Terms of Service

Last updated: January 9, 2026

1) Introduction & Agreement

Welcome to Floa Software Solutions Ltd ("Floa," "we," "us," or "our"). These Terms of Service ("Terms") govern your access to and use of our websites, applications, and AI-powered software and services (collectively, the "Platform" or "Services").

By creating an account, clicking "I agree," or using the Services, you agree to be bound by these Terms. If you are using the Services on behalf of an organization, you represent that you are authorized to accept these Terms on its behalf.

Contact for all matters: privacy@getfloa.com

Company details: Floa Software Solutions Ltd, Company No. 16376075, registered office: 167–169 Great Portland Street, London, England, W1W 5PF.

2) Definitions

Account: Your registered profile enabling access to the Services, which may be a Creator Account or Student Account.
Creator, Creator Account: A user who creates, publishes, and sells educational content, courses, or digital products through the Platform.
Creator Content: Any courses, lessons, educational materials, digital products, or other content created and offered by Creators through the Platform.
Customer, you, your: Any individual or entity using the Services, whether as a Creator or Student.
Customer Content: Any data, text, files, prompts, images, videos, audio, or other materials you (or your end-users) submit to or through the Services, including AI Inputs and generated Outputs.
Documentation: Our user guides, help articles, and other materials describing the Services.
Order: Any online order, plan selection, or written order form specifying your subscription tier, features, and pricing.
Platform: The Floa marketplace and technology that enables Creators to sell content and Students to purchase and access that content.
Student, Student Account, Learner: A user who purchases, accesses, and consumes Creator Content through the Platform.
Subprocessors: Third parties engaged by us to process data in connection with the Services.

3) Eligibility

You must be at least the age of majority in your jurisdiction and capable of forming a binding contract to use the Services. If you are agreeing to these Terms on behalf of an organization, you must have authority to bind that organization.

4) Account Registration & Security

You must provide accurate information and keep it up to date. You are responsible for maintaining the confidentiality of your login credentials and for all activities under your Account. Notify us immediately at privacy@getfloa.com if you suspect unauthorized access.

When registering, you will select an Account type (Creator or Student). Different features, responsibilities, and terms apply to each Account type as described in these Terms.

5) The Services

We provide AI-enabled tools and a marketplace platform to help Creators create, manage, sell, and deliver digital educational products, and to help Students discover, purchase, and consume those products. We may update or modify features from time to time. Certain features may be identified as Beta or Pre-release and are provided as-is with no guarantees and may change, break, or be discontinued at any time.

6) Platform Marketplace & Relationship of Parties

6.1 Floa as a Platform

Floa operates as a technology platform and marketplace that connects Creators with Students. Floa is not the seller of Creator Content. When a Student purchases Creator Content, the transaction is between the Student and the Creator. Floa facilitates the transaction by providing payment processing, content hosting, and delivery infrastructure.

6.2 Creator Responsibilities

Creators are solely responsible for:

The quality, accuracy, completeness, and legality of their Creator Content;
Setting prices for their Creator Content;
Fulfilling any promises or representations made about their Creator Content;
Handling refund requests from Students in accordance with their stated refund policy and applicable law;
Responding to Student inquiries and providing reasonable support for their Creator Content;
Complying with all applicable laws, including consumer protection, tax, and intellectual property laws;
Ensuring they have all necessary rights and licenses to offer their Creator Content for sale.

6.3 Student Acknowledgments

By using the Platform as a Student, you acknowledge and agree that:

You are purchasing Creator Content directly from third-party Creators, not from Floa;
Floa does not control, endorse, verify, or guarantee the quality, accuracy, safety, or legality of any Creator Content;
Refund requests for Creator Content must be directed to the Creator in accordance with their refund policy;
Floa is not responsible for any disputes between you and a Creator regarding Creator Content;
Your use of Creator Content is at your own risk.

6.4 Floa's Role

Floa provides the technology infrastructure, payment processing, and platform features but does not:

Create, control, or endorse Creator Content;
Guarantee the quality, accuracy, or fitness for purpose of any Creator Content;
Mediate or arbitrate disputes between Creators and Students (though we may assist at our discretion);
Act as the seller, reseller, or merchant of record for Creator Content.

7) Customer Content (Inputs & Outputs)

7.1 Ownership

As between you and Floa, you own your Inputs and Outputs (subject to any third-party rights and applicable law). You are solely responsible for Customer Content, including obtaining permissions and lawful bases for any personal data.

7.2 License to Floa

You grant Floa a worldwide, non-exclusive, royalty-free license to host, copy, process, transmit, and display Customer Content only as necessary to provide, secure, support, and improve the Services; to comply with law; and to prevent fraud/abuse. We do not use your Customer Content to train third-party foundation models without your explicit consent.

7.3 Creator Content License

Creators grant Floa a worldwide, non-exclusive, royalty-free license to host, display, distribute, and make available their Creator Content through the Platform to Students who have purchased access. This license continues for as long as the Creator Content remains on the Platform.

Students receive a limited, non-exclusive, non-transferable license to access and use Creator Content they have purchased, solely for their personal, non-commercial educational purposes, unless otherwise specified by the Creator.

7.4 Model Providers & Third Parties

We use infrastructure and AI model providers (e.g., Azure AI Foundry, Anthropic Claude, Google AI). We impose contractual and technical restrictions so providers process data only to deliver the Services to you. Use of some features may be subject to additional provider terms and policies.

7.5 Backups & Data Loss

We implement reasonable safeguards; however, you are responsible for maintaining appropriate backups of Customer Content.

8) Acceptable Use Policy

You agree not to:

Violate laws or third-party rights (including IP, privacy, export, or sanctions laws).
Upload or generate unlawful, harmful, deceptive, defamatory, or hateful content; or content that exploits minors.
Attempt to reverse engineer, decompile, or access the Services or models except as permitted by law.
Probe, scan, or test system vulnerabilities; interfere with or disrupt the Services.
Use the Services for spam, malware, phishing, fraud, or surveillance without a lawful basis.
Circumvent technical limits, rate limits, or usage quotas; resell or white-label the Services without our written consent.
Use the Services in High-Risk scenarios where failure could lead to death, personal injury, or severe environmental/financial harm (e.g., critical infrastructure, life-support, autonomous weapons).
Send communications (email/SMS/WhatsApp) without proper consent and compliance with applicable laws (e.g., anti-spam, e-privacy, telecom rules).
Students: Share, redistribute, resell, or make available any purchased Creator Content to third parties without the Creator's explicit permission.
Creators: Misrepresent the nature, quality, or content of your Creator Content; engage in deceptive pricing practices; or fail to honor stated refund policies.

We may suspend or terminate Accounts for violations of this Section.

9) AI Outputs: Accuracy & Use

AI outputs may be inaccurate, incomplete, or biased. You are responsible for independently evaluating Outputs and for your reliance on them. No professional advice: Outputs are not legal, medical, financial, or other professional advice.

10) Third-Party Services & Integrations

The Services may interoperate with third-party products (e.g., payment processors, analytics, messaging, CRMs). We do not control and are not responsible for third-party services; your use of them may be governed by their terms and policies.

11) Plans, Pricing, Billing & Payments

11.1 Creator Subscriptions

Creators subscribe to Floa to access Platform features for creating and selling content.

Subscriptions & Auto-Renewal: Paid plans renew automatically for successive terms unless cancelled in your Account before renewal.
Fees: You agree to pay all fees specified in your Order. We may modify prices with prior notice for future terms.
Trials: If you sign up for a trial, at its end you may be automatically moved to a paid plan unless you cancel.
Refunds: Creator subscription fees to Floa are non-refundable except where required by law or expressly stated otherwise.

11.2 Student Purchases

Students purchase Creator Content directly from Creators through the Platform.

Pricing: Creators set their own prices for Creator Content. Prices displayed include any applicable fees unless otherwise stated.
Payment Processing: Creators connect their own Stripe account to receive payments. When you purchase Creator Content, payment is processed directly to the Creator's connected Stripe account. Floa does not hold or intermediate funds.
Access: Upon successful payment, you will receive access to the purchased Creator Content in accordance with the Creator's delivery terms.

11.3 Refunds for Creator Content

Refund policies for Creator Content are set by individual Creators.

Creator Refund Policies: Each Creator may establish their own refund policy, which will be displayed on their content pages. Students should review refund policies before purchasing.
Refund Requests: Students seeking refunds for Creator Content should contact the Creator directly. Creators are responsible for processing refunds in accordance with their stated policy and applicable consumer protection laws.
Floa's Role: Since payments are processed directly to Creator Stripe accounts, Creators are solely responsible for issuing refunds through their own Stripe dashboard. Floa does not hold funds and cannot process refunds on behalf of Creators.
Statutory Rights: Nothing in these Terms affects your statutory rights as a consumer under applicable law, including any mandatory cooling-off periods or consumer protection rights.

11.4 Creator Payments

Direct Payments: Creators receive payments directly into their connected Stripe account. Floa does not hold, escrow, or intermediate Creator earnings.
Stripe Relationship: Payout timing, fees, and related matters are governed by your agreement with Stripe. Floa has no involvement in or responsibility for Stripe's payout schedules or policies.
Platform Fees: Where applicable, Platform fees are collected at the time of transaction or billed separately as specified in your Creator subscription.

11.5 Taxes

Fees and prices are exclusive of taxes unless otherwise stated. You are responsible for all applicable taxes, duties, and charges. Creators are responsible for reporting and paying taxes on their earnings.

11.6 Chargebacks & Non-payment

We may suspend or terminate the Services for unpaid Creator subscription fees not resolved in good faith. Chargebacks related to Creator Content purchases are handled directly between the Creator and Stripe; Floa has no involvement in chargeback disputes for Creator sales.

12) Confidentiality

Each party may receive Confidential Information of the other (including non-public business, technical, and security information). The receiving party will use the same degree of care it uses to protect its own similar information (and at least reasonable care), will use it only as permitted under these Terms, and will not disclose it except to personnel and providers under similar confidentiality obligations.

13) Privacy, Data Protection & DPA

Our Privacy Policy describes how we process personal data and is incorporated by reference.

Roles: For our website, account, and internal analytics, Floa is controller. For Customer Content processed on behalf of Creators (including Student data), Floa is processor and our Data Processing Addendum (DPA) applies.
International Transfers: Where applicable, we use SCCs/IDTA and additional safeguards.
Subprocessors: We maintain a current list: /legal/subprocessors.

Privacy inquiries & requests: privacy@getfloa.com

14) Intellectual Property; Feedback

Except for your Customer Content and Creator Content, all rights in the Services and our trademarks, logos, and content are owned by Floa or its licensors. You grant Floa a perpetual, irrevocable, royalty-free license to use Feedback (ideas, suggestions) to improve the Services with no obligation to you.

15) Publicity (Optional)

We may identify you (name and logo) as a customer in our marketing materials and website. You may opt out anytime by emailing privacy@getfloa.com.

16) Service Availability; Support; Beta

We aim for high availability but do not guarantee uninterrupted service. We may provide support per your plan and Documentation. Beta/Pre-release features are provided as-is without commitments and may be withdrawn.

17) Warranties & Disclaimers

You represent that you have the necessary rights to Customer Content and your use will comply with these Terms and laws.

Creators additionally represent that they have all necessary rights to offer their Creator Content for sale, and that their Creator Content does not infringe any third-party rights.

THE SERVICES AND PLATFORM ARE PROVIDED "AS IS" AND "AS AVAILABLE." TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

FLOA MAKES NO WARRANTIES REGARDING CREATOR CONTENT. CREATOR CONTENT IS PROVIDED BY THIRD-PARTY CREATORS, NOT FLOA. FLOA DOES NOT WARRANT THE QUALITY, ACCURACY, COMPLETENESS, LEGALITY, OR FITNESS FOR PURPOSE OF ANY CREATOR CONTENT.

18) Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW:

NEITHER PARTY WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR LOST PROFITS/REVENUE/GOODWILL, EVEN IF ADVISED OF THE POSSIBILITY.
FLOA'S TOTAL LIABILITY ARISING OUT OF OR RELATED TO THE SERVICES IS LIMITED TO THE AMOUNT PAID OR PAYABLE BY YOU TO FLOA FOR THE SERVICES IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.
CREATOR CONTENT: FLOA'S LIABILITY FOR ANY CLAIMS RELATED TO CREATOR CONTENT IS LIMITED TO REFUNDING THE PLATFORM FEES ASSOCIATED WITH THE DISPUTED TRANSACTION. FLOA IS NOT LIABLE FOR THE CREATOR CONTENT ITSELF OR ANY DAMAGES ARISING FROM YOUR USE OF CREATOR CONTENT.

Nothing in these Terms limits liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any liability that cannot be excluded under applicable law.

19) Indemnification

19.1 By All Users

You will defend, indemnify, and hold harmless Floa and its affiliates against claims, damages, liabilities, costs, and expenses arising from: (a) your Customer Content; (b) your use of the Services in violation of these Terms or law.

19.2 By Creators

Creators additionally will defend, indemnify, and hold harmless Floa against claims, damages, liabilities, costs, and expenses arising from: (a) their Creator Content, including any claims by Students or third parties; (b) any third-party claim alleging that Creator Content infringes or misappropriates rights; (c) any breach of Creator's representations regarding their Creator Content; (d) any disputes with Students regarding refunds, content quality, or fulfillment.

19.3 By Floa (IP Infringement)

If a third party claims that the Platform (as provided by Floa, excluding Creator Content) infringes its IP rights, we will defend you and pay damages finally awarded (or settlement we approve), provided you promptly notify us and cooperate. We may, at our option: (i) modify or replace the Services; (ii) procure the right for continued use; or (iii) terminate the affected Services and refund any prepaid, unused fees for the remaining term. This Section does not apply to claims arising from Creator Content, combinations with non-Floa products, your modifications, or use not in accordance with these Terms or the Documentation.

20) Disputes Between Creators and Students

Disputes between Creators and Students regarding Creator Content (including refunds, content quality, access issues, or fulfillment) are between those parties.

Direct Resolution: Creators and Students should attempt to resolve disputes directly and in good faith.
Floa's Discretion: Floa may, but is not obligated to, assist in resolving disputes. Any assistance is provided at Floa's sole discretion and does not create any obligation to intervene in future disputes.
Platform Integrity: Floa reserves the right to take action (including suspending Accounts, withholding payouts, or issuing refunds) where we reasonably believe fraud, abuse, or serious policy violations have occurred.

21) Suspension & Termination

We may suspend or limit the Services immediately if: (a) needed to protect the Services or users; (b) you breach these Terms; or (c) required by law.

Either party may terminate for material breach if not cured within 30 days after written notice. You may terminate at any time via your Account for convenience (no refund unless stated in Section 11).

Upon termination, your access ceases. We will make Customer Content export available for 30 days after termination (except where prohibited by law or security). We may delete data thereafter per our retention and backup schedules.

For Creators: Upon termination, Students who previously purchased your Creator Content will retain access to that content in accordance with the terms of their purchase.

For Students: Upon termination, you will lose access to the Platform but may retain access to any Creator Content you have downloaded in accordance with the applicable license terms.

22) Export Controls & Sanctions

You must comply with applicable export, re-export, and sanctions laws. You may not access or use the Services in restricted jurisdictions or for prohibited end uses.

23) Anti-Bribery; Modern Slavery

You will comply with applicable anti-bribery and anti-corruption laws and must not engage in any form of modern slavery or human trafficking in connection with the Services.

24) Governing Law & Venue

These Terms are governed by the laws of England and Wales, excluding conflict-of-laws rules. The courts of London, England have exclusive jurisdiction, and each party waives objections to venue. If you are a consumer, mandatory local law protections may also apply.

25) Changes to the Services or Terms

We may modify the Services and these Terms from time to time. If changes are material, we will provide notice (e.g., in-app or email). Your continued use of the Services after the effective date of changes constitutes acceptance.

26) Notices

We will send notices to the email associated with your Account. You will send notices to: privacy@getfloa.com.

27) Miscellaneous

Force Majeure: Neither party is liable for delays/failures due to causes beyond reasonable control.
Assignment: You may not assign these Terms without our prior written consent; we may assign to an affiliate or in a corporate transaction.
Subcontractors: We may use subcontractors (including Subprocessors) with appropriate safeguards.
Severability: If any provision is unenforceable, the remainder remains in effect.
No Waiver: Failure to enforce a provision is not a waiver.
Entire Agreement: These Terms (and any Orders, DPA, and incorporated policies) are the entire agreement and supersede prior agreements on the subject.

Incorporated & Linked Documents

Contact

Questions about these Terms or the Services? Email privacy@getfloa.com.