Legal

Last updated: 2026-07-26

Terms of Use

These terms are the agreement between you and Scoli Inc., a Canadian corporation operating as Appfi, at 280 Joseph St, Suite 2000, Kitchener, Ontario N2G 4Z5, Canada. In this document, "we", "us" and "our" mean Scoli Inc., and "you" means you.

They cover appfi.dev, the Appfi assistant you reach by text message, and the payment pages at appfi.dev/pay. Together we call those the Service.

Reach us at support@appfi.dev, or +1 519 729 3188, or by post at the address above.

The short version. Appfi is a personal assistant you text. It costs $20 CAD a month. It can be wrong, so check anything that matters. You own what you text it and what it makes for you. Cancel whenever you like and it stops at the end of the period you paid for. Ontario law governs. If you are a consumer in Ontario, Quebec, the EU or the UK, the parts of this agreement that your law does not allow simply do not apply to you, and we say so in each place.

Contents

  1. Agreeing to these terms
  2. Who can use Appfi
  3. What the Service is
  4. What Appfi can and cannot do, and what that means for you
  5. Connected accounts and what you are authorising
  6. Your content
  7. Acceptable use
  8. Our intellectual property
  9. Price, billing and renewal
  10. Cancelling, and refunds
  11. Third-party services
  12. Suspension and ending the agreement
  13. Disclaimer
  14. Limitation of liability
  15. Indemnity
  16. Disputes, governing law and where to sue
  17. Changes to these terms
  18. Everything else
  19. How to reach us

1. Agreeing to these terms

By using the Service, or by ticking the box at checkout, you agree to these terms and to our Privacy Policy. If you do not agree, do not use the Service.

If you are agreeing on behalf of a company, you are confirming you have the authority to bind it, and "you" then means that company as well as you.

2. Who can use Appfi

You must be 18 or over. Appfi is not for children.

You need a phone number that can receive iMessage, RCS or SMS. Your carrier's message and data rates are between you and your carrier.

3. What the Service is

Appfi is a personal assistant you reach by text message. You text it in ordinary words. It replies, it remembers you between conversations, and it does things you ask, then tells you whether it actually finished.

We grant you a personal, non-exclusive, non-transferable, revocable right to use the Service while your subscription is current. Your subscription covers one person: you. Do not resell it, share your line with a crowd, or run someone else's business through it as though it were their own account.

We may change, add to or withdraw features. Where a change removes something you were relying on and you are a consumer, section 17 tells you what you can do about it.

4. What Appfi can and cannot do, and what that means for you

This is the most important section in this document, so it is in plain words.

Appfi is built on large language models. It can be confidently wrong. It can misread a message, invent a detail, miss a step, or say it did something it did not do. We build hard against that, and the assistant is designed to tell you when it failed rather than pretend it succeeded, but we cannot promise it never happens.

So: check anything that matters before you act on it. Do not use Appfi as your only source for a medical, legal, financial, tax or safety decision. Do not use it for emergencies. If you need emergency help, call your local emergency number.

The assistant is honest about its own state. If a capability is not connected, it says so rather than guessing. The current capability list on the founding terms page is what you are paying for today. Anything beyond that list is something we may add later, not something you are owed now.

5. Connected accounts and what you are authorising

You can connect an email or calendar account so the assistant can act on it. This is off unless you turn it on.

When you connect one, you are authorising us to access that account on your behalf, within the permissions shown on your provider's consent screen, and to act there as you: to read what is needed to answer you, to send mail as you where you have granted that, and to create or change calendar events where you have granted that.

Three things follow from that, and you should read them before you connect anything.

  • What the assistant sends, you sent. A message it sends from your account is your message as far as the recipient, your provider and the law are concerned. You are responsible for it.
  • You are responsible for having the right to connect the account. If it is your employer's mailbox, that is between you and your employer, and their policy may not allow it.
  • Your provider's rules still apply. Google, Microsoft and the rest each have their own terms for your account, and connecting Appfi does not displace them.

You can disconnect at any time, from the assistant or from your provider's own security settings. Revoking stops all further access immediately.

What we do with data from a connected account, and what we will never do with it, is set out in section 5 of the Privacy Policy. The short version: we use it to do what you asked, for you, and we never use it to train an AI model.

6. Your content

You own what you text the assistant, what you send it, and what it produces for you. We do not claim ownership of any of it.

You give us permission to store, process, transmit and display that content, and to send it to the processors named in the Privacy Policy, only so far as is needed to run the Service for you, to keep it secure, and to meet our legal obligations. That permission lasts while your content is on the Service and ends when it is deleted, apart from routine database backups, which are kept for up to fourteen days and then deleted automatically.

We do not use your content to train or fine-tune AI models. That is a commitment, not a preference, and it is repeated in the Privacy Policy.

You confirm you have the right to send us what you send, and that it does not break anyone else's rights.

If you are in a country with moral rights in your own content, you agree not to assert them against us so far as we need to do the acts listed above, and where those rights cannot be waived, you consent to that use to the extent your law permits. Personal information inside your content is governed by the Privacy Policy and data-protection law, not by this section.

7. Acceptable use

Do not use Appfi to:

  • break the law, or help anyone else break it;
  • harass, threaten, defraud, impersonate or stalk anyone, or send unsolicited bulk messages;
  • produce or distribute content that is unlawful, defamatory, or that sexualises or endangers a minor;
  • infringe anyone's intellectual property, privacy or other rights;
  • access accounts, systems or data you are not entitled to, or ask the assistant to;
  • probe, scan or test the security of the Service, or interfere with it or the networks that carry it;
  • try to extract the model, jailbreak it, inject instructions to make it ignore its rules, or otherwise get it to do something it declines to do;
  • generate deceptive synthetic media, or use output to mislead people about who they are dealing with;
  • resell the Service, or scrape or copy it to build a competing product;
  • automate the line in a way that turns a personal assistant into a bulk messaging system.

We may investigate suspected breaches, cooperate with authorities, and restrict or end access for conduct we reasonably conclude breaks this section. Section 12 says how.

8. Our intellectual property

The Service, the software behind it, the site, the name Appfi and our logos belong to us and our licensors. You get the limited right in section 3 and nothing else; all other rights are reserved.

You may not copy, modify, distribute, sell, lease, reverse-engineer or make derivative works of any part of the Service, except where the law says a contract cannot stop you.

If you are in the EU or the UK, nothing here removes your right to make a back-up copy, to observe, study and test the software, or to decompile it for interoperability, as Directive 2009/24/EC or the Copyright, Designs and Patents Act 1988 permits.

9. Price, billing and renewal

The price is $20 CAD per month for one person, excluding tax. We add GST, HST or an equivalent tax where the law requires it.

Payment is taken by Stripe, under Stripe's own terms and privacy policy. Your card details go to Stripe directly. We never see or store your full card number, only a token, the brand, the last four digits and whether the charge worked. Stripe maintains its own PCI DSS compliance.

Your subscription renews automatically every month until you cancel. Before you pay, we show you clearly that it continues and renews unless you cancel, how often it renews, the recurring amount, and how to cancel. When you enter your billing details and confirm at checkout, that is your express consent to those terms. There is no free trial.

If we raise the price, we will tell you at least 7 and no more than 30 days before the new amount takes effect, and tell you the new amount, the date, and how to cancel. If you signed up on the founding offer, your price is locked for 12 months from your first paid activation, as the founding terms set out.

If a payment fails, the Service stays available during one 14-day grace period while it is sorted out. If it is not resolved by the end of that window, the Service stops.

How to cancel: see the next section. You can always cancel the same way you signed up, without being made to jump through hoops.

10. Cancelling, and refunds

Cancel at any time by texting the assistant or emailing support@appfi.dev. We process it for the end of the period you have already paid for. You keep the Service until then. There is no cancellation fee.

Fees already paid are not refundable, and there is no credit for unused time in a month, except where the law requires a refund or where we have failed to provide the Service.

Your statutory rights survive this. Nothing in this section limits a consumer right that cannot be waived, and where they conflict, your rights win.

  • EU, EEA and UK consumers generally have 14 days to withdraw from a purchase without giving a reason. Because Appfi starts working the moment you subscribe, when you subscribe you are asking us to start immediately and acknowledging that you lose the right to withdraw once we have. To withdraw within the period, email support@appfi.dev.
  • Canadian consumers keep every cancellation, cooling-off and refund right that federal and provincial law gives them, and those rights prevail over this section wherever they conflict.

11. Third-party services

The assistant reads web pages, and can work with accounts you connect. Those services belong to other people. We do not control them, we are not responsible for what they contain or do, and their terms govern your use of them.

12. Suspension and ending the agreement

You can stop using Appfi and close your account at any time.

We may suspend or end your access if you seriously break these terms or the acceptable-use section; if the law or a regulator requires it; if providing the Service to you becomes unlawful or genuinely impractical; or if there is an urgent security or technical problem. Where the reason is not something you did, and it is reasonably possible, we will give you notice first.

When the agreement ends, your right to use the Service ends. Sections that are meant to outlast it do: your content rights, the disclaimer, limitation of liability, indemnity, and disputes.

Your messages and what the assistant remembered about you are then deleted 90 days after the account closes, or when you ask if you ask us sooner. Some records outlast that: billing and tax records stay at least seven years because the law requires it, files already in cloud storage are removed by hand rather than on a schedule, and the record that you asked us to stop contacting you is kept so we can honour it. The Privacy Policy sets out every period and what enforces each one.

If you are a consumer, we will only suspend or end your access immediately and without notice where you have seriously breached these terms or where the law requires it. Otherwise we will give reasonable notice and a chance to put it right, and we will refund anything you have paid for a period we did not provide, unless the reason was your own breach. Where the law requires it, including the Digital Services Act for users in the EU, we will give you a statement of reasons and tell you how to challenge it.

13. Disclaimer

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE". TO THE MAXIMUM EXTENT PERMITTED BY LAW, SCOLI INC. AND ITS LICENSORS DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED OR STATUTORY, INCLUDING THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE OR ERROR-FREE, OR THAT ANYTHING THE ASSISTANT TELLS YOU WILL BE ACCURATE OR COMPLETE. SOME JURISDICTIONS DO NOT ALLOW THESE EXCLUSIONS, IN WHICH CASE THEY APPLY ONLY TO THE MINIMUM EXTENT AND FOR THE SHORTEST DURATION THE LAW PERMITS.

If you are a consumer, you have legal rights this disclaimer does not touch, including guarantees that a service is provided with reasonable care and skill and that what you get matches what was described. Those come from, among others, EU Directives 2019/770 and 2019/771, the UK Consumer Rights Act 2015, the Ontario Consumer Protection Act, 2002, and the Quebec Consumer Protection Act. The "as is" wording applies to you only so far as your law allows.

14. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SCOLI INC., ITS DIRECTORS, OFFICERS, EMPLOYEES AND AGENTS ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFIT, REVENUE, DATA OR GOODWILL, ARISING OUT OF OR RELATING TO THE SERVICE, ON ANY THEORY OF LIABILITY, EVEN IF WE WERE TOLD SUCH LOSS WAS POSSIBLE. OUR TOTAL LIABILITY FOR ALL CLAIMS WILL NOT EXCEED THE GREATER OF (A) WHAT YOU PAID US IN THE 12 MONTHS BEFORE THE EVENT, OR (B) CAD 100. THESE LIMITS APPLY EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

Nothing in these terms excludes or limits our liability for death or personal injury caused by our negligence; fraud or fraudulent misrepresentation; gross negligence or wilful misconduct; or anything else the law applicable to you does not permit us to exclude or limit. For Quebec consumers that includes liability for bodily or moral injury under article 1474 of the Civil Code of Quebec. For UK and EU consumers it includes the mandatory protections of consumer law.

If you are a consumer, we are responsible for loss or damage you suffer that is a foreseeable result of our breaking this agreement or failing to use reasonable care and skill, and the monetary cap above does not apply to a claim your consumer law does not permit us to cap.

15. Indemnity

If you use the Service in a way that breaks the law, or you connect an account you had no right to connect, and someone brings a claim against us because of it, you will defend us and cover the resulting claims, damages, losses and reasonable legal costs. We will tell you promptly about any such claim, and we may take over its defence at your cost, with your cooperation.

If you are a consumer, this section applies only to claims arising directly from your unlawful use of the Service or from content you sent that infringes someone else's rights, and only to the extent your liability is actually established under the law that applies to you. It does not make you responsible for anything we did, and it does not limit your statutory rights.

16. Disputes, governing law and where to sue

Talk to us first. Almost everything gets sorted faster by email. Write to support@appfi.dev and give us 30 days before starting anything formal.

Governing law. These terms, and any dispute about them or the Service, are governed by the laws of the Province of Ontario and the federal laws of Canada that apply there, without regard to conflict-of-laws rules. Subject to the arbitration paragraph below, the courts of Ontario have jurisdiction, and each of us consents to that. The UN Convention on Contracts for the International Sale of Goods does not apply.

Arbitration, for users in the United States. If you are in the United States, you and Scoli Inc. agree that any dispute arising out of or relating to these terms or the Service will be resolved by binding individual arbitration, administered by the American Arbitration Association under its Consumer Arbitration Rules, and not in court. The Federal Arbitration Act governs it. The arbitration is held in Toronto, Ontario, or, if you are a consumer and you prefer, in the county where you live or by videoconference. We will pay the arbitration fees for a consumer claim. Either of us may still bring an individual claim in small-claims court. The arbitrator decides threshold questions of arbitrability, except that a court decides whether this delegation or the class-action waiver is enforceable. This paragraph does not apply to any claim the Ending Forced Arbitration of Sexual Assault and Sexual Harassment Act (9 U.S.C. 402) lets you bring in court.

30-day opt-out. You can opt out of arbitration within 30 days of first accepting these terms by emailing support@appfi.dev with your name, the phone number on your account, and a statement that you are opting out. Opting out changes nothing else in this agreement, and we will not treat you differently for it.

Class-action and jury-trial waiver, for users in the United States. YOU AND SCOLI INC. AGREE THAT EACH MAY BRING CLAIMS ONLY INDIVIDUALLY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY CLASS, COLLECTIVE OR REPRESENTATIVE PROCEEDING. The arbitrator may not preside over a class or representative proceeding. If this waiver is held unenforceable for a particular claim, that claim alone goes to court and the rest of the arbitration agreement still applies. TO THE EXTENT PERMITTED BY LAW, EACH PARTY WAIVES ANY RIGHT TO A JURY TRIAL.

Consumers, and the carve-outs that matter. Where the law that applies to you does not permit pre-dispute consumer arbitration or a class-action waiver, those two paragraphs do not apply to you at all, and you keep your right to go to court and to join a class proceeding. That includes consumers in Ontario (Consumer Protection Act, 2002, ss. 7 and 8), Quebec (Consumer Protection Act, s. 11.1) and other Canadian provinces with equivalent protections; consumers in the European Union, who may bring proceedings in, and have the benefit of the mandatory law of, the Member State where they live (Regulations (EU) 1215/2012 and (EC) 593/2008) and who keep their collective-redress rights (Directive (EU) 2020/1828); and consumers in the United Kingdom, so far as such a term would be unfair under the Consumer Rights Act 2015 or unenforceable under the Arbitration Act 1996. Where a jury trial is available to you and a pre-dispute waiver is not allowed, for example in California, the jury-trial waiver does not apply to you. After a dispute has arisen, you are always free to agree to arbitrate it.

17. Changes to these terms

We may update these terms. If a change is material, we will give you at least 30 days notice before it takes effect, by posting the new version with a new "Last updated" date and by texting you. Changes are not retroactive. Carrying on using the Service after a change takes effect means you accept it.

If you are a consumer, we will only change these terms for a real reason, such as a change in the law, a security or technical requirement, or a change to what the Service does. If you do not agree with a change, you may reject it and close your account before it takes effect, without penalty, and get back anything you paid for a period we then do not provide. For Quebec consumers, amendments follow sections 11.2 and 11.3 of the Consumer Protection Act.

18. Everything else

Severability. If a provision is held invalid, it is enforced as far as it can be, and if it cannot be, it is removed and the rest stands.

Entire agreement. These terms, the Privacy Policy, and the founding terms at appfi.dev/pay/terms if you subscribed on that offer, are the whole agreement about the Service. Where the founding terms conflict with these on a commercial point, the founding terms win.

No waiver. Not enforcing something once does not mean we give up the right to enforce it later. A waiver only counts if we put it in writing.

Assignment. You may not assign this agreement without our written consent. We may assign it, including in a merger, acquisition or sale of assets, and the buyer stays bound by the Privacy Policy and data-protection law.

Force majeure. We are not liable for a failure or delay caused by something outside our reasonable control, including natural disasters, epidemics, pandemics and public-health emergencies, war, terrorism, civil unrest, government orders, strikes, and failures of the internet, telecommunications networks, electrical power, messaging carriers, model providers or cloud hosting, and cyberattacks. Our time to perform extends for as long as the event lasts, and we will work to resume.

If you are a consumer, nothing in "entire agreement" excludes our liability for a fraudulent or negligent misrepresentation, or for something we said about the Service that you reasonably relied on; and "force majeure" does not take away your right to a refund or another remedy for a Service we end up unable to provide.

19. How to reach us

  • Email: support@appfi.dev
  • Privacy matters: privacy@appfi.dev
  • Phone: +1 519 729 3188
  • Post: Scoli Inc., 280 Joseph St, Suite 2000, Kitchener, Ontario N2G 4Z5, Canada