Terms of Service

FYLO Terms of Service.

TERMS AND CONDITIONS

Last updated: January 20, 2026

We are Fýlo Ltd (“Company,” “we,” “us,” or “our”), a company registered in England and Wales with company number 16127201, with its registered office at:

Watton Mill
Mill Lane, Watton-at-Stone
Hertfordshire
United Kingdom
SG14 3FR

We operate the website www.fyloapp.ai (the “Site”), the mobile application FYLO (the “App”), as well as any other related products and services that refer or link to these legal terms (collectively, the “Services”).

You can contact us by:
Phone: +44 (0) 7514 389679
Email: hello@fyloapp.ai
Mail: Watton Mill, Mill Lane, Watton-at-Stone, Hertfordshire, SG14 3FR, United Kingdom

These Terms and Conditions (“Legal Terms”) constitute a legally binding agreement made between you, whether personally or on behalf of an entity (“you”), and Fýlo Ltd, concerning your access to and use of the Services. By accessing the Services, you have read, understood, and agree to be bound by all of these Legal Terms.

IF YOU DO NOT AGREE WITH ALL OF THESE LEGAL TERMS, THEN YOU ARE EXPRESSLY PROHIBITED FROM USING THE SERVICES AND YOU MUST DISCONTINUE USE IMMEDIATELY.

Supplemental terms and conditions or documents that may be posted on the Services from time to time are hereby expressly incorporated by reference. We reserve the right, in our sole discretion, to make changes or modifications to these Legal Terms at any time. We will alert you about any changes by updating the “Last updated” date of these Legal Terms. It is your responsibility to periodically review these Legal Terms to stay informed of updates. Your continued use of the Services after the date such revised Legal Terms are posted will constitute your acceptance of the changes.

The Services are intended for users who are at least 16 years old. Persons under the age of 16 are not permitted to use or register for the Services.

We recommend that you print a copy of these Legal Terms for your records.

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TABLE OF CONTENTS
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  1. OUR SERVICES

  2. INTELLECTUAL PROPERTY RIGHTS

  3. USER REPRESENTATIONS

  4. PURCHASES AND PAYMENT

  5. CANCELLATION

  6. SOFTWARE

  7. PROHIBITED ACTIVITIES

  8. USER GENERATED CONTRIBUTIONS

  9. CONTRIBUTION LICENSE

  10. MOBILE APPLICATION LICENSE

  11. THIRD-PARTY WEBSITES AND CONTENT

  12. ADVERTISERS

  13. SERVICES MANAGEMENT

  14. PRIVACY POLICY

  15. TERM AND TERMINATION

  16. MODIFICATIONS AND INTERRUPTIONS

  17. GOVERNING LAW

  18. DISPUTE RESOLUTION

  19. CORRECTIONS

  20. DISCLAIMER

  21. LIMITATIONS OF LIABILITY

  22. INDEMNIFICATION

  23. USER DATA

  24. ELECTRONIC COMMUNICATIONS, TRANSACTIONS, AND SIGNATURES

  25. MISCELLANEOUS

  26. CONTACT US

  27. AI-GENERATED CONTENT DISCLAIMER

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1. OUR SERVICES
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The information provided when using the Services is not intended for distribution to or use by any person or entity in any jurisdiction or country where such distribution or use would violate local laws or regulations or which would subject us to any registration requirement within such jurisdiction or country. Accordingly, persons who choose to access the Services from other locations do so on their own initiative and are responsible for compliance with local laws, if and to the extent local laws are applicable.

The Services are not tailored to comply with industry-specific regulations (e.g., UK GDPR for healthcare or financial services), so if your interactions would be subject to such laws, you may not use the Services.

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2. INTELLECTUAL PROPERTY RIGHTS
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Our Intellectual Property

We are the owner or the licensee of all intellectual property rights in our Services, including all source code, databases, functionality, software, website designs, audio, video, text, photographs, and graphics (collectively, the “Content”), as well as the trademarks, service marks, and logos contained therein (the “Marks”).

Our Content and Marks are protected by copyright and trademark laws (and various other intellectual property rights and unfair competition laws) and treaties in the United Kingdom and around the world.

The Content and Marks are provided in or through the Services “AS IS” for your personal, non-commercial use only.

Your Use of Our Services

Subject to your compliance with these Legal Terms, including the “PROHIBITED ACTIVITIES” section below, we grant you a non-exclusive, non-transferable, revocable license to:

• Access the Services; and
• Download or print a copy of any portion of the Content to which you have properly gained access.

Solely for your personal, non-commercial use.

Except as expressly provided in these Legal Terms, no part of the Services and no Content or Marks may be copied, reproduced, aggregated, republished, uploaded, posted, publicly displayed, encoded, translated, transmitted, distributed, sold, licensed, or otherwise exploited for any commercial purpose without our express prior written permission.

If you wish to make any use of the Services, Content, or Marks other than as set out in this section or elsewhere in these Legal Terms, please address your request to: hello@fyloapp.ai

We reserve all rights not expressly granted to you in and to the Services, Content, and Marks.

Any breach of these Intellectual Property Rights will constitute a material breach of these Legal Terms and your right to use our Services will terminate immediately.

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3. USER REPRESENTATIONS
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By using the Services, you represent and warrant that:

• You have the legal capacity and agree to comply with these Legal Terms.
• You are at least 16 years old.
• You will not access the Services through automated or non-human means.
• You will not use the Services for any illegal or unauthorized purpose.
• Your use of the Services will not violate any applicable law or regulation.

If you provide any information that is untrue, inaccurate, not current, or incomplete, we may suspend or terminate your account and refuse any current or future use of the Services.

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4. PURCHASES AND PAYMENT
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We accept the following forms of payment:

Visa
Mastercard
American Express
Discover
Apple Pay
Google Pay

You agree to provide current, complete, and accurate purchase and account information for all purchases made via the Services. You agree to promptly update account and payment information, including email address, payment method, and payment card expiration date.

Value Added Tax (VAT) or other applicable taxes will be added where required. Prices may change at any time. All payments shall be in GBP (£) or your local currency as converted by Apple, Google, or your financial institution.

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5. CANCELLATION
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All purchases are non-refundable, except where required by law.

Subscription cancellations must be completed via the Apple App Store or Google Play subscription settings. Cancellations take effect at the end of the current billing period.

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6. SOFTWARE
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Any software provided is licensed, not sold, and is provided “AS IS” without warranty of any kind.

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7. PROHIBITED ACTIVITIES
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You may not access or use the Services for any purpose other than that for which we make the Services available.

Prohibited activities include, but are not limited to:

• Circumventing security features
• Harassment or abuse of others
• Uploading malicious code
• Automated data scraping
• Impersonation
• Using the Services to compete with us

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8. USER GENERATED CONTRIBUTIONS
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You are solely responsible for any content you submit or upload and represent that you own or have the rights to such content.

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9. CONTRIBUTION LICENSE
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By submitting Contributions, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use, reproduce, distribute, and display such Contributions.

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10. MOBILE APPLICATION LICENSE
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You are granted a limited, non-transferable license to install and use the App for personal, non-commercial purposes.

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11. THIRD-PARTY WEBSITES AND CONTENT
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We are not responsible for third-party websites or content accessed through the Services.

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12. ADVERTISERS
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We are not responsible for third-party advertisements.

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13. SERVICES MANAGEMENT
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We reserve the right to monitor, restrict, or terminate access to the Services.

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14. PRIVACY POLICY
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Please review our Privacy Notice at https://fyloapp.ai/privacy-notice

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15. TERM AND TERMINATION
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These Legal Terms remain in effect while you use the Services.

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16. MODIFICATIONS AND INTERRUPTIONS
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We reserve the right to modify or discontinue the Services at any time.

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17. GOVERNING LAW
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These Legal Terms are governed by the laws of England and Wales.

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18. DISPUTE RESOLUTION
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Disputes shall be resolved through binding arbitration in London, United Kingdom, unless otherwise required by law.

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19. CORRECTIONS
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We reserve the right to correct errors at any time.

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20. DISCLAIMER
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THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND.

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21. LIMITATIONS OF LIABILITY
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Our liability shall not exceed the amount paid by you in the three (3) months preceding the claim or £50 GBP, whichever is lower.

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22. INDEMNIFICATION
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You agree to indemnify and hold us harmless from any claims arising from your use of the Services.

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23. USER DATA
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We store user data in accordance with applicable data protection laws.

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24. ELECTRONIC COMMUNICATIONS
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You consent to electronic communications and signatures.

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25. MISCELLANEOUS
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These Legal Terms constitute the entire agreement between you and us.

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26. CONTACT US
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Fýlo Ltd
Watton Mill
Mill Lane, Watton-at-Stone
Hertfordshire
United Kingdom
SG14 3FR

Phone: +44 (0) 7514 389679
Email: hello@fyloapp.ai

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27. AI-GENERATED CONTENT DISCLAIMER
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The Services include features powered by artificial intelligence.

AI-generated content is provided for informational and educational purposes only and does not constitute medical, psychological, therapeutic, legal, or professional advice.

AI outputs may be inaccurate or incomplete. You remain solely responsible for decisions and actions taken based on AI-generated content.

All AI-generated content is provided “AS IS” and used at your own risk.