Terms of Service
Last updated: July 27, 2026
These Terms of Service (“Terms”) are an agreement between you and colevo (“colevo”, “we”, “us”) and govern your use of colevo.io and the colevo app (the “Service”). By creating an account or using the Service, you agree to these Terms. If you’re using colevo for a business, you’re agreeing on its behalf and confirm you’re authorized to do so. Please also read our Privacy Policy. Questions? Email brian@colevo.io.
The service
colevo is one chat screen that knows how to run one small business. You connect the apps you already use: your email, your books, the places money comes in, your calendar, your files, your customer records. You ask a question, and colevo reads those apps at that moment to answer with real names and real figures. It writes replies in your voice. It sends one only after you type send it. It does not run in the background, and it does not act on its own. The Service is currently in early access and is provided on an “as is” and “as available” basis while we continue to improve it. Features may change.
Eligibility & your account
- You must be at least 18 and able to form a binding contract, and use colevo for business purposes.
- Provide accurate account information and keep it current.
- Keep your login credentials secure. You’re responsible for all activity under your account, so tell us right away at brian@colevo.io if you suspect unauthorized use.
Acceptable use
You agree not to:
- Use colevo for anything unlawful, deceptive, harassing, or abusive, or to send spam or messages the recipient hasn’t agreed to receive.
- Violate the terms of any connected service (such as Google, Stripe, or QuickBooks/Intuit) or any anti-spam, telemarketing, or privacy law that applies to your messages.
- Use colevo in any way that violates our AI provider’s usage policy (Anthropic’s Usage Policy). For example, using it to deceive, defraud, or generate harmful or fraudulent content.
- Attempt to break, overload, reverse-engineer, or gain unauthorized access to the Service, or use it to build a competing product.
- Upload content you don’t have the right to use, or that infringes someone else’s rights.
Nothing sends until you say send it
colevo writes; you decide. The whole reply is shown to you on screen, and it is sent only after you type send it. Only the exact text you were shown can go, to the person it was written to, in the conversation it belongs to. A reply left unsent for ten minutes stands itself down. You are responsible for what goes out under your name and accounts, so read it before you say the words.
Connected accounts & third-party services
When you connect a third-party account (such as Google, Microsoft, QuickBooks, Xero, FreshBooks, Stripe, PayPal, Square, Calendly, HubSpot or Salesforce), you authorize colevo to access and use it to provide the features you request, as described in our Privacy Policy. Connections are made and held through our connection provider, Composio. You confirm you have the right to connect those accounts and the data in them. Your use of those services remains subject to their own terms (for QuickBooks, Intuit’s terms), and we’re not responsible for third-party services or their availability. You can disconnect them at any time.
Connecting an app grants reading, and reading only, with one exception, named plainly: your connected Gmail can send one reply, after you have read it on screen and typed send it. Disconnecting an app in Settings revokes the grant at the source, not just in colevo.
Your money, and your figures
colevo reads your books and the places your money comes in. It does not create an invoice, take a payment, move money, or change anything in those accounts. Your providers stay the systems of record and colevo never holds your funds or takes a cut of anything you are paid.
Every figure colevo gives you is traced to the invoice, payment, email, event or document it came from, and the source is named in the answer. That is a rule the product is built on, not a promise about accuracy: the underlying records are yours and colevo can only report what it read. Check anything you are about to act on, especially before you send it to a customer.
Messaging & consent
You are solely responsible for the messages you send through colevo and for making sure they comply with all applicable laws, including CAN-SPAM, the TCPA, CASL, GDPR, and similar marketing and privacy laws. You represent that you have the necessary consent or other lawful basis to contact each recipient. colevo is a tool you direct: we are not the sender of your communications and are not responsible for their content or for obtaining consent. We do not guarantee that any message will be delivered, delivered on time, or not filtered as spam, delivery depends on third-party providers and the recipient’s systems.
Not professional advice
colevo can help with finance, tax, contract, HR, and similar tasks, but it does not provide legal, tax, accounting, financial, or other professional advice. Review important outputs yourself, and with a qualified professional where appropriate. You’re responsible for decisions you make using the Service.
AI output
The Service uses AI, which can be wrong, incomplete, or out of date, and can produce the same or similar output for others. Treat AI output as a draft to review, not a final answer, and don’t rely on it without checking. You own the drafts you create and are responsible for how you use them.
Billing & subscriptions
- colevo is one monthly plan at $99 per month, billed a month in advance and renewing automatically until you cancel. You can try colevo free on a sample business, with no account, before you subscribe.
- If you subscribed inside the iPhone app, Apple takes the payment and the subscription lives in your Apple account. It renews automatically unless you turn renewal off at least 24 hours before the period ends, and your Apple account is charged for the renewal within 24 hours of that time. Cancel or manage it in Settings on your iPhone, under your Apple account subscriptions. We cannot cancel or refund an Apple subscription for you; Apple’s own terms and refund process apply.
- If you subscribed on the website, Stripe takes the payment and you can cancel any time from your plan in Settings.
- Cancelling stops the next charge. Access continues to the end of the period you have already paid for.
- You are only ever billed through one of those two doors, never both.
- Fees are non-refundable except where required by law, but if something goes wrong, email us and we’ll be reasonable.
- Prices and fees are exclusive of taxes, which you’re responsible for where they apply.
- We may change prices with at least 30 days’ notice; changes take effect on your next renewal.
- To keep the Service reliable and affordable for everyone, an account has a fair weekly limit on how much AI work it can use. If you reach it, colevo says so plainly, nothing extra is charged, and it resets the following week.
Your content
You keep ownership of the information and content you put into colevo (“Your Content”). You grant us a limited license to host, process, and transmit Your Content solely to operate and improve the Service and to provide it to you, including sending it to the providers listed in our Privacy Policy. You represent that you have the rights needed to provide Your Content and that it does not infringe anyone’s rights. We don’t sell Your Content or use it for advertising or to train AI models.
Our intellectual property
colevo, including the software, brand, and site, is owned by us and protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable right to use the Service under these Terms. You may not copy, modify, or redistribute the Service except as allowed here. If you send us feedback, we may use it freely without obligation to you.
Third-party services
The Service relies on third parties, including Anthropic, Composio, Google, Microsoft, Stripe, Apple, Intuit (QuickBooks), and our hosting and email providers, and links to or interoperates with their services. We don’t control them, don’t guarantee their availability or performance, and are not responsible for their acts, omissions, outages, changes, or terms. Your use of those services is governed by their own agreements and policies.
Availability & your data
We work to keep colevo running but the Service may be unavailable from time to time for maintenance, updates, or reasons beyond our control, and we may change or discontinue features. To the extent permitted by law, we are not responsible for any loss of data, and you are responsible for keeping your own copies of important information. Your connected tools (such as Google and Stripe) remain the systems of record for your email, files, and payments.
Disclaimers
THE SERVICE, INCLUDING ALL AI OUTPUT, IS PROVIDED “AS IS” AND “AS AVAILABLE,” WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. We do not warrant that the Service will be uninterrupted, secure, or error-free, or that AI output will be accurate, complete, current, or suitable for your purposes. You use the Service, any AI output, and anything you choose to send at your own risk.
Limitation of liability
TO THE FULLEST EXTENT PERMITTED BY LAW, colevo AND ITS OPERATORS, SUPPLIERS, AND LICENSORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS, OR FOR ANY MESSAGES SENT, INVOICES ISSUED, OR ACTIONS TAKEN WITH YOUR APPROVAL, EVEN IF WE HAVE BEEN ADVISED OF THE POSSIBILITY. OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE WILL NOT EXCEED THE GREATER OF (a) THE AMOUNT YOU PAID US IN THE THREE MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (b) USD 100.
Some jurisdictions do not allow certain exclusions or limitations, so some of the above may not apply to you; in that case our liability is limited to the smallest amount permitted by law. These limits apply even if a remedy fails of its essential purpose and form an essential basis of the agreement between us. Any claim relating to the Service must be brought within one year after it arises, or it is permanently barred to the extent permitted by law.
Indemnification
You agree to defend, indemnify, and hold harmless colevo and its operators from any claims, losses, liabilities, and expenses (including reasonable legal fees) arising from or related to your use of the Service, the messages you send, Your Content, your products or services, your handling of your customers’ data, or your violation of these Terms or any law or third-party rights.
Termination
You can stop using colevo at any time, and one button in Settings deletes your account and everything in it the same day. We may suspend or end your access if you violate these Terms, if needed to protect the Service or others, or if we stop offering it. When access ends, the rights you granted us end too, except for terms that by their nature should survive. See our Privacy Policy for how we handle your data after closure.
Governing law & disputes
These Terms are governed by the laws of the Commonwealth of Massachusetts and applicable U.S. federal law, without regard to conflict-of-laws rules. Before filing any formal claim, you agree to first contact us at brian@colevo.io so we can try to resolve it informally. If we can’t, disputes will be handled by the state and federal courts located in Massachusetts, and you consent to their jurisdiction. To the extent permitted by law, you and colevo each waive any right to a jury trial, and agree that claims may be brought only in an individual capacity and not as part of any class or representative action.
General
- Entire agreement: these Terms and the Privacy Policy are the entire agreement between you and colevo about the Service and replace any prior agreements on this subject.
- Severability: if any part is found unenforceable, the rest stays in effect and the unenforceable part is limited to the minimum extent necessary.
- No waiver: if we don’t enforce a term, that isn’t a waiver of our right to do so later.
- Assignment: you may not assign these Terms without our consent; we may assign them, for example as part of a merger, acquisition, or sale of assets.
- No third-party beneficiaries: these Terms don’t create rights for anyone other than you and colevo.
- Force majeure: we are not liable for delays or failures caused by events beyond our reasonable control, including outages of Anthropic, Composio, Google, Microsoft, Stripe, Apple, Intuit, or our hosting and email providers, internet failures, natural events, or government actions.
- Electronic communications & notices: you agree we may communicate with you electronically; legal notices to us should be sent to brian@colevo.io.
- Survival: sections that by their nature should survive, including content licenses already exercised, disclaimers, limitation of liability, indemnification, and dispute terms, survive termination.
Questions about these Terms? Email brian@colevo.io.