Terms of Service — PicoCEO Cloud

Effective date: 3 August 2026  ·  Last updated: 3 August 2026

1. Agreement to these Terms

These Terms of Service ("Terms") are a binding agreement between PICOCEO OÜ ("PicoCEO", "we", "us") and the individual or entity ("you", "Customer") that accesses or uses the PicoCEO Cloud service at picoceo.com (the "Service"). By creating an account, clicking "I agree", or using the Service, you accept these Terms. If you use the Service on behalf of an organisation, you represent that you are authorised to bind it. If you do not agree, do not use the Service.

2. Definitions

• Service — the PicoCEO Cloud platform, web and mobile apps, APIs, and related tools.
• Customer Content — data, prompts, directives, files and materials you submit to, or generate through, the Service.
• Output — content produced by the Service's AI agents in response to your use.
• Credits — the prepaid/allocated units metered for AI and compute usage.
• Integrations — third-party services you connect (e.g. messaging channels, email).

3. Eligibility and accounts

• You must be at least the age of majority in your jurisdiction and legally able to contract.
• You are responsible for the accuracy of your registration details, for safeguarding your credentials, and for all activity under your account.
• Notify us promptly of any unauthorised use.

4. The Service

The Service lets you direct AI agents to plan and perform work, operate connected channels, and produce Output. We may update, add or remove features over time. Certain features depend on third-party providers and may change with them.

5. Plans, Credits, billing and refunds

• Merchant of Record. Payments are processed by Paddle (Paddle.com Market Limited) as our Merchant of Record/reseller. Your purchase is also subject to Paddle's buyer terms, and Paddle (not PicoCEO) is the seller of record for tax purposes.
• Subscriptions & Credits. Paid plans and Credit purchases are billed as described at checkout. Subscriptions renew automatically until cancelled. Credits are consumed as you use metered features and [are/are not] refundable and [do/do not] expire — CONFIRM.
• Price changes. We may change prices prospectively; changes apply from your next billing cycle with notice as required by law.
• Refunds. Except where required by law or expressly stated, fees are non-refundable. Statutory withdrawal/cancellation rights (e.g. EU consumer rights) are unaffected. [STATE your refund policy and any consumer right-of-withdrawal waiver for digital content.]
• Taxes. Prices are exclusive of taxes unless stated; Paddle handles applicable VAT/sales tax.

6. Acceptable use

You agree not to, and not to permit others to:

• use the Service unlawfully, or to infringe others' rights (IP, privacy, publicity);
• generate or distribute unlawful, harmful, harassing, defamatory, or deceptive content, spam, or malware;
• attempt to circumvent usage limits, security, or access controls; probe or reverse-engineer the Service except as law allows;
• use the Service to build a competing product by copying it;
• send communications through Integrations in violation of anti-spam or platform rules;
• process data you are not lawfully permitted to process, or upload special-category data without a lawful basis;
• use Output in high-risk contexts (e.g. medical, legal, financial, safety decisions) without independent professional review.

We may investigate and take action, including suspension, for violations.

7. Customer Content and licence

• You own your Customer Content. You grant us a worldwide, non-exclusive licence to host, process, transmit and display Customer Content solely to provide, secure and improve the Service and as instructed by your use, including sending it to AI providers to generate Output. Where we act as your processor, our DPA governs personal data.
• You represent you have the rights and any necessary consents to submit Customer Content and to enable the Integrations you connect.

8. AI Output — accuracy, ownership and responsibility

• As between you and us, you own the Output you are entitled to under applicable law, subject to third-party AI providers' terms. [CONFIRM alignment with provider terms.]
• Output may be inaccurate, incomplete, or unsuitable. AI can "hallucinate". You are responsible for reviewing and approving Output before relying on it, publishing it, or sending it — the Service provides human-in-the-loop approval controls for this purpose.
• Output is not professional advice (legal, financial, medical, or otherwise).
• Similar or identical Output may be generated for other users; we make no exclusivity guarantee over non-original Output.
• You are responsible for actions the agents take on your behalf via Integrations that you have authorised or set to operate automatically.

9. Integrations and third-party services

Integrations are provided by third parties under their own terms and privacy policies. We are not responsible for third-party services, and your use of them is at your risk. Connecting an Integration authorises the Service to access and act on it at your direction.

10. Intellectual property

The Service, including its software, models integration, UI, and trademarks, is owned by PicoCEO or its licensors and protected by law. Except for the rights expressly granted, no rights are transferred. Feedback you provide may be used by us without restriction.

11. Confidentiality

Each party will protect the other's non-public information disclosed in connection with the Service with reasonable care and use it only as needed for the Service. [Expand or reference a separate NDA if required.]

12. Data protection

Our handling of personal data is described in the Privacy Policy and, where we process personal data on your behalf, the GDPR & Data Processing Addendum, which are incorporated by reference.

13. Disclaimers

THE SERVICE AND OUTPUT ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, AND ACCURACY. We do not warrant that the Service will be uninterrupted, error-free, or secure. Nothing excludes liability that cannot be excluded by law (including certain consumer rights).

14. Limitation of liability

To the maximum extent permitted by law: (a) neither party is liable for indirect, incidental, special, consequential, or punitive damages, or lost profits, data, or goodwill; and (b) each party's total aggregate liability arising out of the Service is limited to the greater of the fees you paid in the [12] months before the claim, or [€100]. These limits do not apply to liability that cannot be limited by law, [or to your payment obligations / your indemnity / breach of the Acceptable Use section — CONFIRM carve-outs].

15. Indemnification

You will defend and indemnify PicoCEO against third-party claims arising from your Customer Content, your use of the Service in breach of these Terms, or your violation of law or third-party rights, except to the extent caused by us. [Consider a reciprocal IP indemnity from PicoCEO — decide with counsel.]

16. Term, suspension and termination

• These Terms apply while you use the Service.
• You may stop using the Service and close your account at any time.
• We may suspend or terminate access for breach, non-payment, legal risk, or misuse, with notice where practicable.
• On termination, your right to use the Service ends; Sections that by nature survive (e.g. IP, disclaimers, liability, indemnity, governing law) continue. Data handling on termination follows the Privacy Policy / DPA.

17. Changes to the Terms

We may update these Terms. Material changes will be notified by email or in-app and take effect on the stated date; continued use after that constitutes acceptance.

18. Governing law and disputes

These Terms are governed by the laws of Estonia, and the courts of Estonia (Harju County Court, Tallinn) have non-exclusive jurisdiction, without prejudice to mandatory consumer protections in your country of residence. [Add arbitration clause only if desired and enforceable.]

19. Miscellaneous

• Entire agreement. These Terms, the Privacy Policy, and any order form or DPA are the entire agreement and supersede prior agreements on the subject.
• Assignment. You may not assign these Terms without our consent; we may assign to an affiliate or in a merger/acquisition.
• Severability & waiver. If a provision is unenforceable, the rest remains in effect; no waiver is implied by delay.
• Force majeure. Neither party is liable for events beyond its reasonable control.
• Notices. We may give notices via the Service or your account email.

20. Contact

PICOCEO OÜ — Ahtri tn 12, 15551 Tallinn, Estonia · tuan@picoceo.com