Terms of Service

Effective Date: March 6, 2026

Welcome to Life CoS. By using our service, you agree to these terms.

1. Service Description

Life CoS is a personal life management application providing budgeting, time blocking, habit tracking, fitness tracking, nutrition logging, and sleep monitoring tools. Premium tiers include AI-powered insights and bank account integration.

2. Accounts

You must provide accurate information when creating an account. You are responsible for maintaining the security of your account credentials. You must be at least 18 years old to use Life CoS.

3. Subscription Tiers

Subscriptions renew automatically. You may cancel at any time. Refunds are handled on a case-by-case basis.

4. Financial Data

Bank account connections are provided through Plaid Inc. By linking your bank account, you authorize Plaid to access your financial data on your behalf. Life CoS displays this data for budgeting purposes only. We do not provide financial advice.

5. Health & Wellness Disclaimer

Life CoS provides general wellness tracking and AI-generated suggestions. This is not medical advice. Always consult a qualified healthcare provider before making changes to your diet, exercise, supplement, or medication regimen.

6. Acceptable Use

You agree not to:

7. Data Ownership

You own your data. We do not sell your personal information to third parties. See our Privacy Policy for details on how we handle your data.

8. Service Availability

We strive for high availability but do not guarantee uninterrupted service. We may perform maintenance or updates that temporarily affect availability.

9. Limitation of Liability

Life CoS is provided "as is" without warranties of any kind. We are not liable for any damages arising from your use of the service, including but not limited to financial decisions made based on data displayed in the application.

10. Termination

We may suspend or terminate your account for violations of these terms. You may delete your account at any time.

11. Changes to Terms

We may update these terms from time to time. Continued use of the service after changes constitutes acceptance of the updated terms.

12. Governing Law

These terms are governed by the laws of the State of Texas, United States.

13. Contact

Questions? Contact us at support@planxero.com.

BLKBX Capital LLC · Fort Worth, TX