Terms of Service

1) Who we are

Sjo is provided by:

Operated by

[Your full name] (private individual, not yet a registered company)

Email

[support@your-domain]

2) The Service and who may use it

Sjo is an AI executive for founders and their teams. It keeps your company context (numbers, hard rules, decisions, assumptions and evidence), answers questions, recommends actions, and runs team decisions without a meeting.

• Business use. Sjo is built and sold for business use. By using it you confirm you are acting for a business (including as a sole trader), and, if you accept these Terms for a company, that you are authorized to bind it. “You” then means that company.
• Age. You must be at least 18 years old.
• Consumers. If you nevertheless use Sjo as a consumer, mandatory consumer law of your country applies and overrides anything in these Terms that conflicts with it.

3) AI output and your decisions

Sjo's answers are generated by artificial intelligence. They can be incomplete, out of date or wrong, even when they sound confident and even when they are based on your own numbers.

• Sjo is a decision-support tool. It is not a licensed financial, investment, legal, tax, accounting or employment adviser, and its output is not professional advice.
• You make and are responsible for your decisions. Check anything material (spending, hiring, pricing, fundraising, legal or tax matters) with a qualified professional before relying on it.
• Calculators, runway figures and forecasts are estimates based on the inputs you give and the data you connect.

4) Accounts, workspaces and teams

• Keep your sign-in secure. You are responsible for activity on your account.
• Each company has a workspace. The workspace owner controls who is invited and what is connected. Everyone in a workspace can see the company data, decisions and clarity requests shared in it.
• When you invite teammates, you are responsible for having a lawful basis to share their email with us and for making sure they use Sjo in line with these Terms.

5) Your data and connected services

Your Content means what you or your team put into Sjo: messages, company facts and numbers, files and imports, hard rules, decisions, and data synced from tools you connect.

• You own Your Content. You give us a limited, non-exclusive licence to host, process and display it only to provide, secure and support the Service for you, and as described in the Privacy Policy. We do not sell it and do not share it with retailers, advertisers or data partners.
• Connected services. If you connect Stripe, you give Sjo a restricted, read-only API key. We store it encrypted and use it only to read subscription data to calculate your metrics. You can disconnect at any time. Your use of a connected service stays governed by that service's terms.
• Other people's data. Your Content may contain personal data about your customers, teammates or others (for example client names on imported invoices). You confirm you have the right to share it with us. For that data you are the controller and Sjo processes it on your behalf under our Data Processing Agreement, which applies automatically.
• Export and deletion. You can export or delete your data at any time from Privacy → Your data.
• Model training. We do not use Your Content to train AI models unless you opt in. Our AI provider does not train its models on the data we send it.

6) Free plan, subscriptions and billing

• New accounts start with 20 free messages. We may change or end the free allowance for new signups at any time.
• Paid plans are monthly subscriptions billed in advance through Stripe. They renew automatically each month until you cancel.
• Prices are shown on Pricing and at checkout. VAT or sales tax is calculated at checkout based on your location and tax ID, where applicable.
• Cancel any time from Manage billing in your account. Cancellation stops the next renewal; you keep access until the end of the period already paid.
• If a payment fails we may retry it and, if it still fails, pause paid features until it is resolved.

Price changes

We will not change the price of a billing period you have already paid for. If we change the recurring price of your plan, we will tell you at least 30 days before it applies to you, so you can cancel before the renewal at the new price.

Founding members

If you enrolled at a founding rate, the introductory price applies for the number of monthly billing cycles stated at checkout, after which your subscription renews at the then-current standard price. Founding status (number and badge) is personal, cannot be transferred, lasts while your subscription stays active, and ends permanently on cancellation, refund or termination for breach. If we discontinue your plan, we will either move you to a comparable plan with founding status kept, or refund the unused part of your current period.

7) Refunds

• Because Sjo is sold for business use, the statutory 14-day right of withdrawal for consumer distance purchases does not apply. If you are a consumer, your statutory rights apply in full and are not limited by this section.
• We offer a goodwill refund of your first subscription payment when both are true: you ask within 14 days of that payment, and the account has used fewer than 20 chat exchanges since it. A chat exchange is one message you send and the reply Sjo returns; background processing does not count.
• Ask through the contact form below or the Support page, using the email on your account. Your account page shows a live estimate of eligibility where available.
• Other refunds are at our discretion, unless the law requires them.

8) Acceptable use

You may not:

• break the law, infringe others' rights, or upload data you have no right to share;
• upload malware, or try to breach security, rate limits, usage limits or payment controls;
• scrape, reverse engineer, resell, or access Sjo by automated means other than features we provide;
• use Sjo to build a competing product or to extract its prompts or models;
• try to re-identify anonymized or aggregated data;
• use Sjo to harass, deceive or harm others, or to make decisions with legal effect on individuals (such as hiring or firing) without human review.

9) Intellectual property

Sjo, including its software, design, prompts, models, brand and documentation, belongs to us and our licensors. These Terms give you a personal, non-transferable right to use the Service while your account is in good standing. Output Sjo generates for you is yours to use, subject to these Terms. We may use aggregated, non-identifying usage statistics (for example how often a feature is used) to run and improve Sjo. If you send us feedback, we may use it without obligation to you.

10) Availability and changes to the Service

We work to keep Sjo available but do not guarantee it will be uninterrupted or error-free. We may add, change or remove features. If we remove a material paid feature or shut down the Service, we will give reasonable notice where possible and refund prepaid fees for the unused period.

11) Suspension and termination

You can stop using Sjo and delete your account at any time. We may suspend or close an account if we reasonably believe it breached these Terms, was used for fraud or abuse, poses a security risk, or if the law requires it. Where practical we will warn you first and give you a chance to export your data. After closure we delete your data as described in the Privacy Policy. Sections that by their nature should survive (including 5, 9, 12 and 14) continue to apply.

12) Liability

• The Service is provided “as is”. To the extent the law allows, we disclaim implied warranties, including fitness for a particular purpose.
• Neither party is liable for indirect or consequential loss, including lost profits, revenue, data or business opportunity, or for losses caused by decisions you make based on Sjo's output.
• Our total liability arising from these Terms in any 12-month period is limited to the fees you paid us in the 12 months before the event giving rise to the claim.
• These limits do not apply to liability for intent or gross negligence, or to any liability that cannot be limited under mandatory law.

13) Your responsibility for Your Content

You will compensate us for third-party claims that arise because Your Content, or your use of Sjo, breaks the law or these Terms, including claims that you had no right to share personal data with us.

14) Governing law and disputes

Please contact us first so we can try to resolve any issue informally. These Terms are governed by Swedish law, excluding its conflict-of-law rules. Disputes are decided by Swedish courts, with Stockholm District Court (Stockholms tingsrätt) as the court of first instance. If you are a consumer you may also bring a claim where you live and may contact the National Board for Consumer Disputes (Allmänna reklamationsnämnden, ARN).

15) Changes to these Terms

We may update these Terms. For material changes we will tell you by email or in the product at least 30 days before they take effect, unless a change is required sooner by law or to address security or abuse. If you do not agree, you can cancel before the change applies. Continuing to use Sjo after it takes effect means you accept it. If a change would expand how we share your personal data, we will ask for your explicit consent first.