Last Updated: October 6, 2025

1. Introduction

Welcome to FUTR. These Terms and Conditions (“Terms”) govern your use of the FUTR mobile application and any related services (together, the “Service”).

By creating an Account or using the Service, you confirm that you have read, understood, and agree to these Terms. If you do not agree, you must not use the Service.

These Terms form a legally binding agreement between you (“User,” “you”) and The FUTR Corporation (“FUTR,” “we,” “us,” “our”).

Your use of the Service is also subject to our Privacy Policy, which explains how we collect, use, and protect your information, and sets out your rights under applicable privacy laws.

We may update these Terms from time to time. The date above shows when they were last revised. If we make significant changes, we will take reasonable steps to notify you, such as through the app or by email. Continued use of the Service after updates means you accept the revised Terms.

2. Definitions

For the purposes of these Terms, the following definitions apply:

• Account – the unique profile you create to access and use the Service.
  
  

• AI Agent – the personal artificial intelligence functionality provided by FUTR that analyzes your User Data to provide insights, recommendations, and personalized responses.
  
  

• App – the FUTR mobile application provided by us for download on compatible devices.
  
  

• Content – all information, data, text, images, audio, video, or other material that may be uploaded, downloaded, collected, or made available through the Service.
  
  

• Data Monetization Programs – optional programs offered through the Service that allow Users to share anonymized or aggregated data with FUTR and its partners in exchange for rewards or other benefits.
  
  

• Documents – any personal or related records, including but not limited to receipts, bills, invoices, insurance policies, leases, or financial records, that a User uploads or provides to the Service.
  
  

• Entity – any person, family member, pet, vehicle, residence, organization, or other item or subject that a User is authorized to represent or submit information about.
  
  

• FUTR (“we,” “us,” or “our”) – The FUTR Corporation, the owner and operator of the Service.
  
  

• FUTR Utility Tokens – the digital rewards provided by FUTR to Users for certain activities in the App, which can be redeemed only as described in these Terms and have no cash value outside the Service.
  
  

• Service – the App and all related features, functionality, and services provided by FUTR.
  
  

• Third-Party Services or Providers – any external applications, integrations, or vendors that Users may connect to or interact with through the Service.
  
  

• User (“you” or “your”) – any individual who accesses or uses the Service.
  
  

User Data – all Documents, Content, and any other data that a User uploads, submits, or otherwise provides to the Service, including information used by the AI Agent.

3. Eligibility and Accounts

3.1 Age and Residency

• You must be at least 18 years old, or the legal age of majority in your place of residence, to use the Service independently.
  
  

• The Service is not directed to children under 13, and no one under 13 may create an Account or use the Service.
  
  

• If you are between 13 and the age of majority in your jurisdiction, you may only use the Service with the consent of a parent or legal guardian, where required by applicable law.
  
  

• In the European Economic Area, United Kingdom, and Switzerland, you must be at least 16 years old to use the Service without parental consent, unless local laws allow a lower age (but never below 13).
  
  

• You may only use the Service if you reside in a jurisdiction where FUTR makes the Service available. FUTR may, at its sole discretion, restrict or limit access to the Service in certain regions.
  
  

By using the Service, you confirm that you meet these eligibility requirements. FUTR may suspend or close Accounts that do not comply.

3.2 Account Registration

To use the Service, you must create a FUTR Account. When registering, you agree to provide truthful, accurate, and up-to-date information and to update it as needed.

• Single Account: Each individual may only maintain one Account. You may not create an Account on behalf of someone else or maintain multiple Accounts for yourself. If your Account has previously been terminated or banned, you may not create a new one without FUTR’s permission.

• Documents and Entity Submissions: As part of using the Service, you may upload or provide Documents relating to yourself or an Entity. By doing so, you represent and warrant that:

  
  

  3.2.1 You have the legal right and authority to upload the Documents and share the associated information with FUTR.
  
  3.2.2 The Documents are accurate and relate to you or an Entity you are authorized to represent.

  
  3.2.3 The Documents and any related data do not infringe the rights of any third party, including intellectual property or privacy rights.
  
  

• Storage and Use: FUTR will store all Documents securely in encrypted form. FUTR staff do not have direct access to your Documents. Documents are processed solely to enable your personal AI agent to deliver insights and services, or as otherwise permitted by our Privacy Policy.
  
  

• Verification and Fraud Prevention: FUTR may use automated or manual checks to verify the authenticity of Documents where necessary to prevent fraud, comply with legal obligations, or maintain the integrity of the Service.
  
  
  

3.3 Account Security

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs through your Account. Do not share your password or allow anyone else to access your Account.

If you suspect unauthorized access or a security breach, you must notify FUTR immediately.

FUTR requires the use of strong passwords and, where available, biometric authentication to help protect your Account.

You are solely responsible for any loss or damage resulting from your failure to safeguard your Account, and FUTR is not liable for any such loss.

3.4 Account Ownership

Your FUTR Account and profile are provided for your personal use under these Terms. While you retain full ownership of your User Data, you do not have ownership or property rights in the Account itself, or in the Service’s software, technology, or features.

FUTR and its licensors retain all rights, title, and interest in the Service, excluding your User Data.

FUTR grants you a limited, personal, non-exclusive, revocable license to use the Service for personal, non-commercial purposes in accordance with these Terms.

By uploading or submitting User Data, you grant FUTR a limited license to store, process, and analyze that User Data solely as necessary to operate the Service, including enabling your AI Agent to provide insights, rewards, and other features.

FUTR does not claim ownership over your User Data and will not sell or share your User Data with third parties without your explicit consent, except as described in our Privacy Policy.

4. User Data and Privacy

4.1 Collection and Storage of User Data

FUTR is a personal data platform that allows you to securely store your User Data, train a personal AI agent, and receive insights and rewards.

By using the Service, you may upload or connect User Data to your Account. All data and documents you provide or generate through the Service are considered User Data, and you retain all rights and ownership of this content. FUTR does not claim ownership over your User Data.

4.2 Privacy and Security

FUTR takes privacy and security very seriously. Your User Data is stored in encrypted form, both in transit and at rest, to protect it from unauthorized access.

We use strict access controls so that only you, or those you explicitly authorize, can access your documents. FUTR staff do not have the ability to read or access your personal documents stored in the App.

FUTR follows the principles of data minimization, collecting only the information necessary to provide the Service effectively. In the event of a data breach affecting your personal information, we will notify you and take appropriate action in accordance with our Privacy Policy and applicable laws.

For detailed information on the types of data we collect, how we use it, and how we protect it, please refer to our Privacy Policy.

4.3 Use of User Data for the Service

By uploading or connecting any User Data, you grant FUTR permission to process that data solely for providing the Service to you. This includes:

• Securely storing your User Data;
  
  

• Analyzing documents and other data to enable your personal AI agent to respond to queries;
  
  

• Displaying insights, summaries, or other relevant information.
  
  

We will use your User Data only to operate, maintain, and improve the Service, or as otherwise permitted by our Privacy Policy. FUTR will not access or use the content of your personal files for other purposes without your consent.

You acknowledge that the Service may run automated processes, including AI algorithms, on your User Data to deliver personalized results and recommendations. For example, your FUTR AI agent may parse uploaded bills to answer your questions or summarize key information for your convenience. These automated analyses are part of the Service and occur under your direction.

4.4 User Control and Consent

Your User Data is your property, and you control how it is used. FUTR will never sell or share your personal data with third parties for marketing or research purposes without your explicit opt-in. By default, all information and Documents you store in FUTR remain private and are used solely to provide the Service.

From time to time, FUTR may offer optional features that allow you to share or monetize your data, such as sharing anonymized data with trusted partners or participating in data-driven reward programs. Participation in any such program is entirely opt-in, and you will receive clear information about what data is collected and how it will be used so that you can make an informed choice. If you do not opt in, your personal information will not be shared for these purposes, and no personal data will be used for personalized ads or market research without your consent.

If you opt in to a data sharing or monetization program, you grant FUTR and its designated partners a limited license to use the relevant data only as described at the time of your consent. FUTR will take measures to anonymize or aggregate shared data wherever possible to protect your privacy. For example, we may share statistics or insights derived from User Data, rather than raw personal data, when working with third parties.

Once data has been shared through an opt-in program, the third party may become independently responsible for that data under their own terms or privacy policy. You may revoke your opt-in consent at any time via the app settings, which will stop FUTR from sharing further data. Note that withdrawing consent does not undo uses of data that have already occurred, but FUTR will cease any future sharing.

FUTR believes your data is valuable and should only be used on your terms, for your benefit, and under your full control.

5. Rewards and Data Monetization Program

FUTR allows users to earn rewards by engaging with the Service and sharing or storing their User Data. The following terms apply to any rewards you may earn:

5.1 Earning Rewards

You may earn FUTR Utility Tokens for certain activities in the App, such as uploading Documents, training your AI agent, completing in-app tasks or surveys, referring friends, or participating in opt-in data-sharing programs. Specific earning opportunities and reward values will be communicated in the App and may change over time. Rewards are incentives for participation and have no monetary cost to you.

5.2 No Cash Value & Non-Transferability

FUTR Utility Tokens are not legal tender and have no cash value outside the FUTR platform. They cannot be sold, transferred, or exchanged peer-to-peer. Tokens exist solely to redeem benefits within the Service. You have no ownership rights in Tokens, and FUTR may revoke or adjust Tokens in cases of error, fraud, or termination of the program.

5.3 Redemption

FUTR may offer options to redeem Tokens for goods, services, discounts, or cash equivalents (e.g., offers, gift cards, or transfers to a payment account). Redemption options and rates (e.g., tokens per dollar) will be specified in the App and may change. All redemptions are subject to availability and any additional terms presented at the time of redemption. FUTR reserves the right to modify or discontinue redemption offers at any time without liability.

5.4 Program Changes

The rewards program is offered at FUTR’s discretion and may be amended or terminated at any time. FUTR does not guarantee the continued availability of any reward or redemption option. If the program is discontinued, unredeemed Tokens may expire or be converted to another form of compensation at FUTR’s discretion. FUTR may also impose limits on rewards or adjust values to maintain fairness or account for business changes.

5.5 Account Standing and Forfeiture

To redeem rewards, your Account must be in good standing. If your Account is closed by you or terminated by FUTR, any unredeemed Tokens may be forfeited and will not be paid out.

Accounts inactive for an extended period (24 months) may be deemed dormant, and accumulated Tokens may be voided for maintenance purposes. FUTR will provide notice before taking such action.

5.6 Prohibited Conduct

Fraudulent, abusive, or manipulative behavior in the rewards system—such as using bots, submitting false data, uploading forged Documents, creating multiple Accounts, or any method to earn rewards illegitimately—is strictly prohibited. FUTR may reduce Tokens, disqualify you, or terminate your Account. FUTR’s determination of fraudulent or abusive activity is final. FUTR may also correct any obvious errors in credited Tokens.

5.7 Taxes

You are solely responsible for any taxes arising from rewards you earn or redeem. FUTR does not withhold or report taxes on your behalf. Keep records of your rewards for tax purposes and consult a tax advisor if needed. FUTR is not liable for any taxes or penalties assessed on your rewards.

6. Acceptable Use and User Conduct

When using FUTR, you must adhere to the following rules and commitments:

6.1 Lawful Purposes Only

You agree to use the Service only for lawful purposes and in compliance with all applicable laws and regulations. You may not use FUTR for any illegal, fraudulent, or unauthorized activity, including but not limited to stalking, harassment, identity theft, or violating privacy laws.

6.2 Your Content and Rights

You must only upload or provide User Data that you have the right to use and share. By providing any User Data to FUTR, you represent and warrant that you own the data or have obtained all necessary consents and licenses from the rightful owner to use it in the Service and grant the rights specified in these Terms.

You agree not to upload content that infringes any patent, trademark, trade secret, copyright, privacy, or other proprietary rights of any party. You are solely responsible for the content you provide and any consequences of doing so.

6.3 Prohibited Content

You may not upload or share content that is defamatory, obscene, pornographic, hateful, violent, or otherwise objectionable, or that violates any law. While FUTR does not actively monitor private documents, if it comes to our attention (e.g., through a legal process or user report) that content violates these Terms, we may remove or disable access to such content and/or report it to authorities as required by law.

6.4 No Harmful Code

You may not use the Service to distribute viruses, malware, or harmful code. You may not interfere with or disrupt the integrity or performance of our systems or networks. Attempts to hack, overload, or exploit the Service—including gaining unauthorized access to other users’ data or FUTR’s backend systems—are strictly prohibited.

6.5 No Data Mining or Misuse

You agree not to data-mine, scrape, crawl, or automate access to the Service (aside from legitimate use of our APIs or export features, where present). You may not use any robot, spider, or other device to extract or gather content except as permitted. You also may not reverse engineer, decompile, or derive source code from the Service, nor create derivative works based on it.

6.6 Respect Platform Limits

Do not use the Service in a way that could harm or burden our infrastructure. This includes circumventing usage limits, security measures, or access controls. You agree not to harass or harm any person or Entity, and not to impersonate anyone or misrepresent your affiliation.

6.7 No Competitive Use

You may not use the Service to build a competing product or service, or to replicate FUTR features for competitive purposes. FUTR may restrict or block any usage it believes violates this rule.

6.8 Enforcement and Account Termination

FUTR may suspend or terminate your Account if we reasonably determine that you have violated these rules or engaged in behavior harmful to us or other users. In serious cases, such as illegal activity, we may report you to law enforcement.

For non-egregious violations, we may issue a warning or allow you to remedy the issue. Repeated or severe violations can result in immediate termination without prior notice. If your Account is terminated for violating these Terms, you may forfeit any accumulated rewards, and you will not be allowed to create a new Account. Any attempt to do so will be considered a further breach of these Terms.

7. Intellectual Property Rights

7.1 FUTR’s Proprietary Rights

All rights, title, and interest in and to the Service (excluding your User Data) remain the exclusive property of FUTR and its licensors. This includes software, technology, algorithms, designs, trademarks, logos, graphics, trade secrets, and copyrighted materials. The overall design, user experience, and “look and feel” of the Service are also protected by intellectual property laws. You agree not to copy, modify, distribute, or create derivative works of any part of the Service except as expressly allowed by these Terms. No rights are granted to you beyond what is expressly stated.

7.2 License Rights

As long as you comply with these Terms, FUTR grants you a personal, limited, non-exclusive, non-transferable, and revocable license to use the FUTR app and Service for your own lawful, personal, and non-commercial purposes. This license is intended to let you enjoy the Service’s features as designed. You may not resell, sublicense, distribute, reverse engineer, or attempt to extract the source code of the Service except as allowed by law. All other rights remain with FUTR.

7.3 User Data Ownership

You retain all rights, title, and ownership of the User Data you upload into FUTR. FUTR does not claim ownership of your documents, and nothing in these Terms transfers intellectual property rights in your User Data to FUTR. By using the Service, you grant FUTR and its service providers a limited license to store, process, and analyze your User Data as needed to operate, maintain, and improve the Service (including optional features you choose to enable). FUTR may also create aggregated or de-identified information from User Data to improve our services and analytics, provided such information cannot reasonably identify you.

7.4 Feedback

We welcome your suggestions, comments, and ideas about FUTR (“Feedback”). By sharing Feedback with us, you give FUTR a license to use and incorporate it to improve our products and services. We may build on your ideas, but we are not required to use them, keep them confidential, or provide compensation.

8. Third-Party Services and Links

The FUTR app may include links to third-party websites or services, or allow you to connect your account to third-party providers (for example, linking a bank, utility account, or viewing an offer from an external partner). These third-party services are not under FUTR’s control, and we are not responsible for their content, policies, or practices.

If you choose to access or connect to a third-party service, please be aware that any data you share with them — even if it comes through FUTR — is governed by that third party’s terms and privacy policies, not FUTR’s. For instance, if you share data with a financial partner through FUTR, their use of your data is subject to their policies, and you may need to contact them directly with any questions or concerns.

We provide these links and integrations as a convenience, and the presence of a link or integration does not imply endorsement by FUTR. We strive to work with reputable partners and will request your permission before sharing any personal data with a third party.

Some third-party service providers help FUTR facilitate the Service by accessing and transmitting your data as needed to deliver the Service. By linking such accounts, you authorize these providers to handle your data for this purpose. FUTR will notify you within the app of any such provider involvement and obtain any necessary consents. While we carefully select providers and require strict data security standards, we cannot be responsible for errors or data breaches caused by external services.

9. Disclaimers, Limitation of Liability, and Indemnification

9.1 No Warranties

The FUTR Service is provided on an “as is” and “as available” basis. While we aim to provide a reliable and useful service, we cannot guarantee that the Service will be uninterrupted, error-free, or meet all of your expectations. Your use of the app and any content obtained through it is at your discretion.

The personal AI agent may occasionally produce incorrect or unexpected responses. It provides insights based on your User Data, but we do not guarantee the accuracy, completeness, or suitability of any recommendations. The AI’s output is for general informational purposes and should not be relied upon as professional advice, including financial, legal, medical, or investment decisions. Always use your own judgment or consult a licensed professional.

FUTR disclaims all other warranties to the fullest extent permitted by law, whether express, implied, or statutory, including implied warranties of merchantability, fitness for a particular purpose, or non-infringement. While we implement industry-standard security measures, no system is completely secure, and we cannot guarantee that the app or servers are free from unauthorized access, malicious software, or other security threats.

FUTR may also present content provided by third parties. We do not control or endorse such content and do not provide any warranties regarding it. Interactions or transactions with third-party providers are solely between you and the third party.

9.2 Limitation of Liability

To the fullest extent permitted by law, FUTR and its affiliates, officers, directors, employees, or agents are not liable for any indirect, incidental, special, consequential, or punitive damages arising from your use of the Service or any content obtained through it. This includes lost profits, lost savings, lost or corrupted data, or the cost of substitute services. We are also not responsible for harm to your device or loss of data resulting from the Service.

These limitations do not apply to liability for death or personal injury caused by FUTR’s negligence, or for fraud or fraudulent misrepresentation. FUTR’s total cumulative liability for all claims related to the Service will not exceed the amount (if any) you paid us in the 12 months preceding the claim. For most users, this will be $0, as the app is free to use.

The above limitation applies to all legal theories, including warranty, contract, statute, tort, or otherwise, even if FUTR was aware of the possibility of damages. Some jurisdictions do not allow exclusion or limitation of certain damages; in such cases, liability is limited to the greatest extent permitted by law.

9.3 Indemnification

You agree to indemnify and hold FUTR harmless from any claims, losses, liabilities, or expenses (including reasonable attorneys’ fees) arising from:

9.3.1 Your use of the Service,
9.3.2 Your violation of these Terms, or
9.3.3 Your violation of any third-party rights or applicable laws in connection with the Service.

If a third party makes a claim because of your actions, you are responsible for associated costs and damages. FUTR will notify you and may allow you to assist in the defense, but we reserve the right to assume exclusive control of any matter subject to indemnification, at your expense.

10. Termination

10.1 By You

You may stop using FUTR at any time. You can delete your account through the App’s account settings or by contacting customer support. Once your account deletion is processed, your personal data and Documents will be scheduled for removal from our active systems, except for any data we are required to retain by law or for legitimate business purposes (as outlined in our Privacy Policy). Removal from backups or other storage may not be immediate but will occur during normal data maintenance cycles.

If you delete your account, you will lose access to the Service and any accumulated Rewards or User Data. Unredeemed rewards may be forfeited as noted in the Rewards section above.

10.2 By FUTR

We may suspend or terminate your account or access to the Service at any time, with or without cause, and with or without notice. While we will endeavor to provide notice when feasible, immediate termination may occur in cases such as:

• Violation of these Terms or any FUTR policies

• Extended account inactivity

• Our decision to discontinue the Service (in whole or in part)

• Technical, security, or operational issues
  
  
  

In particular, any breach of the Acceptable Use rules or unlawful behavior may result in immediate termination. Upon termination by FUTR, your right to use the Service will cease, and we may delete your account and all associated User Data. If termination is due to your breach, you are not entitled to compensation or reinstatement of unused Rewards. If we discontinue the Service entirely, we will make reasonable efforts to notify you in advance so you can export your User Data if desired.

10.3 Effect of Termination

Termination of your account results in the immediate loss of access to your account, User Data, and Rewards. FUTR will not be liable for any deletion of User Data, Rewards, or account information following termination, except as required by law.

10.4 Survival

Even after termination, sections of these Terms that by their nature should survive will remain in effect, including but not limited to: disclaimers of warranty, limitations of liability, indemnity, and dispute resolution.

11. Governing Law and Dispute Resolution

11.1 Governing Law

These Terms and any dispute arising out of or relating to the Service or these Terms will be governed by and construed in accordance with the laws of the Province of Ontario, Canada (or, if you reside in the United States, the laws of the State of Delaware), without regard to conflict-of-laws principles. This does not limit any consumer protection rights you may have under the laws of your country of residence.

11.2 Arbitration Agreement

To the fullest extent permitted by law, you and FUTR agree that any dispute, claim, or controversy arising out of or relating to these Terms or the use of the Service will be resolved by binding arbitration on an individual basis, rather than in court. You are waiving your right to a trial by jury and to participate in any class action or representative proceeding.

The arbitration will be conducted by a recognized arbitration organization under its rules for consumer disputes. You may opt out of this arbitration agreement by notifying us in writing within 30 days of first agreeing to these Terms; otherwise, it is binding.

11.3 Class Action Waiver

You and FUTR agree that claims may only be brought in an individual capacity, not as a plaintiff or class member in any class or representative proceeding. The arbitrator may not consolidate claims from multiple users or preside over any form of class action.

If this waiver is found unenforceable, the arbitration agreement will be null and disputes will instead be resolved in court.

11.4 Exceptions

Either party may bring an individual claim in small claims court if eligible. Claims for injunctive or equitable relief regarding intellectual property, or efforts to enforce rights under the arbitration agreement, may also be brought in court. This section does not prevent you from contacting government agencies to seek relief if allowed by law.

11.5 Jurisdiction and Venue

If a dispute is not subject to arbitration (due to opt-out or unenforceability), any lawsuit or court proceeding will be exclusively in the courts located in Toronto, Ontario (for users in Canada or elsewhere) or in the state and federal courts of Delaware (for U.S. users), as appropriate. You and FUTR consent to venue and personal jurisdiction in these courts.

12. Miscellaneous

12.1 Changes to the Service

We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time. This may include adding or removing features, updating the rewards program, or changing pricing (if any). We will try to provide advance notice if a change significantly affects your use of the Service, but this may not always be possible. FUTR is not liable to you or any third party for any modification or discontinuation of the Service or any portion of it.

12.2 Entire Agreement

These Terms (together with the Privacy Policy and any additional guidelines or terms presented to you within the app for specific features) constitute the entire agreement between you and FUTR regarding the Service, and supersede any prior agreements or understandings, whether written or oral. Any additional or different terms you propose (for example, in correspondence) are rejected and will not apply unless expressly agreed in writing by an authorized representative of FUTR.

12.3 Severability

If any provision of these Terms is held to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.

12.4 No Waiver

Our failure to enforce any right or provision of these Terms will not be deemed a waiver of such right or provision. Any waiver must be in writing to be effective.

12.5 Assignment

You may not assign or transfer any of your rights or obligations under these Terms without our prior written consent. FUTR may assign these Terms (in whole or in part) as part of a merger, acquisition, corporate reorganization, or sale of our assets, or by operation of law, and may transfer your account and data to a successor or affiliate as part of such a transaction.

12.6 Contact Information

If you have any questions, concerns, or notices regarding these Terms or the Service, please contact us at support@thefutrcorp.com (or any updated contact posted in the app or website). 

You can also reach us by mail at:

The FUTR Corporation

154 University Ave, Suite 601

Toronto, ON, M5H 3Y9

By using the FUTR app, you acknowledge that you have read and agree to these Terms. 

Thank you for choosing FUTR to help manage and monetize your personal data – we’re committed to putting you in control of your data and its value.