LEGAL
Terms Of Service
How Harmony Flow collects, uses, and protects your information.
Effective Date: April 14, 2026 · harmonyflow.me
1. Introduction and Acceptance of Terms
These Terms and Conditions (“Terms”) constitute a legally binding agreement between you (“User,” “you,” or “your”) and Lockhart Faith Enterprises LLC (“Company,” “we,” “us,” or “our”), the owner and operator of HarmonyFlow, a dual-function artificial intelligence mobile application accessible via HarmonyFlow.me and associated mobile applications (collectively, the “Platform”).
By registering for, accessing, downloading, or using the Platform in any manner, you acknowledge that you have read, understood, and agree to be bound by these Terms, our Privacy Policy, our Cookie Policy, our AI Disclaimer, and all other policies incorporated herein by reference. These documents collectively form the entire agreement between you and the Company regarding your use of the Platform.
If you are accessing the Platform on behalf of a business entity, you represent and warrant that you have the authority to bind such an entity to these Terms, and references to “you” shall include that entity.
2. Definitions
For the purposes of these Terms, the following definitions apply:
- “Platform” means the HarmonyFlow application, website, software, and all associated services, features, and content.
- “AI Agent” or “Agent” refers to either the Finance Agent or the Relationship Agent powered by artificial intelligence and operating through the OpenAI application programming interface.
- “Finance Agent” means the AI-powered conversational interface that provides information relating to personal finance, budgeting, investment topics, and related subject matter.
- “Relationship Agent” means the AI-powered conversational interface designed to provide guidance, information, and support relating to interpersonal relationships, communication, and personal development.
- “Content” means any text, data, information, feedback, suggestions, or other material that you input into or receive from the Platform.
- “AI-Generated Content” means any output, response, recommendation, or information produced by an AI Agent.
- “Subscription” means any paid or free-tier service plan under which you access the Platform.
- “User Data” means any personal information, conversation history, or other data submitted by you in connection with your use of the Platform.
3. Eligibility and Account Registration
3.1 Age Requirement. The Platform is intended exclusively for individuals who are eighteen (18) years of age or older. By using the Platform, you represent and warrant that you are at least eighteen (18) years of age. If we discover or have reason to believe that you are under the age of eighteen, we reserve the right to immediately suspend or terminate your account without notice and without liability.
3.2 Account Creation. To access the full functionality of the Platform, you must create an account by providing accurate, current, and complete information as required during registration. You agree to maintain and promptly update your account information to keep it accurate, current, and complete.
3.3 Account Security. You are solely responsible for maintaining the confidentiality of your account credentials, including your password. You agree to notify us immediately at any unauthorized access to your account. We shall not be liable for any loss or damage arising from your failure to safeguard your credentials. You may not transfer, assign, or share your account with any third party.
3.4 Account Accuracy. You represent that all information you provide during registration and throughout your use of the Platform is truthful and accurate. We reserve the right to suspend or terminate any account based on inaccurate or misleading registration information.
4. Description of Services
4.1 Platform Overview. HarmonyFlow provides access to two distinct AI-powered agent interfaces:
(a) a Finance Agent, which delivers conversational assistance regarding personal finance and related matters; and
(b) a Relationship Agent, which provides conversational guidance on interpersonal communication and personal development.
4.2 AI Technology. The Platform’s AI functionality is delivered through integration with the OpenAI API. Responses generated by either Agent are produced by large language model technology and are subject to the inherent limitations of such systems, including but not limited to inaccuracy, incompleteness, and potential for outdated information.
4.3 Informational Nature. All content provided by the Platform is strictly informational and conversational in nature. Nothing on the Platform constitutes regulated financial advice, investment advice, tax advice, legal advice, medical advice, psychological counseling, or therapeutic services. Please refer to the AI Disclaimer document for full limitations and disclaimers applicable to AI-Generated Content.
4.4 Service Evolution. The Company reserves the right to modify, suspend, discontinue, or enhance any feature of the Platform at any time, with or without notice. We shall not be liable to you or any third party for any modification, suspension, or discontinuation of services.
5. Subscription Plans and Payment Terms
5.1 Service Tiers. The Platform offers both free-tier and paid subscription access. Specific features, usage limits, and access levels vary by subscription tier and are subject to change at the Company’s discretion.
5.2 Paid Subscriptions. Paid subscriptions are billed on a recurring basis (monthly or annually, as selected by you) at the rates displayed at the time of purchase. By initiating a paid subscription, you authorize the Company or its authorized payment processor to charge your designated payment method on a recurring basis.
5.3 In-App Purchases. Certain additional features or content may be available for purchase within the Platform. All in-app purchases are final and non-refundable unless otherwise required by applicable law or expressly set forth in our Refund Policy.
5.4 Price Changes. We reserve the right to modify subscription pricing at any time. We will provide reasonable advance notice of any price changes applicable to your subscription. Your continued use of the Platform following such notice constitutes your acceptance of the revised pricing.
5.5 Taxes. All fees are exclusive of applicable taxes. You are responsible for all taxes, levies, or duties imposed by applicable taxing authorities in connection with your use of the Platform, excluding taxes on our net income.
5.6 Failed Payments. If a payment fails, we may suspend access to paid features until payment is successfully collected. We reserve the right to retry failed payments and may terminate your subscription after repeated unsuccessful attempts.
6. Message Limits and Usage Restrictions
6.1 Message Limit. To ensure equitable access to the Platform and maintain system integrity, your use of the AI Agents is subject to a limit of one hundred and sixty (160) messages per three (3) hour rolling window (the “Message Limit”). This limit applies collectively across both the Finance Agent and the Relationship Agent.
6.2 Limit Reset. The Message Limit resets automatically on a rolling basis. Once the limit is reached, further AI Agent queries will be temporarily unavailable until the applicable window resets.
6.3 No Circumvention. You agree not to attempt to circumvent the Message Limit through any technical means, account manipulation, use of multiple accounts, automated querying, scripting, or any other method designed to exceed the stated limit.
6.4 Modification of Limits. The Company reserves the right to modify message limits at any time, including as part of plan-specific offerings or in response to platform demand. Updated limits will be communicated through the Platform or in these Terms.
7. Acceptable Use Policy
7.1 Permitted Use. You may use the Platform solely for lawful personal purposes in accordance with these Terms and all applicable laws.
7.2 Prohibited Conduct. You agree that you will not, directly or indirectly:
- Use the Platform for any unlawful, harmful, abusive, harassing, threatening, defamatory, or fraudulent purpose.
- Attempt to gain unauthorized access to any part of the Platform, its servers, or any system connected to the Platform.
- Reverse engineer, decompile, disassemble, or attempt to derive the source code or underlying algorithms of the Platform.
- Use automated bots, scrapers, crawlers, or similar tools to access or extract data from the Platform.
- Reproduce, distribute, publicly display, modify, or create derivative works from any Platform content without express written authorization.
- Introduce or transmit any virus, malware, or other malicious code or software.
- Use the Platform in any manner that could overburden, impair, or disrupt the Platform’s infrastructure or the experience of other users.
- Attempt to solicit personal information from other users or engage in any form of data mining not expressly authorized.
- Misrepresent your identity or affiliation in connection with use of the Platform.
- Use the Platform to facilitate or encourage illegal activity of any kind.
7.3 Content Standards. Any content you submit to the Platform must not be unlawful, threatening, abusive, defamatory, discriminatory, or otherwise objectionable. We reserve the right to remove any content that violates these standards and to suspend or terminate accounts responsible for such content.
8. AI-Generated Content and Limitations
8.1 No Professional Advice. The outputs generated by the Finance Agent and the Relationship Agent are produced by artificial intelligence systems and are provided for informational and general guidance purposes only. Neither Agent is licensed, accredited, or qualified to provide regulated professional advice of any kind, including without limitation investment advice, financial planning advice, legal advice, tax advice, medical advice, psychological counseling, therapy, or crisis intervention services.
8.2 Finance Agent Limitations. Outputs from the Finance Agent, including any discussion of investment strategies, trading approaches, asset allocation, or market analysis, do not constitute investment advice, financial planning services, or recommendations regulated by the U.S. Securities and Exchange Commission, the Financial Industry Regulatory Authority, or any other regulatory authority. You must consult a licensed financial advisor before making any financial or investment decision.
8.3 Relationship Agent Limitations. Outputs from the Relationship Agent are not intended to constitute, and shall not be construed as, psychological counseling, psychotherapy, mental health treatment, or crisis intervention. If you are experiencing a mental health emergency, please contact a licensed mental health professional or call emergency services immediately.
9. Biometric, Health, Location, and Sensitive Data
9.1 Collection Basis. To the extent the Platform collects biometric data, health-related data, or location data for the purpose of assisting you with your AI Agent queries, such collection shall occur only with your express, informed consent and in accordance with applicable law.
9.2 Scope of Use. Any biometric, health, or location data collected by the Platform will be used exclusively for the purpose of delivering personalized AI Agent responses and improving your experience on the Platform. Such data will not be sold, licensed, or shared with third parties for commercial purposes, except as required for service delivery by authorized sub-processors or as required by law.
9.3 Biometric Data. If the Platform collects biometric identifiers or biometric information as defined under applicable statutes including the Illinois Biometric Information Privacy Act (BIPA) or equivalent legislation, such data will be processed in accordance with applicable biometric data privacy laws. You retain the right to request deletion of biometric data at any time.
9.4 Sensitive Data Consent. By enabling features that collect sensitive data, including location or health-related data, you expressly consent to such collection and processing for the purposes described herein. You may withdraw such consent at any time through your account settings, subject to any technical limitations.
10. User Content and Intellectual Property
10.1 Your Content. You retain ownership of any original content you submit to the Platform. By submitting content, you grant the Company a non-exclusive, royalty-free, worldwide license to use, reproduce, process, and transmit such content solely for the purpose of operating the Platform and providing services to you.
10.2 AI-Generated Output Ownership. AI-Generated Content produced by the Platform in response to your inputs may be subject to limitations on intellectual property protection under applicable law, as AI-generated outputs may not qualify for copyright protection in certain jurisdictions. The Company does not claim ownership of AI-Generated Content produced in response to your prompts. However, you acknowledge that similar or identical outputs may be produced for other users, and no exclusive rights are conferred on you in respect of AI-Generated Content.
10.3 Company Intellectual Property. All intellectual property rights in and to the Platform, including its design, code, branding, trademarks, trade names, service marks, and proprietary content, are owned exclusively by the Company or its licensors. Nothing in these Terms shall be construed as conferring any rights in Company intellectual property upon you by implication or otherwise.
10.4 Feedback. Any feedback, suggestions, or ideas you provide regarding the Platform may be used by the Company without restriction or compensation to you.
11. Push Notifications and Communications
11.1 Push Notifications. By creating an account and enabling notifications on your device, you consent to receive push notifications from the Platform. Push notifications may include service alerts, usage summaries, feature updates, and account-related information.
11.2 Consent and Withdrawal. Your consent to receive push notifications is voluntary. You may withdraw consent at any time through your device settings or within the Platform. Withdrawal of consent for marketing or non-essential notifications shall not affect your ability to use the Platform.
11.3 Electronic Communications. By using the Platform and providing your contact information, you consent to receive electronic communications from us, including emails and in-app messages, relating to your account and the Platform. These communications may include operational notices required for the performance of our agreement with you.
12. Data Privacy and Security
12.1 Privacy Policy. Our collection, use, storage, and sharing of your personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference and forms part of this agreement. By using the Platform, you acknowledge and agree to the terms of the Privacy Policy.
12.2 Data Security. We implement commercially reasonable technical and organizational security measures designed to protect your data against unauthorized access, alteration, disclosure, or destruction. However, no method of data transmission or storage is completely secure, and we cannot guarantee absolute security.
12.3 Conversation Data. You acknowledge that conversation data submitted to the AI Agents may be stored on our servers for the purpose of service delivery, platform improvement, and compliance with applicable legal obligations. For full details on data storage, retention, and your rights, please refer to the Privacy Policy.
13. Third-Party Services and Links
13.1 OpenAI Integration. The Platform integrates with the OpenAI API as a sub-processor for AI functionality. Your use of the Platform may result in certain data being processed by OpenAI in accordance with its applicable terms and policies.
13.2 Third-Party Links. The Platform may contain links or references to third-party websites, services, or resources. Such links are provided for convenience only and do not imply endorsement or affiliation. The Company has no control over third-party content and accepts no responsibility for any third-party services accessed through the Platform.
13.3 Third-Party Terms. Your interactions with third-party services, including payment processors, are governed by such third parties’ own terms of service and privacy policies. We encourage you to review those policies before providing your information.
14. Disclaimers of Warranties
14.1 As-Is Basis. THE PLATFORM IS PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE.
14.2 No Warranty of Accuracy. WE DO NOT WARRANT THAT THE PLATFORM OR ANY AI-GENERATED CONTENT WILL BE ACCURATE, COMPLETE, RELIABLE, CURRENT, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
14.3 No Warranty of Availability. WE DO NOT WARRANT THAT THE PLATFORM WILL BE UNINTERRUPTED, TIMELY, SECURE, OR AVAILABLE AT ANY PARTICULAR TIME OR LOCATION. DOWNTIME FOR MAINTENANCE, UPDATES, OR TECHNICAL ISSUES MAY OCCUR WITHOUT PRIOR NOTICE.
14.4 Financial and Relationship Outputs. WE MAKE NO REPRESENTATIONS OR WARRANTIES REGARDING THE ACCURACY, SUITABILITY, OR RELIABILITY OF ANY FINANCIAL INFORMATION, MARKET DATA, OR RELATIONSHIP GUIDANCE PROVIDED THROUGH THE AI AGENTS. RELIANCE ON ANY SUCH OUTPUTS IS ENTIRELY AT YOUR OWN RISK.
15. Limitation of Liability
15.1 Exclusion of Consequential Damages. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL THE COMPANY, ITS OFFICERS, DIRECTORS, EMPLOYEES, MEMBERS, AGENTS, PARTNERS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF PROFITS, LOSS OF DATA, LOSS OF GOODWILL, INVESTMENT LOSSES, RELATIONSHIP HARM, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF OR INABILITY TO USE THE PLATFORM OR ANY AI-GENERATED CONTENT.
15.2 Cap on Direct Liability. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, THE COMPANY’S TOTAL AGGREGATE LIABILITY TO YOU FOR ANY CLAIMS ARISING UNDER OR IN CONNECTION WITH THESE TERMS SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL AMOUNTS PAID BY YOU TO THE COMPANY IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED UNITED STATES DOLLARS (USD $100.00).
15.3 Essential Basis. YOU ACKNOWLEDGE THAT THE LIMITATIONS OF LIABILITY IN THIS SECTION REFLECT A REASONABLE AND FAIR ALLOCATION OF RISK AND ARE AN ESSENTIAL ELEMENT OF THE BASIS OF THE BARGAIN BETWEEN YOU AND THE COMPANY. WITHOUT THESE LIMITATIONS, THE COMPANY COULD NOT PROVIDE THE PLATFORM AT THE RATES OFFERED.
15.4 Jurisdictional Exceptions. Some jurisdictions do not permit the exclusion of certain warranties or the limitation of certain types of liability. In such jurisdictions, our liability is limited to the greatest extent permitted by applicable law.
16. Indemnification
You agree to defend, indemnify, and hold harmless the Company and its officers, directors, employees, members, agents, contractors, and licensors from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys’ fees) arising out of or in any way relating to:
- Your use or misuse of the Platform;
- Your violation of these Terms or any applicable law or regulation;
- Your violation of any rights of a third party, including intellectual property rights or privacy rights;
- Any content you submit, post, or transmit through the Platform;
- Your reliance on AI-Generated Content for any financial, investment, personal, or other decision.
The Company reserves the right, at its own expense, to assume exclusive defense and control of any matter otherwise subject to indemnification by you, in which event you agree to cooperate with the Company’s defense of such claim.
17. Dispute Resolution and Arbitration
17.1 Informal Resolution. Before initiating any formal legal proceeding, you agree to contact us at the email address set forth in Section 25 to attempt to resolve any dispute informally. We will use reasonable efforts to resolve the dispute within thirty (30) days of your initial notice.
17.2 Binding Arbitration. If informal resolution is unsuccessful, any dispute, controversy, or claim arising out of or relating to these Terms, the Platform, or any AI-Generated Content shall be resolved by binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, except as otherwise provided herein.
17.3 Class Action Waiver. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOU WAIVE ANY RIGHT TO PARTICIPATE IN CLASS ACTION LITIGATION, CLASS-WIDE ARBITRATION, OR ANY CONSOLIDATED OR REPRESENTATIVE PROCEEDING. ALL CLAIMS SHALL BE BROUGHT EXCLUSIVELY ON AN INDIVIDUAL BASIS.
17.4 Arbitration Location. Arbitration proceedings shall be conducted in Missouri, or, at your election if you are a consumer, in your county of residence, or by telephone or video conference where available.
17.5 Exceptions. Notwithstanding the foregoing, either party may seek emergency injunctive or equitable relief from a court of competent jurisdiction to prevent irreparable harm pending arbitration, without waiving the right to arbitrate.
17.6 EU Users. If you are located in the European Economic Area, these arbitration provisions may not apply to you to the extent prohibited by applicable EU law. You may have the right to bring claims before a court in your country of residence or before competent EU consumer dispute resolution bodies.
18. Governing Law and Jurisdiction
These Terms shall be governed by and construed in accordance with the laws of the State of Missouri, United States of America, without regard to its conflict of law principles. For any matters not subject to arbitration under Section 17, you irrevocably consent to the exclusive jurisdiction of the state and federal courts located in Missouri for resolution of any disputes arising under or in connection with these Terms.
Users located in the European Economic Area acknowledge that certain mandatory consumer protection provisions of their home jurisdiction may apply in addition to the governing law stated herein, to the extent required by applicable EU law.
19. Termination and Suspension
19.1 Termination by You. You may terminate your account and these Terms at any time by deleting your account through the Platform or by contacting us at the address provided in Section 25. Termination shall not entitle you to any refund of fees already paid, except as expressly provided in the Refund Policy.
19.2 Termination by the Company. The Company reserves the right to suspend, restrict, or terminate your access to the Platform at any time, with or without notice, if we determine in our sole discretion that you have violated these Terms, engaged in fraudulent or illegal conduct, or for any other legitimate operational reason.
19.3 Effect of Termination. Upon termination, your right to access and use the Platform ceases immediately. Provisions of these Terms that by their nature should survive termination, including Sections 10, 14, 15, 16, 17, 18, and 20, shall continue in full force and effect following any termination.
19.4 Data Following Termination. Upon account termination, we will handle your personal data in accordance with our Privacy Policy and applicable legal retention requirements.
20. Regulatory Compliance
20.1 EU AI Act. The Company acknowledges that the HarmonyFlow Platform, to the extent it delivers AI-powered assistance in the domains of personal finance and interpersonal relationships, may constitute or incorporate AI systems as defined under Regulation (EU) 2024/1689 (the EU AI Act) when delivering services in that region. The Company is committed to implementing such compliance measures as are required under applicable law for AI system providers operating in the European Union.
20.2 Financial Regulations. The Finance Agent does not hold any license, registration, or accreditation with the U.S. Securities and Exchange Commission, the Financial Industry Regulatory Authority, the Commodity Futures Trading Commission, or any equivalent regulatory body. Use of the Finance Agent does not create any regulated advisory relationship. Users seeking regulated financial advice must consult a duly licensed financial professional.
20.3 US Compliance. The Platform complies with applicable United States federal and state laws, including applicable consumer protection legislation. Users in California additionally benefit from rights under the California Consumer Privacy Act and the California Privacy Rights Act.
20.4 GDPR Compliance. The Platform’s data processing activities involving EU residents are conducted in compliance with the General Data Protection Regulation (EU) 2016/679. For details of your rights as a data subject, please refer to the Privacy Policy.
21. Modifications to These Terms
The Company reserves the right to update or modify these Terms at any time. When we make material changes, we will notify you by updating the effective date at the top of this document and, where appropriate, by sending you a notification through the Platform or by email to the address associated with your account. Your continued use of the Platform after such notification constitutes your acceptance of the revised Terms.
If you do not agree to any modified Terms, your sole remedy is to discontinue use of the Platform and terminate your account in accordance with Section 19. We encourage you to review these Terms periodically.
22. Force Majeure
The Company shall not be liable for any failure or delay in the performance of its obligations under these Terms to the extent such failure or delay is caused by circumstances beyond our reasonable control, including but not limited to acts of God, natural disasters, epidemics or pandemics, acts of government or regulatory authorities, internet or telecommunications failures, cyberattacks, labor disputes, or failure of third-party service providers including OpenAI. In such circumstances, the Company’s obligations shall be suspended for the duration of the force majeure event, and we will use commercially reasonable efforts to restore services as promptly as possible.
23. Severability and Waiver
23.1 Severability. If any provision of these Terms is found by a court or arbitrator of competent jurisdiction to be invalid, illegal, or unenforceable under applicable law, such provision shall be modified to the minimum extent necessary to make it enforceable, or if it cannot be so modified, it shall be severed from these Terms, and the remaining provisions shall continue in full force and effect.
23.2 Waiver. No failure or delay by the Company in exercising any right under these Terms shall constitute a waiver of that right. No waiver of any breach shall be deemed a waiver of any subsequent breach. All waivers must be in writing and signed by an authorized representative of the Company to be effective.
24. Entire Agreement
These Terms, together with the Privacy Policy, Cookie Policy, AI Disclaimer, Refund Policy, and Copyright and Intellectual Property Notice, each of which is incorporated herein by reference, constitute the entire agreement between you and the Company with respect to your use of the Platform. These Terms supersede all prior and contemporaneous representations, discussions, negotiations, agreements, and understandings, whether written or oral, relating to the Platform.
In the event of any conflict between these Terms and any other document forming part of this agreement, these Terms shall prevail unless the other document expressly states otherwise.
25. Contact Information and Notices
All notices, requests, and communications under these Terms shall be directed to:
Lockhart Faith Enterprises LLC
Imperial, Missouri 63052
United States of America
Website: www.HarmonyFlow.me
For legal notices, please send all correspondence in writing to the above address or via the contact mechanism available at www.HarmonyFlow.me. Notices sent by email will be deemed received when sent to the designated contact address. We will respond to valid legal notices within a reasonable timeframe.
If you have questions about these Terms, our services, or your rights as a user, please contact us before commencing any legal proceeding, as we are committed to resolving concerns in good faith.
Last reviewed: April 14, 2026.