Terms of Service

1. Acceptance

By creating a Multio account or using the service, you agree to these terms. If you don't agree, don't use Multio.

2. Account

You must be at least 18 years old to use Multio. You agree to provide accurate information when signing up and to keep your credentials secure. You're responsible for activity that happens under your account.

One person, one account. Sharing a single account across multiple humans isn't allowed — it breaks rate limits and our usage accounting.

3. Subscription & billing

Paid plans are billed in advance on a recurring basis (monthly or annually, depending on the plan you pick). Subscriptions auto-renew unless you cancel. You can cancel anytime from /billing; cancellation takes effect at the end of the current period and you keep your tokens until then.

Plan changes (upgrade or downgrade) are queued for the end of the current billing cycle. All payments are final and non-refundable except as described in our Refund Policy.

Payments are processed by Dodo Payments. You're responsible for any taxes that apply in your jurisdiction.

4. Acceptable use

You agree not to use Multio to:

• generate, distribute, or solicit illegal content, including CSAM, content that infringes others' rights, or content that violates the underlying model providers' policies;
• harass, threaten, or target others; generate disinformation at scale; or impersonate another person or entity;
• scrape, crawl, or systematically extract data from Multio at scale, or attempt to reverse-engineer rate limits or authentication;
• resell tokens, repackage Multio access, or operate a paid proxy/relay using your account's credits;
• build a competing AI chat product using Multio as the inference backend.

Underlying model providers (OpenAI, Anthropic, Google, xAI, Mistral, and others) have their own usage policies. By routing through Multio you also agree to those policies for the model you choose.

5. Your content and AI outputs

You retain ownership of the prompts, files, and other content you submit ("Your Content") and, as between you and Multio, of the outputs generated for you, subject to the terms of the underlying model provider for the model you used. To operate the service we need a limited license: you grant Multio a worldwide, non-exclusive, royalty-free license to host, store, transmit, display, process, and create incidental copies of Your Content as needed to provide, secure, and improve the service. This license does not grant Multio the right to sell Your Content or to use it to train AI models.

You are solely responsible for Your Content. You represent and warrant that you have all rights necessary to submit it and that it does not violate any law, contract, or third-party right.

AI outputs are not unique. The same or a similar prompt run by someone else can produce the same or a near-identical answer, and an output you generate may overlap with one another user generates. We don't guarantee outputs are original, correct, free of third-party rights, or suitable for what you want to do with them. Acting on an output is your call and your risk.

5a. Multio's intellectual property

The Multio service, including its software, interfaces, designs, logos, trademarks, model configurations, prompts, evaluation harnesses, and documentation, is owned by Multio and its licensors and is protected by intellectual-property laws. Except for the limited right to use the service granted by these terms, no rights are granted to you. You may not copy, modify, distribute, reverse-engineer, decompile, scrape, frame, or create derivative works of the service, and you may not remove or alter any proprietary notices.

5b. Feedback

If you send us suggestions, ideas, or feedback about the service, you grant Multio a perpetual, irrevocable, worldwide, royalty-free, sublicensable license to use them for any purpose without obligation or attribution.

6. Data & privacy

How we handle your data is described in our Privacy Policy. The short version: we don't train AI models on your chats, files, or metadata, and you can delete your data at any time.

7. Service availability

We provide Multio on a best-effort basis. Free-tier usage has no uptime guarantee. Paid plans get priority routing and faster support, but we don't offer a formal SLA in v1. We'll announce planned maintenance in advance when we can.

8. Termination

You can close your account at any time from settings. We may suspend or terminate accounts that violate these terms, abuse the service, or trigger repeated chargebacks without prior support contact. If we terminate for cause, we may forfeit unused tokens.

9. Disclaimers

AI outputs may be inaccurate, biased, or out of date. Don't rely on Multio for medical, legal, financial, or other professional advice without verification. The service is provided "as is," without warranties of any kind, to the maximum extent allowed by law.

10. Limitation of liability

So far as the law allows, Multio and its team, contractors, and suppliers are not on the hook for any indirect, incidental, special, consequential, exemplary, or punitive losses, including lost profits, lost revenue, lost data, business interruption, or damage to reputation — even if we knew such loss was possible.

For everything we are on the hook for, our total combined liability for any claim tied to these terms or the service is capped at whichever is larger: $100 or the fees you actually paid Multio in the three months before the event that triggered the claim. Some places don't allow these caps; if yours is one, parts of this section may not apply to you.

11. You cover us

If anyone brings a claim against Multio (or our team) because of something you did, uploaded, generated, or shared while using the service, you agree to defend us, pay our reasonable legal fees, and cover any damages or settlements that result. This applies to claims tied to Your Content, your use of the service, your breach of these terms, or your violation of someone else's rights or any law. We may take over the defense ourselves if we choose; if we do, you'll cooperate with us.

12. Disputes

Talk first. Before anyone files anything, you agree to email legal@multio.chat with what's wrong and how to reach you, and to give us 30 days to work it out. Most things get sorted here.

Individual arbitration. If we can't fix it informally, both of us agree to settle the dispute through binding one-on-one arbitration rather than in court. We'll pick a recognized arbitration body (JAMS, AAA, or an equivalent) by mutual agreement once a dispute is filed. Hearings are in English. The arbitrator's decision is final.

No class actions. Claims between you and Multio must be brought one-on-one. Neither side may join, consolidate, or proceed as part of a class, collective, or representative action.

Carve-outs. Either side can still go to small-claims court for things that fit there, and either side can ask any court for an injunction to stop intellectual-property infringement, leaks of confidential information, or violations of the acceptable-use rules.

Opt out. You can opt out of the arbitration and no-class-actions parts of this section by emailing legal@multio.chat with subject "Arbitration Opt-Out" within 30 days of first accepting these terms.

Where this applies. Multio is run by a small team that hasn't yet completed incorporation in any single jurisdiction. Disputes are resolved in good faith under the laws applicable to the operating team's location at the time the dispute is filed. Once Multio formally incorporates, this section will be updated to name the governing law and venue, and we'll give 30 days' notice in-app or by email before the change takes effect. The earlier arbitration and class-action terms continue to apply throughout.

13. Copyright takedowns

If something on Multio infringes your copyright, send a DMCA takedown to legal@multio.chat. Include: the work you own, where the infringing material lives on Multio, how to reach you, a sentence saying the use isn't authorized, a sentence — under penalty of perjury — that your notice is accurate and you're the rights-holder (or authorized to act for them), and your signature (typed is fine). Accounts that infringe repeatedly get banned.

14. Sanctions

You promise you're not in a country under broad U.S. or international sanctions, and you're not on any government restricted-parties list. Multio relies on this — using the service from such a place is a breach of these terms.

15. Stuff outside our control

We're not on the hook for downtime or delays caused by things beyond our reasonable control: model-provider outages, DDoS, ISP failures, power cuts, natural disasters, war, or government action. We'll get back to normal as fast as we can.

16. Changes

We may update these terms as Multio evolves. Material changes will be announced by email or in-app at least 14 days before they take effect. Continued use after the effective date counts as acceptance.

17. Fine print

• These terms — plus the Privacy Policy and Refund Policy — are the whole deal between you and Multio about the service. They replace any earlier promises, decks, or chats on the same topic.
• If a court strikes down one part, the rest still stands.
• If we don't enforce a right right away, that's not us giving it up.
• You can't transfer your account or these terms to anyone else without us agreeing in writing. We can transfer ours if and when Multio incorporates, gets acquired, or restructures.
• Nobody outside you and Multio gets to enforce these terms.
• Reach Multio at legal@multio.chat; we'll reach you at the email on your account.

18. Contact

Questions about these terms: legal@multio.chat.