Terms for using Flo
These terms are an agreement between you and JustJoshin LLC ("we", "us") covering the Flo Forecast app, the Flo web app at app.floapp.app, and the floapp.app and floforecast.com websites (together, "Flo"). You agree to them by ticking the box when you create an account, or when the app asks after we've updated them. If you don't agree, don't use Flo.
What Flo is, and isn't
Flo is a personal cash-flow forecasting tool. It shows projections based on the bills, income, and bank activity you provide or connect. Projections are estimates and can be wrong: a bill can post early, a paycheck late, an amount can differ. Flo is not financial, legal, or tax advice, and we're not a bank, broker, or adviser. Decisions about your money are yours; check your bank before you rely on a number.
Forecasts, reminders and estimates
Everything Flo shows about the future (safe to spend, projected balances, card payment forecasts, savings pace, and the notifications that warn you about a dip or a payment due) is an estimate built from your plan, your bank activity and any figures you enter. A card's forecast is your estimate (or Flo's) until a statement closes, when the statement's real total takes over. Estimates can be wrong or late, notifications can be delayed or not arrive, and none of it replaces checking your bank and your statements. You're responsible for paying your bills on time.
Smarter sorting
Smarter sorting is optional and off until you turn it on. When it's on, Flo sends limited transaction details to Anthropic to suggest names, categories and budget amounts, as described in our privacy policy. Suggestions can be wrong; nothing is applied until you accept it, and you can turn the feature off at any time.
Your account
You must be at least 18 and able to enter a contract. Keep your login secure and tell us right away at support@floapp.app if you think someone else has used it. You're responsible for activity under your account. Keep your password and, if you use two-step sign-in, your codes to yourself. If you lose your authenticator, a reset takes 24 hours, and we can't shorten it. One person per account.
Bank connections
Linking a bank is optional and goes through Plaid. By linking, you authorize Plaid to retrieve balance, transaction and account information (for cards and loans, details such as statements, interest rates and due dates) from your financial institution and share it with us, and you agree to Plaid's End User Privacy Policy. Flo's access is read-only; we can't move money. You can disconnect at any time from Settings.
Apple Wallet
On iPhone, you can choose to share Apple Card, Apple Cash or Apple Savings with Flo from Apple Wallet. Flo's access is read-only, it updates when Flo opens on that iPhone, and you can stop sharing at any time in your iPhone's Settings. If you sign in with a password, sharing Wallet needs two-step sign-in. What Flo reads, and when it's deleted, is in our privacy policy.
Households
You can invite other people to share your budget in a household. Everyone in it sees every account, balance and transaction in it, edits the budget and files transactions, so you're responsible for who you invite. The person who made the household invites and removes members, holds the subscription (one covers every bank in the household) and runs the paydown plan. Each bank stays with the person who linked it, and only they can disconnect it. Whoever leaves takes the banks they linked with them.
Acceptable use
Don't use Flo to break the law, access accounts that aren't yours, probe or overload our systems, reverse-engineer the app, or resell it. We may suspend or close accounts that do.
Paid plans
Some features may require a subscription, bought through Apple in the iPhone app or by card on the web. Prices are shown before you buy, and subscriptions renew automatically until cancelled. A subscription bought through Apple is cancelled in your Apple ID settings, and refunds are handled by Apple under its terms. A subscription bought on the web is cancelled from Settings in Flo, under Subscription settings, and stays active until the end of the period already paid for. If a plan starts with a free trial, it becomes a paid subscription when the trial ends unless you cancel before then. Payments for web subscriptions are not refundable, except where the law requires. If something went wrong with a charge, write to support@floapp.app. Features and prices can change; we'll give notice before any change affects an active subscription. In a household, the subscription is the owner's and covers every bank in it. If a subscription ends, linked banks stop syncing and are disconnected 7 days later; what was already imported stays, and tracking by hand never needs a subscription. To delete your account while a web subscription is still renewing, cancel the subscription first.
Your data
You own what you enter and what's imported from your bank. You give us a license to store and process it only to run Flo for you. Our privacy policy explains what we collect and how you can delete it.
Availability and changes
We'll do our best to keep Flo running, but it's provided "as is" and "as available". We may change or discontinue features, and we may end the service with reasonable notice. Bank data depends on your institution and Plaid, which we don't control.
Limits on our liability
To the fullest extent the law allows, JustJoshin LLC isn't liable for indirect, incidental, or consequential damages, or for losses arising from decisions you make based on Flo's projections. Our total liability for any claim is limited to the amount you paid us in the twelve months before the claim, or $50 if you paid nothing. Some jurisdictions don't allow these limits, in which case they apply to the extent permitted.
Disputes
These terms are governed by the laws of South Carolina. Before either of us starts a formal dispute, we agree to try to resolve it by email first. Any dispute that can't be resolved will be brought in the state or federal courts located in Greenville County, South Carolina.
Changes to these terms
We may update these terms. If a change matters, the app will ask you to agree to the updated terms before you carry on using it, and the effective date above will change. If you don't agree, you can stop using Flo and delete your account from Settings.
Contact
JustJoshin LLC · Greenville, South Carolina · support@floapp.app