F³
F³

Terms of Service

Last updated: June 25, 2026

1. Acceptance of Terms

These Terms of Service ("Terms") constitute a legally binding agreement between you ("User," "you," or "your") and F-Cube (stylized as F³; "F-Cube," "we," "us," or "our") governing your access to and use of the F-Cube platform available at app.f-cube.io and f-cube.io.

By accessing or using F-Cube, you confirm that you have read, understood, and agree to be bound by these Terms. If you do not agree to these Terms, you must not access or use the platform.

You must be at least 13 years of age to use F-Cube. By using the platform, you represent that you are at least 13 years old and have the legal capacity to enter into this agreement.

2. Description of Service

F-Cube is a Life Operating System — a productivity and organizational tool — that provides:

  • Expense tracking and splitting among individuals and groups
  • Group and circle management for coordinating shared finances
  • Document storage and organization (Document Vault)
  • Goal tracking and financial milestone management
  • Reminders, to-dos, and life management utilities

F-Cube is a tool, not a financial institution. F-Cube does not hold, transfer, invest, or manage any actual money. F-Cube does not provide banking services, payment processing, investment advice, or any regulated financial services. All financial figures within F-Cube are informational records entered by users.

3. Account Responsibilities

You are solely responsible for:

  • Account security: Maintaining the confidentiality of your account credentials, including your OAuth tokens. You must notify us immediately at hello@f-cube.io if you suspect unauthorized access to your account.
  • Accurate information: Providing accurate, current, and complete information when creating your account and using the platform.
  • All activities under your account: All actions taken using your account credentials, whether authorized by you or not, until you notify us of a security breach.
  • Single account: You may not create multiple accounts to circumvent service limits or restrictions.

4. Acceptable Use

You agree to use F-Cube only for lawful purposes and in accordance with these Terms. You must not use F-Cube to:

  • Engage in or facilitate fraud, money laundering, or any illegal financial activity
  • Violate any applicable local, national, or international law or regulation
  • Upload or transmit content that is illegal, harmful, abusive, or infringes on others' rights
  • Scrape, crawl, or extract data from the platform using automated means without our written consent
  • Interfere with or disrupt the platform's infrastructure or security
  • Attempt to gain unauthorized access to other users' accounts or data
  • Use the platform to send unsolicited communications (spam)
  • Impersonate any person or entity, or falsely represent your affiliation with any person or entity
  • Reverse engineer, decompile, or disassemble any part of the platform

We reserve the right to suspend or terminate your account and take appropriate legal action for any violations of this section.

5. User Content

You retain ownership of all data and content you upload or enter into F-Cube ("User Content"), including expenses, documents, notes, and group information.

By uploading or entering User Content, you grant F-Cube a limited, non-exclusive, worldwide, royalty-free license to store, process, and display your User Content solely for the purpose of providing the service to you. We do not use your User Content for advertising or share it with third parties except as described in our Privacy Policy.

You represent and warrant that: (a) you own your User Content or have the right to grant us the license described above; (b) your User Content does not violate any applicable law, third-party right, or these Terms; and (c) you are solely responsible for the legality, accuracy, and appropriateness of all User Content you upload.

6. Financial Data Disclaimer

Critical Notice

Please read this section carefully. It defines the limits of F-Cube's role regarding financial information.

  • No financial advice: F-Cube does not provide financial, investment, tax, or legal advice. Nothing in the platform should be construed as a recommendation to take any financial action.
  • User-entered data only: All financial data in F-Cube is manually entered by you or other users. F-Cube has no connection to any bank account, credit card, payment processor, or financial institution.
  • No accuracy guarantees: F-Cube makes no representations or warranties regarding the accuracy of split calculations, balances, or any other financial figures displayed. You are solely responsible for verifying all amounts, splits, and settlements before taking any action based on them.
  • Not a bank or payment processor: F-Cube does not hold funds, process payments, transfer money, or act as a financial intermediary in any capacity.
  • No actual money transfers: F-Cube records and displays who owes what, but does not facilitate, execute, or guarantee any actual transfer of funds between users. Any money transfers must be arranged independently between parties.
  • User responsibility for disputes: Any financial disputes between users are entirely the responsibility of those users. F-Cube is not a party to any financial arrangement between users and bears no responsibility for resolving such disputes.

7. Limitation of Liability

Important Notice

Please read this section carefully. It significantly limits F-Cube's liability to you and may affect your legal rights.

No Warranties

The F-Cube platform is provided "AS IS" and "AS AVAILABLE" without any warranties of any kind, whether express, implied, or statutory, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the platform will be uninterrupted, error-free, secure, or free of viruses or other harmful components.

Exclusion of Damages

To the maximum extent permitted by applicable law, F-Cube, its officers, directors, employees, agents, and affiliates shall not be liable for any:

  • Direct, indirect, incidental, special, consequential, or punitive damages
  • Loss of profits, revenue, data, goodwill, or other intangible losses
  • Financial losses resulting from decisions made based on information in the platform
  • Disputes, claims, or damages arising between users over expenses, splits, or settlements
  • Unauthorized access to or alteration of your data
  • Interruption or cessation of the service
  • Any bugs, viruses, or harmful code transmitted through the service

These exclusions apply regardless of the theory of liability (contract, tort, negligence, strict liability, or otherwise) and even if F-Cube has been advised of the possibility of such damages.

Liability Cap

To the maximum extent permitted by law, F-Cube's total cumulative liability to you for any and all claims arising out of or relating to these Terms or the service shall not exceed the greater of (a) the total amount you paid to F-Cube in the twelve (12) months preceding the claim, or (b) USD $10. For free-tier users who have paid nothing, F-Cube's maximum liability is USD $0.

8. Indemnification

You agree to defend, indemnify, and hold harmless F-Cube and its officers, directors, employees, and agents from and against any and all claims, damages, obligations, losses, liabilities, costs, or debt, and expenses (including but not limited to attorney's fees) arising from: (a) your use of and access to the platform; (b) your violation of these Terms; (c) your violation of any third-party rights, including intellectual property rights or privacy rights; (d) any User Content you upload; or (e) any financial disputes between you and other users.

9. Dispute Resolution

Informal Resolution First

Before filing any formal dispute, you agree to first contact F-Cube at hello@f-cube.io and attempt to resolve the dispute informally. We will attempt to resolve the dispute within 30 days of receiving your notice.

Binding Arbitration

If informal resolution fails, any dispute, claim, or controversy arising out of or relating to these Terms or the use of F-Cube shall be resolved by binding arbitration rather than in court, except that you may assert claims in small claims court if your claims qualify.

You waive any right to a jury trial and to participate in a class action lawsuit or class-wide arbitration. All arbitration proceedings shall be conducted on an individual basis.

10. Intellectual Property

F-Cube's property:The F-Cube platform, including its code, design, branding, logos, trademarks, text, graphics, and all other content created by F-Cube, is owned by F-Cube and protected by applicable intellectual property laws. You may not copy, reproduce, distribute, or create derivative works from F-Cube's property without our express written consent.

Your data: You retain full ownership of all data and content you enter or upload into F-Cube. Our license to your data is limited strictly to operating the service as described in Section 5.

11. Termination

By you: You may terminate your account at any time through the Settings page or by contacting us at hello@f-cube.io. Upon termination, your data will be deleted in accordance with our data retention policy.

By F-Cube: We reserve the right to suspend or terminate your access to the platform at any time, with or without notice, for any reason, including if we believe you have violated these Terms, engaged in fraudulent or illegal activity, or if we discontinue the service.

Upon termination, all provisions of these Terms that by their nature should survive termination will survive, including ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

12. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which F-Cube operates, without regard to its conflict of law provisions. To the extent court proceedings are permitted under these Terms, you consent to the exclusive jurisdiction and venue of the courts located in F-Cube's operating jurisdiction.

13. Severability

If any provision of these Terms is found by a court of competent jurisdiction to be invalid, illegal, or unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, or if modification is not possible, it will be severed from these Terms. The remaining provisions of these Terms will continue in full force and effect.

14. Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and F-Cube with respect to the subject matter herein and supersede all prior and contemporaneous understandings, agreements, representations, and warranties, both written and oral, with respect to such subject matter. Our failure to exercise or enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

17. Contact Information

If you have any questions about these Terms of Service, please contact us:

Email: hello@f-cube.io

Website: f-cube.io