Terms of Service — Umbrellia

At a Glance

• By using Umbrellia, you agree to these Terms and our Privacy Policy.
• You must be 18 or older to create an account; minors may participate only as members a parent or guardian manages.
• Paid plans are billed through the App Store or Google Play and renew automatically until you cancel.
• Refunds are handled by Apple or Google under their policies — not by Umbrellia directly.
• You own the content you create. Your Vault is end-to-end encrypted and we cannot read it.
• Umbrellia is a household-organization tool — not financial, legal, medical, or professional advice.
• You can stop using Umbrellia and delete your account at any time.

1. Acceptance of These Terms

These Terms of Service (“Terms”) are a binding agreement between you and Umbrellia LLC (“Umbrellia,” “we,” “us,” or “our”), a Wyoming limited liability company. They govern your access to and use of the Umbrellia mobile application and related websites and services (together, the “Service”).

By creating an account, downloading the app, or otherwise 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. Eligibility & Your Account

• You must be at least 18 years old (or the age of majority where you live) to create an account and agree to these Terms.
• Minors may participate in a household only as members created and managed by an adult account administrator, who is responsible for their use of the Service.
• You are responsible for the accuracy of your account information and for keeping your credentials and device secure.
• You are responsible for all activity that occurs under your account. Notify us promptly at support@umbrellia.app if you suspect unauthorized use.
• You may not share your account, or create an account on behalf of someone else without their authorization.

3. The Service

Umbrellia is a household-management app for individuals, couples, and families — including tasks, calendar, habits, mood, notes, a secure document Vault, kitchen and meal planning, optional bank-connection insights, the Brellie AI companion, and related features. Features vary by plan and may change, be added, or be removed over time.

We may modify, suspend, or discontinue any part of the Service at any time. We will make reasonable efforts to notify you of material changes that affect features you actively use.

4. Subscriptions, Billing & Refunds

4.1 Plans & Free Trials

Umbrellia offers free and paid subscription plans. Paid features may be offered with a free trial. If you do not cancel before a free trial ends, the trial automatically converts to a paid subscription and you will be charged.

4.2 Auto-Renewal

Paid subscriptions renew automatically at the end of each billing period (for example, monthly or annually) at the then-current price, unless you cancel 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.

4.3 Payment & Cancellation Through the App Stores

Subscriptions are purchased and managed through your Apple App Store or Google Play account, processed via RevenueCat and the applicable app store. Umbrellia does not collect or store your payment-card details. You can manage or cancel your subscription at any time in your App Store or Google Play account settings; cancellation takes effect at the end of the current billing period.

4.4 Refunds

Because payments are processed by Apple or Google, refund requests are governed by, and must be made through, Apple’s or Google’s respective policies. Umbrellia generally cannot issue refunds directly for app-store purchases. Except where required by law, payments are non-refundable.

4.5 Price Changes

We may change subscription prices. Price changes apply to future billing periods and, where required, we (or the app store) will notify you in advance and obtain any consent the platform requires. If you do not agree to a new price, you may cancel before it takes effect.

5. Households, Partner Connections & Shared Content

Umbrellia is built for shared household use. You control what household members can see, as described in our Privacy Policy.

• When you invite someone to your household (for example, by sharing an invite code or link), they join with their own account and gain access to the content the household shares. Only invite people you intend to share household information with.
• If you join another person’s household, you are accessing a home they administer. Account and household administrators control household settings and membership.
• You may leave a household, and administrators may remove a member, subject to the in-app controls. Leaving or removing a member may permanently delete that member’s contributed content from the household and is not reversible.
• You are responsible for your own conduct within a household and for content you contribute to it.

6. Your Content

You retain ownership of the content you create, upload, or store in the Service (“Your Content”). You grant Umbrellia a limited, non-exclusive license to host, store, process, and display Your Content solely to operate and provide the Service to you and the household members you share with.

You are responsible for Your Content and for having the rights to it. Your Vault documents are encrypted end-to-end on your device; Umbrellia stores only ciphertext and cannot read them, which also means we cannot recover Vault contents if you lose your encryption keys or recovery passphrase. We do not use Your Content to train AI models.

7. Acceptable Use

You agree not to:

• Use the Service for any unlawful purpose or in violation of these Terms;
• Upload content that is illegal, infringing, or that you do not have the right to share;
• Attempt to access another user’s account or data without authorization;
• Reverse engineer, decompile, scrape, or attempt to extract source code, except to the extent permitted by law;
• Interfere with, disrupt, overload, or attempt to gain unauthorized access to the Service or its infrastructure;
• Use the Service to harass, abuse, or harm another person, including household members.

We may suspend or terminate access for conduct that violates these Terms or that we reasonably believe is harmful to other users, us, or third parties.

8. AI Features (Brellie)

The Service includes AI-powered features, including the Brellie companion and AI suggestions, provided on an “as is” basis. AI output may be inaccurate, incomplete, or unsuitable for your situation. It is provided for convenience and is not professional advice. You are responsible for reviewing and deciding whether to rely on any AI-generated content. See our Privacy Policy for what information is and is not sent to AI services.

9. Financial Features

If you choose to connect a bank account through Stripe Financial Connections, Umbrellia receives read-only access to display spending and subscription insights. Umbrellia does not move money and cannot initiate transfers, payments, or transactions. Financial information shown in the Service is for your convenience only and is not financial, tax, investment, or accounting advice. Verify important figures with your financial institution.

10. Health & Wellness Features

Features that use health, sleep, hydration, or mood data (including any wellness score) are for personal informational purposes only and are not medical advice, diagnosis, or treatment. Do not rely on the Service for medical decisions. Consult a qualified professional for health concerns.

11. Third-Party Services

The Service relies on third-party providers (for example, Apple, Google, Supabase, Stripe, RevenueCat, Twilio, and others described in our Privacy Policy). Your use of those services may be subject to their own terms and policies. Umbrellia is not responsible for third-party services we do not control.

12. Intellectual Property

The Service, including its software, design, text, graphics, and trademarks (but excluding Your Content), is owned by Umbrellia or its licensors and is protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable, revocable license to use the Service for your personal, non-commercial household use, subject to these Terms. No other rights are granted.

13. Privacy

Your use of the Service is also governed by our Privacy Policy, which explains how we collect, use, share, and protect your information.

14. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. We do not warrant that the Service will be uninterrupted, error-free, secure, or that data will never be lost. You are responsible for maintaining your own backups of important information where possible.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, UMBRELLIA AND ITS OFFICERS, MEMBERS, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF DATA, PROFITS, OR GOODWILL, ARISING FROM OR RELATED TO YOUR USE OF THE SERVICE. OUR TOTAL LIABILITY FOR ANY CLAIM RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID UMBRELLIA IN THE TWELVE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) USD $50. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

16. Indemnification

You agree to indemnify and hold harmless Umbrellia from any claims, damages, liabilities, and expenses (including reasonable legal fees) arising out of Your Content, your use of the Service, or your violation of these Terms or applicable law.

17. Termination

You may stop using the Service and delete your account at any time from Settings → Account → Delete Account. We may suspend or terminate your access if you violate these Terms or if we discontinue the Service. Upon termination, your right to use the Service ends; sections that by their nature should survive (including ownership, disclaimers, limitation of liability, and indemnification) will survive. Account deletion is handled as described in our Privacy Policy.

18. Changes to the Service & These Terms

We may update these Terms from time to time. When we make material changes, we will update the “Last Updated” date and, where appropriate, provide notice in the app or by other reasonable means. Your continued use of the Service after changes take effect constitutes acceptance of the updated Terms. If you do not agree, discontinue use and delete your account.

19. Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Wyoming, USA, without regard to its conflict-of-laws rules. Before filing a formal claim, you agree to first contact us at support@umbrellia.app and attempt to resolve the dispute informally in good faith for at least 30 days.

Any dispute that cannot be resolved informally will be subject to the exclusive jurisdiction of the state and federal courts located in Wyoming, and you consent to personal jurisdiction and venue there, except where applicable law gives you the right to bring a claim in your local courts.

20. Miscellaneous

• Entire agreement: These Terms and the Privacy Policy are the entire agreement between you and Umbrellia regarding the Service.
• Severability: If any provision is found unenforceable, the remaining provisions remain in effect.
• No waiver: Our failure to enforce a provision is not a waiver of it.
• Assignment: You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets.
• Apple/Google terms: If you use the app via the App Store or Google Play, the applicable platform’s terms also apply, and the platform is a third-party beneficiary of these Terms with the right to enforce them.

21. Contact Us

Questions about these Terms? Contact us:

• Email: support@umbrellia.app
• Mailing address: Umbrellia LLC, Wyoming, USA