Last updated:  |  Version 2.0

Terms of Service — INSIGNIAVIF Boutme

By accessing and using this WebApp and creating an account, you agree to be bound by these Terms and Conditions of Use, all applicable laws and regulations, and acknowledge your sole responsibility for compliance with any applicable local laws. If you do not agree with any of these terms, you are expressly prohibited from using or accessing this WebApp.

1. Use License

1. Permission is granted for the personal use of the WebApp with the Smart Card function. This constitutes a limited, non-exclusive, non-transferable, revocable license, and is not a transfer of title. Under this license, you may not:
   1. modify, copy, reproduce, or distribute the materials;
   2. attempt to decompile or reverse engineer any software on INSIGNIAVIF.COM;
   3. remove any copyright or proprietary notations from the materials; or
   4. transfer the materials to another person or mirror them on any server without written consent.
2. This license terminates immediately if you violate any restriction. INSIGNIAVIF Boutme reserves the right to terminate your access at any time, for any reason, without notice.

2. Third-Party Integrations and Data Sharing

INSIGNIAVIF Boutme integrates the following third-party services to provide its features. By using the WebApp, you acknowledge and consent to data being shared with these providers as described below. Each provider's privacy policy governs their use of your data.

2.1 Google Services (Google Calendar API & Google Drive API)

We integrate with Google Calendar to enable appointment scheduling and synchronization through the Appointments (Apts) module, and with Google Drive to enable external cloud storage options through the Cloud Storage plugin.

Scopes requested:

• https://www.googleapis.com/auth/calendar — Full access to read, create, update, and delete events on your Google Calendar, solely to synchronize appointments you create within the Boutme Apts module.
• https://www.googleapis.com/auth/drive.file — Access to view, edit, create, and delete only the specific files and folders that you choose to open, upload, or create using this app, solely to manage files in your linked Google Drive account through the Cloud Storage plugin.
• https://www.googleapis.com/auth/userinfo.email — Access to view your primary Google account email address, solely to identify and display which Google account is connected to the Cloud Storage plugin.

Google API Services User Data Policy — Limited Use Disclosure:
The use and transfer of information received from Google APIs to any other app will adhere to the Google API Services User Data Policy , including the Limited Use requirements. Specifically:

• We only use Google user data to provide the calendar synchronization and cloud storage features you explicitly activate.
• We do not use Google user data for advertising, selling, or sharing with third parties beyond what is necessary to operate these features.
• We do not use Google user data for any purpose unrelated to the calendar sync or cloud storage features.
• We do not allow humans to read your Google data unless you have given us explicit permission, it is necessary for security purposes, or we are required to do so by law.
• Google account data (access tokens, refresh tokens, and linked email address) is stored encrypted in our database and used solely to maintain your calendar and Google Drive connections.
• You may revoke access at any time by disconnecting Google Calendar or Google Drive from your Boutme account settings or through your Google Account permissions page .

Data shared with Google: appointment titles, dates, times, and descriptions (for the Apts module), and files/documents/metadata you choose to upload (for the Cloud Storage plugin). Google's privacy policy applies to data processed by their services: https://policies.google.com/privacy .

2.2 Plaid (Bank Account Connectivity)

We use Plaid Inc. to enable bank account connectivity through the Cashflow module. Plaid allows you to securely link your bank or financial institution to import and categorize your transactions.

Data collected and shared with Plaid:

• Bank account credentials (entered directly into Plaid's secure interface — never seen or stored by INSIGNIAVIF Boutme).
• Account information: account numbers (masked), institution name, account type and balance.
• Transaction data: date, amount, merchant name, and transaction category, used solely to display your cashflow within the app.

How we handle Plaid data:

• Your bank credentials are never transmitted to or stored on our servers; they are entered directly into Plaid's encrypted interface.
• Plaid access tokens (used to retrieve your transaction data) are stored encrypted in our database using AES-256 encryption.
• Transaction data imported via Plaid is stored in your Boutme account and is not shared with any third party other than Plaid.
• We use Plaid solely to retrieve and display your financial data within the app — we do not sell or share this data.
• You may disconnect your bank at any time through the Cashflow module settings, which will revoke our access and delete your stored tokens.

Plaid's privacy policy: https://plaid.com/legal/#privacy-policy . Plaid's end user privacy policy: https://plaid.com/legal/#end-user-privacy-policy .

2.3 Stripe (Payment Processing)

INSIGNIAVIF Boutme uses Stripe, Inc. as a payment processor for transactions made through the Reservations and Store modules.

Data shared with Stripe:

• Payment card information (processed directly by Stripe — never stored on our servers).
• Transaction amount, currency, and description.
• Customer name and email address for payment receipts.
• Stripe public and private API keys are configured by each merchant (Boutme user) within their own account settings and are stored encrypted.

INSIGNIAVIF Boutme is a platform provider — each merchant using the Reservations module configures their own Stripe account. Card payment data is processed directly between the end user's browser and Stripe's servers via Stripe.js; INSIGNIAVIF Boutme never handles raw card data.

Stripe's privacy policy: https://stripe.com/privacy .

2.4 Square (Point of Sale & Transaction Import)

We integrate with Square, Inc. to allow merchants to import their Square sales data into the Cashflow module for financial tracking and reporting.

Data collected and shared with Square:

• Square OAuth tokens (used to retrieve sales data on your behalf).
• Transaction data: sale amounts, dates, item descriptions, and payment methods, used solely to populate your Cashflow dashboard.
• Square merchant account identifiers.

How we handle Square data:

• Square OAuth credentials are stored encrypted in our database.
• Transaction data imported from Square is stored in your Boutme account only and is not shared with any third party.
• We access your Square data only to perform the import you explicitly request.
• You may disconnect Square at any time through the Cashflow module settings.

Square's privacy policy: https://squareup.com/us/en/legal/general/privacy .

2.5 Meta / Instagram Services (Instagram Graph API)

We integrate with Meta's Instagram Graph API to enable social media management features through the Instagram Integration plugin. This allows the VITK AI assistant to interact with your Instagram Business or Creator account at your explicit request.

Data collected and how it is used:

• Instagram Media & Public Profile: We access your account username, profile ID, and recent media posts/reels (including caption, timestamp, permalink, like count, and comment count) solely to display them to you and allow the AI assistant to reference them.
• Comments and Replies: We retrieve comments on your recent posts so that you can view them in the chat, and we allow the AI assistant to publish replies to specific comments in your name only when you explicitly instruct it to do so.
• Direct Messages (DMs): We retrieve conversations and messages in your Instagram inbox so you can view them, and we allow the AI assistant to send direct messages on your behalf solely when you explicitly request it. We never send messages or replies automatically.

How we handle Instagram data and how to disconnect:

• Your Instagram access tokens are stored securely and encrypted in our database.
• How to Disconnect: You can completely disconnect your Instagram account at any time by going to the Integrations page in your Boutme dashboard and clicking the "Disconnect" button next to the Instagram integration. This will immediately and permanently delete your Instagram access tokens and all related connection data from our servers.
• You can also revoke this app's permissions at any time directly through your Instagram/Facebook account settings.

2.6 Artificial Intelligence Providers

Our WebApp integrates and utilizes various third-party artificial intelligence tools and large language models (LLMs), including but not limited to those provided by Google (Gemini), Pollinations AI, OpenAI, Z.ai (GLM), Groq, and NVIDIA. These are used to power features such as the AI card builder, AI tips, and content generation tools.

You acknowledge and expressly agree that:

• Any information or content you input into AI-powered features may be transmitted to and processed by these third-party AI providers on their servers.
• INSIGNIAVIF Boutme explicitly disclaims any and all responsibility for the privacy, security, or accuracy of your data once transmitted to these providers.
• Such data may be used by AI providers for model training or improvement as defined in their respective terms of service, over which INSIGNIAVIF Boutme has no control.
• Do not input sensitive personal, financial, or confidential information into AI-powered features.

2.7 Intuit QuickBooks Online (Accounting & Cashflow Integration)

We integrate with Intuit Inc.'s QuickBooks Online API to allow users to synchronize their accounting records, profit and loss statements, customer invoices, vendor bills, and expenses with the Cashflow module and enable conversational financial insights via the AI assistant.

Independent Application Disclaimer:

INSIGNIAVIF Boutme is an independent software application developed and maintained by INSIGNIAVIF. Boutme is not affiliated with, sponsored by, or endorsed by Intuit Inc. QuickBooks and Intuit are registered trademarks and service marks of Intuit Inc., registered in the United States and other countries.

Data Collected and Access Scopes:

• Accounting Data: When you connect your QuickBooks account, you authorize Boutme to access company profile information, chart of accounts, expenses/purchases, customer invoices, vendor bills, and payments solely to display them in your Cashflow dashboard and calculate cash flow metrics.
• OAuth 2.0 Credentials: Access and refresh tokens returned by Intuit are stored in our database using AES-256 encryption. We never request, receive, or store your Intuit account password or credentials.

Data Ownership, No Resale, and Privacy Safeguards:

• Your QuickBooks financial data remains your exclusive property.
• We use your QuickBooks data solely to provide the services you explicitly request within the WebApp. We do not sell, rent, license, or transfer your QuickBooks data to third parties, advertising networks, or data brokers.
• QuickBooks financial data is never used to train generalized or public artificial intelligence models.

Disconnection and Token Revocation:

• You can disconnect QuickBooks at any time directly through the Integrations page by clicking "Disconnect" next to QuickBooks. This immediately and permanently deletes your stored OAuth tokens from our servers.
• You can also revoke Boutme's access directly at any time from your Intuit Account Security / Connected Apps settings.

Financial and Accounting Disclaimer:

Boutme and its AI assistants provide bookkeeping synchronization and cash flow estimations for operational and informational purposes only. Boutme is not a certified public accountant (CPA), certified financial planner, or tax advisory service. You are solely responsible for reviewing and verifying the accuracy of all financial reports, deductions, and tax obligations before filing.

Intuit's privacy statement: https://www.intuit.com/privacy/statement/ .

2A. Phone Notification Access (Android App)

The Boutme Android app can, only if you turn it on, let your Boutme AI agent read the notifications that arrive on your phone so it can summarize them, tell you who wrote to you, and help you act on them. By connecting this feature you agree to the following:

• Optional and revocable. The feature only works after you grant "Notification access" to Boutme in your Android settings; the app shows you this disclosure first. You can revoke it at any time in Settings → Notifications → Notification access, and the app stops sending new notifications.
• What is read. The app name, sender or conversation name, and the text of notifications that arrive after you connect, from a list of messaging, email and social apps that Boutme defines and enforces on its servers (it can change with app updates). We try to filter out notifications that look like verification codes, PINs or password and banking alerts, on your phone and again on our server, so they are not stored; no filter is perfect, so do not rely on it for highly sensitive content.
• How it is used. Only to answer requests you make to your agent (for example "summarize my notifications"). The text may be processed by the AI providers listed in our Privacy Policy to produce the answer, and the answer itself (which can include content from your notifications) is saved in your conversation with the agent like any other message, until you delete it. It is not used for advertising, is not sold, and is not shared with anyone else.
• Retention. Notifications are stored for a maximum of 7 days and then deleted automatically. You can ask your agent at any time to delete them immediately.
• Replies. Reading a notification does not send anything. If you ask the agent to reply to someone, it does so through an integration you connected (for example Instagram, WhatsApp or email) and you remain responsible for messages sent in your name. Review what your agent writes before it is sent.
• Other people's messages. Notifications can contain messages written by other people. You are responsible for connecting this feature only on a phone you own and for using the information in compliance with the law and the privacy of the people who wrote to you. Do not connect it on a shared or borrowed device.
• No guarantee of completeness. Android may delay, group or drop notifications (for example under battery-saving modes), so the agent may not see every notification.

2B. Phone Actions (Android App)

The Boutme Android app can also, only if you grant each permission, let your Boutme AI agent act on your phone when you ask: look up a contact, start a phone call, prepare a text message, open directions or music, read your calendar or create an event. You agree that:

• You ask, it acts. The agent uses these only to carry out a request you make, and asks you in the chat before it prepares a call or a message in your name. You are responsible for calls, messages and events made with your phone, and for checking the name, number and text before you press call or Send.
• Calls and texts are prepared, not made. The agent opens your phone's dialer with the number ready, or your messages app with the text ready; nothing is dialed or sent until you press call or Send yourself.
• Each permission is separate and revocable. Contacts and calendar are each requested on their own and can be turned off at any time in your Android settings. Boutme does not read your call history or your existing text messages.
• Only on Android. These actions run only through the Boutme Android app while it is available on your phone. On iPhone, iPad and computers the agent can still give you links for directions, music, calls and messages, but cannot act on the phone itself. Android may require you to tap a notification to let an action open on the screen.

3. Payment Processing and Financial Data

INSIGNIAVIF Boutme acts as a software platform; it does not directly process, store, or have access to your raw payment card numbers. All card transactions are processed by PCI-DSS compliant third-party payment processors (Stripe, Square). You agree to the terms and conditions of these processors when you use payment features within the platform.

For the Cashflow module, financial transaction data retrieved from your bank via Plaid or from Square is used exclusively within your Boutme account for the purpose of financial tracking and reporting. This data is not used for advertising, scoring, resale, or any other purpose beyond the service you explicitly activated.

4. Data Retention and Deletion

• Your account data is retained for as long as your account is active.
• Connected third-party service tokens (Google, Plaid, Square) are deleted from our servers immediately upon disconnection of those services from your account.
• To permanently delete your account and all associated data, send an email to contact@insigniavif.com with the subject: "Delete Account" and your email or Card Code.
• Upon account deletion, we will remove your personal data within 30 days and revoke all third-party access tokens associated with your account.

5. Limitations of Liability

In no event shall INSIGNIAVIF Boutme or its suppliers, directors, employees, agents, or affiliates be liable for any direct, indirect, incidental, special, consequential, or punitive damages (including loss of data or profit, or business interruption) arising out of the use or inability to use this WebApp, even if notified of such possibility. This limitation applies regardless of the legal theory — contract, tort, strict liability, or otherwise.

INSIGNIAVIF Boutme is not responsible for: (a) inaccuracies or errors in AI-generated content; (b) data processed by third-party services (Google, Plaid, Stripe, Square, AI providers) in accordance with their own policies; or (c) content published by users on their public TAPCARD.

6. Security

We implement reasonable technical and organizational measures to protect your data, including encrypted storage of third-party API tokens and access tokens (AES-256), HTTPS/TLS encryption for all data transmission, and access controls on our systems. However, no system is completely secure, and we cannot guarantee absolute security. In the event of a data breach affecting your data, we will notify you as required by applicable law.

7. Cookies

We use cookies and similar technologies to maintain your session, remember your preferences, and improve the WebApp. By clicking "Accept Terms" or continuing to use the WebApp, you consent to our use of cookies. Third-party services integrated into the WebApp (Google, Stripe, etc.) may also set their own cookies subject to their respective privacy policies.

8. Waiver, Indemnification, and Assumption of Risk

Waiver and Release: By accepting these Terms, you expressly acknowledge and irrevocably agree to waive, release, and forever discharge INSIGNIAVIF Boutme, its parent companies, subsidiaries, affiliates, officers, directors, employees, agents, contractors, and licensors from any and all claims, demands, liabilities, damages, costs, and expenses, whether known or unknown, arising out of or in any way related to your use of this WebApp, including but not limited to the use of AI functionalities, any loss or leakage of data, privacy breaches, or service interruptions. This waiver applies to the fullest extent permitted by applicable law.

Indemnification: You agree to indemnify, defend, and hold harmless INSIGNIAVIF Boutme and its affiliates from and against any and all claims, liabilities, damages, losses, costs, and expenses (including reasonable attorneys' fees) arising out of or in connection with: (i) your use of the WebApp; (ii) your violation of these Terms; (iii) your violation of any third-party rights; (iv) any content you submit or publish; or (v) any dispute between you and any third party.

Assumption of Risk: You understand that your use of the WebApp, including AI-powered features and third-party financial integrations, involves inherent risks, and you voluntarily assume all such risks.

9. Governing Law and Jurisdiction

Any claim relating to INSIGNIAVIF Boutme WebApp shall be governed by the laws of the United States without regard to its conflict of law provisions. You irrevocably agree that the exclusive jurisdiction for any dispute arising out of or relating to these Terms shall be in the state and federal courts of the applicable jurisdiction.

10. Revisions and Updates

INSIGNIAVIF Boutme may revise these Terms at any time without prior notice. By continuing to use the WebApp after any revision, you agree to be bound by the then-current version. It is your responsibility to review these Terms periodically. Material changes to data sharing practices will be communicated by updating the "Last updated" date above and, where required by applicable law, by direct notification.

11. Contact

For questions about these Terms or our data practices, contact us at:
contact@insigniavif.com
INSIGNIAVIF Boutme — https://insigniavif.com

Last updated:

Privacy Policy

Your privacy is of utmost importance to us. This Privacy Policy explains how INSIGNIAVIF Boutme collects, uses, shares, and protects your personal information.

1. Information We Collect

• Account information: name, last name, email address, and phone number, collected when you register.
• Card data: professional information you add to your Boutme card (photo, job title, address, links, etc.).
• Financial data (Cashflow module): bank transaction data retrieved via Plaid, Square sales data, and/or QuickBooks Online accounting records (invoices, bills, purchases, and chart of accounts), stored solely in your account for your personal financial tracking and AI assistance.
• Calendar data (Apts module): appointment information synchronized with your Google Calendar upon your explicit authorization.
• Cloud data (Cloud Storage plugin): files, documents, and associated metadata (such as file name, size, type, and Google Drive file ID) that you choose to store locally or on your linked Google Drive account.
• Payment data (Reservations/Store): transaction records (amounts, dates) processed by Stripe or Square; raw card numbers are never stored by us.
• Phone notifications (Android app, optional): if you enable notification access, the app name, sender or conversation name, message text and time of notifications received on your phone from a limited list of messaging, email and social apps. See Phone Notification Data below.
• Usage data: log data such as IP address, browser type, and pages visited, used for security and performance monitoring.

2. How We Use Your Information

• To operate and provide the features of the WebApp you activate.
• To send transactional emails (account activation, appointment confirmations, password recovery).
• To send marketing emails about new features and updates (your email may appear in group marketing communications; see opt-out below).
• To maintain security and prevent fraud.
• We do not sell your personal or financial data to third parties.
• We do not use your data for advertising purposes beyond our own product updates.

3. With Whom We Share Your Data

We share your data only with the following categories of third parties, and only to the extent necessary to provide the feature you have activated:

• Google LLC — Calendar synchronization (Apts module) and Cloud storage integration (Cloud Storage plugin). Data shared: appointment events you create, and files/metadata you choose to upload to Google Drive. Governed by Google's Privacy Policy. Use of Google data complies with the Google API Services User Data Policy , including Limited Use requirements.
• Intuit Inc. (QuickBooks Online) — Accounting, expense, and profit & loss synchronization (Cashflow module and AI assistant). Data accessed: company profile, chart of accounts, customer invoices, vendor bills, payments, and purchases. Governed by Intuit's Global Privacy Statement.
• Plaid Inc. — Bank connectivity (Cashflow module). Data shared: bank institution name and transaction data you choose to import. Governed by Plaid's Privacy Policy.
• Stripe, Inc. — Payment processing (Reservations/Store module). Data shared: transaction amount, currency, customer name/email. Governed by Stripe's Privacy Policy.
• Square, Inc. — Sales import (Cashflow module). Data shared: sales transaction data you import. Governed by Square's Privacy Policy.
• AI Providers (Google Gemini, Pollinations AI, OpenAI, Z.ai, Groq, NVIDIA) — Content generation and your Boutme AI agent. Data shared: text prompts and content you enter into AI tools, and the content the agent needs to answer you (including, when you ask it to, notifications, contacts or calendar events from your phone). Each provider's terms apply.
• Hosting infrastructure (Hostinger) — Our servers are hosted by Hostinger. Data is stored on servers in accordance with their security standards.
• Law enforcement / legal process — We may disclose data when required by law, court order, or to protect rights, property, or safety.

We do not share your data with any other third parties not listed above.

4. Google API Data — Limited Use Policy

5. Intuit QuickBooks Online Data — Protection & Disconnection Policy

5A. Phone Notification Data (Android App)

5B. Phone Actions Data — Contacts and Calendar (Android App)

6. Your Rights and Choices

• Access and correction: You can view and update your profile information directly within the WebApp settings.
• Disconnect integrations: You can disconnect Google Calendar, Google Drive, QuickBooks Online, Plaid, or Square at any time through the Integrations or relevant module settings. This will revoke our access and immediately delete your stored tokens.
• Phone notifications: You can turn off notification access for Boutme in your Android settings at any time, and ask your agent to delete the notifications stored from your phone.
• Marketing opt-out: To remove your email from marketing communications, send an email to contact@insigniavif.com with the subject "Email privacy" and your Card Code.
• Account deletion: To delete your account and all associated data, email contact@insigniavif.com with the subject "Delete Account" and your email or Card Code. We will process your request within 30 days.

7. Data Retention

We retain your personal information for as long as your account is active. Third-party service tokens (Google, Intuit QuickBooks, Plaid, Square) are deleted immediately upon disconnection of the service. Notifications received from your phone (Android app, if you enable it) are kept for a maximum of 7 days and then deleted automatically. Upon account deletion, all personal data is removed within 30 days. Anonymized or aggregated data may be retained for statistical purposes.

8. Security

We protect your information through reasonable security safeguards including: encrypted storage of sensitive tokens (AES-256), HTTPS/TLS for all data transmission, and access controls on our databases. No security system is impenetrable, and we cannot guarantee absolute security of your data.

9. Children's Privacy

The WebApp is not directed to children under 13, and we do not knowingly collect personal data from children under 13.

10. Changes to This Privacy Policy

We may update this Privacy Policy periodically. Material changes affecting data sharing will be communicated via email or an in-app banner.

11. Contact Us

For questions, concerns, or requests related to your personal data or this Privacy Policy, contact us at:

INSIGNIAVIF Boutme
Email: contact@insigniavif.com
Website: https://boutme.cards