Terms of Service

1.Eligibility

You must be at least 18 years old, or the age of majority where you live if that is higher, to create an Oly account. Oly connects to bank accounts and handles financial and health information, so it is not available to minors. By using the Services, you represent that you meet this requirement. You may browse the public pages of this website at any age subject to the Privacy Policy.

Accounts are for individuals. If you are 17 or younger, please do not create an account. We may close any account we learn belongs to someone under 18.

2.Subscriptions and Billing

During the beta, using Oly requires a Beta Pro subscription. The other plans listed on the pricing page, including Free, open at full launch, and their prices there are launch prices.

Your first payment is charged when you subscribe, and your subscription renews at the price shown when you signed up until you cancel. A promo code gives free months on a monthly plan, as shown when you use it, and does not change these Terms.

During the beta, people who subscribe to Pro receive Beta Pro, which is priced below the plans offered at full launch. Beta Pro subscribers keep their beta plan and price after launch for as long as they stay subscribed without a break. If you cancel and later subscribe again, you can only choose from the plans offered to the public at that time. We may pause billing on an account that has been inactive for a long time instead of cancelling it, and we will email you before we do.

Subscriptions are billed in advance on a monthly or annual basis.

Subscriptions automatically renew at the end of each billing period, for the same period and at the then current price, until you cancel. You authorize us and our payment processor to charge your payment method on each renewal. To avoid being charged for the next period, cancel before the renewal date.

You may cancel at any time through your account settings, in the same place and with the same ease as subscribing. After you cancel you keep access until the end of the period you already paid for, and you are not charged again. Cancelling does not refund the current billing period. We email you when you cancel and again 3 days before your access ends.

If a payment fails, you keep full access for 7 days from the first failure while we retry the payment, and we email you once when this starts. If the payment still has not gone through after 7 days, your plan has ended. When your plan has ended, for any reason (including a refund), your account opens in read only mode, shown as "Plan ended". You can look at everything, but you cannot add or change anything, and chat is paused. We do not delete your data because your plan ended, and Export my data keeps working. Bank syncing stops, and if you do not subscribe again we remove the connection to your banks 30 days after your plan ends (we email you on day 23). Your accounts and transactions stay readable, and subscribing again within the 30 days resumes syncing.

We offer a 7 day refund on the first charge of any plan, monthly or yearly. A refund ends your access to that paid plan. Because AI features cost us money every time they are used, a refund is available only if your use of the Services during that period was light, and we may decline a refund for heavy use. We may also decline refunds to accounts that repeatedly subscribe and ask for refunds. After the 7 days, all payments are non-refundable except where required by law. Charges are in U.S. dollars unless stated otherwise, and you are responsible for any applicable taxes.

Prices can change. We will email you at least 30 days before a price increase applies to your subscription, and you can cancel before it takes effect. We will also email you a reminder before a yearly subscription renews. Any promotional or launch price may end or change as described when it is offered.

We reserve the right to suspend or terminate accounts for failed payments or suspected abuse of the billing system.

A student plan will open at full launch and will require verification, such as a school email address. We may end student pricing if eligibility cannot be confirmed.

3.Acceptable Use

You agree to use the Services only for lawful purposes and in accordance with these Terms. You agree not to:

• Use the Services to engage in any illegal activity
• Attempt to gain unauthorized access to our systems or another user's account
• Upload or transmit malicious code, viruses, or any content designed to disrupt the Services
• Scrape, crawl, or harvest data from the Services without our written permission
• Reverse engineer, decompile, or disassemble any part of the Services
• Use the Services to harass, threaten, or harm any individual
• Use the Services in any way that could damage, overburden, or impair our infrastructure
• Misrepresent your identity or affiliation
• Resell, sublicense, or transfer access to the Services without our written permission

We reserve the right to suspend or terminate your access if we determine, in our sole discretion, that you have violated these terms.

4.Service Availability

We do not guarantee that the Services will always be available, uninterrupted, or error free.

Features may change, be modified, or be discontinued at any time without notice.

We are not responsible for any loss of data or disruption caused by outages, maintenance, or changes to the Services.

5.Intellectual Property

The Services, including all software, design, branding, and content created by us (excluding your User Content), are owned by John Brown Creations and protected by applicable intellectual property laws.

You may not reproduce, distribute, modify, create derivative works of, publicly display, or otherwise exploit any part of the Services without our prior written permission.

6.Privacy

Your use of the Services is also governed by our Privacy Policy, which is incorporated into these Terms by reference. We are committed to protecting your privacy and will never sell your personal data.

7.Disclaimers

THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND.

TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

WE DO NOT WARRANT THAT THE SERVICES WILL BE UNINTERRUPTED, ERROR FREE, OR COMPLETELY SECURE.

FINANCIAL DATA, HEALTH DATA, AND AI GENERATED CONTENT ARE PROVIDED FOR INFORMATIONAL PURPOSES ONLY AND DO NOT CONSTITUTE PROFESSIONAL ADVICE.

WE ARE NOT A FINANCIAL INSTITUTION, FINANCIAL ADVISOR, OR HEALTHCARE PROVIDER.

YOU ARE RESPONSIBLE FOR VERIFYING ANY INFORMATION BEFORE RELYING ON IT.

8.Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW, JOHN BROWN CREATIONS AND ITS OPERATORS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES.

THIS INCLUDES BUT IS NOT LIMITED TO LOSS OF DATA, FINANCIAL LOSS, MISSED OPPORTUNITIES, OR RELIANCE ON AI GENERATED OUTPUT.

WE ARE NOT LIABLE FOR DAMAGES RESULTING FROM:

• INACCURATE OR INCOMPLETE FINANCIAL DATA
• AI GENERATED RESPONSES OR RECOMMENDATIONS
• THIRD PARTY SERVICES INCLUDING PLAID, STRIPE, OR AI PROVIDERS
• SERVICE INTERRUPTIONS OR DOWNTIME

OUR TOTAL LIABILITY SHALL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID IN THE LAST 12 MONTHS OR $50 USD.

Some jurisdictions do not allow the exclusion of certain warranties or limitation of liability. In such cases, the above limitations apply to the maximum extent permitted by law.

9.Indemnification

You agree to indemnify, defend, and hold harmless John Brown Creations and its operators from and against any claims, liabilities, damages, losses, and expenses arising out of or in any way connected with your use of the Services, your violation of these Terms, or your violation of any rights of another person or entity.

10.Governing Law and Disputes

These Terms are governed by the laws of the State of New York, United States, without regard to its conflict-of-law provisions.

Informal resolution first. Before starting any formal proceeding, please contact us at support@olysecretary.com and give us 30 days to try to resolve the issue.

Courts. If we cannot resolve a dispute informally, it will be decided in the state or federal courts located in Broome County, New York, and you and we both agree to those courts. Small claims court is always available to either of us.

If you are a consumer located in the European Union or United Kingdom, you may have additional rights under local law, and mandatory consumer protection rules may apply.

11.Changes to These Terms

We may update these Terms from time to time. When we do, we will revise the "Last updated" date and notify you via email or in-app notice for material changes. Continued use of the Services after changes take effect constitutes your acceptance of the updated Terms.

12.General Terms

• Entire agreement: These Terms and the Privacy Policy are the entire agreement between you and us about the Services.
• Severability: If any part of these Terms is found unenforceable, the rest stays in effect.
• No waiver: If we do not enforce a right, that is not a waiver of it.
• Assignment: You may not assign these Terms without our consent. We may assign them in connection with a merger, acquisition, or sale of assets.
• Events beyond our control: We are not liable for delays or failures caused by events outside our reasonable control, including outages of third party providers.
• Notices: We may give notice by email to the address on your account or by posting in the Services. You may contact us at the address below.
• Survival: Sections that by their nature should survive termination will survive, including ownership, disclaimers, limits of liability, indemnification, and dispute resolution.

13.Contact Us

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

John Brown, doing business as John Brown Creations
11 Patricia St Unit 15, Binghamton, NY 13905
contact@johnbrowncreations.com
For Oly: support@olysecretary.com

Also see our Privacy Policy.