware, or interfere with the App's operation
Impersonate others or create accounts for fraudulent purposes
Attempt unauthorized access to our systems or other users' accounts
Use the App for money laundering or other financial crimes
Abuse the referral program through fake accounts or fraudulent referrals
Reverse engineer, decompile, or disassemble the App

9. Intellectual Property

The App and its original content, features, functionality, design, and branding are owned by Floosy and are protected by copyright, trademark, and other intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to use the App on devices that you own or control, subject to these Terms and the applicable platform's usage rules.

10. Account Deletion

You may delete your account at any time from the App settings. Upon deletion, your authentication account is permanently removed and all your personal data is permanently deleted — including transactions, accounts, budgets, voice commands, chat history, notifications, and subscriptions. Shared transaction records with other users are preserved with your references removed so the other party's financial records remain intact. Account deletion is irreversible. Please cancel any active subscriptions before deleting your account. See our Privacy Policy for full details.

11. Termination

We may suspend or terminate your account at any time for violations of these Terms, including but not limited to fraudulent activity, abuse of the referral program, or prohibited use. Upon termination, your right to use the App ceases immediately.

12. Disclaimers

Floosy is provided "as is" and "as available" without warranties of any kind, whether express or implied. We do not warrant that the App will be uninterrupted, error-free, or secure.

Floosy is not a financial institution, financial advisor, accountant, or tax professional. The App is a personal expense tracking tool and should not be relied upon as the sole basis for financial, tax, or investment decisions. AI-generated insights are for informational purposes only.

13. Limitation of Liability

To the maximum extent permitted by law, Floosy and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the App, including but not limited to loss of data, loss of profits, or financial losses resulting from reliance on AI-generated content or inaccurate expense tracking.

14. Indemnification

You agree to indemnify and hold harmless Floosy and its operators from any claims, damages, losses, or expenses (including reasonable legal fees) arising from your use of the App, violation of these Terms, or infringement of any third-party rights.

15. Governing Law

These Terms are governed by the laws of the State of Texas, United States, without regard to its conflict of law provisions.

16. Dispute Resolution

Any disputes arising from these Terms shall be resolved through binding arbitration in Austin, Texas, in accordance with the rules of the American Arbitration Association. You agree to resolve disputes on an individual basis and waive the right to participate in class action lawsuits or class-wide arbitration.

17. DMCA Notice

If you believe content on Floosy infringes your copyright, please send a DMCA notice to legal@floosy.ai with a description of the copyrighted work and the allegedly infringing material.

18. Apple-Specific Terms

The following terms apply to your use of the App on Apple devices, as required by Apple's App Store guidelines:

Acknowledgement: These Terms are between you and Floosy only, not Apple. Floosy, not Apple, is solely responsible for the App and its content.
Scope of License: The license granted to you is limited to a non-transferable license to use the App on Apple-branded products that you own or control, as permitted by the Usage Rules set forth in the App Store Terms of Service.
Maintenance and Support: Floosy is solely responsible for providing any maintenance and support services for the App. Apple has no obligation to furnish any maintenance or support services.
Warranty: Floosy is responsible for any product warranties, whether expressed or implied by law. In the event of any failure of the App to conform to an applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any). Apple has no other warranty obligation.
Product Claims: Floosy, not Apple, is responsible for addressing any claims relating to the App, including product liability claims, any claim that the App fails to conform to applicable legal or regulatory requirements, and claims arising under consumer protection or similar legislation.
Intellectual Property Claims: Floosy, not Apple, is responsible for the investigation, defense, settlement, and discharge of any third-party intellectual property infringement claims related to the App.
Legal Compliance: You represent and warrant that you are not located in a country that is subject to a US Government embargo, or that has been designated by the US Government as a "terrorist supporting" country, and that you are not listed on any US Government list of prohibited or restricted parties.
Third-Party Beneficiary: Apple and its subsidiaries are third-party beneficiaries of these Terms, and upon your acceptance, 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.

19. Google Play-Specific Terms

The following terms apply to your use of the App on Android devices:

Acknowledgement: These Terms are between you and Floosy only, not Google. Floosy, not Google, is solely responsible for the App and its content.
Scope of License: The license granted to you is limited to a non-transferable license to use the App on Android devices that you own or control, as permitted by the Google Play Terms of Service.
Maintenance and Support: Floosy is solely responsible for providing any maintenance and support services for the App. Google has no obligation to furnish any maintenance or support services.
Product Claims: Floosy, not Google, is responsible for addressing any claims relating to the App, including product liability claims and claims arising under consumer protection or similar legislation.

20. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes by posting updated Terms in the App and updating the "Last updated" date above. Your continued use of the App after changes are posted constitutes acceptance of the updated Terms.

21. Contact Us

For questions about these Terms of Service, contact us at: