Terms of Service

These Terms of Service ("Terms") govern your access to and use of Kuulo, an AI note-taking application for iPhone and Mac, and any related services provided by CL3 Holdings Ltd, a company incorporated in England and Wales with company number 16504597 and registered office at 167–169 Great Portland Street, London, England, W1W 5PF ("we", "us", or "Kuulo").

By downloading, installing, or using the Kuulo app, you agree to these Terms. If you do not agree, do not use Kuulo.

Effective date: 9 June 2025
Last updated: 19 June 2026

Questions? Email us at support@kuulo.ai.

1. The service

Kuulo is an on-device AI note-taking application that transcribes and summarises audio on your iPhone or Mac. All audio processing occurs locally on your device using on-device machine learning models. Your recordings and transcripts are never transmitted to or stored on our servers.

We reserve the right to modify, suspend, or discontinue any part of the service at any time. Where practicable, we will give you reasonable notice of material changes.

2. Eligibility

You must be at least 13 years old to use Kuulo. If you are between 13 and 17, you confirm that you have obtained consent from a parent or legal guardian to use the service. By using Kuulo, you represent that you meet these age requirements.

You may not use Kuulo if you are prohibited from doing so under the laws of the United Kingdom or the country in which you reside.

3. Account registration

To access Kuulo's full features, you must create an account using a valid email address. You are responsible for:

Providing accurate and complete registration information
Maintaining the confidentiality of your login credentials
All activity that occurs under your account

You must notify us immediately at support@kuulo.ai if you believe your account has been compromised. We are not liable for losses arising from unauthorised use of your account where you have failed to take reasonable steps to keep your credentials secure.

You may not create an account on behalf of another person without their authorisation, or create multiple accounts to circumvent usage limits or access tiers.

4. Licence to use Kuulo

Subject to your compliance with these Terms, we grant you a personal, non-exclusive, non-transferable, revocable, limited licence to download and use the Kuulo app on Apple devices that you own or control, solely for your personal or internal professional purposes.

This licence does not permit you to:

Copy, modify, or create derivative works of the app or any part of it
Reverse-engineer, decompile, or disassemble the app
Sell, sublicence, rent, or lease the app or your account to any third party
Use the app to provide services to third parties on a commercial basis without our prior written consent
Remove or circumvent any technical protection measures in the app
Use the app in any way that violates applicable law or these Terms

All rights not expressly granted in these Terms are reserved by CL3 Holdings Ltd.

5. Subscriptions and payments

5.1 Free tier

Kuulo offers a free tier with limited features. We may change the features included in the free tier at any time with reasonable notice.

5.2 Paid subscriptions

Kuulo offers optional paid subscriptions that unlock additional features. All subscriptions are managed by Apple through the App Store.

Subscription terms important notice: Subscriptions automatically renew unless auto-renewal is turned off at least 24 hours before the end of the current subscription period. Your Apple ID account will be charged for renewal within 24 hours prior to the end of the current subscription period.

You can manage and cancel your subscription at any time in the App Store account settings on your device (Settings → [your name] → Subscriptions). Cancellation takes effect at the end of the current billing period; you retain access to paid features until then.

We do not offer refunds for partially used subscription periods, except as required by applicable consumer protection law or Apple's own refund policies. Refund requests must be directed to Apple in accordance with their standard process.

5.3 Free trials

Where we offer a free trial, you will be notified of the trial period length before it begins. Your subscription will begin automatically at the end of the trial unless you cancel before the trial period expires.

5.4 Price changes

We may change subscription prices with at least 30 days' notice. Continued use of the paid subscription after the price change takes effect constitutes your acceptance of the new price. You may cancel your subscription before the new price takes effect if you do not agree to it.

5.5 Apple billing

All billing is handled by Apple. We do not have access to your payment card details. Apple's terms and policies govern payment processing. In the event of a billing dispute, you should contact Apple Support directly.

6. Your content

6.1 Ownership

You retain all ownership rights in the notes, transcripts, recordings, and other content you create using Kuulo ("Your Content"). We do not claim any proprietary rights over Your Content.

6.2 Our limited licence

Because all processing occurs on-device and we do not receive Your Content, we do not need — and do not take — any licence to use Your Content. If you choose to share content with us (for example, by emailing a support query), you grant us a limited, non-exclusive licence to use that content solely for the purpose of responding to your query.

6.3 Your responsibility for content

You are solely responsible for Your Content. You represent and warrant that:

You have all necessary rights, licences, and consents to create and process the recordings you make using Kuulo, including the consent of any individuals who appear in those recordings where required by applicable law
Your use of Kuulo to record conversations complies with all applicable laws, including those governing interception of communications and data protection
Your Content does not violate any third-party intellectual property rights or applicable law

We are not responsible for and do not monitor Your Content.

7. Acceptable use

You agree not to use Kuulo to:

Record conversations without the knowledge or consent of participants where required by applicable law (recording laws vary by jurisdiction — you are responsible for understanding and complying with the laws in your location)
Record or store content that is unlawful, harmful, threatening, abusive, harassing, defamatory, or that constitutes hate speech
Infringe the intellectual property rights of any third party
Collect or harvest personal data from other individuals in breach of applicable data protection law
Distribute malware or interfere with the operation of Kuulo or any third-party systems
Attempt to gain unauthorised access to Kuulo's infrastructure or another user's account
Use Kuulo for any purpose that is illegal under applicable law

We may suspend or terminate your account if we have reasonable grounds to believe you have violated these acceptable use provisions.

8. Intellectual property

The Kuulo app, including its software, design, trademarks, logos, and content (excluding Your Content), is owned by CL3 Holdings Ltd or licensed to us by third parties and is protected by copyright, trademark, and other intellectual property laws. The "Kuulo" name and logo are trademarks of CL3 Holdings Ltd.

Nothing in these Terms grants you any right to use our trademarks, logos, or other brand features without our prior written consent.

9. Apple App Store additional terms

Because Kuulo is available through the Apple App Store, the following additional terms apply:

These Terms are between you and CL3 Holdings Ltd; Apple is not a party to these Terms
Apple has no obligation to provide maintenance or support services for Kuulo
In the event that Kuulo fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price (if any) to you in accordance with Apple's standard refund policies. Apple has no other warranty obligation with respect to Kuulo
Apple is not responsible for addressing any claims by you or any third party relating to Kuulo or your use of it, including product liability claims, claims that Kuulo fails to conform to any legal or regulatory requirement, or claims arising under consumer protection legislation
If any third party claims that Kuulo infringes that party's intellectual property rights, CL3 Holdings Ltd (not Apple) is solely responsible for the investigation, defence, settlement, and discharge of any such claim
You must comply with applicable third-party terms of agreement when using Kuulo
Apple and its subsidiaries are third-party beneficiaries of these Terms, and Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary
Your use of Kuulo is also subject to the Apple Media Services Terms and Conditions

10. Privacy

Our Privacy Policy, available at kuulo.ai/blog/privacy-policy, is incorporated into and forms part of these Terms. By using Kuulo, you consent to our collection and use of your personal data as described in the Privacy Policy.

11. Third-party services and links

Kuulo may integrate with or link to third-party services (for example, export integrations). We do not control those services and are not responsible for their content, privacy practices, or terms. Your use of third-party services is governed by their own terms and policies.

12. Disclaimer of warranties

To the maximum extent permitted by applicable law, Kuulo and all related services are provided "as is" and "as available" without warranty of any kind, whether express, implied, statutory, or otherwise.

We do not warrant that:

Kuulo will be uninterrupted, timely, secure, or error-free
Transcription or AI summaries will be accurate, complete, or suitable for any particular purpose
Any errors or defects will be corrected
Kuulo will be compatible with all devices or operating system versions

Nothing in these Terms affects your statutory rights as a consumer under the Consumer Rights Act 2015 or other applicable UK consumer protection law.

13. Limitation of liability

To the maximum extent permitted by applicable law:

We are not liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profit, loss of data, loss of goodwill, or loss of business, even if we have been advised of the possibility of such damages
Our total aggregate liability to you for any claim arising under or in connection with these Terms or your use of Kuulo shall not exceed the greater of (a) the total amount you paid us for your Kuulo subscription in the 12 months preceding the claim, or (b) £100

Nothing in these Terms limits or excludes our liability for: death or personal injury caused by our negligence; fraud or fraudulent misrepresentation; any other liability that cannot be excluded or limited by law.

Nothing in these Terms affects your statutory rights as a consumer.

14. Indemnification

To the extent permitted by applicable law, you agree to indemnify, defend, and hold harmless CL3 Holdings Ltd and its officers, directors, employees, and agents from and against any claims, liabilities, damages, and expenses (including reasonable legal fees) arising from: (a) your use of Kuulo in breach of these Terms; (b) Your Content; or (c) your violation of any applicable law or third-party rights.

15. Termination

15.1 By you

You may terminate your account at any time by deleting the app and cancelling any active subscription through the App Store. Deletion of the app removes all locally stored data from your device.

15.2 By us

We may suspend or terminate your access to Kuulo at any time if:

You breach these Terms
We are required to do so by law
We discontinue the service

Where we terminate your account for reasons other than your breach of these Terms, we will provide reasonable notice and, where applicable, a pro-rata refund of any prepaid subscription fees.

15.3 Effect of termination

On termination, your licence to use Kuulo ends. Provisions of these Terms that by their nature should survive termination (including Sections 6, 8, 12, 13, 14, 16, and 17) will survive.

16. Governing law and disputes

These Terms are governed by the laws of England and Wales. Any dispute arising under or in connection with these Terms shall be subject to the exclusive jurisdiction of the courts of England and Wales, except that if you are a consumer resident in Scotland or Northern Ireland, you may bring proceedings in your local courts.

If you are a consumer in the EU or EEA, you may also use the European Commission's online dispute resolution platform at ec.europa.eu/consumers/odr. Our email address for this purpose is support@kuulo.ai.

Nothing in this clause prevents you from seeking emergency injunctive relief in any jurisdiction.

17. General

Entire agreement. These Terms (together with the Privacy Policy) constitute the entire agreement between you and us in relation to Kuulo, and supersede all prior representations, agreements, or understandings.

Severability. If any provision of these Terms is found to be invalid or unenforceable, the remaining provisions will continue in full force and effect.

Waiver. Our failure to enforce any provision of these Terms shall not be a waiver of our right to enforce it in the future.

Assignment. You may not assign or transfer your rights under these Terms without our prior written consent. We may assign our rights and obligations under these Terms to another entity in connection with a merger, acquisition, or sale of assets.

No third-party rights. Except as provided in Section 9 (Apple App Store Additional Terms), these Terms do not confer any rights on any third party under the Contracts (Rights of Third Parties) Act 1999.

Language. These Terms are written in English. If they are translated, the English version will prevail in the event of any conflict.

18. Changes to these Terms

We may update these Terms from time to time. If we make material changes, we will notify you by email or through a notice in the app at least 14 days before the changes take effect. Continued use of Kuulo after the effective date of any changes constitutes your acceptance of the revised Terms.

If you do not agree to the revised Terms, you must stop using Kuulo and cancel any active subscription before the changes take effect.

19. Contact

CL3 Holdings Ltd (trading as Kuulo)
167–169 Great Portland Street
London, England
W1W 5PF
Company number: 16504597

General and legal enquiries: support@kuulo.ai