IlliAI Terms of Service

By accessing or using IlliAI ("the App"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, do not access or use the App.

IlliAI is a personal and business productivity platform that helps users manage daily routines, track finances, and organize their professional life. The App is operated by ILLIAI LLC, a limited liability company registered in the State of Florida, United States (EIN: 42-3721587) ("Company", "we", "us", "our").

Registered address: 17575 Black Rail Street, Windermere, Florida 34786, United States.

• You must be at least 18 years old to create an account.
• You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account.
• You agree to provide accurate, current, and complete information when registering.
• You may not share your account or allow others to access it on your behalf.
• We reserve the right to suspend or permanently terminate accounts that violate these Terms, without prior notice.

IlliAI offers the following subscription plans:

• Free — Basic access at no cost.
• Pro — $8.99/month, plus a one-time activation fee of $4.99 on the first billing cycle.
• Elite — $11.99/month, plus a one-time activation fee of $4.99 on the first billing cycle.
• Elite + Business — $19.99/month, plus a one-time activation fee of $4.99 on the first billing cycle. Includes all Elite features plus business finance tracking, invoice management, and burn rate analytics.
• All paid plans renew automatically on a monthly basis unless cancelled before the renewal date.
• Free trial: the Pro plan includes a 7-day free trial. It requires no credit card, does not create a subscription and never turns into a paid plan on its own. Each person may start it once. When it ends your account returns to the Free plan, and any bank connections stay active for 7 more days so that you do not have to reconnect if you decide to subscribe.
• You may cancel at any time through the billing portal in your account. Subscriptions are purchased on our website — the iOS app does not sell subscriptions — but you can manage and cancel yours from inside the App. Cancellation takes effect at the end of the current billing period.
• Except as provided in our Refund Policy, which forms part of these Terms, we do not provide refunds for partial months or unused portions of a subscription period. The Refund Policy gives you a 7-day money-back guarantee on your first payment for a paid plan.
• We reserve the right to change pricing with 30 days' prior notice to active subscribers.
• Payments are processed securely by Stripe. We do not store your payment card details.

• IlliAI analyzes financial statements you upload (CSV or PDF format) to generate insights and summaries.
• We do not store your bank login credentials. Bank connections use Plaid, Pluggy, or Belvo, which are regulated third-party providers.
• All financial insights, recommendations, and analyses provided by IlliAI are for informational purposes only and do not constitute financial, investment, tax, or legal advice.
• You are solely responsible for any decisions made based on information provided by the App.
• IlliAI is not a licensed financial advisor, broker, or investment firm.

If you choose to connect your Google Calendar account, IlliAI will access your calendar data to import and export events. By connecting, you authorize IlliAI to read and write to your Google Calendar on your behalf. You may disconnect this integration at any time from your account settings. IlliAI will only access the calendar data necessary to provide the scheduling features of the App.

You agree not to:

• Use the App for any unlawful, abusive, or fraudulent purpose
• Upload false, misleading, or fabricated financial data
• Attempt to reverse engineer, decompile, or copy the App or its underlying technology
• Use automated tools (bots, scrapers) to access the App
• Interfere with or disrupt the security or availability of the App
• Share your account credentials with unauthorized third parties
• Upload content that infringes on third-party intellectual property rights

All content, branding, logos, UI design, and software within IlliAI are the exclusive property of the Company or its licensors. Nothing in these Terms grants you a license to use our intellectual property other than as necessary to use the App for its intended purpose. Unauthorized use, reproduction, or distribution is strictly prohibited.

We respect intellectual property rights. If you believe any content on IlliAI infringes your copyright, please send a written notice to info@illi-ai.com with: (1) a description of the copyrighted work; (2) the URL or location of the allegedly infringing content; (3) your contact information; and (4) a statement that you have a good faith belief the use is unauthorized. We will respond to valid DMCA notices promptly.

• The App may display links to third-party websites and applications, including banks, financial institutions, and money transfer services such as Wise ("Third-Party Services"), for your convenience only.
• IlliAI is not affiliated with, endorsed by, or sponsored by any bank, financial institution, or Third-Party Service linked from the App, unless expressly stated. All trademarks and brand names belong to their respective owners and are used solely to identify the institutions associated with your connected accounts.
• When you follow such a link, you leave the App. Any transaction, transfer, or agreement you enter into occurs entirely on the Third-Party Service, under its own terms, privacy policy, and regulatory compliance. IlliAI does not initiate, execute, process, or intermediate any financial transaction.
• Exchange rates, fees, and amounts displayed in the App (including estimated comparisons) are informational estimates and may differ from the final values quoted by the Third-Party Service at the time of your transaction.
• We are not responsible for the availability, accuracy, security, or performance of any Third-Party Service, or for any loss or damage arising from your use of them.

The App is provided "as is" and "as available" without warranties of any kind, express or implied, including but not limited to merchantability, fitness for a particular purpose, or non-infringement. We do not warrant that the App will be uninterrupted, error-free, or free of viruses or other harmful components.

To the maximum extent permitted by applicable law, IlliAI and its officers, directors, employees, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of profits, data, or goodwill, arising from your use of or inability to use the App. Our total liability to you for any claim shall not exceed the amount you paid us in the 12 months preceding the claim.

You and ILLIAI LLC agree that any dispute, claim, or controversy arising out of or relating to these Terms or the App shall be resolved by binding individual arbitration under the rules of the American Arbitration Association (AAA), conducted in English in Orange County, Florida. You waive your right to participate in class action lawsuits or class-wide arbitration. Either party may seek injunctive or other equitable relief in a court of competent jurisdiction for matters involving intellectual property or imminent harm.

These Terms are governed by the laws of the State of Florida, United States, without regard to conflict of law provisions. For matters not subject to arbitration, you consent to exclusive jurisdiction in the courts of Orange County, Florida.

We reserve the right to modify these Terms at any time. For material changes, we will provide at least 14 days' notice via email or in-app notification. Your continued use of the App after the effective date of any changes constitutes your acceptance of the updated Terms.

We may suspend or terminate your access to the App at any time for violation of these Terms, fraudulent activity, non-payment, or at our sole discretion. Upon termination, your right to use the App ceases immediately. Provisions of these Terms that by their nature should survive termination (including Sections 8–14) shall survive.

Questions about these Terms:

ILLIAI LLC · 17575 Black Rail Street, Windermere, Florida 34786, United States · info@illi-ai.com