Terms of Service

These Terms of Service ("Terms") form an agreement between you ("you" and "your") and Signull Labs Inc., a Delaware corporation ("Company," "we," "us," or "our") and governs your use of the Skye mobile application and related services (the "App"). By downloading, installing, or using the App, you agree to be bound by these Terms.

Your use of the App is also governed by our Privacy Policy and our Acceptable Use Policy, each incorporated by reference.

We may update these Terms from time to time with at least 30 days' notice for material changes via email or in-App notification. Continued use after notice constitutes acceptance. If you disagree, you must cease use and delete the App.

1. Description of the Service

1.1 Overview. Skye is an ambient AI assistant that generates a personalized, AI-curated feed of contextual intelligence by analyzing data from your connected services. The App provides daily audio briefings, real-time contextual cards, proactive suggestions, and AI-powered agents that operate across your connected data sources to deliver summaries, recommendations, and actionable insights. All content generated by the App is produced by artificial intelligence systems.

1.2 Connected Services. The App integrates with third-party services including email (Gmail, iCloud Mail), calendars and contacts (Google), messaging (Slack), social (X), music (Spotify), health and fitness (Apple Health, Whoop), financial accounts and transactions (via Plaid, read-only), reminders, and additional services we may add ("Third Party Services"). Each connection requires your explicit consent. You may manage, add, or disconnect services at any time through the App's settings. Third party services may change their APIs, permissions, availability, rate limits, or terms at any time, and may suspend or revoke our or your access. We are not responsible for resulting interruptions, degraded functionality, or failed actions.

1.3 AI-Inferred Data. The App uses artificial intelligence to infer information about you, including relationships, behavioral patterns, preferences, and contextual insights ("Memories"). Memories are stored on our servers, encrypted at rest, and retained until you ask us to delete them. To see, correct, or delete what the App has inferred about you, email privacy@signulllabs.com.

1.4 Proactive Actions and Agentic Features. Certain features may take or draft actions on your behalf across the services you connect, such as creating or updating a reminder, setting an alarm, adding a detail to a contact, reading and triaging your mail, drafting or sending a message, scheduling or changing a meeting, and other tasks we may add. As of the date of these Terms, the App presents each action to you and carries it out only after you confirm it. We may introduce features that carry out routine actions without asking each time; any such feature will be described before you enable it, will remain off until you enable it, and can be turned off or returned to confirm-first in the App's settings. You acknowledge that any action taken by the App at your direction or pursuant to your configured preferences is deemed to be your action, and you accept responsibility for the consequences of such actions, including any communications sent, calendar modifications made, or other changes effected by the App on your behalf. You are responsible for reviewing and configuring action preferences in the App's settings, for reviewing each action you confirm, and for reviewing actions after execution. Agentic features may rely on incomplete, outdated, conflicting, or ambiguous data from connected services, third-party platforms, or your settings. You remain responsible for reviewing consequential actions & outputs before relying on them.

1.5 Location-Based Features. The App may derive your approximate location from connected services (calendar event locations, email content, IP address) and Apple's location services (with your permission) to provide commute estimates, weather, and nearby recommendations. You can control location features through App settings and device permissions.

1.6 AI Transparency Disclosure. In compliance with applicable laws including the EU AI Act, we disclose that: (a) all briefings, context cards, summaries, recommendations, and other personalized content are generated by artificial intelligence; (b) Memories are inferred by AI and may not be accurate; (c) the App uses AI to process your connected service data; and (d) when the App communicates or acts on your behalf, it does so as an AI system. You should not represent AI-generated Output as human-created content.

2. Eligibility

2.1 Age Requirements. You must be at least 13 years old. In the EEA, UK, or Switzerland, you must be at least 16 (or the local minimum). Users below the applicable age need verifiable parental consent.

2.2 Capacity. You represent and warrant that you meet these requirements and can legally enter these Terms.

3. Accounts and Data Connections

3.1 Account Creation. You must create an account to use the App via Apple Sign-In or other supported methods.

3.2 Account Security. You are responsible for maintaining credential confidentiality and all activities under your account. Notify us immediately of unauthorized use.

3.3 Third-Party Services. You must maintain valid accounts with connected Third Party Services. Their use is governed by their own terms. We are not responsible for their availability, accuracy, or conduct.

4. App Usage Rights

Subject to these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable right to download, access, and use the App for personal, non-commercial purposes. The App may include open-source components subject to their applicable licenses.

5. Acceptable Use

You agree not to (and not to permit any other person to):

• Use the App in violation of any applicable law, rule, or regulation
• Use the App with data or content that infringes third-party rights
• Represent AI-generated Output as human-created content
• Attempt unauthorized access to our systems or other users' data
• Copy (except for backup), modify, sell, sublicense, or distribute the App
• Reverse engineer, decompile, or disassemble the App (except where prohibited by applicable law)
• Use the App to create a competitive product or service
• Transmit harmful code, malware, or malicious software
• Interfere with the App's functionality, servers, or security
• Use the App for AI training, model development, or ML purposes without prior written consent
• Use the App to send unsolicited communications, spam, or bulk messages
• Circumvent rate limits, usage restrictions, or safety features

We may establish additional usage guidelines in a separate Acceptable Use Policy, which is incorporated into these Terms by reference.

6. Subscription and Payment

6.1 Free and Paid Features. The App currently offers certain features free of charge. We may introduce paid plans or per-feature pricing ("Paid Services") with at least 30 days' notice.

6.2 Billing. If you purchase Paid Services, you authorize recurring charges to your payment method. Fees are in USD unless otherwise indicated. Subscriptions purchased through the Apple App Store are subject to Apple's terms regarding billing, refunds, and subscription management.

6.3 Cancellation. Cancel anytime through the App, your Apple App Store account, or by contacting us. Cancellation takes effect at the end of the current billing period. No pro-rata refunds for partial periods except where required by law.

6.4 Statutory Cooling-Off Periods. If you are in the EEA, UK, Switzerland, Australia, or another jurisdiction with mandatory withdrawal rights, you may cancel within the statutory period (typically 14 days) for a full refund, provided you have not commenced use of the Paid Services or have otherwise waived your withdrawal right per applicable law.

6.5 Price Changes. We may change pricing with at least 30 days' notice. Continued use constitutes acceptance.

6.6 Taxes. All fees are exclusive of applicable taxes. You are responsible for any taxes associated with your use of Paid Services, other than taxes on our net income.

7. Intellectual Property

7.1 Our IP. The App, all software, technology, algorithms, models, content, and methodologies ("Company Property"), and all IP rights therein, are owned by us or our licensors.

7.2 Your Content. You retain ownership of data you provide ("Input") and output derived from it ("Output," together "Your Content"). You grant us a limited, non-exclusive, royalty-free license to process Your Content solely to:

• Provide, maintain, and improve the App's functionality
• Generate personalized content, context cards, memories, and briefings
• Create anonymized, aggregated usage analytics
• Comply with legal obligations

This license terminates when you delete your account or Your Content, except where retention is required by law.

7.3 AI-Generated Content. Output may incorporate Company Property. We grant you a limited, non-exclusive, non-transferable right to use Output for personal purposes. Output may not be unique; other users may receive similar content.

7.4 No AI Training. We do not use Your Content to train, fine-tune, evaluate, benchmark, or improve any AI models or algorithms. Our third-party AI providers — listed in Table 1 of the Privacy Policy — are contractually prohibited from doing so.

7.5 Feedback. Feedback you provide is licensed to us on an unrestricted, perpetual, irrevocable, royalty-free basis.

8. Data Handling and Privacy

8.1 Data Retention. We retain data for varying periods based on category and legal requirements, summarized in our Privacy Policy. Key periods: most connected-service data — including emails, calendar events, messages, location, health samples and financial transactions — is retained for no longer than 90 days, measured from the point stated for each category in the Privacy Policy's retention schedule, and is frequently deleted or scrubbed sooner. Records the App holds as a live mirror of a connected source — contacts, reminders, financial accounts and their balances, investment holdings and health roll-ups — persist while that source stays connected, and are removed when you disconnect it or delete your account. AI-inferred Memories and Relationships are retained until you ask us to delete them.

8.2 Third-Party AI Processing. Our AI providers — OpenAI, Anthropic, Google (Gemini), Groq and ElevenLabs — process data under contractual zero-data-retention. They do not retain or use your data for training. To answer a question or build a card, a provider may run a web search; we instruct the model to keep your personal data out of those queries.

8.3 Plaid. Financial connections use Plaid Inc., which may retain data per its own privacy policy (https://plaid.com/legal/). Plaid operates under the Gramm-Leach-Bliley Act and provides its own privacy notice for financial data.

8.4 Health Data. Health and fitness data, whether from Apple Health or a connected wearable, is classified as sensitive personal data under applicable law (GDPR Article 9, CCPA sensitive data). We process health data only with your explicit consent, solely to provide health-related features in the App. You can disconnect a health source at any time.

8.5 Data Breach Notification. In the event of a security breach affecting your personal data, we will notify you and applicable regulatory authorities in accordance with applicable law (including within 72 hours for GDPR-regulated breaches where required).

8.6 Privacy Policy. Comprehensive data practices are described in our Privacy Policy.

9. Warranty Disclaimer and AI Limitations

9.1 AI Limitations. You acknowledge that: (a) AI-generated content may be incorrect, incomplete, or inappropriate; (b) Memories may contain errors; (c) automated actions may produce unintended results; (d) the App relies on third-party data sources that may be inaccurate or unavailable; and (e) the App is not a substitute for professional financial, medical, legal, or other advice.

9.2 WARRANTY DISCLAIMER. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE APP IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND. WE DISCLAIM ALL WARRANTIES, EXPRESS, IMPLIED, OR STATUTORY, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT UNINTERRUPTED, ERROR-FREE, OR SECURE OPERATION, OR ACCURACY OF AI OUTPUT. THIS DISCLAIMER DOES NOT AFFECT STATUTORY RIGHTS THAT CANNOT BE EXCLUDED UNDER APPLICABLE LAW, INCLUDING CONSUMER PROTECTION LAWS AND THE AUSTRALIAN CONSUMER LAW.

10. Limitation of Liability

11. Indemnification

To the extent permitted by applicable law, you agree to indemnify and hold harmless Signull Labs Inc. and its affiliates, officers, directors, employees, and agents from claims, damages, losses, or expenses arising from: (i) your use of the App; (ii) your use of Third Party Services; (iii) Your Content; (iv) actions taken by the App on your behalf pursuant to your configured preferences; (v) your violation of law; or (vi) your violation of these Terms. This does not apply where prohibited by law or to claims arising from our negligence or willful misconduct.

12. Termination

12.1 By You. Stop using and delete the App at any time. Request account deletion via settings. Data is deleted per our retention schedule.

12.2 By Us. We may terminate or suspend access immediately for Terms violations, legal requirements, or cessation of the App, with advance notice where practicable.

12.3 Effect. Usage rights cease immediately. To receive a copy of your data before termination, email privacy@signulllabs.com. Sections 7, 9, 10, 11, 13, and 17 survive termination.

13. Dispute Resolution

13.1 Governing Law. For US and non-EU/UK users: Delaware law. For EEA, UK, and Swiss users: your local law, with mandatory consumer protections preserved.

13.2 US Arbitration. US users agree to binding arbitration via the American Arbitration Association, conducted by a single arbitrator by videoconference or in Delaware. Judgment on any award may be entered in any court of competent jurisdiction.

13.3 Arbitration Opt-Out. You may opt out of arbitration by sending written notice to legal@signulllabs.com within 30 days of first accepting these Terms or within 30 days of any update to this arbitration provision. If you opt out, disputes will be resolved in the state or federal courts of Delaware.

13.4 International Users. EEA, UK, and Swiss users may pursue disputes in local courts. Australian users retain all rights under the Australian Consumer Law. Nothing limits your right to bring proceedings in your jurisdiction.

13.5 Class Action Waiver. To the extent permitted by law, disputes are resolved individually. Users in jurisdictions where class action waivers are prohibited (including the EEA, UK, and Australia) retain collective action rights.

13.6 Exceptions. Arbitration does not apply to: (a) small claims court actions; (b) injunctive relief for IP infringement or misuse.

14. Copyright Claims

We respect intellectual property rights and comply with the Digital Millennium Copyright Act (DMCA). If you believe content in the App infringes your copyright, send a written notice to our designated agent containing:

• A physical or electronic signature of the copyright owner or authorized agent
• Identification of the copyrighted work claimed to be infringed
• Identification of the allegedly infringing material and its location
• Your contact information (address, phone, email)
• A statement of good-faith belief that the use is not authorized
• A statement under penalty of perjury that your notice is accurate and you are authorized to act

DMCA Agent: admin@signulllabs.com

We may terminate accounts of repeat infringers at our discretion.

15. Trade Laws

You must comply with all applicable trade, sanctions, and export laws. You may not use or transfer the App to restricted persons, entities, or jurisdictions.

16. Apple App Store Provisions

If you downloaded the App from the Apple App Store, the following additional terms apply:

• These Terms are between you and Signull Labs Inc. only, not Apple Inc. Apple has no obligation to furnish maintenance or support services.
• In the event of the App's failure to conform to any applicable warranty, you may notify Apple for a refund of the purchase price (if any). Apple has no other warranty obligation.
• Apple is not responsible for addressing any claims relating to the App or your use of it, including product liability, regulatory compliance, or IP infringement claims.
• Apple and its subsidiaries are third-party beneficiaries of these Terms and, upon your acceptance, Apple has the right to enforce these Terms against you as a third-party beneficiary.
• You represent that you are not located in a country subject to a U.S. government embargo or designated as a "terrorist supporting" country, and you are not on any U.S. government restricted party list.

17. General

18. Contact Information