Terms and Conditions, Gutsy Ltd

Effective Date: April 6, 2026 · Version 1.0

1. Introduction and Acceptance

1.1. These Terms and Conditions ("Terms") govern your access to and use of the Just Gutsy mobile application (the "App") and related services (collectively, the "Services") operated by GUTSY LTD, a company incorporated in England and Wales under company number

1.1. These Terms and Conditions ("Terms") govern your access to and use of the Just Gutsy mobile application (the "App") and related services (collectively, the "Services") operated by GUTSY LTD, a company incorporated in England and Wales under company number 16761444, whose registered office is at 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ ("Company", "we", "us", "our").

, whose registered office is at 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ ("Company", "we", "us", "our").

1.2. By creating an account, accessing, or using our Services, you confirm that you:

  • a) Are at least 18 years old;
  • b) Have the legal capacity to enter into a binding agreement;
  • c) Agree to be bound by these Terms, which form a legally binding contract between you and us; and
  • d) Have read and agree to our Privacy Policy, Cookies Policy, and Community Guidelines.

1.3. If you do not agree to these Terms, you must not access or use the App and related services.

2. Our Services: A Platform for Connection

2.1. The App is a technology platform designed to help adult users connect with each other. Our Services enable users to create profiles, discover other users, and organise or join in-person interactions ("Meetups"), which may include trips, activities, or other in-person interactions.

2.2. Important Disclaimers about Our Role. We provide the platform to facilitate these connections, but we are not a travel agency, tour operator, or event organiser. We do not organise, host, supervise, or control Meetups or any offline interactions between users. You acknowledge and agree that:

  • a) We Do Not Supervise Interactions. We do not organise, supervise, or control Meetups or any other offline interactions between users, even if they are organised through our App.
  • b) We Do Not Vet Users. We do not conduct criminal background checks, verify the identity of all users, or guarantee the accuracy of any information provided by users. The optional "Verified Badge" only indicates that a user has submitted a form of identification for a basic check and does not constitute an endorsement or guarantee of safety or identity. We make no representations or warranties regarding the conduct, behaviour, intentions, or safety of any user.
  • c) You Are Responsible for Your Safety. You are solely responsible for your interactions with other users, both online and offline. You assume all risks associated with meeting individuals through the App, including any travel, activities, or financial arrangements.

2.3. Sponsored Activities and Third-Party Listings. From time to time, the App may display activities, recommendations, or listings ("Sponsored Activities"). These are provided for informational purposes only. We do not:

  • a) organise these activities;
  • b) endorse them;
  • c) guarantee their quality or safety;
  • d) assume responsibility for them.

Any interaction, booking, or participation is solely between you and the relevant third party.

2.4. We strongly recommend reviewing our Safety Guidelines before interacting with other users.

3. Our Commitment to Safety: The Online Safety Act 2023

3.1. In compliance with the UK's Online Safety Act 2023 ("OSA"), we are committed to creating a safer online environment. These Terms, along with our Community Guidelines, outline the measures we take to protect our users from illegal and harmful content.

3.2. Prohibited Content. You must not create, post, or share any content that is illegal or prohibited by our Community Guidelines. This includes, but is not limited to, content that is threatening, incites violence, promotes terrorism, constitutes harassment, or involves child sexual abuse material ("CSAM").

3.3. Content Moderation.

  • a) We are not obligated to monitor all user-generated content. However, users may report content, we may review reported content, we may remove content that violates our policies or the law.
  • b) We may use technology to proactively detect certain types of illegal content. Where we do, we will be transparent about its use. Our primary goal is to swiftly remove such content and report it to the appropriate authorities where required by law.

3.4. Enforcement and Appeals. If you breach these Terms or our Community Guidelines, we may take action, including removing content, suspending or permanently banning your account. You have the right to appeal our moderation decisions by contacting us at hello@justgutsy.com. Further information on enforcement may be found in our Community Guidelines.

3.5. Your Rights. You have the right to bring a claim for breach of contract if we remove your content or suspend or ban your account in a manner that breaches these Terms. However, our liability for such claims is limited as set out in Section 11 of these Terms.

4. User Accounts and Conduct

4.1. Account Creation. To use our Services, you must create an account using your phone number. You agree to provide accurate and complete information and to keep your account details updated. You are responsible for maintaining the confidentiality of your account.

4.2. Prohibited Conduct. You agree not to use the App to:

  • a) Engage in any illegal activity or organise unlawful Meetups;
  • b) Harass, threaten, bully, or intimidate any other user;
  • c) Impersonate any person or entity or post content on behalf of anyone other than yourself;
  • d) Use the App for any commercial purpose, including advertising or spam, without our prior written consent; or
  • e) Reverse-engineer, decompile, or otherwise attempt to discover the source code of the App.

4.3. A more detailed list of prohibited conduct can be found in our Community Guidelines.

4.4. Reporting and Law Enforcement. If you see something concerning, you can report a user via the App or contact hello@justgutsy.com. We may cooperate with law enforcement where legally required.

5. User-Generated Content

5.1. You are solely responsible for all content you post to the App, including your profile information, photos, and any messages you send ("User Content").

5.2. You retain ownership of your User Content. However, by posting it on the App, you grant us a worldwide, royalty-free, sub-licensable, non-exclusive licence to host, use, copy, distribute, and display your User Content for the purposes of operating, developing, and promoting the Services.

5.3. We reserve the right to remove any User Content that violates these Terms or our Community Guidelines, at our sole discretion and without notice.

6. Intellectual Property

6.1. The App, including all content, features, and functionality (such as the design, graphics, and software), is owned by us or licensed by us and protected by applicable intellectual property laws.

6.2. We grant you a limited, non-exclusive, non-transferable, revocable licence to use the App for your personal, non-commercial purposes, subject to these Terms.

6.3. You must not copy, modify, distribute, or create derivative works based on our App or any of its content without our prior written permission.

7. Third-Party Services and Links

7.1. The App may contain links to third-party websites or services. We are not responsible for the content, privacy policies, or practices of any third-party websites or services. We encourage you to review the terms and privacy policies of any third-party services you use.

7.2. Our App uses third-party services, including Firebase (Google) for infrastructure and analytics. Your use of these services is also subject to their respective terms and privacy policies.

8. Subscriptions and Payments

8.1. The App is a freemium service. Premium features are available via paid subscriptions on a weekly, monthly, three-monthly, or annual basis. Subscriptions are processed exclusively through third-party providers such as Apple In-App Purchases and Google Play.

8.2. Subscriptions automatically renew unless cancelled.

8.3. All billing, renewals, and refunds are governed by the terms of the respective app store. We do not process payments directly and do not issue refunds. You must cancel your subscription through your app store account to avoid auto-renewal.

8.4. Cancelling a subscription does not delete your account.

9. Beta Disclaimer

9.1. You acknowledge that the App is currently provided as a "beta" version and is made available "as is" and "as available".

9.2. The beta version is for testing purposes and may contain errors, bugs, or inaccuracies. We may change, suspend, or discontinue any aspect of the Services at any time without notice. Your data may be deleted or reset during the beta period.

10. Disclaimer of Warranties

10.1. Except as expressly stated in these Terms, the Services are provided without any warranties of any kind, whether express or implied. We do not warrant that the Services will be uninterrupted, secure, or error-free.

10.2. You must not rely on the App or any content available through it as a substitute for your own judgment, and you are solely responsible for evaluating any interactions, users, or Meetups.

10.3. Nothing in these Terms affects your statutory rights.

11. Limitation of Liability

11.1. Nothing in these Terms shall limit or exclude our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded by English law.

11.2. To the fullest extent permitted by law, our total aggregate liability to you for any and all claims arising out of or in connection with your use of the Services shall be limited to the greater of:

  • a) The total fees paid by you for subscriptions in the 12 months prior to the claim; or
  • b) £70 (seventy pounds sterling).

11.3. To the fullest extent permitted by law, we shall not be liable for any indirect, consequential, or special losses, or for any loss of profits, data, or goodwill. We are not liable for the conduct of any user or for any loss or damage suffered as a result of any interaction (online or offline) with other users including:

  • a) personal injury caused by other users;
  • b) criminal acts of third parties;
  • c) fraud or scams;
  • d) cost-sharing disputes;
  • e) user-organised events;
  • f) high-risk activities (including travel, sports, or alcohol-related events);
  • g) punitive or exemplary damages;
  • h) fixed or enhanced statutory damages; or
  • i) loss or damage arising from unauthorised access to, use of, or alteration of your content.

11.4. This limitation of liability is a fundamental element of the basis of the bargain between you and us. You acknowledge that the pricing of our Services reflects this allocation of risk.

11.5. The limitations of liability in this Section 11 apply regardless of the legal basis of the claim, whether in contract, tort, statute, or otherwise, and irrespective of the type of breach. They shall apply even if any remedy under these Terms fails of its essential purpose.

12. Dispute Resolution

12.1. Informal Resolution. We encourage you to contact us at hello@justgutsy.com to resolve any issue you may have. Both parties agree to make a good faith effort to resolve any dispute informally before initiating formal proceedings. We will endeavour to respond to your complaint within 14 days.

12.2. Mediation. If a dispute cannot be resolved informally within 30 days of the initial complaint, we encourage (but do not require) the parties to consider mediation as an alternative to litigation, using a mutually agreed mediator.

12.3. Governing Law and Jurisdiction. These Terms and any dispute or claim arising out of them shall be governed by and construed in accordance with the law of England and Wales. Subject to the jurisdiction-specific provisions below, the courts of England and Wales shall have exclusive jurisdiction to settle any dispute or claim.

13. Push Notifications

We may provide you with emails, push notifications, alerts and other messages related to the App and/or the GUTSY LTD services, such as enhancements, offers, products, events, and other promotions. After downloading the App, you will be asked to accept or deny push notifications/alerts. If you deny, you will not receive any push notifications/alerts. If you accept, push notifications/alerts will be automatically sent to you. If you no longer wish to receive push notifications/alerts from the App, you may opt out by changing your notification settings on your mobile device. With respect to other types of messaging or communications, such as emails, text messages, etc., you can unsubscribe or opt out by following the specific instructions included in such communications. We may send text messages for authentication.

14. Location Based Features

The App may allow access to or make available opportunities for you to view certain content and receive other products, services and/or other materials based on your location. To make these opportunities available to you, the App will determine your location using one or more reference points, such as GPS, Bluetooth and/or software within your mobile device. If you have set your mobile device to disable GPS, Bluetooth or other location determining software or do not authorize the App to access your location data, you will not be able to access such location-specific content, products, services and materials. For more about how the App uses and retains your information, please read the Privacy Policy. You can disable location sharing in your device settings, though certain features may become unavailable.

15. Privacy

Your data is processed in accordance with our Privacy Policy.

16. Changes to Terms

16.1. We may modify these Terms at any time. We will provide notice of material changes, for example by posting a notice on the App or sending an email.

16.2. Your continued use of the Services after the changes take effect constitutes your acceptance of the new Terms.

17. General Provisions

17.1. Entire Agreement. These Terms, along with the policies they incorporate by reference, constitute the entire agreement between you and us with respect to the Services.

17.2. Termination. You may terminate your account at any time. We may, at our sole discretion, and where reasonable (or immediately where necessary to protect users), remove content, suspend or terminate accounts without prior notice if you violate these Terms or our Community Guidelines. No refunds will be issued upon termination, except where required by applicable law or the terms of the relevant app store.

17.3. Severability. If any provision of these Terms is found to be unenforceable or invalid, that provision will be limited or eliminated to the minimum extent necessary so that these Terms will otherwise remain in full force and effect.

17.4. Waiver. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.

Jurisdiction-Specific Provisions

Addendum A: For Users in the United States. If you are a California resident, you may cancel your subscription, without penalty or obligation, at any time prior to midnight of the third business day following the date you subscribed. If you subscribed using your Apple ID, refunds are handled by Apple, not us. If you wish to request a refund, please visit Apple Support. If you subscribed using your Google Play Store account, please contact their customer support.

A.2. U.S. Arbitration Agreement and Class Action Waiver. Please read this section carefully, it may significantly affect your legal rights, including your right to file a lawsuit in court. For users located in the United States, any dispute, claim, or controversy arising out of or relating to these Terms shall be determined by binding arbitration in London, United Kingdom, before one arbitrator, administered by the London Court of International Arbitration ("LCIA") pursuant to the LCIA Arbitration Rules. You and the Company agree that each may bring claims against the other only in your or its individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding. You have the right to opt out of this Arbitration Agreement by sending written notice to 71-75 Shelton Street, Covent Garden, London, WC2H 9JQ within 30 days of first becoming subject to these Terms. Your notice must include your name, address, App username, and an unequivocal statement that you wish to opt out.

Addendum B: For Users in the European Union. If you are a consumer resident in the European Union, you benefit from any mandatory provisions of the law of the country in which you are resident. Nothing in these Terms affects your rights as a consumer to rely on such mandatory provisions of local law. You may bring a claim to enforce your consumer protection rights in the EU country in which you live. The European Commission provides an online dispute resolution platform, which you can access at https://ec.europa.eu/consumers/odr.

Addendum C: For Users in Australia. If you are a consumer resident in Australia, you have rights under the Australian Consumer Law ("ACL"), which cannot be excluded by contract. Nothing in these Terms is intended to exclude, restrict, or modify any right or remedy you may have under the ACL. Our goods and services come with guarantees that cannot be excluded under the ACL.

Addendum D: For Users in Canada. If you are a resident of Quebec, Canada, these Terms are subject to the Consumer Protection Act (Quebec). Nothing in these Terms is intended to waive any rights you may have under applicable Canadian consumer protection legislation.