Terms of Use
1. About these Terms
These Terms of Use ("Terms") are an agreement between you and FF Family LTD ("FF Family", "we", "us"), a company registered in Israel (Company No. 517355863). They govern your use of our applications and websites, currently FF Life, FF Business, and FF Grows, and any related services (together, the "Service").
By creating an account, or by using the Service, you agree to these Terms and to our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Service.
2. What the Service is (and is not)
FF Family is a set of tools that help you see and organize your own financial picture calmly and clearly. Important:
- We are not a bank and not a payment service. We never connect to your bank accounts, never hold or move your money, and are never a payment rail. You enter your own information; the Service does the math and shows it back to you.
- We do not provide investment advice, investment marketing, or portfolio management within the meaning of the Israeli Regulation of Investment Advice, Investment Marketing and Portfolio Management Law, 5755-1995, and we hold no license thereunder. We likewise do not provide pension, tax, accounting, or legal advice. The Service and any educational or coaching content are general financial education and behavioral guidance only; they are not tailored to your personal circumstances, do not recommend any specific security, fund, pension product, or transaction, and should not be relied on as professional advice. Decisions are yours; for advice about your situation, consult a duly licensed professional.
- Information is research-informed, not guaranteed. We design using published research, but we do not promise any particular financial, educational, or wellbeing outcome. The Service is not a medical, therapeutic, or mental-health tool.
3. Eligibility and accounts
- Access. The Service is currently offered on an invite-only basis (alpha/beta). We may open or limit access at our discretion.
- Age. You must be at least 18 years old to create your own account. FF Grows is designed for children, who may use it only through an account created and supervised by a parent or legal guardian; the guardian accepts these Terms on the child's behalf, is responsible for the child's use, and may review and delete the child's data at any time. Minors aged 16–17 may use FF Life only with the documented consent of a parent or legal guardian.
- Your account. Provide accurate information, keep your password secure, and you are responsible for activity under your account. One account per person. Tell us promptly of any unauthorized use.
4. Your information and content
- You own your data. The financial entries, notes, and other content you create remain yours. You grant us a limited license to store and process them solely to operate and improve the Service, as described in the Privacy Policy.
- Accuracy. You are responsible for what you enter. The Service reflects the information you provide; it cannot verify it.
- Others' data and connections. Some features let you connect with family members, friends, clients, or suppliers and share specific data. Only share data you have the right to share, and only connect with people you intend to. You are responsible for your connections and what you choose to share.
5. Acceptable use
You agree not to: use the Service unlawfully or for fraud; use it to provide regulated financial advice or other regulated services to others; upload others' personal data without a right to do so; attempt to disrupt, overload, reverse-engineer, scrape, or gain unauthorized access to the Service; or misuse connection and sharing features. We may suspend accounts that violate these Terms.
6. Fees, plans, and payments
The Service is free during the current soft-launch period. We may introduce paid plans in the future. If we do, we will present the price, billing cycle, renewal, cancellation, and refund terms clearly before any charge applies, and obtain your explicit agreement. Paid plans (when offered) will comply with the Israeli Consumer Protection Law, 5741-1981, including its distance-selling and cancellation provisions; auto-renewal, if used, will be disclosed prominently with a simple cancellation path. Billing will run through a third-party payment provider; applicable taxes (e.g., VAT) may apply; invoices will be issued by FF Family LTD.
7. The Service is evolving
The Service is in active development (alpha/beta). Features may change, be added, or be removed, and availability is not guaranteed. We may modify or discontinue parts of the Service. We aim to give reasonable notice of significant changes.
8. Intellectual property
The Service, its software, design, brand, and content (excluding your data) are owned by FF Family LTD and protected by law. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your personal or internal business use under these Terms. If you give us feedback, you grant us a license to use it without obligation to you.
9. Disclaimers
The Service is provided "as is" and "as available." To the extent permitted by applicable law, and without derogating from rights that Israeli consumer-protection law grants consumers notwithstanding any agreement, we do not warrant that the Service will be uninterrupted or error-free, or that any result, financial or otherwise, will be achieved. The Service is not professional advice and not a medical or therapeutic tool.
10. Limitation of liability
To the extent permitted by applicable law: (a) FF Family LTD will not be liable for indirect, incidental, special, or consequential damages, or for lost profits, lost data, or loss of goodwill, arising from or related to the Service; and (b) our total aggregate liability for all claims arising from or related to the Service will not exceed the greater of (i) the amounts you paid us for the Service in the 12 months preceding the claim, and (ii) ₪500. Nothing in these Terms limits liability that cannot be limited under Israeli law, including for willful misconduct.
11. Indemnity
If a third party brings a claim against FF Family LTD arising from your breach of these Terms, your violation of law, or content or data you submitted without the right to do so, you agree to compensate us for damages and reasonable expenses (including legal fees) finally awarded or agreed in settlement, to the extent attributable to your breach and permitted by law.
12. Termination
You may stop using the Service and delete your account at any time (Settings > Delete account), and export your data first (Settings > Export). We may suspend or terminate access for breach of these Terms or where required by law. On termination, the rights granted to you end; provisions that by nature should survive (e.g., ownership, disclaimers, liability) survive.
13. Changes to these Terms
We may update these Terms. For material changes we will provide notice and, where appropriate, ask you to accept the new version before continuing to use the Service. The "Version" and "Effective date" above will be updated.
14. Governing law and disputes
These Terms are governed by the laws of the State of Israel, without regard to conflict-of-laws rules. Subject to any non-waivable consumer venue rights, the competent courts of Tel Aviv–Jaffa will have exclusive jurisdiction.
15. Languages
These Terms are published in English and Hebrew (fffam.app/terms-he). For users in Israel the Hebrew version prevails in case of conflict; for all other users the English version prevails.
16. Contact
Questions about these Terms: support@fffam.app. FF Family LTD, Buki Ben Yagli 11, Tel Aviv, Israel, Company No. 517355863.