Terms & Conditions
Last updated 2026-06-04. Version 2026-06-04.
This page is the Service’s public terms — not legal advice to you. If you need to understand how these terms apply to your business, please speak with your own lawyer.
These Terms govern your access to and use of Cloudo (the “Service”). Cloudo is an independently operated service based in Australia (“we”, “us”, “our”). By ticking the agreement box at signup, or by accessing or using the Service, you (“you”, “Customer”) agree to be bound by these Terms.
1. Acceptance and version
In plain English: By ticking the box at signup, you agree to this version of the Terms.
Legally: You accept these Terms when you tick the “I agree” checkbox at signup, or when you first access or use the Service, whichever happens first. The version you accept is the version of these Terms published on this page at the time of acceptance. We keep a record of which version each Customer accepted and when.
2. Definitions
In plain English: A short glossary so the rest of the document is unambiguous.
Legally: “Service” means the Cloudo hosted platform and any related interfaces, dashboards, APIs, and documentation. “Agent” means an AI assistant you configure to run on the Service. “Role Template” means a pre-built set of starting instructions and parameters for an Agent. “User Content” means anything you upload, type, attach, configure, or otherwise provide to the Service, including Agent instructions and messages exchanged with end users. “Credit” means the prepaid balance in your account used to pay for AI usage in managed mode. “BYOK” means Bring Your Own Key — using your own AI provider account instead of ours. “AI Provider” means any third-party large-language-model provider used to fulfil Agent requests. “Channel” means any third-party messaging or communication platform you connect your Agent to.
3. What the Service is — and what it isn’t
In plain English: We give you the platform. You configure the Agent. The Agent is a software tool, not your employee, broker, lawyer, doctor, or financial adviser.
Legally: The Service provides hosted infrastructure and tooling that lets you configure, deploy, and operate Agents that communicate with end users through Channels you nominate. We are a software-as-a-service provider. We are not your employer, employee, agent at law, partner, joint venturer, fiduciary, broker, financial services licensee, legal practitioner, medical professional, or registered migration agent. Agents are software tools that respond based on the instructions, data, and access you give them and on outputs returned by AI Providers; they do not act with the authority, judgment, or licensure of a human professional.
4. Eligibility
In plain English: You must be 18 or older and able to enter a binding contract.
Legally: You represent and warrant that: (a) you are at least 18 years old; (b) you have the legal capacity to enter these Terms; (c) the information you provide at signup and during the Service is accurate and current; (d) if you are signing up on behalf of a business, you are authorised to bind that business; and (e) your use of the Service will comply with all laws applicable to you.
5. Subscription, credits, and BYOK
In plain English: Your subscription covers the platform. AI usage is separate — pay-as-you-go from a prepaid credit balance, or bring your own AI key and pay your provider directly.
Legally: Your monthly subscription covers only the platform and infrastructure used to run your Agent (private compute, Channel connectors, dashboards, and support tier). It does not include any AI usage allowance. In managed mode, AI usage is billed pay-as-you-go from a prepaid credit balance, decremented at the AI Provider’s actual cost to us plus a fifteen percent (15%) margin. In BYOK mode, you supply your own AI Provider key and pay your AI Provider directly; we add no markup. Unless stated otherwise, prices are in US dollars; where Australian GST applies, it is shown on your invoice. Credits, once consumed, are not refundable. Unused credit may be refunded at our discretion on cancellation, and is forfeited twelve (12) months after the last top-up if there has been no Service activity.
6. Auto top-up and cancellation
In plain English: If you turn on auto top-up, we charge your saved card when your credit runs low. You can cancel anytime.
Legally: If you enable auto top-up, you authorise us to charge the payment method on file for the top-up amount you select whenever your credit balance falls below the threshold you nominate. You may disable auto top-up at any time from your dashboard. You may cancel your subscription at any time; cancellation is effective at the end of the current billing period unless we agree otherwise. We do not pro-rate refunds of subscription fees for partial months except where required by law.
7. Referral program and payouts
In plain English: Refer others with your link and earn $1 each month they stay subscribed. Cash out via PayPal once you reach $20. Earnings pause if either of you stops subscribing, and we can withhold or reverse rewards for abuse or self-referral.
Legally: We may offer a referral program under which you earn a referral reward — currently one US dollar (US$1.00) per calendar month — for each separate Customer who subscribes using your referral link or code and remains an active paying subscriber. Rewards accrue only while both you and the referred Customer hold active subscriptions; if either subscription lapses, accrual for that referral pauses and resumes only if both subscriptions become active again. Self-referrals (including signing up another account with the same email) and any referral obtained through spam, misrepresentation, paid or incentivised-traffic schemes, or other abuse are ineligible, and we may withhold or reverse the associated rewards. You may withdraw accrued, approved rewards once your balance reaches the minimum threshold (currently US$20.00). Payouts are made only to a valid PayPal account you nominate, which is the sole payout method; you are responsible for any PayPal fees, currency conversion, and all taxes payable on rewards you receive. We may change the reward rate, threshold, or eligibility rules, or suspend or discontinue the program, at any time on notice through the portal; changes do not affect rewards already approved for payout. Accrued but un-withdrawn rewards are forfeited if we terminate your account for breach of these Terms (including the Acceptable use clause) or if you close your account before reaching the payout threshold.
8. Your responsibilities as the Customer
In plain English: You configure the Agent and decide what it can see and do. You are responsible for reviewing what it says or does — especially for anything important.
Legally: You are solely responsible for: (a) the Agent’s configuration, including its instructions, Role Template, parameters, connected data sources, and the actions and accounts it has access to; (b) reviewing the Agent’s outputs and behaviour before relying on them, particularly for any decision with legal, financial, medical, safety, or material commercial consequences; (c) ensuring the Agent’s operation in your environment complies with all laws and regulations that apply to you, including consumer law, privacy law, financial services law, the Spam Act 2003 (Cth) and equivalent laws, and any licensing regimes governing the conduct or advice the Agent is configured to provide; and (d) the conduct of anyone you authorise to access your account.
9. Role Templates are starting points, not employees
In plain English: A template called “Stock Trader” or “Receptionist” is just a starting prompt. Picking it does not make the Agent a licensed trader or a real receptionist.
Legally: Role Templates are pre-written starting instructions and parameter defaults. Selecting a Role Template does not grant the resulting Agent any qualification, licence, registration, professional status, or authority. The Agent has only the data, tools, integrations, and permissions you give it. You must not represent that an Agent’s outputs constitute the act, advice, or service of a licensed or qualified person unless you are personally so licensed or qualified and the Agent operates under your supervision, with all disclosures required by law.
10. AI outputs may be wrong
In plain English: AI sometimes gets things wrong. Always check important answers before you act on them.
Legally: AI outputs are probabilistic. They may be inaccurate, incomplete, outdated, biased, or fabricated (“hallucinated”). They can change between requests for the same input. The Service does not warrant the accuracy, completeness, currency, reliability, or fitness for any particular purpose of any AI output. AI outputs do not constitute professional advice and are not a substitute for it. An Agent may improve over time, but is not guaranteed to be free of errors at any point during its operation.
11. High-risk and autonomous-action uses
In plain English: Don’t set the Agent loose on trading, automated buying, or anything else that moves real money or property unless you fully accept the risk.
Legally: You will not configure or operate an Agent to autonomously execute, on your or another party’s behalf: (a) financial trades; (b) purchase or sale of securities, derivatives, foreign exchange, or cryptocurrency; (c) automated buying or selling of goods or services of material value; or (d) any irrevocable transfer of funds or property, except where you have independently assessed the risk, retained your own controls and human oversight, and accept full responsibility for the outcomes. The Service does not validate trading strategies, market conditions, counterparty reliability, or product fitness, and we accept no liability for losses arising from such uses.
12. Third-party services
In plain English: The Service depends on AI providers, messaging channels, and payment processors. If they go down or change their rules, parts of the Service may be affected.
Legally: The Service relies on third-party services including AI Providers, messaging Channels (such as Telegram, WhatsApp, Discord, Slack, and similar platforms), and payment processors. Your use of those third-party services is subject to their own terms and policies. We are not responsible for, and accept no liability arising from, third-party outages, performance changes, terms changes, account actions, pricing changes, or discontinuation.
13. Service availability
In plain English: We try hard to keep the Service running, but we don’t promise zero downtime. Software has bugs.
Legally: The Service is provided on a reasonable-efforts basis. We do not guarantee that the Service will be uninterrupted, error-free, or available at any specific level of uptime, unless a separate written service-level agreement applies. The Service may be subject to scheduled maintenance, unplanned outages, and defects, including defects inherited from the underlying open-source platform on which the Service is built. To the maximum extent permitted by law and subject to clause 16, the Service is provided “as is” and “as available”.
14. User Content and data
In plain English: What you put into the Agent stays yours. We only process it to run the Service. Don’t upload other people’s data you’re not allowed to share.
Legally: You retain ownership of your User Content. You grant us a worldwide, royalty-free, non-exclusive, sublicensable licence to host, store, process, transmit, display, and otherwise use User Content solely to provide, secure, support, and improve the Service. You warrant that you have all rights necessary to upload your User Content to the Service and to authorise its processing by AI Providers and Channels you connect. You are responsible for ensuring you do not provide the Service with regulated or sensitive data you are not authorised to share, including (without limitation) other individuals’ personal information collected without consent, payment card data, government identifiers, or third-party health information.
15. Acceptable use
In plain English: No illegal, harmful, or abusive uses of the Service.
Legally: You will not use the Service to: (a) violate any law or regulation; (b) infringe any intellectual property or privacy right; (c) impersonate any person or misrepresent your affiliation; (d) send unlawful, harassing, defamatory, deceptive, or unsolicited bulk messaging; (e) distribute malware or attempt to disrupt, attack, probe, or reverse-engineer the Service or its infrastructure; (f) scrape, harvest, or extract data at scale from third parties without permission; (g) generate or disseminate sexual content involving minors, content inciting violence, or content prohibited by sanctions regimes; or (h) attempt to circumvent metering, billing, or quota controls. We may suspend or terminate access immediately if we reasonably believe a breach of this clause has occurred.
16. Australian Consumer Law
In plain English: Nothing in these terms takes away rights you have under Australian Consumer Law.
Legally: Nothing in these Terms excludes, restricts, or modifies any consumer guarantee, right, or remedy conferred by the Competition and Consumer Act 2010 (Cth), including Schedule 2 (the “Australian Consumer Law”), or any other law that cannot lawfully be excluded, restricted, or modified. For any consumer guarantee that may be limited under the Australian Consumer Law, our liability for a failure to comply with that guarantee is limited (at our option) to: (a) supplying the Service again; or (b) paying the cost of having the Service supplied again.
17. Limitation of liability
In plain English: Subject to your Australian Consumer Law rights, we are not liable for indirect losses, and our total liability is capped at what you paid us in the past 12 months.
Legally: Subject always to clause 16 and to the maximum extent permitted by law: (a) we are not liable for any indirect, special, consequential, incidental, exemplary, or punitive damages, or for any loss of profits, revenue, goodwill, business opportunity, anticipated savings, data, or reputation, whether in contract, tort (including negligence), statute, or otherwise; (b) we are not liable for any loss arising from third-party services, network or infrastructure outages, force majeure events, or the actions, omissions, instructions, or configurations of you or your Agents, including losses arising from automated or assisted trading, automated purchasing, content sent by or to your Agents, or reliance on Agent outputs; and (c) our aggregate liability to you in any twelve (12)-month period is limited to the greater of (i) the fees actually paid by you to us in the twelve (12) months preceding the event giving rise to the liability, or (ii) AU$100.
18. Indemnity
In plain English: If we get sued because of something you did with the Service, you cover us.
Legally: You will indemnify, defend, and hold us, our officers, employees, contractors, and agents harmless from and against any claims, demands, losses, damages, costs, and expenses (including reasonable legal fees) suffered or incurred arising out of or in connection with: (a) your User Content; (b) your configuration or operation of an Agent; (c) your breach of these Terms; or (d) your violation of any law or any third-party right. This indemnity does not apply to the extent the loss is caused by our wilful default.
19. Termination and suspension
In plain English: You can cancel monthly. We can suspend immediately for abuse, non-payment, or security risk.
Legally: Either party may terminate the subscription on notice effective at the end of the then-current billing period. We may suspend or terminate access immediately, with or without notice, for: (a) breach of these Terms, including clause 15; (b) non-payment of fees; (c) security incidents, abuse, or activity that places the Service or other Customers at risk; or (d) where required by law. On termination, your Agent virtual machine will be destroyed within thirty (30) days, and backups of User Content will be deleted within ninety (90) days, except where we are legally required to retain data longer.
20. Changes to these terms
In plain English: If we change the terms, we’ll let you know. You can cancel if you don’t agree.
Legally: We may update these Terms from time to time. For material changes, we will provide at least fourteen (14) days’ notice by email and through the portal before the change takes effect, except for legally required or security-critical changes which may be effective immediately. Your continued use of the Service after the effective date constitutes acceptance of the updated Terms. If you do not agree to a change, you may cancel before the effective date and we will refund the pro-rata portion of any prepaid subscription fees for the unused period.
21. Notices
In plain English: We email you at the address on your account. You contact us at the addresses listed at the bottom of this page.
Legally: We will give you notices required under these Terms by sending an email to the email address on your account and/or by posting the notice in the portal. You must give us notices required under these Terms by emailing [email protected].
22. Governing law and venue
In plain English: Australian law applies. Australian courts have non-exclusive jurisdiction.
Legally: These Terms are governed by the laws in force in Victoria, Australia. The parties submit to the non-exclusive jurisdiction of the courts of Victoria and the Commonwealth of Australia.
23. Dispute resolution
In plain English: Talk to us first. If we can’t sort it out, we go to mediation before court.
Legally: Before commencing legal proceedings (other than urgent interlocutory relief), the parties will attempt in good faith to resolve any dispute by informal negotiation for thirty (30) days following written notice of the dispute. If the dispute remains unresolved, either party may refer the dispute to mediation administered by the Resolution Institute (or another mediator agreed in writing) before commencing court proceedings.
24. General
In plain English: Standard contract housekeeping.
Legally: If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in full force. Failure to enforce a right is not a waiver. You may not assign these Terms without our prior written consent; we may assign them to a successor in connection with a sale, merger, or reorganisation. Neither party is liable for delays or failures caused by events beyond its reasonable control. These Terms (with the Privacy Policy and any order forms) constitute the entire agreement between the parties about the Service and supersede prior understandings.
25. Contact and operator details
In plain English: Who we are and how to reach us.
Legally: Service operator: Cloudo, an independently operated service based in Australia. Support: [email protected]. Privacy enquiries: [email protected]. Payment processing is handled by Stripe and PayPal; some PayPal payout transaction lines may display “Vico Systems Limited” as the sender, which is the Hong Kong entity used to operate the PayPal Business account and is the same operator as Cloudo.