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Terms of Service — Hugo

Last updated: July 21, 2026

1. Introductory provisions

1.1. These terms of service (the "Terms") govern the mutual rights and obligations between

RevOps Labs s.r.o., Company ID (IČO): 21705534, VAT ID (DIČ): CZ21705534, registered office at Hlaváčkova 1334/19, Košíře, 150 00 Prague, Czech Republic, registered with the Municipal Court in Prague, file no. C 405326 (the "Provider"),

and the individual or legal entity using the Hugo service available at meethugo.co (the "User"), arising in connection with the use of an online personal finance tracking service (the "Service").

1.2. By registering an account or using the Service, the User agrees to these Terms.

1.3. If the User is a consumer within the meaning of Section 419 of the Czech Civil Code, these Terms are also governed by the relevant provisions of Act No. 89/2012 Coll., the Civil Code, and Act No. 634/1992 Coll., on Consumer Protection, as amended.

2. Description of the Service

2.1. Hugo is a tool for personal finance tracking and overview — it lets the User manually record balances of financial products, physical assets, liabilities, income and expenses, and track net worth over time, including optional AI-generated text insights.

2.2. The Service does not connect to the User's bank accounts and does not automatically retrieve any data from banks — all financial data is entered manually by the User, who is solely responsible for its accuracy and currency.

2.3. Hugo is not investment, financial, tax, or legal advice and does not replace consultation with a licensed financial advisor, tax advisor, or attorney. All outputs of the Service, including AI-generated insights, are for informational and indicative purposes only. The Provider is not liable for decisions the User makes based on data or insights shown in the Service.

2.4. The Provider does not guarantee uninterrupted availability of the Service and reserves the right to temporarily limit it for maintenance or technical reasons.

3. Registration and user account

3.1. The Service is intended for individuals aged 18 and older. By registering, the User confirms they meet this requirement.

3.2. The User must provide accurate information at registration and protect their login credentials from misuse by third parties. The User is responsible for all activity under their account, unless they can show the account was misused through no fault of their own.

3.3. One user account is intended for one individual; sharing login credentials with third parties is not permitted.

4. Plans, subscriptions, and payments

4.1. The Service is offered in a free plan (Free) and a paid plan (Premium) with extended functionality. The current scope and price of each plan are published at meethugo.co or within the Service itself.

4.2. Payments for the Premium plan are processed through a third-party payment provider (Stripe). By activating a paid subscription, the User agrees to that provider's terms.

4.3. Subscriptions are billed monthly or annually and renew automatically under the same terms unless cancelled by the User before the end of the billing period. Cancellation can be done through self-service account settings.

4.4. Prices include VAT where the Provider is a VAT payer at the time of billing.

4.5. The Provider may grant the User a time-limited trial of the Premium plan. Upon expiry, the account automatically reverts to the Free plan unless the User actively subscribes.

5. Right of withdrawal (consumers)

5.1. If the User is a consumer who entered into the contract with the Provider by distance means, they have the right to withdraw from the contract without giving a reason within 14 days of its conclusion, in accordance with Section 1829 of the Civil Code.

5.2. The User acknowledges that, in accordance with Section 1837(l) of the Civil Code, the right of withdrawal is lost if the User expressly requested delivery of digital content/services before the withdrawal period expired when activating a paid plan, and the Provider informed them beforehand that doing so would cause them to lose the right of withdrawal. This acknowledgment must be given by the User through a separate confirmation when activating a paid plan.

5.3. If the User did not give the acknowledgment under Section 5.2, they may withdraw under Section 5.1 by sending an unambiguous statement to support@meethugo.co, or by using the model withdrawal form in Annex 1 to these Terms. In that case, the Provider will refund payments received without undue delay, and no later than 14 days from withdrawal, but may deduct a proportional amount corresponding to services already provided if the User expressly requested performance before the withdrawal period expired.

6. Subscription cancellation and account termination

6.1. The User may cancel a paid subscription at any time via self-service account settings; access to Premium features continues until the end of the already-paid period.

6.2. Deletion of an entire user account and associated data is currently handled by the Provider upon request sent to support@meethugo.co. Requests are processed in accordance with the timelines set out in the Privacy Policy.

6.3. The Provider may suspend or terminate a User's account for material breach of these Terms, in particular misuse of the Service, attempted unauthorized access to other users' data, or unlawful conduct.

7. Complaints procedure

7.1. If the User discovers a defect in the Service (e.g. a malfunctioning paid feature), they may raise a complaint at support@meethugo.co describing the defect.

7.2. If the User is a consumer, the Provider will resolve the complaint, including remedying the defect, within 30 days of it being raised, unless the parties agree on a longer period.

7.3. The Czech Trade Inspection Authority (Česká obchodní inspekce), Štěpánská 567/15, 120 00 Prague 2, Company ID: 000 20 869, www.coi.cz, is competent for out-of-court resolution of consumer disputes arising in connection with the Service. Users residing in another EU member state may also contact an equivalent alternative dispute resolution body in their own country.

8. Liability for damages

8.1. The Provider is liable for damage caused to the User to the extent required by mandatory consumer-protection law. To the extent permitted by law, the Provider is not liable for:

8.2. Toward business users, the Provider's total liability for damage arising in connection with the Service is limited to the amount paid by the User for the subscription in the preceding 12 months.

9. Intellectual property

9.1. All software, design, trademarks, and content of the Service are protected by intellectual property rights belonging to the Provider or its licensors. The User is granted a non-exclusive, non-transferable license to use the Service solely for their personal, or internal, use.

9.2. Data the User enters into the Service remains their property; the Provider is authorized to process it solely for the purpose of providing the Service, in accordance with the Privacy Policy.

10. Data protection and cookies

Processing of personal data and the use of cookies in connection with the Service is governed by the separate Privacy Policy and Cookie Policy, which forms an integral part of the relationship between the Provider and the User.

11. Changes to these Terms

The Provider may unilaterally amend these Terms. The User will be notified of a material change by email or an in-Service notice at least 15 days before it takes effect. By continuing to use the Service after a change takes effect, the User accepts the change; if they do not agree, they may cancel their subscription and stop using the Service.

12. Governing law and dispute resolution

12.1. These Terms and all relationships arising from them are governed by the laws of the Czech Republic.

12.2. If the User is a consumer residing in another EU member state, this choice of law does not deprive them of the protection afforded by mandatory provisions of the law of their country of residence that cannot be excluded by agreement.

12.3. The courts of the Czech Republic have jurisdiction to resolve disputes.

13. Final provisions

13.1. If any provision of these Terms is invalid or unenforceable, this shall not affect the validity of the remaining provisions.

13.2. These Terms take effect on July 21, 2026.

Annex 1 — Model withdrawal form

(complete and send this form only if you wish to withdraw from the contract, and only if the Service has not yet been provided to you with consent under Section 5.2)

To: RevOps Labs s.r.o., Hlaváčkova 1334/19, Košíře, 150 00 Prague, Czech Republic, support@meethugo.co

I hereby give notice that I withdraw from the contract for the provision of the Hugo service.