Terms and privacy.
Last updated: November 6, 2026.
1. Who we are
These terms are an agreement between you and Fibuo LLC, a Wyoming limited liability company ("Fibuo", "we").
They cover every Fibuo website and product, including fibuo.com, fibuo.me, fibuo.company, fibuo.biz, fibuo.shop, fibuo.app, fibuo.info, fibuo.pro, fibuo.world and fibuo.xyz (the "Products").
2. Your account
Each Product has its own sign-up. Some Products work without an account.
You must be at least 18 and able to sign contracts. If you use Fibuo for a business, you confirm you can act for it.
Keep your login safe. You are responsible for what happens in your account.
3. What Fibuo is and isn't
Fibuo makes software and guides. Calculators, checklists, templates and articles give general information and estimates.
Fibuo is not a law firm, accounting firm, tax advisor, bank, money transmitter, customs broker or insurance agency. Nothing on Fibuo is legal, tax, financial or customs advice. Check important decisions with a licensed professional.
4. Getting paid and paying
To get paid by your customers you connect your own account with a payment service. That service processes the money under its own terms. Fibuo does not receive, hold or move your customers' money.
Fees for Fibuo's own plans and orders are charged by our payment processor. Prices are shown before you pay, in U.S. dollars unless stated otherwise. Taxes may be added where required.
5. Company formation and professional services
Some orders (for example a U.S. company on fibuo.company, or yearly filings) are carried out by independent, licensed providers that we work with. They are not Fibuo employees.
For most of these services you pay Fibuo and Fibuo pays the provider. Where the law requires it (for example legal services or insurance), you contract and pay the provider directly, and we tell you so before you order.
Government and state fees are passed through at cost and can't be refunded once filed. Approval times depend on government agencies.
6. Plans, renewals and refunds
Paid plans renew automatically each month or year until you cancel. You can cancel any time; the plan stays active until the end of the period you paid for.
Each Product shows its refund rules on its pricing page. If a service has not started, you can ask for a refund of Fibuo's fee within 14 days.
We may change prices. We tell you at least 30 days before a change affects your plan.
7. Your content
You keep ownership of what you upload or publish (pages, texts, images, documents). You give Fibuo permission to host, show and process it only to run the Products for you.
Some features use AI to draft text or pages from what you give us. Review what is generated before you publish it; you are responsible for what you publish.
8. Fair use
Don't use Fibuo for anything illegal, fraudulent or deceptive; to sell prohibited goods; to send spam; to copy or attack the Products; or to break other people's rights.
We may remove content or suspend an account that breaks these rules. When we can, we tell you first and give you a chance to fix it.
9. Partner links
Some guides and tools link to other companies (banks, shipping, software). We may earn a commission if you sign up. It doesn't change the price you pay, and we mark these links.
10. Responsibility
The Products are provided "as is". We work to keep them available and accurate, but we can't promise they will always be error-free or that a government agency or bank will approve you.
To the extent the law allows, Fibuo is not responsible for indirect losses, and our total responsibility is limited to what you paid Fibuo in the 12 months before the claim. Government fees and third-party charges are not included in that amount.
Nothing here limits rights you have under consumer laws that can't be waived.
11. Ending the agreement
You can close your account at any time. We may close accounts that break these terms. When an account is closed you can download your data for 30 days, unless the law prevents it.
12. Law and disputes
These terms are governed by the laws of the State of Wyoming, U.S.A. Before any claim, write to us and we will try to solve it within 30 days.
If you live in a country whose laws give you the right to go to your local courts, you keep that right.
13. Privacy: what we collect
What you enter in our forms and Products: for example your email, name, the details of an order or a question, and the content you create.
Basic technical data needed to run the websites, such as server logs with IP addresses.
Your language choice, saved in your browser so the site opens in the language you picked. Fibuo does not use advertising cookies.
14. Privacy: how we use it and who processes it
We use your data to run the Products, reply to you, process your orders and send the emails you asked for. Fibuo does not sell your personal data.
Service providers process data for us under their own security terms: website hosting and forms (Netlify), databases for fibuo.me (Supabase), payments (Stripe) and email delivery. Independent providers that carry out an order receive only what they need for it.
15. Privacy: your choices
You can ask to see, correct, export or delete your personal data, and you can unsubscribe from any email. We keep data while your account is active or as long as the law requires.
16. Changes and contact
We may update these terms. If a change is important, we tell you by email or in your account before it applies.
Questions: legal@fibuo.com