OptimizeMyLife — Terms of Service

Effective: July 14, 2026 Operator: 9569-7173 Québec inc., doing business as OptimizeMyLife Registered address: 780 chemin du lac Brompton, Orford, Québec, J1X 6L7, Canada Contact: support@optimizemylife.ai

These Terms of Service (the "Terms") are a binding legal agreement between you and 9569-7173 Québec inc., doing business as OptimizeMyLife ("OptimizeMyLife", "we", "us", "our"), a corporation constituted under the laws of the Province of Québec, Canada. They govern your use of OptimizeMyLife and Félix. We have kept them honest and readable — no fine-print traps — but they are still a real contract.

Please read them carefully. By creating an account, activating a FOX key, subscribing to a plan, purchasing a power, or otherwise accessing or using the Service, you agree to these Terms. If you do not agree, please do not use the Service.

Some words are capitalized because they are defined in Section 2. A few topics — privacy, refunds, acceptable use — have their own dedicated documents, and these Terms point you to them. Together, those documents form the full agreement (see Section 30).

Language / Langue. The English version of these Terms is the governing version. La version anglaise des présentes conditions est la version qui gouverne. A French version is provided. Une version française est fournie. For Québec consumers: in accordance with the Charter of the French Language (Bill 96), the French version is made available to you before you agree to these Terms, and if there is any discrepancy that concerns a mandatory right of a Québec consumer, the interpretation most favourable to the consumer prevails. Pour les consommateurs du Québec : conformément à la Charte de la langue française (Loi 96), la version française vous est fournie avant que vous acceptiez les présentes conditions et, en cas de divergence portant sur un droit impératif d'un consommateur québécois, l'interprétation la plus favorable au consommateur prévaut. See also Section 30 (Governing language).

1. Who we are and how to reach us

OptimizeMyLife is operated by 9569-7173 Québec inc., doing business as OptimizeMyLife. Our registered address is 780 chemin du lac Brompton, Orford, Québec, J1X 6L7, Canada.

You can reach us any time at support@optimizemylife.ai. That is also the address for legal notices to us, unless a specific section says otherwise (see Section 26).

2. Definitions

For clarity throughout these Terms:

"Service" means OptimizeMyLife in all its forms — the web chat, the mobile application, the desktop application, and the Telegram bot and Mini App — together with Félix, all related features, Powers, and any software, content, and updates we provide.
"Félix" means the AI companion and personal assistant at the heart of the Service.
"Power" means an optional feature, capability, or add-on that extends what Félix can do, offered on a subscription or one-time basis. We only offer Powers that actually work at the time you buy them.
"FOX key" means the private key that serves as your identity and your access to the Service, in place of a traditional username-and-password login. See Section 6.
"Account" means the profile, settings, memory, history, and entitlements tied to your FOX key.
"Connector" means an optional, third-party account or data source you choose to link to the Service (for example Gmail, Google Calendar, Notion, GitHub, Slack, a financial account through Plaid, weather data, or map and travel-time data). See Section 8.
"AI Engines" means the third-party large-language-model providers (for example, providers reached through OpenRouter) that generate Félix's responses.
"User Content" means anything you input, submit, upload, connect, or transmit through the Service, including your messages to Félix and any data drawn from a Connector you choose to link.
"Output" means the responses, suggestions, drafts, summaries, and other content Félix or the Service generates in reply to you.
"Consumer" means a natural person who uses the Service primarily for personal, family, or household purposes and who is protected as a consumer under the mandatory law that applies to you, including a "consommateur" within the meaning of the Québec Consumer Protection Act.
"AUP", "Privacy Policy", and "Refund Policy" mean, respectively, the Acceptable Use Policy, the Privacy Policy, and the Refund Policy that we publish and that are incorporated into these Terms by reference (see Section 30).

3. What the Service is

OptimizeMyLife gives you Félix, an AI companion and personal assistant you talk to through chat. You can reach Félix across several surfaces — the web, a mobile app, a desktop app, and a Telegram bot and Mini App — and, where you enable them, through the Connectors and Powers described in these Terms.

Some plans and add-ons — the Powers — extend what Félix can do. Availability of a specific Power is described where you buy it. We only offer what actually works today; we do not sell Powers that are not built yet.

The Service is delivered as software you access over the internet. It is licensed, not sold, and no ownership of the Service passes to you. We may add, change, or remove features, plans, and Powers over time.

4. Your licence to use the Service

Subject to these Terms and to your payment of any applicable fees, we grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable licence to access and use the Service for your own lawful personal or internal business purposes.

You agree not to, and not to permit or help anyone else to:

(a) copy, modify, translate, or create derivative works of the Service, except as applicable law expressly permits despite this restriction;
(b) reverse-engineer, decompile, disassemble, or attempt to extract the source code, underlying models, or prompts, except to the limited extent applicable law allows and this restriction cannot be waived;
(c) rent, lease, lend, sell, resell, sublicense, or otherwise commercially exploit the Service or access to it, except as we expressly permit;
(d) remove or obscure any proprietary notices;
(e) use the Service to build a competing product or to train a competing AI model; or
(f) access the Service through automated means (scraping, bots, harvesting) except through interfaces we provide.

Everything not expressly granted to you is reserved to us and our licensors.

5. Early preview — what to expect

Félix is offered as an early preview. We build in the open and improve quickly, and we want to be honest about what that means:

Features may change, be added, or be removed.
Félix can occasionally be wrong, unavailable, or incomplete.
The Service may have downtime, bugs, interruptions, or rough edges.

Please do not rely on the Service for anything where a mistake would be costly without verifying it yourself. The "as is" disclaimer in Section 19 and the limitation of liability in Section 20 apply with particular force during the early preview. This honesty about the preview does not reduce any right the law gives you as a Consumer (see Sections 19, 20, and 27).

6. Your FOX key and your Account

Your access is tied to a FOX key instead of a traditional password. This matters, so please read it carefully:

Anyone who holds your FOX key can reach your Account — your settings, your memory, your conversations with Félix, your connected data, and your entitlements. Treat your FOX key like a password and a key to your home at once: keep it private, store it somewhere safe, and do not share it with anyone you do not fully trust.
You are responsible for keeping your FOX key confidential and for activity carried out under it, except to the extent a loss is caused by our fault or is not attributable to you. Because the key is the identity, we generally cannot tell an authorized use from an unauthorized one; nothing in this Section makes you responsible for unauthorized use to any greater extent than the mandatory law that protects you allows.
We may not be able to recover a lost key or restore access the way a password-reset flow would. Losing your key can mean losing access to your Account.
Tell us right away at support@optimizemylife.ai if you believe your FOX key has been lost, exposed, or used without your permission, so we can help limit the impact. Once you notify us, we will take reasonable steps to help protect your Account.

You agree that the information you provide is accurate and kept up to date, and that you will use the Service only through the interfaces we provide.

7. Eligibility and minors

To hold your own Account and pay for the Service, you must be old enough to enter into a binding contract in your jurisdiction and not otherwise barred from using the Service under applicable law.

We take minors seriously and keep the rules simple:

We do not create accounts for children, and we do not knowingly collect personal information from children.
Content intended for children and teens is parent-mediated by design. A responsible adult sets it up and stays accountable for it.
Félix's assistant and installer Powers are not available to minors.
The autonomous agent is restricted to users 18 years of age or older. Any feature where Félix can take actions on your behalf is for adults only.

If you set up or supervise any use of the Service for a minor, you do so as the responsible adult, you represent that you have the authority to do so, and you accept these Terms on their behalf and on your own behalf, and you are responsible for that use. If we learn that a person under the applicable minimum age has created an Account in breach of these rules, we may suspend or close it.

8. Connectors and your consent

Félix can be more useful when you connect other tools. Connectors are entirely optional, require your affirmative consent for each Connector at the time you connect it, and Félix only ever accesses what you choose to connect.

Read-only by default. The Connectors — including Gmail, Google Calendar, Notion, GitHub, Slack, your bank via Plaid, weather (Open-Meteo), and travel time (Google Maps) — are accessed on a read-only basis unless we expressly state otherwise where you enable the feature. Félix reads to understand and help; he does not send email, move money, transfer funds, or make changes in those tools on his own as a default capability.
Actions that spend your money or your time require your explicit, case-by-case OK. Before Félix does anything that commits money or time on your behalf, he asks and you decide. We do not treat a general grant of access as standing authorization for financial or time-committing actions.
Google-connected data. Our access to and use and transfer of information received from Google APIs (such as Gmail and Google Calendar) adheres to the Google API Services User Data Policy, including the Limited Use requirements. That means we use Google user data only to provide and improve the user-facing features you connected it for; we do not sell it; we do not use it for advertising; we do not use it to train, develop, or improve generalized AI/ML models; and we do not allow humans to read it except in the narrow cases that policy permits (for example, with your affirmative consent, for security purposes, to comply with applicable law, or where the data has been aggregated and anonymized).
Banking data via Plaid. If you connect a bank, Plaid handles the bank sign-in and we never receive or store your banking credentials. Félix gets read-only access to information such as balances and transactions — never the ability to move money or make transactions. Your use of the Plaid-powered connection is also subject to Plaid's own end-user terms and privacy policy, and we handle bank-derived data consistent with Plaid's requirements and our Privacy Policy.
You are in control. You can disconnect any Connector at any time, which stops future access.

How each type of Connector data is collected, used, stored, retained, and deleted — including token lifetimes — is described in the Privacy Policy and in the Connected Accounts & Data Consent notice, both incorporated into these Terms by reference. By connecting a Connector, you represent that you have the right to connect that account and to allow us to process the data it exposes.

9. Subscriptions, billing, and automatic renewal

Plans and prices. We offer recurring subscription plans across six tiers, currently priced from US$25 to US$300 per month (or as otherwise shown at checkout), and separate one-time purchases (for example, individual Powers and lifetime packs). All fees are billed in the currency shown at checkout (USD unless otherwise stated). The features, exact price, currency, and billing frequency of each plan or purchase are shown to you at checkout before you pay.

Payment processing. Payments made directly to us are processed by our third-party payment processors, currently Stripe, with LemonSqueezy available as a redundant processor. By purchasing, you authorize us and our processors to charge your chosen payment method for the amounts due. Your payment is also subject to the processor's own terms. We do not store your full payment-card numbers ourselves. How payment data is handled is described in our Privacy Policy. Purchases you make through an app store are billed by that store instead — see Section 10.

Automatic renewal — please read.

Paid subscriptions are billed in advance on a recurring basis and renew automatically at the then-current price for successive periods equal to your original term, until you cancel.
You authorize this recurring charge when you subscribe, and it continues until you cancel as described in Section 12.
We make the renewal nature, frequency, and amount clear before you subscribe. Where applicable law — including the Québec Consumer Protection Act for qualifying contracts — requires renewal information, an advance renewal reminder, or your renewed consent, we will provide it or ask for it. Your statutory rights regarding automatically renewing contracts and contracts of successive performance are preserved and are not waived by these Terms.

One-time purchases. One-time Powers and packs are charged once, at the price shown, and are not recurring.

Founder discount. A founder discount of −25% for life may be offered to the first 500 subscribers, applied to the eligible subscription for as long as that subscription remains continuously active and uninterrupted, subject to the specific terms shown when you claim it. Eligibility is limited and first-come; we will tell you if a founder rate applies to you. If a founder subscription lapses or is cancelled, the discount may not be recoverable.

Price changes. We may change plan prices. Any price change applies to your next renewal, not to a term you have already paid for, and we will give you the advance notice required by applicable law. If you do not accept a price change, you may cancel before it takes effect.

Taxes. Prices are exclusive of applicable taxes (for example, Canadian GST/QST) unless stated otherwise. You are responsible for taxes that apply to your purchase, which we may add at checkout as required by law.

No consumer card surcharge. We do not impose any additional "card fee" or payment-method surcharge on Consumers for paying by credit or debit card. The price a Consumer sees for the Service is the price the Consumer pays, plus applicable taxes only.

Failed payments. If a charge fails, we may retry, and we may suspend or downgrade paid features until payment succeeds. You remain responsible for amounts properly owed.

10. App stores — Apple App Store and Google Play

You may access parts of the Service through applications distributed by the Apple App Store or Google Play. When you do, the terms in this Section also apply, and — where a store's rules conflict with these Terms for the app you obtained from that store — the store's rules govern to the extent of the conflict for that app.

Apple App Store (Licensed Application End User Licence Agreement). If you download our app from the Apple App Store, you acknowledge and agree that:

these Terms are between you and OptimizeMyLife only, and not with Apple; Apple is not responsible for the app or its content;
the licence granted to you in Section 4 is a non-transferable licence to use the app on any Apple-branded product that you own or control, as permitted by the App Store Usage Rules, except that the app may be accessed and used by other accounts associated with you via Family Sharing or volume purchasing where applicable;
Apple has no obligation to furnish any maintenance or support services for the app;
to the maximum extent permitted by applicable law, Apple has no warranty obligation with respect to the app, and any claims, losses, liabilities, damages, costs, or expenses attributable to any failure of the app to conform to any warranty are our responsibility, not Apple's, subject to Sections 19 and 20;
Apple is not responsible for addressing any claims by you or a third party relating to the app or your possession or use of it, including product-liability claims, any claim that the app fails to conform to any legal or regulatory requirement, and claims arising under consumer-protection, privacy, or similar legislation;
in the event of any third-party claim that the app or your possession and use of it infringes that third party's intellectual-property rights, we, not Apple, are solely responsible for the investigation, defence, settlement, and discharge of that claim to the extent required by these Terms;
you represent that you are not located in a country subject to a U.S. Government embargo or designated by the U.S. Government as a "terrorist supporting" country, and that you are not on any U.S. Government list of prohibited or restricted parties; and
Apple and its subsidiaries are third-party beneficiaries of these Terms with respect to the Apple-sourced app, and upon your acceptance of these Terms Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary. You must also comply with any applicable Apple Media Services Terms and Conditions when using the app.

Google Play. If you download our app from Google Play, your use is also subject to the Google Play Terms of Service and the applicable Google Play Business and Program Policies, and you agree to comply with them.

In-app purchases and billing. Where you buy a subscription or one-time purchase through an app store's in-app purchase system, that purchase is processed by Apple or Google (not by Stripe or LemonSqueezy), and the store's own rules govern billing, price display, taxes, automatic renewal, cancellation, and refunds for that purchase. In that case you manage renewal and cancellation through your App Store or Google Play account, refunds are requested from and handled by the store under its policy, and our Refund Policy applies only to purchases made directly from us. We will indicate at checkout which billing channel applies. Nothing in this Section removes any mandatory right you have as a Consumer.

11. Free trials and promotions

If we offer a free trial, promotional rate, or credit, the specific terms are stated when you claim it. Unless we say otherwise, a trial that is not cancelled before it ends converts into a paid subscription that renews automatically under Section 9, and promotional rates apply only for the stated period before reverting to the standard price. One offer per person unless stated. We may end or change promotions prospectively. Where applicable law requires specific disclosures or renewed consent before a trial converts to paid, we will comply.

12. Cancellation

You can cancel any time from your Account settings or by writing to support@optimizemylife.ai. If you purchased through an app store, cancel through that store's subscription settings (see Section 10).

Cancellation stops the next renewal. Unless applicable law or the Refund Policy provides otherwise, you keep access to paid features through the end of the period you have already paid for.
We do not charge cancellation, lock-in, or early-termination fees.
Cancelling a subscription does not automatically delete your data (you can erase your data as described in the Privacy Policy) and does not automatically refund it (refunds are covered in Section 13).
Your statutory cancellation and resiliation rights — including any right of a Québec Consumer to resiliate a distance contract or a contract of successive performance under the Consumer Protection Act — are preserved and prevail over anything in this Section to the contrary.

13. Refunds

Refunds for purchases made directly from us are governed by our dedicated Refund Policy, which is incorporated into these Terms by reference. Its core terms — which these Terms restate here so they are clear — are:

14-day window, pro-rated to usage. You may request a refund within fourteen (14) days of the charge. An eligible refund is pro-rated to the portion of the service you have actually consumed — you are refunded for the part you have not used.
Used one-time Powers are non-refundable. A one-time Power that has already been consumed is non-refundable. A one-time Power you have only partially used may be refundable in proportion to the unused portion, as set out in the Refund Policy.
We will make it right. If OptimizeMyLife is not right for you, contact support@optimizemylife.ai and we will work it out fairly and promptly.
Your legal rights prevail. Where applicable mandatory consumer-protection law gives you stronger rights than our Refund Policy — including any mandatory reimbursement, cancellation, or remedy rights under the Québec Consumer Protection Act and comparable laws where you live — those rights apply and prevail.

If there is ever a conflict between the Refund Policy and a mandatory legal right you hold as a Consumer, the legal right wins. Purchases made through an app store are refunded under that store's policy, not this Section (see Section 10).

14. Acceptable use

Please use the Service lawfully and decently. Your use is also governed by our Acceptable Use Policy (AUP), incorporated into these Terms by reference. At a minimum, and without limiting the AUP, you agree not to use the Service to:

break any law or regulation, or facilitate illegal activity;
infringe or misappropriate the intellectual-property, privacy, publicity, or other rights of anyone;
harm, harass, threaten, defame, defraud, impersonate, or exploit any person, or generate content that sexually exploits or endangers minors;
send spam, upload or generate malware or other harmful code, or attempt to gain unauthorized access to, disrupt, overload, probe, or reverse-engineer the Service or its underlying systems, models, or prompts;
scrape or harvest the Service, or use bots or automated means except as we permit;
resell, rebrand, sublicense, or provide the Service to third parties except as expressly permitted;
misrepresent Output as human-verified professional advice, or use the Service to make automated decisions about people that require human oversight under applicable law; or
use the Service to develop a competing product or to train a competing model.

We may investigate suspected violations and may suspend or end access that puts the Service, us, or other people at risk, as described in Section 22.

15. Your Content and ownership

What you tell Félix stays yours. As between you and us, you retain all rights you hold in your User Content. We do not claim ownership of it.

Licence to operate the Service. You grant us a worldwide, non-exclusive, royalty-free licence to host, store, reproduce, process, transmit, and display your User Content, and to create derived data (such as Félix's memory notes) — solely to the extent necessary to operate, secure, maintain, and improve the Service for you, and to send your words to the AI Engines that generate Félix's replies. This licence exists only to run the Service for you and ends when your User Content is deleted from our active systems, except for residual backup copies kept for a limited time or anything we must retain by law, as described in the Privacy Policy.

Aggregated and de-identified data. We may create and use aggregated or de-identified data (which does not identify you) to operate, secure, analyze, and improve the Service.

Output. As between you and us, and to the extent permitted by law and by our AI Engines' terms, we assign to you our rights in the Output Félix generates for you, and you may use it for your own purposes, subject to these Terms and the AUP. Because AI generates similar responses for many users, Output is not exclusive to you, similar or identical Output may be generated for others, and Output may be subject to third-party rights we cannot sign away. You are responsible for reviewing Output before relying on, acting on, or sharing it.

Feedback. If you send us suggestions or feedback, you grant us a perpetual, irrevocable, royalty-free licence to use it without restriction or obligation to you.

Your responsibility. You represent that you have the rights necessary to submit your User Content and to grant the licences above, and that your User Content and your use of Output do not violate these Terms, the AUP, or any law or third-party right.

How your User Content is stored, shared with providers, retained, and deleted is described in our Privacy Policy.

16. Not professional advice

Félix's Output is generated by third-party AI Engines (for example, engines reached through OpenRouter routing to various large language models), and Félix can be wrong.

Félix is not a doctor, lawyer, accountant, tax professional, financial advisor, or therapist, and nothing the Service produces is professional medical, legal, financial, tax, or therapeutic advice. Output is provided for general informational and productivity purposes only. For any decision that materially affects your health, finances, taxes, legal situation, or safety, consult a qualified licensed professional. You are solely responsible for how you act on any Output, and you should independently verify anything important before relying on it. This Section does not exclude any liability that cannot be excluded by law.

17. Intellectual property

The Service — including Félix, the software, models integration, user interfaces, designs, text, graphics, the "OptimizeMyLife" and "Félix" names, logos, and branding, and all related intellectual property — is owned by us or our licensors and is protected by intellectual-property and other laws. Except for the limited licence in Section 4, these Terms grant you no right, title, or interest in the Service or our intellectual property, and no right to use our trademarks without our prior written permission. All rights not expressly granted are reserved.

18. Copyright complaints — Notice-and-Notice (Canada) and DMCA

We respect intellectual-property rights and require the same of our users (see Section 14). If you believe content on or transmitted through the Service infringes your copyright, tell us so we can respond.

Designated copyright agent. Send copyright notices to our designated agent at copyright@optimizemylife.ai (or in writing to 9569-7173 Québec inc. (OptimizeMyLife), 780 chemin du lac Brompton, Orford, Québec, J1X 6L7, Canada, Attention: Copyright Agent).

What a notice must contain. Please include: (a) your contact information; (b) identification of the copyrighted work you claim has been infringed; (c) identification of the material you claim is infringing and information reasonably sufficient to let us locate it (such as a URL, or the relevant account or message); (d) the details of the claimed infringement; and (e) where you rely on the U.S. DMCA, a statement that you have a good-faith belief the use is not authorized, a statement made under penalty of perjury that the information in your notice is accurate and that you are the copyright owner or authorized to act on its behalf, and your physical or electronic signature.

Canada — Notice-and-Notice. For matters governed by Canada's Copyright Act (sections 41.25–41.27), we operate under the statutory notice-and-notice regime: on receiving a compliant notice of claimed infringement, we will forward it to the relevant user where the Act requires and retain records as required by law. Notice-and-notice does not, by itself, require us to remove content, and a notice must not include the settlement-demand or payment-request content that the Act prohibits.

DMCA counter-notice. Where the U.S. DMCA applies and content of yours was removed or disabled, you may send a counter-notice to copyright@optimizemylife.ai with the required identifying information, a statement made under penalty of perjury that you have a good-faith belief the material was removed or disabled as a result of mistake or misidentification, and your consent to jurisdiction as the DMCA provides.

Repeat infringers. We may remove or disable access to allegedly infringing content and, in appropriate circumstances, suspend or terminate the Accounts of users who repeatedly infringe the intellectual-property rights of others, as described in Section 22.

Misrepresentations. Knowingly making a material misrepresentation in a copyright notice or counter-notice may expose you to liability.

19. Disclaimer of warranties ("as is")

To the fullest extent permitted by applicable law, the Service, Félix, and all Output are provided "AS IS" and "AS AVAILABLE", with all faults, and without warranties or conditions of any kind, whether express, implied, statutory, or otherwise. We specifically disclaim all implied warranties and conditions of merchantability, fitness for a particular purpose, quality, title, accuracy, and non-infringement, and any warranties arising from course of dealing or usage of trade.

Without limiting the foregoing, we do not warrant that the Service will be uninterrupted, timely, secure, or error-free; that Output will be accurate, complete, reliable, or fit for any purpose; that defects will be corrected; or that the Service is free of harmful components. Any material obtained through the Service is used at your own discretion and risk.

Consumer note. Some jurisdictions, including Québec, do not allow the exclusion of certain warranties or legal guarantees. Where that is the case, the exclusions in this Section apply only to the extent permitted by the law that applies to you, and any mandatory legal warranty or guarantee you hold as a Consumer — including the legal warranty of quality under the Québec Consumer Protection Act and the Civil Code of Québec — remains fully in force.

20. Limitation of liability

To the fullest extent permitted by applicable law:

No indirect damages. OptimizeMyLife, 9569-7173 Québec inc., and our directors, officers, employees, contractors, agents, suppliers, and licensors (together, the "OML Parties") will not be liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for any loss of profits, revenue, data, goodwill, business, or anticipated savings, arising out of or relating to the Service or these Terms, even if advised of the possibility of such damages, and regardless of the theory of liability.
No liability for reliance on Output or Connectors. Without limiting the above, the OML Parties are not liable for any loss arising from your reliance on Output, from actions taken or not taken based on the Service, from the accuracy or availability of Connector data, or from any third-party service (including AI Engines, payment processors, and Connectors).
Liability cap. Subject to any liability that cannot be limited under the law that applies to you and to the mandatory rights of Consumers, the total aggregate liability of the OML Parties for all claims arising out of or relating to the Service or these Terms will not exceed the total amount you paid to OptimizeMyLife in the three (3) months before the event giving rise to the claim, or US$100, whichever is greater.

Mandatory-law carve-out. Nothing in these Terms excludes or limits liability that cannot be excluded or limited under the law that applies to you — including liability for gross or intentional fault, for bodily or moral injury, or under mandatory consumer-protection law such as the Québec Consumer Protection Act. If you are a Consumer, the limitations and exclusions in Sections 19 and 20 apply only to the extent permitted by the mandatory law that protects you, and those mandatory rights and remedies prevail over any conflicting provision here. This allocation of risk reflects the price of the Service and is a fundamental basis of the bargain between us.

21. Indemnification

To the fullest extent permitted by applicable law, and subject to any limits that apply to you as a Consumer, you agree to defend, indemnify, and hold harmless the OML Parties from and against any third-party claims, demands, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to: (a) your use or misuse of the Service; (b) your User Content or your use of Output; (c) your Connectors or the data you connect, including any lack of authority to connect them; (d) your violation of these Terms, the AUP, or the Privacy Policy; or (e) your violation of any law or of any third-party right.

We may assume the exclusive defence and control of any matter subject to indemnification by you, in which case you agree to cooperate with us, and you will not settle any matter that imposes an obligation on us without our prior written consent. If you are a Consumer, this indemnity applies only to the extent permitted by the mandatory law that protects you and does not require you to indemnify us for our own fault where such law prohibits it.

22. Suspension and termination

By you. You may stop using the Service and cancel your subscription at any time (Section 12), and you may delete your data as described in the Privacy Policy.

By us. We may suspend or terminate your access to the Service, in whole or in part, with or without notice, if: (a) you materially breach these Terms, the AUP, or the Privacy Policy; (b) your use poses a security, legal, or operational risk to the Service or to others; (c) you fail to pay amounts due; (d) we are required to do so by law; (e) you repeatedly infringe the intellectual-property rights of others (see Section 18); or (f) we discontinue the Service. Where the breach is capable of cure and the law permits, and other than for serious or urgent issues, we will use reasonable efforts to give you notice and an opportunity to cure before terminating for cause.

Effect of termination. On termination, your licence under Section 4 ends and you must stop using the Service. We will handle your data as described in the Privacy Policy, including honouring deletion requests and any retention the law requires. You remain responsible for amounts properly owed, and any refund you are due is governed by Section 13 and the Refund Policy. Termination does not affect any mandatory refund or resiliation right you have as a Consumer.

Survival. Sections that by their nature should survive — including Definitions (Section 2), licence restrictions (Section 4), ownership and intellectual property (Sections 15 and 17), copyright complaints (Section 18), non-advice (Section 16), disclaimers (Section 19), limitation of liability (Section 20), indemnification (Section 21), dispute resolution (Section 27), the limitation period (Section 28), governing law (Section 29), and the general provisions (Section 30) — survive termination or expiry, along with any other provision that by its nature is intended to survive.

23. Force majeure

We will not be liable for any delay or failure to perform caused by events beyond our reasonable control, including acts of nature, fire, flood, storm, natural disasters, epidemics or pandemics, war, terrorism, civil unrest, labour disputes, governmental action, power or internet failures, or failures or disruptions of third-party services (including AI Engines, hosting providers, payment processors, and Connectors). This Section does not excuse payment obligations already due, and it does not relieve us of any mandatory obligation owed to a Consumer under applicable law.

24. Privacy and data protection

Your privacy is governed by our Privacy Policy, incorporated into these Terms by reference, which describes what we collect, how we use it, who processes it (including the AI Engines, Stripe/LemonSqueezy, Plaid, and hosting providers), how long we keep it, and your rights. Because our users may be anywhere in the world while we are based in Québec, our handling of personal information is designed to comply with the mandatory privacy laws that apply to you, including:

the Québec Act respecting the protection of personal information in the private sector, as modernized by Law 25 — including our appointment of a person in charge of the protection of personal information (Privacy Officer), our obligation to obtain consent, our confidentiality-incident assessment and notification obligations, and your rights of access, rectification, portability, and de-indexation;
Canada's federal PIPEDA (Personal Information Protection and Electronic Documents Act);
for users in the European Union / EEA and the United Kingdom, the core principles of the GDPR / UK GDPR (lawful basis, data-subject rights, and international-transfer safeguards); and
for California residents, the CCPA/CPRA (including the rights to know, delete, correct, and opt out of the "sale" or "sharing" of personal information — which we do not do).

Our Privacy Officer / Responsable de la protection des renseignements personnels is Maxime Jodoin, reachable at support@optimizemylife.ai. To exercise a privacy right, or to reach our Privacy Officer, write to support@optimizemylife.ai. Where a privacy law grants you a right that these Terms do not address, that right applies.

25. Changes to these Terms

As the Service grows, we may update these Terms. When we make a change, we will update the "Effective" date above and, for material changes, take reasonable steps to notify you (for example, by in-product notice or email) and, where the law requires renewed consent, ask for it before the change applies to you. Changes are prospective; they do not retroactively rewrite a term you have already paid for. Changes take effect when posted unless a later date is stated, and your continued use of the Service after a change takes effect means you accept the updated Terms. If you do not agree, you may cancel under Section 12.

Consumer amendment protection. If you are a Québec Consumer, we will not unilaterally amend an essential element of your contract (such as the nature of the Service, the price, or the term) except as permitted by the Québec Consumer Protection Act: we will notify you in a separate document, in writing, at least 30 days and no more than 90 days before the change takes effect, setting out the new or amended clause and the former text, the date the change takes effect, and your right to refuse the change and to resiliate the contract without penalty by notifying us before the change takes effect. Comparable protections required by other mandatory consumer laws are similarly honoured.

26. Notices

To you. We may give you notices by posting in the Service, by email to the address associated with your Account, or through the surface you use (web, mobile, desktop, or Telegram), or by other reasonable means. You are responsible for keeping your contact information current.

To us. You may send us legal notices at support@optimizemylife.ai or in writing to 9569-7173 Québec inc. (OptimizeMyLife), 780 chemin du lac Brompton, Orford, Québec, J1X 6L7, Canada. Copyright notices go to copyright@optimizemylife.ai (Section 18) and privacy requests to support@optimizemylife.ai (Section 24). Notices are deemed given when sent (for electronic notice) or when delivered (for physical notice).

27. Dispute resolution and arbitration

Let's talk first. Most problems can be solved quickly. If you have a concern, please contact us at support@optimizemylife.ai and give us at least 30 days to work it out in good faith before starting any formal proceeding.

Arbitration (where permitted). Except where prohibited by the mandatory law that applies to you, any dispute arising out of or relating to these Terms or the Service that is not resolved informally will be finally resolved by binding, confidential arbitration administered under recognized commercial arbitration rules, before a single arbitrator, seated in the Province of Québec, Canada, conducted in English or French — except that either party may bring an individual claim in small-claims court, and either party may seek urgent injunctive relief from a court to protect intellectual property, confidential information, or against misuse of the Service. To the extent permitted by law, disputes will be arbitrated only on an individual basis, and you and we waive any right to participate in a class, collective, or representative proceeding. Judgment on the award may be entered in any court of competent jurisdiction.

Québec and other consumer carve-out — this is important. If you are a Québec Consumer, the arbitration requirement and the class-action / representative-action waiver in this Section do NOT apply to you and are not enforceable against you. Under article 11.1 of the Québec Consumer Protection Act, you cannot be compelled to arbitrate, be prevented from bringing your dispute before the courts, or be deprived of your right to be a member of a class action. Québec Consumers retain the right to bring proceedings before the courts of Québec (see Section 29), including before the Small Claims Division where eligible. The same carve-out applies to any other Consumer whose mandatory local law makes such arbitration, class-action-waiver, or forum-selection clauses void or unenforceable; in that case, those clauses do not apply to you to the extent prohibited, and the rest of this Section is severable. Your mandatory statutory rights always prevail over anything in this Section.

28. Time to bring a claim

To the extent permitted by the law that applies to you, any claim or action arising out of or relating to these Terms or the Service must be commenced within one (1) year after the cause of action arises; otherwise it is permanently barred. This time limit does not apply where mandatory law — including consumer-protection law — provides a longer period that cannot be shortened by agreement, in which case that longer period applies. Nothing in this Section shortens any prescription or limitation period that mandatory law reserves to a Consumer.

29. Governing law and courts

These Terms, and any dispute arising out of or relating to them or to the Service, are governed by the laws of the Province of Québec and the applicable federal laws of Canada, without regard to conflict-of-laws rules and excluding the United Nations Convention on Contracts for the International Sale of Goods.

Subject to Section 27 (arbitration, where it applies) and to any mandatory rule that gives you a different forum, the courts of the Province of Québec, judicial district of Saint-François, have jurisdiction over any dispute, subject to the mandatory consumer-protection rules of the place where the user resides. If you are a Consumer, this does not deprive you of the right to bring proceedings in the courts of the place where you are domiciled or reside, or of the protection of the mandatory consumer-protection law that applies where you live — including, for a Québec Consumer, the right to sue in the district of your own domicile under article 3149 of the Civil Code of Québec and the Consumer Protection Act.

30. General provisions

Incorporated policies. The Privacy Policy, the Acceptable Use Policy, the Refund Policy, and the Connected Accounts & Data Consent notice are incorporated into and form part of these Terms. If there is a direct conflict between these Terms and a specific incorporated policy on a matter that policy governs, the incorporated policy controls for that matter.
Entire agreement. These Terms, together with the incorporated policies and any order, plan, or purchase details shown at checkout, are the entire agreement between you and us regarding the Service and supersede all prior agreements and understandings on that subject.
Governing language. The English version of these Terms is the governing version, and a French version is provided. For a Québec Consumer, the French version is made available before you agree (Bill 96), and in the event of a discrepancy affecting a mandatory consumer right, the interpretation most favourable to the Consumer prevails. La version anglaise gouverne; une version française est fournie; pour un consommateur québécois, en cas de divergence portant sur un droit impératif, l'interprétation la plus favorable au consommateur prévaut.
Assignment. You may not assign or transfer these Terms, your Account, or your FOX key without our prior written consent. We may assign these Terms, in whole or in part, to an affiliate or in connection with a merger, acquisition, reorganization, or sale of assets, on notice to you and provided the assignee agrees to honour these Terms. In any such assignment, the successor must be bound by confidentiality commitments at least as protective as those in our Privacy Policy, and any personal information — including data from Connectors you have linked, such as Google-connected data — is transferred only in accordance with your consent and the applicable data-protection policies and laws (see the Privacy Policy and the Connected Accounts & Data Consent notice). Where required by law, we will notify Consumers of such an assignment. Any attempted transfer by you in breach of this Section is void.
Severability. If any provision of these Terms is held invalid or unenforceable, that provision will be modified to the minimum extent necessary or severed, and the remaining provisions remain in full force and effect.
No waiver. Our failure to enforce any provision is not a waiver of our right to enforce it later, and any waiver must be in writing to be effective.
No third-party beneficiaries. Except for the OML Parties named in Sections 20 and 21, and Apple as described in Section 10, these Terms create no third-party beneficiary rights.
Relationship. These Terms do not create any partnership, joint venture, agency, or employment relationship between you and us.
Headings. Section headings are for convenience only and do not affect interpretation.
Export and sanctions. You represent that you are not located in, and will not use the Service in, a country or region subject to comprehensive sanctions, and that you are not a person with whom dealings are prohibited under applicable trade-control laws.
Precedence of mandatory law. Nothing in these Terms is intended to waive, exclude, or limit any right or remedy you have under mandatory law that cannot be waived, excluded, or limited. Any provision that conflicts with such mandatory law is superseded by that law to the minimum extent necessary, and the rest of these Terms remain in effect.

31. Contact

9569-7173 Québec inc., doing business as OptimizeMyLife 780 chemin du lac Brompton, Orford, Québec, J1X 6L7, Canada Email: support@optimizemylife.ai Copyright agent: copyright@optimizemylife.ai Privacy Officer: support@optimizemylife.ai

Questions about these Terms? Write to support@optimizemylife.ai, read our Privacy Policy, or head back home. Thanks for using OptimizeMyLife.

Draft — pending review by legal counsel.