Fluck Terms of Service

Effective date: 2026-04-15 Last updated: 2026-05-17

These Terms of Service ("Terms") govern your use of the Fluck mobile application, website, and related services (together, the "Service"), operated by Fluck AI Ltd (Companies House no. 15723506), a company registered in England and Wales with its registered office at Innovation Centre, Knowledge Gateway, Boundary Road, Colchester, Essex, CO4 3ZQ, United Kingdom ("Fluck", "we", "us").

By creating an account or using the Service you agree to these Terms. If you don't agree, don't use the Service.

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1. Who can use Fluck

You must be 16 years or older to use the Service. By signing up you confirm that you are at least 16 and that the information you provide is true and accurate.

You must provide a valid email address or phone number and keep it up to date. You are responsible for maintaining the confidentiality of your password.

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2. What Fluck is and isn't

Fluck is a social expense-sharing tool. It helps you:

• Track informal IOUs between friends, flatmates and groups
• Split shared bills proportionally, evenly, by item, or by custom rule
• Share calendar events and notes with groups
• Send and receive reminders about pending payments

Fluck is not:

• A bank, payment processor, lender, or remittance service
• A tax, accounting, legal, or financial advisor
• A licensed money-transmission service — Fluck does not hold, move, or settle funds on your behalf

Any recorded balance inside Fluck is a personal memorandum between you and the other users you share bills with. Settlements happen outside the app via whatever method you choose.

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3. Your account

You are responsible for everything that happens under your account. Notify us immediately at security@fluckai.com if you suspect unauthorised access.

You may close your account at any time — see section 9 of our Privacy Policy.

We may suspend or terminate your account if you:

• Violate these Terms
• Use the Service to harass, defraud, or harm others
• Attempt to abuse, reverse-engineer, or overload the Service
• Create fake accounts or use the Service to impersonate someone

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4. Your content

You keep all ownership of the content you post (group names, messages, receipt images, calendar entries, notes — collectively "Your Content").

You grant Fluck a limited, worldwide, royalty-free licence to host, display, and transmit Your Content solely for the purpose of providing the Service to you and the group members you share it with. We do not use Your Content for advertising or for training third-party AI models.

You represent that you have the rights to upload Your Content and that it does not infringe anyone else's rights.

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5. What you must not do

You agree not to:

• Use the Service to harass, stalk, threaten, or defame any person
• Upload unlawful, infringing, or deceptive content
• Attempt to gain unauthorised access to the Service, other users' accounts, or our systems
• Interfere with the normal operation of the Service (e.g. scraping, bots, denial-of-service)
• Use the Service for regulated financial activities we are not licensed for
• Use the Service in a way that violates applicable law (UK, EU, or your local jurisdiction)

We may remove content or suspend accounts that breach these rules.

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6. Notifications

We send operational notifications (push, email, in-app) related to account security, account activity, and payment reminders. These are part of the Service and cannot be disabled without removing the corresponding feature.

You can manage promotional notifications from the app's Settings → Notifications screen.

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7. Third-party services

Fluck integrates with third-party processors (Firebase for push, Brevo for email, DigitalOcean for hosting, Apple and Google for app distribution). Their terms and privacy policies also apply. Full list and links are in our Privacy Policy section 4.

For Fluck Business Portal users who connect a Facebook Page, Instagram Business Account, or WhatsApp Business number, Meta Platforms Ireland and WhatsApp Ireland also process your business data and the content of messages your end customers send via those channels. See Privacy Policy section 4.1 and Meta's Platform Terms and Developer Policies for the third-party terms that govern those connections.

7.1 Connected business channels (Meta-owned)

If you are a Fluck Business Portal user and you connect a Facebook Page, Instagram Business Account, or WhatsApp Business number to Fluck, you authorise Fluck to act as a Tech Provider on your behalf, in the sense defined by Meta's Platform Terms and Developer Policies. You remain responsible for:

• Complying with Meta's own policies for the channel you operate (Facebook Page Terms, Instagram Community Guidelines, WhatsApp Business Solution Terms, WhatsApp Commerce Policy)
• Obtaining all necessary consents from your end customers before contacting them via these channels (in particular, opt-in consent for WhatsApp template messages)
• The accuracy and legality of any business profile information you publish via these channels
• Responding to your end customers' privacy requests in a timely manner

Fluck is responsible for:

• Storing and processing message data securely, in line with Privacy Policy section 4.1
• Honouring data deletion requests within 30 days, as described in our Data Deletion Instructions
• Notifying you of any material change to how we use Meta-connected data at least 30 days before the change takes effect

You may disconnect any connected channel at any time from Messaging → Configure → Channels in the Business Portal, or directly from your Facebook Business Settings → Business Integrations. Disconnection revokes our access token immediately and permanently deletes message data after a 30-day grace period.

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8. Service availability

We try to keep the Service running 24/7 but cannot guarantee uninterrupted availability. We may carry out planned maintenance and we are not liable for temporary unavailability or data-transmission delays.

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9. Changes to the Service and these Terms

We may modify the Service at any time. For material changes to these Terms we will notify you in-app and by email at least 30 days in advance. Your continued use of the Service after the effective date of the change constitutes acceptance. If you do not accept, you must stop using the Service and may close your account.

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10. Disclaimers

The Service is provided "as is" and "as available". To the fullest extent permitted by law we disclaim all warranties — express, implied, or statutory — including merchantability, fitness for a particular purpose, and non-infringement.

Fluck is a personal memorandum tool. You are solely responsible for confirming and settling any real-world payment obligations. Fluck does not guarantee the accuracy of any calculation, balance, or reminder.

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11. Limitation of liability

To the maximum extent permitted by law, Fluck AI Ltd's aggregate liability to you for any claim arising out of the Service is limited to the greater of:

• The amount you paid us for the Service in the 12 months preceding the claim, or
• GBP £50

We are not liable for indirect, incidental, consequential, special, or punitive damages, or for loss of profits, revenue, data, or goodwill — even if we were advised of the possibility.

Nothing in these Terms limits our liability for:

• Death or personal injury caused by our negligence
• Fraud or fraudulent misrepresentation
• Any liability that cannot be excluded under UK law

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12. Indemnity

You agree to indemnify and hold harmless Fluck AI Ltd from any claim, loss, or expense (including reasonable legal fees) arising out of:

• Your breach of these Terms
• Your violation of applicable law
• Your infringement of another party's rights

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13. Governing law and dispute resolution

These Terms are governed by the laws of England and Wales. Any dispute will be subject to the exclusive jurisdiction of the courts of England and Wales.

If you are a consumer in the EU/EEA you may also have rights to bring proceedings in the courts of your country of residence under applicable consumer protection law.

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14. General

• Severability — If any part of these Terms is held unenforceable, the remainder stays in effect.
• No waiver — Our failure to enforce any right is not a waiver of that right.
• Assignment — You may not assign these Terms. We may assign them to an affiliate or in connection with a corporate transaction.
• Entire agreement — These Terms plus the Privacy Policy are the entire agreement between you and Fluck regarding the Service.

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15. Contact

• Legal: legal@fluckai.com
• Support: support@fluckai.com
• Privacy: privacy@fluckai.com
• Security: security@fluckai.com
• Postal: Fluck AI Ltd, Innovation Centre, Knowledge Gateway, Boundary Road, Colchester, Essex, CO4 3ZQ, United Kingdom