Last updated: March 27, 2026
Remi is an AI companion for money psychology education — not a therapist, financial advisor, or substitute for professional help.
Welcome to Remi (“Remi,” “we,” “us,” or “our”), a product of Richify Bilişim Teknolojileri Eğitim Danışmanlık ve Mühendislik Hizmetleri Ltd. Şti. and its affiliates (“richify.ai” or “Company”). These Terms of Service (the “Terms”) set forth the legally binding terms and conditions governing your access to and use of the Remi mobile application (“App”) and related services (collectively, the “Service”).
PLEASE READ THESE TERMS CAREFULLY. BY ACCESSING OR USING THE SERVICE, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO ALL OF THESE TERMS, DO NOT ACCESS OR USE THE SERVICE.
We reserve the right, in our sole discretion, to change, modify, add to, supplement, or delete any portion of these Terms at any time. When we make material changes, we will notify you through the App or by other reasonable means. Your continued use of the Service after such changes constitutes your acceptance of the revised Terms.
Prior versions of these Terms are available upon request by contacting support@richify.ai.
IMPORTANT — PLEASE READ CAREFULLY
Remi is an AI-powered companion designed to facilitate educational conversations about the psychology of money and financial wellbeing. We are not a licensed or registered therapist, psychologist, psychiatrist, counselor, financial advisor, investment adviser, broker-dealer, or any other licensed professional.
All information, content, analysis, and materials provided through the Service — including outputs generated by our AI — are provided for general educational and informational purposes only and do not constitute professional advice of any kind.
You acknowledge that the Service does not provide:
Your use of the Service does not create:
If you are experiencing a mental health emergency, suicidal thoughts, or are in immediate danger, please contact emergency services (911 in the US, 112 in the EU, 182 in Turkey) or a crisis helpline immediately. Remi is not equipped to handle emergency situations.
You acknowledge that the Service uses generative artificial intelligence systems (including large language models) that have inherent limitations. Specifically:
BY USING THE SERVICE, YOU EXPRESSLY ACKNOWLEDGE AND AGREE THAT:
(A) YOU WILL NOT RELY ON ANY INFORMATION, CONTENT, OR OUTPUT FROM THE SERVICE AS THE SOLE OR PRIMARY BASIS FOR ANY FINANCIAL, MEDICAL, OR LIFE DECISIONS;
(B) YOU WILL CONSULT QUALIFIED PROFESSIONALS BEFORE MAKING SUCH DECISIONS; AND
(C) TO THE MAXIMUM EXTENT PERMITTED BY LAW, THE COMPANY SHALL HAVE NO LIABILITY FOR ANY DECISION YOU MAKE BASED ON INFORMATION FROM THE SERVICE.
You must be at least 13 years of age (or the applicable age of digital consent in your jurisdiction) to use the Service. If you are under 18, you represent that your parent or legal guardian has reviewed and agreed to these Terms on your behalf.
The Service is not intended for children under 13, and we do not knowingly collect information from anyone under 13. If we learn that we have collected information from a child under 13, we will take steps to delete such information promptly.
The Service uses device-based identification. When you install the App, a unique device identifier is automatically assigned. You do not need to create an account or provide personal information such as an email address to use the Service.
You are responsible for:
Every user receives 10 free credits upon first use. Each credit allows one message exchange with Remi.
After your free credits are used, you may purchase additional credit packages through Apple's App Store or Google Play Store. Available packages include 20, 50, and 100 credit options. Package options and pricing will be clearly disclosed before purchase. Credits do not expire.
All payments are processed exclusively through the Apple App Store or Google Play Store, with RevenueCat as our in-app purchase management provider. We do not directly collect, process, or store your payment card information. All billing, refund, and payment-related issues are governed by the respective App Store's policies.
Except as required by applicable law, all credit purchases are non-refundable. If you believe you are entitled to a refund, please contact the relevant App Store directly.
Prices displayed in the App Stores may not include applicable taxes, levies, duties, or similar governmental charges. You are responsible for all applicable taxes associated with your purchases.
You agree not to use the Service to:
We reserve the right to investigate violations and to take appropriate action, including suspending or terminating your access to the Service.
The Service, including all content, features, functionality, software, code, AI models, algorithms, designs, text, graphics, and trademarks, is owned by the Company and is protected by intellectual property laws. You are granted a limited, non-exclusive, non-transferable license to use the Service for personal, non-commercial purposes in accordance with these Terms.
You will not, and will not permit any third party to:
If you provide us with any suggestions, ideas, feedback, or recommendations (“Feedback”), you grant us a perpetual, irrevocable, royalty-free, worldwide, sublicensable, and transferable license to use, reproduce, modify, and incorporate such Feedback into the Service without any obligation to you.
“Remi,” “Richify,” “Richify.ai,” and our logos, product names, and service names are trademarks of the Company. You may not use them without our prior written permission.
The Service integrates with and relies on various third-party service providers, including:
Your use of third-party services in connection with the Service may be subject to the third-party providers' own terms of service and privacy policies. We make no representations or warranties regarding third-party services and expressly disclaim all liability for their availability, accuracy, or reliability.
We take the security of your data seriously and implement reasonable administrative, physical, and technical safeguards. Our security measures include:
However, no method of transmission over the internet or electronic storage is completely secure. While we strive to protect your data, we cannot guarantee absolute security.
Our collection, use, storage, and disclosure of your information is governed by our Privacy Policy.
To provide the Service, we transmit your messages to third-party AI service providers to generate responses. By using the Service, you consent to this processing. We will clearly disclose the categories of data shared in our Privacy Policy.
EXCEPT AS EXPRESSLY PROVIDED IN THESE TERMS, THE SERVICE AND ALL CONTENT, INCLUDING AI-GENERATED CONTENT, ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO:
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THE ABOVE EXCLUSIONS MAY NOT APPLY TO YOU.
WITHOUT LIMITING SECTION 10.1, YOU ACKNOWLEDGE THAT AI SYSTEMS ARE EXPERIMENTAL AND PROBABILISTIC AND MAY PRODUCE OUTPUTS THAT ARE INACCURATE, INCOMPLETE, BIASED, OR HARMFUL. YOU ASSUME ALL RISK ASSOCIATED WITH YOUR USE OF AND RELIANCE ON AI-GENERATED CONTENT.
YOU ACKNOWLEDGE THAT THE LIMITATIONS OF LIABILITY IN THIS SECTION ARE AN ESSENTIAL ELEMENT OF THE AGREEMENT AND THAT THE COMPANY WOULD NOT PROVIDE THE SERVICE WITHOUT THESE LIMITATIONS.
TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL THE COMPANY, ITS AFFILIATES, DIRECTORS, OFFICERS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY:
THIS LIMITATION APPLIES REGARDLESS OF THE LEGAL THEORY UPON WHICH THE CLAIM IS BASED.
THE TOTAL CUMULATIVE LIABILITY OF THE COMPANY FOR ALL CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF:
NOTHING IN THESE TERMS SHALL LIMIT OR EXCLUDE LIABILITY FOR:
Neither party will be liable for any failure or delay in performing its obligations under these Terms caused by events beyond its reasonable control, including but not limited to: acts of God, natural disasters, epidemics, pandemics, war, terrorism, internet or telecommunications failures, third-party API or service failures, cyber attacks, power outages, or changes in law or regulatory requirements.
SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES. IN SUCH JURISDICTIONS, THE ABOVE LIMITATIONS OR EXCLUSIONS MAY NOT APPLY TO YOU TO THE EXTENT PROHIBITED, AND OUR LIABILITY WILL BE LIMITED TO THE GREATEST EXTENT PERMITTED BY APPLICABLE LAW. FOR CONSUMERS IN THE EUROPEAN UNION AND UNITED KINGDOM, NOTHING IN THESE TERMS AFFECTS YOUR STATUTORY RIGHTS.
You agree to indemnify, defend, and hold harmless the Company, its affiliates, and its and their respective officers, directors, employees, and agents from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising from or related to:
Consumer Protection Limitations. If you are a consumer in the European Union, United Kingdom, or another jurisdiction where broad indemnification obligations are restricted by law, this indemnification shall apply only to the extent permitted by applicable law.
This indemnification obligation will survive the termination or expiration of these Terms.
These Terms commence when you first access or use the Service and continue until terminated.
You may stop using the Service at any time by deleting the App from your device. If you wish to have your device data deleted from our servers, please contact us at support@richify.ai.
We may suspend or terminate your access to the Service, with or without notice, for any reason, including but not limited to:
Upon termination:
The following provisions survive termination: Sections 2 (Educational Purpose and Disclaimer), 7 (Intellectual Property), 10 (Warranties and Disclaimers), 11 (Limitation of Liability), 12 (Indemnification), 14 (Dispute Resolution), and 15 (International Compliance).
PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.
Before filing a claim against the Company, you agree to try to resolve the dispute informally by contacting us at support@richify.ai. We will try to resolve the dispute informally within 60 days. If we cannot resolve the dispute informally, you and we agree to the dispute resolution procedures below.
If you are a resident of the United States, you and the Company agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved by binding individual arbitration administered by the American Arbitration Association (“AAA”) under its Consumer Arbitration Rules.
Class Action Waiver. YOU AND THE COMPANY AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY, AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS OR REPRESENTATIVE PROCEEDING.
Opt-Out Right. You have the right to opt out of this arbitration agreement by sending written notice to support@richify.ai within 30 days of first using the Service.
If you are a resident of the United States, these Terms and any Disputes will be governed by and construed in accordance with the laws of the State of Delaware, without regard to conflict of law principles.
European Union and United Kingdom. If you are a consumer resident in the EU or UK, these Terms are governed by the laws of your country of residence. Nothing in these Terms affects your statutory consumer rights. You may bring claims in the courts of your country of residence.
Turkey. If you are a resident of Turkey, these Terms are governed by the laws of the Republic of Turkey. Any disputes shall be submitted to the competent courts and enforcement offices in Istanbul, Turkey.
Australia. If you are a consumer resident in Australia, these Terms are governed by the laws of New South Wales, Australia. Nothing in these Terms excludes, restricts, or modifies any consumer guarantee or right under the Australian Consumer Law.
Other Jurisdictions. If you are a resident of any other jurisdiction, these Terms are governed by the laws of the State of Delaware, USA. Any disputes shall be submitted to the competent courts in Delaware.
You agree that any claim you may have arising out of or related to your relationship with the Company must be filed within one (1) year after such claim arose, or the claim is permanently barred, except where a longer period is required by applicable mandatory law.
If you are a consumer in the European Union, you have certain rights under EU consumer protection laws, including:
Nothing in these Terms affects your statutory rights. For dispute resolution, you may use the European Commission's Online Dispute Resolution platform at https://ec.europa.eu/consumers/odr.
If you are a consumer in the United Kingdom, you have certain rights under UK consumer protection laws, including the Consumer Rights Act 2015. Nothing in these Terms excludes or limits those rights.
Our processing of personal data is subject to the Turkish Law on the Protection of Personal Data (KVKK, Law No. 6698). For details on how we process your data, please refer to our Privacy Policy.
If you are a consumer in Turkey, you have rights under the Law on the Protection of Consumers (Law No. 6502). For consumer complaints, you may contact consumer arbitration committees (Tüketici Hakem Heyeti) or consumer courts in Turkey.
Our handling of personal information is subject to the Australian Privacy Principles under the Privacy Act 1988. If you are a consumer in Australia, you have rights under the Australian Consumer Law, including guarantees that digital products are of acceptable quality.
The Service may be subject to export control laws and regulations. You represent and warrant that you are not located in, under the control of, or a national or resident of any country subject to applicable trade sanctions or embargoes.
These Terms, together with our Privacy Policy, constitute the entire agreement between you and the Company regarding the Service and supersede all prior agreements and understandings.
If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions shall continue in full force and effect.
No waiver of any term or condition shall be deemed a further or continuing waiver of such term or any other term. Our failure to enforce any right or provision shall not constitute a waiver of such right or provision.
You may not assign or transfer these Terms or your rights hereunder without our prior written consent. We may assign these Terms freely in connection with a merger, acquisition, reorganization, or sale of all or substantially all of our assets.
We may provide notices to you via push notification through the App, by posting a notice within the App, or by other reasonable means. Notices to the Company should be sent to: support@richify.ai.
These Terms are drafted in English. If these Terms are translated into any other language, the English version shall prevail in the event of any conflict or inconsistency.
If you access the Service through an application downloaded from the Apple App Store, the following additional terms apply:
If you access the Service through an application downloaded from the Google Play Store, the following additional terms apply:
If you have any questions, concerns, or complaints about these Terms or the Service, please contact us:
Richify Bilişim Teknolojileri Eğitim Danışmanlık ve Mühendislik Hizmetleri Ltd. Şti.
Email: support@richify.ai