Terms of Use

Last updated 19 August 2026

1. The agreement

These Terms of Use are a contract between you and Fivo, Inc.(“Fivo”, “we”, “us”), whose address is 2 Embarcadero Center, San Francisco, CA 94111. They apply when you visit heyfivo.com, submit your information to us, or use the Fivo application or service (together, the “Services”). By doing any of those things you accept these Terms. If you do not accept them, do not use the Services.

2. Who may use Fivo

You must be at least 18 years old, a resident of the United States, and legally able to enter into a contract. Fivo is not available in every state, and the parts of the service that are available to you depend on where you live and on which partners we are licensed to work with there. We may decline to provide the Services to anyone, at any time.

3. What Fivo is

Fivo is software that acts on your instructions. It prepares and submits applications, corresponds with lenders, banks and credit unions, requests validation of debts, disputes what is not owed, and negotiates on your behalf. It reports back to you, and you decide.

4. What Fivo is not

Fivo is not a bank, a lender, a creditor, a broker of record, a law firm, a credit repair organization, a debt settlement company, a debt collector, a credit counseling agency, or a licensed financial adviser. Fivo does not hold your money, and nothing provided through the Services is a deposit or is insured by the FDIC, the NCUA or any government agency.

Nothing on this site or in the Services is legal, tax, accounting, credit or investment advice, and nothing is an offer of credit, a pre-qualification, a firm offer of credit, a commitment to lend, or a promise to reduce, settle or eliminate any debt. Any credit you obtain is offered by a third party on that party's own terms. Whether you are approved, for how much, and at what rate is decided by that third party and depends on your own circumstances. Rates, terms, timelines and outcomes shown anywhere in the Services are illustrative and are not guaranteed.

5. Your instructions and your approval

When you ask Fivo to act, you appoint us as your limited agent for that task and no other. You authorise us to communicate with the institutions you identify, to submit information you have given us, and, where you separately authorise it, to obtain a consumer report about you.

Fivo will not accept an offer, sign an agreement, transfer money, or settle a debt without your explicit approval of that specific action. You are responsible for reading what you approve. You may withdraw an instruction at any time, though we cannot undo a step already completed with a third party.

6. What you owe us

You agree that the information you give us is true, accurate and complete, and that you will keep it current. Submitting false information, or information about someone else without their authority, is a breach of these Terms. You are responsible for keeping your credentials secure and for activity under your account.

7. Automated systems and their limits

The Services rely on artificial intelligence. AI systems make mistakes: they can misread a document, miscalculate a figure, or state something confidently that is wrong. Anything Fivo produces is a draft for your review, not a professional opinion, and you should verify anything that matters before you rely on it. We do not warrant that any output is accurate, complete or suitable for your situation.

8. Electronic communications

You consent to receive communications, disclosures, notices and agreements from us electronically, and you agree that electronic delivery satisfies any legal requirement that they be in writing. You may withdraw this consent by writing to support@heyfivo.com, though we may then be unable to provide the Services.

9. Text messages

Where you give your express written consent, you agree that Fivo, our processors and our affiliates may send you recurring automated marketing and informational text messages at the number you provided, including messages sent using an automatic telephone dialing system or an artificial or prerecorded voice. Consent is not a condition of purchasing any goods or services. Message frequency varies. Message and data rates may apply. Reply STOP to stop and HELP for help. Carriers are not liable for delayed or undelivered messages. You confirm the number is yours and agree to tell us if it changes.

10. Acceptable use

You agree not to:

• use the Services to break the law or to defraud anyone;
• impersonate another person or misrepresent your authority to act for them;
• interfere with, probe, overload or reverse engineer the Services, or circumvent any security or rate limit;
• scrape, copy or resell any part of the Services or their content;
• use the Services to train a competing model or product; or
• upload malicious code or anything you do not have the right to share.

11. The game on our home page

The overworld on our home page is a work of fiction. Every institution, collection agency, debt buyer, character, line of dialogue, interest rate, balance and settlement figure in it is invented for illustration. None of it describes any real company, account, negotiation or outcome, and nothing that happens in it predicts what Fivo would achieve for you. We grant you a personal, non-commercial license to play it and nothing more.

12. Intellectual property

The Services, and all software, text, design, artwork, audio and trade marks in them, belong to Fivo or its licensors. We grant you a limited, revocable, non-exclusive, non-transferable license to use the Services for your own personal purposes. Everything not expressly granted is reserved. You keep ownership of the information and documents you submit, and you grant us the license we need to process them in order to provide the Services.

13. Third parties

The Services link to and interoperate with third parties we do not control. Your dealings with a lender, bank, credit union, collection agency or debt buyer are between you and them and are governed by their terms. We are not responsible for their acts, omissions, products or decisions.

14. Disclaimer of warranties

The Services are provided as is and as available, without warranty of any kind. To the fullest extent permitted by law, we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, non-infringement, accuracy, and any warranty arising from course of dealing or trade usage. We do not warrant that the Services will be uninterrupted, secure or error free, or that any particular financial outcome will be achieved. Some states do not allow the exclusion of implied warranties, so parts of this section may not apply to you.

15. Limitation of liability

To the fullest extent permitted by law, neither Fivo nor its officers, employees or agents is liable for any indirect, incidental, special, consequential, exemplary or punitive damages, or for lost profits, lost savings, lost data, or loss of goodwill, arising out of or relating to the Services, whether in contract, tort or otherwise, even if we were advised that such damages were possible.

Our total liability for all claims relating to the Services is limited to the greater of the amount you paid us in the twelve months before the event giving rise to the claim, or one hundred United States dollars. Some states do not allow these limitations, so parts of this section may not apply to you. Nothing here limits liability that cannot lawfully be limited, including for fraud.

16. Disputes, arbitration and class action waiver

Please read this section carefully. It affects your legal rights.

First, talk to us. Write to legal@heyfivo.com describing the dispute and what you want. We will try in good faith to resolve it within 60 days.

If we cannot, you and Fivo agree that any dispute arising out of or relating to these Terms or the Services will be resolved by final and binding individual arbitration administered by the American Arbitration Association under its consumer arbitration rules, before a single arbitrator, in the county where you live or by video or telephone at your election. The Federal Arbitration Act governs this section.

You and Fivo each waive the right to a jury trial and the right to participate in a class, collective, consolidated or representative action. The arbitrator may award relief only in favor of the individual party seeking it. If the class action waiver is held unenforceable as to a particular claim, that claim proceeds in court and the rest of this section still applies.

You may opt out. If you write to legal@heyfivo.com within 30 days of first accepting these Terms, stating your name and that you opt out of arbitration, this entire section will not apply to you, and opting out will not affect anything else in these Terms or our willingness to provide the Services.

Either party may bring an individual claim in small claims court, and either party may seek injunctive relief in court to protect intellectual property.

17. Governing law

These Terms are governed by the laws of the State of Delaware, without regard to its conflict of laws rules, and by federal law where it applies. Where a dispute proceeds in court rather than arbitration, the state and federal courts located in Delaware have exclusive jurisdiction, and both parties consent to their venue. Nothing in this section deprives you of the protection of mandatory consumer law in the state where you live.

18. Suspension and termination

You may stop using the Services at any time and ask us to close your account. We may suspend or terminate your access if you breach these Terms, if we are required to by law or by a partner, or if we discontinue the Services. Sections 4, 6 and 12 through 20 survive termination.

19. Changes

We may change these Terms. If a change is material we will post the revised Terms here with a new date and give you notice before they take effect. Continuing to use the Services after that date means you accept the revised Terms. If you do not accept them, stop using the Services.

20. General

These Terms, together with our Privacy Policy, are the entire agreement between you and Fivo about the Services. If a provision is held unenforceable, the rest remains in force. Our failure to enforce a provision is not a waiver of it. You may not assign these Terms; we may assign them to an affiliate or to an acquirer of our business. The headings are for convenience only.

21. Contact

legal@heyfivo.com for legal notices, support@heyfivo.com for everything else, or write to Fivo, Inc., 2 Embarcadero Center, San Francisco, CA 94111.