Terms of Service

These Terms of Service (“Terms”) form a binding agreement between Fiatos LLC, a Colorado limited liability company (“Fiatos,” “we,” “us”), and you (“you,” “User”). They govern your access to and use of fiatos.ai and any product, service, application, or website operated by Fiatos and linking to these Terms (collectively, the “Services”). By using the Services, you agree to these Terms. If you do not agree, do not use the Services.

Product-specific terms (including our End User License Agreement for software products such as Lucid) supplement these Terms and prevail over conflicting provisions for the relevant product.

1. Eligibility and Accounts

You must be at least 18 years old to register an account or, if registering on behalf of a child for a product such as Lucid, you must be the child’s parent or legal guardian. Lucid is intended for children under the supervision of a registered parent or guardian; child users do not register their own accounts.

You agree to provide accurate registration information, keep your password secure, and notify us promptly of any unauthorized account access. You are responsible for activity under your account.

2. SMS Program Terms

If you provide your mobile phone number, you consent to receive transactional SMS messages from Fiatos, including one-time login codes (“magic links”), account notifications, security alerts, and other transactional messages relating to the Services. Message frequency varies by use. Message and data rates may apply. Reply STOP to any message to opt out; reply HELP for help, or email ben@fiatos.ai. Consent to receive SMS is not a condition of purchase.

We do not send marketing SMS. We do not share or sell mobile numbers or SMS opt-in data with third parties for marketing purposes.

3. License to Use the Services

Subject to these Terms, Fiatos grants you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the Services for your personal, non-commercial use, or for your internal business purposes if you are a paid subscriber. All other rights are reserved. Use of any downloadable software is additionally subject to our End User License Agreement.

4. Acceptable Use

You agree not to:

• Use the Services in violation of any law or regulation, or in a manner that infringes any third party’s rights;
• Reverse engineer, decompile, or attempt to extract source code, model weights, or proprietary architectures from the Services, except as expressly permitted by law;
• Probe, scan, or test the vulnerability of the Services without our prior written consent;
• Use automated means (bots, scrapers, crawlers) to access the Services beyond reasonable individual use, or to circumvent rate limits;
• Submit content that is unlawful, harmful, threatening, harassing, defamatory, obscene, sexually explicit (especially involving minors), hateful, or otherwise objectionable;
• Use the Services to send unsolicited commercial messages of any kind;
• Use the Services to develop a competing product or to train a machine learning model on Fiatos outputs;
• Resell, sublicense, or redistribute the Services or any output without our written consent.

We may suspend or terminate accounts that violate these rules, with or without notice.

5. User Content

You may submit text, queries, documents, or other content to the Services (“User Content”). You retain ownership of your User Content. You grant Fiatos a worldwide, royalty-free license to host, store, transmit, display, and process your User Content solely as necessary to operate and improve the Services for you, in accordance with our Privacy Policy. We do not use User Content to train third-party AI models without your consent.

You represent that you have all rights necessary to submit User Content and that submission does not violate any law or third-party right.

6. Children’s Use (Lucid Specific)

If you are a parent or guardian using Lucid on behalf of a child, you represent that you have the authority to do so and that you have read and accepted Fiatos’s Privacy Policy and these Terms on behalf of the child. You may review, modify, or delete your child’s profile and content at any time from your parent dashboard or by emailing ben@fiatos.ai.

7. Subscriptions, Fees, and Billing

Some Services are offered on a paid subscription basis. Pricing, billing frequency, and feature scope are set out at the point of purchase and may be updated with reasonable notice. Subscriptions auto-renew until canceled. You may cancel at any time; cancellation takes effect at the end of the current billing period and previously charged fees are non-refundable except where required by law. Taxes are your responsibility unless we are required to collect them. Payments are processed by our third-party payment processor (currently Stripe).

8. Intellectual Property

The Services, including all software, content, designs, logos, and trademarks (other than User Content), are owned by Fiatos or our licensors and are protected by intellectual property laws. Nothing in these Terms transfers any ownership to you. “Fiatos,” “Lucid,” “Dossier,” and the Fiatos logo are trademarks of Fiatos LLC.

9. AI Outputs and Disclaimers

The Services include AI-generated outputs (e.g., reading material adapted in Lucid, research synthesis in Dossier). AI outputs may be inaccurate, incomplete, or unsuitable for a particular purpose. You are responsible for reviewing AI outputs before relying on them. Fiatos does not guarantee the accuracy, completeness, or fitness of any output. Outputs are not legal, medical, financial, or other professional advice.

10. Third-Party Services

The Services may integrate with or rely on third-party services (e.g., cloud infrastructure, AI model providers, payment processors). Your use of those services is subject to their own terms. Fiatos is not responsible for third-party services or content.

11. Disclaimer of Warranties

The Services are provided “as is” and “as available” without warranty of any kind, express or implied, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement. We do not warrant that the Services will be uninterrupted, secure, or error-free, or that defects will be corrected. Some jurisdictions do not allow the exclusion of implied warranties; in those jurisdictions, the foregoing exclusions apply only to the extent permitted by law.

12. Limitation of Liability

To the maximum extent permitted by law, Fiatos will not be liable for any indirect, incidental, consequential, special, exemplary, or punitive damages, or for lost profits, revenue, data, or goodwill, arising out of or related to the Services, whether based on contract, tort, or any other legal theory, even if Fiatos has been advised of the possibility of such damages. Fiatos’s total liability for any claim arising out of or related to the Services will not exceed the greater of (a) the amount you paid Fiatos for the Services in the 12 months preceding the claim, or (b) one hundred U.S. dollars ($100).

Some jurisdictions do not allow the limitation of certain damages; in those jurisdictions, the foregoing applies only to the extent permitted.

13. Indemnification

You agree to indemnify and hold harmless Fiatos, its officers, employees, and contractors from any claim, loss, liability, or expense (including reasonable attorneys’ fees) arising out of (a) your use of the Services in violation of these Terms or applicable law, (b) your User Content, or (c) your violation of any third-party right.

14. Termination

We may suspend or terminate your access to the Services at any time, with or without notice, including for violation of these Terms. You may terminate your account at any time by closing it from the account settings or by emailing ben@fiatos.ai. Sections that by their nature should survive termination (including ownership, indemnification, disclaimers, limitations of liability, and governing law) survive.

15. Changes to the Services or Terms

We may modify the Services or these Terms at any time. We will provide reasonable notice of material changes (e.g., by email, in-product banner, or update to the “Last Updated” date) at least 30 days before they take effect, where reasonably possible. Continued use of the Services after the effective date of a change constitutes acceptance.

16. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Colorado, without regard to conflict-of-laws principles. Any dispute arising out of or related to these Terms or the Services that cannot be resolved informally must be brought exclusively in the state or federal courts located in Jefferson County, Colorado, and you consent to personal jurisdiction and venue there. The U.N. Convention on Contracts for the International Sale of Goods does not apply.

17. Miscellaneous

If any provision of these Terms is held unenforceable, the remaining provisions remain in effect. Our failure to enforce any provision is not a waiver. You may not assign these Terms without our written consent; we may assign them in connection with a corporate transaction. These Terms, together with the Privacy Policy and any product-specific terms (including the EULA), constitute the entire agreement between you and Fiatos with respect to the Services.

18. Contact

Fiatos LLC
14335 West Center Drive
Lakewood, CO 80228, USA
ben@fiatos.ai