Effective Date: 22 October 2025
1. Agreement overview
1.1 Agreement Composition: This document, along with our Privacy Policy and any referenced policies, forms the agreement between Fleur Wharton, Aanya Tashfeen, Paperfly ("Paperfly App", "we," "us," or "our") and you ("you," "your," or "Customer"). The Agreement applies to your use of the Paperfly Services. The latest version of this Agreement is published on our website and governs each use of the Paperfly Services. By continuing to use our services, you accept any changes made to this Agreement.
1.2 Acceptance: By using Paperfly Services, you agree to the latest version of this Agreement.
2. Paperfly Services
2.1 Service Provision: We will use reasonable efforts to provide the services described when you downloaded the app from the Apple App Store. This may include the use of AI-powered tools such as AI financial advisor agents, which form part of the Paperfly Services.
2.2 Customer Responsibilities: You are responsible for the use of the Paperfly Services, including determining users and guest users and their permissions, and managing your content.
2.3 Third-Party Providers (3PP): If a third party facilitates your access to Paperfly Services, you warrant that the third party is authorized to act on your behalf. Both you and the third party are liable for costs incurred.
3. Privacy and confidentiality
3.1 Our Commitment:
We will not disclose your confidential or personal information, except as necessary for service provision, legal requirements, or with your permission.
We will maintain appropriate security measures to protect your information.
We will comply with applicable privacy laws, including the General Data Protection Regulation (GDPR), the UK General Data Protection Regulation (UK GDPR), the California Consumer Privacy Act (CCPA)/California Privacy Rights Act (CPRA), the Washington My Health My Data Act (MHMDA), and the Australian Privacy Act 1988(specifically the Australian Privacy Principles (APPs)). We will adhere to any necessary Data Processing Agreements (DPAs) or Standard Contractual Clauses (SCCs) required by those laws.
3.2 Your Commitment:
Ensure you have the necessary rights and consents to allow us to handle your content.
Comply with privacy laws related to your content.
Do not disclose our confidential information without permission.
Do not attempt to disassemble or reproduce our software, website or content.
4. Intellectual property rights
4.1 Limited License: We grant you a non-exclusive, revocable license to use Paperfly Services as permitted by this Agreement. This license does not grant ownership rights or access to source code.
4.2 Restrictions: You may not share, modify, or reverse engineer our services or works, or circumvent any fee structures or security measures.
5. Termination
5.1 Term and Renewal: The Agreement remains in effect for the duration your account is active. Your account will remain active unless you choose to deactivate it.
5.2 Termination for Cause: Either party may terminate this Agreement for material breach or insolvency of the other party.
6. Limitation of liability
6.1 Exclusions: To the maximum extent permitted by law, we exclude all implied guarantees, warranties, and conditions.
6.2 Liability Cap: Our maximum liability for all claims is limited to the amounts paid by you under this Agreement in the last twelve months. We are not liable for any direct, indirect, incidental, or consequential damages arising from the use of our services. This includes, but is not limited to, damages for loss of profits, data or other intangible losses.
6.3 Indemnification: You indemnify us against third-party claims arising from your breach of this Agreement or your content.
6.4 Disclaimer of Liability
Paperfly provides its services, including any data, recommendations, or information, on an "as-is" and "as-available" basis. We make no representations or warranties of any kind, express or implied, regarding the accuracy, completeness, or reliability of the data or recommendations provided. You acknowledge and agree that any actions or decisions you make based on your use of Paperfly Services or information are at your own risk. Paperfly shall not be liable for any inaccuracies, errors, or omissions in the data or recommendations provided, nor for any actions, decisions, or outcomes resulting from your use of our services.
7. Dispute resolution
7.1 Mediation: In the event of any dispute arising out of or in connection with this Agreement, the parties agree to first meet and discuss the matter in good faith within fifteen (15) business days of one party notifying the other of the dispute. If the dispute is not resolved through discussion, the parties agree to proceed to mediation. The mediation shall be conducted by an independent mediator, mutually agreed upon by the parties. The costs of the mediator shall be shared equally between the parties.
8. Miscellaneous
8.1 Governing Law and Jurisdiction:
(a) Governing Law: This Agreement and any non-contractual obligations arising out of or in connection with it shall be governed by and construed in accordance with the laws of the State of California, United States of America, without regard to its conflict of laws principles.
(b) Jurisdiction/Venue (Exclusive): The parties irrevocably agree that the exclusive jurisdiction for any dispute arising out of or relating to this Agreement shall be in the state and federal courts located in the County of San Francisco, California. Each party hereby consents to the personal jurisdiction and venue of these courts.
(c) Waiver of Forum Non Conveniens: Each party waives any objection to the laying of venue in the courts identified in paragraph (b) and agrees not to assert the defense of forum non conveniens in any such dispute.
8.2 Entire Agreement: This Agreement constitutes the entire agreement between the parties and supersedes prior communications.
8.3 Assignment: You may not assign this Agreement without our written consent. We may assign this Agreement in connection with an internal restructuring or business sale.
8.4 Amendments: We may update this Agreement as our business evolves, providing reasonable notice before changes take effect.
9. Contact Us
If you have any questions about these terms, please contact us at:
We take privacy seriously and will respond to your enquiries and complaints promptly.