User Agreement

1. Your agreement with SayOk

These Terms of Use ("Terms" or "Agreement") are between you and Cognivo Labs LLC ("Cognivo Labs," "we," "us," or "our"), based in Virginia, United States. They govern the SayOk.ai website, Android and iOS apps, AI phone agents, marketplace, and related services (the "Service").

By accepting these Terms or using the Service after being given notice of them, you agree to this Agreement. If you do not agree, do not use the Service. If you use it for a business or another organization, you represent that you have authority to bind that organization, and "you" includes that organization.

Our Privacy Policy explains personal-information handling. Accepting these Terms is not consent to optional tracking, marketing, recording, or any other processing that requires separate permission. You cannot give consent on another person's behalf unless you have legal authority to do so.

Important: SayOk uses AI that can make mistakes. Calls may be recorded and transcribed. You must have the required authority and permissions for your calls and review important outcomes. SayOk is not an emergency calling service.

2. Eligibility and accounts

You must be at least 18 years old and legally able to enter into this Agreement. Provide accurate account and verification information, keep it current, and use only phone numbers and sign-in methods you are authorized to use. Guest access, where offered, is subject to these Terms too.

Keep your sign-in credentials secure. You are responsible for activity you authorize through your account. Tell us promptly at info@sayok.ai if you suspect unauthorized access. You may not transfer, sell, or share an account to evade verification, abuse controls, or payment obligations.

3. What the Service provides

SayOk can place or connect telephone calls, speak typed text, translate conversations, generate transcripts and summaries, and run agents following user-supplied objectives and constraints. Users can publish reusable agents, browse public agents, save private copies, and share selected outcomes.

Features, supported destinations, languages, call limits, and availability can vary by device, region, provider, and plan. Calls depend on internet access, telephone networks, and external providers. We do not guarantee that every number can be reached, that a recipient will answer or cooperate, or that a call objective will be achieved. Your carrier or internet provider may charge separately.

Subject to these Terms and applicable store rules, we grant you a limited, non-exclusive, non-transferable right to access and use the Service. We and our licensors retain ownership of the software, branding, and other Service materials, apart from your content and other rights expressly described below. Open-source components remain subject to their respective licenses.

4. Calling authority, consent, and recordings

Before initiating a call, you must be authorized to contact the recipient, use the selected number, disclose information supplied for the task, and ask the agent to perform the requested actions. Give accurate instructions, clear limits, and only permissions you can lawfully grant. Do not authorize purchases, bookings, changes, or commitments you are not prepared and entitled to make. Monitor calls and verify material actions with the recipient.

Calls may be recorded, transcribed, translated, and processed by AI and communications providers. You must comply with applicable calling, artificial-voice, recording, privacy, and do-not-call laws, including requirements that depend on the recipient's location. Obtain required permission before dialing or processing, as applicable. Consent to receive a call and consent to recording or transcription are separate questions.

Do not assume that a business relationship, a number in your contacts, your own acceptance of these Terms, or an announcement after connection supplies every legally required permission. SayOk does not guarantee an automatic notice or consent process for every call. If a person refuses or withdraws required permission, stop the relevant activity and end the call when necessary. Do not conceal AI involvement or falsely represent the agent as a particular human.

These duties do not eliminate any obligation Cognivo Labs has under applicable law. We may restrict destinations, features, or accounts to address safety, consent, carrier, or legal concerns.

5. AI limitations, emergencies, and sensitive tasks

AI speech, translation, responses, summaries, evidence, and confirmation details can be inaccurate, incomplete, delayed, or misleading. An agent can misunderstand instructions, misidentify a speaker, miss a constraint, or report success without completing the intended task. Review important statements and independently confirm appointments, prices, purchases, cancellations, and other consequential outcomes. A transcript or receipt is not independent proof that a third party accepted an obligation.

Marketplace labels such as "verified," success counts, and other quality signals describe particular Service checks or recorded activity. They are not endorsements, professional credentials, guarantees of accuracy, or promises of future results.

Do not use SayOk to contact emergency services or for an urgent, life-critical task. Use a direct, supported emergency calling method. SayOk is not a substitute for medical, legal, financial, or other professional advice, or for a qualified interpreter where one is required.

Share only information necessary for an authorized task. Do not put passwords, one-time authentication codes, full payment-card details, or government identification numbers into prompts, public agents, or shared receipts. SayOk is not offered as a HIPAA-compliant service; do not use it for a workflow requiring a business associate agreement or other special safeguards unless we separately agree to provide them.

6. Acceptable use

You must not use the Service to:

• Make unlawful, unsolicited, harassing, threatening, abusive, discriminatory, or fraudulent calls; conduct spam campaigns; or ignore do-not-call requests or required opt-outs.
• Impersonate a person or organization, spoof identity without authority, conduct social engineering, obtain credentials, or deceive someone about a material fact or authority.
• Record, transcribe, disclose, or publish another person's information without the legally required authority or permission.
• Create or share unlawful, sexually exploitative, hateful, violent, or otherwise abusive content, including content that exploits or endangers minors.
• Infringe intellectual-property rights, confidentiality duties, or other people's rights.
• Bypass verification, billing, safety, moderation, rate limits, or destination restrictions; exploit free allowances; or manipulate marketplace metrics or verification signals.
• Distribute malware, compromise systems, interfere with the Service, or access accounts, data, or systems without authorization.
• Copy, resell, reverse engineer, or commercially exploit the Service software except as expressly permitted by these Terms, an applicable license, or law.

Report misuse, objectionable content, or rights concerns to info@sayok.ai, including the relevant agent or receipt link and a description of the concern. Use in-app reporting or blocking controls when available. We may investigate reports, remove content, restrict publication, or suspend accounts, with notice and review opportunities where required by law.

7. Your content, public agents, and copies

"Your Content" includes the prompts, agent definitions, field values, messages, and other material you submit. You retain rights you hold in Your Content. You represent that you have the permissions necessary to submit it, use it for the requested task, and publish it if you choose to do so. You are responsible for reviewing it before a call or publication.

You grant Cognivo Labs a non-exclusive, worldwide, royalty-free license to host, store, reproduce, process, transmit, and display Your Content as needed to provide, secure, support, and maintain the Service and carry out your instructions. This includes using providers to transcribe, translate, generate speech, and run agents. This license does not make private content public or transfer ownership of it to us. Personal-information handling remains subject to the Privacy Policy and applicable law; this Agreement does not supply separate consent where required.

Publishing an agent: you authorize us to display and distribute the published template and authorize other users, through Service features, to save, use, and modify copies for their own lawful calls. This permission is non-exclusive, worldwide, and royalty-free. Public templates must not contain private field values, secrets, or material you lack permission to share.

Making an agent private or deleting it can stop future availability through the original listing, but does not revoke the permission for copies already lawfully saved. Users' private customizations are not changes to your original agent. This continuing permission does not authorize retention or use of personal information in violation of privacy law.

Sharing outcomes: a shared receipt can expose summaries, supporting details, confirmation information, and next steps to anyone with its public link. Review the content and do not rely on automated redaction to remove every sensitive detail. Copies and caches outside SayOk may remain after a link is removed. Report accidental disclosure promptly.

Other users' public content remains subject to their rights and these permissions. We do not guarantee that it is accurate, safe, or suitable for your task. AI output may not be unique or eligible for intellectual-property protection. These Terms do not grant rights in another person's confidential information, voice, likeness, or copyrighted material.

8. Subscriptions, calling minutes, and refunds

A subscription is optional. The current Pro plan includes 15 calling minutes per monthly subscription period. One-time packs currently add 1 or 6 calling minutes. The product details, price, currency, billing period, and applicable taxes shown in the App Store or Google Play checkout apply to your purchase. Do not rely on a price shown elsewhere.

Renewal and cancellation: Pro renews automatically through your store account unless you cancel according to that store's rules. For App Store purchases, turn off auto-renewal at least 24 hours before the current period ends to avoid the next renewal. Manage or cancel through your Apple or Google subscription settings. Cancellation generally takes effect at the end of the paid period, subject to the store's rules and your legal rights. Deleting SayOk or your account does not cancel a store subscription.

Minute balances: unused Pro minutes expire at the end of their subscription period and do not roll over. Purchased one-time minutes do not expire. Minutes are tied to your account, are not money, and cannot be transferred or redeemed for cash except where law requires. Service access can still be affected by lawful suspension, account deletion, or discontinuation, subject to applicable refund and consumer rights.

Connected call duration is rounded up to the next whole minute: for example, a 61-second call uses 2 minutes. Connected time can consume minutes even if an agent does not achieve its objective. Review your balance and call records, and contact us about a disputed deduction or technical failure. Any free allowance is limited to the eligibility and conditions shown when offered; it is not a promise of unlimited or permanent free service.

Refunds and billing issues: purchases and refunds are administered through the store used to purchase. Submit a refund request through Apple or Google, and contact info@sayok.ai for missing entitlements or billing support. We do not exclude any refund, cancellation, withdrawal, or other remedy required by law. Future pricing or plan changes will be disclosed and handled under applicable store rules and law, including notice or consent where required.

9. App stores and third-party services

Apple, Google, carriers, and organizations you call have their own terms and policies. You are responsible for agreements you authorize with a called organization. Cognivo Labs is not a party to those transactions merely because SayOk helps with the call.

For an iOS app distributed under Apple's Standard End User License Agreement, that agreement continues to apply to the app license. These Terms govern the SayOk service relationship alongside it and do not replace Apple's applicable Usage Rules or override mandatory store requirements. Apple and Google are not responsible for operating SayOk or providing our customer support. Contact us for Service support.

10. Suspension, cancellation, and deletion

You can stop using the Service at any time, cancel subscriptions through your store, and request account and associated-data deletion using the account-deletion page or Privacy Policy instructions. Export or save information you need before requesting deletion.

We may limit or suspend access when reasonably necessary to address a material breach, security incident, fraud, unlawful calls, a legal requirement, or a risk of harm. Where feasible and legally appropriate, we will explain the reason and provide an opportunity to correct or challenge the issue. Urgent safety or legal action may occur without advance notice. Contact info@sayok.ai to request review.

We may change or discontinue features or the Service. For a material reduction of prepaid features or discontinuation, we will provide notice and any cancellation, refund, or other remedy required by law or applicable store rules. Account closure does not erase accrued payment obligations, override privacy rights, or cancel permissions for previously saved public-agent copies as described in Section 7.

11. Service warranties and consumer rights

To the extent permitted by law, the Service and AI outputs are provided "as is" and "as available," without warranties of uninterrupted availability, accuracy, fitness for a particular purpose, merchantability, or non-infringement. We do not guarantee a particular translation, call outcome, third-party response, or marketplace result.

Nothing in these Terms excludes statutory warranties, a duty to exercise legally required care and skill, or other consumer protections that cannot lawfully be excluded. These Terms apply only to the extent consistent with those protections.

12. Limits of liability

To the extent permitted by law, Cognivo Labs and its affiliates, personnel, and suppliers are not liable for indirect, incidental, special, consequential, or punitive damages, or lost profits, business opportunities, or anticipated savings, arising from use of the Service.

To the extent permitted by law, our total aggregate liability arising from the Service or these Terms will not exceed the greater of US $100 or the amount you paid Cognivo Labs for the Service, including through app stores, during the 12 months before the event giving rise to the claim.

These exclusions and limits do not apply to fraud, willful misconduct, gross negligence, death or personal injury caused by negligence, or any liability, data-protection remedy, or consumer right that cannot lawfully be excluded or limited. They do not reduce refunds or other remedies we are legally required to provide.

13. Virginia law and disputes

Except where mandatory law requires otherwise, these Terms are governed by Virginia law, United States, without applying conflict-of-laws rules. This choice does not deprive consumers of mandatory protections under the laws of their country or state of residence.

Please contact info@sayok.ai so we can try to resolve a concern. Contacting us is not a condition of exercising a legal right or bringing a claim. Disputes may be brought in a court with jurisdiction in Virginia, or in another court available to you under mandatory law, including an eligible small-claims court. These Terms do not require arbitration or waive any non-waivable right to a jury trial or collective action.

14. Changes and general terms

We may update these Terms and will identify the updated version by its date. For material changes, we will provide reasonable notice through the Service or another appropriate channel and obtain acceptance when required. Changes apply prospectively; they do not retroactively remove rights relating to an existing dispute. If you do not agree to a change, stop using the affected Service and cancel any renewing subscription, without losing mandatory legal remedies.

If a provision cannot be enforced, the remaining provisions continue to apply to the extent permitted by law. A failure to enforce a provision is not a waiver. You may not assign this Agreement without our consent, except where law permits. We may transfer it in connection with a lawful corporate reorganization or sale, without reducing your mandatory rights.

These Terms and any expressly agreed additional terms form the agreement concerning the Service, subject to mandatory law and applicable app-store license terms. We will not treat an agent's output, a public template, or an unsupported statement by an AI as an amendment to this Agreement.

Questions, support requests, and legal notices can be sent to Cognivo Labs LLC at info@sayok.ai.