Fluck App Terms of Service

Effective date: 14 July 2026

These Terms of Service ("Terms") form a legally binding agreement between you ("you", "your") and Fluck AI LTD, a company registered in England and Wales (Company No. 15723506), whose registered office is at the Innovation Centre, Knowledge Gateway, Boundary Road, Colchester, Essex, CO4 3ZQ, United Kingdom ("Fluck", "we", "us", "our").

They govern your access to and use of the Fluck consumer mobile application, and any related features, content and services we provide through it (together, the "App" or the "Service").

Please read these Terms carefully. They contain important provisions about what Fluck does and does not do, in particular that Fluck does not hold, store or move your money, and about the limits of our liability. If you do not agree to these Terms, you must not use the App.

1. Acceptance and eligibility

1.1 Acceptance

By creating a Fluck account, or by downloading, accessing or using the App, you confirm that you accept these Terms and agree to comply with them. If you are accepting these Terms on behalf of anyone else, you confirm you are authorised to do so.

1.2 Age requirement

The App is intended for users aged 16 or over. By using the App you confirm that you are at least 16 years old. If we learn that a person under 16 has created an account, we may suspend or delete that account.

1.3 Capacity

You confirm that you have the legal capacity to enter into these Terms and that you are not barred from using the App under the laws of England and Wales or any other applicable law.

1.4 Where the App is offered

The App is designed for use by people in the United Kingdom. We make no promise that the App, or any part of it, is appropriate or available for use in other locations. If you use the App from elsewhere, you do so on your own initiative and are responsible for compliance with local law.

2. Your account

2.1 Registering

To use most features you must create an account. You agree to provide accurate, current and complete information when you register and to keep it up to date.

2.2 Keeping your account secure

You are responsible for keeping your login credentials confidential and for all activity that takes place under your account. You must notify us promptly at hello@fluckai.com if you believe your account has been accessed without your authorisation.

2.3 One account per person

You may hold one personal account unless we agree otherwise. You must not share your account, transfer it, or let anyone else use it.

2.4 Our right to verify

We may, where reasonably necessary, ask you to verify your identity or details, for example to protect against fraud or misuse. We may restrict features until verification is complete.

3. What Fluck is — plain description of the Service

Fluck is a social planning and shared-money organiser. It helps groups of friends plan things together and keep track of shared spending. Core features include:

• Shared plans — create plans and events, invite people, and organise who is doing what.
• Group chat — message the people in your plans and groups.
• Bill-splitting — record a shared cost, split it between people, and keep a running record of who owes what. Fluck can send reminders about outstanding balances.
• Rewards and loyalty — earn points, stamps and cashback-style offers at participating partner brands (see clause 6).
• Documents vault — store documents relevant to your plans and shared arrangements.
• Calendar and planner — organise dates, reminders and events.

We may add, change or remove features over time (see clause 15).

4. Money and bill-splitting — important disclaimer

Please read this clause carefully. It explains what Fluck does and does not do with money.

4.1 We track — we do not hold or move money

Fluck's bill-splitting feature is a record-keeping and reminder tool only. When you record a shared cost, Fluck calculates and displays who owes what, keeps a running balance, and can send reminders to the people involved.

Fluck does not hold, store, receive, transmit or transfer any of your money. No funds ever pass through Fluck. We do not operate any wallet, account balance of real money, escrow, or payment mechanism.

4.2 You settle between yourselves

Any actual payment to settle a balance shown in the App happens directly between you and the other people involved, by your own chosen means (for example bank transfer, cash, or a third-party payment app). Fluck is not a party to those payments, does not facilitate them, and has no control over whether or when they happen.

4.3 The figures are a convenience, not an authority

Balances, splits and totals shown in the App are generated from the information you and other users enter. They are provided to help you keep track and are not a bank statement, an invoice, a demand for payment, or proof that any sum is legally owed. You are responsible for checking that entries are correct and for resolving any disagreement about who owes what directly with the other people involved.

4.4 Fluck is not a bank or financial institution

Because Fluck never holds or moves your money, Fluck is not a bank, e-money institution, payment institution or payment services provider, and does not require authorisation from the Financial Conduct Authority for the bill-splitting feature. Nothing in the App is deposit-taking, e-money issuance or a regulated payment service. We do not provide financial, tax, accounting or legal advice.

4.5 No responsibility for settlement

We are not responsible for, and give no guarantee about, whether any person pays what the App shows they owe, the timing of any payment, or any dispute between users about money. Recovering money owed to you is a matter between you and the other person.

4.6 Future money features

If we ever introduce a feature that does involve holding or moving money (for example moving cashback to a bank account), that feature will be subject to additional terms presented to you at the time and, where required, provided by an appropriately authorised provider. This clause 4 continues to apply to the bill-splitting tracking feature.

5. Third-party payment tools you may use

You may choose to use third-party services (such as your bank's app or a payment app) to settle balances. Those services are provided by the relevant third party under their own terms, not by Fluck. We do not endorse, control or accept responsibility for any third-party payment service, and any issue with such a service is between you and that provider.

6. Rewards and loyalty — the basics

6.1 Overview

The App may let you earn and use points, stamps and cashback-style offers at participating partner brands. Full details are set out in the separate Fluck Rewards Programme Terms, which form part of your agreement with us when you take part in rewards.

6.2 Key points

• Rewards have no cash value and are not exchangeable for money unless we expressly say otherwise.
• Rewards, offers and partners may change, be withdrawn or expire.
• Partner-brand offers are also subject to the partner's own terms.
• Rewards may be forfeited if they are earned or used through fraud, error or abuse.

If there is any conflict between these Terms and the Rewards Programme Terms in relation to rewards, the Rewards Programme Terms prevail for that subject matter.

7. Acceptable use and community standards

You must use the App lawfully and considerately. Your use is subject to our Community Guidelines & Acceptable Use policy, which forms part of these Terms and is incorporated by reference. Among other things, you must not harass others, post illegal or harmful content, impersonate anyone, send spam or scams, or misuse bill-splitting or rewards. Breaching those Guidelines is a breach of these Terms and may lead to suspension or termination (see clause 13).

8. Your content

8.1 Your content stays yours

"User Content" means anything you submit to or through the App, for example messages, plan details, bill entries, notes, and documents you upload to the vault. As between you and us, you retain ownership of your User Content.

8.2 Licence you give us

You grant Fluck a worldwide, non-exclusive, royalty-free licence to host, store, copy, transmit, display and process your User Content solely to the extent necessary to operate, maintain, secure and improve the App and provide the Service to you and the people you share it with. This licence lasts only as long as we hold the content to provide the Service, and ends when the content is deleted, except where we must retain a copy to comply with law or resolve disputes.

8.3 Your responsibility for content

You are responsible for your User Content and confirm that you have the rights to submit it and that it does not break the law or infringe anyone's rights. Do not upload content you are not entitled to share.

8.4 Sharing with others

When you share plans, messages, bill entries or documents with other users, you are choosing to disclose that information to them. We are not responsible for what other users do with information you choose to share with them.

8.5 Feedback

If you send us suggestions or feedback, you agree we may use them without restriction or obligation to you.

9. Third-party services and content

The App may link to, or work with, third-party services, websites, brands or content that we do not control (including partner brands and app-store services). We provide these for convenience and do not endorse or accept responsibility for them. Your dealings with any third party are between you and that third party and subject to their terms.

10. Intellectual property

The App, and all software, design, text, graphics, logos and other materials we provide (excluding User Content and third-party materials), are owned by or licensed to Fluck and are protected by intellectual property laws. We grant you a limited, personal, non-exclusive, non-transferable, revocable licence to use the App for your own personal, non-commercial use in line with these Terms. You must not copy, modify, distribute, sell, reverse-engineer or create derivative works from the App except as allowed by law. "Fluck" and our logos are our trade marks and may not be used without our permission.

11. Premium features, subscriptions and app-store billing

11.1 Free and premium

The core App is free to use. We may offer optional premium features on a paid subscription ("Premium").

11.2 Payment is handled by the app store

If you buy Premium through the Apple App Store or Google Play, payment is taken and processed by Apple or Google under their terms, not by Fluck. Your purchase is also subject to the relevant store's terms and payment rules.

11.3 Auto-renewal

Subscriptions renew automatically for the same period at the then-current price unless you cancel before the renewal date. The applicable price, billing period and renewal terms are shown at the point of purchase.

11.4 Cancelling

You can cancel a subscription at any time through your Apple App Store or Google Play account settings. Cancellation takes effect at the end of the current billing period, and you keep access to Premium until then. Because billing is handled by the store, refunds are generally managed by Apple or Google under their policies; this does not affect your statutory rights (see clause 16).

11.5 Price changes

We may change Premium prices for future billing periods. Where required, you will be told in advance and may cancel before the change takes effect.

12. Disclaimers and limitation of liability

12.1 Nothing in this clause removes protections you can't lawfully waive

Nothing in these Terms limits or excludes our liability for: death or personal injury caused by our negligence; fraud or fraudulent misrepresentation; any breach of the terms implied by the Consumer Rights Act 2015 that cannot lawfully be excluded; or anything else that cannot be limited or excluded under the law of England and Wales.

12.2 The App is provided "as is"

Subject to clause 12.1, and to the extent permitted by law, the App is provided on an "as is" and "as available" basis. We do not promise that the App will be uninterrupted, error-free, secure, or that it will meet your particular needs, and we give no warranties beyond those required by law.

12.3 What we are not responsible for

Subject to clause 12.1, we are not liable for:

• money owed between users, the accuracy of amounts you or others enter, or whether anyone pays what the App shows they owe (see clause 4);
• the acts, omissions or content of other users, partner brands or other third parties;
• loss or corruption of User Content, except to the extent caused by our failure to take reasonable care. You are responsible for keeping your own copies of important documents;
• events outside our reasonable control.

12.4 Cap on liability

Subject to clause 12.1, our total liability to you arising out of or in connection with these Terms and your use of the App, whether in contract, tort (including negligence), breach of statutory duty or otherwise, is limited to:

• for the free App: £100; and
• for Premium: the greater of £100 or the total amount you paid us (or via the app store for Fluck Premium) in the 12 months before the event giving rise to the claim.

12.5 Consumer use

The App is provided for personal, domestic use. We are not liable for any business losses (such as loss of profit, business, goodwill or opportunity) if you use the App for any commercial purpose.

13. Indemnity

If you use the App in breach of these Terms or unlawfully, you agree to reimburse us for reasonable losses, costs and expenses (including reasonable legal costs) we actually and reasonably incur as a direct result of that breach or unlawful use, and in dealing with any third-party claim arising from it. This clause does not apply to the extent the loss was caused by us, and nothing in it requires you to pay more than a court would award.

14. Suspension and termination

14.1 By you

You may stop using the App and close your account at any time (see clause 18).

14.2 By us

We may suspend, restrict or terminate your access to all or part of the App if: you breach these Terms or the Community Guidelines; we reasonably suspect fraud, abuse or unlawful use; or we are required to do so by law. Where it is reasonable and lawful to do so, we will give you notice and, for less serious matters, a chance to put things right first.

14.3 Effect

On termination, your right to use the App ends. Clauses that by their nature should survive (including clauses 4, 8.2, 10, 12, 13, 16 and 19) continue to apply. If you have paid for Premium, clause 16 explains your refund and cancellation rights.

15. Changes to the App and to these Terms

15.1 Changes to the App

We may change, add to, or remove features, or suspend or discontinue the App or any part of it, for reasons such as improving the Service, security, or legal compliance. Where a change materially reduces the Service and it is reasonable to give notice, we will do so.

15.2 Changes to these Terms

We may update these Terms from time to time. If a change is material, we will give you reasonable notice (for example in-app or by email) before it takes effect. If you do not agree to a change, you may stop using the App and close your account. Continuing to use the App after a change takes effect means you accept the updated Terms. Changes will not apply retrospectively to a dispute that has already arisen.

16. Your consumer rights

16.1 Statutory rights are unaffected

Nothing in these Terms affects your legal rights as a consumer under the Consumer Rights Act 2015 and other applicable UK consumer law, including that digital content we supply must be of satisfactory quality, fit for purpose and as described. Where digital content we supply is faulty, you may be entitled to a repair, replacement or a price reduction or refund. You can get free advice about your rights from Citizens Advice.

16.2 14-day cancellation for paid digital content

If you buy Premium (paid digital content), you normally have the right to cancel within 14 days of purchase for a refund under the Consumer Contracts Regulations 2013.

16.3 How that right ends once you access the content

By buying Premium and starting to use it within the 14-day period, you ask us to begin supply immediately and acknowledge that you lose the right to cancel once the digital content has been supplied (that is, once you have accessed or downloaded the Premium features). If you have not started using Premium, your 14-day cancellation right continues until the end of that period. This does not affect your rights if the content is faulty.

16.4 Refunds through the store

Because Premium is billed by Apple or Google, refunds are usually requested and processed through the relevant store under its policy. Where a store cannot assist and you are entitled to a refund under this clause or by law, contact us at hello@fluckai.com.

17. Complaints and contacting us

If something goes wrong, please contact us at hello@fluckai.com and we will try to resolve it. We aim to acknowledge complaints promptly and to resolve them fairly. If we cannot resolve a dispute, you keep all rights available to you at law, including access to the courts (see clause 19).

18. Deleting your account

You can delete your account from within the App or by contacting hello@fluckai.com. Deleting your account removes your access to the App. Some information may be retained where we are required to keep it by law or to deal with disputes, as explained in our Privacy Policy and Data & Account Deletion Policy. Shared content that other users have already received may remain visible to them.

19. Governing law and jurisdiction

These Terms, and any dispute or claim arising out of or in connection with them or your use of the App (including non-contractual disputes), are governed by the law of England and Wales. You and we agree that the courts of England and Wales have jurisdiction. If you live in another part of the UK, you may also bring proceedings in the courts of the part of the UK where you live, and the mandatory consumer-protection laws of that part continue to apply to you.

20. App-store terms (EULA)

20.1 Store terms apply

Your download and use of the App is also subject to the terms of the app store you obtained it from (the Apple App Store or Google Play), including the Apple Licensed Application End User Licence Agreement (Apple Standard EULA) and the Google Play Terms of Service. If there is any conflict between these Terms and the applicable store's rules about the store's own services, the store's rules apply to those services.

20.2 Apple-specific terms (App Store version)

For the App downloaded from the Apple App Store, you acknowledge that: these Terms are between you and Fluck only, not Apple, and Fluck (not Apple) is solely responsible for the App; Apple has no obligation to provide maintenance or support for the App; in the event of any failure of the App to conform to any applicable warranty, you may notify Apple and Apple may refund the purchase price (if any), and to the maximum extent permitted by law Apple has no other warranty obligation for the App; Fluck (not Apple) is responsible for addressing any claims relating to the App, including product-liability, non-conformity with law, and intellectual-property claims, to the extent required by these Terms; and you confirm you are not located in a country subject to a US Government embargo or designated as "terrorist-supporting", and are not on any US Government prohibited-parties list. Apple and its subsidiaries are third-party beneficiaries of these Terms and, on your acceptance, have the right to enforce these Terms against you as a third-party beneficiary in respect of the App obtained from the Apple App Store.

21. General

• Entire agreement. These Terms, together with the Community Guidelines, Rewards Programme Terms and Privacy Policy, are the entire agreement between you and us about the App.
• No waiver. If we do not enforce a right, that is not a waiver of it.
• Severance. If any part of these Terms is found unenforceable, the rest continues to apply.
• Assignment. You may not transfer your rights under these Terms. We may transfer ours to a company that takes over our business, provided your rights are not reduced.
• Third parties. Except as stated in clause 20.2 (Apple), no one other than you and us has any right to enforce these Terms.
• Contact. Fluck AI LTD, Innovation Centre, Knowledge Gateway, Boundary Road, Colchester, Essex, CO4 3ZQ, United Kingdom. Contact us by email at hello@fluckai.com or via the contact form at https://www.fluckai.com/contact.

By using the Fluck App, you confirm that you have read, understood and agree to these Terms.