Terms of Service

1. Acceptance of terms

By accessing or using Flor, including by joining the waitlist, you agree to these Terms of Service and our Privacy Policy, and you confirm that you are at least 18 years old. If you do not agree, please do not use Flor.

2. Who can use Flor

• You must be at least 18 years old and live in the United States.
• Each account is for one person and their own finances.
• During early access, accounts are by invitation only. We open access to people on the waitlist over time.

3. The service

Flor is a personal finance app that brings your financial accounts together, both connected accounts and accounts you add manually, to give you a clear view of your money. Flor has read-only access to the accounts you connect. It cannot move money, make payments, or change anything at your financial institutions. We are improving Flor all the time, so features may change, launch later, or be removed.

4. Your account

• You are responsible for the accuracy of information you provide and for keeping your password confidential.
• You are responsible for activity that occurs under your account.
• Tell us promptly about any unauthorized use at support@florfinance.com.

5. Free trial, subscription & billing

• Free trial. New accounts start with a 14-day free trial. A card is required to start it. Each account gets one trial.
• Price. After the trial, Flor costs $15 per month. The price is shown before you start your trial.
• Automatic renewal. Unless you cancel before your trial ends, your card is charged automatically when the trial ends and again every month until you cancel. We will remind you by email before your trial ends.
• Your authorization. By starting a trial, you authorize Flor Finance LLC, through our payment processor Stripe, to charge your card $15 at the end of your trial and every month after that until you cancel. If you update your card, this authorization applies to the new card.
• Cancelling. You can cancel at any time in Settings. If you cancel during your trial, you will not be charged. If you cancel after that, you keep access until the end of the month you have paid for, and you will not be charged again. Deleting your account ends your access right away and stops your subscription from renewing, so you will not be charged again. If you restore your account before the end of the month you paid for, your subscription picks back up.
• Refunds. Payments are non-refundable and we do not give partial refunds for unused time, except where the law requires.
• Failed payments. If a payment fails, we may retry it and pause your access until it succeeds.
• Price changes. If the price changes, we will tell you at least 30 days before the new price applies to you, and you can cancel before it does.

6. Referrals

You can invite others to Flor with your personal referral link. Referrals should be genuine, and referring yourself or using duplicate accounts does not count. Before launch, people who refer others may get earlier access. Current rewards are shown where you get your referral link. Rewards have no cash value, cannot be exchanged or transferred, and may be replaced with an item of similar value if one is unavailable. Physical rewards ship to US addresses only. A referral counts toward a reward only after the person you referred makes their first payment and 30 days pass without that payment being refunded or disputed. We may change, pause, or end the referral program, or disqualify referrals we believe are fraudulent or automated, at any time. Rewards you have already earned will still be honored.

The free year. A free year starts when you claim it. If your subscription is active when you claim it, your next 12 monthly payments are $0, and your subscription then continues at the regular price unless you cancel. If you had already canceled, the free year starts when your paid time ends; if your subscription had ended, it starts right away. Either way, it runs for 12 months and then ends, and you will not be charged unless you choose to keep Flor in Settings. Canceling or deleting your account during the free year ends the rest of it. Rewards you have not claimed are lost if your account is deleted.

7. Acceptable use

You agree not to misuse the service. In particular, you agree not to:

• Access another person's accounts or data without authorization.
• Reverse-engineer, scrape, disrupt, or place an unreasonable load on the service or its infrastructure.
• Use bots or other automated means to access the service, or attempt to circumvent its security, rate limits, or access controls.
• Use Flor for unlawful purposes or to violate any third party's rights.

8. Third-party services

Flor relies on third-party technology providers, listed in our Privacy Policy. Your use of Plaid to connect accounts is also governed by Plaid's terms, and Stripe's terms apply to payments. Your financial institutions supply the data Flor shows, and we do not control them. A connection can stop working, for example when an institution changes its systems, and you may need to reconnect it.

9. Your data

Your financial data belongs to you. You give us permission to collect, store, and process it only to provide Flor to you, as described in our Privacy Policy. If you send us feedback or ideas, we may use them to improve Flor without owing you anything.

10. Not financial advice

Flor is an informational tool. It does not provide financial, investment, tax, or legal advice. Flor Finance LLC is not a registered investment adviser, broker-dealer, or fiduciary. Balances and figures come from third parties and may be delayed or inaccurate. Always check with your financial institution before making decisions.

11. Flor's property

Flor, including its software, design, name, and logo, belongs to Flor Finance LLC. While your account is in good standing, we give you a personal, non-transferable right to use Flor for your own finances.

12. Disclaimers & liability

The service is provided “as is” without warranties of any kind. To the maximum extent permitted by law, Flor Finance LLC is not liable for indirect, incidental, or consequential damages, or for any losses arising from reliance on data displayed in the app. To the same extent, our total liability for any claim about Flor is limited to the amount you paid us in the 12 months before the claim. Nothing in these terms limits liability that cannot be limited under applicable law.

13. Termination

You may stop using Flor and delete your account at any time in Settings. We may suspend or close your account if you break these terms or to protect the service and its users. When an account is deleted, or when a trial or subscription ends and is not renewed, your data is deleted as described in the Privacy Policy, generally 30 days later.

14. Governing law & disputes

These terms are governed by the laws of the State of Florida, without regard to its conflict-of-law rules. If you have a problem with Flor, please email us first and give us 30 days to try to fix it. If we cannot resolve it, either of us may bring a claim in the state or federal courts located in Florida, or in small claims court where you live if your claim qualifies.

15. Changes to these terms

We may update these terms as Flor grows and as legal requirements change. When we make material changes, we will notify you in the app or by email. If you keep using Flor after the changes take effect, you accept the updated terms.

16. Contact us

Questions about these terms? Email support@florfinance.com.