The last update: January 21, 2025
These Terms and Conditions (hereinafter “Terms”) govern Your access to and use of the site https://www.aisance.io/ (hereinafter referred to as the "Site") and the Aisance mobile application (collectively referred to as the "Service").
The purpose of the Service is to provide Consumers with access to the Application, which utilizes Artificial Intelligence technologies to collect, analyze, and systematize data for generating Recommendations.
The Service may assist Consumers in analyzing their habits, providing information and tools to optimize their approach to task completion, time management, resource management, or other actions aimed at achieving the Goals set by the Consumers.
The Recommendations obtained through the Service's functionality are purely informational and advisory in nature. They are not mandatory advice or instructions to follow, and their implementation is at the discretion of the Consumer. The Consumer independently evaluates the appropriateness of applying such Recommendations based on their own situation and assumes all risks associated with their use.
The Service is not a financial institution, does not manage Consumers' funds, and does not provide consulting services in finance, accounting, investment, or any other types of professional financial services. Furthermore, the Service does not process transactions or conduct financial monitoring. All information provided by the Service is intended for independent analysis and the optimization of the Consumer's resources and should not be used as the sole basis for making decisions, including financial ones. Consumers are advised to consult qualified professionals (financial advisors, accountants, or lawyers) before making any decisions based on the Recommendations.
This Agreement governs the relationship between Consumers and the owner of the Service, EuroAFF.com S.à. r.l., registration code B280385, located at 1 Rue du Puits Romain, 8070, Bertrange, Luxembourg.
You acknowledge that this Agreement is concluded solely between You and EuroAFF.com S.à.r.l., and not with the Platform. The Platform is not responsible for the Application or its content. You further acknowledge that Your use of the Application must comply with the Platform's Terms of Use.
Please read this Agreement carefully before using the Service. By accepting its terms, You confirm Your agreement to comply with all the rules outlined herein.
In addition to these Terms, Your interaction with the Platform is governed by the Privacy Notice, which provides detailed information on how we collect, store, and process Your data.
This Agreement is deemed accepted by You if You click the "Accept" button or a similar confirmation button during Your use of the Service, explicitly indicating Your agreement to the Terms.
Clicking the "Accept" button is the primary and mandatory means of agreeing to this Agreement. Your consent confirms that You have fully reviewed the Terms, understand them, and agree to comply with them.
If You do not agree with any part of this Agreement, You are not authorized to use the Service, register an Account, or access its functionality.
The Service is available for use only by individuals who have the legal capacity to enter into binding agreements under the laws of their jurisdiction. The use of the Service is prohibited for individuals who have not reached the minimum legal age required by the laws of their country or who fail to meet other legal requirements.
By using the Service, You confirm that:
The Company reserves the right to deny access to the Service to any Consumer if it determines that the Consumer does not meet the above requirements or for other reasons as provided in these Terms.
This section outlines the key terms used in this Agreement to ensure a clear understanding of the Terms.
Application – refers to the mobile application named Aisance, which provides Consumers with access to the Service's functionality through compatible devices running iOS and Android operating systems. The Application is an integral part of the Service and operates in accordance with the terms of this Agreement.
Consumer or You – refers to any individual who interacts with the Service, regardless of whether an Account has been created.
Consumer Data – refers to the information uploaded by the Consumer into the Application or granted access to via Third-party services for processing, analysis, or storage under the terms of this Agreement. Such information may include, but is not limited to, income data, expenses, reports, and other materials necessary for generating Recommendations.
Company or We – refers to the legal entity EuroAFF.com S.à.r.l., incorporated under the laws of the Grand Duchy of Luxembourg, which owns and manages the intellectual property rights for all elements of the Service. The Company develops, maintains, administers, and ensures the functionality of the Site and Application under the terms of this Agreement.
Account – refers to a personalized digital profile created by the Consumer within the Service, enabling identification and access to the Service’s features and functionalities. The Account allows the Consumer to store settings, access Recommendations, manage their data, and interact with the Service in accordance with the terms of this Agreement.
Recommendations – refers to personalized advice, suggestions, or tips generated by the Service based on an analysis of Consumer Data. Recommendations are designed to assist in achieving Goals defined by the Consumer and are for informational purposes only.
Artificial Intelligence (AI) – refers to the algorithms and technologies integrated into the Service that enable automated collection, processing, and analysis of Consumer Data, as well as the generation of Recommendations. AI is a dynamic system that continuously adapts to changes in Consumer behavior to improve the accuracy and relevance of Recommendations.
Package – refers to a predefined set of enhanced features and services within the Service that a Consumer can access through an active Subscription. Packages define the scope of available functionalities, allowing Consumers to optimize their use of the Service to achieve Goals.
Subscription – a recurring or one-time payment arrangement that grants the Consumer access to a selected Package for a specified period. The Subscription remains active for the paid period and can be modified or canceled according to the rules established by the Company and the respective Platform.
Platform – refers to an online marketplace, such as the Apple App Store or similar services, that enables the distribution of the Application, facilitates Subscription management, and allows financial transactions between the Consumer and the Company. Interaction with the Platform is governed both by this Agreement and the applicable terms of use of the respective Platform.
Third-party service – refers to an external service, system, or application that integrates with the Service to process data necessary for generating Recommendations or improving functionality. This may include platforms for data analysis, storage systems, accounting systems, and others.
Goals – refers to individual tasks, plans, or objectives defined by the Consumer within the Service, for which Recommendations are used to achieve them. Goals may include, among others, time optimization, resource management, habit improvement, or other personal achievements. Goals are solely set by the Consumer and are not subject to control or evaluation by the Company.
To gain access to all components of the Service, the Consumer must create an Account by registering in the Application. Registration personalizes the Service for the Consumer, including tailoring Recommendations according to their Goals.
During registration, the Consumer is required to provide accurate, complete, and up-to-date information necessary for creating the Account. The Company may request the email address, password creation, and confirmation of agreement with the terms of this Agreement.
The Consumer is responsible for the confidentiality of their Account information (including the password) and agrees not to disclose it to third parties. In the event of unauthorized access to the Account or suspicion thereof, the Consumer must immediately notify the Company through the contact methods specified in this Agreement.
All actions performed through the Consumer's Account are deemed to have been carried out by the Consumer unless proven otherwise. The Company is not liable for the consequences of actions performed through the Account in case of a breach by the Consumer of the confidentiality of their information.
The Consumer is obligated to promptly update the information provided during registration to ensure it remains accurate and up-to-date. If inaccurate, outdated, or false information is discovered, the Company reserves the right to suspend or restrict access to the Service, notifying the Consumer in advance.
Legal Compliance
To register an Account and use the Service, the Consumer must confirm compliance with applicable legal restrictions. By completing the registration process, the Consumer represents and warrants that:
1. They are not a resident of, located in, or otherwise accessing the Service from a country that is:
2. They are not identified as a restricted or prohibited party under any applicable sanctions or trade control lists, including but not limited to:
If at any time the Company determines that a Consumer does not meet these legal compliance requirements, it reserves the right to suspend or terminate the Account and restrict access to the Service.
The Company provides Consumers with access to the functionality of the Service via the Application after the acceptance of the terms of this Agreement. Access may include basic functionality provided free of charge and advanced features available under the terms of the Packages.
The Company reserves the right to make changes to the functionality of the Service, add new features, remove existing ones, or temporarily or permanently restrict access to certain parts of the Service. Such changes may be aimed at improving the performance of the Service, ensuring its compliance with current legislation, or enhancing the consumer experience.
In the event of technical failures or limitations of access to the Service, the Company will make all reasonable efforts to resolve the issues as quickly as possible. The Company does not guarantee uninterrupted operation of the Service but strives to ensure its stability and meet Consumers' expectations.
The Consumer acknowledges that the Platform has no obligation whatsoever to provide maintenance or support services for the Application.
The Service may interact and exchange data with Third-party services for the preparation of Recommendations and/or to extend its own functionality. All such interactions are conducted in accordance with the Privacy Notice, and the transfer of data to Third-party services may only include information necessary to perform the declared functions, while adhering to principles of anonymity and transparency.
The Application may also include integrations with Third-party services to which the Consumer grants access. These services may be used to collect and process Consumer data necessary for generating Recommendations. The Company does not own, manage, or control Third-party services and is not responsible for their operation or compliance with legal requirements.
Consumer interaction with Third-party services is conducted at the Consumer's own risk. The Company is not a party to any agreements between the Consumer and Third-party services and bears no responsibility for their operation, fulfillment of obligations, or any consequences resulting from such interaction.
Consumers are required to review the terms of use and privacy policies of Third-Party services before engaging with them when they provide access to such services through the Service.
The Consumer has the right to:
The Consumer is obligated to:
The Company has the right to:
The Company is obligated to:
The Company provides Consumers with the option to purchase a Subscription that grants access to a selected Package with extended functionality of the Service. Subscriptions are processed through Platforms in accordance with their rules and procedures. The Subscription terms, including its duration, cost, and list of features, are provided to the Consumer before confirming the subscription. Purchasing a Subscription signifies the Consumer’s full acceptance of the terms of this Agreement and the rules of the relevant Platform.
All payments for Subscriptions are processed through the payment systems of the Platforms. The Company does not store or process the Consumer’s financial data. The Subscription cost is determined at the time of purchase based on the tariffs indicated by the Platform. Additional payment-related fees are the responsibility of the Consumer, unless otherwise specified by the Platform’s terms.
Refunds for Subscriptions are governed by the policies of the relevant Platforms. The Consumer must contact the Platform to resolve refund-related issues. The Company does not provide refunds without prior agreement with the Platform through which the payment was made.
The Company reserves the right to change the terms of the Packages, including their cost, duration, and functionality, for the purpose of improving the Service or adapting to market conditions. Consumers will be notified of such changes in advance via the Application or other available communication channels. In the event of disagreement with the new terms, the Consumer has the right to cancel their Subscription, thereby terminating access to the Package, before the start of the new paid period.
The Consumer can cancel the Subscription through the settings of their Account on the relevant Platform. The cancellation becomes effective after the current paid period ends, unless otherwise specified by the Platform’s rules. The Company is not responsible for any technical or organizational errors of the Platform that may affect the cancellation of the Subscription.
Subscription Packages
To provide flexibility, the Company offers various Packages, each with different levels of access to the Service’s functionality. Consumers can obtain a Subscription to their chosen Package, with details on available features provided within the Application interface before completing the Subscription.
The available Packages may include:
Promotions and Trial Period
Consumers may be eligible for a free trial period of the Premium Package to explore the full functionality of the Service.
Consumers who complete specific Goals within the Free Package may be eligible for discounts on the Premium Package. Details about such promotions are available within the Application interface.
All data, analytical materials, and Recommendations provided through the Service are for informational purposes only. They do not constitute:
THE COMPANY DOES NOT GUARANTEE THE ACCURACY, COMPLETENESS, OR CURRENTNESS OF THE PROVIDED DATA AND RECOMMENDATIONS AND IS NOT RESPONSIBLE FOR THEIR USE IN ANY PERSONAL, PROFESSIONAL, OR COMMERCIAL PURPOSES.
ANY DECISIONS MADE BY THE CONSUMER BASED ON THE DATA RECEIVED THROUGH THE SERVICE ARE MADE EXCLUSIVELY AT THE CONSUMER'S OWN RISK. THE CONSUMER IS OBLIGED TO CONSULT RELEVANT PROFESSIONAL ADVISORS BEFORE MAKING DECISIONS TO ACHIEVE THEIR GOALS.
To the extent permitted by applicable law, the Company shall not be liable for any direct or indirect damages arising from the use or inability to use the Service.
The Service is provided "as is," meaning that the Company does not guarantee uninterrupted or error-free operation of the Service, nor does it guarantee that the Service will meet the Consumer's expectations or specific requirements. Technical failures, delays, or other difficulties arising due to third-party actions or factors beyond the Company's control shall not be grounds for claims.
The Company does not guarantee that the Service complies with legal or regulatory requirements in each individual jurisdiction.
The Company reserves the right to temporarily suspend the operation of the Service for technical maintenance, updates, or other measures necessary to ensure proper functioning. Such measures may be carried out without prior notice to the Consumers.
The Company’s maximum liability in any case shall be limited to the amount paid by the Consumer for access to the Service during the 6 months preceding the submission of the claim. In cases where no payments were made, the Company shall not bear any financial liability.
The Company does not guarantee:
The Company shall not be liable for:
Limitation of Warranties and Platform Liability
In the event that the Application fails to conform to any applicable warranty, the Consumer may contact the Platform to request a refund of the purchase price. However, to the maximum extent permitted by applicable law, the Platform shall have no further warranty obligations with respect to the Application.
In all other cases, any claims, losses, liabilities, damages, costs, or expenses arising from the Application’s failure to conform to any warranty shall be the sole responsibility of the Company, as defined in this Agreement. The Company’s liability shall be limited to the extent permitted by applicable law and subject to the limitations and disclaimers set forth herein.
All rights to the software, algorithms, design, logos, graphic elements, functionality of the Application and the Site, as well as any other intellectual property objects created or used within the operation of the Service, belong exclusively to the Company EuroAFF.com S.à.r.l. or its licensors.
The use of the Service does not grant the Consumer any rights to the intellectual property of the Company, except for the limited right to use the functionality of the Service in accordance with the terms of this Agreement.
Scope of License
The license granted to the Consumer for the Application is a non-transferable, limited license to use the Application solely on devices that support the Platform and are owned or controlled by the Consumer. The Consumer may only use the Application in accordance with the Usage Rules set forth in the Platform’s Terms of Use.
This license does not allow the Consumer to distribute, rent, lease, lend, sell, or sublicense the Application. However, the Application may be accessed and used by other accounts associated with the purchaser through Family Sharing or volume purchasing programs, where applicable.
The Consumer guarantees that the Consumer Data uploaded or provided through the Service does not infringe on the intellectual property, privacy, or other rights of third parties and that it has been obtained in a manner compliant with applicable law.
By uploading Consumer Data to the Service, the Consumer grants the Company an irrevocable, perpetual, transferable, non-exclusive, royalty-free, territorially unlimited license to use this data for processing, analysis, improvement of the Service, development of new features, as well as for marketing and research purposes, within the limits permitted by law.
The Recommendations generated by the Service based on the processing of Consumer Data are the intellectual property of the Company. The Consumer is granted a limited right to use the Recommendations for personal, non-commercial purposes.
The Consumer may not reproduce, distribute, modify, use the Recommendations for commercial purposes, or transfer them to third parties without the prior written consent of the Company.
The Consumer is prohibited from copying, modifying, adapting, distributing, publishing, creating derivative works, or otherwise using the software, design, algorithms, or any other intellectual property of the Service without the prior written consent of the Company.
It is prohibited to remove, hide, or alter any copyright notices, trademarks, or other legal markings placed in the Application or Site.
In the event of a violation of the Company's intellectual property rights, including the unauthorized use of Consumer Data or Recommendations, the Company reserves the right to take measures, including:
The Consumer is obligated to promptly inform the Company of any intellectual property rights violations that come to their attention.
Liability for Third-Party Intellectual Property Rights Infringement
In the event of any third-party claim that the Application or its use infringes upon that third party’s intellectual property rights, the sole responsibility for investigating, defending, settling, and fulfilling any obligations arising from such a claim shall rest with the Company, not the Platform.
The Company shall independently undertake all necessary actions to protect its rights and interests, resolve potential disputes, and comply with any judicial or pre-judicial decisions issued in connection with such claims.
The Platform shall bear no liability for any claims, demands, damages, obligations, expenses, or losses arising from potential or actual intellectual property rights infringements resulting from the use of the Application.
The Consumer is prohibited from engaging in any activities that violate the terms of this Agreement, the applicable laws of the jurisdiction in which the application is used, or generally accepted ethical norms during the use of the Service.
Any violation of this section may result in the restriction of access to the Service, the deletion of the Consumer's Account, as well as the initiation of legal proceedings by the relevant authorities.
Entering harmful or offensive content:
Using the Service for any unlawful purposes, including but not limited to:
Unauthorized access or attempts to access:
Using the Service for the distribution of:
Attempts to:
In the event of violations of the terms of this section, the Company reserves the right to take immediate measures to protect the Service and other Consumers. This may include restricting or suspending access to the Service, deleting the Consumer’s Account, as well as reporting the illegal actions to the competent authorities.
The Company has the right to unilaterally terminate the Consumer's access to the Service or delete their Account in the event of a breach of the terms of this Agreement, use of the Service for unlawful purposes, or actions that harm the Company, other Consumes, or third parties. In cases where a threat to the security of the Service or the Consumer's data is detected, the Company may immediately terminate access without prior notice.
The Consumer has the right to delete their Account at any time through the corresponding feature in the Application.
Deleting the Account results in the termination of access to all features of the Service, including active Subscriptions.
The account deletion procedure includes:
After the confirmation of the request, the account will be deactivated for 30 calendar days (grace period). During the grace period, the Consumer has the right to cancel the deletion request by logging into their Account and confirming the cancellation. If the request is canceled, the Account will be fully restored, including all features and data.
If the deletion request is not canceled during the grace period, the Account and associated personal data of the Consumer will be permanently deleted from the system. Data that can be anonymized will remain in the system for statistical or analytical purposes to improve the functionality of the Service. After the deletion process is complete, the Company will send the Consumer a confirmation of the successful deletion of the Account and data.
Third-Party Beneficiary
The Consumer acknowledges and agrees that the Platform, along with its subsidiaries, is a third-party beneficiary of this Agreement. Upon the Consumer’s acceptance of the terms and conditions herein, the Platform shall have the right (and shall be deemed to have accepted the right) to enforce this Agreement against the Consumer as a third-party beneficiary.
All disputes arising between the Consumer and the Company shall be resolved through negotiations. In the event that a dispute cannot be resolved through negotiations, the parties have the right to refer the dispute to the judicial authorities in accordance with the laws of the Grand Duchy of Luxembourg, unless otherwise provided by this Agreement or applicable law.
The Company reserves the right to make amendments to this Agreement unilaterally.
All amendments to the Agreement will be published on the Website or within the Application interface, and may also be communicated to the Consumer via email or other available communication channels.
Amendments take effect from the moment of their publication, unless otherwise specified in the Agreement. Continued use of the Service by the Consumer after amendments signifies full acceptance of the updated terms.
If any provision of this Agreement is found to be invalid or unenforceable by a court, it will not affect the validity of the remaining provisions, which will remain in force and binding.
The Company has the right to send Consumers informational, promotional, or technical notifications related to the Service via email, SMS, or notifications within the Application. The Consumer has the right to withdraw consent of receiving promotional messages by adjusting their account settings or contacting customer support.
12. CONTACT INFORMATION
If You have any questions regarding this Agreement, please contact our customer support at the following email address: support@aisance.io
We will make every effort to assist You as soon as possible.
