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Handlo AI, Inc. · Last Updated: June 9, 2026 · Effective Date: June 9, 2026

1. Acceptance of Terms

These Terms of Use ("Terms") constitute a legally binding agreement between you and Handlo AI, Inc., a Delaware corporation ("Handlo," "we," "us," or "our"), governing your access to and use of the website at handlo.ai and any associated software, features, content, and services (collectively, the "Service").

By accessing or using the Service, you confirm that you are at least 18 years old, have the authority to enter into these Terms (on behalf of yourself or the business you represent), and agree to be bound by them. If you do not agree, do not access or use the Service.

1.1 Electronic Records and Signatures

You consent to transact with us electronically and to receive these Terms, our Privacy Policy, our Data Processing Addendum, and all related notices in electronic form. You agree that clicking "I agree" (or a similar control), or accessing or using the Service, constitutes your electronic signature and manifests your assent to these Terms under the U.S. ESIGN Act (15 U.S.C. § 7001 et seq.) and applicable state UETA. You may withdraw your consent to electronic delivery by emailing legal@handlo.ai, but doing so may prevent you from using the Service.

2. Changes to Terms

We reserve the right to modify these Terms at any time. We will provide notice of material changes by email or through the Service at least 14 days before they take effect. Your continued use of the Service after the effective date of changes constitutes your acceptance of the revised Terms.

3. Account Registration

3.1 Eligibility

You must be at least 18 years old and capable of forming a binding contract to register for an account.

3.2 Account Security

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account. Notify us immediately at support@handlo.ai if you suspect unauthorized access to your account.

3.3 Accurate Information

You agree to provide accurate, current, and complete information during registration and to keep it updated.

4. Subscriptions and Billing

4.1 Subscription Plans

The Service is offered on a subscription basis (Solo, Growth, and Business tiers). Plan details, pricing, included minutes, and feature availability are described on our pricing page and may be updated from time to time with reasonable notice.

4.2 Trial Period

New accounts may receive a free trial period with a limited number of included call minutes. At the end of the trial, you will be prompted to subscribe; if you do not, your account may be downgraded to a limited state or suspended.

4.3 Overage Charges

Calls exceeding your plan's included minute allocation are billed at the per-minute overage rate for your plan. You may configure a spending cap in your dashboard to limit overage charges.

4.4 Billing, Payment, and Automatic Renewal

Subscriptions are billed monthly or annually in advance via Stripe. Your subscription automatically renews for successive periods of the same length at the then-current price until you cancel, and your payment method on file will be charged at the start of each renewal term. We will send renewal and price-change reminders where required by law. You can cancel at any time as described in "Suspension and Termination" below. We reserve the right to suspend or terminate your account for non-payment after reasonable notice.

4.5 Price Changes

We will provide at least 30 days' notice before increasing subscription prices. Changes will take effect at your next renewal.

4.6 Refunds and Cancellation

Except as required by applicable law or as expressly stated herein, all fees are non-refundable and we do not provide refunds or credits for partial periods, unused minutes, or downgrades. Cancellation stops future renewals but does not refund the current period. If you are a consumer in the EU, UK, or another jurisdiction with mandatory statutory withdrawal or refund rights, those rights are not affected by this Section. To request a refund where one may be due, contact support@handlo.ai.

5. Acceptable Use

You agree to use the Service only for lawful purposes and in accordance with these Terms. You must not:

• Spam or Harass: Use the Service to make unsolicited calls, engage in telemarketing without proper consent and opt-out mechanisms, or harass individuals.
• Illegal Recording: Record calls without obtaining all legally required consents under applicable law in all relevant jurisdictions.
• Fraudulent Activity: Use the Service for fraud, impersonation, phishing, or any deceptive practice.
• AI Misuse: Use the Service's synthetic voice to impersonate a real person or organization without authorization, to create deepfakes, or to deceive callers about the artificial nature of the agent. Where law requires disclosure that a caller is interacting with AI (for example, California's "B.O.T." law), you are responsible for ensuring that disclosure is made.
• Outbound and Artificial-Voice Calls: You are solely responsible for compliance with the Telephone Consumer Protection Act (TCPA), STIR/SHAKEN, and equivalent laws for any outbound, prerecorded, or AI-generated-voice calls, including obtaining any required prior express consent (the FCC treats AI-generated voices as "artificial" under the TCPA).
• Interference: Attempt to interfere with, disable, or circumvent any security feature of the Service, or gain unauthorized access to any system or network.
• Reverse Engineering: Decompile, disassemble, reverse engineer, or otherwise attempt to derive the source code of the Service.
• Resale Without Authorization: Resell, sublicense, or white-label the Service without a written agreement with Handlo (white-label features are available on eligible plans under separate terms).
• Harmful Content: Transmit malware, viruses, or any other harmful code.
• Violations of Law: Violate any applicable local, state, national, or international law or regulation, including but not limited to the TCPA, CAN-SPAM Act, GDPR, and equivalent laws.
• Emergency Services: Use the Service as a replacement for, or in a manner that could interfere with, emergency services (including 911, 999, 112, or any local emergency number). The AI agent is not capable of detecting or responding to emergencies. You must not configure your AI agent to handle calls that may involve risk to life, medical emergencies, or situations requiring immediate emergency response. Handlo expressly disclaims all liability for any harm arising from emergency-related calls handled by the AI agent.

Handlo reserves the right to investigate potential violations and, at our sole discretion, suspend or terminate accounts found in violation of this Section.

6. Call Recording Compliance

You are solely responsible for ensuring that your use of the Service's call recording features complies with all applicable laws. This includes, without limitation:

• Obtaining required consents before recording calls.
• Providing legally required disclosures to callers (e.g., "this call may be recorded").
• Honoring opt-out requests.

Handlo provides consent disclosure tools and configurable announcement settings to assist with compliance, but we do not guarantee compliance on your behalf.

7. Your Content

7.1 Ownership

You retain all rights to the content you upload or create through the Service, including your knowledge base content, business configurations, and call data ("Your Content").

7.2 License to Handlo

You grant Handlo a limited, non-exclusive, worldwide license to host, store, process, transmit, and display Your Content solely to provide, maintain, secure, and support the Service, and as described in our Privacy Policy and Data Processing Addendum. We do not use Your Content — including call recordings, voice, or transcripts — to train general-purpose AI models without your prior explicit consent. Any analytics we use to improve the Service rely on aggregated or de-identified data.

7.3 Responsibility

You are solely responsible for Your Content and for ensuring it does not infringe any third-party rights or violate any law.

8. Intellectual Property

All content, features, software, design, logos, and trademarks of the Service (excluding Your Content) are the exclusive property of Handlo AI, Inc. and are protected by applicable intellectual property laws. You may not use our name, logo, or trademarks without our prior written consent.

9. Regulated Industries

HIPAA — Healthcare

The Service is not HIPAA-compliant and is not designed to handle Protected Health Information (PHI) as defined under the Health Insurance Portability and Accountability Act (HIPAA). Handlo does not offer Business Associate Agreements (BAAs). Healthcare providers, insurers, or any other entity subject to HIPAA must not use the Service to process PHI.

Financial Services

If you operate in a regulated financial services context (banking, lending, debt collection, investment advisory), you are solely responsible for ensuring your use of the Service complies with applicable regulations, including the Fair Debt Collection Practices Act (FDCPA), Gramm-Leach-Bliley Act (GLBA), and equivalent laws. Handlo does not provide compliance tools specific to financial services.

Legal Services

If you use the Service to handle calls involving legal advice or attorney-client communications, you are responsible for ensuring compliance with applicable bar rules and professional conduct requirements in your jurisdiction.

10. U.S. Government End Users

The Service and its documentation are "Commercial Computer Software" and "Commercial Computer Software Documentation" as those terms are used in FAR 12.212 and DFARS 227.7202. Any use, modification, reproduction, or disclosure by or on behalf of the U.S. Government is governed solely by these Terms, and the Government acquires only those rights granted to all other end users.

11. Third-Party Services

The Service integrates with third-party platforms such as Vapi, Twilio, Telnyx, Stripe, Google, GoHighLevel, HubSpot, OpenAI, ElevenLabs, and others. The current list of third parties that process personal data on our behalf is maintained in our Sub-processor Register. Your use of these integrations is subject to those providers' own terms of service and privacy policies. Handlo is not responsible for the practices of third-party services.

12. Data Processing Addendum

Where Handlo processes personal data on your behalf in connection with the Service, that processing is governed by Handlo's Data Processing Addendum (DPA), which is incorporated into and forms part of these Terms by reference and takes effect on your acceptance of these Terms. The DPA sets out the parties' respective roles under applicable data protection law (including the GDPR and UK GDPR), the authorized Sub-processors, the security measures, and the terms for international data transfers, including the Standard Contractual Clauses. A counter-signed copy of the DPA is available on request at legal@handlo.ai. In the event of a conflict between these Terms and the DPA with respect to the processing of personal data, the DPA controls.

13. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY LAW, HANDLO DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

• WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.
• ANY WARRANTY THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF VIRUSES OR OTHER HARMFUL COMPONENTS.
• ANY WARRANTY REGARDING THE ACCURACY OR RELIABILITY OF ANY AI-GENERATED CONTENT, SUMMARIES, OR TRANSCRIPTS.

YOU ACKNOWLEDGE THAT AI-GENERATED CONTENT (INCLUDING TRANSCRIPTS, SUMMARIES, AND LEAD DATA) MAY CONTAIN ERRORS AND SHOULD NOT BE RELIED UPON WITHOUT HUMAN REVIEW FOR CRITICAL DECISIONS.

14. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, HANDLO AI, INC. AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING LOST PROFITS, LOST DATA, OR BUSINESS INTERRUPTION, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

HANDLO'S TOTAL CUMULATIVE LIABILITY TO YOU FOR ANY CLAIMS ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE GREATER OF (A) THE TOTAL FEES PAID BY YOU TO HANDLO IN THE THREE (3) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

THE ABOVE EXCLUSIONS AND LIMITATIONS DO NOT APPLY TO: (i) YOUR INDEMNIFICATION OBLIGATIONS; (ii) YOUR BREACH OF THE ACCEPTABLE USE SECTION; (iii) EITHER PARTY'S GROSS NEGLIGENCE, WILLFUL MISCONDUCT, OR FRAUD; OR (iv) ANY LIABILITY THAT CANNOT BE EXCLUDED OR LIMITED UNDER APPLICABLE LAW.

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OR LIMITATION OF CERTAIN WARRANTIES OR LIABILITY. IN SUCH JURISDICTIONS, THE ABOVE LIMITATIONS SHALL APPLY ONLY TO THE EXTENT PERMITTED BY LAW.

15. Indemnification

15.1 Indemnification by You

You agree to indemnify, defend, and hold harmless Handlo AI, Inc. and its officers, directors, employees, and agents from any claims, liabilities, damages, losses, and expenses (including reasonable attorneys' fees) arising out of: (a) your use of the Service; (b) Your Content; (c) your violation of these Terms; or (d) your violation of any applicable law or the rights of any third party (including recording consent violations).

15.2 Indemnification by Handlo

Handlo will defend you against any third-party claim alleging that the Service, as provided by Handlo and used in accordance with these Terms, infringes that third party's patent, copyright, or trademark, and will pay damages finally awarded (or settlement amounts agreed by Handlo) for such claim. This obligation does not apply to claims arising from Your Content, your modifications to the Service, or the combination of the Service with anything not provided by Handlo. If the Service becomes, or in Handlo's opinion is likely to become, the subject of an infringement claim, Handlo may, at its option, procure the right to continue using it, modify it to be non-infringing, or terminate the affected subscription and refund any prepaid, unused fees. This Section states Handlo's entire liability and your exclusive remedy for any claim of intellectual-property infringement.

16. Suspension and Termination

16.1 By You

You may cancel your subscription and delete your account at any time through your account settings. Cancellation takes effect at the end of your current billing period.

16.2 By Handlo

We may suspend or terminate your account immediately, with or without notice, if: (a) you violate these Terms; (b) your account is used for fraud or illegal activity; (c) we are required to do so by law; or (d) continued provision of the Service would cause harm to Handlo or others.

16.3 Effect of Termination

Upon termination, your right to use the Service ceases immediately. We will make Your Content available for export in a machine-readable format for 30 days following termination, after which we will delete or anonymize it in accordance with our Data Processing Addendum, Privacy Policy, and your configured retention settings, except where retention is required by law.

17. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Delaware, without regard to conflict of law principles.

Informal Resolution: Before initiating any legal action, you agree to contact us at legal@handlo.ai to attempt informal resolution.

Arbitration: Any unresolved dispute shall be settled by binding individual arbitration administered by the American Arbitration Association (AAA) under its Commercial Arbitration Rules, with proceedings in Delaware or, at your election, your home jurisdiction or by videoconference. YOU WAIVE THE RIGHT TO PARTICIPATE IN A CLASS ACTION OR CLASS-WIDE ARBITRATION.

Delegation: The arbitrator has exclusive authority to resolve disputes about the interpretation, applicability, enforceability, or formation of this arbitration agreement, except that a court may decide whether the class-action waiver is enforceable.

Small-Claims and IP Exception: Either party may bring an individual claim in small-claims court if it qualifies, and either party may seek injunctive or other equitable relief in any court of competent jurisdiction for claims related to intellectual property or unauthorized use of the Service.

Mass Arbitration: If 25 or more similar claims are submitted by or with the coordination of the same counsel, the claims will be administered in staged batches to promote efficiency, and applicable limitations periods are tolled for unfiled claims during the batching process.

30-Day Opt-Out: You may opt out of this arbitration agreement and the class-action waiver by emailing legal@handlo.ai within 30 days of first accepting these Terms, stating your name, account email, and intent to opt out. Opting out does not affect any other provision of these Terms.

18. Export and Sanctions Compliance

You represent and warrant that you are not located in, organized under the laws of, or ordinarily resident in any country or territory subject to comprehensive U.S. sanctions, and that you are not identified on any U.S. government denied-, blocked-, or sanctioned-party list. You agree not to use or export the Service in violation of U.S. export-control or economic-sanctions laws (including the EAR and OFAC regulations) or equivalent UK or EU regimes.

19. General Provisions

• Entire Agreement: These Terms, together with our Privacy Policy and (where applicable) our Data Processing Addendum, constitute the entire agreement between you and Handlo regarding the Service.
• Severability: If any provision is found unenforceable, the remaining provisions will continue in full force.
• Waiver: Failure to enforce any provision does not constitute a waiver of future enforcement.
• Assignment: You may not assign your rights under these Terms without our consent. We may assign our rights in connection with a merger, acquisition, or sale of assets.
• Force Majeure: We are not liable for any delay or failure in performance caused by circumstances beyond our reasonable control, including acts of God, natural disasters, war, terrorism, civil unrest, labor disputes, governmental action, internet or power failures, and outages or failures of upstream telecommunications or AI providers (such as Vapi, Twilio, Telnyx, or OpenAI). Affected obligations are suspended for the duration of the event, and either party may terminate the affected subscription if the event continues for more than 30 days.
• Survival: Any provisions that by their nature should survive termination will survive, including those governing Your Content, intellectual property, regulated industries, the Data Processing Addendum, disclaimers, limitation of liability, indemnification, effect of termination, and dispute resolution.
• Language: These Terms are published in English, which is the binding version. Translations are provided for convenience only; if there is a conflict, the English version controls.

20. Contact

Handlo AI, Inc. 131 Continental Drive, Suite 305 Newark, DE 19713 USA

Email: legal@handlo.ai Website: handlo.ai