Snapshot of the source text at fetch time, not a live mirror of the policy page.
Plain-English summary
This review of Flo's Terms of Use highlights significant risks. You are bound by mandatory arbitration and a class action waiver (risk_flags-1), limiting your legal options in disputes. The company disclaims liability for personal injury or death from app use. Flo also gains a broad license to use your content for promotional purposes (risk_flags-3) and can remove your content or access to the app without notice (risk_flags-4). The company is not responsible for the privacy practices of third-party services (risk_flags-5) and disclaims warranties related to translations (risk_flags-6). Additionally, online access to content and the Telehealth Feature can be suspended or discontinued indefinitely without notice (risk_flags-7, risk_flags-8), and comments made in Secret Chats may remain visible even after account deletion (data_use-1).
93% confidence
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Risks to be aware of
6 findings
These findings highlight material risks that could lead to monetary loss, privacy exposure, or legal action.
high95% confidence
Mandatory arbitration and class action waiver
This agreement contains a binding arbitration clause and a class action waiver, which affects how disputes are resolved between you and Flo.
Why it matters: You are waiving your right to go to court and participate in class action lawsuits, which could limit your legal options if a dispute arises with the company.
PLEASE CAREFULLY READ THE BINDING ARBITRATION CLAUSE AND CLASS ACTION WAIVER IN SECTION 25 . IT AFFECTS HOW DISPUTES ARE RESOLVED BETWEEN YOU AND FLO AND INFORMS YOU OF YOUR OPT-OUT RIGHTS.
What’s covered in these terms, paragraph 2 · Citation strength: strong
high95% confidence
Broad license to user-generated 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 providing and operating the App and related services and/or for the company's promotional purposes.
Why it matters: The company can use your submitted content, including personal notes and stories, for their own promotional purposes across various platforms, potentially without further compensation or specific consent for each use.
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
high95% confidence
Company can remove user content and disable access without notice
The company reserves the right to remove or disable any content posted to the App or access to the App at any time, without notice and at their sole discretion, if they determine your content or use of the App is objectionable or violates the agreement.
Why it matters: Your content or access to the app can be removed or disabled by the company at any time, without prior warning, if they unilaterally decide it violates their terms, potentially leading to loss of access to your content or the service.
We reserve the right (but are not required) to remove or disable any content posted to the App or access to the App at any time, in each case without notice and at our sole discretion if we determine in our sole discretion that your content or use of the App is objectionable or in violation this Agreement.
To cancel a white-label Telehealth Provider subscription:, paragraph 1 · Citation strength: strong
medium95% confidence
Company not responsible for third-party privacy practices
The company does not control Third Party Services and is not responsible for their privacy practices or any associated liability.
Why it matters: When using third-party services linked through the app, your personal information may be subject to different privacy practices and the company is not responsible for any issues that arise.
The Company does not control Third Party Services in any manner and, accordingly, the Company is not responsible for the privacy practices of such Third Party Services and does not assume any liability associated with such Third Party Services.
Company disclaims all warranties related to translations
The company disclaims all warranties related to translations, express or implied, including accuracy, reliability, fitness for a particular purpose, and non-infringement.
Why it matters: Translations within the app, powered by machine learning and AI, may be inaccurate or unreliable, and the company takes no responsibility for any issues arising from their use.
FLO DISCLAIMS ALL WARRANTIES RELATED TO THE TRANSLATIONS, EXPRESS OR IMPLIED, INCLUDING ANY WARRANTIES OF ACCURACY, RELIABILITY, AND ANY IMPLIED WARRANTIES FOR FITNESS FOR A PARTICULAR PURPOSE AND NON-INFRINGEMENT.
What’s covered in these terms, paragraph 2 · Citation strength: strong
medium90% confidence
Telehealth Feature may be changed or discontinued at any time
The availability, scope, and functionality of the Telehealth Feature may be changed, expanded, or discontinued at any time.
Why it matters: The Telehealth Feature, including its services and how it functions, may change or be removed at any time without guaranteed notice, potentially disrupting your access to these services.
The availability, scope, and functionality of the Telehealth Feature may be changed, expanded, or discontinued at any time.
These findings explore how your data is collected, used, and shared, and the implications for your privacy.
medium95% confidence
Anonymized Secret Chats comments remain after account deletion
If you delete your account, your comments in Secret Chats will remain visible to other users.
Why it matters: Even if you delete your account, your past comments in Secret Chats will still be publicly visible to other users, meaning your contributions are not fully removed.
All user comments in Secret Chats are posted anonymously. If you delete your account, your comments will remain visible to other users of Secret Chats.
These findings detail the terms related to subscription cancellation, automatic renewals, and refund policies.
?
Not clearly stated
No cited billing terms — wording is unclear
The terms do not clearly state whether subscriptions purchased directly from Flo include a refund policy for the initial purchase, outside of Telehealth Services which have a 72-hour refund window if services haven't been rendered.
Gotchas
All clear
These findings highlight less-obvious clauses that could be unfavorable to users.
✓
Looking good
No hidden gotchas
Verbaterm only flags concerns it can cite. Nothing easy-to-miss stood out in this section.
Protections
3 findings
These findings highlight clauses that are protective or consumer-friendly.
Protection90% confidence
Advance notice for subscription price changes
Flo will communicate any price changes to recurring subscription fees in advance.
Why it helps: You will be informed about upcoming price changes for your subscription, allowing you to decide whether to continue or cancel before the new price takes effect.
Flo may from time to time make changes to subscription, including recurring subscription fees and will communicate any price changes to you in advance.
Subscriptions, billing and cancellations, paragraph 1 · Citation strength: strong
Protection95% confidence
Prorated credit/refund for Telehealth service interruption
If Flo terminates its relationship with a Telehealth Provider or a provider ceases operations, affected subscribers with prepaid subscription time will receive a pro-rated credit or refund for the unused portion of their paid period, where practicable.
Why it helps: If the Telehealth service you've paid for is discontinued due to changes with the provider, you will receive a proportionate refund or credit for the time you won't be able to use the service.
Subscribers with prepaid subscription time that cannot be delivered following such termination will receive a pro-rated credit or refund for the unused portion of their paid period, calculated on a per-day basis by reference to the subscription price divided by the number of days in the applicable billing period.
Refund for white-label Telehealth Services within 72 hours if services not rendered
For white-label Telehealth Providers, you may request a full refund to your original payment method within 72 hours of payment, provided no services have been rendered. Services are considered rendered once a clinician begins reviewing your submitted intake form.
Why it helps: You have a 72-hour window to get a full refund for white-label Telehealth Services if you change your mind and the clinician has not yet started reviewing your intake form.
In case you use white-label Telehealth Providers (such as Hello Alpha), you may request a full refund to your original payment method within 72 hours of payment, provided no services have been rendered. Services are considered rendered once a Hello Alpha clinician begins reviewing your submitted intake form.