Terms of Service

Last updated: December 16, 2025

⚠️ Please Read Carefully: These Terms of Service ("Terms") govern your use of the FLO mobile application. By downloading, installing, or using FLO, you agree to be bound by these Terms. If you do not agree, do not use the app.

1. Acceptance of Terms

By accessing and using FLO ("the App"), operated by FINCH & POPPY CO. LLC ("we", "us", "our"), you accept and agree to be bound by these Terms of Service and our Privacy Policy. These Terms apply to all users of the App.

2. Description of Service

FLO is a financial management and tracking application designed for freelancers, gig workers, and small business owners. The App provides:

Transaction tracking and categorization
Budget creation and monitoring
Invoice generation and payment tracking
Receipt scanning and storage
Business mileage tracking
Tax estimate calculations
Financial reports and analytics

These features are provided as tools to assist with financial organization. They are not professional financial, tax, accounting, or legal advice.

3. User Accounts and Eligibility

Eligibility

You must be at least 18 years old to use FLO. By using the App, you represent and warrant that you meet this age requirement.

Account Responsibility

You are responsible for:

Maintaining the security of your device and any passcodes or biometric authentication you use to protect the App
All activities that occur under your account or through your device
The accuracy and completeness of all data you enter into the App
Keeping your device and iOS software up to date

4. License and Restrictions

Limited License

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to:

Download and install the App on devices you own or control
Use the App for your personal or business financial management

Restrictions

You may NOT:

Modify, reverse engineer, decompile, or disassemble the App
Copy or reproduce the App (except for normal backup purposes)
Rent, lease, lend, sell, redistribute, or sublicense the App
Remove any proprietary notices or labels from the App
Use the App for any illegal purpose or in violation of any laws
Attempt to gain unauthorized access to any part of the App
Use the App to harm, harass, or violate the rights of others
Interfere with or disrupt the App's functionality

5. User Content and Data

Your Data

You retain all ownership rights to the data you enter into the App, including transactions, notes, receipts, invoices, and other content ("User Content"). By using the App, you grant us a limited license to:

Store your User Content locally on your device
Process your User Content to provide App functionality (e.g., calculations, reports)

Data Accuracy

You are solely responsible for:

The accuracy and completeness of all data you enter
Verifying all calculations, estimates, and reports
Maintaining backup copies of important data
Ensuring data entered complies with applicable laws and regulations

Data Backup

While we take reasonable measures to prevent data loss, you are responsible for:

Regularly backing up your data using the App's export features
Maintaining copies of important receipts and documents outside the App

We are not responsible for any loss of data resulting from device failure, app deletion, iOS updates, or any other cause.

6. Tax and Financial Disclaimers

⚠️ Critical Disclaimer

FLO is NOT a substitute for professional tax, accounting, or legal advice.

Tax Estimates

Tax estimation features are provided for informational and planning purposes only. These estimates:

Are based on generalized federal and state tax rates
May not reflect your specific tax situation
Do not account for all possible deductions, credits, or special circumstances
May become outdated as tax laws change
Should never be used as the basis for official tax filings

Your Responsibilities

You are responsible for:

Consulting with qualified tax professionals (CPAs, EAs, tax attorneys) for tax advice
Verifying all tax calculations before filing
Ensuring compliance with current IRS regulations and state/local tax laws
Meeting all tax deadlines (FLO reminders are helpful but not guaranteed)
Maintaining proper documentation as required by law

For complete tax disclaimers, see our Tax & Legal Disclaimer page.

7. Mileage Tracking

The mileage tracking feature uses GPS location data to calculate distances. You acknowledge that:

GPS accuracy can vary based on signal, weather, and device conditions
You are responsible for verifying mileage calculations
The IRS requires contemporaneous logs - maintain backup records
Battery drain may occur during active tracking
Background location use is only active when you enable mileage tracking

8. Receipt Scanning

The receipt scanning feature uses Optical Character Recognition (OCR) to extract data from images. You acknowledge that:

OCR accuracy depends on image quality and receipt legibility
You must review and verify all extracted data before relying on it
Original receipts should be retained as required by tax law
We are not responsible for errors in OCR extraction

9. Invoicing Features

The invoice generation features allow you to create professional invoices. You acknowledge that:

You are responsible for ensuring invoices comply with local laws and client contracts
Some jurisdictions require specific invoice elements (tax ID, registration numbers, etc.)
Professional invoicing software or legal review may be necessary for some businesses
Payment tracking is for your records only - actual payment collection is your responsibility
We are not responsible for client disputes, non-payment, or collection issues

10. Intellectual Property

Our Property

The App, including its design, code, features, graphics, and content (excluding User Content), is owned by FINCH & POPPY CO. LLC and protected by copyright, trademark, and other intellectual property laws.

Trademarks

"FLO" and associated logos are trademarks of FINCH & POPPY CO. LLC. You may not use these marks without our prior written permission.

Open Source

FLO may include open-source software components. These components are governed by their respective licenses, which are available within the App or upon request.

11. Third-Party Services

iOS and Apple Services

FLO operates on iOS devices and uses Apple services (iCloud, notifications, etc.). Your use of these services is subject to Apple's terms and conditions.

Future Bank Linking (Plaid)

If you use bank account linking features in future versions, you will be subject to Plaid's terms of service (plaid.com/legal). We are not responsible for Plaid's services or data handling.

Third-Party Links

The App may contain links to third-party websites or services. We are not responsible for the content, policies, or practices of third-party sites.

12. Limitation of Liability

IMPORTANT - PLEASE READ CAREFULLY

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

"AS IS" Provision

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:

Warranties of merchantability or fitness for a particular purpose
Warranties of accuracy, reliability, or completeness
Warranties that the App will be uninterrupted, secure, or error-free
Warranties regarding tax calculations, financial estimates, or data accuracy

No Liability for Damages

FINCH & POPPY CO. LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR:

Tax calculation errors, missed deadlines, or IRS audits
Financial losses resulting from inaccurate data or estimates
Data loss due to device failure, app errors, or user error
Damages resulting from unauthorized access to your device
Missed business opportunities or lost income
Any indirect, incidental, consequential, special, or punitive damages
Lost profits, data, or goodwill

Maximum Liability

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES EXCEED THE AMOUNT YOU PAID FOR THE APP IN THE 12 MONTHS PRECEDING THE CLAIM (OR $50 IF THE APP WAS FREE).

Jurisdictional Limitations

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability. In such jurisdictions, our liability shall be limited to the greatest extent permitted by law.

13. Indemnification

You agree to indemnify, defend, and hold harmless FINCH & POPPY CO. LLC, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including legal fees) arising from:

Your use or misuse of the App
Your violation of these Terms
Your violation of any laws or regulations
Your User Content or data you enter into the App
Any tax filings or financial decisions you make based on the App
Disputes with clients, vendors, or tax authorities

14. Changes to the App

We reserve the right to:

Modify, update, or discontinue features at any time
Release new versions with changes to functionality
Require updates to continue using the App
Change pricing or introduce subscription models

We will provide notice of significant changes when reasonably possible.

15. Termination

By You

You may stop using the App at any time by deleting it from your device. We recommend exporting your data first.

By Us

We may terminate or suspend your access if you:

Violate these Terms
Use the App for illegal purposes
Engage in conduct that harms us or other users

Effect of Termination

Upon termination:

Your license to use the App ends immediately
You must stop using the App and delete it from your devices
Provisions that should survive (disclaimers, limitations of liability) remain in effect

16. Dispute Resolution

Governing Law

These Terms are governed by the laws of the State of Kentucky, USA, without regard to conflict of law principles.

Arbitration

Any disputes arising from these Terms or your use of the App shall be resolved through binding arbitration in accordance with the rules of the American Arbitration Association. You waive your right to participate in class action lawsuits.

Exceptions

Either party may seek injunctive relief in court for intellectual property violations or other equitable claims.

17. General Provisions

Entire Agreement

These Terms, together with our Privacy Policy and Legal Disclaimer, constitute the entire agreement between you and FINCH & POPPY CO. LLC regarding the App.

Severability

If any provision of these Terms is found unenforceable, the remaining provisions remain in full force and effect.

Waiver

Our failure to enforce any right or provision does not constitute a waiver of that right or provision.

Assignment

You may not assign these Terms without our consent. We may assign these Terms to any successor or affiliate.

Force Majeure

We are not liable for failures or delays due to circumstances beyond our reasonable control (e.g., natural disasters, government actions, internet failures).

18. Changes to Terms

We may update these Terms from time to time. We will notify you by:

Posting the new Terms on this page with an updated "Last updated" date
Providing an in-app notification for significant changes
Requiring acceptance of new terms before continued use (for material changes)

Your continued use of the App after changes constitutes acceptance of the new Terms.

19. Contact Information

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

Email: flo.financeapp@gmail.com
Website: floptimizer.github.io
Company: FINCH & POPPY CO. LLC

20. Acknowledgment

BY DOWNLOADING, INSTALLING, OR USING FLO, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.