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00 · LEGAL INSTRUMENT

Terms of
Service

Effective date: June 25, 2026. These terms govern your relationship with Ovandor and the use of the Personal Intelligence platform.

Entity: Ovandor, Inc.

01

AGREEMENT

Agreement to Terms

These Terms of Service ("Terms") form a binding agreement between you ("you" or "User") and Ovandor, Inc. ("Ovandor," "we," "us," or "our") governing your access to and use of the Ovandor application, website, and related services (collectively, the "Service"). By creating an account or otherwise using the Service, you agree to these Terms. If you do not agree, do not use the Service.

If you are using the Service on behalf of an organization, you represent that you have authority to bind that organization, and "you" refers to both you and the organization. The Service is currently designed for single-user workspaces; multi-seat or organizational use is not supported in the current release.

By requesting access to the Service and creating an account, you expressly request that we begin providing the Service immediately. If you have a statutory right of withdrawal or cancellation under applicable consumer law (including EU or UK law), you acknowledge that, by requesting immediate performance, you may lose that right in respect of any portion of the Service already delivered. Our 15-day trial provides a no-obligation period during which no payment is required, consistent with applicable cooling-off requirements.

02

PRODUCT

What the Service Is

Ovandor is a Personal Intelligence platform. You provide input through voice memos, quick text notes, and document uploads. Ovandor converts that input into canonical markdown, the authoritative record of what you entered, and maintains a version history (audit log) of changes.

An asynchronous semantic compilation pipeline analyzes your content and produces structured assertions about it — relationships, patterns, open loops, and goals — organized under a controlled ontology. Assertions are labeled at one of three levels:

  • Human — something you explicitly stated or confirmed.
  • Validated AI — an AI-generated assertion you have reviewed and accepted.
  • Candidate AI — an AI-generated assertion awaiting your review, shown with a confidence score, the reasoning behind it, and the source evidence it was drawn from.

The Service compiles this information into four living pages (Patterns, Open Loops, and Goals & Drift) and proactively surfaces real-time alerts, a daily next action, and periodic syntheses (weekly, monthly, quarterly, annual). These proactive outputs are AI-initiated: where the Service contacts you or surfaces something without a direct request, it is marked as AI-originated.

Not professional advice. Ovandor surfaces patterns and assertions drawn from your own input. It is not a medical, psychological, legal, financial, or other professional advisory service, and it does not make decisions for you. You remain solely responsible for any decision or action you take, including in reliance on anything the Service surfaces. AI-generated assertions may be incomplete, outdated, or wrong — review the confidence score and reasoning before relying on any assertion, and reject or correct anything that does not reflect reality.

03

ELIGIBILITY

Eligibility and Accounts

You must be at least 18 years old to create an account. The Service is not directed to, and we do not knowingly collect information from, anyone under 18. If we learn that a user is under 18, we will delete the account and associated information promptly.

You are responsible for maintaining the confidentiality of your login credentials and for all activity under your account. Notify us promptly at [email protected] if you suspect unauthorized access.

You may delete your account at any time from account settings or by contacting [email protected]. See Section 5.3 and our Privacy Policy for what happens to your data on deletion.

04

PROCESSING

Capture, Storage, and AI Processing

When you submit voice input, the Service transcribes it using speech-to-text technology for the sole purpose of converting your speech to text. We do not use voice recordings to create voiceprints, voice profiles, or any other biometric identifier, and we do not use voice data for biometric identification, authentication, or any purpose other than transcription. By enabling voice capture, you consent to the processing of your voice recordings for transcription purposes only, as further described in our Privacy Policy.

Text, documents, and transcripts are processed through our semantic compilation pipeline to generate assertions, syntheses, and proactive content.

We maintain Zero-Data-Retention arrangements with our processing providers: your content is processed to generate a result and is not retained by any provider afterward, and is not used to train third-party models. See our Privacy Policy for further detail on data flows and sub-processors.

Server-side decryption for AI processing occurs in a secure enclave; plaintext content is never logged or persisted outside that pipeline. Content at rest is encrypted (AES-256-GCM) with per-user keys, and every workspace is logically isolated from every other workspace.

05

BILLING

Plans, Trial, Billing, and Cancellation

5.1 Free Trial

New accounts receive a 15-day trial with full access to the Service — every feature, no usage caps during the window. A payment method is not required to start the trial. The trial period satisfies applicable cooling-off or withdrawal period requirements under consumer law in most jurisdictions where such requirements apply to digital services that begin delivery immediately upon user request.

5.2 Subscription Plans

At the end of the trial, continued full access requires an active paid subscription. Current plans, features, and pricing are published at ovandor.com/pricing. Plan availability and pricing are subject to change; active subscribers will receive at least 30 days' advance notice before any change takes effect on their account.

Subscriptions auto-renew at the end of each billing period (monthly or annual, as selected at checkout) at the then-current price for your plan, unless you cancel before the renewal date. You will receive a reminder before your trial converts to a paid subscription and before any annual renewal. You can cancel at any time from your account settings — cancellation is effective at the end of the current paid period, and you retain full access through that date.

We may offer promotional, founding-cohort, or beta pricing to specific users. Where granted, that rate is governed by the specific offer under which it was given and remains in effect as stated in that offer, subject to your continued compliance with these Terms.

5.3 What Happens If You Don't Subscribe

If your trial ends without an active subscription, your account does not lose data. Everything you have entered remains stored and viewable. The account moves to a read-only state: the proactive intelligence layer is restricted to a weekly radar and assertions covering only your most recent four weeks of input. Deeper syntheses (weekly+, monthly, quarterly, annual), real-time alerts, and the daily next action are not available in this state. Subscribing at any time restores full functionality across your entire history.

5.4 Billing Terms

Subscriptions renew automatically as described in Section 5.2. You can cancel at any time from account settings, effective at the end of the current billing period. We do not provide prorated refunds for partial periods except where required by applicable law. Payment processing is handled by our third-party payment processor; we do not store your full payment card number.

06

CONDUCT

Acceptable Use

You agree not to:

  • Use the Service for any unlawful purpose, or upload content you do not have the right to upload;
  • Attempt to reverse-engineer, decompile, or extract the underlying models, ontology, or source code of the Service;
  • Scrape, bulk-export via unauthorized means, or programmatically abuse the Service's APIs outside documented, authorized use;
  • Use the Service to build a competing product or to train a third-party AI model on Service outputs;
  • Impersonate another person, or use the Service to generate assertions, profiles, or decisions about a third party without their knowledge and consent;
  • Interfere with the Service's operation, security, or the experience of other users; or
  • Upload content involving illegal acts, child sexual abuse material, or other content prohibited by applicable law.

We may suspend or terminate accounts that violate this section, with notice where practicable.

07

OWNERSHIP

Your Content and Our License

You own your content. Everything you submit — voice recordings, text, and documents — and the assertions and other derived content generated from your input remain yours. We claim no intellectual property rights in your content or in assertions derived from it. We do not sell your content, and we do not use it to train AI models for any other customer or for general-purpose AI products.

You grant us a limited license to host, process, transmit, and display your content solely to provide the Service to you, as described in these Terms and our Privacy Policy. This license ends when you delete the relevant content or your account, subject to the retention terms in our Privacy Policy.

You are responsible for having the rights to anything you upload, including third-party documents and any personal information of others contained in your content.

08

IP

Intellectual Property

The Service — including the Ovandor name and logo, the underlying software, the controlled ontology, design, and all related intellectual property other than your content and assertions derived from it — is owned by Ovandor or its licensors. These Terms do not grant you any right to use our trademarks, branding, or proprietary technology outside of using the Service as intended.

09

DISCLAIMERS

Disclaimers

THE SERVICE, INCLUDING ALL AI-GENERATED OUTPUTS, IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, OR ACCURACY. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR THAT AI-GENERATED ASSERTIONS, SYNTHESES, OR RECOMMENDATIONS WILL BE ACCURATE, COMPLETE, OR SUITABLE FOR ANY PARTICULAR PURPOSE.

Nothing in this section excludes or limits any warranty that cannot be disclaimed or limited under mandatory applicable law, including any implied terms that apply to consumers under applicable consumer protection legislation.

10

LIABILITY

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OVANDOR AND ITS OFFICERS, EMPLOYEES, AND SERVICE PROVIDERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF DATA, PROFITS, OR GOODWILL, ARISING FROM YOUR USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. OUR TOTAL LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM AROSE, OR (B) USD $100.

Notwithstanding the above, nothing in these Terms limits or excludes: (i) liability for death or personal injury caused by our negligence; (ii) liability for fraud or fraudulent misrepresentation; (iii) any liability that cannot be limited or excluded under mandatory applicable law; or (iv) any statutory rights you have as a consumer under applicable consumer protection legislation that cannot be waived by contract. Some jurisdictions do not allow certain limitations, so some of the above may not apply to you.

11

INDEMNIFICATION

Indemnification

You agree to indemnify and hold Ovandor harmless from claims, damages, and expenses (including reasonable legal fees) arising from: (a) your fraud, willful misconduct, or gross negligence in connection with these Terms or the Service; or (b) content you submit that infringes a third party's intellectual property rights or violates applicable law. This indemnification obligation does not apply to the extent that a claim arises from our own breach of these Terms or our negligence.

12

TERMINATION

Termination

You may stop using the Service and delete your account at any time. We may suspend or terminate your access if you materially breach these Terms, including the Acceptable Use section, or if required by law. On termination, Sections 7–11 and 13–16 survive.

13

CHANGES

Changes to the Service or These Terms

We may update these Terms from time to time. For material changes, we will provide notice (for example, by email or an in-app notice) at least 14 days before the change takes effect. Continued use of the Service after a change takes effect constitutes acceptance. We may also modify, suspend, or discontinue features of the Service, with reasonable notice where the change is material and adverse.

14

GOVERNING LAW

Governing Law and Disputes

These Terms are governed by the laws of our jurisdiction of incorporation, without regard to conflict-of-laws principles. Regardless of the chosen governing law, if you are a consumer in a jurisdiction with mandatory consumer protection laws, nothing in these Terms removes, restricts, or supersedes the rights you have under those laws.

15

EU / INTERNATIONAL

EU Users and International Use

If you access the Service from the European Union or other jurisdictions with specific data protection or AI regulation requirements, additional obligations may apply under applicable law, including the GDPR and EU AI Act. We are monitoring applicable requirements and committed to ongoing compliance as the Service and its user base evolve. Where required by law, we will take appropriate steps to satisfy jurisdiction-specific obligations. For any questions about your rights or our compliance program, contact us at [email protected].

16

GENERAL

General

  • Consumer rights: Nothing in these Terms affects any non-waivable rights you have as a consumer under the mandatory laws of the jurisdiction where you reside.
  • Entire agreement: These Terms, together with our Privacy Policy and any plan-specific terms presented at checkout, are the entire agreement between you and us regarding the Service.
  • Severability: If any provision is found unenforceable, the rest of these Terms remain in effect.
  • No waiver: Our failure to enforce a provision is not a waiver of our right to do so later.
  • Assignment: You may not assign these Terms without our consent; we may assign them in connection with a merger, acquisition, or sale of assets.
  • Notices: We will send legal notices to the email associated with your account. You can reach us at [email protected].
17

CONTACT

Contact

Effective date: June 25, 2026 · Ovandor Personal Intelligence Platform