Terms of Service

1. Acceptance of Terms

These Terms of Service (the "Terms") constitute a legally binding agreement between you ("you", "your", or the "User") and yilanfangtrade.com ("we", "us", "our", or the "Company"), a company registered in England and Wales, with its principal place of business at Bristol & Bath Science Park, Dirac Crescent, Emersons Green, Bristol BS16 7FR, United Kingdom.

By accessing or using our websites, mobile applications (the "Apps"), products, or any related services (collectively, the "Services"), you agree to be bound by these Terms, our Privacy Policy, and any additional terms applicable to specific Services. If you do not agree to these Terms, you must not access or use the Services.

Your use of the Services is also subject to the platform terms where the Apps are distributed, including Apple's Licensed Application End User Agreement and Google Play Terms of Service. In case of conflict, these Terms prevail with respect to your relationship with yilanfangtrade.com.

2. Definitions

• "Apps" means our mobile applications distributed via the Apple App Store, Google Play Store, or other channels, including FlowMate, VaultWorth, PosturePro, HomeKeep, IdeaShards, BudgetPulse, and any future apps we may release.
• "Content" means all text, graphics, images, software, audio, video, designs, and other materials provided through the Services.
• "User Content" means any content that you create, upload, or store within the Services.
• "Subscription" means a recurring paid plan that unlocks premium features in an App or Service.
• "In-App Purchase" means any digital content or features purchased within an App, processed by Apple or Google.

3. Eligibility & Age Requirements

By using the Services, you represent and warrant that:

• You are at least 13 years of age (or older as required by the laws of your country).
• If you are below the age of majority in your jurisdiction but meet the minimum age requirement, you have your parent or legal guardian's permission to use the Services.
• You have the legal capacity and authority to enter into these Terms.
• You are not located in a country that is subject to a U.S. government embargo or designated as a "terrorist supporting" country.
• You are not listed on any U.S. government list of prohibited or restricted parties.

For specific age restrictions by country, please refer to our Privacy Policy, Section 17. Where applicable, we require parental consent for users under the relevant age threshold.

4. License Grant & Restrictions

4.1 Limited License

Subject to your compliance with these Terms and applicable laws, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to:

• Download, install, and use the Apps on devices you own or control, for personal, non-commercial purposes (unless otherwise agreed in a separate written agreement).
• Access and use our websites for personal, non-commercial purposes.

4.2 Restrictions

You agree NOT to:

• Copy, modify, adapt, translate, reverse engineer, decompile, or disassemble the Apps or any portion thereof, except as expressly permitted by applicable law.
• Rent, lease, sublicense, distribute, or otherwise transfer the Apps to third parties.
• Remove, alter, or obscure any copyright, trademark, or other proprietary notices.
• Use the Apps to develop competing products or services.
• Use any automated means (bots, scrapers) to access the Services except for legitimate search engine indexing.
• Circumvent any technological measures we use to protect the Services.
• Use the Services in any manner that violates applicable laws or regulations.

4.3 Open Source Components

The Apps may include open source components governed by their respective licenses. A list of open source components and applicable licenses is available within each App's settings or upon request to contact@yilanfangtrade.com.

5. App Store Specific Terms

5.1 Apple App Store

For Apps downloaded from the Apple App Store, you acknowledge and agree that:

• These Terms are between you and yilanfangtrade.com only, not with Apple Inc. ("Apple").
• Apple has no obligation to provide any maintenance or support for the Apps.
• In case of any failure of the Apps to conform to applicable warranties, you may notify Apple, and Apple may refund the purchase price (if any). To the maximum extent permitted by law, Apple has no other warranty obligation with respect to the Apps.
• Apple is not responsible for any claims by you or any third party relating to the Apps or your possession or use of the Apps, including but not limited to product liability claims, claims that the Apps fail to conform to legal or regulatory requirements, or claims under consumer protection or similar legislation.
• In the event of any third-party claim that the Apps or your possession and use of the Apps infringes that third party's intellectual property rights, Apple is not responsible for the investigation, defence, settlement, or discharge of such claim.
• You must comply with applicable third-party terms of agreement when using the Apps.
• Apple and Apple's subsidiaries are third-party beneficiaries of these Terms. Upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.
• You represent that you are not located in a country subject to a U.S. government embargo or designated as a "terrorist supporting" country, and that you are not on any U.S. government list of prohibited or restricted parties.

5.2 Google Play Store

For Apps downloaded from Google Play:

• These Terms are between you and yilanfangtrade.com only, not with Google LLC ("Google").
• Google is not responsible for the Apps or any content or service provided by yilanfangtrade.com.
• You agree to comply with the Google Play Developer Distribution Agreement as it applies to your use of Google Play.
• Google Play is operated by Google, and your use of Google Play is subject to Google's terms and privacy policy.

5.3 Other Distribution Channels

Where our Apps are distributed through other channels (e.g., direct download, enterprise distribution), additional terms may apply. Such terms will be presented to you at the time of download or distribution.

6. Accounts & Registration

Most of our Apps do not require account creation and store data locally on your device. Where account functionality is provided (e.g., for cloud sync, which is optional):

• You agree to provide accurate, current, and complete information.
• You are responsible for maintaining the security of your account credentials.
• You are responsible for all activities that occur under your account.
• You must notify us immediately of any unauthorised use of your account.
• We are not liable for losses caused by unauthorised account access.

7. User Content

7.1 Your Content

You retain all ownership rights to your User Content. Because our Apps are designed to process data locally on your device, your User Content typically resides only on your device and is not transmitted to our servers unless you explicitly opt-in to a sync or sharing feature.

7.2 Limited License to User Content

To the extent your User Content is transmitted to our servers (e.g., for support purposes when you share diagnostic data), you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, and process that User Content solely for the purpose of operating and providing the Services to you.

7.3 Responsibility for User Content

You are solely responsible for your User Content. You represent and warrant that you own or have the necessary rights to your User Content, and that your User Content does not:

• Infringe any third-party intellectual property rights.
• Contain any unlawful, harmful, threatening, abusive, or otherwise objectionable material.
• Contain viruses, malware, or other harmful code.
• Violate the privacy or publicity rights of any third party.
• Violate any applicable law or regulation.

7.4 Removal of User Content

We may remove or disable access to User Content that we reasonably believe violates these Terms, without prior notice. However, we have no obligation to monitor User Content.

8. Intellectual Property

8.1 Our Intellectual Property

The Services and all content provided through them (excluding User Content) are and will remain the exclusive property of yilanfangtrade.com and its licensors. The Services are protected by copyright, trademark, and other laws of the United Kingdom and foreign countries. Our trademarks, trade names, logos, and service marks (including "yilanfangtrade", the yilanfangtrade logo, and product names such as "FlowMate", "VaultWorth", "PosturePro", "HomeKeep", "IdeaShards", and "BudgetPulse") may not be used without our prior written permission.

8.2 Feedback

If you provide us with suggestions, ideas, or feedback regarding the Services ("Feedback"), you grant us a worldwide, perpetual, irrevocable, royalty-free license to use, modify, and incorporate such Feedback into our Services without restriction or compensation to you.

9. Prohibited Uses

You agree not to use the Services:

• In any way that violates any applicable federal, state, local, or international law or regulation.
• To exploit, harm, or attempt to exploit or harm minors in any way.
• To transmit any advertising or promotional material, including spam, without our written consent.
• To impersonate or attempt to impersonate the Company, a Company employee, another user, or any other person or entity.
• To engage in any activity that interferes with or disrupts the Services or the servers and networks connected to the Services.
• To attempt to gain unauthorised access to any portion of the Services, other accounts, computer systems, or networks connected to the Services.
• To use the Services for any commercial purpose without our express written agreement.
• To develop or train any artificial intelligence or machine learning models using the Services or content from the Services.

10. Third-Party Services & Links

The Services may contain links to third-party websites or services that are not owned or controlled by yilanfangtrade.com. We have no control over and assume no responsibility for the content, privacy policies, or practices of any third-party websites or services. We strongly advise you to read the terms and conditions and privacy policy of any third-party site you visit.

This includes advertising networks and attribution partners described in our Privacy Policy, Section 8.

11. Purchases, Subscriptions & Pricing

11.1 Free Tiers

Many of our Apps offer free tiers with optional advertisements or limited features. Free tiers are provided as-is without warranty.

11.2 Paid Subscriptions

Some Apps offer paid subscriptions that unlock premium features. Subscription terms will be disclosed at the point of purchase, including:

• Subscription duration (typically monthly or annual).
• Price, including applicable taxes (displayed in your local currency where supported).
• Billing cycle and renewal terms.
• How to cancel the subscription.

11.3 In-App Purchases

In-App Purchases are processed by Apple (via the App Store) or Google (via Google Play). Payment, billing, and refunds for In-App Purchases are governed by Apple's or Google's respective terms. Sales are final once the purchase is completed through the platform, except where required by applicable law.

11.4 Auto-Renewal

Subscriptions automatically renew at the end of each billing period unless cancelled at least 24 hours before the end of the current period. Your account will be charged for renewal within 24 hours prior to the end of the current period.

11.5 Price Changes

We reserve the right to change subscription prices. For active subscriptions, we will provide reasonable notice (typically 30 days) before any price change takes effect, in accordance with applicable law.

11.6 Free Trials

We may offer free trials. If you do not cancel before the trial ends, you will be charged the subscription fee. Trials may be limited to one per user.

11.7 Taxes

Prices displayed include applicable VAT, GST, or sales tax as required by your jurisdiction, unless otherwise indicated.

12. Refund Policy

12.1 Refunds for In-App Purchases

For In-App Purchases on the Apple App Store or Google Play Store, refund requests must be directed to Apple or Google, respectively. We do not have the ability to issue refunds for transactions processed by these platforms. Please refer to:

• Apple: Apple's refund policy — request a refund via reportaproblem.apple.com.
• Google: Google Play refund policy.

12.2 EU Consumer Rights (14-Day Withdrawal)

If you are an EU or UK consumer, you may have the right to withdraw from a digital content purchase within 14 days. However, by completing the purchase you expressly consent to immediate performance and acknowledge that you lose your right of withdrawal once the digital content has been delivered. This consent is requested at the point of purchase.

12.3 Defective Products

If an App is materially defective or fails to perform as described, please contact support@yilanfangtrade.com. We will investigate and, where appropriate, issue a refund or take corrective action, in accordance with applicable consumer protection laws.

12.4 Other Refunds

For non-platform purchases (e.g., custom development work, consulting services), refund terms are specified in the individual contract or statement of work.

13. Advertising

Some of our Apps display advertisements as part of the free tier. For comprehensive information about the advertising networks integrated into our Apps, the data they collect, and your choices regarding advertising personalisation, please see Privacy Policy, Section 8.

By using our free-tier Apps, you acknowledge that:

• Advertisements may be displayed in various formats (banner, interstitial, rewarded video, etc.).
• Some advertisements may be personalised based on your consent to tracking (subject to your device-level preferences).
• Rewarded advertisements are optional — viewing them in exchange for in-app rewards is your choice.
• You can manage advertising personalisation through your device settings and the in-app consent dialogs.

14. Disclaimers & Warranties

14.1 "As Is" Basis

THE SERVICES ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTY OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING WITHOUT LIMITATION WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY.

14.2 No Guarantee of Uninterrupted Service

We do not warrant that the Services will be uninterrupted, error-free, secure, or free of viruses or other harmful components. We do not warrant that the results obtained from the use of the Services will be accurate or reliable.

14.3 User Responsibility

You are responsible for maintaining backups of any User Content. While our Apps are designed to be reliable, we are not responsible for loss of User Content due to device failure, loss, or other causes.

14.4 Health & Financial Disclaimer

Some Apps (such as PosturePro for posture/movement tracking, BudgetPulse for financial modelling) are designed for informational and tracking purposes only. They are not intended to substitute for professional medical, financial, or other professional advice. Always seek the advice of a qualified professional for medical, financial, or other professional matters.

14.5 No Professional Advice

Our Apps do not provide professional medical, financial, legal, tax, accounting, or other professional advice. Any reliance on the information provided by our Apps is at your own risk.

15. Limitation of Liability

15.1 Limitation of Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL YILANFANGTRADE.COM, ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING WITHOUT LIMITATION LOSS OF PROFITS, DATA, USE, GOODWILL, OR OTHER INTANGIBLE LOSSES, RESULTING FROM:

• YOUR ACCESS TO OR USE OF (OR INABILITY TO ACCESS OR USE) THE SERVICES.
• ANY CONDUCT OR CONTENT OF ANY THIRD PARTY ON OR THROUGH THE SERVICES.
• UNAUTHORISED ACCESS, USE, OR ALTERATION OF YOUR TRANSMISSIONS OR CONTENT.
• ANY OTHER MATTER RELATING TO THE SERVICES.

15.2 Maximum Liability

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE USE OF, OR INABILITY TO USE, THE SERVICES EXCEED THE GREATER OF (A) THE AMOUNT YOU HAVE PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE LIABILITY, OR (B) ONE HUNDRED POUNDS STERLING (£100).

15.3 Exceptions

Nothing in these Terms shall exclude or limit our liability for:

• Death or personal injury caused by negligence.
• Fraud or fraudulent misrepresentation.
• Any other liability that cannot be excluded or limited under applicable law.

15.4 Australian Consumer Law

For Australian consumers, our goods and services come with guarantees that cannot be excluded under the Australian Consumer Law. You are entitled to a replacement or refund for a major failure and compensation for any other reasonably foreseeable loss or damage. You are also entitled to have the goods repaired or replaced if the goods fail to be of acceptable quality and the failure does not amount to a major failure.

15.5 EU Statutory Rights

If you are a consumer in the EU/EEA, you have statutory rights under consumer protection laws. Nothing in these Terms affects those statutory rights.

16. Indemnification

You agree to defend, indemnify, and hold harmless yilanfangtrade.com, its affiliates, licensors, and service providers, and its and their respective officers, directors, employees, contractors, agents, licensors, suppliers, successors, and assigns from and against any claims, liabilities, damages, judgments, awards, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your violation of these Terms or your use of the Services, including, but not limited to, your User Content, and any use of the Services other than as expressly authorised in these Terms.

17. Termination

17.1 Termination by You

You may stop using the Services at any time. To cancel subscriptions, follow the platform-specific instructions (Apple Subscriptions, Google Play Subscriptions). You may also request deletion of your data by contacting contact@yilanfangtrade.com.

17.2 Termination by Us

We may terminate or suspend your access to the Services immediately, without prior notice, for any reason, including without limitation if you breach these Terms. Upon termination:

• Your right to use the Services will immediately cease.
• We may delete your account and any associated data, subject to our data retention obligations.
• Provisions of these Terms which by their nature should survive termination shall survive (including but not limited to ownership, warranty disclaimers, indemnification, limitations of liability).

17.3 App Removal from Stores

If an App is removed from the Apple App Store or Google Play Store for any reason, we are not obligated to provide the App through alternative means or to refund any fees paid (subject to applicable law).

18. Disputes & Governing Law

18.1 Governing Law

These Terms and any dispute or claim arising out of or in connection with them or their subject matter or formation (including non-contractual disputes or claims) shall be governed by and construed in accordance with the laws of England and Wales.

18.2 Jurisdiction

The courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim arising out of or in connection with these Terms, save that we may seek injunctive or other equitable relief in any court of competent jurisdiction to protect our intellectual property or confidential information.

18.3 EU/UK Consumer Rights

If you are a consumer in the EU or UK, nothing in these Terms removes your right to bring legal proceedings in your country of residence. You may also use the European Commission's Online Dispute Resolution platform at ec.europa.eu/consumers/odr.

18.4 Informal Dispute Resolution

Before initiating any legal action, you agree to first contact us at contact@yilanfangtrade.com to attempt to resolve the dispute informally. We will attempt to resolve disputes by contacting you via email. If a dispute is not resolved within 30 days of submission, you or we may pursue formal resolution.

18.5 Class Action Waiver

To the maximum extent permitted by applicable law, you agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. If this class action waiver is held unenforceable, the entirety of this dispute resolution section shall be void.

19. Changes to These Terms

We may update these Terms from time to time. The "Last Updated" date at the top of these Terms reflects when the most recent changes took effect. Material changes will be notified through:

• A prominent notice on our website.
• An in-app notification (for our Apps).
• An email to users (for material changes).

For active subscriptions, we will provide at least 30 days' notice before material changes take effect, and you will have the right to cancel your subscription before the changes apply.

Your continued use of the Services after changes take effect constitutes acceptance of the revised Terms. If you do not agree to the changes, you may stop using the Services and request deletion of your data.

20. Miscellaneous

20.1 Entire Agreement

These Terms (together with our Privacy Policy and any other documents referenced herein) constitute the entire agreement between you and yilanfangtrade.com regarding the Services and supersede all prior or contemporaneous communications and proposals, whether electronic, oral, or written.

20.2 Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable, that provision shall be severed, and the remaining provisions shall remain in full force and effect.

20.3 Waiver

No waiver by us of any term or condition set out in these Terms shall be deemed a further or continuing waiver of such term or condition or a waiver of any other term or condition. Any failure of ours to assert a right or provision under these Terms shall not constitute a waiver of such right or provision.

20.4 Assignment

You may not assign or transfer your rights under these Terms without our prior written consent. We may assign these Terms to any of our affiliates, or in connection with a merger, acquisition, or sale of assets.

20.5 Force Majeure

We shall not be liable for any failure or delay in performance under these Terms due to causes beyond our reasonable control, including acts of God, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, network or power failures, strikes, or shortages of transportation, facilities, fuel, energy, labour, or materials.

20.6 Notices

Notices to you may be made via email, in-app notification, or by posting on our website. Notices to us should be sent to contact@yilanfangtrade.com.

20.7 Language

These Terms are provided in English. In case of translation, the English version prevails.

20.8 Export Controls

You agree to comply with all applicable export control laws and regulations of the United Kingdom, the United States, and the European Union. You may not use the Services if you are located in a country that is subject to a U.S. government embargo or designated as a "terrorist supporting" country.

21. Contact Information

If you have any questions about these Terms, please contact us:

We aim to respond to all inquiries within 5 business days. For urgent legal matters, please indicate this in the subject line.

22. Acknowledgement (App Store Specific)

By downloading or using our Apps from the Apple App Store or Google Play Store, you acknowledge that:

• You have read and understood these Terms in their entirety.
• You agree to be bound by these Terms.
• You have read and understood our Privacy Policy.
• Your use of the App will be in compliance with all applicable laws and regulations.
• You meet the minimum age requirements specified in Section 3.

23. End-User License Agreement (EULA)

For Apps distributed via the Apple App Store, this document serves as a Licensed Application End User Agreement (EULA) pursuant to Apple's requirements. The terms of this EULA are governed by the laws of England and Wales, except where local consumer protection laws provide stronger rights to you.

Document Version: 3.2  ·  Effective: 15 March 2026
© yilanfangtrade.com. These Terms are governed by the laws of England and Wales.