These Terms of Service ("Terms") constitute a legally binding agreement between you and Duori ("Duori," "we," "us," or "our") governing your access to and use of the Duori mobile application, website, and all related services (collectively, the "Service").
By downloading, installing, creating an account for, or using Duori, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy, which is incorporated herein by reference.
If you do not agree to these Terms, do not use the Service.
To use Duori, you must:
Duori is not available to persons under the age of 18. By using the Service, you represent and warrant that you meet all eligibility requirements. If you do not meet these requirements, you must not use the Service.
Duori is a personal budgeting application that provides the following features:
We strive to maintain reliable service but do not guarantee uninterrupted access. The Service may be unavailable due to maintenance, technical issues, or circumstances beyond our control. We are not liable for any loss resulting from service interruptions.
All content generated by Duo and all features of the Duori app are provided for informational and entertainment purposes only. Nothing in the Service constitutes:
Duo's responses are generated by an AI model and are based on the financial data you enter into the app. The AI may make errors, misinterpret data, or provide responses that are not appropriate for your specific situation. Always exercise your own judgment and consult qualified professionals before making significant financial decisions.
Duori explicitly disclaims any liability for financial decisions you make based on information provided by the Service.
You must create an account to use Duori. You may register with an email and password, or by using Sign in with Apple or Google Sign-In. You agree to provide accurate, current, and complete information during registration and to keep this information updated. You may not create an account using a false identity or on behalf of another person without authorization.
You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. You agree to:
We are not liable for any loss or damage arising from unauthorized use of your account resulting from your failure to maintain account security.
Each user may maintain only one active Duori account. Creating multiple accounts to circumvent subscription requirements or account suspensions is prohibited.
Duori is a paid subscription service. Full access to the app's features requires an active subscription. We currently offer:
Where offered, a plan may include a free trial period (for example, 7 days). If you do not cancel before the trial ends, your paid subscription begins automatically and your payment method will be charged. From time to time we may also grant promotional or early-access free access to certain users; such access is provided at our discretion and may be modified or discontinued.
Prices are subject to change with advance notice. Applicable taxes may be added depending on your location.
Subscriptions are sold and processed through the Apple App Store (on iOS) or Google Play (on Android), and are managed on our side through RevenueCat. Your payment method on file with Apple or Google will be charged at the beginning of each billing period. By subscribing, you authorize the applicable app store to charge your payment method on a recurring basis until you cancel.
Duori does not directly collect or store your payment card information. All billing disputes must be directed to the app store that processed your purchase.
Subscriptions automatically renew at the end of each billing period unless cancelled at least 24 hours before the renewal date. You can manage or cancel your subscription at any time:
Refund requests are handled by Apple or Google in accordance with their respective refund policies. Duori does not directly issue refunds.
We do not offer prorated refunds for partial subscription periods.
We reserve the right to change our subscription prices. We will give you at least 30 days' notice of any price increase via email or in-app notification. Price changes take effect at the start of your next billing cycle following the notice period. If you do not agree to a price change, you must cancel your subscription before it renews at the new price.
If your payment fails and cannot be recovered, your access to the Service will be suspended until the outstanding amount is resolved. We are not responsible for any data loss or service interruption resulting from non-payment.
You agree to use Duori only for lawful purposes and in accordance with these Terms. You agree not to:
Violation of these prohibited uses may result in immediate termination of your account without refund.
Duo's responses are generated by an artificial intelligence language model. You acknowledge and agree that:
We reserve the right to modify, improve, or replace the AI model powering Duo at any time without notice.
Duori and all of its contents, features, and functionality — including but not limited to the application code, design, graphics, text, logos, the "Duori" and "Duo" names and characters, and all AI-generated output produced by our systems — are owned by Duori and are protected by applicable intellectual property laws in Canada, the United States, and internationally.
You are granted a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial use, subject to these Terms.
You may not:
"User Content" means any content you submit to the Service, including chat messages, uploaded images (for the affordability check feature), and any other data you provide.
You retain ownership of your User Content. By submitting User Content to the Service, you grant Duori a limited, non-exclusive, royalty-free license to use, process, and store such content solely as necessary to provide and improve the Service.
You represent and warrant that:
We do not use your financial data or chat messages to train AI models without your explicit consent. Images submitted for the affordability check are processed ephemerally and not stored.
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, OR NON-INFRINGEMENT.
We do not warrant that:
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, DUORI AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO:
IN ANY CASE, OUR TOTAL LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR RELATING TO THE SERVICE SHALL NOT EXCEED THE TOTAL AMOUNT YOU PAID TO DUORI IN THE SIX (6) MONTHS PRECEDING THE CLAIM.
Nothing in these Terms is intended to limit any rights you may have under applicable Canadian consumer protection legislation, including provincial consumer protection acts, which may provide rights that cannot be contractually waived.
You agree to defend, indemnify, and hold harmless Duori and its officers, directors, employees, and agents from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or in any way connected with:
You may stop using the Service and delete your account at any time through the app's Settings → Account → Delete Account. Cancelling your subscription does not automatically delete your account. Upon account deletion, your personal data will be deleted in accordance with our Privacy Policy.
We reserve the right to suspend or terminate your account and access to the Service, with or without notice, for any reason including:
Upon termination, your right to use the Service ceases immediately. Provisions of these Terms that by their nature should survive termination will survive, including ownership provisions, disclaimers, indemnification, and limitations of liability.
We will not refund any prepaid subscription fees upon termination for cause.
These Terms are governed by and construed in accordance with the laws of the Province of Ontario and the federal laws of Canada applicable therein, without regard to conflict of law principles.
We encourage you to contact us first at nathan.arasuo@gmail.com to resolve any dispute informally. Most concerns can be resolved quickly this way.
If we are unable to resolve a dispute informally within 30 days, either party may submit the dispute to binding arbitration administered under the applicable arbitration rules. The arbitration shall be conducted in English in Ontario, Canada.
To the extent permitted by applicable law, you agree to resolve disputes with Duori only on an individual basis and not as part of any class, consolidated, or representative action. If applicable law prohibits this waiver for your claim, that claim must be severed from any arbitration and brought in court.
Nothing in this section limits your right to bring a claim before a Canadian provincial consumer protection tribunal or small claims court where permitted by law.
If you are a resident of Ontario, your use of the Service is also subject to the Consumer Protection Act, 2002 (Ontario). If you are a resident of another Canadian province or territory, the applicable consumer protection legislation of your province or territory also applies. Nothing in these Terms overrides your statutory rights under applicable provincial consumer protection legislation.
For users in Quebec: These Terms are written in English. You acknowledge that you have requested and agreed that these Terms, and all related documents, be written in English. Les présentes conditions sont rédigées en anglais. Vous reconnaissez avoir demandé et accepté que ces conditions, ainsi que tous les documents connexes, soient rédigés en anglais.
Prices displayed in Canadian dollars (CAD) are converted at prevailing exchange rates and may vary. The app store will charge you in your local currency.
We reserve the right to modify these Terms at any time. When we make material changes, we will:
Changes take effect 14 days after notice is provided. Your continued use of the Service after the effective date of changes constitutes your acceptance of the updated Terms. If you do not agree to the updated Terms, you must stop using the Service and delete your account.
If you have questions about these Terms or need support, please contact us:
We aim to respond to all inquiries within 3 business days.