Terms of Service
These Terms of Service govern your access to and use of the afloton.com website and all applications, software tools, on-device AI runtimes, and digital services published by Afloton Private Limited.
Acceptance of Terms & Universal Master Scope
These Terms of Service ("Terms") represent a legally binding agreement between you (whether an individual or a legal entity, designated herein as "User", "you", or "your") and Afloton Private Limited (designated herein as "Company", "Afloton", "we", "us", or "our").
Universal Master Umbrella Clause: These Terms govern your access to and use of our primary website located at https://afloton.com, all associated subdomains, web portals, and all mobile applications, software tools, on-device AI runtimes, machine learning models, digital libraries, and cloud or offline services developed, owned, licensed, or published by Afloton Private Limited across the Google Play Store, Apple App Store, desktop platforms, and direct web distribution channels (collectively, the "Services").
BY CLICKING "ACCEPT", "AGREE", "CONTINUE", DOWNLOADING, INSTALLING, LAUNCHING, COPYING, BROWSING, OR OTHERWISE ACCESSING ANY AFLOTON APPLICATION OR SERVICE, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND UNCONDITIONALLY AGREE TO BE BOUND BY THESE TERMS AND OUR PRIVACY POLICY (INCORPORATED HEREIN BY REFERENCE). IF YOU DO NOT AGREE TO THESE TERMS IN THEIR ENTIRETY, YOU MUST NOT INSTALL, ACCESS, OR USE OUR SERVICES.
License Grant & Intellectual Property Restrictions
Limited License Grant: Subject to your strict compliance with these Terms, Afloton Private Limited grants you a personal, revocable, limited, non-exclusive, non-transferable, non-assignable, and non-sublicensable license to download, install, execute, and display our applications solely on compatible personal computing devices that you own or legally control, strictly for your personal, non-commercial, or authorized internal business workflow.
Express Operational Restrictions
You expressly covenant and agree that you shall NOT, under any circumstances, directly or indirectly:
- Decompile or Reverse Engineer: Decompile, reverse engineer, disassemble, decrypt, extract, or otherwise attempt to derive the source code, underlying architecture, mathematical algorithms, neural weights, or proprietary data structures of our binary releases, except solely to the non-waivable extent permitted by applicable mandatory law;
- Proprietary Model Extraction: Clone, scrape, distill, intercept, or extract embedded regex expressions, parsing token patterns, machine learning heuristics, or quantized AI weights packaged within our local runtimes;
- Unauthorized Commercial Exploitation: Rent, lease, lend, sell, resell, sublicense, assign, distribute, publish, transfer, or commercially host our software or any portion thereof as a managed service bureau, SaaS, or white-labeled tool without an explicit, executed commercial agreement from Afloton Private Limited;
- Circumvention of Security: Bypass, disable, evade, alter, tamper with, or circumvent any licensing verification, digital rights management (DRM), cryptographic signature checks, device integrity verification, or local tamper safeguards embedded within the software;
- Derivative Works: Modify, adapt, translate, enhance, or create derivative works or improvements based upon our software;
- Trademark & Copyright Notice Removal: Obscure, alter, delete, or remove any copyright notices, trademark designations, patent markings, or proprietary legends displayed in or on the applications.
All title, copyright, intellectual property rights, trade secrets, patents, trademarks, and design rights in and to our applications, documentation, websites, codebases, UI assets, and logos remain the exclusive property of Afloton Private Limited or our licensors.
Schedule A: Offline & Cryptographically Encrypted Applications
This Schedule governs any application or feature developed or published by Afloton Private Limited that provides encrypted note-taking, local data vaults, document management, password organization, or standalone offline storage.
- 100% Local Hardware Storage: All user-generated text, personal notes, multimedia recordings, file attachments, tags, categorization trees, and app configurations are written directly and exclusively to your personal device's local internal storage or sandboxed directory.
- AES-256 Client-Side Cryptographic Safeguards: Where encryption is enabled, data is secured using industry-standard Advanced Encryption Standard with 256-bit symmetric keys (AES-256). All key generation, key derivation (e.g., PBKDF2/Argon2), and cryptographic operations occur entirely client-side inside device sandboxing.
- Zero Cloud Infrastructure & Zero Knowledge: Afloton Private Limited does NOT operate cloud servers, synchronization relays, remote databases, or escrow backdoors for these applications. We have absolute zero knowledge of, and zero technological capability to view, intercept, decrypt, or access your stored notes, passwords, master credentials, or cryptographic keys.
- Absolute Irreversibility of Lost Credentials: BECAUSE AFLOTON PRIVATE LIMITED DOES NOT MAINTAIN ACCESS TO YOUR ENCRYPTION KEYS OR PASSWORDS, IF YOU FORGET YOUR MASTER PASSPHRASE, BIOMETRIC CREDENTIAL, OR PIN, OR IF YOUR HARDWARE DEVICE IS LOST, STOLEN, CORRUPTED, RESTORED TO FACTORY SETTINGS, OR DESTROYED, AFLOTON CANNOT RESET YOUR CREDENTIALS OR RESTORE YOUR DATA. YOU ASSUME 100% SOLE RESPONSIBILITY FOR PRESERVING YOUR CREDENTIALS AND REGULARLY EXECUTING INDEPENDENT, OFFLINE BACKUPS OF YOUR SYSTEM AND DEVICE STORAGE.
- Client-Side Network Utilities (Link Previews): If an application provides an optional feature to fetch automated link previews or website metadata, the request is dispatched directly from your device hardware to the target public URL. No personal data, notes, or credentials are ever transmitted to Afloton during this process.
Schedule B: Local Financial Tracking & Bank SMS Parsing Applications
This Schedule governs any application or feature developed or published by Afloton Private Limited that parses, categorizes, or visualizes banking notifications, financial SMS alerts, transactional records, and budgeting metrics.
- Sub-Second Local Regex Engine: All transaction extraction, merchant mapping, account balance calculations, and categorization routines operate exclusively on your device hardware via local regular expression (regex) patterns.
- Zero Network Egress Policy: Under no circumstances are your bank SMS messages, OTPs, financial balances, account numbers, vendor receipts, or transaction histories transmitted over any public or private network, telecommunications pipe, or cloud API. Your financial data remains 100% sovereign to your device hardware.
- Informational & Personal Budgeting Purpose Only: All visualizations, financial metrics, spending analyses, cash flow indicators, and category allocations generated by our software are delivered strictly for personal organizational and budgeting convenience.
- NO CERTIFIED FINANCIAL, TAX, OR INVESTMENT ADVICE: AFLOTON PRIVATE LIMITED IS A TECHNOLOGY SOFTWARE COMPANY, NOT A BANK, NON-BANKING FINANCIAL INSTITUTION (NBFC), REGISTERED INVESTMENT ADVISOR (RIA), PORTFOLIO MANAGER, TAX CONSULTANT, OR BROKER-DEALER REGISTERED UNDER THE SECURITIES AND EXCHANGE BOARD OF INDIA (SEBI), THE RESERVE BANK OF INDIA (RBI), THE US SECURITIES AND EXCHANGE COMMISSION (SEC), THE UK FINANCIAL CONDUCT AUTHORITY (FCA), OR ANY OTHER JURISDICTIONAL FINANCIAL SUPERVISORY BODY. THE SOFTWARE DOES NOT PROVIDE LICENSED FINANCIAL, INVESTMENT, LEGAL, OR TAX ADVICE.
- Sole User Responsibility for Verification: Automated algorithms and SMS pattern matching may encounter irregular bank syntax, unformatted carrier alerts, or edge-case financial transactions. You acknowledge and agree that you bear sole responsibility for verifying all numbers, expenses, and transaction logs against your certified bank statements before taking any financial action or filing statutory tax returns.
Schedule C: On-Device AI Models, SLMs & Intelligent Runtimes
This Schedule governs any application or module developed or published by Afloton Private Limited that integrates quantized small language models (SLMs), neural inference engines, or local intelligent routines executing directly on the user's mobile device neural processing unit (NPU), GPU, or CPU.
- Probabilistic Nature of Machine Learning Models: You expressly understand that outputs generated by artificial intelligence models and local neural networks are inherently probabilistic in nature. Machine learning models synthesize statistical patterns based on training distributions and do not possess human cognition, judgment, or infallibility.
- "AS-IS" Delivery Without Accuracy Warranties: Outputs generated by on-device AI engines are provided strictly on an "AS-IS", "WITH ALL FAULTS" basis without any express or implied warranties concerning factual veracity, mathematical precision, contextual applicability, or completeness. Models may occasionally generate inaccurate statements, hallmarked inferences, or incomplete evaluations.
- Human-in-the-Loop Verification Requirement: You agree that you will not rely upon AI-generated outputs as a substitute for professional human evaluation, medical counsel, legal analysis, certified accounting, or engineering standards. You assume full legal responsibility and liability for reviewing, vetting, and verifying any content, code, formulas, financial summaries, or texts produced by on-device AI models prior to acting upon or disseminating them.
Purchases, Subscriptions & Google Play Billing
Merchant of Record & In-App Purchases: For all applications distributed via Google Play, all digital purchases, lifetime licenses, premium tier upgrades, and recurring subscription plans are processed exclusively through Google Play In-App Billing (operated by Google LLC, Google Ireland Limited, or Google Commerce Limited, as applicable based on your country of residence).
Payment Card Security: Afloton Private Limited does not collect, process, record, or store any credit card numbers, debit card details, bank credentials, or electronic payment tokens. All financial billing data is managed in accordance with Google Play's PCI-DSS compliant infrastructure and Google's Terms of Service.
Subscription Auto-Renewal & Cancellation
Subscriptions automatically renew for successive billing periods (e.g., monthly, annually) at the then-prevailing tariff rate unless cancelled by you at least twenty-four (24) hours before the expiration of the current billing cycle. You may manage, modify, or terminate your subscriptions at any time via your Google Play Account settings (under "Payments & subscriptions" > "Subscriptions"). Terminating a subscription disables subsequent auto-renewals; you will retain premium access through the end of your prepaid period.
Refund Policy
All refund requests, disputes, and adjustments for purchases executed via Google Play are governed strictly by Google Play's standard refund policies. To request a refund, please follow the formal refund procedures established inside the Google Play Store app or at Google Play Refund Support. Afloton Private Limited does not possess direct administrative access to Google's payment gateways to issue immediate card reversals or manual refunds outside platform protocols.
EEA & UK Consumer Rights Notice
This Section applies explicitly to consumers habitually residing within the European Economic Area (EEA), European Union (EU), and the United Kingdom (UK) pursuant to applicable statutory consumer protection frameworks, including the EU Digital Services Act (DSA - Regulation (EU) 2022/2065) and Directive 2011/83/EU on Consumer Rights.
- Statutory Right of Withdrawal: As a consumer in the EEA or UK, you generally have the right to withdraw from a distance purchase contract within fourteen (14) calendar days without stating any grounds.
- Immediate Execution Waiver for Digital Content: Under Article 16(m) of the EU Consumer Rights Directive and Section 37 of the UK Consumer Contracts Regulations 2013, the statutory right of withdrawal does not apply to contracts for the supply of digital content which is not supplied on a tangible medium if performance has begun with your prior express consent and with the acknowledgment that you thereby lose your right of withdrawal. When you download an app or unlock a digital Pro license immediately upon purchase, you acknowledge and agree that digital delivery is instantaneous, and you waive the statutory 14-day cancellation right once delivery commences.
- Statutory Legal Guarantee of Conformity: Under EU and UK consumer sales directives, consumers benefit from a statutory guarantee that digital content and digital services will conform to contract requirements for the duration of the supply or for at least two years from delivery. Afloton ensures digital goods match product listings on Google Play.
- Alternative Dispute Resolution (ADR) & Online Platform: The European Commission provides an online dispute resolution platform for consumer complaints, accessible at https://ec.europa.eu/consumers/odr. Our support team can also be reached directly at support@afloton.com for cooperative resolutions.
User Eligibility, Security & Acceptable Use Policy
Eligibility: By using the Services, you represent and warrant that you are at least thirteen (13) years of age (or the minimum legal age required in your country to consent to software and digital processing without parental authorization), and possess the full legal capacity to enter into a binding contractual agreement. If you are under the legal age of majority in your jurisdiction, you represent that your parent or legal guardian has reviewed and agreed to these Terms on your behalf.
Device Security & Access Control: You are solely responsible for safeguarding the physical and electronic integrity of your devices. You agree to maintain robust passcode, biometric, and access controls. Afloton Private Limited accepts zero responsibility for unauthorized access, tampering, or data disclosure occurring as a consequence of device rooting, jailbreaking, malware compromise, or compromised physical possession.
Prohibited Conduct
You agree not to utilize our software, services, or communication channels to:
- Engage in any fraudulent, defamatory, obscene, harassing, predatory, or unlawful conduct under Indian, international, or local jurisdictional statutes;
- Store, process, or disseminate unlawful content, including child sexual abuse material (CSAM), violent extremism, terrorist propaganda, or materials violating third-party intellectual property or privacy rights;
- Introduce viruses, trojans, worms, logic bombs, ransomware, or other malicious, destructive, or technologically harmful code;
- Interfere with, disrupt, or place an unreasonable or disproportionate load upon our servers, networks, or digital infrastructure.
Third-Party Advertising, Links & Platform Rules
Advertising Networks in Free Software: To enable free distribution of select applications, we may integrate reputable third-party advertising SDKs (such as Google AdMob). These third-party ad networks may capture non-personally identifiable diagnostic and advertising identifiers (e.g., Google Advertising ID / GAID) in accordance with platform policies to serve relevant advertisements. Premium or Pro subscribers are guaranteed zero third-party commercial advertisements.
External Hyperlinks: Our website or applications may display hyperlinks pointing to external websites, articles, or resources. These links are provided solely as an informational convenience. Afloton exercises no editorial or operational control over third-party platforms, does not endorse their content, and disclaims all liability for damages arising from your interaction with external third-party domains.
Disclaimer of Warranties ("AS-IS" and "AS-AVAILABLE")
AFLOTON PRIVATE LIMITED, ITS AFFILIATES, OFFICERS, DIRECTORS, SHAREHOLDERS, EMPLOYEES, CONTRACTORS, AND LICENSORS EXPRESSLY DISCLAIM ALL WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, SYSTEM INTEGRATION, QUIET ENJOYMENT, ACCURACY, AND NON-INFRINGEMENT OF THIRD-PARTY INTELLECTUAL PROPERTY RIGHTS.
WITHOUT LIMITING THE GENERALITY OF THE FOREGOING, AFLOTON MAKES NO REPRESENTATION OR WARRANTY THAT: (I) THE SERVICES WILL MEET YOUR INDIVIDUAL REQUIREMENTS OR BUDGETING OBJECTIVES; (II) OPERATION WILL BE UNINTERRUPTED, TIMELY, SECURE, BUG-FREE, OR ERROR-FREE; (III) PARSED BANK NOTIFICATIONS, SMS RECORDS, OR ON-DEVICE AI GENERATIONS WILL BE 100% ACCURATE, COMPLETE, OR FREE FROM HALLUCINATION; (IV) ENCRYPTED VAULTS WILL RESIST UNPRECEDENTED OR QUANTUM CRYPTANALYTIC BREAKTHROUGHS; OR (V) THE SOFTWARE WILL REMAIN COMPATIBLE WITH ALL FUTURE HARDWARE ARCHITECTURES OR OPERATING SYSTEM RELEASES (E.G., FUTURE ANDROID OR IOS MAJOR REVISIONS).
Limitation of Liability
NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED IN THESE TERMS, THE MAXIMUM AGGREGATE LIABILITY OF AFLOTON PRIVATE LIMITED FOR ANY AND ALL CLAIMS, CONTROVERSIES, LIABILITIES, OR CAUSES OF ACTION ARISING UNDER OR RELATED TO THESE TERMS, WHETHER IN CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, STATUTORY DUTY, OR OTHERWISE, SHALL BE STRICTLY CAPPED AT AND SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT ACTUALLY PAID BY YOU TO AFLOTON FOR THE SPECIFIC APPLICATION OR DIGITAL SERVICE GIVING RISE TO THE CLAIM IN THE TWELVE (12) MONTHS PRECEDING THE OCCURRENCE OF THE EVENT; OR (B) FIVE HUNDRED INDIAN RUPEES (INR ₹500) OR TEN UNITED STATES DOLLARS (USD $10.00) IF THE SOFTWARE WAS USED FREE OF MONETARY CHARGE.
SOME JURISDICTIONS (SUCH AS CERTAIN MEMBER STATES OF THE EUROPEAN UNION) DO NOT ALLOW THE COMPLETE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES (SUCH AS DAMAGES ARISING FROM INTENTIONAL MISCONDUCT, GROSS NEGLIGENCE, OR PERSONAL INJURY); IN SUCH JURISDICTIONS, OUR LIABILITY SHALL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE MANDATORY LAW.
Indemnification, Modifications & Severability
User Indemnification: You agree to defend, indemnify, and hold harmless Afloton Private Limited, its corporate officers, directors, employees, contractors, and agents against any and all claims, damages, liabilities, costs, losses, and legal expenses (including reasonable attorneys' fees) arising out of or resulting from: (i) your access to, use, or misuse of our applications; (ii) any violation by you of these Terms; (iii) the content, notes, or media you generate or store inside local application vaults; or (iv) your infringement of any third-party intellectual property or privacy rights.
Modifications to Terms: We reserve the right to amend, update, or revise these Master Terms periodically to incorporate new features, align with platform developer requirements (such as Google Play policy changes), or comply with mandatory statutory directives. Whenever modifications occur, we will revise the "Last Updated" date at the top of these Terms. Your continued use of the applications or website following the publication of revised Terms establishes your binding agreement to the modifications.
Severability & Non-Waiver: If any provision of these Terms is deemed unlawful, void, or unenforceable by an arbitrator or court of competent jurisdiction, that specific provision shall be construed, limited, or severed to the minimum extent necessary to make it valid and enforceable, and all remaining provisions of these Terms shall remain in full force and legal effect. Our failure to assert or enforce any right under these Terms does not constitute a waiver of such right.
Governing Law & Dispute Resolution Jurisdiction
Primary Governing Law: These Terms and any dispute, controversy, or claim arising out of or related to them, their interpretation, breach, or termination, shall be governed by, construed, and enforced in accordance with the substantive laws of the Republic of India, without regard to conflict-of-law principles.
Exclusive Judicial Jurisdiction: Subject to mandatory consumer protection laws, you and Afloton Private Limited irrevocably submit to the exclusive personal jurisdiction and venue of the competent civil courts located in Uttar Pradesh, India, for the adjudication of any legal actions or proceedings arising under or in connection with these Terms or our software.
EEA / UK Mandatory Consumer Protection Savings Clause: Notwithstanding the choice of Indian governing law and jurisdiction, if you are an individual consumer residing in the European Economic Area (EEA) or the United Kingdom (UK), nothing in these Terms deprives you of the protection afforded by mandatory provisions of the consumer laws of your country of habitual residence that cannot be derogated from by agreement, nor does it deprive you of the statutory right to bring proceedings before the competent courts of your member state of domicile under applicable European Union regulations.
Contact Us
If you have any questions, feedback, or legal inquiries regarding these Terms of Service, please reach out to Afloton Private Limited (Firozabad, Uttar Pradesh, India) via the Contact Us form on afloton.com or by email at support@afloton.com.