Fyldit Terms of Service

1. About these Terms

1.1 Who we are

Fyldit is provided by Funerals& Tech Limited, a company registered in the Dubai International Financial Centre (DIFC) under licence number CL11807 (“we”, “us”, “our”). Registered office: Unit IH-00-01-03-OF-05, Level 3, IH-00-01-CP-05, Dubai International Financial Centre, Dubai, United Arab Emirates. Support and privacy enquiries: support@fyldit.com. Data Protection Officer contact: dpo@funeralsand.com.

1.2 What these Terms cover

These Terms govern your access to and use of Fyldit, including the Fyldit application, the marketing website at fyldit.com, and any related pages, subdomains, or services we make available (together, the “Service”).

1.3 Acceptance

You must accept these Terms before creating an account or using the Service. We present these Terms during sign-up and you accept them by selecting the required tick-box, clicking an “I agree” button, or using equivalent acceptance mechanics.

1.4 Other documents

The Fyldit application is designed to operate without cookies in its own operation. Certain website features, integrations, analytics, or advertising measurement tools may use cookies or similar technologies on fyldit.com where enabled and where permitted under applicable law, as described in the Privacy Policy. The Privacy Policy also explains your privacy rights, our legal bases for processing, our approach to retention, subprocessors, and breach notification where applicable.

1.5 Changes

We may update these Terms from time to time to reflect changes in law, regulation, technology, our service providers, our product features, or our operations. If we make a material change, we will provide notice by email, in-app notice, on the website, or by another reasonable method before the updated Terms take effect where appropriate. Continued use after the effective date of the updated Terms means you accept the updated Terms, subject to mandatory law.

1.6 Data hosting and regions

Fyldit is operated from the DIFC. Production hosting for the Fyldit service uses infrastructure hosted in Sweden, including account database and encrypted file storage in Stockholm. The website and application delivery layer may use AWS-managed global delivery services. Non-production environments may operate in other regions, including Europe and India, and are intended to use anonymised, masked, or synthetic data rather than live identifiable personal data wherever appropriate. Further details on hosting and international transfers are set out in the Privacy Policy.

2. Eligibility and Account Registration

2.1 Age

You must be at least 18 years old to create an account and use Fyldit.

2.2 Account information

You must provide accurate, current, and complete information and keep it up to date. You are responsible for activity carried out through your account unless mandatory law provides otherwise.

2.3 Security

You must keep your login credentials, passphrase, recovery shares, and devices secure. If you believe your account has been compromised, contact support@fyldit.com promptly. We strongly recommend enabling multi-factor authentication (MFA) where available.

2.4 Storing documents for others

Fyldit allows you to store documents and information relating to other people, for example family members. You are responsible for ensuring that you have the right to upload, store, and share that information and for complying with applicable privacy and other laws. Account holders may upload and manage children’s or dependants’ record’s as long as they have the lawful authority to do so

3. Definitions

In these Terms:

“Content” means the files, documents, images, text, records, notes, labels, and other materials you upload, store, create, or share using Fyldit.

“Personal Data” has the meaning given in the Privacy Policy and generally means information relating to an identified or identifiable individual.

“Recipient” means a person you invite to access shared Content, including through the Fyldit Lite recipient experience or any similar recipient access flow.

“Passphrase” means the secret you choose to encrypt and access your vault.

“Recovery Shares” means the recovery fragments generated for account recovery, including by means such as Shamir’s Secret Sharing.

“Subscription” means a paid plan for Fyldit and any renewal of that plan.

“Service” means the Fyldit application, website, and related services made available by us.

“You” means the individual who creates an account, accesses the Service, or uses the Service.

4. The Service and Licence

4.1 Licence

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, revocable licence to use the Service for your personal use.

4.2 Availability

The Service is provided on an “as available” basis. We may suspend, restrict, or modify access to perform maintenance, upgrades, or security or operational work, or where needed to protect users, the Service, or third parties.

4.3 Devices and connectivity

You are responsible for the devices, software, and internet connection needed to use the Service.

4.4 Originals and independent backups

Fyldit is not a substitute for keeping original documents or independent backups. You remain responsible for retaining original copies of important documents and your own backup copies of Content outside Fyldit.

4.5 Security architecture

Fyldit uses technical and organisational controls designed to protect the Service, including encryption in transit, access controls, logging, and related safeguards described in the Privacy Policy. Nothing in these Terms should be read as a guarantee that any online service is immune from all security incidents.

5. Zero-Knowledge Design and Content Access

5.1 Zero-knowledge design

Fyldit is designed with zero-knowledge encryption enabled by default. While zero-knowledge is enabled, your Content is encrypted client-side before storage on our servers and we cannot access decrypted document content.

5.2 What we can and cannot see

We may process and store certain non-content information needed to operate the Service, for example account details, billing status, document metadata, folder organisation, file sizes, timestamps, technical logs, and sharing activity. While zero-knowledge is enabled, we cannot access decrypted document content, your master key, or plaintext encryption keys.

5.3 Features that require zero-knowledge to be off

You may choose to turn off zero-knowledge in settings. If you do, some server-side processes may access decrypted content or server-managed keys to deliver features you enable. Where a feature requires zero-knowledge to be turned off, we will seek to make that clear within the product experience and in the Privacy Policy before you enable the feature.

5.4 Irrecoverable loss risk

Because we do not hold your decryption keys while zero-knowledge is enabled, we cannot restore access to Content if you lose your Passphrase and do not have sufficient valid Recovery Shares. This is an inherent feature of a zero-knowledge service.

5.5 Your responsibilities

You must keep your Passphrase confidential, store Recovery Shares securely, distribute them safely where relevant, and follow any in-product guidance for regenerating or rotating Recovery Shares. You accept the risk of permanent loss of access if you do not maintain your recovery options.

5.6 Support limitations

We can assist with account administration, billing support, and general troubleshooting, but we cannot bypass encryption, recover Passphrases, or decrypt Content for you.

5.7 Loss caused by user-side security failures

To the maximum extent permitted by law, we are not responsible for loss arising from your failure to keep your Passphrase, Recovery Shares, login credentials, or device access secure, except to the extent caused by our breach of these Terms, unlawful conduct, or mandatory law.

6. Sharing and Recipient Access

6.1 Sharing scope

Fyldit allows you to share Content at different scopes, including, as available in the product, an entire vault, a profile, a pack, a folder, or individual documents. Sharing is available only through Fyldit recipient access features, including the Lite recipient experience where offered.

6.2 Roles and permissions

Sharing is governed by the permissions and roles you assign in the Service. Available roles may include viewer, contributor, manager, and owner, and available permissions may change as the product evolves.

6.3 Your responsibility for sharing

You are responsible for deciding what to share, with whom, and on what permissions. You must ensure that you have the right to share any personal data or documents relating to third parties.

6.4 Downloads and exported copies

Recipients may download shared Content only where the applicable permissions or product controls permit it. If a recipient downloads or otherwise exports Content, you acknowledge that we cannot control copies once outside the Service.

6.5 Revocation

You may revoke recipient access at any time through the Service. Revocation takes effect within the Service promptly in the ordinary course, but it does not affect copies already downloaded, exported, or stored outside the Service.

6.6 Recipients and their own uploaded content

If a recipient uploads their own Content into a recipient vault or recipient space, the recipient is responsible for that Content. When you share Content with a recipient, you remain responsible for the decision to share Content you control.

6.7 Lite recipient experience and trial

A recipient may receive a limited recipient vault and/or access experience. Where offered, a recipient may receive a time-limited period of fuller access, for example three months. After that period, if the recipient does not upgrade to a paid plan, the recipient’s own uploaded documents may become inaccessible or greyed out, and we may delete recipient-uploaded documents after a further 30-day grace period. Passport and Driving Licence documents, and Content shared with the recipient by the account holder, may remain accessible under the Lite experience as described in the Service and the Privacy Policy.

6.8 Recipient responsibilities

Recipients must comply with these Terms, use shared Content only for authorised purposes, maintain the security of their account, and export their own Content before expiry or deletion deadlines where relevant.

7. Plans, Subscriptions, Billing, and Trials

7.1 Plans

At launch, Fyldit offers the following plans, with feature and limit details also shown in-product and subject to change over time: Lyte (free): 100 MB storage and up to 10 items; Personal+ (paid): 10 GB storage and unlimited items.

7.2 Trial

We offer a three-month free trial for the Personal+ plan. Trial eligibility and any requirements, including whether a payment method is needed to start the trial, are shown during sign-up or checkout.

7.3 Auto-renewal

Paid subscriptions renew automatically for the same term, whether monthly or annual, unless you cancel before the renewal date.

7.4 Payment processing

Payments are processed through Stripe at launch. In future, subscriptions may also be sold through mobile application stores such as Google Play or Apple. If you purchase through an application store, the store’s payment terms apply and refunds, if any, are handled by the store, subject to mandatory law.

7.5 Price changes

We may change prices from time to time. We will give at least 21 days’ notice before a price change takes effect, subject to mandatory law.

7.6 Cancellation

You may cancel in-app or by emailing support@fyldit.com. Cancellation takes effect at the end of your current billing period and you retain paid features until then unless we state otherwise in the Service or applicable law requires otherwise.

7.7 Failed payments

If a payment fails, we may retry payment and suspend or restrict paid features until payment is completed. We may terminate for non-payment after providing reasonable notice, subject to mandatory law and any grace periods described in these Terms or the Privacy Policy.

8. Refunds

8.1 Refund policy

Fees are non-refundable once a trial has begun or once a subscription has been purchased. Cancellations are effective at the end of the current billing period. We do not provide refunds or credits for partial billing periods except where required by applicable law.

8.2 Statutory rights

Nothing in these Terms affects any rights you may have under mandatory consumer protection laws, including any non-excludable cancellation or refund rights.

9. Acceptable Use

9.1 Prohibited conduct

You must not misuse the Service. This includes using the Service for illegal activities; storing, transmitting, or distributing illegal content; uploading malware or harmful code; attempting unauthorised access; interfering with or disrupting the Service; infringing intellectual property rights; harassing or abusing others; impersonating another person; using the Service for spam or unsolicited communications; or reverse engineering the Service except where permitted by law.

9.2 Reporting

If you believe there has been misuse of the Service, contact support@fyldit.com with relevant details.

9.3 Enforcement

We may take action for violations, including warnings, suspension, restriction, content removal, or termination. We will act reasonably and in accordance with applicable law.

9.4 Notice and appeals

Where feasible, we will provide notice before removing Content or restricting access, except where doing so would create an immediate legal risk, security threat, or would be prohibited by law. You may request a review by contacting support@fyldit.com. Any appeal process is at our discretion unless mandatory law requires otherwise.

10. Content and Intellectual Property

10.1 Your Content

You retain ownership of your Content. You grant us the rights necessary to host, store, transmit, display, and otherwise process your Content solely to provide, operate, secure, support, and improve the reliability of the Service, consistent with these Terms and the Privacy Policy.

10.2 Our materials

We and our licensors own the Service, software, branding, and all related intellectual property rights. You may not copy, modify, distribute, sell, lease, license, or create derivative works from our materials except as permitted by law or with our written consent.

10.3 Feedback

If you provide feedback, suggestions, or ideas about the Service, you grant us a non-exclusive, worldwide, royalty-free right to use them without restriction or compensation.

11. Third-Party Services and Links

11.1 Third-party services

The Service may rely on third-party services, including payment processing, hosting, communications, identity, or other providers. Third-party services are governed by their own terms and privacy policies where applicable.

11.2 Links and external sites

The Service may contain links to third-party sites or services that we do not control. We are not responsible for the content, availability, privacy practices, or security of third-party sites or services.

11.3 Integrations

Where the Service allows you to connect or use a third-party integration, you authorise Fyldit to access data according to the permissions you grant. You may be able to revoke access through account settings where available.

12. Suspension, Termination, and Account Closure

12.1 By you

You may stop using the Service at any time. You may delete your account using in-app controls where available or by contacting support@fyldit.com. Where available, you can export your data using the self-service export feature. We recommend exporting before deletion, plan expiry, or any applicable deletion deadline.

12.2 By us

We may suspend or terminate access if you breach these Terms, engage in fraud or abuse, fail to pay fees when due, initiate an unjustified chargeback, or if suspension or termination is required for legal, security, or operational reasons. We will act reasonably and in accordance with applicable law.

12.3 Notice and closure

For non-payment, we may provide up to 30 days for you to restore access by updating payment details before permanent deletion, where operationally available and lawful. If we decide to discontinue the Service generally, we will seek to give as much notice as reasonably practicable and act in accordance with applicable law, including in relation to refunds where required.

12.4 Effect of termination

If your account is terminated, access to paid features ends. For voluntary deletion, we may provide a 14-day recoverable state before final deletion where operationally available, to help protect against accidental deletion. For serious Terms violations, suspension or termination may be immediate.

13. Data Retention and Deletion

13.1 Privacy Policy controls

We handle Personal Data as described in the Privacy Policy. The Privacy Policy contains the fuller explanation of retention periods and deletion logic.

13.2 Active accounts

We retain Personal Data associated with an active account for as long as the account remains active and for a reasonable period thereafter where needed for legitimate business, legal, security, and audit purposes.

13.3 Non-payment

Where an account is affected by non-payment, we may provide a 30-day grace period to restore access, subject to the terms of the relevant plan and our operational policies.

13.4 Voluntary deletion

If you request deletion of your account, we may place the account into a 14-day recoverable state before final deletion, to protect against accidental deletion and permit secure recovery where operationally available.

13.5 Recipient retention

Recipient-uploaded documents in a Lite experience may be deleted after the applicable trial expiry and 30-day grace period described in Section 6 and the Privacy Policy.

13.6 Legal holds and backups

We may retain limited information where required by law or where necessary to establish, exercise, or defend legal claims. Encrypted backups and residual system copies may persist for a limited period as part of normal backup rotation and log retention, as described in the Privacy Policy.

14. Disclaimers

14.1 No warranties

To the maximum extent permitted by applicable law, the Service is provided “as is” and “as available”. Some jurisdictions do not allow the exclusion of certain implied warranties or guarantees, so this clause applies only to the extent permitted by law.

14.2 Sensitive outcomes

You should not rely solely on the Service for time-critical, legal-critical, financial-critical, medical, or life-critical decisions. You remain responsible for reviewing information, maintaining originals, and confirming requirements with relevant authorities, advisers, or providers.

15. Limitation of Liability

15.1 Non-excludable liability

Nothing in these Terms limits or excludes liability where it would be unlawful to do so, including liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded under applicable law.

15.2 Indirect losses

To the maximum extent permitted by law, we are not liable for indirect, incidental, special, consequential, or punitive damages, or for loss of profits, revenue, goodwill, data, business interruption, or opportunities.

15.3 Liability cap

To the maximum extent permitted by law, our total liability arising out of or relating to the Service is limited to the fees you paid to us for the Service in the 12 months before the event giving rise to the claim.

15.4 Zero-knowledge limitation

You acknowledge that the zero-knowledge design means we cannot access or restore decrypted Content while zero-knowledge is enabled. We are not liable for losses arising from unrecoverable encryption keys, lost Passphrases, or insufficient Recovery Shares, except to the extent caused by our breach of these Terms, unlawful conduct, or mandatory law.

16. Indemnity

16.1 Indemnity

To the extent permitted by law, you agree to indemnify us against losses, claims, and liabilities arising from your misuse of the Service, your breach of these Terms, or your violation of any law or third-party rights.

17. Sanctions and Export Controls

17.1 Compliance

You must comply with applicable sanctions and export control laws. You must not use the Service if you are located in a jurisdiction subject to comprehensive sanctions that prohibit use, or if you are a restricted party under applicable sanctions lists, where prohibited by law.

18. Force Majeure

18.1 Events beyond reasonable control

We are not responsible for delays or failures to perform caused by events beyond our reasonable control, including natural disasters, war, terrorism, civil unrest, pandemics, government actions, labour disputes, and failures of telecommunications or internet services.

19. Dispute Resolution and Governing Law

19.1 Informal resolution

If you have a dispute, contact support@fyldit.com first. We will try to resolve disputes informally. You agree to provide us with at least 30 days to attempt informal resolution before initiating formal proceedings, unless urgent injunctive relief is needed.

19.2 Mediation

If informal resolution does not resolve the dispute, either party may propose mediation before filing in court, without prejudice to either party’s rights.

19.3 Governing law and courts

These Terms are governed by the laws of the Dubai International Financial Centre (DIFC). The DIFC Courts have exclusive jurisdiction, subject to any mandatory consumer protection rights that apply to you in your place of residence.

20. Beta Features

20.1 Beta features

From time to time, we may offer beta features or early access to new functionality. Beta features are provided for testing and feedback purposes, may contain bugs or incomplete functionality, may be modified or discontinued without notice, and are provided “as is” subject to applicable law.

21. General

21.1 Assignment

You may not assign these Terms without our consent. We may assign these Terms as part of a reorganisation, merger, acquisition, financing, or sale of assets.

21.2 Severability

If any provision is found to be unenforceable, the remaining provisions remain in effect.

21.3 No waiver

A failure to enforce any provision is not a waiver of that provision or any other provision.

21.4 Entire agreement

These Terms and the Privacy Policy form the entire agreement between you and us relating to the Service.

21.5 Language

These Terms are provided in English. If we provide translations, the English version prevails in the event of conflict.

22. Contact Us

22.1 Support and privacy contact

For questions, support requests, legal notices, or privacy-related enquiries relating to these Terms, contact support@fyldit.com.

22.2 Data Protection Officer

For data protection matters, you may also contact our Data Protection Officer at dpo@funeralsand.com.