Terms of Service

1. Introduction

These Terms of Service ("Terms") govern your access to and use of the FamilyOFX platform and services (the "Service") operated by EA SOFT LTD ("we", "us", or "our"). By accessing or using the Service, you agree to be bound by these Terms. If you disagree with any part of these Terms, you may not access the Service.

2. Company Information

FamilyOFX is a brand operated by EA SOFT LTD, a company registered in the United Kingdom. For any questions or concerns regarding these Terms, please contact us at:

3. Service Availability

We do not guarantee the availability, reliability, or uptime of the Service or of any specific feature. Features may be added, modified, or removed. We take appropriate technical and organisational measures to protect information, but no online service is completely secure, and we do not guarantee that information will never be lost, altered, or accessed without authorisation.

4. Payment Terms

Payments for the Service may be processed through Stripe or Revolut. By making a payment, you agree to the payment terms of the respective payment processor.

5. User Accounts and Responsibilities

You are responsible for:

• Maintaining the confidentiality of your account credentials
• All activities that occur under your account
• Ensuring that any information you provide is accurate and up to date
• Complying with all applicable laws and regulations when using the Service

6. Data and Third-Party Services

The Service integrates with various third-party services for functionality, analytics, and authentication. Your data may be shared with:

• Payment Processing: Stripe and Revolut for payment processing and subscriptions
• AI Services: OpenRouter, and the model provider selected for your organisation (including Anthropic, OpenAI, Google, Mistral, Perplexity, and other providers offered in the Service)
• Infrastructure: Amazon Web Services for file storage, vault encryption, content delivery, and service email; Pusher for real-time messages
• Authentication and Email: Google and Microsoft for sign-in; Nylas (with Google and Microsoft) for email and calendar synchronisation
• Optional integrations: Tink for bank connections and Vexa for meeting recording, when you enable them
• Analytics and monitoring: PostHog for product analytics and session recording; Sentry for error monitoring
• Market data and search: Brave, EOD Historical Data, Yahoo Finance, NewsAPI, and Google News
• Scheduling: Calendly when you book a call

By using the Service, you consent to the sharing of your data with these third-party services as necessary for the operation of the Service. Each third-party service has its own privacy policy and terms of service.

7. Intellectual Property

The Service and its original content, features, and functionality are owned by EA SOFT LTD and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.

8. Prohibited Uses

You agree not to use the Service:

• In any way that violates any applicable law or regulation
• To transmit any malicious code, viruses, or harmful data
• To attempt to gain unauthorized access to the Service or related systems
• To interfere with or disrupt the Service or servers connected to the Service
• For any fraudulent or illegal purpose

9. No Professional Advice

The Service is software for storing and organising information. It is not financial, investment, tax, legal, or other professional advice, and EA SOFT LTD does not act as your adviser, agent, or fiduciary. Output from the Service, including output from AI models, may be incomplete or wrong. You must check it before you rely on it. Decisions you make using the Service are your own.

10. Warranties

To the maximum extent permitted by the laws of England and Wales, the Service is provided "as is" and "as available". We exclude all warranties, conditions, and representations, whether express or implied, including warranties of merchantability, satisfactory quality, fitness for a particular purpose, and non-infringement, except any warranty that cannot legally be excluded.

11. Limitation of Liability

Nothing in these Terms excludes or limits liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, or for any other liability that cannot be excluded or limited under the laws of England and Wales.

Subject to the paragraph above, and to the maximum extent permitted by law:

• EA SOFT LTD is not liable for indirect or consequential loss, or for loss of profits, revenue, goodwill, business, anticipated savings, or data, whether arising in contract, tort (including negligence), breach of statutory duty, or otherwise, even if we were advised that such loss was possible.
• Our total aggregate liability to you arising out of or in connection with these Terms or the Service shall not exceed the amount actually paid by our insurers under the business insurance policies maintained by EA SOFT LTD that respond to the claim. We maintain business insurance appropriate to the Service, which may include professional indemnity and cyber insurance. You agree that this limit reflects the fees charged for the Service and the insurance we hold, and that you will not claim more than that amount from us.
• If a claim is not covered by that insurance, or our insurers do not pay it, our total aggregate liability for that claim is limited to the fees you paid us for the Service in the twelve months before the claim arose, or £100 if you paid no fees in that period.
• You will bring any claim only against EA SOFT LTD, and not against its directors, officers, employees, or contractors personally. Those individuals may enforce this paragraph under the Contracts (Rights of Third Parties) Act 1999. No other person has any right under that Act to enforce these Terms.
• You must notify us in writing of a claim within twelve months of becoming aware of the circumstances giving rise to it. To the extent permitted by law, a claim notified later is waived.

12. Your Responsibility for Claims by Others

You will indemnify EA SOFT LTD against claims, losses, and reasonable legal costs brought by a third party that arise from information you submit to the Service, your use of the Service, or your breach of these Terms, except to the extent the claim is caused by our negligence and falls within the limit in section 11.

13. Termination

We may terminate or suspend your account and access to the Service immediately, without prior notice or liability, for any reason, including if you breach these Terms. Upon termination, your right to use the Service will cease immediately.

14. Changes to Terms

We reserve the right to modify or replace these Terms at any time. If a revision is material, we will provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at our sole discretion.

15. Governing Law

These Terms shall be governed by and construed in accordance with the laws of England and Wales, without regard to its conflict of law provisions. Any disputes arising from these Terms or the Service shall be subject to the exclusive jurisdiction of the courts of England and Wales.

16. Contact Information

If you have any questions about these Terms, please contact us at: