OIO

Terms of Service

Last updated: 2026-04-19

These Terms of Service (“Terms”) govern your access to and use of OIO (the “Service”), operated by Albert Megbenyo, a sole operator based in Ghana(“we”, “us”, “our”). By creating an account or otherwise using the Service, you agree to be bound by these Terms. If you do not agree, do not use the Service.

1. The Service

OIO is a project and invoicing management platform. Features include project tracking, client management, invoicing, file storage, notes, whiteboards, calendar, and an AI assistant. Features may be added, changed, or removed at any time without notice.

2. Eligibility & Accounts

  • You must be at least 16 years old to use the Service.
  • You must provide accurate registration information and keep it up to date.
  • You are responsible for all activity on your account and for keeping your credentials secure.
  • You must notify us immediately of any unauthorized use of your account.
  • One person or legal entity may not maintain more than one free account.

3. Acceptable Use

You agree not to, and not to permit others to:

  • Use the Service for any unlawful, fraudulent, or harmful purpose.
  • Upload content that is illegal, infringing, defamatory, obscene, or that violates any third-party rights.
  • Upload malware, viruses, or any code designed to disrupt or gain unauthorized access.
  • Scrape, reverse-engineer, decompile, or attempt to extract the source code of the Service.
  • Circumvent, disable, or interfere with security or rate-limiting features.
  • Use the Service to store or process data that you are not legally permitted to handle (including, without appropriate lawful basis, personal data of third parties).
  • Resell, sublicense, or provide the Service as a service to others without our written permission.
  • Send spam or unsolicited messages using the Service.

See our Acceptable Use Policy for further detail. Violations may result in immediate suspension or termination without refund.

4. Your Content

You retain all ownership rights in the data, files, and other content you submit to the Service (“Your Content”). You grant us a worldwide, non-exclusive, royalty-free license to host, store, transmit, back up, process, and display Your Content solely as necessary to provide the Service to you. This license terminates when you delete Your Content or close your account, subject to reasonable backup retention periods.

You are solely responsible for Your Content, including its legality, accuracy, and your right to upload it. You represent that Your Content does not infringe any third-party rights.

5. AI Features & Third-Party Processing

The Service includes AI-powered features. When you interact with the AI assistant, the text and context you provide (including project data, notes, and other Service data relevant to your request) is transmitted to our AI provider, Anthropic, PBC (United States), for processing. Anthropic acts as our sub-processor and does not use your data to train its models under our commercial agreement.

Do not submit data to the AI that you are not authorized to share with a US-based cloud processor. You are responsible for obtaining any necessary consents from individuals whose data you input into AI features.

AI output may be inaccurate, incomplete, or offensive. The Service is not a substitute for professional legal, financial, medical, or other advice. Verify AI output before relying on it.

6. Subscriptions & Payment

  • Paid plans are billed in advance on a recurring basis (monthly or annually) until cancelled.
  • You authorize us to charge your payment method for recurring fees.
  • Fees are non-refundable except where required by law or explicitly stated.
  • We may change pricing with at least 30 days' notice; changes apply to the next billing cycle.
  • If payment fails, we may suspend or downgrade your account.
  • Taxes are your responsibility unless we are legally required to collect them.

7. Availability & Modifications

We aim for high availability but do not guarantee uninterrupted access. The Service is provided on an “AS IS” and “AS AVAILABLE” basis. We may modify, suspend, or discontinue any part of the Service at any time, with or without notice.

8. No Warranty

TO THE FULLEST EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, UNINTERRUPTED ACCESS, AND ERROR-FREE OPERATION. WE DO NOT WARRANT THAT THE SERVICE WILL MEET YOUR REQUIREMENTS OR THAT YOUR CONTENT WILL BE SECURE OR NEVER LOST.

9. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY LAW:

  • WE ARE NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST DATA, LOST REVENUE, OR BUSINESS INTERRUPTION, EVEN IF ADVISED OF THE POSSIBILITY.
  • OUR TOTAL AGGREGATE LIABILITY FOR ANY CLAIM ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE IS LIMITED TO THE GREATER OF (A) THE AMOUNT YOU PAID US IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) EUR 100.

Nothing in these Terms limits liability that cannot be limited by law (including liability for gross negligence, wilful misconduct, or death or personal injury caused by negligence, where such liability is non-excludable in your jurisdiction).

10. Indemnification

You agree to indemnify, defend, and hold harmless OIO and its operator, their agents, and agents from any claims, damages, liabilities, and expenses (including reasonable attorneys' fees) arising from: (a) Your Content, (b) your use of the Service, (c) your violation of these Terms, or (d) your violation of any third-party rights.

11. Termination

You may close your account at any time. We may suspend or terminate your access at any time, with or without cause, with or without notice, including if we believe you have violated these Terms. On termination, your right to use the Service ends immediately. We may retain backup copies of Your Content for a limited period as described in our Privacy Policy.

12. Changes to These Terms

We may update these Terms from time to time. We will post the updated Terms and change the “Last updated” date. Material changes will be communicated via email or in-product notice at least 14 days before they take effect. Continued use of the Service after changes take effect constitutes acceptance.

13. Governing Law & Dispute Resolution

These Terms are governed by the laws of the Republic of Ghana, without regard to conflict of law principles. Any dispute arising out of or relating to these Terms or the Service shall be resolved exclusively in the competent courts ofAccra, Ghana, and you consent to the personal jurisdiction of those courts.

Class Action Waiver. To the fullest extent permitted by law, you and we agree that any dispute will be brought only in an individual capacity, and not as a plaintiff or class member in any purported class or representative proceeding.

If you are a consumer resident in the European Union or the United Kingdom, mandatory consumer protection laws of your country of residence apply to the extent they provide greater protection than these Terms.

14. Miscellaneous

  • Entire Agreement. These Terms, together with our Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and us.
  • Severability. If any provision is held unenforceable, the remaining provisions remain in full force.
  • No Waiver. Our failure to enforce any right is not a waiver.
  • Assignment. You may not assign these Terms without our written consent; we may assign them freely.
  • Force Majeure. We are not liable for failure to perform due to events beyond our reasonable control (natural disasters, war, terrorism, strikes, government action, internet or utility outages, third-party service failures).
  • Notices. We may provide notices via email to the address on file or via the Service.

15. Contact

Questions about these Terms: legal@oio.app (orsupport@oio.app for general support).