Terms of Service

1. Acceptance of Terms

By accessing, downloading, installing, or using OptiAI ("the Service," "Application," or "App"), you ("User," "you," or "your") acknowledge that you have read, understood, and agree to be bound by these Terms of Service ("Terms," "Agreement"). If you do not agree to these Terms, you must immediately discontinue use of the Service.

These Terms constitute a legally binding agreement between you and Aspire Digital LLC ("Aspire Digital," "Company," "we," "us," or "our"). By using the Service, you represent that you have the legal capacity to enter into this Agreement.

2. Eligibility and Age Requirements

You must be at least 13 years of age to use this Service. If you are located in the European Economic Area (EEA), you must be at least 16 years of age. If you are under the age of 18 (or the age of legal majority in your jurisdiction), you represent that your parent or legal guardian has reviewed and agreed to these Terms on your behalf.

We reserve the right to request proof of age at any time. If we become aware that a User does not meet the minimum age requirements, we will terminate their account immediately without notice.

Adult or under 18. We ask each user once to tell us whether they are an adult or under 18, and you must answer truthfully. Some features are available only to users who say they are adults: Family Safety (switching it on and adding children), letting others check on you, being a Parent in a household, connecting a bank account, purchases (OptiPoints and paid plans) and phone calls made by Opti on your behalf. If you say you are under 18, those features are switched off for you; you can change your answer later, and changing it from under 18 to adult requires you to confirm your password and is recorded. A user who is under 13 (or under 16 in the EEA) may not sign up on their own. A parent or guardian can instead set up a child account for them under Section 9A (Child Accounts), and the parent is the account holder for the child's use of the Service. Nothing in these Terms means that every person who uses OptiAI is 18 or older.

AI features are for adults (18 and over). Opti's AI features (Ask Opti chat and Opti on messaging apps, suggestions and briefings, reading photos, documents and emails, read-aloud, Learning Studio AI drafts and the AI tutor) are available only to users who have told us they are 18 or older. If you tell us you are under 18, if the date of birth on your own profile shows you are under 18, if you use a child account, or if you have not yet told us your age, your requests are not sent to an AI model, and Opti tells you so. Everything else in the Service keeps working. You can confirm you are 18 or older with one tap; you must answer truthfully. An adult parent or guardian may use AI features to help run their family, including for their children's records.

The collection and management of children's data by parent or guardian users is governed by Section 9 (Children's Data and Parental Consent) below.

3. Limited License Grant

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Service for your personal, non-commercial purposes. This license does not include:

• Any resale, commercial use, or distribution of the Service or its content
• Modification, adaptation, translation, reverse engineering, decompilation, disassembly, or creation of derivative works
• Removal, alteration, or obscuring of any copyright, trademark, or other proprietary notices
• Use of any data mining, robots, scraping, or similar data gathering methods
• Downloading, copying, or transmitting any content for commercial purposes
• Framing or mirroring any part of the Service without prior written consent

4. User Account and Security

To access certain features, you must create an account. You agree to:

• Provide accurate, current, and complete information during registration
• Maintain and promptly update your account information
• Maintain the security and confidentiality of your login credentials
• Accept full responsibility for all activities occurring under your account
• Notify us immediately of any unauthorized access or security breach
• Not share your account credentials with any third party
• Not create multiple accounts for the purpose of abusing promotions or rewards

You are solely responsible for any activity that occurs through your account. We will not be liable for any loss or damage arising from your failure to maintain account security.

You may create or access your account using social sign-in through Apple ("Sign in with Apple") or Google ("Google Sign-In"). When you do, you authorize the provider to share basic profile information (such as your name and email address) with us to create and secure your account, as described in the Privacy Policy. Your use of social sign-in is also subject to the terms of the relevant provider.

Passwords must be at least 10 characters and must not be one that is known to have appeared in a public data breach. On the mobile app we may require Face ID, fingerprint, or device passcode to open the app; that check is performed by your device, and we never receive your biometric data. If repeated unlock attempts fail, we may sign you out for your protection.

5. OptiPoints Rewards Program Disclaimer

IMPORTANT: PLEASE READ THIS SECTION CAREFULLY.

OptiPoints ("Points") are a virtual rewards program feature within the Service. By participating in the OptiPoints program, you acknowledge and agree that:

• No Monetary Value: OptiPoints have NO monetary value, cannot be exchanged for cash, and are not redeemable for any form of currency, cryptocurrency, or legal tender
• No Property Rights: You do not own OptiPoints. Points are a license to access certain features or benefits, not property
• Modification Rights: We reserve the absolute right to modify, limit, suspend, or terminate the OptiPoints program, adjust Point values, change earning rates, or expire Points at any time without prior notice or liability
• No Refunds: Points are non-refundable and cannot be transferred, sold, or bartered
• Earning Points in Money: The Service's Money features award Points for genuine, server-verified activity: adding your first account, setting your first spending envelope, logging your first transaction, importing a receipt or bank statement (at most once per day, however many transactions the import contains), and finishing a calendar month in which every envelope carrying a limit was measured and ended at or under it. Individually logged transactions may also earn a small consistency bonus, subject to the same daily earning cap as every other source. A "first" award is reversed if you later delete the last account, envelope, or transaction it was awarded for, and may be earned again if you add another. Award amounts are set by us, are shown in the app, and are subject to our Modification Rights above
• Redemption for In-App Benefits: Points may be redeemed for in-app benefits such as additional AI actions, and for in-game items and features within Family Games (for example hints, extra turn time, or cosmetic themes). Availability and redemption rates are subject to our Modification Rights above, and redemption confers no cash or monetary value
• In-Game Spends Are Final: Points spent on in-game items or features are consumed immediately and are non-refundable and non-reversible, including where a match, turn, or session later ends, is cancelled, expires, or does not go the way you hoped
• Purchased Points: You may purchase Points in fixed bundles from within the Service. Purchases are available to any adult account — no subscription is required — but are not available to household members recorded as children, who should ask a parent or guardian to purchase on their behalf. Purchased Points are sold as a one-time consumable, are non-refundable except where required by law or by the applicable app store's refund policy (Apple App Store or Google Play, where the purchase was made through them), carry no monetary value, and cannot be exchanged for cash, transferred, or resold. If a purchase of Points is refunded or charged back, the Points from that purchase are removed from your balance, including Points already used, up to your available balance. Purchased Points EXPIRE one year after purchase; any unspent balance from that purchase is forfeited at that point. When you spend Points, purchased Points are used first (soonest-expiring first), then earned Points. You may also buy Points from a chat app you have connected to OptiAI (WhatsApp, Telegram, Facebook Messenger or Instagram): Opti replies with a secure Stripe checkout link for the bundle you choose, which expires after 30 minutes. The payment is processed by Stripe, not by the chat app, and the same rules apply as to a purchase in the Service, including that children cannot buy
• Expiration: Points may expire if your account is inactive for 12 consecutive months. Purchased Points additionally expire one year after purchase, as described above
• Companion Outfits: Optional outfits for Opti Companions can be unlocked with Points. Outfits have no monetary value, cannot be exchanged for cash, are non-refundable once unlocked, and are bound to the account that unlocks them (they cannot be transferred or resold). A parent or guardian may gift an outfit to a child they manage using the parent's own Points. Prices may change at any time and some outfits are free
• Revocation and Forfeiture: We may revoke Points obtained through fraud, abuse, technical errors, or violation of these Terms. In addition, where we detect or reasonably suspect fraud, abuse, or manipulation of the OptiPoints system (including, without limitation, multi-account, automated, or coordinated abuse), we reserve the right, in our sole discretion, to forfeit and zero out your entire Points balance — whether or not those Points were obtained through the abuse — with or without terminating your account, and without notice, refund, or compensation
• Program Termination: Upon termination of the OptiPoints program, all accumulated Points will be forfeited without compensation

Any future conversion of OptiPoints to tokens or other digital assets is not guaranteed and will be subject to additional terms, regulatory requirements, and our sole discretion.

6. Subscription Plans, Billing, and Refunds

We offer subscription-based access to premium features through various plans ("Subscription Plans"). By purchasing a Subscription Plan, you agree to the following:

Free Tier ("Full Access")

We offer a free tier called "Full Access" that is available indefinitely at no cost. It includes the entire Service — every module and feature — with no household member limit. The only thing metered is use of our AI assistant ("Ask Opti"): the free tier includes a limited number of AI actions per day (the current allowance is shown in the app), and you can earn OptiPoints through everyday use of the Service and redeem them for additional AI actions (see Section 5). A paid subscription provides more use of the AI assistant, subject to a fair-use daily cap and a rolling burst limit that may briefly pause AI responses if you send many requests in a short period; the current values are disclosed in the app and may change. We reserve the right to modify the free tier, the daily AI allowance, the fair-use cap, and the burst limit at our discretion.

Billing Providers and Auto-Renewal

A paid subscription is optional — the free tier ("Full Access") above is available indefinitely at no cost. If you choose to subscribe, billing begins immediately when you subscribe; we do not offer a trial. Subscription Plans are billed on a recurring basis (monthly or annually, depending on your selection). Your subscription will automatically renew at the end of each billing period unless you cancel before the renewal date. Depending on where you subscribe:

• Web (browser): Stripe, Inc. is our payment processor. By subscribing, you authorize us and Stripe to charge your designated payment method on a recurring basis.
• iOS (App Store): Apple Inc. processes the purchase via In-App Purchase (StoreKit). Apple is the merchant of record. Billing, renewal, payment methods, and refunds are managed by Apple under your Apple ID. Apple charges, refund eligibility, and tax behavior are governed by the Apple Media Services Terms and Conditions.
• Android (Google Play): Google LLC processes the purchase through Google Play Billing. Billing, renewal, payment methods, and refunds are managed by Google under your Google account and the Google Play Terms of Service, and you cancel through Google Play's subscription management.

Prices shown on iOS may differ from web prices to reflect Apple's commission and regional pricing tiers. Switching between providers is not supported within a single billing period — if you subscribed through one provider, manage that subscription through that same provider.

Plan Changes and Proration

You may upgrade, downgrade, or switch your Subscription Plan at any time through the Service. When changing plans on Stripe, charges will be prorated for the remainder of the current billing period. On Apple, plan upgrades take effect immediately (with Apple applying its standard credit handling), and downgrades take effect at the end of the current billing period in accordance with Apple's subscription group ranking rules. Add-on modifications take effect immediately on Stripe and are prorated accordingly.

Cancellation

You may cancel your subscription at any time. For web (Stripe) subscriptions, use your account settings or the billing portal. For iOS subscriptions, manage and cancel through Apple's Subscription Management screen (Settings → [your name] → Subscriptions) — we cannot cancel an Apple subscription on your behalf. Upon cancellation, you will retain access to premium features until the end of your current billing period.

Refunds

For web (Stripe) subscriptions, all fees are non-refundable except where required by applicable law. If you believe you have been charged in error, contact us at support@optiai.me within 14 days of the charge. For iOS subscriptions, refund requests are handled exclusively by Apple under the Apple Media Services Terms and Conditions — request a refund through reportaproblem.apple.com. We do not control whether Apple grants a refund. For Android subscriptions purchased through Google Play, refunds are handled by Google under the Google Play refund policy, and we do not control whether Google grants a refund.

Failed Payments

If a payment fails, we may restrict access to premium features until the payment issue is resolved. We will attempt to notify you of any payment failures. Continued failure to resolve payment issues may result in cancellation of your subscription.

Price Changes

We reserve the right to change subscription pricing at any time. Price changes will take effect at the start of your next billing period following notice. We will provide reasonable advance notice of any price increases via email or through the Service. If you do not agree with a price change, you may cancel your subscription before the new pricing takes effect.

7. Artificial Intelligence Services Disclaimer

CRITICAL DISCLAIMER - READ CAREFULLY:

The Service incorporates artificial intelligence ("AI") features including, but not limited to, workout recommendations, meal suggestions, financial insights, and general assistance. By using these AI features, you expressly acknowledge and agree:

• Informational Only: All AI-generated content, recommendations, and suggestions are for informational and educational purposes ONLY
• Not Professional Advice: AI outputs do NOT constitute medical, financial, legal, fitness, nutritional, or any other professional advice
• Consult Professionals: You should ALWAYS consult qualified healthcare providers, financial advisors, or other licensed professionals before making decisions based on AI recommendations
• Accuracy Not Guaranteed: AI may produce inaccurate, incomplete, outdated, or inappropriate information. We make NO representations or warranties regarding the accuracy, reliability, or completeness of AI-generated content
• May Be Wrong — Verify Time-Sensitive Information: AI outputs can be wrong. When the AI answers questions about current or fast-changing information (such as business hours, availability, prices, events, or news), you should independently verify that information from an authoritative source before relying on it
• User Assumption of Risk: You assume ALL risk associated with acting upon AI recommendations. We are NOT liable for any decisions you make based on AI suggestions
• Health Risks: Following AI fitness or nutrition recommendations without professional guidance may result in injury, illness, or adverse health effects. We bear NO responsibility for such outcomes
• Financial Risks: AI financial suggestions are NOT investment advice. Financial decisions based on AI recommendations are made at YOUR OWN RISK

YOU EXPRESSLY WAIVE ANY CLAIMS AGAINST US ARISING FROM YOUR USE OF OR RELIANCE ON AI-GENERATED CONTENT.

These disclaimers are also presented in-app through domain-level disclaimer dialogs when you first access AI-powered features in each module (Health, Nutrition & Food, Childcare, and Financial).

Live Information and Web Search

To answer questions that depend on current information (for example, opening hours or upcoming events), the AI assistant ("Ask Opti") may perform a live web search through our AI provider (Google). To do this, a search query derived from your message is sent to Google's search service, and the AI may summarize the results and cite its sources. Information returned from the web is provided by third parties, may be inaccurate or out of date, and does not constitute an endorsement by us. We do not use your strictly private health information (such as cycle, pregnancy, mood, or mindfulness data) to form web-search queries. See the Privacy Policy for how this is handled.

Attachments and Files

When you upload files (images, PDFs, photos) to chat with our AI assistant ("Ask Opti") or to other AI-powered features, the file is stored in our secure storage and a reference to that file is provided to Google Gemini for parsing or analysis. Uploaded documents may include sensitive financial, health, identity, and travel records — for example bank, credit-card, loan, and investment statements, insurance policies, property and vehicle titles, medical history, prescriptions, and lab reports. By uploading such a document you consent to its contents being sent to Google Gemini for processing as described in the Privacy Policy. You represent that you own or are otherwise entitled to share any file you upload, that uploading it does not violate any third party's rights, and that the file does not contain content that you are legally prohibited from sharing. When you ask Opti to create a task or reminder, or file a school event, from a file, or attach a file to a task or school event yourself, a copy is kept on that task or event and is visible to everyone who can see it; only attach files you are entitled to share with them.

Voice Dictation

Voice dictation features rely on the speech-recognition service built into your device or browser. On the web this is the Web Speech API; on iOS native apps it is Apple's speech-recognition framework (on-device or Siri). The recognition happens on your device or via your browser/OS vendor's service — we do not receive or store raw audio. Only the resulting text transcript reaches our servers when you submit it. Some browsers or operating systems may transmit audio to the vendor's servers for recognition; please consult your browser/OS documentation for details.

8. Health and Fitness Disclaimer

The Service provides health tracking, fitness planning, and wellness features. These features are designed for general wellness and informational purposes only. By using these features, you acknowledge:

• The Service is NOT a medical device and is NOT intended to diagnose, treat, cure, or prevent any disease or health condition
• You should consult a physician before beginning any exercise, diet, or wellness program
• We are NOT responsible for any injury, health issue, or adverse effect resulting from use of health and fitness features
• Health data tracking is for personal reference only and should not replace professional medical monitoring
• Integration with third-party health platforms (Apple Health and Google Health Connect) is optional, read-only, and provided as-is without warranty
• Data imported from third-party health platforms or looked up from third-party food databases (such as Open Food Facts) may be inaccurate, incomplete, or outdated; you are responsible for verifying the accuracy of any imported or looked-up data before relying on it

These disclaimers are also presented in-app through domain-level disclaimer dialogs when you first access each module.

8A. Cycle & Pregnancy Features

IMPORTANT DISCLAIMER: READ CAREFULLY.

The Service may include a Cycle & Pregnancy module for tracking menstrual cycles, fertility and trying-to-conceive (TTC) information, pregnancy details, pregnancy loss or termination, perimenopause and menopause, and related mood. By using these features, you acknowledge and agree:

• Informational only — not medical advice: All content in the Cycle & Pregnancy module, including cycle predictions, fertility estimates, pregnancy milestone guidance, and any AI-generated suggestions, is for personal tracking and general informational purposes ONLY. It does NOT constitute medical advice, clinical diagnosis, or treatment guidance.
• Consult a qualified professional: You should ALWAYS consult a qualified healthcare provider (such as an OB-GYN, midwife, or fertility specialist) before making any decisions about contraception, conception, pregnancy care, or reproductive health. Do not rely on the Service as a substitute for professional medical advice.
• Emergency disclaimer: The Service is NOT designed for emergency use. If you are experiencing a medical emergency, pregnancy complication, or mental health crisis, call your local emergency services (e.g., 911 in the US) or go to the nearest emergency room immediately.
• AI-generated content may be inaccurate: Cycle predictions, fertility window estimates, baby-name suggestions, personalized insights, and other AI-generated outputs may be inaccurate, incomplete, or not applicable to your individual circumstances. Biological cycles vary widely between individuals. We make NO representations or warranties regarding the accuracy, reliability, or clinical validity of AI-generated content in this module.
• Assumption of risk: You assume all risk associated with acting upon any information or suggestion from this module. We are NOT liable for any outcomes, decisions, or actions taken on the basis of content provided here.
• Sensitive data: Reproductive health data is a special category of sensitive personal data. See the Privacy Policy (Section 8a) for how this data is stored, protected, and shared.

These disclaimers are also presented in-app through a domain-level disclaimer dialog when you first access the Cycle & Pregnancy module.

9. Children's Data and Parental Consent

The Service includes child care features that allow parents and legal guardians to enter, store, and manage information about their children. By using these features, you acknowledge and agree to the following:

Data Collection by Parents

We do not let a child sign up, and we collect personal information from a child only through a child account that a parent or guardian has set up and consented to under Section 9A. Otherwise, children's data within the Service is entered and managed by parent or legal guardian users on behalf of their children. Data types may include child profiles, vaccination records, growth measurements, developmental milestones, health records, and educational information.

Parental Responsibility

As a parent or legal guardian using the child care features, you represent and warrant that:

• You have the legal authority to provide and manage your child's information
• All information you enter about your child is accurate and provided with proper consent
• You assume full responsibility for the accuracy, appropriateness, and management of your child's data
• If you share access to your child's data with other household members, you consent to their viewing of that information

How Children's Data Is Used

Children's data is used solely to provide the child care features of the Service, including tracking vaccinations, growth, milestones, and health records. We do not use children's data for advertising, marketing, or profiling purposes. Children's data is not sold to or shared with third parties except as necessary to operate the Service (e.g., cloud infrastructure providers) or as required by law.

Learning Studio (Section 10U) handles children's learning records, learning-difference notes and the AI tutor (not available for now) under additional rules. Where Section 10U is stricter, it applies.

Parental Rights

You may review, modify, or delete your child's data at any time through the Service. If you wish to request complete deletion of all children's data associated with your account, please contact us at support@optiai.me. We will process such requests in accordance with applicable law.

Compliance

We are committed to complying with the Children's Online Privacy Protection Act (COPPA), the General Data Protection Regulation (GDPR) as it relates to children's data, and other applicable children's privacy laws. If we become aware that children's data has been collected without proper parental consent, we will take steps to delete such information promptly.

9A. Child Accounts

A child account is a limited account that a parent or legal guardian opens for their child. It is described in our Privacy Policy, Section 10a, which forms part of this section.

Who Can Open One, and Your Responsibilities

• Only a person who is 18 or older (or the age of majority where they live) and who is the child's parent or legal guardian, and a parent of that child in the household, may open and manage a child account. You accept these Terms and the Privacy Policy for the child, and you are responsible for the child's use of the Service.
• The child must have a date of birth on file in your household, and you must enter it truthfully.
• You must keep sign-in codes and any password you set for the child private from anyone who should not have them, and you must not use a child account for anyone other than the child it was created for. Only you can reset a child's password or issue a new sign-in code; a child account has no email address to recover it by.
• You are responsible for choosing the areas the child may use and for reviewing what the child does. Parent controls are not a substitute for supervision, and we cannot guarantee that a child will not find a way around a device or household setting.
• You must tell us promptly at support@optiai.me if you believe a child account has been used without your permission.

Consent Check and Its Refund

Where the law of your country requires verifiable parental consent, we verify that you are an adult with a card check. You make a small card payment, the amount is shown before you pay, and we refund it to the same card at once. We do not keep the card details; our payment processor does. The check is done once per parent and covers your other children. It is not needed where you already pay us by card, and it is not a purchase, a subscription or a fee for the child account. Refunds can take several days to appear on your statement, depending on your bank. If the check fails, the child account is not opened. Where your country's law instead allows consent through your account, we email a confirmation link to your account's address for each child and open the child account only after you tap it. You can withdraw consent at any time as described in the Privacy Policy.

What a Child Can Use

A child account can use only Learning Studio, family games, chores and routines (marking them complete). A child account cannot use Opti chat, connect other accounts, make purchases, add or change household members, join Circles or share data, and it cannot hold a subscription or Opti Points of its own. Within Learning Studio, the AI tutor is not available for now; if it returns it will be only for children aged 13 and over and only if you turn it on, and we will update these Terms first. We may change the areas a child can use, always within these limits.

Pausing, Withdrawing and Deleting

You can pause, resume or delete a child account at any time. We may pause a child account if consent has not been confirmed, if no parent of the child remains in the household, or for safety or security reasons. Withdrawing consent pauses the account and leads to deletion as described in the Privacy Policy.

Turning 18

When a child turns 18 the parent and the young adult are offered conversion to a full adult account. To convert, the young adult adds and verifies their own email address, sets a password, confirms that they are 18 or older and accepts these Terms and the Privacy Policy for themselves. Conversion also needs a parent's confirmation; every parent is told, and if no parent confirms or disputes it, it opens 14 days after the notice reached at least one parent (if no parent can be reached, it does not open until one is). If the child's date of birth was changed in the last 90 days, a parent must confirm. Once a child account exists, only a parent of the child in the household can change the child's date of birth. The parent's controls and access to the young adult's account end on conversion, and the young adult can download their records. A child account that is not converted shortly after the 18th birthday is paused and later deleted, as described in the Privacy Policy.

10. Household Features and Shared Data

The Service includes household features that allow multiple users to share data and collaborate within a shared household. By using these features, you acknowledge and agree to the following:

Household Ownership and Membership

Household owners may invite other users to join their household. Owners are responsible for managing household membership, including inviting and removing members. Members may participate in one or more households and may leave a household at any time.

Shared Data Visibility

Data shared within a household is visible to all household members with appropriate permissions. This may include grocery lists, meal plans, tasks, health data (when sharing is enabled), childcare data, and other information you choose to share. You are responsible for reviewing and understanding what data is shared before enabling household sharing features.

Data Ownership

Each user retains ownership of the data they contribute to a household. Shared views of data are provided as a convenience and do not transfer ownership. When you share data with household members, you grant them a limited, revocable right to view and interact with that data within the Service.

Private and Surprise Calendar Items

You may mark a calendar item you create as private or hide it from chosen people, optionally showing others a "Busy" block with the time only. We take reasonable technical measures to keep those details from the people you choose, but privacy settings are not a guarantee of secrecy: anyone you leave allowed can still see the item and could share it, information you put elsewhere (for example, in a shared note, a message or an item you did not mark) is governed by its own settings, and you are responsible for choosing who sees each item. Only the item's creator can change its privacy, and an item cannot be assigned to someone it is hidden from.

Leaving or Removing Members

When a member leaves or is removed from a household, their access to shared household data ceases immediately. Data contributed by the departing member may remain visible to other household members. The departing member retains their own personal data and account.

Consent and Responsibility

By sharing data within a household, you consent to other household members viewing that information. If you enter information about another person (such as a family member's health data), you represent that you have obtained their consent to do so. We are not liable for disputes between household members regarding shared data, access permissions, or household management decisions.

Family Nicknames

You may add nicknames for family members so that Opti understands who you mean (for example, when you ask about "AJ"). Nicknames are stored with your household, can be edited or removed at any time, and are covered by the same household sharing settings as the rest of your household data.

Subscription and Seat Access

Every household member already has full access to all modules and features on the free tier. Household members may additionally receive the higher, paid-tier daily AI-assistant allowance through the household owner's subscription plan when the owner's plan includes household members. Such access is dependent on the owner maintaining an active subscription and is subject to the terms of the applicable Subscription Plan. The owner may revoke seat access at any time, which returns that member to the free tier's AI allowance.

10A. Pet Care Features

The Service includes a pet care module that lets you record pet profiles, vaccinations, weight, feeding and activity logs, health events, and milestones. By using these features:

• You represent that you have the right to record this information for the pet(s) in question
• You understand that pet care features are for personal tracking and are NOT a substitute for veterinary advice. Always consult a licensed veterinarian for diagnosis, treatment, and medication.
• Information about a deceased pet ("Rainbow Bridge") may be retained at your discretion as a memorial; you may permanently delete such records at any time
• Any AI-generated suggestions related to pet care (feeding schedules, activity recommendations, vaccination reminders) are informational and do not constitute veterinary advice

10B. Community Activity Features

The Service includes a community module that lets you log volunteering, charitable giving, acts of kindness, and other civic engagement activities. These entries are personal records. By using these features:

• Entries default to private. They are not displayed on leaderboards, social feeds, or any other public surface
• You are responsible for the accuracy of any donation amount or volunteering hours you record. We do not verify these entries and they should not be presented to third parties (e.g., for tax substantiation) without independent documentation
• Recording an entry does not constitute a donation, registration with any nonprofit, or any other legal commitment. The community module is a journaling tool
• We do not facilitate donations, payments to charities, or transfers of money

10C. Opti Score and Engagement Metrics

IMPORTANT DISCLAIMER:

The Service computes an "Opti Score" — a numerical engagement metric derived from the breadth and depth of your use of the Service's modules. Related features include sparklines, streaks, milestones, badges, and shareable cards. By using these features you acknowledge and agree:

• Engagement metric only: The Opti Score is an in-product engagement indicator. It is NOT a credit score, health score, fitness score, financial rating, insurance risk score, or any other regulated rating.
• Not advice: A higher or lower Opti Score does not represent professional advice about your finances, health, parenting, or any other area. Improving the score should not be treated as a substitute for the recommendations of qualified professionals.
• No external use: We do not sell or share Opti Score data with advertisers, employers, insurers, lenders, or other third parties. The score is not used to make any decision that produces legal or similarly significant effects about you.
• Modifiable: Modules that do not apply to you (e.g., Childcare without registered children, Pets without registered pets) can be opted out and will not count toward your score.
• Subject to change: The Opti Score formula, scale (currently up to 800), badge unlock criteria, decay rules, and module weightings may be adjusted at our discretion as the Service evolves.

10D. Influencer / Affiliate Referral Program

The Service operates an influencer / affiliate referral program. Referral codes may be issued by us to selected partners ("Influencers"), who share the codes with prospective users.

For users applying a referral code:

• You may apply at most one referral code per account, recorded on a first-touch basis. Once recorded, the code cannot be changed or removed
• Applying a referral code does not change the price, features, or seats available on your subscription unless an active promotion explicitly says otherwise
• Use of a referral code is at your option — no code is required to use the Service
• Referral rewards for members: When someone you referred with your referral code makes their first paid payment for the One plan, you receive a free month as a referral reward: a credit worth one month of your own plan applied to your next bill (if you subscribe through our website), one month of One-plan access at no charge that ends automatically (if you do not subscribe), or a smaller Opti Points reward instead (if you subscribe through the App Store or Google Play, or have access through a household or organization). One reward per referred person, up to 12 rewards in any 12-month period. A reward is reversed if the referred person's payment is refunded or charged back within 14 days. Rewards have no cash value, are not transferable, and may be changed or withdrawn at any time, and we may withhold rewards obtained through fraud or abuse.
• Codes may expire, be paused, or reach a usage limit; in such cases the Service will display an error and the code will not be applied

For Influencers: Participation in the program is governed by a separate Influencer Agreement provided at onboarding. Commissions are calculated from paid conversions within a configured commission window, are subject to a clawback window for refunds and chargebacks, and are paid out only after the corresponding revenue has cleared. Influencers see only aggregate referral metrics; we do not disclose individual referred users to Influencers without those users' explicit consent.

We may modify, suspend, or terminate the referral program at any time, including modifying commission rates, windows, or eligibility criteria, subject to existing commission obligations already accrued.

Partner Agency Codes

We may issue partner codes (starting with "PA-") to agencies we work with, such as nanny, doula and newborn-care agencies. A partner code gives the account that redeems it the paid plan's higher AI allowance, at no charge, for the number of months stated by the code (never more than three). One partner code may be redeemed per household, ever: if anyone in your household has already redeemed one, another member cannot; the free months apply to the account that redeemed the code. A partner code cannot be redeemed by an account that already has paid access through its own subscription, a household seat or an organization. The free months start when the code is redeemed, end automatically, never renew into a paid subscription, and need no payment details. Codes may be limited in number, paused or withdrawn; free months already granted are honoured until they end. Partner months have no cash value and are not transferable, and we may withdraw them if obtained through fraud or abuse. A partner code is separate from an influencer referral code.

10E. Financial Data and Budgeting

The Service includes a wealth module that lets you record financial accounts, transactions, budgets, and income sources — either by hand or, where available, by connecting a live bank, card, or brokerage account. The Service totals and organizes what you enter or import.

• Not financial advice: Budget totals, spending runway, surplus calculations, and any coaching or narrative language the Service generates about your finances are informational only and do NOT constitute investment, tax, or legal advice. Section 7 (Artificial Intelligence Services Disclaimer) applies equally to these budgeting features. Consult a qualified financial, tax, or legal professional before making decisions based on this information.
• Accuracy depends on you: For an account you enter by hand rather than connect to a live financial institution, the Service's totals and insights are only as accurate and current as what you record.
• Connected accounts: Where available (the United States and Canada only), you may connect a bank, card, or brokerage account through Plaid, a third-party aggregation service we use as a service provider. Connecting retrieves account and transaction data for the account you choose; your login credentials are entered directly with Plaid or your institution and are never seen or stored by OptiAI. The number of connections included with your plan, and any Opti Points cost for an additional connection, are shown in the app and may change. An additional connection is paid for using your Opti Points, whether you earned them or purchased them. If the Points backing an additional connection lapse, that connection is paused rather than deleted: it stops updating but its accounts and transaction history remain, and it resumes automatically once paid. You can disconnect any connected account at any time; disconnecting keeps its accounts and history as accounts you update yourself.
• Household visibility: Financial records you create can be visible to other adults in your household — automatically to a household member marked as a parent, and to anyone you grant access to under Settings → Data Sharing. No one else can see your financial records. The Money In, Money Limits, and Money Out sections of the wealth module can each be shared separately, so you choose what a given household member can see.
• Statement and receipt import: If you upload a bank statement or a photo of a receipt, the document is processed by our AI provider to extract transactions for your review. We do not retain the original file beyond that processing unless you choose to attach it to a record yourself. Nothing extracted is saved to your account until you review and confirm it.
• AI budget suggestions: Suggested budgets and spending limits generated by the Service are informational starting points, not financial advice, and each such request counts as one of your AI actions under Section 7.
• Accounts and Net Worth: An account you add or connect in the wealth module may be mirrored as an asset or liability elsewhere in the Service (for example, in your Net Worth summary and retirement plan) so your totals stay consistent across the app. Every active account counts once.
• Closing versus deleting an account: Closing an account in the wealth module keeps every transaction recorded against it — the account simply stops counting toward your balances and net worth, and you can reopen it at any time. Disconnecting a bank connection likewise keeps your accounts and their history; they become accounts you update yourself. Deleting an account is different and permanent: you choose whether its transactions are deleted with it, and if they are, figures derived from them — including spending limits and income totals for the affected periods — change accordingly and cannot be restored.
• Estimated loan balances: If you describe a loan by its terms (the amount borrowed, interest rate, term and start date) or by a balance on a given date, the Service estimates today's outstanding balance, payoff date and remaining interest on a standard amortisation schedule and updates the estimate as time passes. It is an estimate, labelled as one: your lender's actual balance can differ (for example because of fees, rate changes, missed or extra payments, or the lender's own rounding). Enter a balance from a statement at any time and the Service will count forward from it instead. A credit card balance is never estimated — it is shown as you last entered it, with how long ago that was. A balance synced from a connected account always uses the synced figure.
• Multiple currencies: If you record an account or transaction in a currency other than your household's default, the Service converts it for display using a published exchange rate while keeping a record of the original currency and amount you entered.
• Not sold: We do not sell your financial data, and do not use it for advertising.
• Kids' Money (a family record, not an account): Kids' Money lets a parent or guardian keep a record of a child's money in jars (for example Save, Spend and Give), set an allowance, give chores a money value, set a savings goal with an optional family match, and approve a child's requests to spend. It is a record only: OptiAI does not hold, receive, move, pay out, or safeguard any money, and is not a bank, payment service, or account provider. Any allowance or chore pay shown is a parental record of what the family has agreed, not a payment obligation of OptiAI. Jar balances have no monetary value within the Service and cannot be converted to or from Opti Points. The household owner and household members marked as a parent manage a child's record; other adults can see or manage it only if granted access under Settings → Data Sharing. Optional "family interest" and "family match" figures are amounts the parent chooses to record, not interest or matching paid by OptiAI. Money lessons are general education, not financial advice.
• Chore Stars and pocket money: A parent may set a rate at which a child's Chore Stars can be cashed in for money in that child's Kids' Money jars, with an optional minimum, weekly limit and approval step, and may give a routine a money value. Cashing in moves a family record from one place (Chore Stars) to another (the jars); it is not a purchase, a payment, or a transfer of value by OptiAI, and stars and jar amounts remain records with no monetary value within the Service. Chore Stars and jar amounts are never Opti Points and cannot be converted to or from Opti Points. Suggested allowances, star rates, chores, routines, rewards and goals are general starting points that a parent can change; they are not financial or parenting advice.
• Adding a logged cost to Money: You may add a cost recorded elsewhere in the Service (for example a vet visit, a medicine copay, home maintenance, an item purchase or a donation) to Money as an expense, and you may give any task assigned to a child a Kids' Money value that is recorded once when the task is completed. When a connected account has already imported a matching payment, the Service may use that imported transaction instead of creating a second one; matching is automatic, best-effort and can be undone, and your bank's own records are authoritative. A giving summary is a convenience, not tax advice or a tax receipt.
• Handing a home job or a meal to someone: You decide who does a home job or cooks a meal, and nothing is assigned until you confirm. A worker you assign sees only the task you create for them. You are responsible for the instructions you give, and for telling a cook about any dietary needs that are not saved in OptiAI; the allergy line OptiAI shows a cook is a convenience and is only as complete as the profiles you keep.
• Trip links (cover while you are away): You may arrange cover on a trip for a person on your Care Team or Household Team. You are responsible for choosing who looks after your children, pets, family elders and home, for the accuracy of the dates and any note you give them, and for not putting passwords or account numbers in a note. A sitter or helper sees only what you give them for the dates you set. The packing starter and the travel documents checklist are conveniences: a checklist status is based on the information you stored in your Vault and is not a statement that a document is valid for entry to any country; always confirm entry requirements, passport validity and insurance cover with the relevant authority or insurer before you travel.
• Linking a provider: You decide which provider is linked to a pet, child, trip, home item or medicine, and nothing is linked until you confirm. Links that OptiAI created from records you had already saved are a convenience; check that the right vet, doctor, pharmacy or school is shown before you rely on it. OptiAI does not vet, recommend or endorse any provider, and is not responsible for the services a provider gives you.
• Linking a child's bank account: A parent may assign one of their own bank accounts connected through the Service to a child so that OptiAI reads its transactions into that child's Kids' Money jars and shows spending insights. The parent confirms they are entitled to view that account and to share its activity with the child and with any adult the household owner shares Kids' Money with. OptiAI only reads the account and never initiates, holds or moves money; jar amounts remain family records. Automatic sorting is a best-effort suggestion that a parent can correct; it is not financial advice, and the bank's own records are authoritative. Children aged 13 to 17 are shown that a parent can see the account. A linked account counts toward the household's bank connections.

10F. Inbox, Feedback, and Access Requests

• Inbox: If you turn on the Inbox feature, you may forward emails and image or PDF attachments to your personal OptiAI address so the Service can create calendar and task items from them. You are responsible for forwarding only content you are entitled to share. Items from approved senders are added automatically and can be undone; items that look uncertain are held for your review. AI extraction can be wrong, so check dates and details before relying on them. We keep the extracted items, not the original email or attachments. See the Privacy Policy for details.
• Feedback and ratings: Feedback, bug reports, thumbs-down reports, and app ratings you submit may be used to improve the Service. Ratings are never rewarded and you are never required to give one. We contact you about feedback only if you choose the "You can contact me about this" option.
• Access requests: A household member may ask you to share data with them. You decide whether to decline or to grant View only, View & Edit, or Full access, and you can change or withdraw that access later in Settings → Data Sharing.

10G. Assistant Personalization and Memory

You may customize how Opti communicates (tone, humour, emoji, reply length) and choose what Opti remembers about you and your family, such as interests. You can view, edit, delete or pause these at any time, and you can permanently delete all saved memories with "Forget everything". Opti will not save sensitive reproductive, pregnancy, mood or mindfulness information as a memory.

For children and other members recorded as minors, Opti applies kid-safe defaults (a gentle style, no automatic memory of interests, and no wealth, health or medication advice). A parent or household owner manages a child's assistant style and memory settings. Personalization changes how Opti words its replies; it does not change the accuracy limits described in Section 7, and AI responses remain informational only.

10H. Service Providers and Contracts

You may record the service providers your household uses and the contracts, memberships or session packages you hold with them. OptiAI is not a party to any agreement between you and a provider, does not recommend, vet or guarantee any provider, and is not responsible for their services, prices or availability. Renewal dates, visits remaining and notice deadlines are calculated from the details you enter; always confirm them against your actual agreement before relying on them. You are responsible for having the right to store the contact details you add, including any you import from your contacts. If you enter a weekly class or session schedule, OptiAI adds those sessions to your family calendar and removes the future ones when the term ends or you delete the provider; you remain responsible for confirming times with the provider. Contract documents you upload are stored privately and can be opened only by you; you are responsible for having the right to store them, and you should not upload documents you are not entitled to keep. If you ask OptiAI to read a document, its contents are processed by an AI service to suggest values for you to check before saving. Insurance renewal reviews and emails are drafts prepared for you from the details you have entered and anything you tell us; OptiAI never sends an email on your behalf, does not give insurance advice, and you should check every statement before you send it.

10I. Opti Concierge

Opti Concierge, where available, helps you plan errands such as a restaurant table, a hotel night, a home technician, flowers or a haircut. It suggests a time from your family calendar, places a tentative hold on that calendar, and shows options with a link, phone number or directions so you can book with the provider yourself.

• Opti does not book or pay: in this version Opti does not make a booking, place an order or take a payment on your behalf. A plan is not a booking until you book it with the provider. When you tell Opti you have booked, it marks the plan as booked and keeps the event on your calendar.
• Providers are independent: the businesses suggested are independent third parties. Their prices, availability, opening hours, cancellation terms and service are theirs, and you should confirm them with the provider. Suggestions, ratings and details may come from third-party sources such as Google and may be out of date. We do not receive commission for suggestions in this version; if that ever changes we will tell you on the suggestion.
• Your provider first: where you have saved a provider or contract, Opti shows it first and never swaps it silently for another business.
• Booking requests by email: where available, Opti can email a business on your behalf to ask for a booking. It writes from your household's Opti address and copies you on every email, and it sends nothing until you have seen and confirmed that exact email. A request is not a booking until the business confirms it; when their reply confirms a time, Opti adds it to your calendar. Opti may send up to two short follow-ups if there is no reply, and cancelling sends a cancellation in the same thread. You are responsible for the content of any note you add. If a business asks not to be emailed, Opti stops emailing it.
• Filling a business's web form: where available (currently United States households), you can ask Opti to fill in a business's own quote, contact or booking-request form on its website. Opti fills only your name, phone number, email and, for home visits, your address, plus the service, dates and message you approve. It stops before the form is sent and submits it only after you have checked every value and tapped Confirm in the app; you are responsible for the accuracy of what you confirm. Opti does not log in, solve "are you human" checks, enter card or payment details, one-time codes, dates of birth or passwords, upload files, or use booking platforms or sites that do not allow assistants; when it meets any of these it stops and hands the form back to you. A submitted form is a request, not a booking. Filling a form costs Opti Points (shown before you start), charged only when the business's site confirms the submission and refunded otherwise. The business's own terms and privacy policy apply to what you send it.
• Your mobile number: features that call you (call-backs from businesses, call alerts, check-in calls and the Opti line) need a mobile number you have verified with a 6-digit code sent by text message or read in an automated call. You may only verify a number that is yours or that you are authorised to use, and one number can be verified on one account. Standard message and call rates from your carrier may apply. We use the number only for the code and the calls you set up or ask for, never for marketing. You can change or remove it in Settings > Account at any time; while no number is verified, those features are off.
• Phone calls to a business: where available (currently United States households), you can ask Opti to phone a business you have saved to book, reschedule or ask something. Before each call Opti shows exactly what it will ask for and what it may share, and it dials only when you tap Call. If the business asks, Opti may share your first name (always, because the booking is under it); your verified mobile number for this booking, which is on by default and which you can turn off for any call (if you have no verified mobile, Opti asks which number to give, and uses that number for that booking only); and a confirmation email address unless you turn it off, which is your own Opti Inbox address (for example firstname@in.optiai.me) when you have one for that household, or otherwise your household's Opti booking address, never your personal email. Opti never shares card numbers, ID numbers, your date of birth, medical details or your personal email. By tapping I agree on the calling consent you authorise these calls and this sharing; we record what the consent named and when you agreed. Your choices are fixed once the call starts. Opti may also answer a business's simple question during the call from a small fixed set of non-sensitive household facts, at most three per call and only when relevant to that kind of business: pets (kind and number only), how many people live in your household (a count only), home size (bedroom and bathroom counts), the type and brand of the relevant appliance (no model, serial number or location), your vehicle's make, model and year (for auto businesses only), and how many times you have used that same business before (a count and month). Opti never shares names, children's details, health or money information, ID numbers or date of birth, codes or passwords, when your home is empty, or where items are kept. Each call ends with a "What Opti shared" summary, and you can turn this off in Settings > Concierge ("Let Opti answer simple household questions on calls"). If the business asks something Opti cannot answer, Opti may ask you during the call and pass on only the answer you give. You can also ask Opti to call back to move or cancel a booking it made for you: Opti shows the change before it dials, your original booking stays until the business confirms the change, and Opti Points are used for that call only if they confirm it.
• Health appointments: Concierge does not plan or book doctor, dentist, pharmacy or other health appointments. Where the law allows it (currently the United States and India), you can ask Opti to email a health appointment request; it shares only your name, the times you offer and a callback number unless you add more yourself, each email needs your own confirmation, and only you can see the request. This is not medical advice and not an emergency service.
• Web forms and security checks: when Opti fills in a web form for you, it shows you what it will submit and sends it only after you confirm. It will not get around a website's security checks (such as a CAPTCHA) or a site's rules against automated use; if a site does not allow it, Opti will tell you and stop.
• Children: members recorded as children cannot create Concierge plans or send booking requests; they can suggest an idea to an adult.
• Distance and suggestions: options are found through third-party listings and are limited to a distance from your home or the place you name (a default set by us, your household's own maximum, or what you ask for). Listings can be incomplete or out of date; check the details with the provider before you book.
• Check-ins and tastes: if you turn on taste learning, Opti may ask how a visit went (no more than once a day) and remembers favourites and places you never want suggested. You can turn this off at any time.

10I-a. Opti Call Alerts

Where available (currently United States households), Opti call alerts let Opti phone a member of your household shortly before an item they chose (for example a pickup, a medication time or an appointment) and talk with them, so they can move the item, hand it to another household member, mark it done, hear what is next, or add to the shopping list by voice.

• Each person opts in themselves: every adult turns calls on in their own app and agrees to the call-alerts consent; we record which version of the wording they agreed to and when. Nobody can opt another person in. Calls go only to that person's verified mobile number.
• Stopping calls: saying "stop" or "don't call me" on any call, or turning calls off in Settings > Call alerts, stops further calls to that person straight away. Notifications continue unless they turn them off too.
• Must-not-miss items and backups: for items marked must not miss, Opti may send a notification, then call, then call the backup person the household member chose (only if that person has opted in), then notify the household, and stops as soon as anyone confirms. Quiet hours apply (calls become notifications), except medication calls when the person allows them.
• What Opti says: Opti talks only about the person's own items, their children's and whole-family items, never another adult's, and says an item's title and time only (never dosages, conditions or amounts). Opti is an AI assistant; it is not an emergency service and does not give medical advice. Do not rely on a call alert for anything where a missed reminder could cause serious harm; keep your own reminders for those.
• Opti Points: each connected call uses the number of Opti Points shown in Settings > Call alerts, charged to the person whose alert it is; voicemail, unanswered and failed calls are not charged.
• Leave-by alerts: for an appointment with an address, Opti may estimate the drive from your household's home address using live traffic and call you shortly before you should leave. The estimate is a guide only; allow your own time.
• Calling a business for you: on an alert call you may ask Opti to tell a business that you are running late, or to ask it for another time for a booking Opti made. Opti does this only after you clearly say yes on that call; it is an ordinary Opti business call under section 10I (the same terms, charges and refunds), and your spoken yes is recorded as your go-ahead. The first time, Opti reads the key terms aloud and your yes counts as accepting them.
• Your Opti line: you may phone Opti on the number shown in Settings > Call alerts. Opti recognises your verified mobile or asks for your mobile number and PIN; keep your PIN private, as anyone who has it can use your Opti line. Five wrong PINs lock it until you set a new one. Calls to the line may use Opti Points as shown in Settings (included on the paid plan) and are subject to daily limits.
• Messages from businesses: at the end of each call Opti gives the business the Opti number and a booking reference; a business may call that number back (from any phone) and quote the reference. Without a valid reference Opti only links a callback when exactly one household had Opti call that business number recently; otherwise it takes no message. Opti then only takes a short message and passes it to you in the app; it does not agree to anything or pay, and it shares only the contact details you agreed to share for that booking. A confirmation number they give is added to the booking; a new time is applied only when you confirm it. A message is the business's words as Opti noted them: check anything important with the business directly. These calls cost you no Opti Points and are limited per business per day.

10I-b. Care Check-ins

Where available (currently United States numbers), an adult household member may set up care check-in calls in which Opti phones a family member, including someone who does not use OptiAI or who uses a landline, at set times to ask whether they have taken their tablets.

• Your responsibility as organiser: you confirm that you know the person, that the number is theirs, and that they would want these calls. The number must be confirmed by a one-time call before check-ins start.
• The person's own consent: on the first check-in call Opti asks the person whether the calls are okay. If they say no, or say "stop" or "don't call me" on any call, Opti will not call them again.
• Not medical care or an emergency service: Opti is an AI assistant. It does not give medical advice, diagnose, or judge whether a symptom is serious; if the person mentions feeling unwell it alerts the family and suggests calling their doctor or 911, and for emergency symptoms it tells them to hang up and call 911. A check-in is not a substitute for care, supervision, medical alert devices or emergency services, and a call may fail or go unanswered.
• Opti Points: each connected check-in call uses the Opti Points shown in Settings > Call alerts, charged to the organiser; confirmation calls, voicemail, unanswered and failed calls are not charged.

10J. Home Map (Where Things Live)

Home Map lets you record which room, storage spot, and drawer or shelf your household's items live in. Where an item is kept is visible to the members of your household who can see your Inventory, together with who last moved it and when. You can mark an item as private, which makes it visible only to the person who added it; only that person can change this. You can also mark a storage spot (for example a safe) as sensitive, in which case Opti will not say what is inside it over WhatsApp, Telegram, or other chat channels, although you can still see it in the app. Household members recorded as children can look things up but cannot move items or change places. Home Map is a convenience for remembering where you put things and is not a security or inventory-control system; do not rely on it to secure valuables or documents. Deleting a room, storage spot, or drawer does not delete the items in it.

10K. Protection and Weekly Money Check-Ins

Protection and the optional weekly money check-in give you general information about your own records. They are not financial, legal, tax or insurance advice, and OptiAI does not sell, recommend, rank or compare insurance, investment or any other financial product, and does not receive commissions for any. The coverage checklist compares what you have recorded with commonly used rules of thumb; it names the rule and the facts it used, shows ranges rather than amounts you need, and may be wrong or incomplete because it depends on what you have entered. Choosing "worth a look" or "not applicable" does not change any policy. The emergency-fund target is a number you choose, measured only against the accounts you select.

• Documents: the important-documents list stores only a status, a review date and a short note about where a document is kept. It does not store the document, and you should not enter account numbers or passwords in the note.
• Weekly check-in: it is off until you turn it on, sends at most one coaching message a week, can be paused or stopped at any time, and is written from fixed templates using your own figures rather than by an AI. A missed week simply passes. Any suggested step happens only if you choose it.
• Asking Opti: if you ask Opti a question about these features, it answers from your own records, ends with a reminder that it is general information, and declines to recommend products. A licensed adviser can tell you what fits your situation.

10L. Family Safety (Check-Ins and SOS)

Family Safety lets parents and legal guardians in a household ask a child to check in, set scheduled check-ins, and be told if the child taps "I need help". Adults can take part only by their own choice. OptiAI is not an emergency service. It never calls, texts or contacts emergency services, police or anyone outside the people described below, and it must not be relied on in an emergency: call your local emergency number.

• Who may switch it on and add children: only a household member marked as a parent by the household owner who has not told us they are under 18, after confirming their password. By adding a child you confirm that you are that child's parent or legal guardian and that you consent on the child's behalf (including, where the law requires, as verifiable parental consent for a child under 13 in the United States or under the age set by the child's country). Only children under 18 by date of birth can be added; when a child turns 18 their check-ins stop.
• Adults: nobody can enrol another adult. An adult (a user who told us they are an adult) may choose, in their own app and without needing a parent in the household, the specific people who may check on them, and can pause or remove anyone at any time; we ask them to confirm every 90 days and pause the permission if they do not. An adult without the app may receive check-in calls only after saying yes on the first call, and saying "no" or "stop" ends them.
• Acceptable use: you must not use Family Safety to monitor, follow, control or harass anyone, including a partner or another adult, or add anyone who is not your child as a child. We limit how often a person can be asked, apply quiet hours, record every request, location view and SOS where every guardian (or, for an adult, the person themself and the people they chose) can see it, and may suspend Family Safety or your account for misuse.
• Locations: a location is shared only when the person taps a check-in or "I need help", never in the background. An SOS shares live location for up to 60 minutes while the person's app is open, and they can stop it at any time. Locations, moods and notes are deleted after 30 days.
• Calls and points: if a child with a verified number does not answer, Opti may phone them (currently North American numbers only) with a short automated message; a connected call uses the Opti Points shown in the app, charged to the person who asked. Calls are not recorded.
• Wellbeing messages: if a check-in note sounds like someone is struggling, Opti shows a public crisis line and tells their guardians or chosen people. Opti does not give advice or counselling.
• Requests from authorities: we disclose Family Safety data only in response to valid legal process (for example a court order or warrant) that we are legally required to follow, limited to what it requires, and we notify the affected people where the law allows. Data that has already been deleted under our retention schedule cannot be provided.

10M. Importing Data From Other Apps

You may upload exports or screenshots from other apps so OptiAI can propose items to add to your account. You must have the right to upload that content, and you should upload only information about yourself and the people in your household that you are entitled to share. OptiAI's proposal is produced with AI and may be incomplete or wrong; you are responsible for reviewing it before you import. Nothing is added until you confirm, imported items follow the sharing settings of the area they land in, and you can undo an import for 7 days. Uploaded files are deleted after the import, and after 7 days at the latest (see the Privacy Policy, Section 8h). OptiAI is not affiliated with, or endorsed by, the apps you import from.

10N. Letters to Your Children

Letters lets a parent write a letter, with an optional photo and voice note, that is sealed and delivered to their child later: on a date, at an age, at a milestone the writer marks, or never (kept in the writer's vault).

• Who may write: the person who added the child in Childcare, a parent in the child's household, or the household owner. You confirm you may write to that child, and you are responsible for what you write.
• Sealing: once a letter is sealed its words, photo and voice note cannot be changed by anyone, including you or OptiAI staff; you can add a P.S. until it is delivered, and you can delete a letter that has not been delivered.
• Privacy: only you can read your letters. You can share an individual letter with a co-parent in your household, read-only. Household owners, other parents and data-sharing settings never give anyone access, and the child cannot see a letter, or that it exists, before it is delivered.
• Delivery: letters are delivered on the morning of the chosen day where the child lives (a 29 February birthday is marked on 28 February in common years), to the child's own OptiAI account, by an email with a private link that opens only after a one-time code sent to the same address, or as a printed keepsake. If there is nowhere to deliver yet, we ask you to choose. We aim to deliver reliably but cannot guarantee delivery many years in the future, for example if an email address stops working or the service changes; we will tell you in advance of any change that affects undelivered letters.
• Deletion: if you delete your account, your letters that have not been delivered are deleted. A letter that has already been delivered stays with the child. "If something happens to me" (release by a trusted contact) is not yet available.

10O. Life Setup and Setup Reminders

Life setup guides you through OptiAI's features one step at a time. You can skip any step or area, stop at any time, or decline it entirely. Steps marked done may reflect information you already added elsewhere in the Service. If you leave setup unfinished we may send reminders as described in the Privacy Policy (Section 9a); you can turn them off at any time in Settings → Notifications → Setup reminders or with the link in any reminder email. Completing setup may earn a small, one-time Opti Points award, which has no cash value and follows the Opti Points terms.

10P. Family Letters

Family Letters lets a member of your household who has an OptiAI account write a letter, with an optional photo and voice note, to another member who has an account. It can be sent now or sealed until a date or an occasion (a birthday, an anniversary or a graduation).

• Who may write and to whom: any household member with an account, to any other household member with an account. You are responsible for what you write.
• Privacy: a family letter can be read only by its writer and the person it is written to, and by that person only once it opens. Other family members, household owners and admins, data-sharing settings and OptiAI staff in the normal course of the Service do not get access.
• Sealing: once a letter is sent or sealed its words, photo, voice note and opening date cannot be changed by anyone. Nobody can open a sealed letter early, including the writer, who keeps their own copy. The writer can delete a letter that has not been delivered yet.
• Children under 13: a letter written by a household child under 13 (or a child whose age we do not know) is held until a parent in the household approves it. That parent sees the letter once to decide; after approval it is between the writer and the recipient only. If the only parent who can approve is the recipient, they will see it before its opening day.
• Delivery: a sealed letter opens on the morning of its day where the recipient lives. We aim to deliver reliably but cannot guarantee delivery far in the future, for example if an account is deleted.
• Deletion: if the writer deletes their account, their letters that have not been delivered are deleted; a delivered letter stays with its reader.

10Q. Care Team and Care Log

Care Team lets a family give a person they choose (a nanny, babysitter, au pair, childminder, tutor or grandparent: a "caregiver") access to care information about the children the family assigns to them, and lets that caregiver record a care log (meals, naps, outings, homework, medication given, incidents and notes) for the family.

• Not a marketplace, not a background check: OptiAI is not a babysitting marketplace or an employment agency. We do not find, vet, screen, background-check, employ or supervise caregivers, and we make no statement about any caregiver's suitability. Choosing, checking and supervising a caregiver is entirely the family's decision and responsibility.
• Not medical advice: care cards, care log entries, summaries and anything Opti says about them are records and reminders only; they are not medical advice, diagnosis or treatment and not an emergency service. In an emergency, call your local emergency number first.
• Families: any parent in the household (or the household owner) may invite, pause, change or end a caregiver's access. You choose which children each caregiver looks after and whether they may give medication, see the children's photos and collect the children. You are responsible for the instructions and information you give a caregiver, and for having the right to share it.
• Caregivers: you must be 18 or older. A caregiver is never a member of the family's household and sees only the care information for the children assigned to them, only while their access is active.
• Medication: a caregiver can record only medication the family authorised. If a dose was already recorded for that day, a second one is refused and not recorded; check with the family before giving more.
• Incidents: an incident report alerts every parent at once, including during quiet hours, and again with an email if nobody acknowledges it within 15 minutes. These alerts depend on devices, networks and providers outside our control and are not guaranteed; they do not replace calling the family or emergency services.
• Ending care: when a family ends care (or the end date passes), the caregiver's access stops at once and the family's information is removed from the caregiver's device the next time the app opens. The caregiver keeps only their work record: the family's display name, dates, number of shifts, hours and any reference the family chose to write. The family keeps every entry.
• Letters from a caregiver: a caregiver may write a letter to a child they are assigned to. It is delivered to the child only after a parent has read it and approved it; a parent may instead ask for changes or decline it, and cannot edit the caregiver's words. A caregiver must not write anything that is unsafe, inappropriate for a child, or that asks the child to keep a secret from their parents. If care ends, letters not yet approved are withdrawn, and letters already approved stay with the family and the child.

Caregiver terms. If you join a family's Care Team as a caregiver, you also agree that:

• Confidentiality: you will use what you see about the family and its children only to care for the children assigned to you, and you will not copy, screenshot for sharing, post, sell or discuss it with anyone outside your role, during or after your work for the family.
• The family owns the log: everything you record belongs to the family, including after you leave.
• Photos stay in the app: you will not download, forward or publish the children's photos.
• Not a household member: you only see the children you are assigned to, and only while the family keeps your access active.
• One family at a time: you will never share, copy or carry one family's information (including its children, pets, photos, addresses and routines) to another family, and you will not record, photograph or screenshot it. Each family's workspace stays separate; OptiAI records which screens you open so the family and you can both see that activity, and may show a faint name watermark on those screens, block screenshots on Android and blur the screen during recording on iPhone.
• Emergencies first: in an emergency you will call the local emergency number first, then tell the family and record what happened.

10R. Elder Care (cared-for adults)

Elder care lets a family keep a care log for an adult they look after (a "cared-for adult") and give a home aide the access they need. It uses the Care Team described in Section 10Q, and everything there applies.

• Not medical advice, not a medical device: the log, care plan, medication schedule, "outside usual range" flags and anything Opti says about them record what people see and do. They do not diagnose, monitor or treat anything and are not an emergency service. In an emergency, or after a fall with any sign of injury, call your local emergency number first.
• Consent first: if the person has their own OptiAI account, nothing is recorded about them until they agree. They choose who may read the log, can see every entry about them, and can stop it at any time; stopping ends every carer's access at once and earlier entries stay in the person's own account. Being a parent or the owner of a household does not by itself give anyone the right to read a cared-for adult's log; only the readers the person (or, for a managed profile, the adult who set it up) chose can.
• Managed profiles: if the person has no account or cannot decide for themselves, an adult family member may create a managed profile. By doing so you confirm that the basis you record (power of attorney, primary carer, legal guardian, or another reason with the family's agreement) is true and that you will act in the person's interest. The basis, your name and the date are recorded and visible to other adults in the household. OptiAI does not verify legal authority; misrepresenting it is your responsibility, and we may remove a profile if we learn it is untrue.
• Medication: a home aide can record only medication the family authorised. The same dose is not recorded twice in a day, an as-needed dose respects the minimum gap set in the care plan, and a dose is not accepted long before it is due. These checks are conveniences and do not replace the prescriber's or pharmacist's instructions.
• Falls and incidents: a fall report alerts the people allowed to read the log straight away, including during quiet hours, and again with an email if nobody acknowledges it within 15 minutes. These alerts depend on devices, networks and providers outside our control and are not guaranteed.
• Advance directives: the care plan may say where a document is kept. The document itself is never stored in the care plan.
• Plan links: appointment dates, refill dates, refill reminders, shopping-list items and reminders to a home aide are organising conveniences based on what you enter. They are not medical advice, do not replace a prescriber's or pharmacist's instructions, and depend on devices, networks and providers outside our control, so a reminder may arrive late or not at all. You decide whether to show a medicine name on the household shopping list, which everyone in the household can see. Only an editor of the care plan can remind an aide, and only an aide who looks after that person, for a day inside their care dates.

10S. Pet Care (pet sitters and walkers)

Pets > Care Team lets a family give a pet sitter, dog walker, home boarder, groomer or trainer the access they need to look after their pets. It uses the Care Team described in Section 10Q, and everything there applies.

• Not veterinary advice: care cards, logs, dosing rules and anything Opti says about them record what people see and do. They do not diagnose or treat an animal and are not an emergency service. If a pet is injured or unwell, call your vet or emergency vet first.
• Medication: a sitter can record only medication the owner authorised. A dose is refused when the day's doses are done or the last one was too recent, as set by the owner. These checks are conveniences and do not replace your vet's instructions.
• Home and keys: a house access note is shared only with the sitters of that pet and only while they are assigned. You decide what to write in it and whether sharing a key or code is right for you. OptiAI is not responsible for what a sitter does at your home, is not a pet-sitting marketplace and does not run background checks.
• Incidents: an incident report alerts the owner and household managers straight away, including during quiet hours, and again with an email if nobody acknowledges it within 15 minutes. These alerts depend on devices, networks and providers outside our control and are not guaranteed.
• No tracking: a walk records how long it took. OptiAI does not track a sitter's location.

10T. Household Team, Warmth and the Cleaning Schedule

Household Team lets a family give the people who work in the home (a housekeeper, cook, driver, gardener, house manager or similar: "staff") the access they need. It uses the Care Team described in Section 10Q, and everything there applies, including that staff are never members of your household.

• Not an employer, not payroll, not legal advice: OptiAI is not your staff member's employer or a payroll, tax, insurance or immigration service. Pay records, leave and monthly statements are a shared record of what you and your staff member agree. They are not a contract, a payslip or advice, and you are responsible for following the employment, wage and tax rules where you live. We never ask for bank account or card numbers and refuse to store them in notes.
• Pay is private to you and the person paid: only the family, the staff member concerned (and, if you give one the pay power, a house manager) can see a pay record. Records are corrected by voiding, not editing. Bank transactions that match a recorded payment may be linked so it is counted once; you can unlink them.
• AI is billed to the employing household: when a staff member or caregiver uses Opti in your family's workspace (including messaging apps, voice transcription and translation), it uses your AI allowance, never theirs, with a daily limit per person that you can see and change. When the limit or your allowance is used up they can still log with simple buttons.
• Points, badges and reactions: families can earn a small one-time number of Opti Points for setup milestones (a first caregiver or staff member joining, a first week of care log, a first pay record, a first milestone). Staff and caregivers do not earn points from your household. Badges celebrate good work, are never penalties, and a family may hide a person's badges. A parent can react with a heart or a thank-you to an entry or summary, and the person who wrote it is told.
• Cleaning schedule: an owner or parent confirms every plan before it is saved. Photos of rooms used to draft a plan are processed to suggest tasks and are not stored. A done-photo attached to a cleaning job is kept like other household photos, visible to the household only.
• Milestones from the care log: only a parent (or, for an adult you care for, a person they allowed) can mark a care log entry as a milestone; a caregiver can only suggest one by flagging their own entry. A milestone is a moment to celebrate and is not a medical, developmental or veterinary assessment or advice.
• Photos, videos and voice notes: you may add only photos, videos and recordings that you have the right to share, and you are responsible for having the consent of anyone who appears or speaks in them. Media is kept in your family's private library under an allowance that may be changed, and files may be refused or resized if they are too large or too long. You can delete what you or your team added; deleting the entry, the family or your account deletes the files as described in our Privacy Policy.
• Keep your own records: if you employ someone, the law where you live may require you to keep pay and hours records for several years (in the US often three to four years). OptiAI is not a record-keeping service for that purpose: download your statements before you delete entries, a staff member, or your account.
• Keep families separate: you agree never to share one family's information with another family. Staff who work for several families have a separate, sealed workspace for each.

10U. Learning Studio

Learning Studio helps a parent or guardian plan, teach and record their children's learning at home. It is built for families in the United States. It is a planning and record-keeping tool: it is not a school, it does not accredit anything, and a parent or guardian stays in charge of every child's learning. Everything in Section 9 (Children's Data and Parental Consent) and Section 10 applies, and children's learning profiles are created and controlled by a parent or guardian.

Future Page (Career and Interest Ideas)

The Future page suggests strengths, interests and possible pathways for a child, with typical school and training routes, to help a family talk about what comes next. It is general guidance generated from your own records with AI and reviewed by you; it is not professional careers advice, educational or vocational counselling, an assessment or a prediction, and nothing on it decides or limits a child's options. Routes are typical examples that differ by country, school and year: check them with the school or an official careers service before relying on them. We do not show salary or job-growth figures. Gap checks are an optional guide, not a target. You decide which pathways a teen can see and you are responsible for how you use the page with your child. Building or refreshing the page uses the household's Learning AI allowance and is available only to an adult parent or guardian.

Standards, Licences and Attribution

Our lessons are written by OptiAI (we call this "OptiAI Core") and are mapped to public standards so you can see what a lesson covers. Mapping a lesson to a standard is our own description. It is not an endorsement by, or an affiliation with, the organisations that publish the standards.

• Common Core State Standards (English language arts and mathematics): © Copyright 2010. National Governors Association Center for Best Practices and Council of Chief State School Officers. All rights reserved. Used under the licence published at thecorestandards.org.
• Next Generation Science Standards (NGSS): NGSS is a registered trademark of Achieve. Neither Achieve nor the lead states and partners that developed the Next Generation Science Standards were involved in the production of this product, and do not endorse it.
• CSTA K–12 Computer Science Standards: © Computer Science Teachers Association, licensed under Creative Commons Attribution-NonCommercial-ShareAlike 4.0 (CC BY-NC-SA 4.0). Because OptiAI is a commercial service, we refer to these standards by their code, with a link to the original at csteachers.org, and we do not reproduce or re-word them.
• Open materials: where a lesson uses OpenStax textbooks, Project Gutenberg texts or PhET Interactive Simulations (University of Colorado Boulder), the lesson credits the source and its licence (Creative Commons Attribution 4.0 for OpenStax and PhET; public domain for Project Gutenberg texts, used without the Project Gutenberg name or logo). Those materials stay under their own licences and are not made exclusive to us.
• Standards are shown free: the standards and our mapping to them are shown at no extra charge on every plan. What is metered is use of the AI features, not the standards.
• Your own and shared plans: lesson plans you share in a Circle keep your authorship. By sharing one you give the other members the licence you chose when you shared it. A plan never includes your children's data.

Lesson Time and Hours Records

• System-recorded: lesson time is measured by the app while a lesson is open, visible and in use, and pauses when the app is in the background, the screen is hidden or nobody has interacted for a few minutes. A child cannot change it. One lesson runs at a time for each child; starting another pauses the first.
• Parent adjustments: a parent may adjust a lesson's minutes with a reason. The recorded value is kept beside the change and both appear in the records and exports. You are responsible for the accuracy of adjustments and of time you log by hand.
• Not an official record: hours and attendance in Learning Studio are a record-keeping aid. Whether they meet your state's homeschool requirements is for you to check; we do not certify them.

Not a Test, Not an Assessment, Never a Diagnosis

• "Where to start" is not a test or assessment. It suggests a starting point in our curriculum. It has no pass or fail, is not a measure of ability, and the result is yours to ignore.
• Mastery and progress views are tools to help you plan. They are not grades, evaluations, or evidence of achievement for any school or authority unless you choose to use them that way.
• OptiAI never diagnoses. It does not tell you or anyone that a child has, or may have, a disability, learning difference or medical condition, and it does not say whether a child needs an evaluation. If you are worried, talk to a qualified professional.
• Transcripts and records are issued by you, the parent or guardian. OptiAI does not accredit a course or a diploma and makes no promise about how any school, college or employer will treat them.
• Compliance packs (what a state or district may ask a home educator to keep or file) are general information to help you organise your records. They are not legal advice, may be out of date or incomplete, and you are responsible for checking your own state's requirements, ideally with the authority or a lawyer.

School Records, Achievements and Insights

• Entered by families: report cards, grades, homework, awards and goals in Learning Studio are entered or confirmed by you, the parent or guardian, including anything Opti reads from a photo. You are responsible for checking them. Learning Studio is not a school record system and is not an official transcript or a school's grade book, and it makes no promise about how a school, college or employer will treat what you keep.
• Insights are informational: "How is your child doing" read-outs are AI-written suggestions based on the figures you have entered. They are not an educational, psychological or professional assessment, a grade, a prediction or a diagnosis, can be wrong or incomplete, and should not be the only basis for any decision about your child. Talk to your child's teacher or a qualified professional about concerns. Insights are for adults aged 18 and over.
• Who can see school records: a parent decides which other adults can see school records through Data sharing, School records. Being an adult in the household is not enough. You are responsible for whom you share with.

Homeschool Report Cards (OptiAI Core)

• You are the teacher: for a child you homeschool with OptiAI Core, report cards fill in automatically from lessons, practice and checks. Each grade is a suggestion worked out the way the app explains (lessons mastered so far and accuracy on lesson checks). You review it, may change it with a short reason, add comments and finalise it. The grade on a finalised card is your assessment as the parent or guardian.
• Not an official record: a finalised card says it was prepared by you using OptiAI Core. It is a homeschool record, not an official school document, an accredited transcript or a grade from a school, and we make no promise about how a school, college, employer or authority will treat it. You are responsible for meeting any homeschool rules where you live.
• What it does not count: work done away from the app (books, outside classes, offline projects) is not counted automatically. Use your own judgement, an adjustment and comments for those.
• Strengths and next steps: Opti may draft short strengths and next steps from the numbers. They are suggestions you can edit, not an educational or psychological assessment, and they never diagnose or label your child. Drafting them uses your household's Learning AI allowance and is for adults aged 18 and over.

Early Years Activities (Birth to 5)

• Suggestions for a grown-up: early-years activities in Learning Studio are ideas for you to do together with your child. They are not lessons your child completes alone.
• Not an assessment, never a diagnosis: they are not a medical, developmental or educational assessment and do not tell you whether a child is developing as expected. Children grow at their own pace, and we never diagnose. If you have questions about how your child is growing, your child's doctor or health visitor is the right person to ask.
• Adult supervision is required: stay with your child for every activity. You are responsible for judging whether an activity, material or food suits your child, and for watching for choking hazards (small objects and food), water (stay within arm's reach) and cords, string and ribbon. Stop and put away anything that is not safe for your child.
• Screen time: early years is designed so the screen is not the activity. For children under 2, the screen speaks to the grown-up and the play happens away from the screen. For ages 2 to 5, shared sessions are short, there is no autoplay, and each ends with a prompt to play away from the screen. The grown-up decides when and whether to use a device.

Learning Differences and Supports

You may choose to describe how a child learns (for example a support such as larger text, or a note about a need). This is "special category" information under these Terms. We store it only if you agree, separately, for that child. It is private to the parent or guardian who created it, it is never sent to an AI model, and it is never used to make a lesson "harder" or "easier" in a way you cannot see. You can withdraw your agreement at any time; withdrawing stops new notes and supports being stored straight away, and existing notes stay private until you delete them. Notes you share, and with whom, are your decision through Data Sharing.

AI Drafts and the AI Allowance

• Drafts, reviewed by you: AI can draft lessons, weekly notes and report narratives. Every draft is for a parent or guardian to review, edit or reject before anyone relies on it. AI can make mistakes, including factual errors. Nothing an AI drafts is an official document until you approve it.
• Your child's name is never sent: when we ask an AI model to help, we send the subject, grade level and learning goal, not your child's name or contact details, and not learning-difference notes.
• No training: our AI providers act under contract as our processors and may not train their models on your children's data.
• Metered per household: Learning AI is shared by everyone in the household, is separate from Opti chat, has a daily limit, and can be extended with Opti Points. The limit is shown in the app and may change; we do not promise a particular amount.

AI Tutor (Not Available for Now)

• Not available for now: OptiAI's AI features are for adults (18 and over), and the AI tutor is switched off while we move teen-facing AI to a provider whose terms allow use by teens. The rest of this section describes how it will work when it returns; we will update these Terms first.
• Age and consent (if it returns): Opti Tutor would be for teens aged 13 and up, and only after a parent or guardian turns it on for that teen. It is not offered to children under 13. You can turn it off at any time, and that takes effect immediately.
• What it is for: help with schoolwork. It does not write the work for the learner, does not give medical, legal or mental-health advice, and does not replace a parent or a teacher.
• Transcripts and retention: tutor chats are kept for 12 months. After that we summarise them and delete the chat itself. Tutor chats are never added to Opti's memory and are never used for advertising or to train models.
• Teens know what you see: by default a parent sees summaries and a flag if a wellbeing or safety concern comes up, and the teen is told what their parent can see. A parent can choose to see full chats; the teen is told when that changes and it is never hidden from them.
• Safety flags: if a chat suggests a wellbeing or safety concern, the system records a flag containing a category code only, never the words of the chat. Both parents or guardians and the teen can see the flag, and parents get a plain notification that carries no child name or chat content. The tutor will also point the teen to the 988 Suicide & Crisis Lifeline (call or text 988 in the United States) and to a trusted adult, and to 911 in an emergency. It is not a crisis service and cannot call anyone for you.

Circles (Parents Only)

A Circle is a group of parents and guardians (a co-op, class or learning group) who plan together. Circles are for adults only: there are no child accounts, no boards for children or teens, and no photos or videos of children in Circles.

• Membership: an organiser invites families. Other members see the adult's name and the families' children shown only as a first name and an age band, never a full name, date of birth, or learning information. A place or address for an event is shown only to families who have replied "yes".
• Trips and permission slips: a trip organiser can collect a permission slip signed by typing your name. A typed name is treated as your signature for that slip. Emergency contacts for a trip are visible only to the trip lead, and only for a short window around the trip (until three hours after it ends), for families who replied "yes". Slips are kept as a record of what you agreed.
• Conduct and reports: you agree to follow Section 12 and the Circle's rules, and not to share anything about another family's children outside the Circle. Any member can report a post or a person. Reports go to our Trust and Safety review. Our targets are a first response within 4 hours for severe reports and within 2 business days for others. These are targets, not guarantees. Content that appears unsafe may be hidden while we review it. We may remove content, a member or a Circle, and where the law requires we will report to the authorities.
• Shared plans: a plan you share carries the licence you chose; organisers can remove a plan from the Circle. You are responsible for having the right to share it.
• No guarantee of safety: OptiAI does not run background checks and cannot vouch for any member. Using a Circle, meeting in person and attending a trip are your choices, and you remain responsible for your children's supervision.

Records, Photos and Exports

• Portfolio and evidence: photos and files you add as evidence of learning are stored privately. Location and other metadata (EXIF) is removed from images when they are uploaded, and files are opened only through short-lived signed links.
• Visibility: sharing evidence, records or transcripts with another adult is your choice through Data Sharing. Learning-difference notes are excluded from exports and sharing by default.
• Export and delete: you can export a child's learning records and delete them at any time. Deleting your account deletes the learning records you created, on the schedule in Section 18.
• When a child turns 18: from age 18 the young adult may take their own records, and a parent's access ends unless the young adult keeps sharing it.

Code Studio and Virtual Labs

• Code runs on your device: programs a learner writes run on their own device in a restricted sandbox, with no access to the internet, files, camera or microphone, and the code is kept on that device and in the learner's own attempt record.
• Labs are safe or virtual: hands-on activities use ordinary household items and simulations. Where a step involves heat, sharp tools, chemicals or similar, an adult must tap to confirm they are present before the step opens. You are responsible for supervising your children. OptiAI is not responsible for injuries or damage from an activity you choose to carry out.

11. User Content and Submissions

You retain ownership of content you submit ("User Content"). By submitting User Content, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, and process such content solely for the purpose of operating, maintaining, and improving the Service. This license continues for as long as your content is stored on the Service and terminates upon deletion of such content, except where retention is required by law or as described in Section 18 (Data Retention and Deletion). We will not sell, publish, or distribute your personal content to third parties except as necessary to provide the Service (e.g., cloud infrastructure providers) or as required by law.

You represent and warrant that you own or have the necessary rights to grant this license and that your User Content does not violate any third-party rights or applicable laws.

Feedback: Any feedback, suggestions, ideas, or other submissions you provide to us regarding the Service become our sole property. We may use, modify, and implement such feedback without any obligation to you.

11A. User Content on Social Media

If you publicly post content featuring OptiAI (for example, a screenshot of your dashboard) on a social media platform and tag or mention OptiAI (such as @realoptiai or #optiai), you grant OptiAI a worldwide, non-exclusive, royalty-free, revocable license to re-share, display, and feature that content in OptiAI's marketing and promotional materials, with attribution to your public handle or profile. This license applies only to content you have made publicly available and in which you have tagged or mentioned us. We will honor requests to stop using such content on a going-forward basis; contact us using the details in these Terms.

You represent that you have the right to grant this license and that the content does not include another person's private information without their consent. Because OptiAI dashboards can display personal health, financial, and family information, we recommend you remove or redact any sensitive personal information before posting publicly.

12. Prohibited Activities

You agree NOT to engage in any of the following:

• Violating any applicable laws, regulations, or third-party rights
• Using the Service for any fraudulent, abusive, or illegal purpose
• Manipulating or gaming the OptiPoints system
• Creating multiple accounts to abuse rewards or circumvent restrictions
• Impersonating any person or entity
• Transmitting viruses, malware, or harmful code
• Attempting to gain unauthorized access to any systems or data
• Interfering with the proper functioning of the Service
• Collecting or harvesting personal information of other users
• Using automated systems or bots to access the Service
• Circumventing any security measures or access restrictions
• Engaging in any activity that could harm our reputation

13. Indemnification

You agree to defend, indemnify, and hold harmless Aspire Digital LLC, its parent companies, subsidiaries, affiliates, officers, directors, employees, agents, licensors, and suppliers from and against any and all claims, damages, obligations, losses, liabilities, costs, and expenses (including but not limited to attorney's fees) arising from:

• Your use of and access to the Service
• Your violation of these Terms
• Your violation of any third-party rights, including intellectual property rights
• Your User Content
• Any claim that your use of the Service caused damage to a third party
• Your negligent or wrongful conduct

This indemnification obligation will survive the termination of these Terms and your use of the Service.

14. Disclaimer of Warranties

THE SERVICE IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS 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 ANY CONTENT
• WARRANTIES THAT THE SERVICE WILL MEET YOUR REQUIREMENTS OR EXPECTATIONS

YOUR USE OF THE SERVICE IS AT YOUR SOLE RISK. NO ADVICE OR INFORMATION OBTAINED FROM US SHALL CREATE ANY WARRANTY NOT EXPRESSLY STATED IN THESE TERMS.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

• WE SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, PUNITIVE, OR EXEMPLARY DAMAGES, INCLUDING BUT NOT LIMITED TO DAMAGES FOR LOSS OF PROFITS, GOODWILL, USE, DATA, OR OTHER INTANGIBLE LOSSES
• OUR TOTAL CUMULATIVE LIABILITY FOR ANY CLAIMS ARISING FROM OR RELATED TO THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO US IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100)
• WE ARE NOT LIABLE FOR ANY HEALTH ISSUES, INJURIES, FINANCIAL LOSSES, OR OTHER DAMAGES RESULTING FROM YOUR USE OF AI RECOMMENDATIONS, FITNESS FEATURES, OR FINANCIAL TRACKING TOOLS

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN DAMAGES, SO SOME OF THE ABOVE LIMITATIONS MAY NOT APPLY TO YOU.

16. Dispute Resolution and Binding Arbitration

PLEASE READ THIS SECTION CAREFULLY. IT AFFECTS YOUR LEGAL RIGHTS, INCLUDING YOUR RIGHT TO FILE A LAWSUIT IN COURT.

Agreement to Arbitrate: You and we agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service ("Dispute") will be resolved exclusively through binding individual arbitration, rather than in court, except as provided below.

Arbitration Rules: Arbitration will be conducted by the American Arbitration Association ("AAA") under its Consumer Arbitration Rules. The arbitration will be conducted in English and held in Texas, USA, or at another mutually agreed location.

CLASS ACTION WAIVER: YOU AND WE AGREE THAT EACH MAY BRING CLAIMS AGAINST THE OTHER ONLY IN YOUR OR ITS INDIVIDUAL CAPACITY AND NOT AS A PLAINTIFF OR CLASS MEMBER IN ANY PURPORTED CLASS, COLLECTIVE, OR REPRESENTATIVE ACTION. THE ARBITRATOR MAY NOT CONSOLIDATE MORE THAN ONE PERSON'S CLAIMS AND MAY NOT PRESIDE OVER ANY FORM OF REPRESENTATIVE OR CLASS PROCEEDING.

Small Claims Exception: Notwithstanding the above, either party may bring an individual action in small claims court for disputes within the court's jurisdiction.

Opt-Out Right: You may opt out of this arbitration agreement by sending written notice to legal@optiai.me within 30 days of first accepting these Terms. The notice must include your name, address, and a clear statement that you wish to opt out of arbitration.

17. Termination

Termination by You: You may terminate your account at any time through the account settings or by contacting support.

Termination by Aspire Digital LLC: We reserve the right to suspend or terminate your access to the Service at any time, with or without cause, with or without notice. Reasons for termination may include, but are not limited to:

• Violation of these Terms
• Fraudulent, abusive, or illegal activity
• Conduct harmful to other users or us
• Extended periods of inactivity
• Upon request by law enforcement or government agencies

Effect of Termination: Upon termination, your right to use the Service ceases immediately. All accumulated OptiPoints will be forfeited. Provisions that by their nature should survive termination shall survive, including indemnification, limitation of liability, and dispute resolution. For details on how your data is handled upon termination, see Section 18 (Data Retention and Deletion).

18. Data Retention and Deletion

We are committed to responsible data management. This section describes how your data is handled during and after your use of the Service.

Financial records created in the wealth module — including manually entered accounts, transactions, budgets, and income sources — are covered by this same account-deletion and backup-purge window; there is no special-cased retention for financial data.

Account Deletion

You may delete your account at any time through your account settings or by contacting support@optiai.me. Upon account deletion:

• Your personal data, including profile information, health records, financial data, and other content, will be permanently deleted within 30 days
• Data that has been shared with household members may remain accessible to those members, but your identity will be disassociated from it
• Children's data entered solely by you will be deleted along with your account
• Anonymized or aggregated data that cannot identify you may be retained for analytics and service improvement
• Active subscriptions will be canceled and no refunds will be issued for the remaining billing period

Data Export

You may request a copy of your personal data by contacting support@optiai.me. We will provide your data in a commonly used, machine-readable format within 30 days of your request, in accordance with applicable data protection laws.

Inactive Accounts

Accounts that remain inactive for 24 consecutive months may be subject to termination. We will attempt to notify you via email at least 30 days before any action is taken on an inactive account. Upon termination of an inactive account, your data will be handled as described in the Account Deletion section above.

Legal Retention

Notwithstanding the above, we may retain certain data as required by applicable law, regulation, or legal process (e.g., tax records, fraud prevention, or dispute resolution). Such data will be retained only for as long as legally required and will be securely deleted thereafter.

Backup Systems

Deleted data may persist in encrypted backup systems for up to 90 days before being permanently purged. During this period, backup data is not actively used or accessible and will not be restored except in the event of a system-wide disaster recovery.

19. Intellectual Property Rights

The Service and its entire contents, features, and functionality (including but not limited to all information, software, text, displays, images, video, audio, design, selection, and arrangement) are owned by Aspire Digital LLC, its licensors, or other providers and are protected by United States and international copyright, trademark, patent, trade secret, and other intellectual property or proprietary rights laws.

Trademarks. OptiAI® is a registered trademark of Aspire Digital LLC (U.S. Reg. No. 8433025). The OptiAI logo and other marks are trademarks of Aspire Digital LLC. You may not use them without prior written permission.

Nothing in these Terms grants you any right, title, or interest in or to the Service or any intellectual property therein.

20. Service Modifications

We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time, including the availability of any feature, database, or content, without notice or liability. We may also impose limits on certain features or restrict access to parts or all of the Service without notice.

21. Mobile Application Terms

The following terms apply when you access the Service through a mobile application downloaded from the Apple App Store or Google Play Store (each, an "App Store"):

General

• These Terms are between you and Aspire Digital LLC only, and not with the App Store provider
• The App Store provider has no obligation to provide maintenance, support, or warranty services for the application
• App updates may be required for continued use of the Service. You are responsible for installing updates in a timely manner
• Mobile data charges from your wireless carrier may apply when using the application. You are solely responsible for any such charges
• Features and functionality may vary between platforms (iOS, Android, and Web)

Apple App Store

If you downloaded the application from the Apple App Store, you additionally acknowledge and agree that:

• Apple Inc. ("Apple") is not a party to these Terms and has no responsibility for the application or its content
• Any claims relating to the application, including product liability claims, consumer protection claims, or intellectual property infringement claims, are the sole responsibility of Aspire Digital LLC, not Apple
• In the event of any failure of the application to conform to any applicable warranty, you may notify Apple for a refund of the purchase price (if any). To the maximum extent permitted by law, Apple has no other warranty obligation with respect to the application
• Apple is a third-party beneficiary of these Terms and may enforce them against you
• You represent that you are not located in a country subject to a U.S. Government embargo or designated as a "terrorist supporting" country, and that you are not listed on any U.S. Government list of prohibited or restricted parties
• In-App Purchases: Subscriptions purchased through the iOS app are processed by Apple via In-App Purchase. Apple is the merchant of record, handles billing, manages renewals, and processes refunds in accordance with the Apple Media Services Terms and Conditions. We receive a transaction identifier and product identifier from Apple to grant entitlements, but we do not receive your Apple ID, payment method, or billing address.
• Subscription management on iOS: You manage your iOS subscription (including cancellation) through Apple's Subscription Management screen (Settings → [your name] → Subscriptions). We cannot cancel an Apple subscription on your behalf.

Google Play Store

If you downloaded the application from the Google Play Store, you additionally acknowledge and agree that:

• Google LLC ("Google") is not a party to these Terms and has no responsibility for the application or its content
• Your use of the application is also subject to the Google Play Store Terms of Service
• Google is not responsible for addressing any claims you may have relating to the application

22. Third-Party Services and Integrations

We rely on third-party service providers to operate and deliver the Service. By using the Service, you acknowledge that your data may be processed by the following categories of providers:

• Web Payment Processing: Stripe, Inc. handles payment transactions on the web. Your use of these features is subject to Stripe's Terms of Service and Privacy Policy.
• iOS Payment Processing: Apple Inc. handles In-App Purchase transactions on iOS via StoreKit. Apple is the merchant of record for iOS subscriptions; billing, renewal, and refunds are governed by the Apple Media Services Terms and Conditions.
• Data Storage and Authentication: Supabase provides database hosting, user authentication, and file storage services.
• Social Sign-In: Apple (Sign in with Apple) and Google (Google Sign-In) provide optional social authentication. When you use these, the provider authenticates you and shares basic profile information with us, as described in the Privacy Policy.
• Artificial Intelligence: Google (Gemini) provides AI-powered features including recommendations, advisory suggestions, image and document understanding, and content generation. To answer questions that require current information, the AI may also run a live web search through Google's search service and cite its sources.
• Error Monitoring: Sentry is used for error tracking and performance monitoring to improve service reliability.
• Email Delivery: Resend handles transactional email delivery including account notifications and alerts.
• Web Hosting: Vercel provides frontend hosting and content delivery.
• App Distribution & Push: Apple and Google provide app distribution and push notification services through their respective app stores. Apple additionally sends App Store Server Notifications to us for subscription lifecycle events.
• Mapping & Geocoding: Google Maps provides location-based features, address autocomplete, and place geocoding.
• Weather: Open-Meteo provides destination weather forecasts for travel trips.
• Grocery Delivery: Instacart's Developer Platform generates a cart link when you choose to order groceries through the Service.
• Web Analytics (web only): Google Analytics 4 and Meta Pixel — see the Privacy Policy for details.

Your use of the Service may be subject to the terms and privacy policies of these third-party providers. We are not responsible for the practices, availability, or security of third-party services. We encourage you to review the terms and privacy policies of any third-party services that interact with the Service.

We may change third-party service providers at any time without notice, provided the functionality of the Service is maintained. Any links to third-party websites or services within the application are provided for convenience only and do not constitute an endorsement by us.

22a. Chat-App Channels

Where available, you may connect a messaging app (currently Telegram, WhatsApp, Facebook Messenger and Instagram) so you can send Opti messages, photos and forwarded notes to add items to your OptiAI account.

• Third-party terms apply: your use of a messaging app is governed by that app's own terms and privacy policy, and by the age requirements it sets. We are not responsible for the availability, security or delivery of messages through a third-party app, and we do not guarantee that every message will be received or processed.
• Processing: we process the content you send to create items for you, as described in the Privacy Policy. Items are added to the account and household you connected; you are responsible for what you send and for the people whose information you forward.
• WhatsApp: WhatsApp is provided by Meta and is subject to its own terms. Message content is processed to add items for you and is not stored by OptiAI. Send STOP at any time to opt out. Messages that Opti starts (for example a briefing) are sent only if you opt in, and because WhatsApp can charge for business-initiated messages, each may cost a small number of Opti Points.
• Messenger and Instagram: Facebook Messenger and Instagram direct messages are provided by Meta and are subject to its own terms. Message content is processed to add items for you and is not stored by OptiAI. Opti only replies to messages you send; it cannot start a conversation or reply more than 24 hours after your last message. Send STOP at any time to opt out.
• Adults only: only adult account holders may connect a chat app. Members recorded as children cannot.
• Family group chats: where available, a connected adult may add Opti to a group chat (for example a family Telegram group, or a WhatsApp group created from Settings). The group is then linked to that adult's household. Everyone in the group can read Opti's replies there, so do not ask Opti about anything you would not share with the whole group. Only connected adult members of that household can use Opti in the group, and each request is handled as the person who sent it, with that person's own access. Questions about health, money, documents or private items are answered in the asker's private chat instead of the group, but Opti may not recognise every private request; you remain responsible for what you send to a group. Any adult member of the household can stop Opti answering in a group from Settings, or by sending /unlink in the group.
• Your control: send STOP in the chat, or disconnect in Settings, at any time. We will not message you first unless you have opted in, and you can opt out at any time. Items already added are kept unless you delete them.
• Costs: we do not charge you for messages. Your mobile data or carrier charges, and any fees from the messaging app, remain your own. Chat messages that use AI count toward your AI allowance like any other request.
• Accuracy: Opti may misread a message. Check what it added; every addition can be undone.

22b. Document Vault

Where available, the Document Vault lets you store copies of documents such as identity papers, policies, warranties, receipts and school papers.

• Your responsibility: you are responsible for what you upload and for having the right to store it, including documents that belong to other people. Do not upload content that is unlawful or that you are not entitled to keep.
• No verification or advice: we do not check, validate or certify any document, and nothing in the vault is legal, financial, tax or medical advice. Medical records belong in the Health sections, not the vault.
• Not a legal record: a stored copy is a convenience. We do not guarantee that a copy will be accepted as an official or legal record. Keep originals wherever the law or an institution requires them.
• Availability: we aim to keep the vault available but do not guarantee uninterrupted access or that a file will never be lost. Keep your own backup of anything you cannot replace. Reminders are a courtesy and may be delayed or missed, so you remain responsible for renewal dates.
• Sharing: you may share a document only with adult members of your household. You are responsible for who you share with.
• Deletion: you can delete a document at any time, and your documents are deleted when you delete your account, as described in the Privacy Policy.

22c. Check-in Calls on WhatsApp (India)

Where available, you can ask OptiAI's assistant, Opti, to place a friendly check-in call on WhatsApp to a parent or relative in India, and to send you a short summary.

• Their agreement comes first: you confirm that the person has agreed to be set up. Opti calls only after they accept our WhatsApp call request, and stops when they reply STOP, decline, or withdraw permission in WhatsApp, or tell Opti on a call. You must not set up calls for anyone who has not agreed.
• India numbers only: the feature supports mobile numbers in India (+91). You are responsible for entering the correct number of the person you mean to call.
• Not a medical or emergency service: these are wellbeing check-ins. Summaries are Opti's notes, not medical advice. Opti cannot send help or contact emergency services. If you are worried, call the person, a local contact or the local emergency number (112 in India).
• Points and messaging: calls that connect use Opti Points at the rate shown before you set up. WhatsApp message and call delivery depends on WhatsApp and the carrier, and we do not guarantee that a call or alert will be delivered.
• Sharing: summaries are visible to you and to the family members who already help care for that person in Elder care.

23. Force Majeure

We shall not be liable for any failure or delay in performing our obligations under these Terms due to circumstances beyond our reasonable control, including but not limited to: acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, accidents, pandemics, strikes, shortages of transportation, facilities, fuel, energy, labor, or materials, failure of telecommunications or information systems, or cyberattacks.

24. Governing Law and Jurisdiction

These Terms shall be governed by and construed in accordance with the laws of the State of Texas, United States, without regard to its conflict of law provisions.

For any matters not subject to arbitration, you consent to the exclusive jurisdiction and venue of the state and federal courts located in Austin, Texas, or the federal courts of the Western District of Texas for the resolution of any disputes.

25. Severability and Waiver

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

Our failure to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision.

26. Entire Agreement

These Terms, together with the Privacy Policy and any other legal notices published by us on the Service, constitute the entire agreement between you and us regarding the use of the Service and supersede all prior and contemporaneous agreements, proposals, or representations, written or oral, concerning the subject matter hereof.

27. Changes to Terms

We reserve the right to modify these Terms at any time. Material changes will be notified through the Service or via email. Your continued use of the Service after such notification constitutes acceptance of the modified Terms. If you do not agree to the modified Terms, you must discontinue use of the Service.

28. Contact Information

For questions about these Terms, please contact us at:

Aspire Digital LLC
Email: legal@optiai.me
Support: support@optiai.me
Website: https://myoptiai.com