Terms of service

01Who we are

HeyBMO is run by an individual based in Morocco. You can reach us at support@heybmo.com. Our privacy policy explains how we handle your data.

02What HeyBMO is, and is not

• HeyBMO is a personal organiser made of features you switch on, such as notes, lists, reminders, expenses and debts.
• It is a record-keeping tool. It is not a bank, lender, debt collector, or financial, legal, tax or medical adviser. It never lends, collects, holds or moves money.
• Totals, budgets, debt balances and currency conversions are based on what you enter. They may contain mistakes, and exchange rates are indicative only.

03Your account

• You must be at least 16 to use HeyBMO, and 18 (or have a parent's agreement) to buy a paid plan.
• Give accurate details and keep your sign-in secure. You are responsible for what happens through your account.
• Tell us straight away at security@heybmo.com if you think someone else has used it.

04Features

You choose which features to switch on. Some are free; some may have a paid plan, and HeyBMO, and any AI app you connect, asks before switching on a feature that costs money. A feature labelled as a beta may change more often and may have rough edges.

05Your content

• You own what you store in HeyBMO.
• You give us a limited permission to store, copy, process (including reading the text in your pictures and files), back up and show your content, only to run HeyBMO for you and to share it with the apps you connect.
• We do not sell your content, use it for advertising, or use it to train AI models.
• You must have the right to store what you upload.

06People you mention

If you store information about other people, for example who owes you money, you are responsible for having a fair reason to keep it and for treating those people fairly.

07AI apps, the command line and automations

When you connect an AI app, a command line session or an automation, anything it does with your access counts as done by you. Choose carefully what you allow, and check what it does. We are not responsible for an AI provider's mistakes, its answers or how it handles your data; its own terms apply. Deleting data for good or switching a feature off always needs your approval in HeyBMO, and you can disconnect any app at any time.

08Reminders and notifications

Reminders and notifications are delivered on a best-effort basis. They depend on email providers, browsers, devices and their settings, which we do not control. Do not rely on HeyBMO for medical, safety, legal or other critical deadlines.

09Acceptable use

Do not use HeyBMO to:

• store or share anything illegal, or content you have no right to;
• harass, threaten, stalk or build files on people, or pursue anyone unlawfully over a debt;
• upload malware, probe or overload the service, or get around its limits;
• copy, scrape or reverse engineer HeyBMO beyond what the law allows;
• resell or share access to your account.

10Paid plans

• Prices are shown before you buy and include tax where it applies.
• Payments are processed by Creem (Armitage Labs OÜ), which acts as merchant of record: Creem sells the plan to you, takes payment, handles tax and sends invoices. Creem's buyer terms also apply to your purchase, and win if they conflict with ours on payments.
• Plans renew automatically at the end of each billing period until you cancel. The price, the billing period and when you will be reminded before a renewal are shown before you buy.
• If a price changes, we will tell you at least 30 days before, and you can cancel before the new price applies.

11Cancelling and refunds

• You can cancel a paid plan at any time in Settings. You keep access until the end of the period you paid for.
• If you are not happy with your first purchase of a plan, ask for a full refund within 14 days.
• Write to support@heybmo.com for any refund question. We answer within 3 business days, and refunds are paid through Creem.
• You also keep any refund rights the law gives you, for example if something you paid for does not work as described.
• If you think a charge is wrong, please contact us first before disputing it with your bank.

12Changes to HeyBMO

We may add, change or retire features for good reasons, such as security, the law, low use or the cost of a service we rely on. If a change makes a paid feature you use noticeably worse, we will tell you at least 30 days before, give you time to export your data, and let you cancel with a refund for the unused part.

13Availability and backups

We work to keep HeyBMO running and your data safe, and we keep backups. We cannot promise the service will never be interrupted, for example during maintenance. Export what matters to you from time to time.

14Exporting and deleting your data

You can export your data at any time, and delete your account from Settings. Deletion follows the timings in our privacy policy.

15Suspending or closing accounts

You can leave at any time. We may suspend or close an account for a serious or repeated breach of these terms, a legal requirement, a security risk or non-payment. Unless it would be unsafe or unlawful, we will tell you why first and give you time to export your data. If we close an account that did nothing wrong, we refund the unused part of any paid period.

16Our software and brand

HeyBMO's software, name, design and mascot belong to us. We give you a personal, non-transferable right to use the apps while you have an account.

17Our responsibility to you

• We provide HeyBMO with reasonable care and skill, and are responsible for loss we cause that was foreseeable when you started using it.
• We are not responsible for loss that was not foreseeable, for business loss, for what your AI app or other outside services do, or for events outside our reasonable control.
• Apart from the cases below, our total responsibility to you is limited to the greater of what you paid us in the last 12 months or 100 US dollars.
• Nothing in these terms limits our responsibility for death or personal injury caused by our negligence, for fraud, or for anything else the law does not allow us to limit, including your rights as a consumer.

18App stores

If you use the Windows app from the Microsoft Store, these terms apply between you and us, not Microsoft. The store's own terms apply to downloading and updating the app.

19Changes to these terms

We will tell you by email and in the app at least 30 days before a significant change. If you do not agree, you can close your account before it applies, with a refund for the unused part of any paid period. Smaller or legally required changes may apply sooner.

20Complaints and the law

Please write to support@heybmo.com first; most problems are solved quickly. These terms are governed by Moroccan law, and disputes go to the courts of Morocco. If you use HeyBMO as a consumer in another country, you keep the protections of your local law and may use your local courts.

21General

These terms, the privacy policy and, for payments, Creem's buyer terms are the whole agreement between us. You may not transfer your account. If part of these terms cannot be enforced, the rest still applies. Not enforcing a term straight away does not mean we give it up.