Terms of Service

1. Acceptance of Terms

Welcome to FWIPP.

By downloading, accessing, creating an account, or using the FWIPP application, website, or related services (collectively, the “Service”), you agree to be bound by these Terms of Service (“Terms”).

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

2. About FWIPP

FWIPP is a personal life-management platform designed to help users organize documents, information, tasks, appointments, reminders, notifications, and life responsibilities into categories known as Life Buckets.

FWIPP is intended solely as an organizational tool.

FWIPP does not provide legal, financial, tax, accounting, medical, insurance, immigration, investment, employment, or other professional advice.

Users are solely responsible for reviewing, verifying, and acting upon their own information.

3. Eligibility

You must be at least eighteen (18) years old, or the age of majority in your jurisdiction, to use FWIPP.

By using the Service, you represent and warrant that you meet these eligibility requirements.

4. User Accounts

You are responsible for:

• Maintaining the confidentiality of your account credentials
• Restricting access to your account
• All activities that occur under your account
• Providing accurate account information

You agree to notify FWIPP immediately of any unauthorized use of your account or any suspected security breach.

FWIPP is not responsible for losses resulting from unauthorized access caused by your failure to safeguard account credentials.

5. User Content

You retain ownership of all files, documents, images, screenshots, text, voice recordings, and other content you upload or submit through FWIPP (“User Content”).

By submitting User Content, you grant FWIPP a limited, non-exclusive, revocable license to:

• Store content
• Process content
• Analyze content using artificial intelligence systems
• Generate cards, reminders, notifications, summaries, classifications, and organizational information
• Operate and improve the Service

FWIPP does not claim ownership of User Content.

You represent and warrant that you have all rights necessary to upload and use the content submitted to the Service.

6. Artificial Intelligence Processing

FWIPP uses artificial intelligence technologies and third-party AI providers to assist with:

• Data extraction
• OCR processing
• Document classification
• Information summarization
• Card creation
• Reminder generation
• Search functionality
• Organizational recommendations

Artificial intelligence systems are not perfect and may produce inaccurate, incomplete, outdated, or misleading results.

FWIPP does not guarantee the accuracy, completeness, reliability, or suitability of AI-generated content.

Users are solely responsible for reviewing and verifying all generated information before relying upon it.

7. Reliance on Information

Users acknowledge that FWIPP is an organizational tool and not an official recordkeeping system.

Information generated, extracted, summarized, classified, organized, or displayed by FWIPP may contain errors, omissions, delays, or inaccuracies.

Users are responsible for reviewing original documents and independently verifying all information before making legal, financial, medical, insurance, immigration, tax, employment, business, or personal decisions.

FWIPP shall not be responsible for any decisions, actions, losses, damages, penalties, or consequences resulting from reliance on information generated or displayed by the Service.

8. Subscription Plans and Actions

Certain features of FWIPP may require a paid subscription.

Subscription plans may include monthly usage limits measured in actions.

Actions may include, but are not limited to:

• Document uploads
• Voice submissions
• Text submissions
• AI processing requests
• Search requests
• Other designated platform activities

Unused actions do not roll over to future billing periods unless explicitly stated.

Subscription fees are billed through:

• Apple App Store
• Google Play Store
• Authorized payment processors

Subscriptions automatically renew unless canceled through the applicable platform.

Refund requests are governed by the policies of the applicable payment provider.

FWIPP reserves the right to modify pricing, subscription plans, features, and action allocations at any time.

9. User Responsibilities

You agree not to:

• Upload unlawful content
• Upload malicious software, viruses, or harmful code
• Use the Service for fraudulent purposes
• Attempt unauthorized access to systems or accounts
• Reverse engineer, copy, modify, or exploit the Service
• Interfere with platform security
• Violate any applicable law
• Infringe upon the rights of third parties

FWIPP reserves the right to suspend or terminate accounts that violate these Terms.

10. Data Storage and File Deletion

FWIPP may store uploaded content and generated information as necessary to provide the Service.

Users may choose to delete original uploaded files after processing while retaining generated card information.

Deleted files may remain temporarily within backups, logs, or disaster recovery systems for operational, legal, security, or compliance purposes.

FWIPP does not guarantee permanent deletion within any specific timeframe.

11. Availability of Service

FWIPP strives to provide reliable service but does not guarantee uninterrupted or error-free operation.

The Service may be modified, updated, restricted, suspended, or discontinued at any time without notice.

FWIPP shall not be liable for interruptions caused by:

• Software failures
• Hardware failures
• Internet outages
• Third-party provider disruptions
• Security incidents
• Maintenance activities
• Force majeure events

12. Intellectual Property

The Service and all related software, branding, designs, graphics, logos, features, content, user interfaces, trademarks, and technology are owned by FWIPP or its licensors and are protected by intellectual property laws.

Except as expressly authorized, users may not:

• Copy
• Reproduce
• Modify
• Distribute
• Sell
• License
• Reverse engineer
• Create derivative works from any portion of the Service

without prior written permission.

13. Disclaimer of Warranties

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.”

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FWIPP DISCLAIMS ALL WARRANTIES, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING:

• MERCHANTABILITY
• FITNESS FOR A PARTICULAR PURPOSE
• NON-INFRINGEMENT
• ACCURACY
• RELIABILITY
• SECURITY
• AVAILABILITY

FWIPP DOES NOT WARRANT THAT:

• THE SERVICE WILL BE ERROR-FREE
• DATA WILL ALWAYS BE AVAILABLE
• RESULTS WILL BE ACCURATE
• NOTIFICATIONS WILL ALWAYS BE DELIVERED
• DEFECTS WILL BE CORRECTED

USE OF THE SERVICE IS AT YOUR OWN RISK.

14. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, FWIPP, ITS OWNERS, OFFICERS, EMPLOYEES, CONTRACTORS, AFFILIATES, LICENSORS, SERVICE PROVIDERS, AND PARTNERS SHALL NOT BE LIABLE FOR:

• LOSS OF DATA
• LOSS OF PROFITS
• BUSINESS INTERRUPTION
• LOST OPPORTUNITIES
• MISSED DEADLINES
• MISSED PAYMENTS
• MISSED APPOINTMENTS
• MISSED FILINGS
• MISSED RENEWALS
• LOSS OF INSURANCE COVERAGE
• IMMIGRATION CONSEQUENCES
• LEGAL CONSEQUENCES
• INDIRECT DAMAGES
• INCIDENTAL DAMAGES
• SPECIAL DAMAGES
• CONSEQUENTIAL DAMAGES
• PUNITIVE DAMAGES

FWIPP’S TOTAL LIABILITY FOR ANY CLAIM SHALL NOT EXCEED THE AMOUNT PAID BY THE USER TO FWIPP DURING THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

15. No Responsibility for Missed Deadlines, Reminders, or Notifications

FWIPP is designed to assist users with organization, tracking dates, reminders, notifications, and life administration tasks.

Users remain solely responsible for monitoring and complying with all:

• Deadlines
• Appointments
• Payments
• Renewals
• Registrations
• Filings
• Compliance obligations
• Legal obligations
• Financial obligations

FWIPP does not guarantee that reminders, alerts, notifications, due dates, appointment information, calendar entries, or AI-generated information will be accurate, complete, timely, delivered, received, or acted upon.

Users acknowledge that technical failures, network interruptions, operating system restrictions, device settings, third-party services, artificial intelligence inaccuracies, human error, or unforeseen circumstances may impact notifications and reminders.

FWIPP shall not be liable for any loss, penalty, fee, missed payment, missed appointment, lapse in coverage, legal consequence, immigration consequence, financial loss, business loss, or other damages resulting from missed reminders, missed deadlines, inaccurate information, or failure to receive notifications.

16. Indemnification

You agree to defend, indemnify, and hold harmless FWIPP, its owners, officers, employees, contractors, affiliates, licensors, and service providers from and against any claims, damages, liabilities, losses, costs, expenses, and attorney fees arising from:

• Your use of the Service
• Your User Content
• Your violation of these Terms
• Your violation of applicable law
• Your infringement of third-party rights

17. Binding Arbitration and Class Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS.

Any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved exclusively through final and binding arbitration rather than in court, except where prohibited by law.

Arbitration shall be conducted in Miami-Dade County, Florida, by a recognized arbitration provider under its applicable rules.

The parties agree that arbitration shall be conducted solely on an individual basis.

To the fullest extent permitted by law:

• You waive the right to participate in a class action lawsuit.
• You waive the right to participate in a class-wide arbitration.
• You waive the right to act as a class representative.
• Claims may only be brought in an individual capacity.

Nothing in this section prevents either party from seeking injunctive relief regarding intellectual property rights, confidentiality obligations, or unauthorized access to systems.

If any portion of this arbitration provision is found unenforceable, the remaining portions shall remain in effect to the fullest extent permitted by law.

18. Termination

FWIPP may suspend, restrict, or terminate your access to the Service at any time if:

• You violate these Terms
• Your activities create legal or security risks
• Continued access may harm FWIPP, its users, or third parties

You may stop using the Service at any time and may request account deletion as described in the Privacy Policy.

Termination does not affect obligations or rights that accrued before termination.

19. Changes to These Terms

FWIPP reserves the right to modify these Terms at any time.

Updated versions will be posted through the Service or on the FWIPP website.

Continued use of the Service after revised Terms become effective constitutes acceptance of the updated Terms.

20. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to conflict-of-law principles.

Subject to the arbitration provisions above, any legal action arising from these Terms shall be brought exclusively in the state or federal courts located in Miami-Dade County, Florida.

21. Contact Information

FWIPP
Email: support@fwippapp.com
Website: www.fwippapp.com

If you have questions regarding these Terms, please contact us using the information above.