Terms of Service

Website: yumio.co.uk

These terms explain the rules for using Yumio, what you can expect from us, and what we expect from you. Please read them carefully. If you are under 18, please read them with a parent or carer.

The short version

• Yumio is a GCSE revision website with AI tutoring. It is operated by Alexandro Ghanem, a sole trader trading as Prismwell Labs. This is a temporary arrangement until Prismwell Labs Ltd is incorporated. When that happens, Yumio and these terms will move to the company. We will tell you, and your terms will continue.
• If you are 13 or over, you can sign up yourself. If you are under 13, you can only use Yumio once a parent or carer has confirmed your account.
• If you are under 18, you need a parent or carer’s permission before buying a paid plan.
• Be kind and stay safe. Do not share personal information with other students, and report anything that worries you.
• AI can make mistakes. Yumio’s marks are guidance to help you revise. They are not official grades. Yumio is not linked to any exam board.
• Yumio is not an emergency service. If you are in danger, call 999.
• Paid plans (Go and Pro) are coming soon and are not on sale yet. Once they are, they renew automatically until you cancel. You can cancel at any time, and you have a 14-day cooling-off period when you first subscribe.
• Nothing in these terms takes away your legal rights as a consumer.

1. Who we are

1.1 Yumio (the “service”) is operated by Alexandro Ghanem, a sole trader trading as Prismwell Labs, registered in England and Wales (“we”, “us”, “our”).

1.2 Our contact details are:

• Postal address: Radcliffe, Greater Manchester, UK
• Email: support@yumio.co.uk
• Email for legal notices: legal@yumio.co.uk
• Website: yumio.co.uk

1.3 Temporary operator and transfer to a company. Alexandro Ghanem is operating Yumio as a sole trader on a temporary basis, until a limited company called Prismwell Labs Ltd is incorporated in England and Wales. When Prismwell Labs Ltd is incorporated:

• a. the Yumio service, your account, any subscription you hold, and these terms (together with our Privacy Policy) will transfer from Alexandro Ghanem trading as Prismwell Labs to Prismwell Labs Ltd;

• b. we will tell you by email and on the website before, or as soon as reasonably possible after, the transfer takes effect, and we will give you the company’s registered number and registered office;

• c. these terms will continue to apply to you on the same basis, with Prismwell Labs Ltd in place of Alexandro Ghanem trading as Prismwell Labs. Your rights will not be reduced because of the transfer, and your subscription price and renewal date will not change because of it; and

• d. you agree to this transfer now. If you do not want your account to move to the company, you can close your account and cancel any subscription before or after the transfer (see sections 10 and 17).

1.4 These terms form a legally binding agreement between you and us. By creating an account or using Yumio, you agree to these terms. Please also read our Privacy Policy, which explains how we use your personal data, and our Cookies page.

2. Who can use Yumio

2.1 Yumio is made for students preparing for GCSE exams in the UK. Most of our users are aged 13 to 19, including students in Years 10 and 11 and students aged 17 to 19 who are resitting GCSEs.

2.2 Age 13 and over. If you are 13 or over, you can create an account yourself.

2.3 Under 13. If you are under 13, you can only use Yumio with the verified consent of a parent or carer. When you sign up, we will ask for your parent or carer’s email address, which must be different from yours. We will email them a link to confirm your account. Until they confirm:

• a. social and interactive features, such as Paper Together, ranked mode, friends, leaderboards and messaging, will be switched off; and

• b. if they do not confirm within 14 days, the account will be closed and its data deleted.

A parent or carer can withdraw consent and ask us to delete the account at any time, using the link in their email or by contacting us.

2.4 Tell us your real age. We use your age to switch on the right safety and privacy settings. You must not give a false age. If you entered your age incorrectly, contact us and we will correct it. If we have reason to believe a user under 13 is using Yumio without parental consent, we will suspend the account and, unless consent is given, delete it.

2.5 Under 18 and paying. If you are under 18, you must have permission from a parent or carer before you buy a paid plan. The payment card must belong to your parent or carer, or be used with their permission.

2.6 Parents and carers. If you allow your child to use Yumio, please go through these terms with them. You can contact us about your child’s account at any time.

2.7 Where Yumio is available. Yumio is designed for users in the United Kingdom. Content follows UK GCSE specifications.

3. What Yumio offers

3.1 Yumio is an online GCSE revision service. Depending on your plan, it may include:

• a. lessons, quizzes and flashcards on GCSE topics;

• b. worksheets and timed mock exams that you sit on screen;

• c. Teach me, an AI tutor that teaches you a topic step by step and controls an on-screen whiteboard on the page;

• d. Ask Yumio, an AI chat that answers your revision questions;

• e. read-aloud, where text is turned into speech so you can listen to it (Yumio does not use your microphone or record your voice);

• f. AI examiner-style marking of your answers and of work you upload, such as photos of handwritten answers;

• g. Memory, a mistake tracker that records the topics and question types you find difficult;

• h. a revision plan that suggests what to revise and when;

• i. Paper Together, multiplayer study rooms with a shared whiteboard and chat with other students;

• j. ranked mode, timed competitive practice against other students;

• k. parent reports, which summarise a student’s progress for a parent or carer; and

• l. email results, which send marks and feedback to your email address.

3.2 Yumio is still developing. We may add, change or remove features. Some features may be labelled as a test, preview or “coming soon”. If we make a change that significantly reduces a feature you have paid for, section 15 explains your rights.

3.3 Yumio supports your revision. It does not replace your teachers, your school or official exam preparation, and we do not promise any particular grade or result.

4. Your account

4.1 You need an account to use most of Yumio. You must give accurate information and use an email address you can access.

4.2 One account per person. Do not share your account, and do not use anyone else’s account.

4.3 Keep your password private and use one you do not use anywhere else. We recommend turning on two-factor authentication where it is available.

4.4 You are responsible for activity on your account, unless someone gained access because of something we did wrong.

4.5 If you think someone else has accessed your account, change your password straight away and contact us at support@yumio.co.uk.

5. Acceptable use

5.1 General rules. When using Yumio, you must not:

• a. bully, harass, threaten, insult, intimidate or impersonate anyone;

• b. post, upload, say, write or draw anything that is sexual, hateful, discriminatory, violent, illegal, or likely to cause harm or distress;

• c. upload material you do not have the right to share, or other people’s private information;

• d. try to make the AI produce harmful, sexual or illegal content, or try to get around its safety rules;

• e. hack, overload, scrape, copy, decompile or reverse-engineer Yumio, or use bots, scripts or other automated tools to access it;

• f. create extra accounts to get around usage limits, suspensions or blocks;

• g. resell, share or give others access to your paid plan;

• h. cheat in ranked mode or other competitive features, for example by using another app or AI tool to answer questions, or by sharing answers;

• i. pretend to be Yumio, a member of our team, a teacher or a partner; or

• j. use Yumio for any commercial purpose, or for any purpose other than personal study, without our written permission.

5.2 Paper Together and other social features. Paper Together lets you study live with other students in a room, using a shared whiteboard and chat. Many users are under 16, so these extra rules apply:

• a. Be respectful. No harassment, bullying, name-calling, threats, hate speech, or sexual content, in chat, on the whiteboard or in display names.

• b. Do not share personal information. Do not share your full name, address, school, phone number, social media accounts, photos of yourself or others, or any other information that could identify or locate you or anyone else.

• c. Do not try to meet or move off Yumio. Do not ask other students to meet in person, or to talk on another app or platform.

• d. Stay on topic. Rooms are for revision. Do not spam, advertise or post links that are not about your studies.

• e. Rooms are small and temporary. Rooms have a maximum number of people and close after a period of time. We keep a room and its results for up to 90 days after it was last used, so you can look back at them and rejoin, and then delete them (see our Privacy Policy). You can ask us to delete them sooner. The host can lock a room and manage who can write.

• f. Extra protections for younger users. For users under 16, some sharing features (such as free-text chat, shared notes or drawing) may be limited or switched off unless everyone in the room is on the user’s friends list. If we do not know a user’s age, we treat them as under 16.

• g. We may moderate. We use automated filters to block certain words and content, and we may review reported messages.

5.3 Reporting and blocking. If anyone makes you feel uncomfortable, unsafe or upset, or breaks these rules, please use the Report or Block options, or email us at support@yumio.co.uk. Tell us briefly what happened. We will review every report and may warn, restrict, suspend or close the accounts involved. You can also talk to a trusted adult, call Childline on 0800 1111, or report concerns about online sexual abuse to CEOP at ceop.police.uk.

5.4 Academic honesty. Do not hand in work produced by Yumio as your own where your school, college or exam board requires your own work, such as coursework or assessed homework. Doing so may break their rules.

5.5 If you break these rules, we may remove content and take action under section 17.

6. AI features: important information

6.1 AI can make mistakes. Teach me, Ask Yumio, AI marking and other AI-generated content are produced by automated systems. They can be wrong, incomplete or out of date, can sound confident when they are wrong, and can misread handwriting or images.

6.2 Marking is guidance, not an official grade. Marks, grades, grade estimates and feedback on Yumio are guidance to help you practise. They are produced in the style of an examiner, but they are not official marks or grades. They do not predict or guarantee your real result. Only exam boards award GCSE grades.

6.3 No exam board link. Yumio is independent. It is not affiliated with, endorsed by, sponsored by or connected to AQA, Pearson Edexcel, OCR, WJEC Eduqas or any other exam board. Exam board names are used only to describe which specifications our content is designed to help with. Our mock exams, worksheets and practice questions are written for Yumio and are not official exam board materials.

6.4 Check important things. Check anything important with your teacher, your textbook or the official exam board specification. If you think a mark is wrong, use any “challenge this mark” option available, or contact us and a person will look at it.

6.5 How AI is provided and what we store. Some AI features are provided using third-party AI service providers on our behalf. We store the prompts and messages you send to Yumio AI, together with the AI’s responses, as your own chat history. We do not store every prompt to improve Yumio (see sections 6.6 and 16.5). You can delete your chat history where the product allows, or ask us to. The Privacy Policy explains what information is sent to providers, what we store, why, and for how long.

6.6 Our own AI models. Prismwell Labs is actively developing and fine-tuning its own AI models. Yumio may use our own models, third-party models, or both, and AI features may change as our models improve. We do not store every prompt to improve our models. We store only a randomly selected sample of prompts, with the AI’s replies, de-identified where possible, and use that sample to train and fine-tune our own AI models, as described in section 16.5 and our Privacy Policy. We do not use your content to train third-party AI models, we do not share it with third parties to train theirs, and we do not use it for advertising. You can object to this at any time, and if you delete a chat or your account, copies in the sample are deleted too.

6.7 Content accuracy. We work hard to make our lessons, questions and other content accurate, but mistakes can happen. Please tell us if you spot one.

7. Safeguarding and wellbeing

7.1 Yumio is a revision tool. It is not an emergency service, a counselling service, or a substitute for professional help. Our AI is not a person and cannot respond to emergencies.

7.2 If you say something in Yumio (including in Ask Yumio, Teach me or Paper Together) that suggests you or someone else may be in danger or at risk of harm, Yumio may pause the conversation and show you information about support services. Where we believe there is a serious risk to someone’s safety, we may also take further steps, as explained in our Privacy Policy, which can include contacting the appropriate authorities.

7.3 If you are in danger or need help now:

• In an emergency in the UK, call 999.
• Talk to Childline for free and in confidence on 0800 1111, or at childline.org.uk (for under 19s).
• Call Samaritans free on 116 123, any time.
• Text SHOUT to 85258 for free, confidential text support.
• For urgent medical help that is not an emergency, call NHS 111.
• Report concerns about online sexual abuse or grooming to CEOP at ceop.police.uk.

7.4 Please also talk to a trusted adult, such as a parent, carer or teacher.

8. Plans and prices

8.1 Plans. The free plan is available now. The paid plans, Go and Pro, are coming soon and are not on sale yet, so nothing can be bought at the moment. The prices below are the planned prices. We will tell you before paid plans go on sale, and the rest of this section and sections 9 to 11 apply from then. The plans are:

8.2 The pricing page on yumio.co.uk shows the current features and limits for each plan. Before you pay, we will show you the price, what is included, how often you will be charged, and how to cancel.

8.3 Prices are in pounds sterling and include VAT where VAT applies.

8.4 Free plan limits may change. The free plan is offered at our discretion. We may change the features, usage limits and allowances of the free plan at any time, for example to manage the cost of running AI features. We will show the current limits on our pricing page and, for significant changes, tell you in Yumio.

8.5 Usage limits. Daily and weekly limits reset at the times shown in Yumio (UK time: daily limits at midnight and weekly limits on Monday). Unused allowances do not carry over.

8.6 Offers and rewards. We may sometimes offer discounts, free trials or free paid-plan time. Any special conditions will be shown with the offer. Rewards have no cash value and cannot be exchanged or transferred.

9. Payment, billing and automatic renewal

9.1 Payment provider. Payments are handled by our third-party payment provider, Stripe. We do not see or store your full card details. Your payment is also subject to the payment provider’s own terms and privacy policy.

9.2 When you are charged. When you subscribe to Go or Pro, you will be charged the first payment straight away. Your subscription then renews automatically at the end of each billing period (monthly or yearly) and you will be charged the price for the next period, using the payment method you gave, until you cancel.

9.3 Renewal reminders. We will send you a reminder by email before each yearly renewal, and before any renewal after a free trial or discounted period ends, telling you the date and amount of the next payment and how to cancel. Where the law requires it, we will also send reminders before monthly renewals.

9.4 Failed payments. If a payment fails, we or our payment provider may try again. If payment still cannot be taken, we may pause or end your paid features and move your account to the free plan. Your account and your saved work will stay safe.

9.5 Changes to your plan. If you upgrade, the change usually takes effect straight away and any price difference will be shown before you confirm. If you downgrade, the change usually takes effect at the end of your current billing period.

10. Cancelling your subscription

10.1 You can cancel a paid subscription at any time:

• a. in your account settings, using “Manage subscription”; or

• b. by emailing us at support@yumio.co.uk from the email address on your account.

10.2 We aim to make cancelling as easy as signing up. You do not need to give a reason.

10.3 When you cancel (outside the cooling-off period), your subscription will not renew. You keep your paid features until the end of the billing period you have already paid for. After that, your account moves to the free plan. Your saved work is not deleted.

10.4 Cancelling a subscription does not delete your account. To delete your account, see section 17.

11. Your 14-day cooling-off period

11.1 Under the Consumer Contracts (Information, Cancellation and Additional Charges) Regulations 2013, you usually have the right to cancel a contract made online within 14 days, without giving a reason.

11.2 Subscriptions (Go and Pro). A subscription is a digital service. You have 14 days from the day you first subscribe to cancel. Because paid features start straight away, when you subscribe we will ask you to confirm that you want the service to start during the cooling-off period. If you then cancel within the 14 days:

• a. we will refund what you paid, minus a fair amount for the service you received before you told us you were cancelling. This amount is in proportion to the time you had access. For example, if you cancel a monthly plan after 3 days, you pay for 3 days and get the rest back; and

• b. if you did not use any paid features, you will get a full refund.

11.3 Digital content waiver. If we sell any digital content that is supplied as a one-off item rather than an ongoing service (for example, a one-off pack of marking credits or a downloadable resource), we will ask you at checkout to agree that the content is supplied straight away and to confirm that you understand that you lose your right to cancel once supply has started (for example, once you use a credit or download the item). If you have not started using it, you can still cancel within 14 days for a full refund.

11.4 Renewals. Automatic renewals do not start a new 14-day cooling-off period, unless the law says they do. For subscriptions taken out on or after 1 January 2027, you may have additional cancellation rights at renewal under the subscription contract rules in the Digital Markets, Competition and Consumers Act 2024, and we will tell you about them in your renewal reminders where they apply. You can always cancel to stop the next payment.

11.5 How to cancel in the cooling-off period. Email us at support@yumio.co.uk saying that you want to cancel, or use the cancellation form at the end of these terms (you do not have to use it). We will refund you within 14 days of the day you tell us, to the payment method you used.

12. Refunds and your legal rights

12.1 The Consumer Rights Act 2015 gives you legal rights. Digital content must be of satisfactory quality, fit for purpose and as described, and services must be provided with reasonable care and skill.

12.2 If something you paid for is faulty or not as described, we will try to fix it or replace it. If we cannot do so within a reasonable time and without significant inconvenience to you, you may be entitled to a price reduction or a refund.

12.3 If faulty digital content that we supplied damages your device or other digital content, and this happened because we did not use reasonable care and skill, we will either repair the damage or pay you fair compensation.

12.4 Apart from the cooling-off period and your legal rights, we do not normally give refunds if you change your mind part-way through a billing period. We may still give a refund where it seems fair, so please ask.

12.5 Nothing in these terms affects your legal rights. For more information, you can contact Citizens Advice.

13. Fair use

13.1 Our AI features cost real money to run. Every plan, including Pro, is subject to fair use. “Unlimited” on the Pro plan means unlimited for normal, personal revision by one student.

13.2 We may slow down, pause or limit AI features on any account if we reasonably believe it is being used in a way that goes beyond normal personal revision, for example:

• a. automated or scripted use;

• b. sharing an account between several people;

• c. creating several accounts to get extra free use; or

• d. use that is so heavy that it affects the service for other users, or is far above what a single student would normally need. Any guide levels will be shown on our pricing page.

13.3 We may also temporarily limit AI features if our systems or providers are overloaded, so the rest of Yumio keeps working.

13.4 If we limit your account under this section, we will tell you where reasonably possible. If you think we have made a mistake, contact us.

14. Price changes

14.1 We may change our prices from time to time. Price changes will not affect a billing period you have already paid for.

14.2 If we increase the price of your subscription, we will tell you by email at least 30 days before the new price applies to you. You can cancel before the new price starts if you do not want to continue.

15. Availability and changes to the service

15.1 We will try to keep Yumio available, but we cannot promise it will always be available, uninterrupted or free from errors. We may need to suspend it for maintenance, updates or reasons outside our control.

15.2 If we make a change that significantly reduces a paid feature, we will tell you first. You may cancel and receive a refund for any period you have paid for but will not use.

15.3 If we decide to close Yumio, we will give you at least 30 days’ notice where we can, refund any unused paid period, and help you download your work.

16. Intellectual property and your content

16.1 Our content. The Yumio name and logo, the website, software, design, lessons, quizzes, flashcards, worksheets, mock exams, practice questions and other materials we provide are owned by us or licensed to us. Exam board names and any exam board material referred to belong to their owners.

16.2 What you may do. We give you a personal, non-exclusive, non-transferable licence to use Yumio and its content for your own personal, non-commercial revision while you have an account. Parents, carers and teachers may use it to help a student. You may print worksheets for your own use.

16.3 What you must not do. You must not copy, sell, republish, distribute or rebuild Yumio or its content, or use it to train or build another product or AI system, without our written permission.

16.4 Your content. “Your content” means anything you add to Yumio, such as answers, uploads, photos of your work, notes, flashcards, messages and whiteboard drawings. You keep ownership of your content.

16.5 Licence you give us. You give us a non-exclusive, royalty-free licence to host, store, copy, process, adapt (for example, to read handwriting) and display your content, only as needed to run, maintain, secure and improve Yumio for you. This includes sending it to our service providers, such as AI providers, to answer or mark it, and storing your prompts and messages to Yumio AI with the AI’s responses, and using them for safety and moderation. We also use a randomly selected sample of those prompts and responses (not all of them), de-identified where possible, to review quality and to train and fine-tune Yumio’s own AI models, as explained in our Privacy Policy. The rest of your messages are kept only as your own chat history. We do not use your content to train third-party AI models and we do not share it with third parties to train theirs. If you delete a chat or your account, copies in that sample are deleted too. If you share content with others (for example in Paper Together), you also allow us to show it to them. This licence ends when you delete the content or your account, except for copies that have already been shared with others, that are held in backups for a short time, or that have been fully anonymised so they no longer identify you, as explained in our Privacy Policy.

16.6 Your promises. You confirm that you have the right to upload your content and that it does not break these terms or anyone else’s rights. If you upload pages from books or other published material, it must be for your own revision only and you must not share it with others.

16.7 We may remove content that breaks these terms or the law. If you believe content on Yumio infringes your copyright or other intellectual property rights, send a notice to legal@yumio.co.uk (see our DMCA page).

16.8 Feedback. If you send us suggestions or feedback, we may use them to improve Yumio without any obligation to you.

17. Suspension, termination and deleting your account

17.1 By you. You can stop using Yumio at any time. You can delete your account in Settings, or by emailing support@yumio.co.uk from the address on your account. If you have a paid plan, deleting your account will cancel your subscription.

17.2 By us. We may warn you, remove content, limit features, suspend your account or close it if:

• a. you seriously or repeatedly break these terms;

• b. you put other users, especially children, at risk;

• c. you are under 13 and we do not have parental consent; or

• d. we are required to do so by law.

17.3 We will usually warn you and explain why before acting. We may act straight away where someone’s safety is at risk or the breach is serious. If you think we have made a mistake, contact us and a person will review the decision.

17.4 If we close your account because of a serious breach of these terms, we will refund any paid period you have not used, unless the law allows us not to.

17.5 What happens to your data when your account ends is explained in our Privacy Policy.

18. Our responsibility to you

18.1 We are responsible for loss or damage you suffer that is a foreseeable result of us breaking these terms or failing to use reasonable care and skill. Loss or damage is foreseeable if it is obvious that it will happen, or if both of us knew it might happen when you started using Yumio.

18.2 We are not responsible for loss or damage that is not foreseeable, or that is caused by events outside our reasonable control.

18.3 Yumio is for personal, educational use. We are not responsible for any business loss, loss of profit or loss of business opportunity.

18.4 We are not responsible for your exam results, or for decisions you make based on AI explanations, marks or grade estimates, as explained in section 6.

18.5 We are not responsible for what other users say or do, but we will act on reports as described in section 5.

18.6 Things we do not exclude. Nothing in these terms excludes or limits our liability for: death or personal injury caused by our negligence; fraud or fraudulent misrepresentation; or any breach of your rights under the Consumer Rights Act 2015 or any other liability that cannot be limited or excluded by law.

19. Changes to these terms

19.1 We may update these terms to reflect changes to Yumio, the law, or how we operate (including the transfer to Prismwell Labs Ltd). The date at the top shows the latest version.

19.2 If we make an important change, we will tell you in Yumio or by email at least 30 days before it takes effect. If you are under 18, we will explain it in plain language. If you do not agree with the change, you can stop using Yumio and cancel your subscription before it takes effect. If the change affects something you have already paid for, you will receive a refund for any unused period.

20. Transfer of this agreement

20.1 As explained in section 1.3, these terms will transfer to Prismwell Labs Ltd when it is incorporated. We may also transfer our rights and obligations under these terms to another organisation in other circumstances, for example if Yumio is sold. We will tell you if this happens, and we will make sure the transfer does not reduce your rights. If you are unhappy with a transfer, you can cancel and close your account.

20.2 You may not transfer your rights or obligations under these terms to anyone else.

21. Complaints

21.1 If you are unhappy with Yumio, please contact us first at legal@yumio.co.uk or by post at Radcliffe, Greater Manchester, UK. Tell us what happened and what you would like us to do.

21.2 We will acknowledge your complaint within 5 working days and aim to resolve it within 14 days. If it will take longer, we will tell you why.

21.3 If you are not satisfied with our response, you can get advice from Citizens Advice (citizensadvice.org.uk). For complaints about personal data, see our Privacy Policy, which explains your right to complain to the Information Commissioner’s Office.

22. General

22.1 Governing law. These terms are governed by the law of England and Wales. Any dispute can be dealt with by the courts of England and Wales. If you live in Scotland, you can also bring proceedings in Scotland. If you live in Northern Ireland, you can also bring proceedings in Northern Ireland.

22.2 Separate terms. Each section of these terms operates separately. If a court decides any part is unlawful, the rest will remain in full force.

22.3 No waiver. If we do not insist straight away that you do something you are required to do, this does not mean we cannot insist later.

22.4 Third parties. No one other than you and us has any right to enforce these terms, except that Prismwell Labs Ltd will be able to enforce them once they transfer to it.

22.5 Entire agreement. These terms, together with our Privacy Policy, Cookies page and any terms shown to you at checkout, are the whole agreement between you and us about Yumio.

23. Contact us

• Operator: Alexandro Ghanem trading as Prismwell Labs (transferring to Prismwell Labs Ltd on incorporation)
• Postal address: Radcliffe, Greater Manchester, UK
• Email: support@yumio.co.uk
• Email for legal notices: legal@yumio.co.uk
• Website: yumio.co.uk

Cancellation form (optional)

You only need to use this form if you want to. An email saying the same thing works just as well.

To: Alexandro Ghanem trading as Prismwell Labs (Yumio), Radcliffe, Greater Manchester, UK, support@yumio.co.uk

I hereby give notice that I cancel my contract for the following digital service or digital content: ______________________

Ordered on: ______________________

Name: ______________________

Email address on the Yumio account: ______________________

Date: ______________________