1. Acceptance of Terms
By accessing or using Floo ("the Service"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use the Service. Your continued use of Floo after any changes to these Terms constitutes acceptance of those changes.
2. Service Description
Floo is a personal finance analysis tool that helps users understand their spending patterns and financial health. The Service allows you to:
- Upload bank statements in PDF, CSV, or XLSX format for parsing and analysis
- View categorized transactions across multiple bank accounts
- Track spending across multiple currencies with automatic conversion using European Central Bank (ECB) exchange rates
- Receive automated insights, health scores, and cash flow forecasts
- Detect recurring transactions and subscription patterns
- Export your data in CSV format
Floo is NOT a financial advisory service. The insights, forecasts, scores, and analyses provided by Floo are purely informational and algorithmic. They do not constitute financial advice, investment recommendations, or tax guidance. Always consult a qualified financial professional before making financial decisions.
3. User Accounts
To use Floo, you must create an account by providing an email address and password. You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.
You agree to provide accurate information during registration and to notify us promptly of any unauthorized use of your account.
4. Data Handling
We take a privacy-first approach to data handling:
- Uploaded files are parsed, not stored. When you upload a bank statement, Floo extracts the transaction data and discards the original file. We do not retain your PDF, CSV, or XLSX files.
- We do NOT store your bank credentials. Floo never asks for your bank password, API keys, or any form of bank access credentials.
- What we store: a SHA-256 hash of your email (not the actual email address), your chosen display name, extracted transaction data, user preferences (currency, locale, theme), and account metadata.
- What we do NOT store: your actual email address in plain text, bank credentials, the original uploaded files, IP addresses (beyond ephemeral rate-limiting), or any biometric data.
For full details, please read our Privacy Policy.
5. Service Tiers & Billing
Floo offers three service tiers:
- Free tier: unlimited bank accounts, 500 transactions per calendar month (counted by transaction date), full analytics, multi-currency support, CSV export, and cash tracking. You can upload data from any month or year — each calendar month has its own transaction count.
- Plus tier ($1/month): everything in the Free tier with unlimited transactions per month and no volume restrictions.
- Pro tier (coming soon): everything in Plus with automatic bank synchronization via Open Banking — your transactions imported daily without manual uploads.
Plus tier pricing is billed monthly. You may cancel at any time; your access will remain active until the end of the current billing period. No refunds are provided for partial months.
6. Acceptable Use
You agree not to:
- Use the Service for any illegal purpose or in violation of any applicable laws
- Upload files containing malware, scripts, or content unrelated to financial transactions
- Attempt to reverse-engineer, decompile, or disassemble the Service
- Attempt to gain unauthorized access to other users' accounts or data
- Use automated tools (bots, scrapers) to access the Service in a manner that exceeds reasonable usage
- Resell, sublicense, or redistribute the Service without written permission
7. Intellectual Property
Floo and its original content, features, and functionality are owned by Floo and are protected by international copyright, trademark, and other intellectual property laws.
Your data remains yours. You retain all ownership rights to the financial data you upload and the transaction records derived from it. We do not claim any ownership over your data. You may export or delete it at any time.
8. Disclaimers
THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.
Floo does not warrant that:
- The Service will be uninterrupted, secure, or error-free
- Transaction parsing will be 100% accurate for all bank statement formats
- Exchange rates, forecasts, or health scores will be perfectly accurate
- The Service will meet your specific requirements
9. Limitation of Liability
To the fullest extent permitted by applicable law, Floo and its operators shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, or goodwill, arising from your use of or inability to use the Service.
In no event shall our total liability exceed the amount you have paid to Floo in the twelve (12) months preceding the claim.
10. Termination
By you: You may delete your account at any time from your account settings. Upon deletion, all your data — including transaction records, preferences, and account metadata — will be permanently and irreversibly erased from our systems.
By us: We reserve the right to suspend or terminate your account if you violate these Terms or engage in activity that could harm the Service or other users. We will make reasonable efforts to notify you before termination, except in cases of egregious violations.
11. Changes to Terms
We may update these Terms from time to time. When we do, we will update the "Last updated" date at the top of this page and, for material changes, provide notice through the Service. Your continued use of Floo after changes take effect constitutes acceptance of the updated Terms.
12. Governing Law
These Terms shall be governed by and construed in accordance with applicable law, without regard to conflict of law provisions. Any disputes arising from these Terms or your use of the Service shall be resolved through good-faith negotiation first, and if necessary, through binding arbitration.
13. Contact
If you have questions about these Terms, please contact us through the in-app support channel or at the contact information provided on our website.