Terms of Use

Effective August 15, 2026

1. Agreement to Terms

These Terms of Use ("Terms") are a legal agreement between you and Apps4Households, a sole proprietorship and the operator of Vylo ("Vylo," "we," "our," or "us").

They govern your use of our web and mobile applications, websites, and related services (collectively, the "Services").

If you do not agree to these Terms, do not use the Services.

2. Eligibility

You must be at least 18 years old and legally able to enter into a binding contract to use the Services.

You represent that all information you submit is accurate and complete.

3. Your Account

You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account.

You agree to:

• keep your account information current;
• promptly notify us of unauthorized account activity; and
• use reasonable security practices on your own devices.

We may require additional verification steps, including multi-factor authentication.

4. Household Access and Authorized Users

If you invite household members to your account, they may be able to view and update shared financial information according to the permissions we provide.

You are responsible for ensuring you trust anyone you invite and understand the visibility that accompanies shared access.

5. Financial Data Connections

Our Services may allow you to connect financial accounts through third-party providers, including Plaid and Quiltt (including Quiltt's Finicity by Mastercard connectivity integration).

By connecting accounts, you authorize us and our service providers to retrieve and process your account and transaction data to provide the Services.

We do not receive or store your bank login credentials directly when you connect accounts through provider-hosted connection flows.

6. Third-Party Financial Data Providers

Vylo relies on third-party providers, including Plaid and Quiltt (including Quiltt's Finicity by Mastercard connectivity integration), to access financial account data.

By connecting an external account, you acknowledge and agree that:

• data access is subject to the terms and privacy policies of the applicable financial institution and connectivity provider;
• Apps4Households does not control the availability or accuracy of third-party data; and
• temporary interruptions, delays, or inaccuracies in financial data may occur.

7. Permitted Use

You may use the Services only for your personal, non-commercial use unless we expressly agree otherwise in writing.

You agree not to:

• violate any applicable law;
• attempt to gain unauthorized access to systems or accounts;
• interfere with or disrupt the Services;
• reverse engineer or attempt to extract source code except where prohibited by law;
• scrape or harvest data from the Services at scale; or
• use the Services to build competing products through automated extraction.

8. No Financial, Investment, Tax, or Legal Advice

The Services are informational tools to help organize and understand financial data.

Vylo is not a bank, broker, lender, credit bureau, or investment adviser.

Nothing in the Services constitutes financial, investment, tax, legal, or accounting advice.

Vylo uses built-in rules to organize transactions. If the person who connected a financial account explicitly allows it, Vylo may also use OpenAI to help select an existing Vylo category. The only information from your account that OpenAI receives for this feature is one cleaned, provider-classified commercial merchant label. It does not receive transaction amounts, original bank descriptions, account or card details, personal contact information, budgets, or financial snapshots. Built-in categorization and manual review remain available if that person declines or withdraws consent.

Automated and optional OpenAI-assisted categorization may be incomplete or inaccurate. It is designed to organize information, not to make financial decisions for you or guarantee accuracy.

You are responsible for your own decisions and should consult qualified professionals where needed.

9. Service Changes and Availability

We may modify, suspend, or discontinue any part of the Services at any time.

We aim for high availability but do not guarantee uninterrupted or error-free operation.

10. Fees and Billing

Vylo offers paid subscription features. We present the applicable price, billing period, introductory-offer terms, and renewal terms before purchase.

Web subscriptions are processed through Stripe. App Store subscriptions are processed by Apple and are also subject to Apple's terms, billing rules, refund rules, and subscription management controls.

For eligible new App Store subscribers, Vylo currently offers a paid introductory first month for CAD $1.99 in Canada or USD $1.99 in the United States, followed by CAD $6.99 or USD $6.99 per month, respectively. This is not a free trial. Apple determines introductory-offer eligibility. Prices, taxes, and eligibility are shown in the purchase flow and may change as permitted by Apple and applicable law.

App Store payment is charged to your Apple Account when you confirm the purchase. The subscription renews automatically unless you cancel it at least 24 hours before the end of the current billing period. Apple may charge your account for renewal within 24 hours before that period ends. You can manage or cancel an App Store subscription through your Apple Account subscription settings. Cancellation generally takes effect at the end of the current paid period. App Store refund requests are handled by Apple under its policies and applicable law.

Web subscription prices, introductory offers, renewal terms, and taxes are shown before checkout. Web subscriptions are managed through Vylo on the web. App Store subscriptions are managed through Apple. Deleting your Vylo account does not automatically cancel an App Store subscription; cancel it through Apple to prevent future renewal charges.

Subscriptions may apply at the household level. If your household uses a paid plan, access may depend on the household billing owner, subscription state, introductory-offer eligibility, payment status, cancellation status, and the platform where the subscription was purchased.

Unless stated otherwise, fees are non-refundable except where required by law.

You are responsible for applicable taxes and for keeping payment information current. If payment fails, an introductory period ends, a subscription expires, or a purchase cannot be verified, some paid features may be limited or unavailable.

11. Termination

You may stop using the Services at any time.

We may suspend or terminate access if you violate these Terms, pose security or legal risk, or where required to protect users or the Services.

You may request account deletion through the Services where available. Once Vylo records a recoverable deletion request, we may disable account access while we complete provider disconnection, billing cleanup, legal retention checks, and deletion or de-identification of account data. Operational cleanup is scheduled to complete within 7 calendar days, and we email the account address when deletion is complete. Certain minimized security, tax, accounting, dispute, fraud-prevention, or legally required records may be retained as permitted by law.

Certain provisions survive termination.

12. Intellectual Property

The Services, including software, branding, and content (excluding your submitted data), are owned by Apps4Households or its licensors and protected by law.

We grant you a limited, revocable, non-transferable license to use the Services under these Terms.

13. Privacy

Your use of the Services is also governed by our Privacy Policy.

14. Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE."

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, APPS4HOUSEHOLDS AND ITS AFFILIATES WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.

OUR TOTAL LIABILITY WILL NOT EXCEED THE GREATER OF:

• (A) USD $100, OR
• (B) THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM.

Some jurisdictions do not allow certain limitations of liability, so some of the above limitations may not apply to you.

16. Indemnification

You agree to indemnify and hold harmless Apps4Households and its affiliates from claims arising from your misuse of the Services or violation of these Terms.

17. Governing Law

These Terms are governed by the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict-of-law principles, except where mandatory law requires otherwise.

18. Changes to These Terms

We may update these Terms from time to time.

Continued use after updates become effective means you accept the updated Terms.

19. Contact

Apps4Households
support@myvylo.com