Terms of Service

1. Introduction and Agreement

Welcome to Famlo (the "Platform"), owned and operated by The Hive Network, LLC ("Famlo," "we," "our," or "us"), a privately formed Florida limited liability company not created by, owned by, or acting on behalf of any Florida public agency. These Terms and Conditions ("Terms") govern your use of the Platform and constitute a binding legal agreement between you and Famlo.

By accessing or using our Platform, you agree to these Terms in their entirety.

2. Definitions

• "Platform" refers to the Famlo website and all related services, content, and functionality.
• "User" or "you" refers to any individual or entity that accesses or uses the Platform.
• "Group Organizer" refers to a user who creates and manages events or groups on the Platform.
• "Event" refers to any activity or gathering posted by a Group Organizer via the Platform.
• "Content" includes all text, images, data, videos, and other material submitted or accessed through the Platform.

Users must comply with all applicable laws and refrain from misuse of the Platform. Use of the Platform in violation of these Terms or any applicable law may result in suspension or termination of your account.

3. Description of Services

Famlo provides software-as-a-service ("SaaS") solutions that enable homeschool groups and families to organize, manage, and participate in homeschooling activities. Key features include event creation, RSVP management, waitlist management, family profile management, communications, group discovery, and payment processing.

Famlo explicitly affirms it does not accept delegation of any governmental decision-making function.

4. User Accounts

To access specific features, you must create an account. Account holders must be at least 18 years old or of legal age to enter binding agreements in their jurisdiction. You agree to:

• Provide accurate, current, and complete account information.
• Maintain confidentiality of your account credentials.
• Notify Famlo immediately of unauthorized use or security breaches.

Famlo reserves the right to suspend or terminate accounts for violations of these Terms or misuse.

Sunshine Law Disclaimer:

Meetings or events conducted via Famlo are private unless a public body independently determines that § 286.011, Fla. Stat. applies. In such cases, the public body—not Famlo—bears responsibility for complying with applicable notice and minutes requirements.

5. Privacy Policy Integration

Your use of Famlo is governed by our Privacy Policy, explicitly integrated herein, outlining how we handle your personal data. By using our services, you consent to all actions taken with respect to your information consistent with our Privacy Policy.

6. Payments, Platform Fees, and Refunds

A. Who charges whom

There are two distinct payment relationships on the Platform, and they have different merchants of record. Which one applies determines who is responsible to you.

• Money a family pays an organization — event registrations, tuition, and group membership dues — is processed through Stripe Connect as a direct charge on the organization's own connected Stripe account. The Group Organizer is the merchant of record: their name appears on the cardholder's statement, they are responsible for delivering the activity, and they are primarily responsible for refunds, chargebacks, and disputes. Famlo is a marketplace facilitator and is not the seller of any event, class, membership, or other good or service offered by a Group Organizer.
• Money an organization pays Famlo — the Famlo Organization Subscription described in Section 6A — is charged by Famlo on Famlo's own Stripe account. For those charges, and only those charges, The Hive Network, LLC is the merchant of record and is solely responsible for billing, cancellation, and refunds.

Families never pay Famlo a fee. There is no booking fee, service fee, convenience fee, or account fee charged to a member or family at checkout or at any other time. Members are charged the listed price set by the Group Organizer, and nothing more.

B. Famlo's platform fee

On card payments an organization collects through the Platform, Famlo retains a platform fee of 10% of the amount charged, capped at $15 per enrollment. The cap is applied after the percentage, so the fee on any transaction is the lesser of the two. The effective rate therefore falls as the amount rises:

• On a $25 charge: $2.50 (10%).
• On a $150 charge: $15.00 (10%, the point at which the cap first binds).
• On a $250 charge: $15.00 (6%).
• On a $2,000 charge: $15.00 (0.75%).

The platform fee, together with payment processing fees, is deducted from the Group Organizer's payout and is never added to the price paid by the member. "Per enrollment" means per registration or membership transaction, not per child; where a family enrolls more than one child in a single transaction, the cap applies once to that transaction.

For recurring membership dues, Famlo's payment processor supports only a percentage-based fee on subscriptions rather than a fixed amount. Famlo therefore applies a percentage calculated against the recurring amount and reduced as necessary so that the fee charged on any single renewal invoice does not exceed $15.

C. Payments Famlo charges no fee on

• Scholarship and ESA funding. Some Group Organizers accept scholarship or education savings account (ESA) funding, for example Step Up For Students and similar programs. These are handled as an invoice flow rather than a card payment: Famlo reserves the seat and generates an invoice the family submits to their program for reimbursement. No funds are processed, held, or disbursed by Famlo on these transactions, no card is charged, and Famlo's platform fee does not apply. Where scholarship or ESA funding is applied against a balance that is partly paid by card, the platform fee is calculated only on the amount actually charged to the card after that funding is applied. Famlo is not a party to, and does not approve, expedite, or guarantee, any scholarship or ESA program.
• Offline and manually recorded payments. Cash, check, bank transfer, and any other payment a Group Organizer collects outside the Platform and records against a member's balance carry no platform fee. Famlo does not charge a percentage of money it never processed. Recording an offline payment gives the member the same access and records as a card payment.

D. The fee is fixed at the time of booking

The platform fee applicable to a registration or membership is determined and recorded at the moment that registration or membership is created, using the rate then in effect for that organization. A later change to Famlo's published rate, to an organization's subscription plan, or to any individually agreed rate does not re-price a registration already made, and does not change the fee reversed on a subsequent refund of that registration. Fee changes apply only to registrations and memberships created after the change takes effect.

E. Individually agreed rates

Famlo may agree a platform fee rate with a particular organization that differs from the published rate — for example with a launch partner, a pilot organization, or an organization operating under a separate written agreement. Any such rate is agreed with that organization before it takes effect, applies only to that organization, applies only to registrations created after it is set, and remains subject to the $15 per-enrollment cap. An individually agreed rate never changes what a member pays. Famlo does not publish the terms of individual arrangements, and no organization is entitled to be offered one. Except by written agreement with the organization, Famlo will not apply to an organization a rate higher than the published rate stated in paragraph B above.

F. Payment processing fees

Stripe charges its own payment processing fees, currently 2.9% + $0.30 for card payments and 0.8% capped at $5.00 for bank transfers. These fees are set and retained by Stripe, are not marked up by Famlo, and are deducted from the Group Organizer's payout rather than added to the price the member pays. All payment transactions are additionally subject to the terms of the applicable payment provider.

G. Refunds

Refund eligibility for registrations and memberships is determined by the Group Organizer and governed by Famlo's Refund Policy, which is incorporated into these Terms by reference. In summary, and subject to that policy:

• A refund returns the listed price the member actually paid. Because platform and processing fees were never added to that price, they are not deducted from what the member gets back.
• Where a refund is issued, Famlo returns its platform fee in the same proportion as the refund, so a Group Organizer is not left carrying Famlo's fee on money they gave back.
• Stripe's processing fee on the original charge is retained by Stripe and is not returned when a refund is issued. It is not deducted from what the member receives: a member entitled to a refund is returned the full listed price they paid, and the unrecovered processing fee is borne on the Famlo and organizer side of the transaction rather than theirs.
• Refunds requested after the refund cutoff are not guaranteed and remain at the Group Organizer's discretion, as set out in the Refund Policy.
• Refunds cannot be processed for transactions older than 90 days, due to payment processor limitations.

Group Organizers are solely responsible for the quality, safety, and delivery of their events and services. Service-related complaints should be directed to the Group Organizer first. By making or accepting any payment through the Platform, you agree to these payment terms and to the Refund Policy.

6A. Famlo Organization Subscription

This Section governs the subscription an organization buys from Famlo. It is separate from, and must not be confused with, the membership dues an organization charges its own families. For everything in this Section, The Hive Network, LLC is the merchant of record: Famlo bills the organization directly on Famlo's own Stripe account, Famlo's name appears on the statement, and Famlo alone is responsible for these charges.

A. Plans

• Free — $0 per month. Listing, rosters, events and reservations, messaging, announcements, card checkout through the organization's own Stripe account, offline payment recording, and financial ledger export. This plan is not a trial and has no time limit. Organizations on this plan pay the platform fee described in Section 6, and pay nothing at all in any period in which they collect no card payments through the Platform.
• Scholarship — $49 per month. Everything in Free, plus the invoicing suite: invoices issued in the child's name for each period, draft, sent, on-hold and paid status tracking, and a running view of what the organization is currently owed. Because this flow raises invoices rather than charging cards, an organization whose families all pay by scholarship or ESA can use it without connecting a Stripe account at all. Organizations on this plan continue to pay the platform fee described in Section 6 on any card payments they do collect.
• Platform — $99 per month. Everything in Scholarship, plus the plan's single substantive benefit: while the plan is active, Famlo charges no platform fee on card payments the organization collects, at any amount.

There is no trial period on any plan. The Free plan is permanently free rather than an introductory offer, and neither paid plan begins with a free or discounted introductory period.

B. Billing, renewal, and cancellation

Paid plans are billed monthly in advance and renew automatically each month until canceled, as disclosed in Section 40. An organization may cancel at any time from its plan settings, through the Stripe-hosted billing portal linked from that page, or by emailing support@famlo.co. Cancellation takes effect at the end of the billing period already paid for; the organization keeps the plan's benefits until then and is not charged again. Famlo does not refund the unused remainder of a period on a cancellation initiated by the organization. Invoice history, receipts, and the payment method on file are managed through that same billing portal.

No setup fee, no minimum term, no exit fee. Paid plans are month to month. There is no onboarding or activation charge, no annual commitment, and no charge of any kind for leaving. On cancellation or account closure an organization may export its data, and Famlo will delete it in accordance with the Data Deletion Policy.

C. Changing plans

An organization may move between paid plans at any time. Changes are made to the existing subscription and are prorated in both directions. On an upgrade, Famlo invoices the difference for the remainder of the current period immediately and the following renewal is at the ordinary plan price. On a downgrade, the unused value of the higher plan is credited against the next invoice. Moving to the Free plan is a cancellation of the paid subscription and is governed by paragraph B above.

D. Failed payment suspends the plan's benefits

A plan entitles an organization to its benefits only while the subscription is in good standing with Famlo's payment processor. If a renewal payment fails and the subscription goes past due, the Platform plan's fee waiver is suspended and the ordinary 10% platform fee, capped at $15 per enrollment, resumes on card payments collected from that point until payment is restored. The features a paid plan adds are likewise unavailable while it is past due; nothing an organization has already created is deleted. Famlo will email the organization's owner when a plan payment fails, stating what changes as a result. Bringing the account current restores the plan prospectively. Because the platform fee on a registration is fixed when that registration is created (Section 6D), fees charged during a period of suspension are not reversed once payment is restored. Famlo may cancel a subscription that remains unpaid.

E. The fee waiver is not retroactive

Subscribing to the Platform plan waives the platform fee on card payments collected after the plan takes effect. It does not refund, credit, or recalculate platform fees on registrations and memberships created before that date, which keep the fee recorded against them under Section 6D.

F. Price changes

Famlo may change plan prices. Famlo will give an organization at least 30 days' advance notice by email before an increased price applies to that organization, and the increase will take effect no earlier than the start of the first billing period beginning after that notice period. An organization that does not wish to accept a price increase may cancel before it takes effect, as described in paragraph B. Continuing the subscription after the effective date constitutes acceptance of the new price.

G. A plan is not a fee on scholarship money

A Famlo plan is a flat monthly software charge billed by Famlo to the organization's own operating funds. It is not calculated by reference to any scholarship or ESA award, invoice, or balance, and it does not vary with the number of scholarship students an organization serves. As stated in Section 6C, Famlo takes no percentage of scholarship or ESA funds and never receives them. Organizations may not bill any part of a Famlo plan to a family, include it on a scholarship or ESA invoice, or seek reimbursement for it from any scholarship or ESA program.

H. Fees are separate from payment processing

A Famlo plan does not change Stripe's payment processing fees, which apply on every plan, are set and retained by Stripe, and are not marked up by Famlo. The Platform plan waives Famlo's platform fee only.

6B. Taxes

Famlo Organization Subscription prices are stated exclusive of tax. The monthly plan prices do not include any sales, use, excise, gross receipts, communications services, or similar transaction tax. Where Famlo is required to collect such a tax on a subscription, it will be calculated on the basis of the organization's billing address, shown separately on the invoice, and added to the amount charged. Each organization is responsible for these taxes; Famlo is responsible only for taxes on its own net income.

Whether a subscription is taxable depends on the organization's location, because software delivered as a service is taxed in some states and not in others. An organization that is exempt from sales tax — for example a recognized tax-exempt nonprofit — must provide a valid exemption certificate for the relevant state before Famlo can stop collecting tax. Famlo will not refund tax already remitted to a state on the basis of a certificate provided afterward, but will apply it going forward.

Taxes on what organizations sell are the organization's responsibility. Because the Group Organizer is the merchant of record for registrations, tuition, and membership dues (Section 6A), the Group Organizer is solely responsible for determining whether any tax applies to what it sells and for collecting, reporting, and remitting it. Famlo does not calculate, collect, remit, or file tax on a Group Organizer's sales, and nothing on the Platform is tax advice.

7. Ownership and Licensing of User-Generated Content

Famlo retains ownership of the Platform and all associated intellectual property rights. Users retain ownership of their content but grant Famlo a non-exclusive, worldwide, royalty-free license to use, display, reproduce, adapt, and distribute user-generated content submitted to the Platform in connection with operating, promoting, and improving the Platform and its services.

This license terminates when you delete your content or account, except for content that has been shared with other users, groups, or third-party services prior to deletion. This license does not apply to children's health information or medical data, which is governed exclusively by our Privacy Policy.

Public Records Allocation:

Platform records are not considered "public records" unless a Florida public agency explicitly contracts with Famlo and delegates to it a specific record-keeping duty. In such cases, the public agency is responsible for handling all public record requests pursuant to § 119.011(12) and § 119.07, Fla. Stat.

8. Intellectual Property Protection

All Platform software, design, trademarks, logos, and underlying technologies are owned exclusively by Famlo. Unauthorized use, reproduction, or distribution is strictly prohibited.

Third-Party Trademarks

All third-party product names, company names, brands, trademarks, service marks, and logos referenced or displayed on the Platform are the property of their respective owners. Famlo's use or display of these names and logos is for identification and informational purposes only—to help families discover activities, venues, and organizations—and constitutes nominative fair use. Such use does not imply any affiliation with, sponsorship by, or endorsement by the respective trademark owners, and no such affiliation, sponsorship, or endorsement should be inferred. Famlo is an independent activities directory and is not affiliated with any listed venue or organization unless expressly stated in a written agreement.

Where a venue or organization's name, logo, or imagery appears in connection with a listing, it is provided either by the organization that claimed its Platform page or sourced from publicly available event feeds to describe the listing. Users who upload content are solely responsible for ensuring they hold the necessary rights to do so.

Trademark Removal Requests

If you are a trademark owner (or authorized representative) and believe your mark or logo is displayed on the Platform in a way you object to, you may request its removal or replacement with a plain-text reference. Send your request, identifying the mark and the specific page(s) where it appears, to legal@famlo.co. Famlo will review and respond promptly, and where appropriate will remove the contested logo or imagery.

9. User Conduct

Users agree not to engage in:

• Fraud or misrepresentation
• Harassment or defamation
• Abuse or discrimination
• Unauthorized data scraping or harvesting
• Impersonation or platform disruption
• Unlawful solicitation

Government-Directed Content Removal:

Famlo will not remove user content solely at the request of a Florida governmental entity unless such removal is permitted under § 112.23, Fla. Stat.

10. Indemnification

You agree to indemnify, defend, and hold harmless Famlo, its officers, directors, employees, agents, and service providers from and against all claims, damages, liabilities, and expenses arising out of your use or misuse of the Platform, violation of these Terms, or infringement of third-party rights.

11. Limitation of Liability

Famlo’s liability shall not exceed the total amount paid by you in the 12 months preceding the claim. Famlo is not liable for indirect, incidental, punitive, or consequential damages, including but not limited to lost profits, business interruption, or data loss.

12. Disclaimer of Warranties

The Platform is provided “as is,” without warranties of any kind, whether express or implied, including but not limited to warranties of merchantability, fitness for a particular purpose, and non-infringement. Famlo does not guarantee uninterrupted, secure, or error-free operation.

13. Binding Arbitration and Class-Action Waiver

Before initiating arbitration, you agree to first contact us at support@famlo.co and attempt to resolve the dispute informally for at least 30 days.

If the dispute is not resolved informally, all disputes, claims, or controversies arising out of or relating to this Agreement, the Platform, or your use thereof shall be resolved exclusively by binding arbitration in Lee County, Florida under the Consumer Arbitration Rules of the American Arbitration Association (AAA), with one neutral arbitrator. Famlo will pay all AAA filing, administration, and arbitrator fees for claims under $10,000, unless the arbitrator determines your claim is frivolous.

Small Claims Exception: Either party may bring an individual action in small claims court in Lee County, Florida if the claim qualifies.

Opt-Out Right: You may opt out of this arbitration provision by sending written notice to support@famlo.co within 30 days of creating your account. If you opt out, disputes will be resolved in the courts of Lee County, Florida.

Class-Action Waiver: You agree that any dispute resolution proceedings will be conducted only on an individual basis and not in a class, consolidated, or representative action. The arbitrator may award injunctive relief only in favor of the individual party seeking relief.

14. Waiver of Jury Trial

By accepting these Terms, you waive the right to a trial by jury for all disputes arising under or related to this Agreement.

15. Right to Modify Terms

Famlo may update these Terms at any time. Changes will be posted on the Platform. Continued use of the Platform constitutes acceptance of the revised Terms. Material changes will be communicated to you via email or platform notice at least 14 days before they take effect.

16. Entire Agreement

These Terms, together with our Privacy Policy, Refund & Cancellation Policy, and any supplemental terms for specific features, constitute the entire agreement between you and Famlo. They supersede all prior agreements, communications, and representations. No waiver or modification shall be binding unless in writing and signed by both parties.

17. Force Majeure

Famlo shall not be liable for any failure or delay in performance due to causes beyond its reasonable control, including but not limited to acts of God, natural disasters, internet outages, war, strikes, governmental actions, or civil unrest.

18. Severability and Waiver

If any provision of these Terms is found to be invalid or unenforceable, it shall be severed, and the remainder shall remain in full force. Famlo’s failure to enforce any right does not constitute a waiver of that right.

19. Compliance with Laws

You agree to comply with all applicable local, state, and federal laws in connection with your use of the Platform. Famlo does not warrant that the Platform is appropriate for use outside the United States.

20. Copyright Complaints (DMCA Policy)

Designated Agent

In accordance with the Digital Millennium Copyright Act (17 U.S.C. § 512), Famlo has designated an agent to receive notifications of claimed copyright infringement:

Filing a DMCA Takedown Notice

If you believe that your copyrighted work has been copied in a way that constitutes copyright infringement, please provide our designated agent with a written notification containing the following:

• A physical or electronic signature of a person authorized to act on behalf of the owner of the copyright interest
• Identification of the copyrighted work claimed to have been infringed
• Identification of the material that is claimed to be infringing, including the URL or other specific location on the Platform where the material is located
• Your address, telephone number, and email address
• A statement that you have a good faith belief that the disputed use is not authorized by the copyright owner, its agent, or the law
• A statement, made under penalty of perjury, that the information in your notice is accurate and that you are the copyright owner or authorized to act on the copyright owner's behalf

Counter-Notification Procedure

If you believe that material you posted was removed or disabled by mistake or misidentification, you may file a counter-notification with our designated agent containing:

• Your physical or electronic signature
• Identification of the material that has been removed or disabled and the location where it appeared before removal
• A statement under penalty of perjury that you have a good faith belief that the material was removed or disabled as a result of mistake or misidentification
• Your name, address, and telephone number, and a statement that you consent to the jurisdiction of the United States District Court for the Middle District of Florida, Fort Myers Division, and that you will accept service of process from the person who provided the original notification

Upon receipt of a valid counter-notification, Famlo will promptly provide the original complainant with a copy and inform them that the removed material may be restored in 10-14 business days. Unless the copyright owner files a court action against the content provider, the removed material may be restored.

Repeat Infringer Policy

In accordance with the DMCA and other applicable law, Famlo has adopted a policy of terminating, in appropriate circumstances and at our sole discretion, users who are deemed to be repeat infringers. We may also limit access to the Platform or terminate the accounts of any users who infringe any intellectual property rights of others, whether or not there is any repeat infringement.

21. Contact Information

If you have questions about these Terms, please contact:

The Hive Network, LLC
Email: support@famlo.co
Jurisdiction: Lee County, Florida, USA

22. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of Florida, without regard to its conflict of law provisions. Any legal suit, action, or proceeding arising out of or related to these Terms or the Platform shall be instituted exclusively in the courts located in Lee County, Florida.

23. No Agency

Nothing in these Terms shall be construed to create a joint venture, partnership, employment, or agency relationship between you and Famlo. Neither party has authority to bind the other in any respect.

24. Assignment

You may not assign or transfer these Terms without prior written consent from Famlo. We may assign or transfer our rights and obligations under these Terms at our discretion and without restriction.

25. Survival

Any provisions of these Terms which by their nature should survive termination shall so survive, including but not limited to ownership provisions, warranty disclaimers, indemnity, and limitations of liability.

26. Age Restrictions

Account registration is restricted to individuals who are at least 18 years of age or of legal age to enter binding agreements in their jurisdiction. Children do not create their own accounts. Parents and legal guardians may create and manage profiles on behalf of their minor children as part of their family account.

The Platform is not directed at children under 13, and we do not collect personal information directly from children. All information about a child is provided by their parent or legal guardian from the guardian's own account. Because it comes from an adult rather than from the child, the Children's Online Privacy Protection Act (COPPA) does not govern that collection, and we do not operate a COPPA consent process. What a guardian enters about a child, and who can see it, is set out in Section 9 of our Privacy Policy.

27. Acceptable Use

Famlo may suspend or terminate accounts for behavior deemed abusive, excessive, or misaligned with community values, even if not explicitly illegal. This includes circumventing rate limits, exploiting platform bugs, or attempting to reverse-engineer the service.

28. Business Continuity & Data Portability

In the event of a platform shutdown, Famlo will make reasonable efforts to provide advance notice and allow users to export their personal data or event participation history.

29. Data Use & Aggregation

Famlo may use de-identified or aggregated data to improve services, conduct platform research, or generate insights. Such data cannot be used to identify any individual and is not considered personal information under this policy.

30. Government Access

Unless compelled by law, Famlo does not share user content or communication logs with governmental agencies or third parties. Where required, we will notify the affected user unless legally prohibited from doing so.

31. Annual Review

Famlo commits to reviewing these Terms & Conditions at least annually to ensure continued transparency, fairness, and legal compliance.

32. Audit Rights

Famlo reserves the right to audit user compliance with these Terms, including but not limited to security practices, data handling procedures, and organizational use of the Platform, upon reasonable notice.

33. International Use and Export Compliance

Famlo makes no representation that the Platform is appropriate or available for use in locations outside the United States. You are responsible for compliance with all local laws and regulations, including U.S. export control laws and sanctions regulations.

34. API Access

Access to any Famlo API is subject to separate terms and technical limitations. Abuse of the API or circumvention of rate limits may result in immediate suspension.

35. Beta Features

From time to time, Famlo may offer preview or beta features. These features are provided “as-is” with no warranties and may be discontinued at any time without notice.

36. Feedback and Suggestions

Any feedback, suggestions, or ideas submitted to Famlo shall be considered non-confidential and may be used, implemented, or commercialized by Famlo without obligation or attribution.

37. Data Security Incidents

In the event of a data breach involving your personal information, Famlo will notify affected users within 30 days of discovering the breach, in accordance with Florida Statutes Section 501.171 and other applicable state and federal laws. We will also notify applicable state attorneys general as required by law.

Where legally required based on the nature of the data compromised, we will provide credit monitoring or identity protection services at no cost to affected users. We will describe the types of information involved and the steps taken to investigate and remediate the incident.

38. Educational Records Disclaimer (FERPA)

Famlo is not an educational agency or institution as defined by the Family Educational Rights and Privacy Act (FERPA, 20 U.S.C. § 1232g). The Platform does not maintain "education records" as defined by FERPA. Information provided by parents about their children's educational needs and preferences is stored as part of family profile data and is governed by our Privacy Policy, not FERPA.

39. Group Organizer Data Obligations

Group Organizers who receive personal data about families and children through the Platform (including health and medical information shared during event registration) agree to:

• Use such data only for the purpose of managing group activities, events, and ensuring participant safety
• Not share personal data with unauthorized third parties
• Delete or return member data upon request or when a member leaves the group
• Implement reasonable security measures to protect member data
• Notify Famlo promptly of any data security incident involving member data

Failure to comply with these obligations may result in suspension or termination of the Group Organizer's account and access to the Platform.

40. Automatic Renewal Disclosures

Two kinds of subscription on the Platform renew automatically. This Section applies to both, and the commitments below are the same for both.

• Group membership subscriptions — recurring dues a family pays an organization. For these, the organization is the merchant of record (Section 6A).
• Famlo Organization Subscriptions — the paid plans an organization buys from Famlo under Section 6A. For these, The Hive Network, LLC is the merchant of record.

A. Before you are charged

Before any recurring subscription begins, the automatic renewal terms — that the subscription continues until canceled, the amount and frequency of the recurring charge, the date of the first renewal, and how to cancel — are presented to you clearly and conspicuously, in a manner visually distinct from other terms and immediately before you provide payment information. Your affirmative consent to those terms is obtained separately from your agreement to these Terms generally, and no recurring charge is initiated without it. Promptly after you subscribe, we send you an acknowledgment by email restating the renewal terms and the cancellation instructions, in a form you can keep.

B. Renewal reminders

For every automatically renewing subscription, we will send a renewal reminder to the email address on the account. Each reminder states what the subscription is for, the renewal amount, the renewal date, the billing frequency, and how to cancel. We commit to the following cadence:

• Subscriptions renewing for a term of one year or longer: not less than 30 days and not more than 60 days before the renewal date.
• Monthly subscriptions: at least 3 days before each renewal date.
• Every subscription, in all cases: at least once in any 12-month period for as long as the subscription remains active.

C. Canceling

You may cancel any automatically renewing subscription online, at any time, without speaking to anyone. Cancellation is available in the same place and by the same means you used to subscribe: a family cancels group membership dues at Account → Subscriptions, and an organization cancels its Famlo plan from its plan settings or the billing portal linked from that page. No telephone call, retention conversation, chat session, or written notice is required, and we will not require you to navigate more steps to cancel than it took to subscribe. You may also cancel by emailing support@famlo.co. Cancellation stops all future charges and takes effect at the end of the billing period you have already paid for, which you keep the benefit of. Whether any amount is refunded is governed by the Refund Policy.

D. Changes to a recurring price

If the amount of a recurring charge changes, you will receive notice before the new amount is charged and an opportunity to cancel first. For Famlo Organization Subscriptions, that notice is at least 30 days in advance, as set out in Section 6A(F). For group membership dues, the organization sets the price and we will notify you of a change to your recurring amount before it takes effect.

E. State-specific rights

These commitments are made to all subscribers and are intended to meet or exceed the requirements of Section 501.165, Florida Statutes, the California Automatic Renewal Law (Business and Professions Code §§ 17600–17606), and comparable automatic renewal statutes in other states. Nothing in these Terms waives any right you have under the automatic renewal or consumer protection law of the state in which you reside, and where that law gives you a greater right than this Section does, that law controls.

41. Incorporated Policies

These Terms incorporate by reference all other platform policies, including:

• Privacy Policy
• Refund Policy
• Cookie Policy
• Acceptable Use Policy
• Data Deletion Policy

These policies form part of the legally binding agreement between you and Famlo.

These Terms & Conditions are effective as of August 22, 2026, and supersede version 1.3.0 of June 28, 2026. Prior versions are available on request. Continued use of Famlo after changes are made indicates your acceptance of the revised Terms.

For further inquiries, contact us at support@famlo.co .