Publication revision: 1.1.1-uk-20260922. Effective date: 22 September 2026. Current rollout is UK web and iOS; Android is deferred. Features described in these documents are not all enabled. Original-account and newer decision-record exports currently use separate controls. Closure and erasure requests require review across the original account, Firebase and providers; submission does not confirm completion. Your statutory rights are unchanged.
FLURZI COMMIT BUSINESS TERMS OF SERVICE Document key: BUSINESS_TERMS Version: 1.1.1-uk-20260922 Effective date: 22 September 2026 Provider: Flurzi Limited, company number 16640198, registered office at Suite G04 1 Quality Court, Chancery Lane, London, England, WC2A 1HR. Data protection registration: Flurzi Limited is registered with the UK Information Commissioner's Office (ICO) for data protection fee purposes. Registration reference: ZC201939. 1. Parties and acceptance 1.1 These Business Terms of Service (Business Terms) govern use of Flurzi Commit Business by the organisation identified when the Business workspace or Business Portfolio is created (Business Customer, Customer, you or your). 1.2 The contract is between the Business Customer and Flurzi Limited (Flurzi, we, us or our). A director, owner, administrator or other person accepting these Business Terms on behalf of a Business Customer confirms that they have authority to bind that organisation. 1.3 An ordinary employee, bookkeeper, viewer or invited user does not become personally liable for the Business Customer's subscription merely because they are a team member. A person who purchases a store subscription for the Business Portfolio acts on behalf of the Business Customer, subject to the store's own payment-account rules. 1.4 The Business Privacy Policy and Business Data Processing Agreement (DPA) form part of these Business Terms where applicable. 2. What Flurzi Commit Business is 2.1 Flurzi Commit Business is accounting, financial-management and decision-support software. Depending on plan and configuration it may provide a Business Financial Overlay, double-entry bookkeeping, chart of accounts, journals and general ledger, bank reconciliation, transaction classification, invoices, bills, customers, suppliers, receivables/payables, financial statements, Business Financial Twin, Can We?, Business commitments, Decision Memory, financial controls, forecasts, attention items, management reports and other business intelligence features. 2.2 Flurzi is software. It does not replace a chartered accountant, tax adviser, lawyer, auditor or other regulated professional where professional advice or assurance is required. 2.3 Flurzi is not a bank, payment account, card issuer, money transmitter or custodian under this service. Customer funds remain with the Customer's financial institutions. Flurzi does not hold, safeguard, transmit or convert Customer money through Flurzi Commit Business. 3. Business Portfolio, workspaces and subscription scope 3.1 Every Business workspace belongs to a Business Portfolio. The Business subscription is attached to the portfolio rather than to an individual workspace. 3.2 Current reference plan limits are: Business Start: 1 workspace and 1 seat; Business Growth: 1 workspace and up to 3 seats; Business Pro: 1 workspace and up to 10 seats; and Business Scale: up to 5 workspaces and up to 25 seats. 3.3 A seat is one distinct person with at least one active, non-revoked membership in a workspace within the portfolio. A person in several workspaces within the same portfolio counts as one seat. Active external-accountant access counts as a seat while active. 3.4 Business Scale portfolio views are management aggregation and cross-company insights. They are not statutory consolidated accounts, group accounts or a statutory consolidation engine. 4. Roles and authorised users 4.1 The service supports role-based permissions. The current standard roles are OWNER, DIRECTOR, FINANCE, BOOKKEEPER, VIEWER and ACCOUNTANT_EXTERNAL. 4.2 The Customer is responsible for deciding who should receive access and which role is appropriate. Flurzi enforces the role and permission model configured by the Customer and the service. 4.3 The Customer must promptly revoke or change access when a person leaves, changes role or no longer requires the relevant data. 4.4 External accountant access may be time-limited and audited. A role does not override portfolio seat limits or feature entitlements. 5. Customer authority and responsibilities 5.1 The Customer confirms that it has the legal right and authority to: create and operate the Business workspace; connect any financial account it instructs Flurzi to connect; provide opening balances, accounting records and business information; invite and manage authorised users; upload personal data and confidential information about employees, customers, suppliers, directors, contractors and other third parties; and instruct Flurzi to process Customer Content in accordance with the DPA. 5.2 The Customer is responsible for its own legal basis, notices and permissions for personal data it places in the Business workspace, except for processing for which Flurzi acts independently as controller. 5.3 The Customer must review configuration that affects accounting outputs, including reporting currency, accounting periods, chart of accounts, opening balances, classifications, tax codes, invoice settings, reserve targets, rules and approvals. 5.4 The Customer must not use Flurzi to create false accounting records, facilitate fraud, conceal unlawful transactions or breach applicable law. 6. Connected accounts, imports and source data 6.1 Where available, Flurzi uses a connected-account provider to receive financial account data at the Customer's instruction. The current build uses Plaid. 6.2 Connected data may be delayed, stale, incomplete, corrected or unavailable. The Customer remains responsible for reviewing reconciliation status and the completeness of information used for accounting and management decisions. 6.3 The Customer may also use manual accounts, manual transactions and statement/document imports. Flurzi may extract or classify information, but the Customer is responsible for reviewing mapping, categorisation and source accuracy before relying on the result. 6.4 Disconnecting a connected account does not delete immutable accounting records already generated from that data. Posted journals, completed reconciliations and payment allocations remain and must be corrected through the appropriate accounting route if they are wrong. 7. Accounting engine and posted records 7.1 Flurzi's accounting engine is designed around deterministic double-entry bookkeeping. Authoritative reports are generated from posted accounting records rather than from AI-generated figures. 7.2 Once a journal entry is posted, it is not edited or deleted through ordinary use. Corrections are made through reversal and, where necessary, a new corrected entry. Closed accounting periods are subject to restricted correction and reopening controls. 7.3 The Customer remains responsible for the underlying business records and for reviewing whether the accounting treatment is appropriate for its circumstances. 7.4 Flurzi may suggest classifications or matches. A suggestion is not a posted accounting fact until the deterministic posting process and Customer-configured rules permit it to become one. 8. Invoices, bills and statutory requirements 8.1 Flurzi provides a generic configurable invoice and bill engine. The Customer controls business identifiers, addresses, tax codes, numbering configuration and other required fields. 8.2 Flurzi does not promise that an invoice, bill or document automatically satisfies every statutory requirement in every country. The Customer must configure documents for its jurisdiction and obtain professional advice where needed. 8.3 Issuing an invoice, receiving a bill, recording a payment or posting an adjustment may create accounting entries. The Customer is responsible for reviewing the document and configuration before it is issued or posted. 9. Tax and reserve features 9.1 Flurzi may track operating, VAT, tax or other reserves against targets configured by the Customer. 9.2 The current service does not calculate statutory tax liability, does not select statutory tax rates for the Customer and does not guarantee tax accuracy. Tax rates and codes used by the accounting engine are Customer/workspace configuration unless a future separately specified tax module is introduced. 9.3 A tax reserve shortfall or simulation is a management indicator, not tax advice. The Customer remains responsible for tax filings, liabilities, registrations and professional advice. 10. Business intelligence, forecasts and simulations 10.1 Business Runway, Safe-to-Spend, Can We?, forecasts, concentration analysis, supplier exposure, collection intelligence, hiring/marketing/purchase/withdrawal simulations, anomaly detection and other outputs are decision-support models. 10.2 They depend on the quality, freshness and completeness of Customer data, assumptions, historical patterns and exchange rates. A projection or probability is not a guarantee of a future cash position, revenue, collection date, saving, return or business result. 10.3 The Customer remains responsible for business decisions. Flurzi does not approve expenditure, hire staff, make investments or withdraw funds on the Customer's behalf. 11. AI-assisted functionality 11.1 Deterministic engines calculate authoritative accounting and financial figures. An AI provider may help explain results, structure questions or draft narrative reports where AI processing is enabled. 11.2 AI output may be wrong or incomplete and must not be treated as the authoritative ledger, tax calculation, statutory filing or professional advice. 11.3 The Customer can use the available AI controls. Where AI processing is disabled, supported surfaces use deterministic template explanations instead. 12. Business Decision Memory and attribution 12.1 Flurzi may store assumptions, predictions, decisions and measured outcomes to help the Customer review forecast accuracy over time. 12.2 Where an outcome cannot be reliably attributed to a decision, Flurzi may mark it unmeasurable rather than manufacture an attribution. 12.3 Plan limits may control how far back Business Decision Memory is visible in-product without automatically deleting older retained history. 13. Plans and prices 13.1 Current UK reference monthly prices at the date of this version are: Business Start: £14.99 per month; Business Growth: £29.99 per month; Business Pro: £59.99 per month; and Business Scale: £99.99 per month. 13.2 The billing platform's checkout display is authoritative for the actual price, currency, applicable taxes and introductory charge for the purchase. 13.3 Paid Business plans are intended to offer an eligible first month at approximately 50% of the normal monthly price where the relevant platform supports the configured offer. 13.4 Flurzi permits no more than one Business-family first-month introductory offer per Flurzi user in their lifetime, subject also to store eligibility. Changing plan, cancelling and resubscribing, transferring workspaces or recreating a portfolio does not create a new Flurzi introductory entitlement. 14. Billing and automatic renewal 14.1 Paid Business subscriptions renew automatically for successive monthly billing periods until cancelled, unless checkout states otherwise. 14.2 Web subscriptions are generally managed through Stripe. iOS and Android purchases may be managed by Apple or Google, with RevenueCat used to synchronise verified purchase state. 14.3 The Business Customer is responsible for keeping billing contact and payment information current and for paying the charges displayed at checkout, together with applicable taxes shown or assessed by the billing platform. 14.4 If a payment fails or an entitlement expires, the service may enter a grace, read-only or lapsed state. Flurzi does not intentionally destroy Business accounting data solely because payment fails. 15. Upgrades, downgrades, seats and workspaces 15.1 Changes of plan take effect according to the billing platform's rules and the purchase information shown at the time of change. 15.2 A downgrade does not automatically delete workspaces, accounting history or membership records. Resources above the new plan's limit may become PLAN_LIMIT_READ_ONLY or PLAN_LIMIT_PAUSED until the Customer selects the permitted active workspaces, seats or connected accounts or upgrades again. 15.3 Read-only workspaces preserve historical accounting information but do not permit new postings while the restriction applies. 15.4 The Customer is responsible for choosing which resources remain active following a downgrade. Until the Customer chooses, Flurzi may preserve the most recently active permitted set and pause the excess according to the product rules. 16. Cancellation and termination of subscriptions 16.1 The Business subscription may be managed from the subscription area. If Apple or Google controls cancellation, Flurzi may direct the purchaser to the relevant official store-management flow. 16.2 We will not describe a subscription as cancelled until cancellation is confirmed. A cancellation may be confirmed for the end of the current paid period. 16.3 Business Customers do not receive consumer cooling-off rights merely because they purchase online. Any mandatory right that applies to a particular Business Customer by law remains unaffected. 16.4 Ending a subscription does not erase the Business Customer's accounting records. Export and closure are separate processes under section 24. 17. Confidentiality 17.1 Each party must keep the other party's confidential information confidential and use it only to perform or receive the service, except where disclosure is authorised or required by law. 17.2 Confidential information does not include information that is lawfully public without breach, was lawfully known without confidentiality restriction, is independently developed, or is lawfully obtained from another source without duty of confidence. 17.3 Each party may disclose confidential information to personnel, professional advisers and service providers who need it and are bound by appropriate confidentiality obligations. 18. Data protection and the DPA 18.1 For account administration, billing, security, fraud prevention, platform operations and Flurzi's own service-management purposes, Flurzi generally acts as controller of the relevant personal data. 18.2 For personal data contained in Business Customer Content that Flurzi processes on the Customer's documented instructions to provide the Business workspace, the Customer generally acts as controller and Flurzi acts as processor. The DPA applies to that processing. 18.3 The Customer must not instruct Flurzi to process personal data unlawfully. The Customer is responsible for providing required privacy information to its staff, customers, suppliers and other data subjects and for maintaining a lawful basis for its instructions. 19. Security 19.1 Flurzi maintains technical and organisational security measures appropriate to the nature of the service, including access controls, strong authentication, tenant/workspace isolation, encryption, secure key and secret management, audit logging, backup/recovery, monitoring, secure software development and restricted support access. 19.2 The Customer is responsible for managing its users, devices, role assignments, internal processes and credentials. The Customer must notify Flurzi promptly if it suspects compromise or unauthorised access. 19.3 No security system is infallible. The parties will cooperate reasonably in relation to genuine security incidents affecting Customer data. 20. Support access 20.1 Flurzi staff are not permitted to casually browse Business Customer data. Support access is purpose-limited, time-limited and audited. Sensitive access may require Customer/user approval and additional internal authorisation. 20.2 The Customer must not use support access as a substitute for its own internal access governance or professional accounting review. 21. Acceptable use 21.1 The Customer and its authorised users must not: use the service for illegal, fraudulent or deceptive activity; create or maintain false records for an unlawful purpose; upload malware or harmful code; attempt to defeat access controls, rate limits, entitlements or tenant isolation; scrape, reverse engineer or systematically extract the service except as permitted by law or an expressly provided interface; upload information without the necessary rights, notices or authority; use the service to infringe intellectual property or confidentiality rights; impersonate another person or business; or use AI features to solicit or expose unauthorised personal, confidential or proprietary information. 21.2 Flurzi may suspend affected access where reasonably necessary to protect security, other users, providers, legal compliance or service integrity. 22. Intellectual property and Customer Content 22.1 The Customer retains ownership of Customer Content and business records it provides, subject to third-party rights. 22.2 The Customer grants Flurzi a limited right to host, copy, process, transform, back up, display and transmit Customer Content as necessary to provide, secure, support and improve the service and to comply with law. 22.3 Flurzi and its licensors retain ownership of the software, product architecture, algorithms, user interface, documentation and other Flurzi intellectual property. 22.4 Nothing in these Business Terms transfers ownership of the Customer's financial or accounting records to Flurzi. 23. Third-party services and availability 23.1 Flurzi depends on providers for connected-account data, billing, app distribution, cloud infrastructure, translation, communications, security and optional AI processing. 23.2 We do not guarantee uninterrupted availability of a bank, provider or integration outside our control. Flurzi is designed to degrade honestly, preserve existing data where appropriate and use fallback functionality where specified. 23.3 We may perform maintenance, emergency security work or changes required by law or provider contracts. We will use reasonable efforts to minimise material disruption. 24. Business export, closure and ownership transfer 24.1 An OWNER or DIRECTOR can request an unmetered raw Business workspace export containing the Customer's accounting and workspace data within the scope defined by the product. 24.2 Formatted reports and accountant packs are product features and may be subject to plan entitlements or usage limits. They are separate from the raw Business data export. 24.3 A personal user who owns a Business Portfolio cannot erase the Business Customer's records by deleting their own login. Before the owner leaves, ownership and billing responsibility must be transferred to an authorised person who accepts, or the Business Portfolio must be explicitly closed. 24.4 On Business Portfolio closure, Flurzi will offer the applicable export route and then apply the DPA, retention and legal-hold rules. Posted accounting and audit records may need to be retained where required by applicable law or legitimate record-keeping obligations. 25. Warranties and disclaimers 25.1 Flurzi will provide the service with reasonable care and skill appropriate to a business software service. 25.2 Except as expressly stated in these Business Terms, and to the maximum extent permitted by law, the service is provided without any warranty that a forecast, probability, classification, tax reserve, cash-flow outcome, collection date, business decision or external provider connection will achieve a particular result. 25.3 The Customer is responsible for professional accounting, audit, tax, legal, insolvency, regulatory and financial advice where required. Flurzi does not warrant that generic invoice templates, tax configuration or management reports satisfy every statutory requirement in every jurisdiction. 26. Liability 26.1 Nothing in these Business Terms excludes or limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot lawfully be excluded or limited. 26.2 Subject to section 26.1, neither party is liable to the other for indirect or consequential loss, loss of goodwill, or loss of anticipated savings. Flurzi is not liable for lost profit, revenue or business opportunity except to the extent such exclusion is prohibited by law or the loss is an expressly recoverable direct loss under these Business Terms. 26.3 Subject to section 26.1, Flurzi's aggregate liability arising out of or in connection with the service in any 12-month period will not exceed 100% of the total fees paid or payable by the Business Customer to Flurzi for the affected Business service during the 12 months immediately preceding the event giving rise to the claim. 26.4 The liability cap in section 26.3 is the approved commercial cap for this version of the Business Terms. It remains subject to final legal review for enforceability in the launch markets, but no further commercial value is required from engineering. 26.5 The limitations in this section apply only to the extent they are reasonable and enforceable under applicable law. 27. Customer indemnity 27.1 The Customer will indemnify Flurzi against third-party claims, regulatory costs and reasonable losses to the extent they arise from the Customer's unlawful Customer Content, lack of authority to provide data or connect an account, infringement of a third party's rights, or material breach of sections 5, 18 or 21. 27.2 Flurzi must notify the Customer of a covered claim promptly, allow reasonable participation in the defence and take reasonable steps to mitigate loss. The Customer is not responsible to the extent the claim was caused by Flurzi's own breach or unlawful conduct. 28. Suspension and termination 28.1 Flurzi may suspend access where reasonably necessary because of a material breach, non-payment after applicable recovery steps, serious security risk, suspected fraud, unlawful use or legal requirement. 28.2 Where appropriate, Flurzi will provide notice and a reasonable opportunity to cure a remediable breach. Immediate action may be taken where delay would create a security, fraud or legal risk. 28.3 Either party may terminate for a material breach that is not remedied within a reasonable written cure period, or immediately for an irremediable material breach, insolvency event where permitted, or where continued service would be unlawful. 28.4 Termination does not affect accrued payment obligations, confidentiality, intellectual property, liability, data protection, audit or provisions intended to survive. 29. Changes to the service and Business Terms 29.1 Flurzi may update the service and these Business Terms for legal, security, provider, product or operational reasons. 29.2 We will give reasonable advance notice of a material adverse change where practicable. We will not use a general change clause to retrospectively rewrite amounts already due or remove a mandatory legal right. 29.3 Material changes may require the Business Customer's authorised representative to accept a new version before continued use. 30. General 30.1 Notices. Contractual notices may be delivered to the billing or account email held for the Business Customer, through the service, or to hello@flurzimobileapp.co.uk for notices to Flurzi, unless law requires another method. 30.2 Assignment. The Customer may not assign the contract without Flurzi's prior written consent, not to be unreasonably withheld for a genuine corporate reorganisation. Flurzi may assign the contract as part of a merger, reorganisation, financing or sale of the relevant business, subject to applicable law and data-protection obligations. 30.3 No partnership or agency. Except for an authorised representative accepting on behalf of the Business Customer, these Business Terms do not create a partnership, joint venture, employment or fiduciary relationship. 30.4 Severability. If a provision is unenforceable, the remainder continues in effect and the affected provision is interpreted or reduced only as far as necessary. 30.5 Waiver. A failure to enforce a right is not a waiver of that right. 30.6 Entire agreement. These Business Terms, the DPA, the Business Privacy Policy, the applicable order/checkout information and any expressly incorporated schedule form the agreement for Flurzi Commit Business and replace prior discussions about the same subject matter, except in the case of fraud. 31. Governing law and courts 31.1 These Business Terms and any non-contractual obligations arising from them are governed by the law of England and Wales. 31.2 The courts of England and Wales have exclusive jurisdiction over disputes between Flurzi and a Business Customer, subject to any mandatory law that cannot be contracted out of. 32. Contact Flurzi Limited Company number 16640198 Registered office: Suite G04 1 Quality Court, Chancery Lane, London, England, WC2A 1HR Business support: hello@flurzimobileapp.co.uk Privacy: privacy@flurzicommit.com