Terms of Service

Welcome to Arluna.ai. These Terms of Service (“Terms”) govern your access to and use of the Arluna.ai mobile application and related services (collectively, the “Services”). By accessing or using our Services, you agree to be bound by these Terms and our Privacy Policy.

Please read these Terms carefully before using our Services. If you do not agree to these Terms, you may not access or use the Services.

By using our Services, you represent that you are at least 18 years of age and are able to form a legally binding contract.

To use the Services, you must:

• Be at least 18 years old
• Have the legal capacity to enter into a binding agreement
• Comply with these Terms and all applicable laws
• Have a valid email address and phone number
• Have the right to provide any information you submit to the Services

By using our Services, you represent and warrant that you meet all of the requirements above. If you are using the Services on behalf of a company or other entity, you represent that you have the authority to bind that entity to these Terms.

Account Creation

To use certain features of the Services, you may need to create an account. When you create an account, you agree to provide accurate, current, and complete information and to update such information to keep it accurate, current, and complete.

Account Security

You are responsible for:

• Safeguarding your account credentials
• All activities that occur under your account
• Notifying us immediately of any unauthorized use of your account
• Ensuring that you log out from your account at the end of each session

Arluna.ai provides AI-powered financial insights and tools to help you manage your personal finances. These services include:

• Connecting to your financial accounts to analyze transactions
• Providing spending analysis and budgeting recommendations
• Tracking subscriptions and recurring expenses
• Generating financial insights and personalized recommendations
• Visualizing financial data to help you understand your finances

Not Financial Advice

The information and insights provided through our Services are for informational purposes only and should not be considered financial, investment, or tax advice. You should consult with qualified professionals before making any financial decisions.

Third-Party Financial Institutions

To provide our Services, we may connect to third-party financial institutions. By using our Services, you authorize us to access your financial information from these institutions on your behalf. You acknowledge that:

• We are not responsible for the actions or omissions of these third-party institutions
• Your access to these third-party institutions through our Services is subject to the terms and conditions set by those institutions
• We cannot guarantee continuous availability of connections to these institutions

You agree not to use the Services to:

• Violate any applicable law, regulation, or third-party rights
• Engage in any fraudulent, deceptive, or misleading activities
• Attempt to gain unauthorized access to any part of the Services or any systems or networks connected to the Services
• Use any automated means to access or interact with the Services
• Interfere with or disrupt the integrity or performance of the Services
• Attempt to reverse engineer, decompile, or otherwise try to extract the source code of the Services
• Use the Services in any manner that could disable, overburden, damage, or impair the Services

All rights, title, and interest in and to the Services, including all intellectual property rights, are and will remain the exclusive property of Arluna.ai and its licensors.

Our License to You

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable license to use the Services for your personal, non-commercial use.

Feedback

If you provide us with any feedback or suggestions regarding the Services, you grant us an unlimited, irrevocable, perpetual, sublicensable, transferable, royalty-free license to use such feedback for any purpose without compensation to you.

Trademarks

"Arluna.ai," the Arluna.ai logo, and any other Arluna.ai product or service names, logos, or slogans are trademarks of Arluna.ai and may not be copied, imitated, or used without our prior written permission.

THE SERVICES ARE PROVIDED “AS IS” AND “AS AVAILABLE” WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

We do not warrant that:

• THE SERVICES WILL MEET YOUR REQUIREMENTS;
• THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE;
• THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE SERVICES WILL BE ACCURATE OR RELIABLE;
• THE QUALITY OF ANY INFORMATION, CONTENT, OR OTHER MATERIAL OBTAINED THROUGH THE SERVICES WILL MEET YOUR EXPECTATIONS;
• ANY ERRORS IN THE SERVICES WILL BE CORRECTED.

NO ADVICE OR INFORMATION, WHETHER ORAL OR WRITTEN, OBTAINED BY YOU FROM US OR THROUGH THE SERVICES SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

IN NO EVENT SHALL ARLUNA.AI, ITS OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS, BE LIABLE TO YOU FOR ANY INDIRECT, INCIDENTAL, SPECIAL, PUNITIVE, OR CONSEQUENTIAL DAMAGES WHATSOEVER RESULTING FROM:

• YOUR ACCESS TO OR USE OF OR INABILITY TO ACCESS OR USE THE SERVICES;
• ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON THE SERVICES;
• ANY CONTENT OBTAINED FROM THE SERVICES;
• UNAUTHORIZED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT;
• ANY OTHER MATTER RELATING TO THE SERVICES.

OUR AGGREGATE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICES SHALL NOT EXCEED THE GREATER OF £100 OR THE AMOUNT YOU PAID US (IF ANY) IN THE LAST 12 MONTHS.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR THE LIMITATION OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES. ACCORDINGLY, SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

We may terminate or suspend your access to the Services immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach these Terms.

Upon termination, your right to use the Services will immediately cease. If you wish to terminate your account, you may simply discontinue using the Services or request account deletion through the app settings.

Effect of Termination

All provisions of these Terms which by their nature should survive termination shall survive termination, including, without limitation, ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

Upon termination, we will delete or anonymize your data in accordance with our Privacy Policy and applicable laws.

We reserve the right, at our sole discretion, to modify or replace these Terms at any time. We will provide notice of any changes by:

• Updating the "Last updated" date at the top of these Terms
• Sending an email to the address associated with your account
• Providing a notice through the App

Your continued use of the Services after any such changes constitutes your acceptance of the new Terms. If you do not agree to the new Terms, you must stop using the Services.

These Terms and your use of the Services shall be governed by and construed in accordance with the laws of the United Kingdom, without regard to its conflict of law provisions.

Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights. If any provision of these Terms is held to be invalid or unenforceable by a court, the remaining provisions of these Terms will remain in effect.

Dispute Resolution

Any disputes arising out of or relating to these Terms or the Services shall be resolved through:

1. Good faith negotiations between you and Arluna.ai
2. If negotiations fail, mediation conducted in London, United Kingdom
3. If mediation fails, binding arbitration conducted in London, United Kingdom

If you have any questions about these Terms, please contact us:

• By email: legal@arluna.ai
• By visiting our website: www.arluna.ai/contact
• By mail: Arluna AI Ltd, 123 Fintech Street, London, UK EC1A 1BB