Terms and Conditions

Solve Technology Solutions LLC
Effective Date: February 8, 2026
Last Updated: February 8, 2026

1. Acceptance of Terms

Welcome to Cleo AI Personal Assistant, provided by Solve Technology Solutions LLC ("Solve," "we," "us," or "our"). By creating an account, accessing, or using our Service, you agree to be bound by these Terms and Conditions ("Terms"). If you do not agree to these Terms, you may not use the Service.

2. Program Description

Cleo AI Personal Assistant is a conversational AI assistant service that communicates with you via SMS text messages, voice calls, and other communication channels. When you opt in to our Service, you will receive:

- Responses to your questions and requests
- Reminders and notifications you have set
- Proactive assistance based on your preferences
- Service updates and account-related communications
- Personalized recommendations and information

Message frequency varies based on your usage and interaction with the Service.

3. Eligibility

You must be at least 18 years old to use the Service. By using the Service, you represent and warrant that you meet this age requirement and have the legal capacity to enter into these Terms.

4. Account Registration and Security

To use the Service, you must create an account by providing accurate and complete information, including your name, email address, and phone number. You are responsible for:

- Maintaining the confidentiality of your account credentials
- All activities that occur under your account
- Notifying us immediately of any unauthorized use of your account
- Ensuring your contact information remains current and accurate

We reserve the right to suspend or terminate accounts that provide false or misleading information.

5. SMS Messaging Terms

Opt-In and Consent

By providing your phone number and creating a Cleo account, you expressly consent to receive SMS and MMS messages from your assigned Cleo AI assistant phone number. Your consent is not a condition of purchase.

OPT-OUT INSTRUCTIONS: You can cancel the SMS service at any time. Just text "STOP" to your Cleo assistant's phone number. After you send the SMS message "STOP" to us, we will send you an SMS message to confirm that you have been unsubscribed. After this, you will no longer receive SMS messages from us. If you want to join again, just sign up as you did the first time and we will start sending SMS messages to you again.

Help and Support

If you are experiencing issues with the messaging program, you can reply with the keyword HELP for more assistance, or you can get help directly at selvi@solve-technology.com or call (801) 910-5856.

Message and Data Rates

As always, message and data rates may apply for any messages sent to you from us and to us from you. Message frequency varies based on your usage and interaction with the Service. If you have any questions about your text plan or data plan, it is best to contact your wireless provider.

Carrier Disclaimer

Carriers are not liable for delayed or undelivered messages.

6. Subscription and Payment Terms

Pricing

Our Service is offered on a subscription basis with various pricing tiers. Current pricing information is available on our website at www.solve-technology.com. All fees are in U.S. dollars and are non-refundable except as required by law.

Billing

By subscribing to our Service, you authorize us to charge your designated payment method on a recurring basis according to your selected billing cycle (monthly or annual). You agree to provide current, complete, and accurate payment information and to update this information promptly if it changes.

Automatic Renewal

Your subscription will automatically renew at the end of each billing period unless you cancel before the renewal date. You may cancel your subscription at any time through your account settings or by contacting us at selvi@solve-technology.com.

Price Changes

We reserve the right to modify our pricing with at least 30 days' notice. Continued use of the Service after a price change constitutes acceptance of the new pricing.

7. Acceptable Use Policy

You agree not to use the Service to:

- Violate any applicable laws, regulations, or third-party rights
- Send spam, unsolicited messages, or engage in harassment
- Transmit malicious code, viruses, or harmful content
- Attempt to gain unauthorized access to our systems or other users' accounts
- Impersonate any person or entity or misrepresent your affiliation
- Interfere with or disrupt the Service or servers
- Use the Service for any illegal, harmful, or abusive purpose
- Reverse engineer, decompile, or attempt to extract source code
- Resell, sublicense, or redistribute the Service without authorization
- Use automated systems or bots to access the Service without permission

Violation of this Acceptable Use Policy may result in immediate suspension or termination of your account.

8. AI-Generated Content and Accuracy

Nature of AI Service

Cleo is an artificial intelligence assistant that generates responses based on algorithms, machine learning models, and available data. While we strive for accuracy, AI-generated content may contain errors, inaccuracies, or incomplete information.

No Professional Advice

The Service does not provide professional advice (legal, medical, financial, or otherwise). Information provided by Cleo is for general informational purposes only and should not be relied upon as professional advice. You should consult qualified professionals for specific advice tailored to your circumstances.

User Responsibility

You acknowledge and agree that:

- You are responsible for evaluating the accuracy and reliability of AI-generated content
- You should not rely solely on AI-generated information for important decisions
- We are not liable for decisions you make based on information provided by the Service
- You use the Service at your own risk

9. User Content and Data

Content You Provide

You retain ownership of all content, messages, and information you provide to the Service ("User Content"). By using the Service, you grant us a limited, non-exclusive, royalty-free license to use, process, and store your User Content solely to provide and improve the Service.

Data Usage

We may use anonymized and aggregated data derived from your use of the Service for analytics, research, and service improvement purposes. This anonymized data cannot be used to identify you personally.

Prohibited Content

You agree not to submit User Content that:

- Infringes on intellectual property rights or other proprietary rights
- Contains personal information of third parties without consent
- Is illegal, harmful, threatening, abusive, harassing, defamatory, or obscene
- Contains viruses or malicious code

10. Intellectual Property Rights

Ownership

The Service, including all software, algorithms, designs, text, graphics, logos, and other content provided by Solve (excluding User Content), is owned by Solve and is protected by copyright, trademark, and other intellectual property laws.

Limited License

We grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Service for your personal, non-commercial use, subject to these Terms.

Restrictions

You may not:

- Copy, modify, distribute, or create derivative works based on the Service
- Use our trademarks, logos, or branding without written permission
- Remove or alter any copyright, trademark, or proprietary notices
- Frame or mirror any part of the Service without authorization

11. Third-Party Services and Links

Our Service may integrate with or contain links to third-party services, websites, or applications. We do not control, endorse, or assume responsibility for any third-party services. Your use of third-party services is governed by their respective terms and privacy policies. We are not liable for any damages or losses arising from your use of third-party services.

12. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and disclosure of your personal information is governed by our Privacy Policy, available at www.solve-technology.com/privacy. By using the Service, you consent to our data practices as described in the Privacy Policy.

If you have any questions regarding privacy, please read our Privacy Policy at www.solve-technology.com/privacy or contact us at selvi@solve-technology.com.

13. Term and Termination

Term

These Terms commence when you create an account or first use the Service and continue until terminated by either party.

Termination by You

You may terminate your account at any time by:

- Canceling your subscription through your account settings
- Contacting us at selvi@solve-technology.com
- Texting STOP to opt out of SMS messaging

Termination by Us

We reserve the right to suspend or terminate your account immediately, without notice, if:

- You violate these Terms or our Acceptable Use Policy
- Your account shows signs of fraudulent or abusive activity
- We discontinue the Service (with reasonable notice when possible)
- Required by law or legal process

Effect of Termination

Upon termination:

- Your right to access and use the Service immediately ceases
- You remain responsible for any fees incurred before termination
- We may delete your account and User Content in accordance with our data retention policies
- Provisions that by their nature should survive (including liability limitations, indemnification, and dispute resolution) will continue to apply

14. Disclaimers and Warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED.

TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

- IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT
- WARRANTIES THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, SECURE, OR FREE OF VIRUSES OR HARMFUL COMPONENTS
- WARRANTIES REGARDING THE ACCURACY, RELIABILITY, OR COMPLETENESS OF AI-GENERATED CONTENT
- WARRANTIES THAT THE SERVICE WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS

We do not warrant that:

- The Service will always be available or accessible
- Defects or errors will be corrected
- Data transmission will be secure or not intercepted by unauthorized parties

Some jurisdictions do not allow the exclusion of certain warranties, so some of the above exclusions may not apply to you.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SOLVE AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, AND LICENSORS SHALL NOT BE LIABLE FOR:

- ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES
- LOSS OF PROFITS, REVENUE, DATA, OR USE
- LOSS OF OR DAMAGE TO REPUTATION
- BUSINESS INTERRUPTION
- COST OF SUBSTITUTE SERVICES

ARISING OUT OF OR RELATED TO:

- Your use or inability to use the Service
- Any AI-generated content or information provided by the Service
- Unauthorized access to or alteration of your data
- Any conduct or content of third parties using the Service
- Any other matter relating to the Service

WHETHER BASED ON WARRANTY, CONTRACT, TORT (INCLUDING NEGLIGENCE), OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT WE HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU FOR ALL DAMAGES, LOSSES, AND CAUSES OF ACTION EXCEED THE AMOUNT YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR ONE HUNDRED DOLLARS ($100), WHICHEVER IS GREATER.

Some jurisdictions do not allow the limitation or exclusion of liability for incidental or consequential damages, so the above limitations may not apply to you.

16. Indemnification

You agree to indemnify, defend, and hold harmless Solve and its affiliates, officers, directors, employees, agents, licensors, and service providers from and against any claims, liabilities, damages, losses, costs, expenses, or fees (including reasonable attorneys' fees) arising out of or related to:

- Your use of the Service
- Your violation of these Terms
- Your violation of any rights of another person or entity
- Your User Content
- Your violation of any applicable laws or regulations

We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, in which case you will cooperate with us in asserting any available defenses.

17. Modifications to the Service and Terms

Modifications to the Service

We reserve the right to modify, suspend, or discontinue the Service (or any part thereof) at any time, with or without notice. We will not be liable to you or any third party for any modification, suspension, or discontinuation of the Service.

Modifications to Terms

We may update these Terms from time to time to reflect changes in our practices, legal requirements, or business operations. We will notify you of material changes by:

- Posting the updated Terms on our website with a new "Last Updated" date
- Sending you notice via email or SMS to the contact information associated with your account
- Displaying a prominent notice within the Service

Your continued use of the Service after the effective date of the updated Terms constitutes your acceptance of the changes. If you do not agree to the updated Terms, you must stop using the Service and may terminate your account.

18. Dispute Resolution and Governing Law

Governing Law

These Terms and your use of the Service shall be governed by and construed in accordance with the laws of the State of Utah, without regard to its conflict of law principles.

Informal Resolution

Before filing a claim, you agree to contact us at selvi@solve-technology.com to attempt to resolve the dispute informally. We will attempt to resolve disputes in good faith within 60 days.

Arbitration Agreement

If we cannot resolve a dispute informally, you and Solve agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service shall be resolved by binding arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules, rather than in court.

The arbitration will be conducted in Utah, or another mutually agreeable location. Each party will be responsible for paying any AAA filing, administrative, and arbitrator fees in accordance with AAA rules. The arbitrator's decision will be final and binding and may be entered as a judgment in any court of competent jurisdiction.

Class Action Waiver

YOU AND SOLVE AGREE THAT ANY PROCEEDINGS TO RESOLVE DISPUTES WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. You and Solve expressly waive any right to bring or participate in a class action lawsuit or class-wide arbitration.

Exceptions

Either party may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of intellectual property rights.

19. General Provisions

Entire Agreement

These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and Solve regarding the Service and supersede all prior agreements, understandings, and communications.

Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable, the remaining provisions will continue in full force and effect. The invalid provision will be modified to the minimum extent necessary to make it valid and enforceable.

Waiver

Our failure to enforce any right or provision of these Terms will not constitute a waiver of that or any other right or provision. Any waiver must be in writing and signed by an authorized representative of Solve.

Assignment

You may not assign or transfer these Terms or your rights under these Terms without our prior written consent. We may assign or transfer these Terms without restriction. Any attempted assignment in violation of this provision is void.

Force Majeure

We will not be liable for any delay or failure to perform our obligations under these Terms due to causes beyond our reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, labor disputes, government actions, or internet or telecommunications failures.

Survival

Provisions that by their nature should survive termination will survive, including but not limited to: ownership provisions, warranty disclaimers, limitations of liability, indemnification, dispute resolution, and general provisions.

Notices

All notices or communications to you under these Terms will be provided via email to the address associated with your account, via SMS to your registered phone number, or by posting on our website. Notices to us should be sent to:

Solve Technology Solutions LLC
Email: selvi@solve-technology.com
Address: (available upon request)

Electronic Communications

You consent to receive communications from us electronically, including via email and SMS. You agree that all agreements, notices, disclosures, and other communications that we provide electronically satisfy any legal requirement that such communications be in writing.

Relationship of Parties

Nothing in these Terms creates a partnership, joint venture, agency, or employment relationship between you and Solve. You have no authority to bind Solve or make commitments on our behalf.

Third-Party Beneficiaries

These Terms do not create any third-party beneficiary rights except as expressly stated herein.

20. Contact Information

If you have questions, concerns, or complaints about these Terms or the Service, please contact us:

Solve Technology Solutions LLC
Email: selvi@solve-technology.com
Legal inquiries: selvi@solve-technology.com
Privacy inquiries: selvi@solve-technology.com
Phone: (801) 910-5856
Website: www.solve-technology.com

21. SMS Program Summary

Program Name: Cleo AI Personal Assistant
Program Description: Two-way conversational AI assistant via SMS
Message Frequency: Varies based on user interaction
Message and Data Rates: May apply
Help: Text HELP to your Cleo number or contact selvi@solve-technology.com
Stop: Text STOP to cancel
Privacy Policy: www.solve-technology.com/privacy
Customer Support: selvi@solve-technology.com or (801) 910-5856

By using Cleo AI Personal Assistant, you acknowledge that you have read, understood, and agree to be bound by these Terms and Conditions.

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END OF TERMS AND CONDITIONS