Your privacy. Your rights.

Nilo Terms of Service

Effective date: September 28, 2026

Service provider: B9S Labs, Inc.

Business mailing address: 2261 Market Street, Suite 12999, San Francisco, CA 94114, United States

Support and legal contact: [email protected]

1. Agreement and eligibility

These Terms govern your use of the Nilo iOS app and its associated account and AI services (the "Service"). They form an agreement between you and the service provider identified above ("Nilo," "we," "us," or "our"). Please read them before using the Service. By accepting these Terms or creating an account or using the Service after being given an opportunity to review them, you agree to them. If you do not agree, do not create an account or use the online Service.

You must be at least 13 years old and meet any higher minimum age required by the laws where you live. If you are under 18, or below the legal age of majority where you live if higher, you may use Nilo only with permission from your parent or legal guardian. They must review these Terms and the Privacy Policy with you and agree to these Terms for your use to the extent permitted by law. A parent or guardian who gives permission should supervise the minor's use in a manner appropriate to their age. Nothing here removes a minor's mandatory legal rights.

By agreeing to these Terms, you represent that you meet these age requirements and have the parental or guardian permission required for your use. You must not misrepresent your age or permission, or evade an eligibility restriction. Children under 13 may not use Nilo, even with parental permission. These representations do not waive protections or remove obligations imposed by applicable child-privacy or consumer law.

If you use Nilo on behalf of an organization, you must have authority to bind it, and references to "you" include that organization where appropriate. You may use Nilo only where doing so is lawful and the Service is offered.

Our Privacy Policy explains how information is processed and the limits of our access to it. Agreement to these Terms does not authorize uses of personal information beyond the purposes disclosed in that policy or replace any consent required by applicable law.

2. What Nilo provides

Nilo provides AI-generated conversation, writing and analysis assistance, attachment processing, and optional web search. AI processing requires an internet connection, an eligible account, and available service capacity. Models, features, and usage limits may change as the Service develops.

Nilo is an automated system, not a person, licensed professional, emergency service, or fiduciary. Responses can be inaccurate, incomplete, outdated, biased, inappropriate, or fabricated, including invented quotations and citations. Review responses and verify important facts against reliable sources before relying on or sharing them. Web search does not guarantee correctness.

Do not use Nilo as a substitute for professional medical, mental-health, legal, tax, financial, or other regulated advice, or as the sole basis for a decision that could cause serious harm. Do not rely on it to diagnose, treat, respond to an emergency, or make consequential decisions about another person's rights or opportunities. In an emergency, contact the relevant local emergency service.

3. Your account and encrypted history

Protect your login credentials, recovery information, and devices. Do not sell, lend, or share account access. Tell us promptly if you suspect unauthorized access. You are responsible for your own use and for access you authorize, subject to any rights you have under applicable law; this does not make you automatically responsible for incidents caused by our failure to meet our obligations.

Your chat history and attachments are encrypted, and we cannot read them. We do not keep copies of your chat history on our servers or in our account backups, so we cannot restore it for you. Keep a safe copy of information you cannot afford to lose.

You may stop using Nilo and request account deletion at any time. Contact [email protected] to make a request or get help exercising your rights. We delete active account data promptly after verifying your deletion request and remove residual account data from backups we control within 30 days, except for the minimum records that a specific legal obligation requires us to retain. Your chat history remains encrypted, and we do not keep copies of it in those account records or backups. The Privacy Policy explains how to remove saved conversations and how provider records are handled. Account deletion does not erase a copy you have shared or retained elsewhere.

4. Your content and generated output

"Input" means the messages, files, images, and other material you submit. "Output" means the responses generated for you. You retain any rights you have in Input. You must have the rights and permissions needed to submit it and have it processed as requested, including permission to use another person's confidential or personal information where required.

As between you and Nilo, you own Output to the extent ownership is permitted by law. To the extent Nilo has assignable rights in that Output, we assign them to you. This does not assign third-party rights in material that appears in an answer or search result, guarantee that copyright exists, or guarantee that an Output is unique or free of third-party claims. Similar outputs may be generated for other people.

You give us limited permission to process Input and Output privately, only as needed to provide the features you request. If you enable web search, this includes the search queries described in section 6. This permission does not allow us to read your private conversations, publish or sell them, use them for advertising, or train models on them.

You are responsible for reviewing Output before using it, for your use and distribution of it, and for respecting applicable attribution, intellectual-property, privacy, and other legal requirements. Do not falsely present AI-generated material as human-authored when that would mislead others or violate the law.

5. Acceptable use

You must not use Nilo to:

• Violate applicable law or another person's intellectual-property, privacy, confidentiality, or other legal rights.
• Create, obtain, promote, or distribute child sexual abuse material or content that sexually exploits minors.
• Facilitate credible violence, terrorism, trafficking, sexual exploitation, non-consensual intimate imagery, stalking, targeted threats, or other serious harm.
• Carry out fraud, deceptive impersonation, credential theft, malicious software distribution, unauthorized computer access, or other abusive activity.
• Encourage suicide or self-harm, or obtain instructions intended to facilitate imminent physical harm.
• Make unlawful discriminatory decisions or use unreviewed AI responses as the sole basis for consequential decisions about employment, housing, credit, education, health care, insurance, or legal rights.
• Bypass account security, usage limits, or other access controls; disrupt or overload the Service; or access another person's account without authorization.
• Resell access, run unauthorized automated bulk traffic, or create multiple accounts to evade limits.

These restrictions do not prohibit lawful discussion, education, research, or defensive security work merely because it concerns a sensitive subject. They do not restrict activities that applicable law expressly permits despite a contract restriction. Report a suspected security issue privately to [email protected] without accessing other users' information or disrupting the Service.

Do not submit regulated data whose processing requires a special agreement, such as protected health information handled on behalf of a HIPAA-covered organization, unless we have expressly agreed in writing to the required arrangement. Nilo's encryption is not a representation that the Service satisfies every industry-specific compliance requirement.

We may investigate reported misuse using account, usage, and security records or information someone deliberately submits in a report, restrict access, or take other proportionate action. We cannot inspect your protected conversations to enforce these rules and do not promise that every harmful output will be prevented. Content you separately choose to send to support or include in a report is readable by the people handling that communication; doing so does not give them access to your other conversations.

6. Your privacy

Nilo cannot read your private conversations, including your messages, attachments, and AI responses. They are protected by cryptography. Messages go to Nilo's service to generate responses privately. Our AI infrastructure providers cannot read your conversations either. Your chat history is encrypted, and we do not keep copies of it on our servers or in our account backups.

We may hold account, usage, connection, and operational analytics records, and billing information if you choose a paid feature, as explained in the Privacy Policy. These records do not contain your messages, attachments, or AI responses. Legal requests and business transfers do not give us the ability to read your conversations.

No system can eliminate every risk. Rare implementation bugs, security vulnerabilities, or a compromised device could affect these protections. We remain responsible for our obligations under applicable law.

Web search is optional and off by default in new conversations. If enabled, queries and requested web addresses are sent to Exa and may contain details from your messages. Exa can read those queries. Information you separately choose to send to support is readable by the people handling your request.

External websites, operating-system services, and other services you choose may have separate terms. We do not control their independent content or guarantee their availability. We remain responsible for our own obligations and for provider responsibilities that applicable law places on us.

7. Availability, limits, and charges

The current version does not charge users through a subscription, paid credits, or in-app purchases. Usage allowances are service limits; they are not money in an account and have no cash value. We may limit requests or temporarily pause access because of capacity, usage limits, abuse prevention, maintenance, or security issues.

If we introduce paid features, we will show their price and applicable terms before you choose to purchase. Use of the current free Service does not authorize a future charge. We will not enroll you in an automatically renewing plan without your express agreement. Any future App Store purchase will be subject to the disclosed purchase terms, Apple's applicable billing rules, and mandatory consumer protections.

We aim to provide a reliable Service but do not promise uninterrupted availability or a particular response time. Where reasonably practicable, we will give notice of a material reduction or discontinuation. Urgent security, legal, or operational circumstances may require immediate changes.

8. Suspension and termination

We may restrict, suspend, or terminate access when reasonably necessary because of a material breach of these Terms, a legal requirement, fraud or abuse, a security risk, or discontinuation of the Service. We will act proportionately and, where reasonably practicable and lawful, explain the reason and allow an opportunity to resolve the issue. Temporary usage limits are not necessarily a finding of misuse.

You may contact [email protected] to request review of a restriction. Ending access does not authorize indefinite retention of your information: the Privacy Policy continues to govern retention and deletion. Copies you separately saved, exported, or shared remain your responsibility to manage.

Provisions that by their nature need to continue, including content ownership, applicable liability limits, dispute provisions, and accrued rights, survive termination. No provision survives in a way that overrides your mandatory privacy rights.

9. Our intellectual property

We and our licensors retain the rights in the Nilo name, branding, app, and service technology. These Terms grant access to use the Service as permitted; they do not transfer ownership of that technology. Separate open-source components remain governed by their own licenses. Nothing here restricts rights those licenses give you or activities that applicable law protects.

10. Warranties and liability

We will provide the Service with the care and skill required by applicable law. Except for express commitments we make and rights that cannot lawfully be excluded, the Service and its Output are provided "as is" and "as available." To the extent permitted by law, we disclaim implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not promise that Output will be accurate, that access will be uninterrupted, or that every security risk can be eliminated. These qualifications do not cancel our express privacy commitments.

To the extent permitted by applicable law, neither Nilo nor its personnel or suppliers will be liable under these Terms for indirect, incidental, special, or consequential losses, or lost business profits, arising from the Service. Our total aggregate liability arising out of or relating to these Terms or the Service will not exceed the greater of US $100 or the amount you paid Nilo for the Service during the 12 months before the event giving rise to the claim.

These exclusions and the cap do not apply to fraud, intentional misconduct, gross negligence, death or personal injury caused by negligence, or any liability or remedy that applicable law does not allow us to exclude or limit. They do not reduce statutory consumer guarantees, mandatory remedies for defective digital services, or non-waivable data-protection rights. If you are a consumer, any restriction applies only to the extent lawful in your place of residence.

11. Apple app license and support

If you obtained Nilo through Apple's App Store, the software license for the iOS app is governed by Apple's Standard Licensed Application End User License Agreement and applicable App Store usage rules. These Nilo Terms govern the associated service and supplement that license; they do not replace it with a custom EULA or reduce rights provided by it. In a conflict about the app license, the applicable Apple license and mandatory law control.

Nilo's service agreement is with the operator identified above, not Apple. Contact us at [email protected] for app and service support. Apple's obligations, if any, remain those in its own applicable agreements and under mandatory law. Nothing here changes Apple's role under its standard license or applicable purchase and refund rules.

12. Changes to these Terms

We may update these Terms for changes to the Service or law. We will publish the revised text and effective date. For a material change, we will provide reasonable advance notice in the app and seek renewed agreement where required. Changes required urgently for security or legal compliance may take effect sooner, with notice as soon as reasonably possible.

Changes apply prospectively and do not remove rights that have already accrued. If you do not agree to a material change, you can stop using the Service and request account deletion. A change to these Terms does not itself grant permission for a new use of personal information.

13. Disputes and general provisions

Please contact [email protected] if a dispute arises so we can try to resolve it. Contacting us is not a mandatory prerequisite to exercising a statutory right or meeting a filing deadline. These Terms do not require arbitration or waive participation in a class or representative action. Disputes may be brought in courts with jurisdiction under applicable law, including any mandatory right a consumer has to use courts in their place of residence.

If a provision is unenforceable, it will apply only to the extent lawful, and the remaining provisions continue. A delay in enforcing a right does not waive it. We may transfer this agreement with the Service as part of a legitimate business transfer, provided the transfer does not reduce your contractual or mandatory rights. You may not transfer your account without our consent except where applicable law allows it.

These Terms, any purchase terms you separately accept, and the applicable app license govern their respective subject matter. The Privacy Policy explains our data practices and contains the privacy commitments referenced here. No provision overrides mandatory consumer or data-protection law.

14. Contact

B9S Labs, Inc.

2261 Market Street, Suite 12999, San Francisco, CA 94114, United States

Support, legal questions, and complaints: [email protected]