Public Offer Agreement

This document is a public offer by Jourloy LLC to conclude an agreement for use of the SUM01 service on the terms below.

Acceptance occurs by confirming 18+, clicking registration/payment actions, actual use of the Service, or making payment.

The Terms of Service and Privacy Policy are integral parts of this agreement.

• Account means a user profile with username and password.
• Plan/Paid features means paid Service functionality.
• Transaction means a record of income, expense, transfer, or payment.
• Personalized advertising means ads tuned using Service usage data.
• Financial data means data on accounts, transactions, categories, budgets, goals, subscriptions, and debts.
• ERIR/ORD/ERID are internet-ad registry and labeling entities/identifiers required by law.

The Operator grants access to personal finance functionality and related services. Paid features are provided upon timely payment.

The Service is intended for users aged 18+. Using the Service confirms that requirement.

A user account is created with username and password. After registration and for continued use of the Service, the user must link and verify a unique account email with a confirmation code; that address is stored encrypted at rest, is used for continued access, password recovery, and service notices, and does not become a login unless email sign-in is introduced separately. The user remains responsible for keeping credentials secure.

1. Standard and Assistant plans are available with monthly and yearly billing. After sign up, the user receives 7 days of Standard trial with no card required, but must verify a unique account email to continue using the Service.
2. Paid plans auto-renew until canceled; cancellation takes effect from the next billing period.
3. Upgrade and downgrade rules are applied according to interface options.
4. Payments are processed by a payment provider under its terms and applicable law.
5. First payment includes consent to tokenized payment method storage for recurring charges.
6. After successful payment, users return to the Service; failed payments return to the pricing page.
7. Before payment, a billing email is requested for receipt issuance and passed to the payment provider. Separately, users must link and verify a unique account email with a confirmation code; that address is stored encrypted at rest and does not become a login without a separate email sign-in feature.
8. Paid plans do not disable personalized advertising.

• The Service may display advertising, including personalized ads.
• Ad personalization uses technical identifiers and usage events.
• Partner offers are provided by partners under their own terms; the Operator is not a party to such transactions.
• Advertising materials are labeled and reported to required registries under law.

Personal data is processed under the Privacy Policy, including analytics and mandatory advertising mechanisms.

Illegal actions, malicious activity, and attempts to bypass security controls are prohibited. Users grant a license to process submitted data for service operation.

1. The Service is provided “as is” and “as available”.
2. The Service is not financial advice and does not replace professional recommendations.
3. The Operator’s aggregate liability is limited to amounts paid by the user in the prior 12 months or 1,990 ₽, whichever is greater.

1. The agreement is effective from acceptance until termination.
2. The Operator may update the offer, terms, and policy; updated versions apply upon publication.
3. Users may delete accounts at any time; the Operator may restrict access for violations or legal requirements.
4. Withdrawal of consent for mandatory processing makes Service provision impossible and leads to agreement termination.

Claims should be sent to support@jourloy.com. Response period is up to 30 calendar days. Russian law applies.

Technical logs and event records are treated as valid evidence of user actions in the Service.

Operator: Jourloy LLC. Address: 14 Lunnaya St, Yuzhny, Krasnodar region, 353217. Email: support@jourloy.com. Tax ID: 2373027111.