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 PERSONAL TERMS OF SERVICE Document key: PERSONAL_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. About these Terms 1.1 These Personal Terms of Service (the Terms) form a contract between you and Flurzi Limited (Flurzi, we, us or our) when you create or use a Flurzi Commit Personal account, use the Personal workspace, or buy a Personal subscription. 1.2 Flurzi Commit is a financial intelligence and commitment-planning service. It is designed to help you organise financial information, understand commitments and goals, model possible decisions and review how your financial position changes over time. 1.3 These Terms apply to the Personal service on our website, iOS app, Android app and any other customer interface through which we make Flurzi Commit Personal available. If you also use Flurzi Commit Business, the Business Terms apply separately to your Business workspace. 1.4 Our Privacy Policy explains how we use personal data. Accepting these Terms creates a contract; it is not consent for optional marketing, optional analytics, AI processing or data sharing. Those choices are handled separately where applicable. 2. Eligibility and your account 2.1 You must be at least 18 years old and legally capable of entering into a contract to open a Personal account. If the law where you live requires a higher age for this service, that higher age applies. 2.2 You must provide information that is accurate enough for us to provide and secure the service. You must not create an account using another person's identity or provide financial information that you are not entitled to use. 2.3 You are responsible for keeping your sign-in details, devices, recovery codes and authentication methods secure. You must tell us promptly at hello@flurzimobileapp.co.uk if you believe your account or device has been compromised. 2.4 We may require multi-factor or step-up authentication for sensitive actions, including connecting or disconnecting financial accounts, changing security credentials, sharing sensitive financial information, exporting data or deleting your account. 3. What Flurzi Commit Personal provides 3.1 Depending on your plan, country, connected-data availability and configuration, Personal may include Financial Overlay, Financial Capacity, Financial Twin, commitments, goals and Goal Probability, Can I?, Safe-to-Commit, Commit Guard, Financial Constitution, Decision Memory, Financial Replay, Commit Score, Cash Runway, Minimum Viable Life, Income Intelligence, Spend Weather, debt modelling, Migration Mode, Global Money Passport, multi-currency features, Freelancer Mode, Household/Family Mode, statement import and manual financial data. 3.2 Features, limits and availability vary by plan and country. The current pricing and feature matrix shown in the product before purchase forms part of the description of your subscription. 3.3 Some features need sufficient historical information before they can produce a useful result. Where data is missing, stale or unreliable, Flurzi may return a range, a partial result or an insufficient-data message instead of a figure. 4. Flurzi is not a bank and does not hold your money 4.1 Flurzi Commit is software. Flurzi is not a bank, stored-value wallet, card issuer, money transmitter or custodian of customer funds through the service described by these Terms. 4.2 Your banks and other financial institutions continue to hold your money. Flurzi does not hold, safeguard, transmit, pay out or convert customer money through the Personal service. 4.3 A goal allocation, reserve, earmark or amount shown as set aside in Flurzi is a virtual planning allocation unless the product expressly identifies a separate external account. Flurzi cannot stop you from spending money held at your bank. 5. Connected financial accounts 5.1 Where available, Flurzi lets you connect supported financial accounts through our connected-account data provider. Our current build uses Plaid for this purpose. The provider's own terms and privacy information may also apply to the connection flow. 5.2 By starting a connection, you authorise the relevant provider and Flurzi to obtain and use the financial account information you select for the purposes described in the service and Privacy Policy. Flurzi does not receive your online-banking password through the normal provider connection flow. 5.3 Connected data is not guaranteed to be live or real-time. Institutions may delay, omit, correct or temporarily stop data. A connection may expire, require re-authentication or become unavailable. Flurzi displays freshness information so you can judge the data being used. 5.4 You may disconnect a connected account through the service. When you do, Flurzi stops future ingestion for that connection and removes the provider access credential once it is no longer needed. You may be asked whether to keep or delete previously imported Personal history, subject to legal retention obligations. 5.5 If automatic connection is unavailable, you may still use supported manual-account and statement-import features. Automatic bank coverage is not guaranteed in every country or for every institution. 6. Manual data, statements and your responsibility for inputs 6.1 You may enter balances, transactions, income, spending assumptions, commitments, debt terms, goals and other information manually, and may upload supported statement or document formats. 6.2 You are responsible for checking information you enter, mappings you approve and assumptions you choose. Flurzi may detect duplicates, suggest categories or extract information from documents, but those processes may be incomplete or wrong. 6.3 You must not upload malicious files, unlawful material, information you have no right to use, or personal data about another person unless you have a lawful basis and appropriate authority to provide it. 6.4 Flurzi may reject, quarantine or refuse to parse files that fail security, type, size or reliability checks. 7. Financial intelligence, modelling and forecasts 7.1 Flurzi produces decision-support outputs from the information available to it. These may include Financial Capacity, Can I?, Safe-to-Commit, runway, goal probabilities, forecasts, Commit Guard warnings, debt scenarios and other projections. 7.2 These outputs are estimates and models, not guarantees. They may be affected by incomplete or stale account data, categorisation, user-entered assumptions, irregular income, future transactions, exchange rates, unexpected events and statistical uncertainty. 7.3 A probability is not a promise that an outcome will happen. A forecast is not a promise of a future balance. A Safe-to-Commit or Financial Capacity figure is not a guarantee that spending or borrowing is affordable in every circumstance. 7.4 Where a required exchange rate is unavailable, Flurzi may suppress a converted total or return a partial result rather than invent a rate. Historical or future scenario values may depend on explicitly disclosed rate assumptions. 7.5 You remain responsible for your financial decisions. You should review important inputs and, where appropriate, seek advice from a suitably qualified professional. 8. No regulated professional advice 8.1 Unless we expressly state otherwise for a separately authorised feature, Flurzi Commit Personal provides software, information and modelling tools. It does not provide personalised investment, lending, tax or legal advice and does not act as your fiduciary, financial adviser, lender, accountant or lawyer. 8.2 Debt Freedom and similar tools model different approaches using the information available. They do not tell you which regulated financial product to buy and do not invent missing interest rates. 8.3 If you need advice about credit, debt, tax, investments, insolvency, legal rights or another regulated matter, obtain advice from an appropriately qualified adviser. 9. AI-assisted explanations 9.1 Flurzi uses deterministic engines to calculate authoritative financial figures. An AI provider may be used to structure a question or explain already-calculated results in natural language when you enable AI processing. 9.2 AI-generated explanations may contain mistakes, omissions or awkward wording. Important amounts are designed to come from Flurzi's structured financial facts rather than being invented by the AI, but you should still review important output and the underlying provenance. 9.3 Where the product supports it, you can turn AI processing off. Flurzi will use deterministic template explanations instead. Turning AI off does not remove the underlying deterministic financial functionality that is available on your plan. 9.4 We minimise the information sent to an external AI provider and apply the production data-processing settings and contractual protections available to us. Further information is in the Privacy Policy and AI controls in the Privacy Centre. 10. Commit Score and credit-related features 10.1 Commit Score is a Flurzi financial-behaviour measure and is not a credit bureau score. 10.2 Commit Score is not produced by Experian, Equifax or TransUnion, is not represented as being recognised by them, and does not guarantee or promise any improvement to an external credit score or access to credit. 10.3 Credit reporting or Credit Recognition is not a current core feature unless the service expressly shows that an approved provider relationship is live for your country and you complete the separate eligibility, disclosure and authorisation process. A subscription tier alone does not activate credit reporting. 11. Household, sharing and Money Passport 11.1 Household/Family Mode is private by default. Account balances, transactions, income, Financial Capacity, Commit Score and private goals are not shared with another household member unless the required permission is granted. 11.2 You control the field groups you share and can revoke your own sharing for future access. Leaving a household stops future visibility, although historical contributions to a shared goal may remain part of that shared goal's history. 11.3 A Global Money Passport or other share link is not a credit credential or externally recognised financial passport. If you create a share link, you choose the sections to disclose. Share links may be time-limited, revocable and single-use. You are responsible for choosing the intended recipient and reviewing the information before sharing. 12. Plans, prices and introductory offers 12.1 The current UK reference monthly prices at the date of this version are: Free: £0; Personal: £3.99 per month; Personal Pro: £10.99 per month; and Personal Max: £20.99 per month. 12.2 The actual price shown by the billing platform for your currency and storefront at checkout is the price that applies. Applicable taxes, if any, are shown or handled by the relevant billing platform. 12.3 Paid Personal plans are intended to offer an introductory first month at approximately 50% of the normal monthly price where you are eligible and the relevant platform supports the configured offer. The exact introductory charge is the amount shown by Stripe, Apple or Google at checkout. 12.4 A Flurzi user is eligible for no more than one Personal-family first-month introductory offer in their lifetime, subject also to the store's own eligibility rules. Changing plan, cancelling and resubscribing, or recreating a workspace does not create a new Flurzi Personal introductory entitlement. 12.5 Before you confirm a paid subscription, we will show the first charge, recurring price, billing period and how the subscription renews. 13. Automatic renewal and payment 13.1 Paid plans renew automatically for successive monthly periods until cancelled, unless the checkout states otherwise. 13.2 Web subscriptions are generally billed through Stripe. iOS subscriptions are generally billed through Apple's App Store. Android subscriptions are generally billed through Google Play. RevenueCat may be used to synchronise verified purchase state across platforms. 13.3 Your payment contract with an app store may be subject to the store's terms in addition to these Terms. Store billing, taxes, payment methods and refund processing may be controlled by that store. 13.4 If payment fails, access may enter a grace, read-only or lapsed state after any applicable billing recovery period. We will not intentionally remove historical data solely because a payment fails or a subscription is downgraded. 14. Upgrades, downgrades and plan limits 14.1 Upgrades and downgrades take effect in accordance with the billing platform's rules and the purchase information shown to you. 14.2 Downgrading does not automatically delete your Personal financial history. Where your new plan has a lower limit, items above that limit may become read-only or stop actively syncing while remaining visible. You may be asked to choose which permitted connections or resources remain active. 14.3 Decision Memory plan limits control how much history is available in the in-product Decision Memory interface; they do not silently destroy older decisions. Older retained history remains subject to the ordinary Privacy Policy, export and erasure rules. 14.4 Features described as unlimited may remain subject to reasonable technical and abuse protections. We will not use fair-use controls as a hidden ordinary usage cap. 15. Cancellation, cooling-off and refunds 15.1 You may start cancellation from the subscription area in Flurzi. Where your subscription is managed by Apple or Google, Flurzi may need to send you to the official store-management flow. We will not tell you a subscription is cancelled until cancellation is actually confirmed. 15.2 A confirmed cancellation may take effect at the end of your paid period unless the billing platform or applicable law provides otherwise. You can continue to use paid access until the confirmed end date where the platform allows it. 15.3 UK consumer cancellation rights. If you are a UK consumer entering a distance contract, you may have a statutory 14-day right to cancel. Where you expressly ask us to begin providing a service immediately during that period, and the law permits it, you may have to pay a proportionate amount for the service already supplied if you cancel. If a particular feature is treated as digital content and the law permits loss of the cancellation right after immediate supply, we will obtain the required express consent and acknowledgement before supply. Nothing in these Terms removes a statutory cancellation right you have. 15.4 Refund requests for App Store or Google Play purchases may need to be handled by the relevant store. Web purchases may be handled by Flurzi or Stripe according to the circumstances. Store rules do not remove rights you have under mandatory consumer law. 15.5 If the service is not provided with the standard required by applicable consumer law, you may have rights to repeat performance, a price reduction, refund or other remedy. These Terms do not restrict those rights. 16. Acceptable use 16.1 You must not use Flurzi Commit to: break the law, facilitate fraud or deceive another person; access or attempt to access another person's or business's data without authority; upload malware, malicious code or harmful files; probe, attack, overload or bypass security, rate limits, subscriptions or entitlement controls; scrape or systematically extract the service except through an interface we expressly provide; impersonate another person or falsify financial records for an unlawful purpose; misuse AI features to obtain or disclose unauthorised personal or confidential information; or interfere with the service or another user's use of it. 16.2 We may investigate suspected misuse and may restrict or suspend affected functionality where reasonably necessary to protect users, Flurzi, providers or the integrity of the service. 17. Your data and intellectual property 17.1 You keep ownership of information and content you provide to Flurzi, subject to rights belonging to other people. 17.2 You give Flurzi a limited, non-exclusive right to host, copy, process, transform and display that information only to operate, secure, support and improve the service as described in these Terms and the Privacy Policy. 17.3 Flurzi and its licensors own the software, designs, interfaces, algorithms, product names, documentation and other intellectual property in the service, excluding your data. You may use the service only for your own lawful Personal use under these Terms. 18. Third-party services 18.1 Flurzi relies on third parties for functions such as connected-account data, billing, app distribution, cloud infrastructure, translation, communications and AI processing. Their availability can affect Flurzi. 18.2 We are responsible for choosing and managing our service providers as required by law, but we cannot guarantee that an external bank, app store or provider will be continuously available or that it will never change its service. 18.3 Where a third party has a direct relationship with you, its terms may apply alongside these Terms. 19. Availability and changes to the service 19.1 We aim to provide a reliable service, but we do not promise uninterrupted or error-free availability. Maintenance, security work, provider outages, institution downtime, internet failures and events outside our reasonable control may affect availability. 19.2 We may improve, replace or retire features. If a change materially reduces a paid core feature during an active billing period, we will provide reasonable notice where practicable and will not use these Terms to remove mandatory consumer remedies. 19.3 We may change prices prospectively. Any price change will be communicated through the applicable billing channel and will not be applied contrary to mandatory notice or consent requirements. 20. Suspension and termination 20.1 We may suspend or restrict an account where reasonably necessary because of a serious security risk, suspected fraud, unlawful use, material breach of these Terms, abuse of infrastructure, or a legal requirement. 20.2 Where appropriate, we will explain the reason and provide a route to resolve the issue. We may act without advance notice where notice would create a security, fraud or legal risk. 20.3 You may close your Personal account through the account-closure process. Closing your Flurzi account and cancelling an app-store subscription are separate actions where the store requires you to manage the subscription. 20.4 If you also own or administer a Business Portfolio, your Personal account cannot be fully closed in a way that destroys company records. You must first transfer ownership/billing responsibility or explicitly close the Business Portfolio under the Business flow. 21. Our responsibility to consumers 21.1 Nothing in these Terms excludes or limits liability where it would be unlawful to do so, including liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or rights and remedies that cannot lawfully be excluded. 21.2 If we fail to comply with these Terms, we are responsible for loss or damage that is a foreseeable result of our breach of contract or failure to use reasonable care and skill. We are not responsible for loss that was not foreseeable when the contract was made, except where the law says otherwise. 21.3 Flurzi Commit Personal is supplied for personal and domestic use. If you use it for a trade or business contrary to these Terms, we are not responsible for business losses such as loss of profit, revenue, business opportunity or goodwill to the extent the law permits. 21.4 We are not responsible for a financial outcome merely because you chose to act on a projection or scenario. This does not excuse us from responsibility for supplying the service with the care, skill and conformity required by law. 22. Complaints and support 22.1 For service, billing or contractual complaints, contact hello@flurzimobileapp.co.uk. We will maintain a reasonable internal complaints process and aim to respond clearly and without unnecessary delay. 22.2 Privacy complaints are handled under the Privacy Policy and can be sent to privacy@flurzicommit.com. 23. Changes to these Terms 23.1 We may update these Terms for legal, regulatory, security, provider, product or operational reasons. 23.2 Where a change materially affects your rights or obligations, we will provide reasonable advance notice where practicable. If the law requires fresh agreement, we will ask you to accept the new version before the affected service continues. 23.3 The version and effective date shown at the top identify the Terms that apply. We retain acceptance records for contract administration and audit. 24. Governing law 24.1 These Terms are governed by the law of England and Wales. 24.2 If you are a consumer resident elsewhere, you retain any mandatory protections that the law of your habitual residence gives you and that cannot lawfully be excluded by this clause. 24.3 You may bring proceedings in the courts available to you under applicable consumer law. Nothing in this clause is intended to force a consumer to give up a mandatory local right. 25. Contact Flurzi Limited Company number 16640198 Registered office: Suite G04 1 Quality Court, Chancery Lane, London, England, WC2A 1HR Customer support: hello@flurzimobileapp.co.uk Privacy: privacy@flurzicommit.com