Terms of Service

01Acceptance of Terms

By accessing or using CleoApps.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"), our Privacy Policy, and all applicable laws and regulations. If you do not agree with any part of these Terms, please do not use the Site.

These Terms apply to all visitors, users, and others who access or use the Site, including those who submit applications through our partner loan form.

02About CleoApps.com

CleoApps.com is an independent editorial review website that publishes reviews, comparisons, and educational content about the Cleo App, cash advance apps, AI budgeting tools, and related personal finance products targeted at US consumers.

03Eligibility

To use CleoApps.com, you must:

• Be at least 18 years old (or the age of majority in your jurisdiction).
• Be a resident of the United States.
• Have the legal capacity to enter into a binding agreement.
• Not be barred from using the Site under applicable law.

If you submit a loan application through our partner form, additional eligibility requirements set by lenders and APIdiamond will apply.

04Use License

CleoApps.com grants you a limited, non-exclusive, non-transferable, revocable license to access and use the Site for personal, non-commercial purposes. You may:

• View, read, and print pages for personal reference.
• Share links to our articles via social media or email.
• Quote brief excerpts with proper attribution and a link back to the source page.

You may not:

• Reproduce, republish, or redistribute substantial portions of our content without written permission.
• Modify, adapt, or create derivative works from our content.
• Use our content for commercial purposes without permission.
• Use automated systems (bots, scrapers) to access the Site beyond what's allowed in our robots.txt.

05Prohibited Conduct

When using CleoApps.com, you agree not to:

• Submit false, misleading, or fraudulent information through any form.
• Impersonate any person or entity, or misrepresent your affiliation with anyone.
• Use the Site to harm minors, harass, or stalk others.
• Transmit viruses, malware, or any malicious code.
• Attempt to gain unauthorized access to any portion of the Site or its underlying systems.
• Interfere with or disrupt the Site's functionality, servers, or networks.
• Use the Site in violation of any applicable laws or regulations.
• Collect personal information about other visitors.

06Editorial Independence

Our reviews, ratings, and recommendations reflect the independent editorial judgment of the CleoApps.com team. While we may receive affiliate commissions when readers click certain links, these arrangements do not influence our scoring methodology or editorial conclusions.

We:

• Test products personally over multiple billing cycles where applicable.
• Verify all financial claims against primary sources (FTC, CFPB, FDIC, official documentation).
• Update reviews quarterly to reflect current pricing and features.
• Disclose any conflicts of interest transparently.

07Affiliate Disclosure

CleoApps.com participates in affiliate marketing programs. When you click certain links or submit forms on our Site, we may receive compensation from third parties. This compensation may influence which products we feature but does not influence:

• Our editorial ratings or rankings.
• The accuracy of product information.
• The honesty of pros and cons listed.

This disclosure is provided in accordance with the Federal Trade Commission's 16 CFR Part 255: "Guides Concerning the Use of Endorsements and Testimonials in Advertising."

08Third-Party Products & Services

CleoApps.com reviews and links to third-party financial products including the Cleo App and similar services. We do not:

• Operate, control, or guarantee any third-party product or service.
• Process loan applications or extend credit.
• Set the rates, terms, or eligibility criteria for any product reviewed.
• Warrant the accuracy of product information as terms change frequently — always verify with the provider before making decisions.

Your use of any third-party product is governed solely by the agreement between you and that provider. We are not a party to that relationship and are not responsible for any aspect of it.

09Intellectual Property

All original content on CleoApps.com — including text, graphics, logos, images, charts, calculators, and editorial methodology — is owned by CleoApps.com or our content creators and is protected by United States and international copyright, trademark, and other intellectual property laws.

"Cleo," "Cleo App," and related marks are trademarks of Cleo AI Ltd. and are used for descriptive editorial reference only. Other product names mentioned are property of their respective owners.

10Disclaimers

THE SITE AND ALL CONTENT ARE PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. To the fullest extent permitted by law, CleoApps.com disclaims all warranties including:

• Merchantability and fitness for a particular purpose.
• Non-infringement of intellectual property rights.
• Accuracy, completeness, or timeliness of information.
• Uninterrupted, secure, or error-free operation of the Site.

11Limitation of Liability

To the maximum extent permitted by applicable law, CleoApps.com, its operators, employees, and affiliates shall not be liable for any:

• Indirect, incidental, special, consequential, or punitive damages.
• Loss of profits, revenue, data, or business opportunity.
• Damages arising from your use of or inability to use the Site.
• Damages arising from third-party products or services reviewed or linked from the Site.
• Damages from unauthorized access to your data despite our security measures.

Our total cumulative liability for any claim shall not exceed one hundred US dollars ($100) or the amount you paid us (if any) in the twelve months preceding the claim — whichever is greater.

12Indemnification

You agree to indemnify, defend, and hold harmless CleoApps.com, its operators, employees, and affiliates from any claims, damages, losses, liabilities, costs, or expenses (including reasonable attorneys' fees) arising from:

• Your use of or access to the Site.
• Your violation of these Terms.
• Your violation of any third-party right including intellectual property or privacy rights.
• Any false or misleading information you submit.

13Governing Law & Dispute Resolution

These Terms are governed by the laws of the State of Delaware, United States, without regard to its conflict of law principles.

Any dispute arising from these Terms or your use of CleoApps.com shall be resolved through binding arbitration administered by the American Arbitration Association in accordance with its Consumer Arbitration Rules, except where prohibited by law. You waive any right to participate in class action lawsuits or class-wide arbitration.

14Changes to These Terms

We reserve the right to modify these Terms at any time. When we make material changes, we will:

• Update the "Last Updated" date at the top of this page.
• Post the revised Terms on this page.
• Where required by law, provide additional notice through the Site.

Your continued use of CleoApps.com after the effective date of revised Terms constitutes acceptance. If you do not agree, you must discontinue use of the Site.

15Contact Us

For questions or concerns about these Terms of Service, please contact us: