Terms of Use

ACCEPTANCE OF TERMS

These Terms of Use ("Terms") constitute a legally binding agreement between you and Hubly LLC ("Company," "we," "us," or "our") regarding your use of the Healio mobile application ("App," "Service," or "Platform").

By downloading, installing, accessing, or using the App, you agree to be bound by these Terms. If you do not agree to these Terms, you must not use the App.

DESCRIPTION OF SERVICE

Healio is an AI-powered mental wellness and journaling application that provides:

• Conversational AI support for personal reflection and emotional processing
• Journaling features with AI-generated summaries
• Goal-setting and tracking tools
• Mood tracking and analytics

THE SERVICE IS NOT:

• Medical or mental health treatment
• Crisis intervention or emergency response
• A replacement for licensed therapy or counseling
• Diagnosis or treatment recommendations
• Professional medical, psychological, or psychiatric advice

ELIGIBILITY AND ACCOUNT REQUIREMENTS

AGE REQUIREMENTS:

You must be at least 13 years old to use this App. If you are between 13 and 18 years old, you must have permission from a parent or legal guardian to use the Service.

MENTAL HEALTH CRISIS:

This App is NOT intended for individuals currently experiencing a mental health emergency, active suicidal ideation, psychosis, or severe psychiatric symptoms. If you are in crisis, please contact emergency services immediately.

ACCOUNT SECURITY:

You are responsible for maintaining the confidentiality of your account credentials and for all activities under your account.

SUBSCRIPTION TERMS AND BILLING

SUBSCRIPTION PLANS:

Healio offers the following subscription options:

• Weekly Subscription (auto-renewing)
• Annual Subscription (auto-renewing)
• Lifetime Purchase (one-time payment)

AUTO-RENEWAL:

Weekly and annual subscriptions automatically renew unless canceled at least 24 hours before the end of the current period. You will be charged through your Apple App Store or Google Play Store account.

CANCELLATION:

You may cancel your subscription at any time through your device's subscription settings. Cancellation takes effect at the end of the current billing period.

REFUNDS:

All purchases are subject to Apple's and Google's refund policies. We do not directly process refunds. Contact Apple App Store or Google Play Store for refund requests.

PRICE CHANGES:

We reserve the right to modify subscription prices. Price changes will not affect your current subscription period but will apply upon renewal.

USER RESPONSIBILITIES AND PROHIBITED CONDUCT

You agree NOT to:

• Use the App as a substitute for professional mental health care
• Share sensitive personal health information that requires HIPAA protection
• Attempt to reverse engineer, decompile, or extract source code
• Use automated systems or bots to access the Service
• Upload malicious code, viruses, or harmful content
• Violate any applicable laws or regulations
• Harass, abuse, or harm others through the Service
• Impersonate any person or entity
• Share your account credentials with others

PRIVACY AND DATA USAGE

Your use of the App is also governed by our Privacy Policy, which is incorporated into these Terms by reference. Please review our Privacy Policy to understand how we collect, use, and protect your data.

NOT HIPAA COVERED:

We are NOT a HIPAA-covered entity. Your conversations and data are NOT protected under HIPAA regulations. Do not share information that requires HIPAA protection.

AI TRAINING:

Your conversations may be used to improve our AI models and services. We take measures to protect your privacy, but anonymized data may be used for machine learning purposes.

INTELLECTUAL PROPERTY

All content, features, and functionality of the App, including but not limited to text, graphics, logos, icons, software, and AI models, are the exclusive property of Hubly LLC and are protected by United States and international copyright, trademark, and other intellectual property laws.

You retain ownership of the content you create through journaling and conversations. However, by using the Service, you grant us a non-exclusive, worldwide, royalty-free license to use, store, and process your content to provide and improve the Service.

DISCLAIMERS AND LIMITATIONS OF LIABILITY

AS-IS BASIS:

THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, OR NON-INFRINGEMENT.

NO MEDICAL ADVICE:

WE MAKE NO WARRANTIES OR REPRESENTATIONS ABOUT THE ACCURACY, RELIABILITY, OR COMPLETENESS OF AI-GENERATED CONTENT. AI RESPONSES ARE NOT MEDICAL ADVICE AND SHOULD NOT BE RELIED UPON FOR HEALTH DECISIONS.

LIMITATION OF LIABILITY:

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HUBLY LLC, ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR USE, ARISING OUT OF OR RELATED TO YOUR USE OF THE APP, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

MAXIMUM LIABILITY:

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU EXCEED THE AMOUNT YOU PAID US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR $100, WHICHEVER IS GREATER.

INDEMNIFICATION

You agree to indemnify, defend, and hold harmless Hubly LLC and its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use or misuse of the App
• Your violation of these Terms
• Your violation of any rights of another party
• Your violation of any applicable laws or regulations

TERMINATION

We reserve the right to suspend or terminate your access to the App at any time, with or without notice, for any reason, including but not limited to violation of these Terms or fraudulent activity.

Upon termination, your right to use the App will immediately cease. Provisions of these Terms that by their nature should survive termination shall survive, including but not limited to ownership provisions, warranty disclaimers, and limitations of liability.

GOVERNING LAW AND DISPUTE RESOLUTION

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

ARBITRATION AGREEMENT:

Any dispute, claim, or controversy arising out of or relating to these Terms or the App shall be resolved by binding arbitration in accordance with the American Arbitration Association's Commercial Arbitration Rules. The arbitration shall be conducted in Connecticut.

CLASS ACTION WAIVER:

You agree that any arbitration or proceeding shall be limited to the dispute between you and us individually. To the full extent permitted by law, no arbitration or proceeding shall be joined with any other, and there is no right or authority for any dispute to be arbitrated on a class-action basis.

CHANGES TO TERMS

We reserve the right to modify these Terms at any time. We will notify you of material changes by updating the "Last Updated" date at the top of these Terms and/or by sending you a notification through the App.

Your continued use of the App after any changes constitutes your acceptance of the revised Terms. If you do not agree to the modified Terms, you must stop using the App.

SEVERABILITY AND ENTIRE AGREEMENT

If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

These Terms, together with our Privacy Policy, constitute the entire agreement between you and Hubly LLC regarding the use of the App and supersede all prior agreements and understandings.

CONTACT INFORMATION

For questions, concerns, or notices regarding these Terms, please contact us at: