Terms of Service

Effective Date: 17th February 2025

1. Introduction and Acceptance

These Terms of Service ("Terms") govern your access to and use of the Ayubo mobile application (the "App") and its related services (collectively, the "Services"), provided by FIIC Ventures LLC, a Wyoming limited liability company ("Company," "we," "us," or "our"). By accessing or using the App or Services, you ("you" or "User") agree to be bound by these Terms. If you do not agree to all of these Terms, you are not authorized to use the App or Services. These Terms constitute a legally binding agreement between you and the Company. These terms are applicable to all users including those residing in Sri Lanka.

2. Eligibility

You must be at least 18 years of age and have the legal capacity to enter into a binding agreement to Use the App and Services. By Using the App, you represent and warrant that you meet these eligibility requirements.

3. Description of Services (MVP Stage)

At the Minimum Viable Product (MVP) stage, Ayubo provides the following Services:

  • Report Uploading: You can upload your medical reports (e.g., lab results, diagnostic reports, imaging reports) to the App.
  • AI-Powered Analysis: Our artificial intelligence (AI) algorithms analyze your uploaded reports to generate insights.
  • Medical Professional Review: A qualified medical professional reviews the AI-generated analysis for quality assurance purposes only. This review does not constitute medical advice, diagnosis, or treatment.
  • Report Tracking: You can track your uploaded reports and view historical data within the App.

4. Important Disclaimers – No Medical Advice

  • Informational Purposes Only: The insights and information provided by Ayubo, including those generated by AI and reviewed by a medical professional, are for informational purposes only. They are not intended to be, and should not be considered, medical advice, diagnosis, or treatment.
  • No Doctor-Patient Relationship: Your Use of Ayubo does not create a doctor-patient relationship between you and the Company, or between you and any medical professional associated with the Company. The medical professional's review is solely for internal quality control of the AI's analysis.
  • Consult Your Healthcare Provider: You should always consult with your own qualified healthcare provider (e.g., your doctor, physician, specialist) for any health concerns, medical advice, diagnosis, or treatment. Do not disregard professional medical advice or delay in seeking it because of something you have read or learned through Ayubo.
  • No Responsibility for User Actions: The Company is not responsible for any actions you take or decisions you make based on the information provided by Ayubo. You are solely responsible for your own healthcare decisions and for seeking appropriate professional medical care.
  • AI and Review Limitations: The AI-powered insights and the medical professional's review are based on the data you provide and available algorithms. They may not be complete, accurate, or applicable to your individual circumstances. They are tools to assist you in understanding your Personal Information, but they are not a substitute for a comprehensive medical evaluation by your own healthcare provider.

5. User Responsibilities and Conduct

  • Accurate Information: You are responsible for ensuring that all Personal Information you upload to Ayubo, including your medical reports, is accurate, complete, and up-to-date. You represent and warrant that you have the right and authority to upload such Personal Information.
  • Intellectual Property: You are responsible that the reports you upload do not infringe any third party intellectual property rights.
  • Lawful Use: You agree to Use Ayubo only for lawful purposes and in accordance with these Terms. You will not Use the App for any illegal, harmful, or unauthorized purpose.
  • Prohibited Conduct: You agree not to:
    • Upload any content that is false, misleading, defamatory, obscene, offensive, threatening, harassing, or discriminatory.
    • Attempt to gain unauthorized access to the App, our servers, or any other User's account.
    • Interfere with or disrupt the operation of the App or Services.
    • Use any automated means (e.g., robots, spiders) to access or collect data from the App.
    • Reverse engineer, decompile, or disassemble any part of the App.
    • Transmit any viruses, worms, or other malicious code.
    • Upload Personal Information you do not have rights to.
    • Violate any applicable laws or regulations.
    • Use the platform to try to get insights that are not related to you or try to impersonate anyone else.
  • Account Security: If account creation is required, you are responsible for maintaining the confidentiality of your account credentials (username and password) and for all activities that occur under your account. You agree to notify us immediately of any unauthorized use of your account or any other breach of security.

6. Intellectual Property Rights

  • Company Ownership: The Company owns all rights, titles, and interests in and to the App and Services, including the AI algorithms, software, design, trademarks, and all other intellectual property rights, excluding Personal Information (defined below).
  • Personal Information: You retain ownership of the medical reports and data you upload to the App ("Personal Information"). By uploading Personal Information, you grant the Company a non-exclusive, worldwide, royalty-free, sublicensable, and transferable license to use, reproduce, modify, adapt, distribute, and display your Personal Information solely for the purpose of providing the Services (analyzing your reports, providing insights, and performing quality assurance reviews).
  • Feedback: If you provide us with any feedback, suggestions, or ideas about the App or Services ("Feedback"), you grant us a non-exclusive, perpetual, irrevocable, royalty-free, worldwide license to use, reproduce, modify, adapt, distribute, and display your Feedback for any purpose, without any obligation to compensate you.

7. Limitation of Liability

  • No Warranties: The App and Services are provided "as is" and "as available" without warranties of any kind, either express or implied. The Company disclaims all warranties, including, but not limited to, implied warranties of merchantability, fitness for a particular purpose, non-infringement, accuracy, completeness, and reliability. We do not warrant that the App will be uninterrupted, error-free, secure, or free of viruses or other harmful components.
  • Exclusion of Damages: To the maximum extent permitted by Wyoming law, the Company shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of profits, data, use, goodwill, or other intangible losses, arising out of or in connection with your Use of, or inability to Use, the App or Services, even if the Company has been advised of the possibility of such damages.
  • Maximum Liability: In no event shall the Company's total liability to you for all claims arising out of or relating to these Terms or your Use of the App or Services exceed the amount you have paid to the Company, if any, for access to the Services in the twelve (12) months preceding the claim. If you have not paid anything, then the company has no liability.
  • HIPAA Disclaimer: While we take data security seriously, Ayubo is not intended to be a "covered entity" or "business associate" as defined under the Health Insurance Portability and Accountability Act of 1996 (HIPAA). We do not guarantee compliance with HIPAA. If you are a healthcare provider or other entity subject to HIPAA, you should not Use Ayubo to transmit or store Protected Health Information (PHI) in a manner that would violate HIPAA.

8. Indemnification

You agree to indemnify, defend, and hold harmless the Company, its officers, directors, employees, agents, licensors, and suppliers, from and against any and all claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or relating to your Use of the App or Services, your violation of these Terms, your violation of any rights of another party, or your Personal Information.

9. Termination

  • Termination by the Company: We may suspend or terminate your access to the App and Services, with or without cause, at any time and without notice. We may also terminate or suspend your account if you violate these Terms.
  • Termination by You: You may stop Using the App and Services at any time. If account deletion is available, you may delete your account according to the instructions within the App.
  • Effect of Termination: Upon termination, your right to Use the App and Services will immediately cease. We may delete your Personal Information after a reasonable period of time, subject to our data retention policies and legal obligations. Sections 6, 7, 8, 9, 10, 11, 12 and 14 shall survive termination.

10. Governing Law and Dispute Resolution

  • Governing Law: These Terms shall be governed by and construed in accordance with the laws of the State of Wyoming, United States, without regard to its conflict of laws principles.
  • Dispute Resolution: Any dispute arising out of or relating to these Terms or your Use of the App or Services shall, as a first step, be subject to good faith negotiations between you and the Company. If the dispute cannot be resolved through negotiation, it shall be resolved through binding arbitration administered by the American Arbitration Association (AAA) in accordance with its Commercial Arbitration Rules. The arbitration shall take place in Cheyenne, Wyoming, or another mutually agreeable location in Wyoming. The arbitrator's award shall be final and binding, and judgment on the award may be entered in any court having jurisdiction.
  • Class Action Waiver: You and the Company agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action.

11. Modifications to Terms

The Company reserves the right to modify these Terms at any time. We will post the updated Terms on the App and update the "Effective Date" at the top of this document. We may also provide you with notice of material changes via email or other means. Your continued Use of the App or Services after the effective date of the revised Terms constitutes your acceptance of the changes.

12. Entire Agreement

These Terms, together with our Privacy Policy, constitute the entire agreement between you and the Company regarding your Use of the App and Services and supersede all prior or contemporaneous communications and proposals, whether oral or written, between you and the Company.

13. Severability

If any provision of these Terms is held to be invalid or unenforceable by a court of competent jurisdiction, such provision shall be struck and the remaining provisions shall remain in full force and effect. The invalid or unenforceable provision shall be deemed modified to the extent necessary to make it valid and enforceable, while preserving its intent. If any provision of this agreement is deemed unenforceable in the State of Wyoming, USA, the specific provision shall be severed from this agreement without affecting the enforceability of the other provisions.

14. Contact Information

If you have any questions about these Terms, please contact us at:
FIIC Ventures LLC
1309 Coffeen Avenue, STE 1200
Sheridan, WY 82801
Email: contact@fiic.ventures