Pro Terms of Service
These are the terms of service for You, LLC Pro.
By using the You, LLC Pro app, you agree to the following terms and conditions.
Last updated: June 18, 2025
Please read these terms and conditions carefully before using Our Service.
Interpretation and Definitions
Interpretation
The words of which the initial letter is capitalized have meanings defined under the following conditions. The following definitions shall have the same meaning regardless of whether they appear in singular or in plural.
Definitions
For the purposes of these Terms and Conditions:
Agreement means this End-User License Agreement that forms the entire agreement between You and the Company regarding the use of the Application.
Application means the software program provided by the Company downloaded by You on any electronic device, named You, LLC Pro
Application Store means the digital distribution service operated and developed by Apple Inc. (Apple App Store) or Google Inc. (Google Play Store) in which the Application has been downloaded.
Affiliate means an entity that controls, is controlled by or is under common control with a party, where "control" means ownership of 50% or more of the shares, equity interest or other securities entitled to vote for election of directors or other managing authority.
Account means a unique account created for You to access our Service or parts of our Service.
Country refers to: United States
Company (referred to as either "the Company", "We", "Us" or "Our" in this Agreement) refers to You, LLC
Content refers to content such as text, images, or other information that can be uploaded, linked to or otherwise made available by You, regardless of the form of that content.
Device means any device that can access the Service such as a cellphone or a digital tablet.
Feedback means feedback, innovations or suggestions sent by You regarding the attributes, performance or features of our Service.
Free Trial refers to a limited period of time that may be free when purchasing a Subscription.
Institution means a single financial entity (e.g., Chase Bank, Citibank). The number of linked institutions determines Subscription tier eligibility.
Service refers to the Application or the Website or both.
Subscriptions refer to the services or access to the Service offered on a subscription basis by the Company to You.
Terms and Conditions (also referred as "Terms") mean these Terms and Conditions that form the entire agreement between You and the Company regarding the use of the Service.
Third-party Social Media Service means any services or content (including data, information, products or services) provided by a third-party that may be displayed, included or made available by the Service.
Website refers to You, LLC, accessible from https://www.youllc.biz
You refers to the main user, being the individual accessing or using the Service, or the company, or other legal entity on behalf of which such individual is accessing or using the Service, as applicable. This definition encompasses both the direct actions of the main user and any actions taken through sub-accounts or additional users set up by the main user under their account. The main user is responsible for ensuring that all sub-accounts or additional users accessing or using the Service under their main account comply with the Terms and Conditions, Privacy Policy, and any other legal agreements associated with the Service.
Acknowledgment
These are the Terms and Conditions governing the use of this Service and the agreement that operates between You and the Company. These Terms and Conditions set out the rights and obligations of all users regarding the use of the Service.
Your access to and use of the Service is conditioned on Your acceptance of and compliance with these Terms and Conditions. These Terms and Conditions apply to all visitors, users and others who access or use the Service.
By accessing or using the Service You agree to be bound by these Terms and Conditions. If You disagree with any part of these Terms and Conditions then You may not access the Service.
You agree not to, and You will not permit others to:
License, sell, rent, lease, assign, distribute, transmit, host, outsource, disclose or otherwise commercially exploit the Application or make the Application available to any third party.
Modify, make derivative works of, disassemble, decrypt, reverse compile or reverse engineer any part of the Application.
Remove, alter or obscure any proprietary notice (including any notice of copyright or trademark) of the Company or its affiliates, partners, suppliers or the licensors of the Application.
Your access to and use of the Service is also conditioned on Your acceptance of and compliance with the Privacy Policy of the Company. Our Privacy Policy describes Our policies and procedures on the collection, use and disclosure of Your personal information when You use the Application or the Website and tells You about Your privacy rights and how the law protects You. Please read Our Privacy Policy carefully before using Our Service. https://www.youllc.biz/pro/privacy
AI & No-Advice Disclaimer
AI-Generated Content. The Service uses artificial-intelligence models to generate insights, summaries, and other outputs ("AI Content"). AI Content is provided solely for informational purposes and does not constitute financial, investment, accounting, tax, or legal advice. You should consult a qualified professional before acting on any AI Content. The Company disclaims all liability arising from reliance on AI Content, and You agree that You use it at Your own risk.
Children's Privacy & Age Restriction
No Users Under 13. The Service is not directed to—and may not be used by—anyone under the age of 13. By using the Service, You represent that You are at least 13 years old and otherwise legally eligible to enter into these Terms. If We learn that a user is under 13, We will delete the associated account and data.
Subscriptions
Subscription period
The Service or some parts of the Service are available only with a paid Subscription. You will be billed on a recurring yearly basis, at a rate depending on the type of Subscription plan you select when purchasing the Subscription.
At the end of each period, Your Subscription will automatically renew under the exact same conditions unless You cancel it or the Company cancels it.
Subscription cancellations
You may cancel Your Subscription renewal at any time. You will not receive a refund for the fees You already paid for Your current Subscription period.
Fee Changes
The Company, in its sole discretion and at any time, may modify the Subscription fees. Any Subscription fee change will become effective at the end of the then-current Subscription period.
The Company will provide You with reasonable prior notice of any change in Subscription fees to give You an opportunity to terminate Your Subscription before such change becomes effective.
Your continued use of the Service after the Subscription fee change comes into effect constitutes Your agreement to pay the modified Subscription fee amount.
Grace Period on Tier Downgrade / Expiry
If Your Subscription lapses or You downgrade below Your current usage, a 14-day grace period applies. During that period You may unlink accounts to comply with the lower tier. Failure to comply results in automatic unlinking and data deletion as described above.
Changes to Message Limits, Pricing, or Features
The Company may modify usage caps, pricing, or features of the Service at any time. Material changes will take effect at the start of Your next Subscription term, after at least 30 days' advance notice sent to the email address on file. Continued use of the Service after such changes become effective constitutes acceptance.
Refunds
Except when required by law, paid Subscription fees are non-refundable.
Certain refund requests for Subscriptions may be considered by the Company on a case-by-case basis and granted at the sole discretion of the Company.
User Accounts
You are responsible for safeguarding the password that You use to access the Service and for any activities or actions under Your password, whether Your password is with Our Service or a Third-Party Social Media Service.
You agree not to disclose Your password to any third party. You must notify Us immediately upon becoming aware of any breach of security or unauthorized use of Your account.
You may not use as a username the name of another person or entity or that is not lawfully available for use, a name or trademark that is subject to any rights of another person or entity other than You without appropriate authorization, or a name that is otherwise offensive, vulgar or obscene.
Security & Phishing
The Company will never request bank login credentials outside the Plaid‐hosted flow embedded in the App. Treat any other request as fraudulent.
Households & Data Visibility
Household Membership
By accepting an invitation to a Household, You acknowledge that all data linked to that Household (including balances, transactions, rules, and exclusions) becomes visible to every current member of the Household.
Subscription Ownership
The Household owner controls billing and may remove members at any time.
Grace-Period Downgrade
When You leave—or are removed from—a Household with an active Subscription, Your linked accounts remain attached to You. If Your new plan does not cover the number of linked institutions, You will have 14 days to upgrade or unlink accounts; after that, We will automatically unlink accounts and permanently delete related transactions. Rules remain intact.
Account Unlinking & Data Deletion
No Recovery. When You unlink an institution or delete Your account, We immediately and irreversibly delete associated transaction data. Deleted data cannot be restored.
Email & Alert Opt-Out; Sensitive Content
Weekly summaries and alerts may include sensitive financial information. You may disable these notifications at any time in the App. The security of emailed content once it leaves Our servers is Your responsibility.
Third-Party Data Sources (Plaid)
The Service relies on third-party data aggregators and financial institutions. Data availability, accuracy, and timeliness are not guaranteed. You are responsible for maintaining valid credentials and completing MFA challenges so that data updates can occur.
Accuracy of Calculations
Calculations, projections, and categorizations may contain errors or omissions. It is Your responsibility to verify all figures before making decisions. The Company is not liable for losses arising from inaccurate or incomplete data.
FinChat Usage & Content Rules
Monthly Limit
FinChat usage is capped at 100 messages per Household per calendar month. Unused messages do not roll over.
Prohibited Content
You must not use FinChat to generate or disseminate unlawful, infringing, or harmful content. The Company may suspend or terminate access for violations and disclaims liability for all FinChat outputs.
Cost Control
The Company may adjust message limits in the future to manage operating costs; reasonable advance notice will be provided.
Content
Content Restrictions
The Company is not responsible for the content of the Service's users. You expressly understand and agree that You are solely responsible for the Content and for all activity that occurs under Your account, whether done so by You or any third person using Your account.
You may not transmit any Content that is unlawful, otherwise objectionable. Examples of such objectionable Content include, but are not limited to, the following:
- Unlawful or promoting unlawful activity.
- Containing or installing any viruses, worms, malware, trojan horses, or other content that is designed or intended to disrupt, damage, or limit the functioning of any software, hardware or telecommunications equipment or to damage or obtain unauthorized access to any data or other information of a third person.
- Infringing on any proprietary rights of any party, including patent, trademark, trade secret, copyright, right of publicity or other rights.
- Impersonating any person or entity including the Company and its employees or representatives.
The Company reserves the right, but not the obligation, to, in its sole discretion, determine whether or not any Content is appropriate and complies with these Terms, refuse or remove this Content. The Company further reserves the right to make formatting and edits and change the manner of any Content. The Company can also limit or revoke the use of the Service if You post such objectionable Content. As the Company cannot control all content posted by users and/or third parties on the Service, you agree to use the Service at your own risk. You understand that by using the Service You may be exposed to content that You may find offensive, indecent, incorrect or objectionable, and You agree that under no circumstances will the Company be liable in any way for any content, including any errors or omissions in any content, or any loss or damage of any kind incurred as a result of your use of any content.
Content Backups
Your data is encrypted at rest when stored on our servers. We use Amazon Web Services for our hosting and storage.
Feature Requests & Bug Reports
By submitting feature requests or bug reports You grant the Company a non-exclusive, royalty-free license to use that feedback without restriction. You assign all rights, title and interest in any Feedback You provide the Company. If for any reason such assignment is ineffective, You agree to grant the Company a non-exclusive, perpetual, irrevocable, royalty free, worldwide right and license to use, reproduce, disclose, sub-license, distribute, modify and exploit such Feedback without restriction.
Modifications to the Application
The Company reserves the right to modify, suspend or discontinue, temporarily or permanently, the Application or any service to which it connects, with or without notice and without liability to You.
Updates to the Application
The Company may from time to time provide enhancements or improvements to the features/functionality of the Application, which may include patches, bug fixes, updates, upgrades and other modifications.
Updates may modify or delete certain features and/or functionalities of the Application. You agree that the Company has no obligation to (i) provide any Updates, or (ii) continue to provide or enable any particular features and/or functionalities of the Application to You.
You further agree that all updates or any other modifications will be (i) deemed to constitute an integral part of the Application, and (ii) subject to the terms and conditions of this Agreement.
Maintenance and Support
The Company does not provide any maintenance or support for the download and use of the Application. To the extent that any maintenance or support is required by applicable law, the Company, not the Application Store, shall be obligated to furnish any such maintenance or support.
Links to Other Websites
Our Service may contain links to third-party web sites or services that are not owned or controlled by the Company.
The Company has no control over, and assumes no responsibility for, the content, privacy policies, or practices of any third party web sites or services. You further acknowledge and agree that the Company shall not be responsible or liable, directly or indirectly, for any damage or loss caused or alleged to be caused by or in connection with the use of or reliance on any such content, goods or services available on or through any such web sites or services.
We strongly advise You to read the terms and conditions and privacy policies of any third-party web sites or services that You visit.
Termination
We may terminate or suspend Your Account immediately, without prior notice or liability, for any reason whatsoever, including without limitation if You breach these Terms and Conditions.
Upon termination, Your right to use the Service will cease immediately. If You wish to terminate Your Account, You may simply discontinue using the Service.
Indemnification
Your Indemnity. You agree to indemnify, defend, and hold harmless the Company, its affiliates, officers, directors, employees, and agents from and against all claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of or in any way connected with (i) Your use or misuse of the Service; (ii) Your violation of these Terms, applicable law, or the rights of any third party; or (iii) any Content You submit or share through the Service.
Limitation of Liability
Notwithstanding any damages that You might incur, the entire liability of the Company and any of its suppliers under any provision of this Terms and Your exclusive remedy for all of the foregoing shall be limited to the amount actually paid by You through the Service or 100 USD if You haven't purchased anything through the Service.
To the maximum extent permitted by applicable law, in no event shall the Company or its suppliers be liable for any special, incidental, indirect, or consequential damages whatsoever (including, but not limited to, damages for loss of profits, loss of data or other information, for business interruption, for personal injury, loss of privacy arising out of or in any way related to the use of or inability to use the Service, third-party software and/or third-party hardware used with the Service, or otherwise in connection with any provision of this Terms), even if the Company or any supplier has been advised of the possibility of such damages and even if the remedy fails of its essential purpose.
Some states do not allow the exclusion of implied warranties or limitation of liability for incidental or consequential damages, which means that some of the above limitations may not apply. In these states, each party's liability will be limited to the greatest extent permitted by law.
Force Majeure
The Company shall not be liable for any delay or failure to perform resulting from causes outside its reasonable control, including acts of God, labor disputes, war, terrorism, epidemics, supply-chain disruptions, power or Internet outages, or governmental actions.
"AS IS" and "AS AVAILABLE" Disclaimer
The Service is provided to You "AS IS" and "AS AVAILABLE" and with all faults and defects without warranty of any kind. To the maximum extent permitted under applicable law, the Company, on its own behalf and on behalf of its Affiliates and its and their respective licensors and service providers, expressly disclaims all warranties, whether express, implied, statutory or otherwise, with respect to the Service, including all implied warranties of merchantability, fitness for a particular purpose, title and non-infringement, and warranties that may arise out of course of dealing, course of performance, usage or trade practice. Without limitation to the foregoing, the Company provides no warranty or undertaking, and makes no representation of any kind that the Service will meet Your requirements, achieve any intended results, be compatible or work with any other software, applications, systems or services, operate without interruption, meet any performance or reliability standards or be error free or that any errors or defects can or will be corrected.
Without limiting the foregoing, neither the Company nor any of the company's provider makes any representation or warranty of any kind, express or implied: (i) as to the operation or availability of the Service, or the information, content, and materials or products included thereon; (ii) that the Service will be uninterrupted or error-free; (iii) as to the accuracy, reliability, or currency of any information or content provided through the Service; or (iv) that the Service, its servers, the content, or e-mails sent from or on behalf of the Company are free of viruses, scripts, trojan horses, worms, malware, timebombs or other harmful components.
Some jurisdictions do not allow the exclusion of certain types of warranties or limitations on applicable statutory rights of a consumer, so some or all of the above exclusions and limitations may not apply to You. But in such a case the exclusions and limitations set forth in this section shall be applied to the greatest extent enforceable under applicable law.
Governing Law
The laws of the Country, excluding its conflicts of law rules, shall govern this Terms and Your use of the Service. Your use of the Application may also be subject to other local, state, national, or international laws.
Binding Arbitration & Class-Action Waiver
Arbitration
Any dispute, claim, or controversy arising out of or relating to the Service or these Terms shall be resolved by binding arbitration administered by the American Arbitration Association under its Commercial Arbitration Rules. Judgment on the award rendered by the arbitrator may be entered in any court of competent jurisdiction.
Class-Action Waiver
You and the Company agree that all claims will be brought only in an individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding.
United States Federal Government End Use Provisions
If You are a U.S. federal government end user, our Service is a "Commercial Item" as that term is defined at 48 C.F.R. §2.101.
United States Legal Compliance
You represent and warrant that (i) You are not located in a country that is subject to the United States government embargo, or that has been designated by the United States government as a "terrorist supporting" country, and (ii) You are not listed on any United States government list of prohibited or restricted parties.
Export Compliance
You may not use, export, or re-export the Service except as authorized by United States law, including without limitation the Export Administration Regulations and Office of Foreign Assets Control sanctions programs. By using the Service, You represent that You are not located in, under control of, or a national or resident of any country or person designated by the U.S. government as restricted or prohibited.
Severability and Waiver
Severability
If any provision of these Terms is held to be unenforceable or invalid, such provision will be changed and interpreted to accomplish the objectives of such provision to the greatest extent possible under applicable law and the remaining provisions will continue in full force and effect.
Waiver
Except as provided herein, the failure to exercise a right or to require performance of an obligation under these Terms shall not affect a party's ability to exercise such right or require such performance at any time thereafter nor shall the waiver of a breach constitute a waiver of any subsequent breach.
Survival of Terms
The following provisions survive termination of these Terms: Indemnification; Limitation of Liability; "AS IS" Disclaimer; Governing Law; Binding Arbitration & Class-Action Waiver; Export Compliance; and any other clauses that by their nature are intended to survive.
Translation Interpretation
These Terms and Conditions may have been translated if We have made them available to You on our Service. You agree that the original English text shall prevail in the case of a dispute.
Changes to These Terms and Conditions
We reserve the right, at Our sole discretion, to modify or replace these Terms at any time. If a revision is material We will make reasonable efforts to provide at least 30 days' notice prior to any new terms taking effect. What constitutes a material change will be determined at Our sole discretion.
By continuing to access or use Our Service after those revisions become effective, You agree to be bound by the revised terms. If You do not agree to the new terms, in whole or in part, please stop using the website and the Service.
Contact Us
If you have any questions about these Terms and Conditions, You can contact us:
- By email: support@youllc.biz