Terms of Service
Last Updated: June 11, 2026
Welcome to Khio. These Terms of Service ("Terms") are a binding legal agreement between you and Khio AI ("Khio", "we", "us", or "our") and govern your access to and use of everything we offer at khio.ai, our mobile apps, and our iMessage/SMS number (collectively, the "Service"), including:
- Khio AI — our everyday AI assistant (chat, co-written documents, notebooks, and voice mode).
- Khio Study — AI study tools that turn your notes, lectures, photos, PDFs, and recordings into flashcards, quizzes, notes, mind maps, podcasts, and an AI tutor.
- Khio Text — our iMessage/SMS accountability assistant for tracking gym, nutrition, habits, sleep, cycle, budget, todos, and calendar by text, including AI-generated check-ins and conversation.
- Khio Life — the web and mobile dashboard for the features above, plus add-ons and account connections.
By signing up, texting our number, clicking "I agree", or otherwise accessing or using the Service, you acknowledge that you have read, understood, and agree to be bound by these Terms and by our Privacy Policy, which is incorporated by reference. If you do not agree, do not use the Service.
These Terms contain a binding individual arbitration agreement and a class-action waiver (Section 17) that affect your legal rights. They also limit our liability (Sections 14–16). Please read them carefully.
1. Eligibility & Age Requirements
- Minimum age. You must be at least 13 years old to use the Service. The Service is not directed to and may not be used by children under 13. We do not knowingly collect personal information from anyone under 13; if we learn we have, we will delete it. (See our Privacy Policy.)
- Minors (13–17). If you are between 13 and the age of majority where you live (typically 18), you may use the Service only with the knowledge and consent of, and under the supervision of, a parent or legal guardian who agrees to be bound by these Terms on your behalf and is responsible for your use. If you are a parent or guardian and do not consent, do not allow the minor to use the Service and contact us to remove the account.
- Capacity. By using the Service you represent and warrant that you meet these requirements, that you have the legal capacity to enter into these Terms (or have parental/guardian consent), and that you are not barred from using the Service under any applicable law.
- Termination for ineligibility. We may suspend or terminate any account we reasonably believe is held by an ineligible or underage user, at any time and without notice.
2. Your Account
You can sign in with Apple, Google, or a phone number. You are responsible for all activity that occurs under your account and for keeping your sign-in method secure and confidential. One account gives you access across Khio AI, Khio Study, Khio Text, and Khio Life. You agree to provide accurate information and to notify us promptly of any unauthorized use. We are not liable for any loss arising from unauthorized use of your account.
3. The Service Is AI — Not Professional Advice
Khio is artificial intelligence. It is not a human, and it is not a licensed professional of any kind.
- Not professional advice. Khio is not a doctor, nurse, dietitian, therapist, counselor, psychologist, psychiatrist, lawyer, accountant, or financial advisor, and using Khio does not create any professional–client, doctor–patient, or therapist–patient relationship. All output — including nutrition and calorie estimates, workout and training plans, budgeting and financial suggestions, study material, wellness or mood insights, and any conversational response — is provided for general informational and educational purposes only. Always consult a qualified, licensed professional before making any medical, mental-health, legal, financial, or other important decision.
- Accuracy & "hallucinations." AI can and does produce information that is incorrect, incomplete, outdated, biased, or entirely fabricated ("hallucinated"), and may misjudge tone or context. Do not rely on Khio for anything important without independently verifying it.
- No guaranteed outcomes. We make no promise that the Service will improve your grades, health, fitness, finances, habits, or wellbeing, or produce any particular result.
4. Health, Wellness, Emotional Support & Crisis
Khio is not a medical device, a healthcare provider, a mental-health or crisis service, or a substitute for professional care or human relationships.
- Not a mental-health or crisis service. Some features of Khio are conversational and may discuss feelings, stress, relationships, motivation, or everyday wellbeing. These features are intended as informal, supportive companionship and general encouragement — not therapy, counseling, diagnosis, treatment, intervention, or crisis support. Khio cannot assess risk, provide clinical care, or respond to emergencies, and it should never be used as a substitute for a qualified professional, a trusted adult, or appropriate medical or emergency services.
- If you are in crisis — get help now. Khio is not an emergency service and cannot help in an emergency. If you are in danger, or thinking about harming yourself or others, stop using the Service and contact emergency services immediately (call or text 988 for the Suicide & Crisis Lifeline in the US and Canada, call 911 or your local emergency number, or go to your nearest emergency room). You can also reach a person at the Crisis Text Line by texting HOME to 741741 (US/Canada).
- For minors. If you are a young person and you are struggling, please also talk to a parent, guardian, teacher, school counselor, doctor, or another trusted adult. Khio is not a replacement for real-world support.
- Reliance is at your own risk. You understand and agree that any decision you make based on Khio's wellness, emotional, or health-related output is your own responsibility, and that, to the fullest extent permitted by law, we are not responsible for the consequences of those decisions.
5. Assumption of Risk
You acknowledge that AI assistants have inherent limitations and risks, including inaccurate output and the possibility of unexpected or inappropriate responses. You choose to use the Service voluntarily and at your own risk, and you assume full responsibility for how you use Khio's output and for any decisions or actions you take (or do not take) based on it. You agree not to use the Service as your sole source of information for, or as a substitute for professional judgment in, any medical, mental-health, legal, financial, safety, or other consequential matter.
6. Messaging Terms (iMessage / SMS)
If you text Khio or provide your phone number, you consent to receive automated and AI-generated messages from us, including check-ins, reminders, account messages, and replies to your messages.
- Message frequency varies based on how you use Khio. Message and data rates may apply from your carrier. Carriers are not liable for delayed or undelivered messages.
- Reply STOP at any time to stop messages, or HELP for help. You can also manage notifications in your settings.
- Consent to receive messages is not a condition of any purchase. You represent that you are the owner or authorized user of the number you provide.
7. Connected Accounts & Third-Party Services
You may choose to connect third-party accounts (for example Google Calendar and Gmail, school email, or other services) so Khio can read and act on them for you. You control these connections: you grant access during a secure sign-in flow and can disconnect them at any time from your settings. We only use connected-account data to provide the features you asked for, as described in our Privacy Policy. Some connections are in beta and may show a provider warning during setup. Your use of any third-party service is governed by that third party's own terms and privacy policies, and we are not responsible for third-party services, their availability, or their acts or omissions.
8. Acceptable Use
You agree not to use, and not to attempt to use, the Service to:
- Generate, request, upload, or distribute content that is illegal, harmful, threatening, harassing, hateful, defamatory, sexually exploitative (including any sexual content involving minors), or that promotes self-harm, violence, or dangerous activities;
- Violate any law or anyone's privacy, publicity, contractual, or intellectual-property rights;
- Impersonate any person or misrepresent your age, identity, or affiliation;
- Attempt to break, disable, overload, probe, reverse-engineer, decompile, scrape, or circumvent the Service, its security, its rate limits, or its AI quotas; or to extract or replicate the underlying models;
- Use the Service, or its outputs, to develop or train a competing product or model;
- Upload malware, or use the Service in any way that could harm Khio, other users, or any third party.
We may investigate, remove content, and suspend or terminate accounts that violate these Terms or that we believe pose a risk to anyone, with or without notice.
9. Your Content
You keep ownership of the content you create, upload, or send (your messages, notes, files, documents, recordings, and the material Khio generates for you) ("Your Content"). You grant Khio a worldwide, non-exclusive, royalty-free license to host, store, reproduce, process, transmit, and display Your Content solely to operate, secure, support, and improve the Service for you — for example, sending it to our AI providers to generate a response. We do not sell Your Content, and we do not use Your Content to train third-party foundation models. You are solely responsible for Your Content and represent that you have the rights necessary to share it and that it does not violate these Terms or any law. See our Privacy Policy for details on how we handle your data.
10. Our Intellectual Property
The Service, including its software, design, branding, name, logos, and all related intellectual property (excluding Your Content), is owned by Khio or its licensors and is protected by law. We grant you a limited, personal, non-exclusive, non-transferable, revocable license to use the Service for your own personal, non-commercial use in accordance with these Terms. No other rights are granted.
11. Subscriptions, Billing & Trials
Khio is a premium product. Some experiences begin with a free trial, after which a paid subscription is required to continue.
- Plans & pricing. Khio Premium is offered on a monthly or yearly basis. Current pricing is shown at checkout and in your settings (for example, $14.50/month or $109.99/year). Prices may change; we will give notice where required, and changes apply to renewals after the notice.
- Free trial. Trials (for example, a 3-day trial) may require a payment method. Unless you cancel before the trial ends, it converts to a paid subscription automatically and your payment method is charged.
- Where you're billed. Web purchases are billed through Stripe. Mobile in-app purchases are billed through Apple (via the App Store / RevenueCat). You manage and cancel a subscription on the same platform where you bought it.
- Auto-renewal & cancellation. Subscriptions renew automatically at the then-current price until cancelled. You can cancel anytime; access continues until the end of the current billing period. Except where required by applicable law, all payments are non-refundable and there are no refunds or credits for partial periods.
12. Suspension & Termination
You may stop using the Service and delete your account at any time from in-app settings, which removes your data as described in our Privacy Policy. We may suspend, restrict, or terminate your access to the Service at any time if you violate these Terms, if required by law, or to protect the Service or others. If you subscribed through Apple, deleting your Khio account does not automatically cancel your App Store subscription — manage that with Apple directly. Sections that by their nature should survive termination (including Sections 3–5, 9–10, and 14–19) will survive.
13. Changes to the Service & These Terms
We are actively building Khio and may add, change, suspend, or remove features at any time. We may also update these Terms; if we make material changes, we will update the "Last Updated" date and, where appropriate, provide additional notice. Your continued use of the Service after changes take effect means you accept the updated Terms. If you do not agree, stop using the Service.
14. Disclaimer of Warranties
THE SERVICE AND ALL CONTENT AND OUTPUT ARE PROVIDED "AS IS" AND "AS AVAILABLE", WITH ALL FAULTS AND WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE MAXIMUM EXTENT PERMITTED BY LAW, KHIO DISCLAIMS ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, SECURE, ERROR-FREE, OR THAT ANY OUTPUT WILL BE ACCURATE OR RELIABLE. SOME JURISDICTIONS DO NOT ALLOW CERTAIN DISCLAIMERS, SO SOME OF THE ABOVE MAY NOT APPLY TO YOU.
15. Limitation of Liability
TO THE MAXIMUM EXTENT PERMITTED BY LAW, KHIO, ITS FOUNDERS, OWNERS, EMPLOYEES, CONTRACTORS, AND SUPPLIERS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF DATA, PROFITS, REVENUE, OR GOODWILL, ARISING OUT OF OR RELATING TO THE SERVICE OR THESE TERMS, WHETHER BASED IN CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER THEORY, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. KHIO'S TOTAL CUMULATIVE LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) USD $100.
Some jurisdictions do not allow the exclusion or limitation of certain damages (such as for death or personal injury caused by negligence, fraud, or other liability that cannot be limited by law). In those jurisdictions our liability is limited to the smallest extent permitted by law, and nothing in these Terms limits any rights you have that cannot be waived.
16. Indemnification
To the maximum extent permitted by law, you agree to defend, indemnify, and hold harmless Khio and its founders, owners, employees, and contractors from and against any claims, liabilities, damages, losses, and expenses (including reasonable legal fees) arising out of or related to: (a) your use or misuse of the Service; (b) Your Content; (c) your violation of these Terms or any law; or (d) your violation of any third-party right. If you are a parent or guardian who has consented to a minor's use, this obligation also applies to the minor's use of the Service.
17. Dispute Resolution — Arbitration & Class-Action Waiver
Please read this section carefully — it affects how disputes are resolved and waives your right to a jury trial and to participate in a class action.
- Informal resolution first. Before starting any formal proceeding, you agree to contact us at [email protected] and try in good faith to resolve the dispute for at least 30 days.
- Binding arbitration. Except as set out below, any dispute, claim, or controversy arising out of or relating to the Service or these Terms that is not resolved informally will be resolved by final and binding individual arbitration, rather than in court, administered by a recognized arbitration provider under its consumer rules. Judgment on the award may be entered in any court with jurisdiction.
- Class-action & jury waiver. You and Khio agree that each may bring claims against the other only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. You and Khio waive any right to a jury trial.
- Exceptions. Either party may bring an individual claim in small-claims court, and either party may seek injunctive relief in court for intellectual-property or unauthorized-access claims. Nothing here requires arbitration of any claim that applicable law does not permit to be arbitrated, including, where applicable, certain claims involving minors.
- Opt-out. You may opt out of this arbitration agreement within 30 days of first accepting these Terms by emailing [email protected] with your name and a statement that you opt out. Opting out does not affect the rest of these Terms.
18. Governing Law & Venue
These Terms and any dispute relating to them or the Service are governed by the laws of the Province of Alberta, Canada, without regard to its conflict-of-laws rules. Subject to the arbitration agreement above, the exclusive venue for any permitted court proceeding will be the courts located in that jurisdiction, and you consent to their personal jurisdiction. Nothing in this section deprives you of the protection of mandatory consumer-protection laws of your place of residence.
19. General
- Entire agreement. These Terms and the Privacy Policy are the entire agreement between you and Khio regarding the Service and supersede any prior agreements.
- Severability. If any provision is held unenforceable, it will be limited or removed to the minimum extent necessary, and the rest of the Terms remain in effect.
- No waiver. Our failure to enforce any 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.
- Force majeure. We are not liable for any delay or failure caused by events beyond our reasonable control.
- Headings. Section headings are for convenience only.
20. Contact
Questions about these Terms? Email [email protected].
© 2026 Khio AI. See also our Privacy Policy.