Korumia — Terms of Service

Effective Date: March 11, 2026 Last Updated: March 11, 2026

1. ACCEPTANCE OF TERMS

By accessing, browsing, or using the Korumia platform ("Platform," "Service," "we," "us," or "our"), whether through a web browser, mobile device, API, or any other means, you ("User," "you," or "your") acknowledge that you have read, understood, and agree to be bound by these Terms of Service ("Terms," "Agreement"), our Privacy Policy, and any additional guidelines, policies, or rules posted on the Platform. If you do not agree to all of these Terms, you must immediately discontinue use of the Platform.

These Terms constitute a legally binding agreement between you and Korumia. Your continued use of the Platform after any modifications to these Terms constitutes acceptance of those modifications.

2. DEFINITIONS

"Platform" refers to the Korumia web application, including all pages, features, content, APIs, and services offered through it.
"AI Experts" refers to the virtual advisor personas created within the Platform that generate responses using Third-Party AI Services.
"Company" refers to a virtual workspace created by a User within the Platform.
"Content" refers to any text, data, files, images, audio, or other materials uploaded, submitted, or generated through the Platform.
"User Content" refers to any data, text, files, images, audio recordings, company descriptions, expert configurations, chat messages, or other materials that a User provides, uploads, or inputs into the Platform.
"Generated Content" refers to any text, responses, expert profiles, system prompts, chat titles, memory extractions, or other output produced by Third-Party AI Services through the Platform.
"Third-Party AI Services" or "Third-Party AI Providers" refers to external artificial intelligence services used by the Platform to generate content, including but not limited to Google (Gemini), Anthropic (Claude), OpenAI, Meta (LLaMA), Mistral AI, and any other AI model providers accessed through API intermediaries such as OpenRouter, as well as any AI providers we may integrate in the future.
"Credits" refers to the token-based currency used for billing on the Platform.

3. DESCRIPTION OF SERVICE

Korumia is a software-as-a-service platform that enables Users to create virtual AI-powered advisory companies staffed with configurable AI expert personas. The Platform facilitates conversations between Users and AI Experts, as well as AI-to-AI interactions between Experts.

The Platform is an intermediary interface. Korumia does not independently develop, train, host, or operate the underlying artificial intelligence models that generate responses. All AI-generated content is produced by Third-Party AI Services. Korumia provides the user interface, orchestration logic, data management, and billing infrastructure that connects Users to these Third-Party AI Services.

4. THIRD-PARTY AI SERVICES — CRITICAL DISCLAIMERS

4.1 Use of Third-Party AI Providers

The Platform utilizes multiple Third-Party AI Services to generate content, including but not limited to:

Anthropic (Claude models) — for chat responses, expert generation, memory extraction, and other AI-powered features
Google (Gemini models) — for content generation and AI-powered features
OpenAI (Whisper) — for voice transcription services
Other providers accessible through API aggregators such as OpenRouter

The specific AI models and providers used may change at any time without prior notice, as we continuously evaluate and integrate the most suitable models for our service.

4.2 Data Transmission to Third-Party AI Providers

BY USING THE PLATFORM, YOU EXPRESSLY ACKNOWLEDGE AND CONSENT THAT:

(a) Your User Content — including but not limited to chat messages, company descriptions, expert configurations, uploaded file contents (text extracted from PDFs, spreadsheets, and documents), voice recordings (transmitted for transcription), and any other data you input — will be transmitted to Third-Party AI Providers for processing.

(b) Once your data is transmitted to a Third-Party AI Provider, that data is subject to the terms of service, privacy policies, data retention policies, and data processing practices of that Third-Party AI Provider, over which Korumia has no control, oversight, or authority.

(c) You have independently reviewed, or have had the opportunity to review, the terms of service and privacy policies of the Third-Party AI Providers, including but not limited to:

Anthropic's Terms of Service and Privacy Policy (https://www.anthropic.com/policies)
Google's Terms of Service and Privacy Policy (https://policies.google.com/)
OpenAI's Terms of Service and Privacy Policy (https://openai.com/policies)
OpenRouter's Terms of Service and Privacy Policy (https://openrouter.ai/terms)

(d) Third-Party AI Providers may process, store, log, cache, or retain your data in accordance with their own policies, and Korumia has no ability to control, modify, delete, or retrieve data once it has been transmitted to these providers.

(e) Third-Party AI Providers may use data transmitted through API calls for their own purposes, including but not limited to model improvement, safety research, abuse monitoring, and compliance, as governed by their respective policies and the API agreements in effect at the time of processing.

4.3 Limitation of Liability for Third-Party AI Services

KORUMIA SHALL NOT BE LIABLE, UNDER ANY LEGAL THEORY (INCLUDING BUT NOT LIMITED TO CONTRACT, TORT, NEGLIGENCE, STRICT LIABILITY, OR STATUTORY LIABILITY), FOR ANY CLAIM, DAMAGE, LOSS, COST, EXPENSE, OR LIABILITY ARISING FROM OR RELATED TO:

(a) The processing, storage, retention, disclosure, breach, loss, misuse, unauthorized access, or any other handling of User Content by any Third-Party AI Provider;

(b) Any data breach, security incident, unauthorized access, or data leak occurring at or originating from any Third-Party AI Provider's systems, infrastructure, or subprocessors;

(c) Any Third-Party AI Provider's failure to comply with applicable data protection laws, regulations, or standards, including but not limited to the General Data Protection Regulation (GDPR), the California Consumer Privacy Act (CCPA), the California Privacy Rights Act (CPRA), the Health Insurance Portability and Accountability Act (HIPAA), the Personal Information Protection and Electronic Documents Act (PIPEDA), or any other applicable privacy or data protection legislation;

(d) The accuracy, completeness, reliability, suitability, legality, safety, or quality of any Generated Content produced by Third-Party AI Services;

(e) Any decision, action, or inaction taken by a User or any third party based on Generated Content;

(f) Any intellectual property infringement, defamation, privacy violation, or other legal violation allegedly caused by Generated Content;

(g) Any changes to Third-Party AI Providers' terms of service, privacy policies, pricing, availability, capabilities, data handling practices, or any other operational aspect;

(h) Any service interruption, degradation, discontinuation, or modification of Third-Party AI Services;

(i) Any training, fine-tuning, or model improvement activities conducted by Third-Party AI Providers using data transmitted through the Platform.

4.4 Indemnification for Third-Party AI Claims

You agree to indemnify, defend, and hold harmless Korumia, its owners, officers, directors, employees, agents, contractors, affiliates, successors, and assigns from and against any and all claims, demands, actions, suits, proceedings, losses, damages, liabilities, costs, and expenses (including reasonable attorneys' fees and court costs) arising out of or related to:

(a) Any claim that relates to the processing, handling, storage, or disclosure of your data by any Third-Party AI Provider;

(b) Any regulatory action, investigation, or penalty resulting from the transmission of your data to Third-Party AI Providers through the Platform;

4.5 User's Sole Responsibility Regarding Third-Party Providers

Any dispute, claim, legal action, complaint, or grievance related to the handling of your data by a Third-Party AI Provider must be directed solely and exclusively to that Third-Party AI Provider. Korumia is not a party to and shall not be joined as a party in any such dispute. You expressly waive any right to assert any claim against Korumia for acts or omissions of Third-Party AI Providers.

4.6 No Warranty Regarding Third-Party AI Providers

Korumia makes no representation or warranty of any kind, express or implied, regarding any Third-Party AI Provider, including but not limited to their:

Security measures or data protection practices
Compliance with any law, regulation, or standard
Data retention or deletion practices
Service availability or reliability
Accuracy or quality of AI-generated outputs
Continued existence or operation

5. USER CONTENT AND DATA

5.1 Ownership of User Content

You retain ownership of your User Content. By using the Platform, you grant Korumia a non-exclusive, worldwide, royalty-free, sublicensable license to use, process, transmit, and store your User Content solely for the purpose of providing, maintaining, and improving the Service, including transmitting such content to Third-Party AI Providers as necessary to deliver the Service's functionality.

5.2 Responsibility for User Content

You are solely responsible for all User Content you submit to the Platform. You represent and warrant that:

(a) You have all necessary rights, licenses, consents, and permissions to submit such content;

(b) Your User Content does not violate any applicable law, regulation, or third-party right, including intellectual property rights, privacy rights, or contractual obligations;

(c) Your User Content does not contain any material that is unlawful, harmful, threatening, abusive, harassing, defamatory, vulgar, obscene, or otherwise objectionable;

(d) You have obtained any necessary consents from individuals whose personal data you submit to the Platform.

5.3 Sensitive and Regulated Data

YOU ACKNOWLEDGE AND AGREE THAT THE PLATFORM IS NOT DESIGNED FOR, AND SHOULD NOT BE USED TO PROCESS:

(a) Protected health information (PHI) as defined by HIPAA;

(b) Financial account numbers, Social Security numbers, or government-issued identification numbers;

(d) Data subject to specific regulatory compliance requirements that mandate particular data handling procedures;

(e) Trade secrets or highly confidential proprietary information where disclosure could cause irreparable harm;

(f) Personal data of minors under the age of 16;

(g) Any data classified as "special categories" under GDPR Article 9 (racial/ethnic origin, political opinions, religious beliefs, genetic data, biometric data, health data, sex life/orientation data).

If you choose to submit such data despite this warning, you do so entirely at your own risk and Korumia disclaims all liability arising from the processing of such data, including its transmission to Third-Party AI Providers.

5.4 Data Deletion

Upon account deletion or upon written request, Korumia will delete or anonymize your User Content from its own systems within a commercially reasonable timeframe. However, Korumia cannot and does not guarantee the deletion of any data that has been transmitted to Third-Party AI Providers, as such data is subject to those providers' respective data retention and deletion policies. You must contact each Third-Party AI Provider directly regarding any data deletion requests pertaining to data held in their systems.

6. GENERATED CONTENT

6.1 No Professional Advice

Generated Content produced through the Platform — including but not limited to outputs from AI Experts in finance, marketing, legal, strategy, or any other domain — does not constitute professional advice of any kind. Generated Content is produced by artificial intelligence models and may be inaccurate, incomplete, misleading, biased, outdated, or entirely fabricated.

6.2 No Reliance

You acknowledge that you must not rely solely on Generated Content for any decision, whether personal, business, financial, legal, medical, or otherwise. You should independently verify all information and seek qualified professional counsel before taking any action based on Generated Content.

6.3 No Guarantee of Accuracy

Korumia does not verify, validate, endorse, or guarantee the accuracy, completeness, truthfulness, reliability, or fitness for any particular purpose of any Generated Content. AI models are known to produce outputs that may include factual errors, logical inconsistencies, hallucinated information, biased perspectives, or content that may be offensive or inappropriate.

6.4 Intellectual Property of Generated Content

The intellectual property status of AI-generated content is evolving and varies by jurisdiction. Korumia makes no representation regarding your ownership rights over Generated Content. You assume all risk regarding the use, publication, or commercialization of Generated Content, including any potential intellectual property infringement claims by third parties.

7. ACCOUNTS AND SECURITY

7.1 Account Registration

To use the Platform, you must create an account providing accurate, current, and complete information. You must be at least 18 years of age (or the age of legal majority in your jurisdiction, whichever is greater) to create an account.

7.2 Account Security

You are responsible for maintaining the confidentiality of your login credentials and for all activity that occurs under your account. You must immediately notify Korumia of any unauthorized use of your account or any other security breach.

7.3 Account Termination

Korumia reserves the right to suspend or terminate your account at any time, for any reason or no reason, with or without notice. Upon termination, your right to use the Platform ceases immediately. Sections of these Terms that by their nature should survive termination shall survive, including but not limited to Sections 4, 5, 6, 8, 9, 10, 11, 12, 13, 14, and 15.

8. BILLING AND PAYMENTS

8.1 Credit-Based System

The Platform uses a token-based credit system. Users purchase credits that are consumed based on usage, including chat interactions, expert generation, voice transcription, image processing, and other AI-powered features.

8.2 Pricing

Token pricing and credit packages are displayed on the Platform and may change at any time. Current approximate pricing:

Input tokens: $8 per million tokens
Output tokens: $30 per million tokens

8.3 No Refunds

All credit purchases are final and non-refundable, except as required by applicable law. Credits have no cash value and cannot be transferred, exchanged, or redeemed for cash.

8.4 Payment Processing

Payments are processed through Stripe, a third-party payment processor. Your payment information is transmitted directly to Stripe and is subject to Stripe's terms of service and privacy policy. Korumia does not store your payment card details.

8.5 Usage-Based Deductions

Credits are deducted automatically based on actual token consumption during Platform usage. You acknowledge that credit consumption varies based on the length and complexity of interactions and that estimates provided on the Platform are approximate.

9. PROHIBITED USES

You agree not to use the Platform to:

(a) Violate any applicable local, national, or international law or regulation;

(b) Generate content that promotes violence, hatred, discrimination, harassment, or any illegal activity;

(d) Use automated systems (bots, scrapers, crawlers) to access the Platform without prior written authorization;

(e) Impersonate any person or entity, or misrepresent your affiliation with any person or entity;

(f) Interfere with or disrupt the Platform's infrastructure, security features, or other users' access;

(g) Circumvent or attempt to circumvent any billing, usage limits, rate limiting, or access control mechanisms;

(h) Use the Platform to develop competing AI services or to systematically collect Generated Content for training AI models;

(i) Submit malicious content, including malware, viruses, or content designed to exploit AI model vulnerabilities (prompt injection);

(j) Use the Platform to generate spam, phishing content, or misleading information for deceptive purposes;

(k) Process personal data of third parties without their explicit consent and a lawful basis for processing.

10. DISCLAIMER OF WARRANTIES

THE PLATFORM IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE. KORUMIA EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

(a) IMPLIED WARRANTIES OF MERCHANTABILITY — We do not warrant that the Platform is fit for commercial use or meets any particular standard of quality;

(b) IMPLIED WARRANTIES OF FITNESS FOR A PARTICULAR PURPOSE — We do not warrant that the Platform is suitable for your specific needs, industry, or use case;

(c) WARRANTIES OF NON-INFRINGEMENT — We do not warrant that the Platform or Generated Content does not infringe any third-party intellectual property rights;

(d) WARRANTIES OF ACCURACY OR RELIABILITY — We do not warrant that any information, content, or Generated Content on the Platform is accurate, reliable, complete, or current;

(e) WARRANTIES OF AVAILABILITY — We do not warrant that the Platform will be uninterrupted, error-free, secure, or available at any particular time or location;

(f) WARRANTIES REGARDING THIRD-PARTY SERVICES — We do not warrant the performance, security, legality, or reliability of any Third-Party AI Service or other third-party service integrated with the Platform.

11. LIMITATION OF LIABILITY

11.1 Exclusion of Damages

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL KORUMIA, ITS OWNERS, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, CONTRACTORS, AFFILIATES, SUCCESSORS, OR ASSIGNS BE LIABLE FOR ANY:

(a) Indirect, incidental, special, consequential, punitive, or exemplary damages;

(b) Loss of profits, revenue, data, business opportunities, goodwill, or anticipated savings;

(d) Damages arising from or related to the acts or omissions of Third-Party AI Providers;

(e) Damages arising from unauthorized access to or alteration of your data or transmissions;

regardless of the cause of action or the theory of liability (whether in contract, tort, negligence, strict liability, warranty, or otherwise), even if Korumia has been advised of the possibility of such damages.

11.2 Aggregate Liability Cap

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, KORUMIA'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATING TO THESE TERMS OR THE USE OF THE PLATFORM SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL AMOUNT PAID BY YOU TO KORUMIA IN THE TWELVE (12) MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM, OR (B) FIFTY US DOLLARS ($50.00).

11.3 Jurisdictional Variations

Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities. In such jurisdictions, the disclaimers, exclusions, and limitations set forth in these Terms shall apply to the fullest extent permitted by applicable law.

12. INDEMNIFICATION

(a) Your use of the Platform;

(b) Your User Content;

(d) Your violation of any applicable law, regulation, or third-party right;

(e) Any claim related to the processing of your data by Third-Party AI Providers;

(f) Any claim by a third party whose data you submitted to the Platform without proper authorization;

(g) Any use or reliance on Generated Content.

13. DISPUTE RESOLUTION

13.1 Governing Law

These Terms shall be governed by and construed in accordance with the laws of the jurisdiction in which Korumia is incorporated, without regard to its conflict of law provisions.

13.2 Mandatory Arbitration

Any dispute, controversy, or claim arising out of or relating to these Terms, or the breach, termination, or invalidity thereof, shall be resolved through binding arbitration in accordance with the rules of a recognized arbitration institution in the jurisdiction of Korumia's incorporation. The arbitration shall be conducted in English, and the arbitrator's decision shall be final and binding.

13.3 Class Action Waiver

YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDINGS WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT IN A CLASS, CONSOLIDATED, OR REPRESENTATIVE ACTION. You waive any right to participate in a class action lawsuit or class-wide arbitration against Korumia.

13.4 Injunctive Relief

Notwithstanding the foregoing, Korumia may seek injunctive or other equitable relief in any court of competent jurisdiction to prevent the actual or threatened infringement, misappropriation, or violation of its intellectual property rights, data rights, or confidentiality obligations.

14. INTELLECTUAL PROPERTY

14.1 Platform Ownership

The Platform, including its design, code, architecture, user interface, logos, trademarks, and all proprietary technology, is the exclusive property of Korumia and is protected by applicable intellectual property laws. Nothing in these Terms grants you any right, title, or interest in the Platform beyond the limited right to use it in accordance with these Terms.

14.2 Feedback

Any feedback, suggestions, or ideas you provide regarding the Platform may be used by Korumia without any obligation to you, including without compensation, attribution, or confidentiality.

15. GENERAL PROVISIONS

15.1 Entire Agreement

These Terms, together with the Privacy Policy and any other policies referenced herein, constitute the entire agreement between you and Korumia regarding the use of the Platform, superseding all prior agreements, communications, and understandings.

15.2 Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be enforced to the maximum extent permissible, and the remaining provisions shall remain in full force and effect.

15.3 Waiver

The failure of Korumia to enforce any right or provision of these Terms shall not constitute a waiver of such right or provision. Any waiver of any provision shall only be effective if in writing and signed by Korumia.

15.4 Assignment

You may not assign or transfer these Terms or your rights hereunder without the prior written consent of Korumia. Korumia may assign these Terms without restriction.

15.5 Force Majeure

Korumia shall not be liable for any failure or delay in performance resulting from causes beyond its reasonable control, including but not limited to acts of God, natural disasters, war, terrorism, pandemics, labor disputes, government actions, power failures, internet disturbances, or the acts or omissions of Third-Party AI Providers.

15.6 Notices

Korumia may provide notices to you via email, through the Platform, or by posting on its website. You are responsible for ensuring your contact information is current.

15.7 Modifications to Terms

Korumia reserves the right to modify these Terms at any time. Material changes will be communicated through the Platform or via email. Your continued use of the Platform after such modifications constitutes acceptance of the updated Terms. If you do not agree to the modified Terms, you must discontinue use of the Platform immediately.

15.8 Modifications to the Service

Korumia reserves the right to modify, suspend, or discontinue the Platform (or any part thereof) at any time, with or without notice. Korumia shall not be liable to you or any third party for any modification, suspension, or discontinuation of the Platform.

15.9 Relationship of the Parties

Nothing in these Terms shall be construed to create a partnership, joint venture, employment, or agency relationship between you and Korumia. You are an independent user of the Platform.

15.10 Third-Party Beneficiaries

These Terms do not confer any rights on any third party as a third-party beneficiary, except that the indemnification and limitation of liability provisions herein are intended to benefit Korumia's officers, directors, employees, agents, contractors, and affiliates.

16. CONTACT INFORMATION

For questions, concerns, or notices regarding these Terms, please contact:

Korumia Email: [[email protected]]

BY USING THE KORUMIA PLATFORM, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE IN THEIR ENTIRETY, INCLUDING ALL DISCLAIMERS, LIMITATIONS OF LIABILITY, AND WAIVERS SET FORTH HEREIN. YOU FURTHER ACKNOWLEDGE THAT YOUR DATA WILL BE TRANSMITTED TO THIRD-PARTY AI PROVIDERS AND THAT ANY CLAIMS RELATED TO SUCH THIRD-PARTY PROCESSING MUST BE DIRECTED TO THE RESPECTIVE THIRD-PARTY PROVIDER AND NOT TO KORUMIA.