Snapshot of the source text at fetch time, not a live mirror of the policy page.
Plain-English summary
The Flo Terms of Use include a mandatory arbitration clause and class action waiver, limiting your legal recourse. The company also claims broad rights to use your content for promotional purposes (risk_flags-2) and can modify or discontinue app features without obligation (risk_flags-3). Extensive disclaimers of warranties (risk_flags-4) and limitations on liability for damages (risk_flags-5), personal injury, and death (risk_flags-6) are present. Furthermore, you are obligated to indemnify the company for your violations of the agreement (risk_flags-7). Deleting the app does not cancel your subscription (cancellation_renewal-1), and the company can delete your content or ban your access to certain features without notice (gotchas-1).
90% confidence
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Risk Flags
6 findings
Critical issues that need immediate attention or signal a risky overall posture.
high90% confidence
Broad License to User Content for Promotional Purposes
You grant the Company a non-exclusive, transferable, sublicensable, worldwide, royalty-free license to use, copy, exploit, modify, publicly display, publicly perform, create derivative works from, incorporate into other works, change, reformat, and distribute your User Content for promotional purposes, such as displaying it on their website, within the App, in social media, or any other platform on the internet.
Why it matters: The company has extensive rights to use your content, including personal notes and stories, for their promotional activities across various platforms, potentially without further notice or compensation.
By providing your User Content to the App, you (a) grant the Company a non-exclusive, transferable, sublicensable, worldwide, royalty-free licence to use, copy, exploit, modify, publicly display, publicly perform, create derivative works from, incorporate it into other works, change, reformat, and distribute your User Content in connection with providing and operating the App and related services and/or for the Company’s promotional purposes (for example, by displaying on our website, within the App, in social media, on any website or platform in the internet as we may deem appropriate), subject to the Privacy Policy
Licence to User Content, paragraph 1 · Citation strength: strong
high90% confidence
Company Can Modify or Discontinue App Features Without Obligation
The Company may, at any time, cease to operate part or all of the App, selectively disable certain features, or modify or eliminate any features in its sole and absolute discretion without an ongoing obligation or liability to you.
Why it matters: The company can change or remove features of the app at any time, and you are not entitled to the continued provision or availability of the app or its features. This means features you rely on could disappear without warning or compensation.
We may also, at any time, cease to continue operating part or all of the App or selectively disable certain features of the App. Your use of the App does not entitle you to the continued provision or availability of the App. 23.2. Any modification or elimination of the App or any particular features will be done in our sole and absolute discretion and without an ongoing obligation or liability to you.
To cancel a white-label Telehealth Provider subscription:, paragraph 1 · Citation strength: strong
high85% confidence
Extensive Disclaimers of Warranties and Liability
The App is provided "as is" and "as available" without any warranties, including implied warranties of title, non-infringement, merchantability, and fitness for a particular purpose. The company also disclaims that the app will be secure, available, error-free, or that results will meet your requirements.
Why it matters: You are using the app at your own risk, and the company provides no guarantees about its functionality, security, accuracy, or suitability for your needs. This means you have limited recourse if the app does not perform as expected or causes issues.
THE APP IS PROVIDED “AS IS”, “AS AVAILABLE” AND IS PROVIDED WITHOUT ANY REPRESENTATIONS OR WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED, INCLUDING, BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF TITLE, NON-INFRINGEMENT, MERCHANTABILITY, AND FITNESS FOR A PARTICULAR PURPOSE, AND ANY WARRANTIES IMPLIED BY ANY COURSE OF PERFORMANCE OR USAGE OF TRADE, ALL OF WHICH ARE EXPRESSLY DISCLAIMED, SAVE TO THE EXTENT REQUIRED BY LAW.
The company is not liable for any indirect, special, incidental, consequential, exemplary, or punitive damages, including loss of use, profits, or data. Their total liability is limited to the amount you paid for the app or $100 if you had no payment obligations.
Why it matters: Your ability to recover damages from the company is severely limited, even for significant losses like data or profits. This means you might not be fully compensated for harm caused by the app's use or misuse.
IN NO EVENT SHALL THE COMPANY OR ANY OF ITS OFFICERS, DIRECTORS, AGENTS, AFFILIATES, EMPLOYEES, REPRESENTATIVES, SUPPLIERS, PARTNERS, ADVERTISERS, OR DATA PROVIDERS BE LIABLE FOR ANY INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES (INCLUDING BUT NOT LIMITED TO LOSS OF USE, LOSS OF PROFITS, OR LOSS OF DATA) WHETHER IN AN ACTION IN CONTRACT, TORT (INCLUDING BUT NOT LIMITED TO NEGLIGENCE), EQUITY OR OTHERWISE, ARISING OUT OF OR IN ANY WAY CONNECTED WITH THE USE OR MISUSE OF THIS APP.
Disclaimer of Liability for Personal Injury and Death
The company and its associated parties are not liable for any personal injury, including death, caused by your use or misuse of the app.
Why it matters: You cannot hold the company responsible for personal injuries or death resulting from your use or misuse of the app, even if it could be argued that the app contributed to the harm.
NONE OF THE COMPANY OR ANY OF ITS OFFICERS, DIRECTORS, AGENTS, AFFILIATES, EMPLOYEES, REPRESENTATIVES, SUPPLIERS, PARTNERS, ADVERTISERS, OR CONTENT PROVIDERS, OR ANY THIRD PARTIES MENTIONED ON THE APP SHALL BE LIABLE FOR ANY PERSONAL INJURY, INCLUDING DEATH, CAUSED BY YOUR USE OR MISUSE OF THE APP.
You agree to defend, indemnify, and hold the company, its officers, directors, employees, agents, affiliates, and partners harmless from any claims, actions, demands, liabilities, and settlements, including legal fees, arising out of or resulting from your violation of the agreement.
Why it matters: If you violate the terms of the agreement, you may be responsible for the company's legal costs and any damages they incur due to your actions. This shifts potential legal and financial burdens onto you.
You agree to defend, indemnify, and hold the Company, its officers, directors, employees, agents, affiliates, representatives, licensors, suppliers, partners, advertisers and content providers, harmless from and against any claims, actions, demands, liabilities and settlements including without limitation, reasonable legal and accounting fees, arising out of or resulting from, or alleged to result from, your violation of this Agreement.
To cancel a white-label Telehealth Provider subscription:, paragraph 1 · Citation strength: strong
Data Use
All clear
How the company collects, uses, shares, and protects your data.
✓
Looking good
No data-use concerns flagged
Verbaterm only flags concerns it can cite. No source-backed data-use findings are shown here.
Cancellation & Renewal
1 finding
Terms about how subscriptions renew, how to cancel, and refund policies.
medium95% confidence
Deleting the App Does Not Cancel Subscription
Deleting the Flo App does not cancel your subscription; you will still be charged. To stop being charged, you need to cancel your subscription separately.
Why it matters: You may continue to be charged for a subscription even if you delete the app from your device, leading to unexpected costs if you don't follow the separate cancellation process.
DELETING THE FLO APP DOES NOT CANCEL YOUR SUBSCRIPTION. Even if the app is gone from your phone, you will still be charged. To stop being charged, you need to cancel your subscription separately.
Subscriptions, billing and cancellations, paragraph 1 · Citation strength: strong
Gotchas
1 finding
Potentially surprising or unfair clauses that may not be immediately obvious.
medium85% confidence
Company Can Delete User Content and Ban Access to Secret Chats Without Notice
The Company reserves the right to delete any inappropriate or irrelevant comments or materials, delete or modify comments containing personal data, and restrict or ban your access to Secret Chats at any time and without notice if it determines that the content or use violates the agreement.
Why it matters: Your comments and access to Secret Chats can be removed or blocked without prior warning if the company deems it a violation, potentially leading to loss of your content and access to the feature.
At our sole discretion, we reserve our right to: Delete any inappropriate or irrelevant comments or materials; Delete or modify comments containing personal data, such as name, address, or email; Restrict or ban your access to Secret Chats at any time and without notice if we determine that the content or use of Secret Chats is in violation of this Agreement;
Terms that protect you or provide you with user-favorable rights.
Protection95% confidence
No Collection of Personal Information from Children Under 13 (or 16 in EEA/UK)
The company states that they do not knowingly collect personal information from children under 13, or under 16 for residents of the European Economic Area and the United Kingdom.
Why it helps: This commitment helps protect the privacy of young users by explicitly stating that their personal data will not be knowingly collected, aligning with child privacy regulations.
We do not knowingly collect personal information from children under 13 (16 for European Economic Area and United Kingdom residents).
What’s covered in these terms, paragraph 2 · Citation strength: strong
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