Terms of Service

Terms of Service

Welcome to Fullness. By accessing or using our service, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this service.

By creating an account and using our service, you accept and agree to be bound by the terms and provision of this agreement. You also agree to use the service in compliance with all applicable local, state, national, and international laws, rules, and regulations.

The subscription is sold as a distance sale and constitutes a continuing transaction under the Israeli Consumer Protection Law, 5741-1981. Cancellation is governed by that law and by the Consumer Protection Regulations (Cancellation of a Transaction), 5771-2010. Nothing in this section derogates from any right granted to you by law.

When you may cancel

• You may cancel within 14 days of the date of the transaction or of the date you received the transaction details document, whichever is later.
• Because this is a continuing transaction, you may also cancel the subscription at any time after that period. Cancellation takes effect within 3 business days of your notice, or within 6 business days if it was sent by registered mail.
• A consumer who is a person with a disability, a senior citizen or a new immigrant may cancel within 4 months of the transaction, of receiving the service, or of receiving the transaction details document, whichever is later, provided the transaction involved a conversation between us.

How to give notice of cancellation

You may give notice in any of the following ways:
• Email: [email protected]
• Telephone: 074-7722019
• Post: כפר מנדא, ישראל
• The contact form on this site.

Please state your full name and your ID or company number, and, if known to you, the transaction number and the payment method.

Cancellation fees and refunds

• Where cancellation is not due to a defect or non-conformity, we may charge a cancellation fee of no more than 5% of the transaction price or ILS 100, whichever is lower.
• Where cancellation follows a defect, a discrepancy between the service and the details given to you, or a failure to supply the service on time, no cancellation fee is charged and a full refund is given.
• For a continuing transaction, billing stops when the cancellation takes effect and you are charged only for the service actually supplied up to that point.
• A refund is issued within 14 days of our receiving your cancellation notice, to the payment method used for the transaction.

Your data after cancellation

Access to the service ends when the cancellation takes effect. Account data is kept for a further 30 days, during which you may request an export, and is then deleted, except where we are required by law to retain it.

As a user of our service, you agree to:

• Provide accurate and complete information when creating your account
• Maintain the security of your account credentials
• Not use the service for any illegal or unauthorized purpose
• Not interfere with or disrupt the service or servers
• Not attempt to gain unauthorized access to any part of the service
• Comply with all applicable laws and regulations

What the app is
The Fullness app lets clients of the businesses that use Fullness (in these terms, "companies") use one account to connect to those companies, send them requests, documents and signatures, book appointments and see the information a company shares with them. The sections that follow apply to that use of the app, in addition to the rest of these terms.

Accepting these terms
When you sign in or register from the app's welcome screen, you accept these terms and the privacy policy then in force, and we record your acceptance.

Who it is for
The app is meant for people aged 18 or over, each using it for themselves.

• Sign in and register only with your own ID number and with a mobile that is yours and can receive SMS, and keep your details correct. If your mobile changes, change it in the app by verifying the new one.
• Keep your device and the codes we send you to yourself, and do not share a code with anyone.
• Choose "Remember me on this device" only on a device that only you use, and sign out on a shared device.
• You are responsible for what is done through your account. If you think someone else has used it, or your mobile has passed to someone else, tell us at once at [email protected].
• To protect you, the companies and the service, we may end sessions, limit codes and attempts, and suspend or block an account, for example after repeated failed attempts or a suspected misuse.

When you use the app, you agree not to:
• sign in, register or connect to a company with another person's ID number or mobile, or pretend to be someone else;
• send false, misleading or forged information or documents, or sign for someone else without the right to do so;
• request codes, connections or answers in bulk, or use automated means to reach the app or its list of companies;
• try to reach information about other people or other companies, get around the app's limits or security, or interfere with how it works;
• copy, decompile or reverse engineer the app, except as the law allows.
We may block a use that breaks these rules, and a company may decline or end your access to it.

Fullness provides the technology. The services, products and advice you receive through the app are given by each company, not by Fullness. Your relationship with a company, including its services, fees, advice and decisions, is between you and that company, under its own terms and privacy policy, which the app shows where the company provides them. Each company decides whether to accept your connection, may approve, decline or end your access, and is responsible for the information and documents it shares with you. A request, authorization or power of attorney you give a company in the app, such as FORBIT's requests to the pension clearing house and Har HaBituach, is given to that company, which acts on it in its own name.

Recommendations, and the answers to the questions you can ask about them, are produced automatically, by rules and, where the company has switched it on, by an AI model, from the data the company has, which may be incomplete, out of date or estimated. They are general information only. They are not personal financial, pension, insurance, tax or legal advice, and they are not a recommendation to buy, keep, move, cancel or withdraw any product. Do not rely on them alone: before any decision, speak with your licensed agent. To the extent the law allows, Fullness is not liable for a decision made on the basis of an automated answer.

We work to keep the app available and secure, but it is provided as it is, and it may be unavailable, slow or interrupted, for example during maintenance or when a service it relies on fails. We may change, add or remove features, and a company may switch features off for its clients. We may require you to update the app to keep using it. Nothing in this section limits a right you have by law.

Intellectual Property Rights

The service and its original content, features, and functionality are owned by Fullness and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws. You may not copy, modify, distribute, sell, or lease any part of our service without our explicit permission.

We reserve the right to terminate or suspend your account and access to the service immediately, without prior notice or liability, for any reason whatsoever, including without limitation if you breach the Terms. Upon termination, your right to use the service will immediately cease.

In no event shall Fullness, nor its directors, employees, partners, agents, suppliers, or affiliates, be liable for any indirect, incidental, special, consequential or punitive damages, including without limitation, loss of profits, data, use, goodwill, or other intangible losses, resulting from your access to or use of or inability to access or use the service.

We may update these terms and the privacy policy. Each version carries the date it took effect, shown on the page as its last update. When a new version comes into force, the app shows it to you at your next launch, before you continue, and continuing records your acceptance; on the website, the version in force is the one published here. If you do not accept a new version, you may stop using the app and delete your account.

These Terms shall be governed and construed in accordance with applicable laws, without regard to its conflict of law provisions. Our failure to enforce any right or provision of these Terms will not be considered a waiver of those rights.