Aurilo Terms and Conditions

Last updated: 22 July 2026

These Terms govern your use of the Aurilo mobile app and related services ("Aurilo", "we", "us"). By creating an account or using Aurilo, you agree to these Terms. If you do not agree, please do not use the app.

1. Eligibility

You must be at least 16 years old (or the age of digital consent in your country, if higher) to use Aurilo. By using the app you confirm that you meet this requirement and that the information you provide is accurate, complete, and kept up to date. Aurilo is for your own personal, non-commercial use.

2. What Aurilo does

Aurilo is a personal finance assistant. You can forward bank and card statement emails to a personal Aurilo address, upload documents, and chat (by text or voice) to review and understand your spending. Aurilo does not connect to your bank, and never asks for your banking credentials.

Aurilo is an informational tool. It does not provide financial, investment, tax, accounting, or legal advice, and nothing it produces should be relied on as such. Any alerts, summaries, or figures Aurilo surfaces may be delayed, incomplete, or wrong, and you should verify anything important against your original statements before acting on it.

3. Your account and security

You are responsible for keeping your login credentials secure and for all activity under your account. Tell us promptly at support@aurilo.app if you believe your account has been compromised or used without your authorisation. You may delete your account at any time from Profile → Delete Account, or via our public account-deletion page.

4. Your content and statements

You retain ownership of the statements, documents, and messages you provide ("Your Content"). You grant us a limited licence to process Your Content solely to operate the service, for example, to extract transactions from a statement and to answer your questions.

You confirm you have the right to share Your Content with us and that doing so does not breach any agreement you have with your bank or a third party.

5. AI-generated output

Some features send Your Content to third-party AI providers to generate responses, categorise transactions, or transcribe voice. AI output can be incomplete or wrong. Always verify important figures against your original statements before acting on them.

6. Acceptable use

You agree to use Aurilo lawfully and responsibly. In particular, you must not:

upload content you have no right to share, or forward statements that belong to someone else without their permission;
break, overload, or interfere with the app or the systems and networks behind it, or place an unreasonable load on them;
attempt to reverse-engineer, decompile, or gain unauthorised access to any part of the service or another user's data;
introduce viruses, malware, or other harmful code, or use bots, scrapers, or automated means to access or copy the service without our permission;
use Aurilo for any unlawful, fraudulent, or abusive purpose, or in a way that harms Aurilo's reputation or other users.

7. Premium

Aurilo may offer optional paid features. Where a paid subscription is offered, its price and billing terms will be shown before you purchase. At launch, premium interest may be collected via a waitlist with no charge.

8. Third-party services

Aurilo relies on third-party providers for hosting, email delivery, AI, and sign-in. Your use of the app is also subject to those providers' handling of data as described in our Privacy Policy. Aurilo may also link to external sites we do not control; we are not responsible for their content or practices.

9. Intellectual property

Aurilo, including the app, its name, logo, design, and all software and content we provide (other than Your Content), is owned by us or our licensors and protected by intellectual-property laws. We grant you a personal, non-exclusive, non-transferable, revocable licence to use the app for its intended purpose while these Terms are in force. You may not copy, modify, distribute, sell, or create derivative works from any part of Aurilo except as these Terms allow or the law permits.

10. Feedback

If you send us feedback, suggestions, or ideas, including when you delete your account, you grant us a perpetual, royalty-free licence to use them to improve Aurilo, with no obligation to you. Please do not include personal or sensitive information in feedback.

11. Disclaimers

Aurilo is provided "as is" and "as available", without warranties of any kind. We do not guarantee that the service will be uninterrupted, error-free, or always available, and we may modify, suspend, or withdraw features at any time. To the fullest extent permitted by law, we disclaim all implied warranties, including merchantability, fitness for a particular purpose, and non-infringement.

12. Limitation of liability

To the fullest extent permitted by law, we are not liable for indirect, incidental, special, or consequential losses, or for loss of profit, data, or goodwill, or for decisions you make based on the app's output. Our total liability to you for any claim arising out of or relating to Aurilo will not exceed the greater of the amount you paid us for the service in the twelve months before the claim, or USD $100. Nothing in these Terms limits liability that cannot be limited by law.

13. Indemnification

To the extent permitted by law, you agree to indemnify and hold us harmless from any claims, losses, or expenses (including reasonable legal fees) arising out of your misuse of Aurilo, your violation of these Terms, or your infringement of any law or third-party right.

14. Suspension and termination

You may stop using Aurilo and delete your account at any time. We may suspend or terminate your access if you breach these Terms, or to protect the service and its users. On termination, your right to use the app ends and we delete your data as described in our Privacy Policy, except anything we are required to keep by law. Sections that by their nature should survive, such as intellectual property, disclaimers, limitation of liability, and indemnification, continue to apply after termination.

15. Electronic communications

By using Aurilo, you agree that we may communicate with you electronically, in the app and by email, and that these communications satisfy any legal requirement that they be in writing.

16. Changes to these Terms

We may update these Terms from time to time. Material changes will be reflected by the "last updated" date above and, where appropriate, notified in-app or by email before they take effect. Continued use after an update means you accept the revised Terms.

17. Governing law and disputes

These Terms are governed by the laws of the jurisdiction in which Aurilo is operated. (Governing-law jurisdiction, operating entity, and any dispute- resolution process to be confirmed before launch.)

18. General

If any part of these Terms is found unenforceable, the rest remains in effect. These Terms are the entire agreement between you and us regarding Aurilo and replace any earlier understanding. Our failure to enforce a provision is not a waiver of it. You may not assign these Terms; we may assign them to a successor (for example, in a reorganisation or sale). We are not liable for failures caused by events beyond our reasonable control.

19. Contact

Questions about these Terms? Email support@aurilo.app.