The terms, privacy practices, and disclaimers behind LIFE Direct — written plainly, kept honest.
Template only — not legal advice. Have a qualified attorney review and adapt this before any public use.
Effective date: [EFFECTIVE_DATE]
These Terms of Service (the "Terms") are a legal agreement between you ("you" or "User") and [COMPANY] ("[COMPANY]," "we," "us," or "our"), the operator of the LIFE Direct application and related websites and services (collectively, the "Service"). Please read these Terms carefully. They include important provisions that limit our liability, disclaim warranties, and require disputes to be resolved through binding arbitration on an individual basis (see Sections 17–18).
By creating an account, starting a free trial, or otherwise accessing or using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.
1.1 Agreement. By accessing or using the Service you confirm that you have read, understood, and agree to these Terms and to our Privacy Policy, which is incorporated by reference.
1.2 Minimum age for account holders. You must be at least 18 years old (or the age of legal majority in your jurisdiction, if higher) to create and hold a LIFE Direct account in your own name. By creating an account, you represent and warrant that you meet this requirement and that all information you provide is accurate.
1.3 Children only via a parent-managed Kid account. Individuals under 18 may use the Service only through a "Kid" account profile that is created, linked to, and managed by a consenting parent or legal guardian who holds an adult account. The adult account holder is responsible for the Kid account and for the child's use of the Service. See Section 6 (Family and Children) for details, including parental consent requirements.
1.4 Authority. If you are using the Service on behalf of another person (for example, as a parent managing a Kid account), you represent that you have the legal authority to do so and to bind that person to these Terms to the extent permitted by law.
1.5 Compliance. You are responsible for complying with all laws that apply to your use of the Service in your location. The Service may not be available in all jurisdictions.
2.1 What LIFE Direct is. LIFE Direct is a premium personal life-management application that helps you organize and understand your money, health, and family information in one place. Depending on your plan and settings, the Service may include:
2.2 Informational and organisational only. The Service is provided for personal, informational, and organisational purposes. It is a tool to help you see and manage your own information. It does not provide professional advice of any kind (see Sections 3, 4, and 8).
2.3 Changes to the Service. We may add, change, suspend, or remove features at any time. We will use reasonable efforts to notify you of material changes that adversely affect core functionality.
This Section is important. Please read it carefully.
3.1 Read-only access through Plaid. When you choose to connect a financial account, the Service connects to your bank and card accounts only through Plaid Inc. ("Plaid") and only in read-only mode. We read information such as account balances and transaction history in order to categorize your spending and show you insights like your true cost of living.
3.2 We never move money. The Service never moves, transfers, sends, withdraws, deposits, or holds your money, and never executes payments, transactions, trades, or investments on your behalf. We have no ability to move funds in or out of your accounts.
3.3 What we are NOT. [COMPANY] is not a bank, money services business, money transmitter, payment processor, broker-dealer, securities or commodities broker, investment adviser, financial planner, financial adviser, tax adviser, accountant, lender, or credit-repair organization. Nothing in the Service is, or should be relied on as, financial, investment, tax, accounting, or legal advice.
3.4 Informational outputs. Categorizations, totals, "true cost of living" figures, charts, and other money-related outputs are estimates generated from data provided by Plaid and your inputs. They may be incomplete, delayed, or inaccurate, and they are provided for your information only. You are solely responsible for your own financial decisions. Always verify important figures with your financial institution and consult a qualified professional before making financial decisions.
3.5 Your relationship with your financial institutions. Your accounts remain governed entirely by your agreements with your banks, card issuers, and other financial institutions. We are not a party to those relationships.
4.1 What it does. The Service includes an in-app AI assistant that can answer questions about your own data within the app.
4.2 Third-party AI provider. The AI assistant is built into the Service and operated by us; you do not supply an API key and cannot choose or change the underlying AI model. To generate responses, your questions (and relevant context from your data) are sent to a third-party AI provider, Anthropic's Claude API. By using the assistant, you authorize the Service to transmit your questions and the relevant data to the AI provider to fulfill your requests. The AI provider processes that data under its own terms; we may change or upgrade the AI provider, model, or features at any time.
4.3 AI output may be wrong. AI-generated responses can be inaccurate, incomplete, outdated, or misleading, and may "hallucinate" facts. Outputs are generated automatically and are not reviewed by a human before you see them.
4.4 Not professional advice. AI Assistant output is not professional advice of any kind — it is not financial, investment, tax, legal, or medical advice, and it is not a substitute for a qualified professional. Do not rely on AI outputs for any decision that warrants professional judgment. You use AI outputs at your own risk.
5.1 Optional and informational. Health and fitness features (such as logging vitals and setting reminders) are optional and are provided for general informational and self-tracking purposes only.
5.2 Not medical advice or a medical device. The Service is not intended to diagnose, treat, cure, monitor, or prevent any disease or health condition. It is not medical advice, not a medical device, and not a substitute for professional medical care, judgment, diagnosis, or treatment.
5.3 Not a healthcare provider. [COMPANY] is not a healthcare provider, and is not acting as a HIPAA "covered entity" or "business associate" in providing the Service. Always seek the advice of a qualified clinician with any questions about a medical condition. If you think you may have a medical emergency, call your local emergency number immediately. Never disregard or delay seeking professional medical advice because of something you read or received in the Service.
6.1 Parent-managed only. A Kid account is a child profile that is created and managed by a parent or legal guardian who holds an adult account. The parent controls the Kid account's settings and the features available to the child.
6.2 Restricted features. Kid accounts have restricted functionality, which may include allowance tracking, chores, and a school schedule. Kid accounts never include money-movement features (consistent with Section 3, no money is ever moved by the Service), and the Service does not share other people's precise location with a child without the appropriate person's consent.
6.3 Verifiable parental consent (COPPA and similar laws). Where a Kid account involves the collection of personal information from a child, applicable laws — including the U.S. Children's Online Privacy Protection Act ("COPPA") and comparable laws in other jurisdictions — require verifiable parental consent before that information is collected, and give parents rights to review and delete their child's information and to refuse further collection. By creating and using a Kid account, the parent or guardian represents that they are the child's parent or legal guardian and provides such consent. *The specific verifiable parental consent mechanism (for example, the methods accepted under COPPA) and any age thresholds must be confirmed by counsel for each jurisdiction in which the Service operates.* See the Privacy Policy for more detail on how children's data is handled.
6.4 Parental responsibility. The parent or guardian is responsible for supervising the child's use of the Service, for the content and accuracy of information in the Kid account, and for compliance with these Terms in connection with that account.
7.1 Service providers. The Service relies on third parties to function, including Plaid for bank and card connectivity and, when you enable it, the AI provider (Anthropic) for AI features. We may use other service providers (for example, for hosting, analytics, or payment processing).
7.2 Their terms govern. Your use of third-party services is governed by those third parties' own terms and privacy policies, not by these Terms. For example, your use of Plaid is subject to Plaid's end-user terms and privacy policy, and your use of the AI provider is subject to the AI provider's terms. You should review them. We do not control and are not responsible for third-party services, and we make no warranties about them.
7.3 No endorsement. References to third-party products or services are not endorsements, and we are not liable for third parties' acts or omissions.
The Service, including all money, health, AI, and other features, does not constitute financial, investment, tax, accounting, legal, medical, or other professional advice, and does not create any professional-client relationship. The Service is not a substitute for the advice of a qualified professional. You are solely responsible for your decisions and should consult appropriate professionals before acting.
9.1 Your account. You must provide accurate information when registering and keep it current. You are responsible for all activity that occurs under your account.
9.2 Credentials and security. You are responsible for safeguarding your login credentials, your device, and your browser. Because certain data — including some app settings — may be stored locally in your browser, the security of your device and browser is important to protecting that data. Notify us promptly at [CONTACT_EMAIL] if you suspect any unauthorized use of your account.
9.3 User content. "User Content" means information and materials you enter into or upload to the Service (for example, notes, logged vitals, chores, schedules, and the questions you submit to the AI Assistant). You retain ownership of your User Content. You grant us a limited, non-exclusive, worldwide, royalty-free license to host, store, process, transmit, and display your User Content solely to operate and provide the Service to you (including transmitting it to service providers such as Plaid or the AI provider as needed to perform the features you use). You represent that you have the rights necessary to provide your User Content and that it does not violate any law or third-party right.
9.4 Accuracy. You are responsible for the accuracy of the User Content and other inputs you provide, which affect the outputs the Service generates.
10.1 Paid subscription. Access to LIFE Direct (beyond any free trial or free features) requires a paid subscription. Subscription tiers and prices (currently around $9.99, $19.99, and $29.99 per month, plus applicable taxes) are described at the point of purchase. Prices are subject to change as described below.
10.2 7-day free trial. We may offer a 7-day free trial. Unless you cancel before the trial ends, your subscription will automatically convert to a paid subscription and you will be charged the applicable fee for your selected plan when the trial ends. Trial eligibility may be limited (for example, to new users) and may be modified or withdrawn at our discretion. The terms shown at sign-up govern your trial.
10.3 Auto-renewal. Subscriptions are billed in advance on a recurring basis (monthly, unless stated otherwise) and automatically renew for successive periods at the then-current price until you cancel. By subscribing, you authorize [COMPANY] (or its payment processor or the app store through which you subscribe) to charge your payment method on a recurring basis until you cancel.
10.4 Cancellation. You may cancel anytime through your account settings (or, if you subscribed through an app store, through that store's subscription management). Cancellation stops future renewals. Unless required by law, cancellation takes effect at the end of the current billing period, and you will retain access until then.
10.5 Refunds. Except where required by applicable law (or where a separate refund policy or app-store policy applies), fees are non-refundable and we do not provide refunds or credits for partial billing periods or unused time. If you subscribed through a third-party app store, refunds are handled under that store's policy.
10.6 Price changes. We may change subscription prices and the features included in each tier. We will provide notice of price changes as required by law, and changes will apply to the next billing period after the notice period. If you do not agree to a price change, you may cancel before it takes effect.
10.7 App-store purchases. If you purchase a subscription through a third-party app store or platform, that platform's terms, billing, and cancellation/refund rules may apply in addition to or instead of parts of this Section.
10.8 Taxes. Stated prices may exclude applicable taxes, which you are responsible for paying.
You agree not to, and not to permit anyone else to:
We may investigate and take appropriate action (including suspension or termination) for violations.
12.1 Our rights. The Service, including its software, design, text, graphics, logos, and other content (excluding your User Content and third-party materials), is owned by [COMPANY] or its licensors and is protected by intellectual property laws. The names "LIFE Direct," [COMPANY], and related marks are our trademarks; you may not use them without our prior written consent.
12.2 Limited license to you. Subject to these Terms and your payment of applicable fees, we grant you a limited, personal, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial use.
12.3 Feedback. If you give us feedback or suggestions, you grant us a perpetual, irrevocable, royalty-free license to use it without obligation to you.
13.1 AS IS. TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. WE DISCLAIM ALL IMPLIED WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.
13.2 No guarantees. We do not warrant that the Service will be uninterrupted, secure, error-free, or available at any particular time, or that data (including data obtained via Plaid), categorizations, insights, AI outputs, health information, or other outputs will be accurate, complete, current, or reliable. You use the Service, and rely on any output, at your own risk.
13.3 Third parties. We make no warranties regarding third-party services (including Plaid and the AI provider).
13.4 Jurisdictional limits. Some jurisdictions do not allow certain warranty exclusions, so some of the above may not apply to you. In that case, such warranties are limited to the minimum extent permitted by law.
14.1 Exclusion of certain damages. TO THE MAXIMUM EXTENT PERMITTED BY LAW, [COMPANY] AND ITS AFFILIATES, OFFICERS, EMPLOYEES, AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. THIS INCLUDES, WITHOUT LIMITATION, LOSSES ARISING FROM FINANCIAL, HEALTH, OR OTHER DECISIONS MADE IN RELIANCE ON THE SERVICE OR ITS OUTPUTS (INCLUDING AI OUTPUTS), OR FROM THIRD-PARTY SERVICES.
14.2 Liability cap. TO THE MAXIMUM EXTENT PERMITTED BY LAW, OUR TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO US FOR THE SERVICE IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE LIABILITY, OR (B) USD $100.
14.3 Basis of the bargain. These limitations are an essential basis of the agreement and apply to all claims, whether in contract, tort, or otherwise.
14.4 Jurisdictional limits. Some jurisdictions do not allow the exclusion or limitation of certain damages, so some of the above may not apply to you. Nothing in these Terms limits liability that cannot be limited by law (for example, for fraud, gross negligence, or death or personal injury caused by negligence, where applicable). *Counsel should confirm permitted limitations for each target jurisdiction, including consumer-protection limits under EU/UK and other laws.*
To the extent permitted by law, you agree to indemnify, defend, and hold harmless [COMPANY] and its affiliates, officers, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to: (a) your use or misuse of the Service; (b) your User Content or inputs; (c) your violation of these Terms or any law; (d) your violation of any third-party right (including a third party's privacy rights, or Plaid's or the AI provider's terms); or (e) for a Kid account, your child's use of the Service or your failure to provide required parental consent or supervision. This does not apply to the extent a claim arises from our own willful misconduct where such allocation is prohibited by law.
16.1 By you. You may stop using the Service and cancel your subscription at any time (see Section 10.4).
16.2 By us. We may suspend or terminate your access, in whole or in part, if you breach these Terms, if we reasonably believe your use poses a risk to the Service or others, if required by law, or if we discontinue the Service. Where practicable and lawful, we will provide notice.
16.3 Effect of termination. On termination, your license to use the Service ends. Data stored locally in your browser remains under your control; you can delete it. We will handle data we hold (including any server-side bank-connectivity access token) in accordance with our Privacy Policy and applicable law. Sections that by their nature should survive (including Sections 3–5, 8, 12–15, and 17–19) will survive termination.
These Terms and any dispute arising out of or relating to them or the Service are governed by the laws of [JURISDICTION], without regard to its conflict-of-laws rules. *Mandatory consumer-protection laws of your country of residence may also apply and are not displaced by this Section where the law so provides; counsel should confirm the appropriate governing law and any required consumer carve-outs for each target market.*
Please read this Section carefully — it affects how disputes are resolved and may limit your rights, including the right to go to court or participate in a class action.
18.1 Informal resolution first. Before starting a formal proceeding, you agree to contact us at [CONTACT_EMAIL] and try in good faith to resolve the dispute informally for at least 30 days.
18.2 Binding arbitration. Except as set out below, any dispute that is not resolved informally will be resolved by final and binding individual arbitration, rather than in court, administered by [ARBITRATION_ADMINISTRATOR] under its applicable rules, seated in [ARBITRATION_VENUE], and conducted in the English language.
18.3 Class-action and jury-trial waiver. To the maximum extent permitted by law, disputes will be resolved only on an individual basis, and you and [COMPANY] waive any right to a jury trial and to participate in a class, collective, or representative action.
18.4 Exceptions. Either party may bring an individual claim in small-claims court where eligible, and either party may seek injunctive relief to protect intellectual property or address unauthorized access.
18.5 Enforceability varies by jurisdiction. Arbitration agreements, class-action waivers, and jury-trial waivers are not enforceable in all jurisdictions, and mandatory consumer-protection laws (for example, in the EU, UK, and elsewhere) may give you the right to bring claims in your local courts regardless of this Section. To the extent any part of this Section is unenforceable as to a particular dispute or in a particular jurisdiction, that part will not apply to that dispute, and the remainder will continue to apply. *Counsel must confirm the enforceability, required disclosures, opt-out mechanics, and any necessary modifications of this Section for every jurisdiction in which the Service is offered.*
We may update these Terms from time to time. If we make material changes, we will provide reasonable notice (for example, by in-app notice or email) and update the "Effective date" above. Changes take effect as stated in the notice. Your continued use of the Service after changes take effect constitutes acceptance. If you do not agree, you must stop using the Service and may cancel.
Your use of the Service is also governed by our Privacy Policy, which describes how we collect, use, store, and share information, including via processors such as Plaid and, when enabled, the AI provider, and including data stored locally in your browser and any server-side bank-connectivity access token. Depending on where you live, you may have rights over your personal data — for example, under the EU/UK GDPR (such as access, rectification, erasure, restriction, portability, and objection) and the California CCPA/CPRA (such as the rights to know, delete, correct, and opt out of "sale" or "sharing"). Please see the Privacy Policy for how to exercise these rights and for our EU/UK representative and data protection contact details, where applicable.
21.1 Entire agreement. These Terms and the documents they incorporate (including the Privacy Policy) are the entire agreement between you and [COMPANY] regarding the Service and supersede prior agreements on that subject.
21.2 Severability. If any provision is held unenforceable, the rest remains in effect, and the unenforceable provision will be modified to the minimum extent necessary.
21.3 No waiver. Our failure to enforce a provision is not a waiver of it.
21.4 Assignment. You may not assign these Terms without our consent. We may assign them in connection with a merger, acquisition, or sale of assets.
21.5 Force majeure. We are not liable for failures or delays caused by events beyond our reasonable control.
21.6 Notices. We may provide notices via the Service or to the email associated with your account.
Questions about these Terms can be sent to:
[COMPANY]
[ADDRESS]
Email: [CONTACT_EMAIL]
*Bracketed items (such as [COMPANY], [JURISDICTION], [CONTACT_EMAIL], [EFFECTIVE_DATE], [ADDRESS], [ARBITRATION_ADMINISTRATOR], and [ARBITRATION_VENUE]) must be completed, and the entire document reviewed and adapted by qualified counsel for each target jurisdiction, before any public use.*
Template only — not legal advice. Have a qualified attorney review and adapt this before any public use.
Effective date: [EFFECTIVE_DATE]
Last updated: [EFFECTIVE_DATE]
This Privacy Policy explains how [COMPANY] ("we," "us," or "our") collects, uses, shares, and protects personal information when you use the LIFE Direct application and related services (the "Service"). LIFE Direct is a premium AI-assisted personal life-management app that helps you organize your money, health, and family information in one place.
Please read this Policy together with our Terms of Service. By using the Service, you acknowledge the practices described here. If you do not agree, do not use the Service.
> Important context about how LIFE Direct works. Much of your data is designed to live on your own device (in your browser's local storage). For bank connectivity, we rely on Plaid in read-only mode and hold a Plaid access token on our servers. The in-app AI assistant is built in and operated by us; you do not supply an API key and cannot choose or change the AI model. When you ask it a question, your question and the relevant data are sent to a third-party AI provider (Anthropic) to generate a response. The Service is informational and organizational only — it never moves, transfers, sends, withdraws, or holds money, and is not financial, legal, medical, or tax advice. These design choices shape everything in this Policy.
[COMPANY] is the controller responsible for your personal information under applicable data protection laws, except where this Policy says another party (such as a third-party processor) acts independently.
> *Counsel to confirm whether [COMPANY] is required to appoint a DPO and/or an EU/UK Article 27 representative based on the company's establishment, monitoring activities, and the scale of processing.*
We collect only the information needed to provide the features you use. Many features are optional, and some categories are collected only if you turn them on.
When you connect a bank or card account, you do so through Plaid, our bank-connectivity provider, in read-only mode. Through Plaid we may receive:
We use this data to categorize spending and present your "true cost of living." We never use these connections to move, transfer, send, withdraw, or hold money, and we never execute transactions or trades. Your bank login credentials are entered with Plaid and are not shared with or stored by us.
If you enable health/fitness features, we may process information you choose to enter or connect, such as vitals, activity, and reminders. Health and fitness features are not medical advice, not a medical device, and not a substitute for a qualified clinician. We are not a healthcare provider or a HIPAA covered entity. Some health-related data may be treated as "special category" / "sensitive" personal information under applicable law (see Section 4).
The Service offers a "Kid" account mode — a child profile linked to a parent with restricted features (allowance, chores, school schedule). Kid accounts never include money movement and never include other people's precise location without consent. Children's data is subject to additional protections; see Section 11 and our separate Children's Privacy Notice.
If you use the built-in AI assistant, we (and the AI provider) process the questions you ask and the portions of your data needed to answer them. See Section 5 for important details, including that the assistant is operated by us and you do not supply or choose the AI.
We use a third-party payment processor to handle subscriptions. We receive limited billing details (for example, plan, transaction status, and the last four digits of a card). We do not store full payment card numbers.
Messages you send to support, feedback, and related correspondence.
We use personal information to:
We do not sell your personal information, and we do not use your financial, health, or child data to serve third-party advertising.
Where the EU GDPR or UK GDPR applies, we rely on the following legal bases:
| Purpose | Legal basis |
|---|---|
| Providing the Service you request (accounts, bank categorization, family features) | Performance of a contract (Art. 6(1)(b)) |
| Billing, trials, renewals, fraud prevention, security, service improvement | Legitimate interests (Art. 6(1)(f)) |
| Optional features such as health/fitness data and the AI assistant | Consent (Art. 6(1)(a)), and explicit consent for special-category data (Art. 9(2)(a)) |
| Children's data in Kid mode | Consent of the holder of parental responsibility (Art. 6(1) / Art. 8) |
| Legal and regulatory compliance | Legal obligation (Art. 6(1)(c)) |
Where we rely on consent, you may withdraw it at any time without affecting processing already carried out. Where we rely on legitimate interests, you may object (see Section 10).
> *Counsel to confirm the appropriate lawful basis for each processing activity in each target market, including the basis for any special-category (e.g., health) data.*
The optional in-app AI assistant answers questions about your own data.
LIFE Direct is built around keeping data close to you:
We share personal information with service providers ("processors") who act on our behalf under contract, and only as needed to provide the Service:
We may also disclose information: (a) to comply with law, legal process, or lawful government requests; (b) to protect the rights, safety, and security of users, the public, or [COMPANY]; and (c) in connection with a merger, acquisition, financing, or sale of assets, subject to this Policy.
[COMPANY] does not sell your personal information for money, and does not "share" it for cross-context behavioral advertising as those terms are defined under California law. We do not use your financial, health, or children's data for third-party advertising. Disclosures to processors (Section 7) are made strictly to provide the Service under contractual confidentiality and data-protection obligations.
The Service uses cookies, similar technologies, and browser local storage to operate. In particular, local storage holds app data and your preferences (such as theme, fonts, and sign-in state) on your device. We use:
You can control cookies and local storage through your browser settings; clearing them may remove locally stored data and disable certain features. Where required by law, we will request consent for non-essential cookies/storage.
> *Counsel to confirm cookie-consent requirements (e.g., EU/UK ePrivacy) and any consent-management tooling needed.*
Subject to conditions and exceptions, you may have the right to:
California residents may have the right to:
Contact us at [CONTACT_EMAIL] (or use any in-app privacy controls we provide). We will verify your identity before acting and will respond within the timeframes required by applicable law. You may use an authorized agent where the law permits. Because much of your data lives in your browser's local storage, you can also delete a significant portion of it yourself by clearing that storage or deleting your data within the app.
> *Counsel to confirm verification procedures, response deadlines, authorized-agent handling, and whether additional state-law rights (e.g., other US state privacy laws) must be addressed.*
LIFE Direct's "Kid" account mode is intended for a child profile linked to and controlled by a parent or guardian. Children's data triggers the U.S. Children's Online Privacy Protection Act (COPPA) and similar laws in other jurisdictions, which require verifiable parental consent and meaningful parental control.
For full details, see our separate Children's Privacy Notice.
> *Counsel to confirm the specific COPPA-compliant verifiable-parental-consent method(s) and any equivalent requirements (e.g., UK Age Appropriate Design Code, GDPR Art. 8 age thresholds) for each target market before launch.*
We keep personal information only as long as needed for the purposes described in this Policy, then delete or anonymize it, unless a longer period is required or permitted by law (for example, for tax, accounting, fraud prevention, or dispute resolution).
> *Counsel to set concrete retention periods per data category and jurisdiction.*
We use technical and organizational measures designed to protect personal information, including encryption in transit, access controls, and limiting server-side storage (for example, holding only the Plaid access token rather than your bank credentials). No method of transmission or storage is completely secure, and we cannot guarantee absolute security. You are responsible for safeguarding your login credentials, your device, and your browser.
We and our processors may process information in countries other than yours. Where we transfer personal data out of the EEA, UK, or other regulated regions, we use appropriate safeguards such as Standard Contractual Clauses, the UK International Data Transfer Addendum, adequacy decisions, or other lawful transfer mechanisms.
> *Counsel to confirm transfer mechanisms for each processor (including Plaid, the AI provider, hosting, and payments) and complete any required transfer impact assessments.*
If a personal data breach occurs that affects your information, we will notify affected users and the relevant authorities as required by applicable law and within applicable timeframes. To report a security concern, contact us at [CONTACT_EMAIL].
> *Counsel to confirm breach-notification deadlines and authority/individual notification triggers per jurisdiction (e.g., GDPR 72-hour authority notice; applicable US state breach laws).*
The Service is offered as a paid subscription (tiers around $9.99 / $19.99 / $29.99 per month) with a 7-day free trial, and you can cancel anytime; subscriptions auto-renew until canceled. For billing, we and our payment processor process limited payment-related information as described in Sections 2.7 and 7. Full billing, trial, refund, and auto-renewal terms appear in our Terms of Service.
We may update this Policy from time to time. We will post the updated version with a new "Last updated" date and, where required by law, provide additional notice or seek your consent. Your continued use of the Service after an update means you accept the revised Policy.
Questions, requests, or complaints about privacy:
This Policy is governed by the laws of [JURISDICTION], without prejudice to mandatory consumer or data-protection rights you have under the law of your place of residence.
> *Counsel to confirm governing law, supervisory-authority references, and required disclosures for each market in which the Service is offered.*
Template only — not legal advice. Have a qualified attorney review and adapt this before any public use.
Effective date: [EFFECTIVE_DATE]
Product: LIFE Direct (the "App"), operated by [COMPANY] ("we," "us," or "our").
This Financial Disclaimer explains what LIFE Direct does — and, just as importantly, what it does not do — with respect to your money. It forms part of, and should be read together with, our Terms of Service and Privacy Policy. By using the App's money-related features, you acknowledge and accept this disclaimer.
LIFE Direct is an informational and organisational tool. It helps you see and understand your own spending by reading your bank and card data. It is not a financial institution, it does not give advice, and it never moves your money. The numbers it shows are estimates that can be incomplete or wrong, and any insights generated by our AI assistant can be wrong too. Always rely on your own financial institution's records and a licensed professional before making financial decisions.
To be completely clear, LIFE Direct and [COMPANY] are NOT, and do not act as, any of the following:
We hold no licences or registrations in these capacities, and nothing in the App should be read as suggesting otherwise. The specific licensing and registration rules that apply to a product like this vary by country, state, and province; [COMPANY] and its counsel must confirm the App's classification and any registration or licensing obligations for each jurisdiction in which it is offered.
Everything the App shows you — categories, totals, trends, your "true cost of living," budgets, and any summaries or suggestions — is provided for general informational and organisational purposes only. It is not:
The App does not know your full financial picture, goals, risk tolerance, or personal circumstances, and it does not take them into account. You should consult a licensed financial professional, accountant, or tax adviser before making any financial, investment, or tax decision. Any action you take based on the App is taken at your own risk and is your sole responsibility.
LIFE Direct never moves, transfers, sends, withdraws, deposits, holds, or has custody of your funds. It cannot and does not execute payments, transactions, trades, or any other financial instruction on your behalf.
The App's money features are strictly read-only: they look at your financial data so you can understand it. They do not act on it.
When you choose to connect a bank or card account, that connection is made only through Plaid, a third-party account-connectivity provider, and only in read-only mode.
Your use of Plaid is also governed by Plaid's own end-user privacy policy and terms. Plaid is an independent company; we do not control it, and we are not responsible for its services or practices. For details on what data is shared and stored, see our Privacy Policy. (Plaid connectivity requires a server-side access token; how that token is held and protected is described in the Privacy Policy.)
The balances, totals, categories, "true cost of living" figures, and any other numbers the App displays are informational estimates derived from the transaction data made available through Plaid. They are not authoritative financial records. They may be:
Your financial institution's own statements and records are the official, authoritative source for your account information. If the App and your institution disagree, rely on your institution. Do not rely on the App for reconciliation, tax filing, official reporting, or any legally significant purpose.
LIFE Direct does not hold your money, so it provides no deposit, brokerage, or other financial-protection coverage. Nothing offered by [COMPANY] is FDIC-insured, SIPC-protected, or otherwise insured or guaranteed by any government agency or insurance scheme, and the App does not extend, create, or affect any such protection that may apply to your underlying bank or card accounts. Coverage for those accounts, if any, comes solely from your own financial institution.
LIFE Direct includes a built-in AI assistant that can answer questions about your own data. It is operated by us; you do not supply an API key and cannot choose the AI model. When you ask a question, it is sent to a third-party AI provider (Anthropic's Claude API) to generate a response.
AI output is generated automatically and can be inaccurate, incomplete, or misleading. It is not professional financial, investment, tax, legal, or other advice, and it is not a substitute for a licensed professional. Do not make financial decisions based on the AI assistant's responses without independently verifying the information and consulting a qualified professional. Your use of the AI assistant is also subject to the third-party provider's terms, and we do not control or guarantee its output.
You are solely responsible for your own financial decisions and for verifying any information before you act on it. To the fullest extent permitted by applicable law, and subject to our Terms of Service, [COMPANY] disclaims liability for any loss or damage arising from your reliance on the App's figures, features, or AI-generated insights, or from any decision you make based on them. Nothing in this disclaimer limits any rights you have under mandatory consumer-protection law in your jurisdiction, or excludes liability that cannot lawfully be excluded.
We may update this Financial Disclaimer from time to time. When we do, we will revise the "Effective date" above and, where appropriate, notify you within the App. Your continued use of the money features after an update means you accept the revised disclaimer.
Questions about this disclaimer? Contact us at:
This disclaimer is governed by the laws of [JURISDICTION], without prejudice to any mandatory protections available to you under the law of your place of residence.
*This document is a template and does not constitute legal advice. Financial-services classification, licensing, and disclosure requirements differ significantly across jurisdictions; [COMPANY] must obtain qualified legal review before publishing or relying on this disclaimer.*
Template only — not legal advice. Have a qualified attorney review and adapt this before any public use.
Effective date: [EFFECTIVE_DATE]
Applies to: LIFE Direct (the "App"), operated by [COMPANY] ("we", "us", "our").
This Health & Wellness Disclaimer explains the limits of any health, fitness, or wellness features in the App. It forms part of, and should be read together with, our Terms of Service and Privacy Policy. By using any health or wellness feature, you accept this Disclaimer.
LIFE Direct offers optional health and wellness features that may include logging or displaying vitals and similar measurements, setting medication or appointment reminders, recording fitness or wellness information, and organising this information alongside your other life data.
These features exist to help you organise and keep track of information you choose to enter or connect. They are provided for general informational and organisational purposes only.
Nothing in the App — including any content, calculation, reminder, summary, chart, score, suggestion, or output from the in-app AI assistant — is:
The App does not practise medicine, nursing, pharmacy, or any other regulated health profession, and it does not establish a clinician–patient relationship.
You should rely on the advice of a qualified healthcare professional — not the App — for decisions about your health.
The App is not designed for and must not be used for medical emergencies.
If you think you may have a medical emergency, or are experiencing a life-threatening situation, call your local emergency services immediately (for example, 911 in the United States, 999 in the United Kingdom, 112 in much of the European Union, or the appropriate number in your country) or go to the nearest emergency department. Do not use the App to request emergency help.
[COMPANY] is not a doctor, hospital, clinic, pharmacy, laboratory, or other healthcare provider, and is not a healthcare professional of any kind.
In the United States, we do not intend to operate as a "covered entity" or "business associate" under the Health Insurance Portability and Accountability Act (HIPAA), and the App is not a HIPAA-regulated service. Health-related information you enter is treated as personal data under our Privacy Policy, not as protected health information under HIPAA. Similar health-specific regimes may apply elsewhere. *Counsel should confirm the App's regulatory status for each launch jurisdiction, including whether any medical-device, telehealth, or health-data classification applies under [JURISDICTION] and other applicable law.*
The App includes a built-in in-app AI assistant that can answer questions about your own data. It is operated by us; you do not supply an API key and cannot choose the AI model. When you ask it a question, your question is sent to a third-party AI provider (Anthropic's Claude API) to generate a response.
When the assistant responds to anything health-related, the same limits apply, and more so:
You are responsible for how you use any AI output. See our Terms of Service and Privacy Policy for further detail on the AI assistant and the third-party provider.
The usefulness of any health or wellness feature depends on the accuracy and completeness of the information you enter or connect. We do not verify that information and are not responsible for errors in it.
Health and wellness features may not be appropriate for everyone or for every condition. You are solely responsible for deciding whether a feature is suitable for you, and for using it sensibly in light of your own circumstances and your clinician's guidance.
Where the App's "Kid" account mode is used, a parent or guardian is responsible for any health-related information associated with a child profile and for ensuring that the child's care decisions are made by appropriate adults and professionals. Children's health information is subject to additional protections; please see our Privacy Policy and the provisions covering children's data (including, in the United States, COPPA and verifiable parental consent).
To the fullest extent permitted by applicable law, [COMPANY] is not liable for any decision you make, or any action you take or fail to take, in reliance on any health or wellness feature, content, reminder, or AI output in the App. Your use of these features is at your own risk. This Disclaimer does not exclude or limit any liability that cannot lawfully be excluded or limited. *Counsel should confirm the enforceability of these limitations under [JURISDICTION] and other applicable consumer-protection law.*
We may update this Disclaimer from time to time. Material changes will be communicated through the App or by other reasonable means, and the "Effective date" above will be revised. Your continued use of the health and wellness features after an update means you accept the updated Disclaimer.
Questions about this Disclaimer can be sent to:
[COMPANY]
[ADDRESS]
[CONTACT_EMAIL]
*This document is a template and does not constitute legal advice. A qualified attorney should review and adapt it — including the regulatory, medical-device, health-data, and liability points flagged above — before any public use in [JURISDICTION] or any other market.*
Template only — not legal advice. Have a qualified attorney review and adapt this before any public use.
Product: LIFE Direct
Operated by: [COMPANY] ("we," "us," "our")
Effective date: [EFFECTIVE_DATE]
Questions for parents: [CONTACT_EMAIL]
This notice explains how LIFE Direct treats the personal information of a child whose profile is created and managed inside a parent's or guardian's account ("Kid Mode"). It is written for parents and legal guardians and supplements our main Privacy Policy. Where this notice and the main Privacy Policy differ for a child's data, this notice controls.
> Counsel note: The specific rules for children differ significantly by country and by the child's age (for example, U.S. COPPA covers under-13; several EU/EEA member states set the "digital consent" age anywhere from 13 to 16 under the GDPR; the UK applies its Age Appropriate Design Code). The mechanisms described below — especially the verifiable parental consent method and any under-13 / under-16 handling — must be reviewed and confirmed by qualified counsel for each market before launch. Placeholders in [BRACKETS] must be completed.
Kid Mode is an optional child profile that lives inside a parent's or guardian's account. A child does not sign up on their own and cannot create a standalone account. The parent sets up the profile, controls it, and can change or delete it at any time.
Kid Mode is intended for age-appropriate, family-organisation features only, such as:
Kid Mode never includes:
Before we knowingly collect personal information from a child through Kid Mode, we obtain verifiable parental consent from the parent or guardian who controls the account.
> Counsel note: The U.S. Federal Trade Commission's COPPA Rule prescribes acceptable verifiable-consent methods. The method [COMPANY] selects must be confirmed by counsel as compliant for each jurisdiction where the app is offered, and the method may need to be stronger where the child's data is used in ways beyond internal support of the service.
A parent can withdraw consent at any time by deleting the child profile or by contacting us at [CONTACT_EMAIL]. Withdrawing consent will end Kid Mode for that child and trigger deletion of the child's data as described in Section 7.
We practise data minimisation: we collect only what is needed to run the age-appropriate features the parent has turned on. A child profile may involve:
| Category | Examples | Notes |
|---|---|---|
| Profile basics | The child's first name or nickname, age or age range, avatar | Entered by the parent |
| Schedule | School schedule, reminders, calendar entries | As set up by the parent or child |
| Chores & tasks | Task lists, completion status | Family-organisation only |
| Allowance | Allowance amounts, chore-linked figures | Display numbers only — not connected to any bank, card, or payment system |
We do not knowingly collect from a child: bank/card/payment data; government identifiers; the precise location of other people without consent; biometric data; or any sensitive category beyond what is strictly needed for the features above.
LIFE Direct includes a built-in in-app AI assistant that can answer questions about a user's own data. It is operated by us; the user does not supply an API key and cannot choose the AI model. When the assistant is used, the question is sent to a third-party AI provider (Anthropic's Claude API) to generate a response.
We use a child's data only to provide and support the Kid Mode features the parent has enabled, to keep the service secure, and to comply with law.
The parent or guardian who controls the account is in charge of the child's data. At any time, a parent can:
You can exercise these rights directly in the app (by editing or deleting the child profile and clearing local data) or by contacting us at [CONTACT_EMAIL]. We may need to verify that you are the parent/guardian before acting on a request. We will honour verified requests within the timeframes required by applicable law in [JURISDICTION].
We do not share a child's personal information except:
Note that Plaid (bank connectivity) and the AI provider are processors for the parent's money and assistant features and are not used for Kid Mode profiles as described above.
LIFE Direct is intended for a global audience. Depending on where you and your child live, additional rights may apply, including:
> Counsel note: Confirm the lawful basis, age thresholds, and rights-handling procedures for each market, and complete controller/representative/DPO details.
We keep a child's personal information only as long as needed to provide Kid Mode features, and we delete it when the parent deletes the profile, withdraws consent, or closes the account — subject to any limited retention required by law. Data stored on the device is removed when the parent deletes it locally or clears browser storage.
We may update this notice from time to time. If we make material changes affecting children's data, we will notify the parent/guardian and, where required by law, obtain renewed verifiable parental consent before applying the change. The "Effective date" above shows when this version took effect.
If you are a parent or guardian and have questions, want to review or delete your child's information, or wish to withdraw consent, contact us:
We will respond as required by the laws of [JURISDICTION] and any other applicable jurisdiction.
*This Children's Privacy Notice supplements the LIFE Direct Privacy Policy and Terms of Service. Kid Mode features are informational and family-organisation tools only; they never move money and are not professional financial, legal, medical, or tax advice.*
Template only — not legal advice. Have a qualified attorney review and adapt this before any public use.
_Last updated: [EFFECTIVE_DATE]_
This AI Assistant Disclaimer explains how the AI assistant inside LIFE Direct (the "App"), operated by [COMPANY] ("we," "us," or "our"), works, what it can and cannot do, and the limits you must keep in mind when you use it. It supplements, and is part of, our Terms of Service and Privacy Policy. If there is any conflict on AI-specific matters, this document controls. Capitalised terms not defined here have the meaning given in our Terms of Service.
By using the AI assistant, you confirm that you have read and understood this disclaimer.
LIFE Direct includes an in-app AI assistant that answers questions about your own data held in the App — for example, your spending categories, your "true cost of living," reminders, schedules, and the optional information you have chosen to add about your money, health, or family.
The assistant is a convenience and organisation feature. It is designed to help you understand and navigate information you already have. It is not an adviser, a professional, or an authority of any kind.
The assistant is powered by automated artificial intelligence (a large language model). Like all such systems, it can produce information that is:
The AI does not "know" the truth and does not verify its own output. You must independently verify any important information before you act on it, and you must not rely solely on the AI assistant for any decision that matters. This is especially true for anything involving your money, your health, your taxes, your legal rights, or your family.
The AI assistant does not provide professional advice of any kind. In particular, nothing the assistant says is, or should be treated as:
For any decision in these areas, consult a qualified, licensed professional who can consider your full circumstances.
The AI assistant is built into the App, and we operate it for you. To generate answers it connects to a third-party AI provider, Anthropic (the Claude API). You do not supply, manage, or choose the AI: there is no option to bring your own API key, and no option to select or change the underlying model. The assistant is installed and ready as part of the App.
We (and not you) may change or upgrade the AI provider, model, or features at any time, and AI availability is not guaranteed.
The assistant is built to read and explain, not to act. It cannot move, transfer, send, withdraw, or hold money, and it cannot execute transactions or trades — because the App itself does not have that ability (bank connectivity is read-only, via Plaid).
The assistant itself performs no actions on your accounts or money. Where the App offers an in-app action that changes your own data or settings (for example, organising your information), you carry it out yourself with an explicit confirmation step — the assistant may surface or suggest it, but treat anything it suggests as a recommendation to check, not an instruction it will execute for you. You remain in control at all times.
The App offers a "Kid" account mode — a child profile linked to a parent, with restricted features (such as allowance tracking, chores, and a school schedule), and never money movement and never access to other people's precise location without consent.
The AI assistant is not designed for, or directed to, unsupervised use by children. Where a child profile is used, a parent or guardian is responsible for supervising any use of the assistant, and use is subject to the verifiable parental consent and parental-control requirements described in our Privacy Policy and Children's Privacy terms. Children's data is subject to COPPA (US) and comparable laws elsewhere; [COMPANY] and its counsel must confirm the verifiable parental consent mechanism and any AI restrictions applicable to child profiles for each relevant jurisdiction.
When you use the AI assistant, you agree that you will:
The AI assistant is a built-in feature that we provide and operate. There is no personal API key for you to add or remove, and no model for you to choose or swap — the assistant is installed and ready in the App, the same for everyone.
You remain in control of whether you use it:
To the fullest extent permitted by law, the AI assistant is provided "as is" and "as available," without warranties of any kind, express or implied, including any warranty of accuracy, completeness, fitness for a particular purpose, or non-infringement. We do not warrant that the assistant's output will be correct, reliable, current, or suitable for your purposes.
To the fullest extent permitted by law, [COMPANY] is not liable for any loss or harm arising from your reliance on AI output, including financial loss, health consequences, missed deadlines, or decisions made based on inaccurate, incomplete, or outdated information. Nothing in this disclaimer limits any liability that cannot be limited under applicable law. The overall limitations of liability and disclaimers in our Terms of Service also apply. Counsel must confirm the enforceability and required wording of these disclaimers and limitations in each target jurisdiction (including consumer-protection limits in the EU/UK and elsewhere).
We may update this AI Assistant Disclaimer from time to time, for example to reflect changes in AI features or providers. We will post the updated version in the App with a new "Last updated" date and, where required, notify you. Your continued use of the AI assistant after an update means you accept the revised disclaimer.
Questions about the AI assistant or this disclaimer?
[COMPANY]
[ADDRESS]
Email: [CONTACT_EMAIL]
This disclaimer is governed by the laws of [JURISDICTION], as set out in our Terms of Service.
Template only — not legal advice. Have a qualified attorney review and adapt this before any public use.