Terms of Use

1. Acceptance of these Terms

By creating an account or using the Platform, you agree to these Terms. If you do not agree, do not use the Platform.

2. Definitions

• "Patient" — a user who books sessions with a Professional through the Platform.
• "Professional" — an independent psychologist, therapist, or other wellness professional who offers sessions through the Platform. Professionals are not employees, agents, or representatives of YINFLOW.
• "Booking" — a scheduled session between a Patient and a Professional, confirmed through the Platform.
• "Session" — the video or in-person appointment corresponding to a Booking.

3. Eligibility

You must be at least 18 years old and able to form a binding contract to use the Platform. The Platform is not directed to, and may not be used by, anyone under 18.

4. The Platform's role

icohub is a graph-native tool for mapping and reflecting on areas of your life, with optional AI assistance, and a marketplace that connects Patients with independent Professionals for scheduling and holding paid sessions.

YINFLOW does not employ, supervise, or control the Professionals who use the Platform, and does not itself provide psychological, therapeutic, medical, or any other professional service. Each Professional is solely responsible for the service they provide, for their own qualifications, licensing, and professional conduct, and for complying with the rules of their own profession. YINFLOW provides the scheduling, payment, and communication tools that connect Patients and Professionals; it is not a party to the professional relationship between them.

The Platform is oriented to wellness, self-knowledge, and psychological support. It is not a medical service and does not treat diseases. There are no physicians on the Platform.

5. Accounts

You sign in with a one-time code sent to your email. You are responsible for keeping access to that email account secure and for the accuracy of the information you provide at sign-up.

6. Booking a session

• A session may be booked starting at least 6 hours before its start time, and no more than 45 days in advance.
• A Booking is confirmed once payment is authorized as described in Section 8.
• Rescheduling a session into a new slot is subject to the same minimum-notice rule: you cannot move a session to a slot less than 6 hours away.

7. Pricing and platform fee

Each Professional sets their own price per session or subscription plan. YINFLOW charges a platform fee of 10% to 15% of the session price on bookings that originate from the marketplace — the Professional's public profile on the Platform or on Yinflow.Life. Bookings from a Professional's own existing clients, through their direct personal link, carry no platform fee. Which rule applies to a given Patient-Professional pair is fixed the first time they are connected through the Platform and does not change for later Bookings between the same two people.

8. Payment

Payment is processed through Stripe Connect. The Professional is the merchant of record for the session price; YINFLOW's fee (Section 7) is deducted from the payout to the Professional, and YINFLOW itself never holds or takes custody of the session price.

• Authorization at booking. When you confirm a Booking, your card is authorized (placed on hold) for the full session price. No charge is taken yet.
• Capture. The hold is converted into an actual charge at whichever is earlier: approximately 6.5 days after the Booking is made, or 2 hours before the session start time.
• If the charge fails at capture time, the Booking is automatically cancelled, no amount is charged, and both you and the Professional are notified so the slot can be rebooked.
• Recurring plans (vigência futura — effective when recurring plans launch, Section 11) follow the same authorize-then-capture rule for their first payment; renewals are charged on the plan's own 30-day cycle (Section 11).

9. Cancellation, rescheduling, and no-show

Full rules are in our Cancellation and Refund Policy. In summary:

• 12 hours or more before the session: full refund, or free rescheduling, with no limit on how many times.
• Between 2 and 12 hours before the session: one free action per Booking — either a free reschedule or a cancellation with full refund, not both.
• Less than 2 hours before the session, or no-show: no refund and no rescheduling, except the 7-day right of regret (Section 10), which can still apply.
• If the Professional cancels 2 hours or more before the session: you receive an automatic full refund.
• If the Professional cancels less than 2 hours before, arrives more than 15 minutes late, or does not show up: you choose between a full refund and a free reschedule. If you do not choose within 7 days, you automatically receive a full refund.

10. Right of regret (7-day window)

Brazilian consumer law gives you 7 calendar days from your purchase to cancel it for a full refund, provided the session has not started — even less than 12 hours away. For a plan (vigência futura — effective when recurring plans launch, Section 11), this covers only the first payment, and only if you ask before the plan's second session; renewals are excluded. Details are in the Cancellation and Refund Policy.

11. Recurring plans

This section describes a feature not yet available to Patients ("vigência futura" — future effect); it is included here so the Terms are complete once the feature launches.

A Professional may offer a weekly or bi-weekly subscription plan. A plan renews every 30 days from the first session and continues until cancelled — there is no fixed end date. Each paid period charges a fixed number of sessions — 4 for a weekly plan, 2 for a bi-weekly plan; any extra session inside the same period is an uncharged, non-refundable reservation. You may cancel a plan at any time; cancelling stops future renewals. Each not-yet-held charged session of the current paid period is then refunded under the Patient's own per-Booking rules (Section 9): inside the 7-day window counted from the plan's first purchase (Section 10), full refund even less than 12 hours away; otherwise, 12 hours or more away, full refund; between 2 and 12 hours away, full refund only if that Booking's one free action is still unused, and cancelling spends it; less than 2 hours away, or a no-show, no refund. Sessions already held are not refunded through plan cancellation. Each session of a plan otherwise follows Section 9.

12. Account deletion

You may delete your account at any time. Deletion takes effect 30 days after your request; Bookings inside that 30-day window stay live. When deletion takes effect, future Bookings follow the same rules as Section 9, and the 7-day right of regret (Section 10) still applies to an eligible Booking even if deletion happens first; any refund triggered by deletion includes our platform fee. Records of past Bookings and payments are kept for as long as required by law — including a 5-year retention period for the records underlying our contracts with Professionals and payment processors — de-identified from your deleted profile, as described in our Privacy Policy.

13. Acceptable use

Do not misuse the Platform: no unlawful content, no attempts to disrupt or reverse-engineer the service, no infringing others' rights, and no use of the Platform to contact a Professional or Patient outside the purposes it is provided for.

14. Your content

You own the content you create. You grant us a limited license to store, process, synchronize, and run the AI features you invoke on that content, solely to operate and provide the Platform.

15. AI features and health disclaimer

icohub may use AI to generate suggestions and text, including during or after a session. AI output can be inaccurate or incomplete. icohub is not medical, psychological, or other professional advice, and is not a substitute for a qualified professional. Do not rely on icohub for decisions about your health or wellbeing; consult your Professional or another qualified professional. If you are experiencing a medical or mental-health emergency, contact your local emergency services immediately — do not wait for or rely on a response through the Platform. If you are in crisis or having thoughts of suicide, in Brazil call CVV at 188 (24 hours, free) or contact your local emergency services.

16. Intellectual property

The icohub software, name, and marks remain our property. These Terms grant you no rights in them beyond using the Platform.

17. Warranties

The Platform is provided "as is" and "as available" without warranties of any kind, whether express or implied, including fitness for a particular purpose and non-infringement. We do not warrant that the Platform will be uninterrupted, error-free, or secure, and we do not warrant the quality, safety, or outcome of any session provided by a Professional.

18. Limitation of liability

To the maximum extent permitted by law, we are not liable for indirect, incidental, special, or consequential damages, or for loss of data, profits, or goodwill, including any arising from a Professional's conduct or from a Session. Our total liability for any claim relating to the Platform will not exceed the greater of the amount you paid us in platform fees in the twelve months before the claim or USD 100. Nothing in this section limits liability that cannot be limited under Brazilian law, including liability for willful misconduct or gross negligence.

19. Termination

You may stop using icohub at any time. We may suspend or terminate access for breach of these Terms.

20. Governing law

These Terms are governed by the laws of Brazil. Any dispute will be submitted to the courts of the Comarca of São Paulo, SP, unless mandatory local law grants you the right to sue elsewhere. In case of any divergence between this English version and the Portuguese version of these Terms, the Portuguese version prevails.

21. Changes to these Terms

We may update these Terms; material changes will be reflected in the "last updated" date above.

22. Contact

Questions about these Terms: ops@yinflow.life.