1. Introduction & acceptance

These Terms of Service (“Terms”) govern your use of the Lumio Copilot iOS application (the “App”) and the marketing website at lumio.lumo-studios.com (the “Site”), each made available by Lumo Studios LLC, a California limited liability company (“Lumo Studios,” “we,” “us,” or “our”).

By installing, accessing, or using the App or Site, you agree to these Terms. If you do not agree, do not install, access, or use the App or Site.

2. License

Subject to these Terms, Lumo Studios LLC grants you a personal, non-exclusive, non-transferable, non-sublicensable, revocable license to install and use the App on iOS devices that you own or control, solely for your personal, non-commercial use. This license terminates automatically if you violate these Terms.

The App, the Site, all software, all content, and all related intellectual property are and remain the property of Lumo Studios LLC and its licensors. Apple's standard EULA (the Licensed Application End User License Agreement) applies to the App as distributed through the App Store, except to the extent these Terms expand or supplement it.

3. Eligibility

You must be at least 13 years old, or the minimum age of digital consent in your jurisdiction (whichever is higher), to use the App. If you are under 18 (or the age of majority where you live), a parent or legal guardian must accept these Terms on your behalf and is responsible for your use of the App.

You may not use the App if you are barred from doing so under United States export-control or sanctions laws, or under the laws of any other jurisdiction applicable to you.

4. Acceptable use

You agree not to:

Reverse engineer, decompile, disassemble, or attempt to derive the source code of the App, except to the extent such restriction is prohibited by applicable law;
Modify, adapt, translate, or create derivative works of the App;
Redistribute, sell, rent, lease, sublicense, or otherwise transfer the App or any portion of it;
Bypass, disable, or interfere with any technical protection or security features of the App;
Use the App to violate any applicable law, regulation, or third-party right;
Use the App to generate, plan, or facilitate harm to yourself or any other person, or to facilitate illegal activity;
Resell, rent, or commercially exploit the App; or
Impersonate Lumo Studios LLC or misrepresent your affiliation with Lumo Studios LLC.

5. Your content & memory

You retain all ownership rights in any content you input into the App, including memory entries, drafts, voice input, and other materials (collectively, “Your Content”). You are solely responsible for the legality, accuracy, and appropriateness of Your Content.

Because the App is designed to operate locally on your device, Lumo Studios LLC does not access, store, or claim any rights to Your Content beyond what is described in our Privacy Policy.

6. Apple-distributed app addendum

The following terms apply because the App is made available through the Apple App Store:

Apple is not a party to these Terms. These Terms are between you and Lumo Studios LLC, not between you and Apple Inc. (“Apple”).
No Apple maintenance or support obligation. Apple has no obligation to provide any maintenance or support services for the App.
Warranty. To the maximum extent permitted by applicable law, Apple has no warranty obligation whatsoever with respect to the App. In the event of any failure of the App to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price of the App (if any) to you. Apple has no other warranty obligation whatsoever with respect to the App.
Product claims. Lumo Studios LLC, not Apple, is responsible for addressing any claims relating to the App or your use of it.
Intellectual property claims. Lumo Studios LLC, not Apple, will be responsible for the investigation, defense, settlement, and discharge of any third-party intellectual property infringement claim relating to the App.
Third-party beneficiary. You and Lumo Studios LLC acknowledge and agree that Apple, and Apple's subsidiaries, are third-party beneficiaries of these Terms, and that, upon your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.
Compliance with laws. You represent and warrant that (a) you are not located in a country subject to a U.S. Government embargo, or designated by the U.S. Government as a “terrorist supporting” country, and (b) you are not listed on any U.S. Government list of prohibited or restricted parties.

7. Third-party services & cloud features

The App may, with your opt-in, use third-party services for specific cloud features such as web search. Your use of those features is also governed by the third party's own terms and privacy policies. Lumo Studios LLC is not responsible for the availability, performance, accuracy, or content of any third-party service, and we do not endorse any such service. Cloud features can be disabled at any time in App Settings.

8. No professional advice

Lumio Copilot is a personal assistant tool, not a professional advisor. The App does not provide medical, mental-health, legal, financial, tax, accounting, investment, safety, emergency, or other professional advice. Output from the App is for informational and convenience purposes only.

Do not rely on Lumio Copilot for any decision that requires professional judgment, that has legal consequences, that has financial consequences, that has health consequences, or that has safety implications. You agree to consult appropriately licensed professionals for those decisions. If you are experiencing a medical or mental-health emergency, contact your local emergency services immediately.

9. AI/ML output disclaimer

The assistant uses on-device language models (including Apple Intelligence Foundation Models and Qwen 3.5 4B running locally via MLX-Swift) and, where you opt in, third-party cloud models. All such models can produce output that is inaccurate, incomplete, biased, outdated, fabricated (sometimes called “hallucinations”), or otherwise unsuitable for your situation.

You are solely responsible for verifying any output before relying on it. Lumo Studios LLC does not guarantee the accuracy, completeness, timeliness, reliability, or fitness for any particular purpose of any output produced by the App.

10. Disclaimers of warranty

In plain English: the App is provided “as is.” We don't promise it will work perfectly, be available all the time, or be free of bugs.

THE APP, THE SITE, AND ALL CONTENT AND SERVICES PROVIDED THROUGH THEM ARE PROVIDED ON AN “AS IS” AND “AS AVAILABLE” BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, LUMO STUDIOS LLC AND ITS LICENSORS EXPRESSLY DISCLAIM ALL WARRANTIES, INCLUDING WITHOUT LIMITATION ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, ACCURACY, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE APP WILL BE UNINTERRUPTED, TIMELY, ERROR-FREE, SECURE, OR FREE FROM HARMFUL COMPONENTS, OR THAT ANY DEFECTS WILL BE CORRECTED. YOU USE THE APP AT YOUR OWN RISK.

11. Limitation of liability

In plain English: this is a free app and a personal assistant — if it makes a mistake, you can't sue us for the consequences.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL LUMO STUDIOS LLC, ITS OFFICERS, DIRECTORS, MEMBERS, EMPLOYEES, AGENTS, AFFILIATES, CONTRACTORS, OR LICENSORS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, USE, GOODWILL, BUSINESS OPPORTUNITY, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR RELATING TO YOUR ACCESS TO, USE OF, OR INABILITY TO ACCESS OR USE THE APP, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES AND EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, OUR TOTAL CUMULATIVE LIABILITY ARISING OUT OF OR RELATING TO THE APP, THE SITE, OR THESE TERMS WILL NOT EXCEED THE GREATER OF (A) THE AMOUNT YOU PAID LUMO STUDIOS LLC FOR THE APP IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS (US $100).

YOU UNDERSTAND THAT THE APP IS CURRENTLY OFFERED FREE OF CHARGE AND THAT THIS LIMITATION OF LIABILITY IS A FUNDAMENTAL PART OF THE BARGAIN BETWEEN YOU AND LUMO STUDIOS LLC. WITHOUT THIS LIMITATION, WE WOULD NOT BE ABLE TO OFFER THE APP ON THE TERMS PROVIDED.

Some jurisdictions do not allow the exclusion or limitation of certain damages. In those jurisdictions, the foregoing limitations apply to the maximum extent permitted by law. Nothing in these Terms is intended to exclude or limit liability that cannot be excluded or limited under applicable law, including liability for gross negligence, willful misconduct, fraud, or personal injury caused by gross negligence.

12. Specific exclusions

Without limiting the disclaimers in Sections 10 and 11, and to the maximum extent permitted by applicable law, Lumo Studios LLC is not liable for, and you assume all risk arising from:

Missed appointments or missed deadlines;
Incorrect, incomplete, or inappropriate drafts sent on your behalf or based on the App's suggestions;
Errors in memory entries, reminders, or notifications;
Loss of data, including memory data;
Scheduling conflicts and calendar mistakes;
Transcription errors in voice input;
Outages or errors in third-party cloud features;
Decisions you make in reliance on the App or its output;
Harm to your devices, software, or other data;
Lost productivity, lost relationships, emotional distress, or reputational harm;
Any other consequence flowing from your use of, reliance on, or inability to use the App.

13. Indemnification

You agree to indemnify, defend, and hold harmless Lumo Studios LLC and its officers, directors, members, employees, agents, affiliates, contractors, and licensors from and against any and all claims, demands, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or relating to:

your use of or access to the App or Site;
your violation of these Terms;
your violation of any applicable law or any third-party right, including any intellectual property, privacy, publicity, or contractual right;
any content you submit, transmit, post, or otherwise make available through or in connection with the App; and
any decision you make or action you take in reliance on the App.

We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you will cooperate with our defense.

14. Termination

We may suspend or terminate your access to the App at any time, with or without notice, for any reason, including for breach of these Terms. You may stop using the App at any time by uninstalling it from your device, which removes all local data.

Provisions of these Terms that by their nature should survive termination — including, without limitation, ownership and intellectual property provisions, disclaimers of warranty, limitation of liability, indemnification, governing law, dispute resolution and arbitration, and these survival provisions — will survive termination.

15. Modifications to the app or terms

We may modify the App, the Site, or these Terms at any time, in our sole discretion. If we make material changes to these Terms, we will update the “Last updated” date and communicate the change via in-App notice or other reasonable means. Your continued use of the App or Site after the effective date of a change constitutes your acceptance of the modified Terms. If you do not agree to a modification, you must stop using the App and Site.

16. Governing law

These Terms, and any dispute arising out of or relating to them or your use of the App or Site, are governed by the laws of the State of California, United States, without regard to its conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply to these Terms.

17. Dispute resolution & arbitration

In plain English: most disagreements between you and us must be resolved by an arbitrator, one-on-one, instead of in court or as part of a class action. Small-claims-court actions are not affected.

Binding individual arbitration. Except for actions properly brought in small-claims court, any dispute, claim, or controversy arising out of or relating to these Terms or your use of the App or Site (a “Dispute”) shall be resolved by binding individual arbitration administered by JAMS pursuant to its Streamlined Arbitration Rules and Procedures then in effect.

Venue. The arbitration will take place in San Francisco, California, or by remote conference if both parties agree. The arbitrator's award will be final and binding, and judgment on the award may be entered in any court of competent jurisdiction.

Class-action and jury-trial waiver. YOU AND LUMO STUDIOS LLC EACH WAIVE ANY RIGHT TO A JURY TRIAL AND ANY RIGHT TO PARTICIPATE IN A CLASS ACTION, CLASS-WIDE ARBITRATION, PRIVATE-ATTORNEY-GENERAL ACTION, OR ANY OTHER REPRESENTATIVE PROCEEDING. The arbitrator may award relief only to the individual party seeking relief and only to the extent necessary to provide that party's individual relief.

Exceptions. Either party may bring an individual action in small-claims court for Disputes within the court's jurisdiction. Either party may also seek injunctive or equitable relief in court to prevent actual or threatened infringement of intellectual-property rights.

Severability. If the class-action waiver is held to be unenforceable as to any particular claim, then that claim (and only that claim) will be severed from the arbitration and brought in court, while all other claims will continue in arbitration.

18. 30-day arbitration opt-out

You have the right to opt out of the arbitration agreement in Section 17 by sending us written notice within 30 days of the date you first install or use the App. To opt out, email lumio@lumo-studios.com with the subject line “Arbitration Opt-Out”, and include your full legal name and the email address associated with your Apple ID.

Opting out affects only the arbitration agreement in Section 17. All other provisions of these Terms remain in full force and effect.

19. Entire agreement, severability, no waiver, assignment

Entire agreement. These Terms, together with our Privacy Policy and any additional terms you agree to in connection with specific features, constitute the entire agreement between you and Lumo Studios LLC regarding the App and Site, and supersede any prior agreements between you and us on that subject.

Severability. If any provision of these Terms is held to be invalid or unenforceable, that provision will be enforced to the maximum extent permissible, and the remaining provisions will remain in full force and effect.

No waiver. Our failure to enforce any right or provision of these Terms is not a waiver of that right or provision.

Assignment. You may not assign or transfer these Terms or any of your rights or obligations under them without our prior written consent. We may assign these Terms, in whole or in part, without restriction. Any prohibited assignment is null and void.

No agency. No agency, partnership, joint venture, or employment relationship is created by these Terms.

20. Contact

For questions about these Terms, contact:

Lumo Studios LLC
Email: lumio@lumo-studios.com
Mailing address: California, United States (specific address available on request)