Terms of Use

Effective as of February 4, 2026

These Terms of Use (the "Terms", and together with any updates and applicable Supplemental Terms, the "Agreement") govern the relationship between Bizzy AI, Inc. ("Company," "we," "us," "our") and the individual ("User," "you," "your") using or accessing our products and services, including the Otto mobile application (the "App"), associated software, APIs, and websites (collectively, the "Services" or "Otto").

PLEASE READ THIS AGREEMENT CAREFULLY. BY DOWNLOADING, ACCESSING, OR USING THE SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE, DO NOT USE THE SERVICES.

1. Artificial Intelligence Disclaimer

1.1 AI Understanding and Limitations

You acknowledge that Otto is powered by artificial intelligence and that you are interacting with an AI system when using the Services. In particular:

  • AI systems are probabilistic and may misunderstand, misinterpret, or make errors during phone calls or other communications.
  • Outputs, transcripts, and summaries may contain inaccuracies, omissions, or biases.
  • Otto cannot guarantee results when third parties (businesses, service providers, etc.) do not respond, refuse requests, or operate inaccessible systems.
  • The Company disclaims liability for outcomes resulting from third-party unavailability, refusal, or delay.

2. User Responsibilities and Acceptable Use

By using Otto, you acknowledge and agree to the following:

2.1 Accurate and Timely Information

You are responsible for providing accurate, complete, and timely information. Task success depends on how well you describe the objective and supply required details (e.g., account numbers, names, preferences).

2.2 Reasonable Task Objectives

You agree to submit lawful, specific, and reasonably achievable tasks aligned with Otto's capabilities.

2.3 Legal and Ethical Use

You will only use Otto for lawful and ethical purposes. Tasks must not be unlawful, fraudulent, abusive, harassing, or misleading. The Company reserves the right to reject or terminate such tasks.

2.4 Authority to Delegate

By submitting a task, you confirm you have the legal right and authority to authorize Otto to act on your behalf. The Company does not independently verify this authorization and assumes no liability for disputes arising from unauthorized instructions.

2.5 Third-Party Policy Compliance

Otto interacts with businesses, service providers, and systems outside our control. You acknowledge that outcomes may be limited by those third parties' policies, hold times, hours of operation, or other constraints.

2.6 High-Risk Use Prohibited

Otto is not intended for legal filings, immigration applications, financial investment decisions, medical decisions, government submissions, emergency services, or any high-risk or regulated tasks. Do not use Otto for these purposes without explicit prior written approval from the Company.

2.7 Responsibility for Content

You are solely responsible for all inputs and content you submit, and must not submit any content that infringes others' rights, violates applicable laws, or shares personal data without appropriate consent.

2.8 Abuse and Security

Misuse of Otto's systems (e.g., mass automated disputes, impersonation, data scraping, harassment, fraud) may lead to suspension or termination. We monitor behavior to ensure compliance with our Usage Policy.

2.9 Authorization to Act on User's Behalf

By using the Services, you expressly authorize Otto to act as your representative for the limited purpose of initiating, conducting, and completing phone calls and other communications with third parties as instructed by you. You acknowledge and agree that:

  • Otto may present itself to third parties as your authorized agent or representative, and such communications shall be deemed to have been made with your full knowledge and consent.
  • You remain solely responsible for the content, legality, and accuracy of any information provided to Otto for use in such communications.
  • Otto does not independently verify the accuracy of information you supply; any misrepresentations or omissions are your sole responsibility.

2.10 Caller ID and Communication Practices

By agreeing to these Terms, you authorize Otto, when acting on your behalf, to use your personal telephone number or other identifying information as the outbound caller identification when contacting third parties. Otto will only use your number for this purpose and will not intentionally transmit misleading or inaccurate caller identification information.

2.11 Submissions to Third Parties

You authorize Otto to prepare and submit communications, requests, claims, or complaints to third parties in your name and on your behalf, based on the information you provide. You acknowledge and agree that:

  • All such submissions are deemed to have been made by you, with your full knowledge and consent.
  • You are solely responsible for ensuring that all information provided to Otto is truthful, accurate, and complete.
  • Otto is not responsible for the outcome of such submissions, including whether they are accepted, rejected, or acted upon by the third party.

3. Access and License

You are granted a limited, non-exclusive, non-transferable, revocable license to download, install, and use the App on a compatible mobile device for personal, non-commercial use, subject to compliance with these Terms and our Usage Policy.

You must:

  • Maintain the confidentiality of your account credentials.
  • Not use automation, bots, or scripts to access Otto without authorization.
  • Not reverse engineer, decompile, tamper with, or exploit Otto's systems.
  • Not overload, flood, or spam Otto's services.

We may suspend or terminate access for any violation.

4. Fees and Payments

4.1 Pricing Model

Otto offers the following pricing tiers:

  • Free Tier: Includes a limited number of convenience tasks per month (e.g., rescheduling appointments, making reservations) and access to money-saving tasks (bill negotiation, subscription cancellation, refunds) subject to a success fee.
  • Pro Subscription: A monthly subscription that unlocks unlimited tasks with no success fees. Current pricing is displayed within the App and is subject to change.
  • Success Fees: For money-saving tasks on the Free tier, Otto charges a percentage of the savings achieved. You are only charged if Otto successfully saves you money.

4.2 Payments and Third-Party Processors

Payments are processed through Apple's In-App Purchase system and/or third-party payment processors (e.g., Stripe, Inc.). By completing a payment, you agree to the applicable processor's terms.

4.3 Subscriptions and Billing

If you subscribe to Otto Pro, you will be billed in advance on a recurring monthly basis. Your subscription will automatically renew at the then-current price unless cancelled before the renewal date.

4.4 Pricing Changes

The Company reserves the right to change pricing, fee structures, or billing methods at any time. Any pricing changes will take effect at the start of the next billing period following reasonable notice.

4.5 Taxes

Fees do not include any applicable sales, use, or similar taxes. You are responsible for paying all applicable taxes.

4.6 Refund Policy

Except where required by applicable law, all payments are final and non-refundable. For refund inquiries, contact support@usebizzy.com.

5. AI Content and Output

5.1 Responsibility for Input and Output

All content submitted by you is your responsibility. All AI-generated output—including call transcripts, summaries, and recommended actions—is provided "as is." You are responsible for verifying accuracy and legality.

5.2 Intellectual Property

You retain ownership of the content you submit. However, AI-generated output may not be unique across users. We retain rights to anonymized and aggregated usage data for analytics and service improvement.

5.3 Content Restrictions

You may not use Otto to input, generate, or share unlawful, defamatory, harmful, misleading, or explicit content. You may not repurpose output to defraud, harass, impersonate, or harm others.

6. Suspension and Termination

  • The Company may suspend or terminate your account for violating these Terms or the Usage Policy.
  • Upon termination, your right to use Otto ends immediately.
  • You may not attempt to re-register if terminated for cause.
  • Any unused subscription time or prepaid fees will be handled in accordance with the Refund Policy above and applicable law.

7. Disclaimer of Warranties

OTTO IS PROVIDED "AS IS" AND "AS AVAILABLE." WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, AND MERCHANTABILITY. OTTO IS AN AI-POWERED SERVICE AND CANNOT GUARANTEE SUCCESSFUL RESOLUTION OF ALL TASKS.

8. Limitation of Liability

To the maximum extent permitted by applicable law:

  • We are not liable for indirect, incidental, special, punitive, or consequential damages.
  • Our total aggregate liability shall not exceed the amount paid by you to the Company in the three (3) months preceding the event giving rise to the claim.
  • This limitation does not apply to liability for fraud, gross negligence, or death or personal injury caused by our negligence.

9. Privacy

We handle personal data as described in our Privacy Policy. You are responsible for only submitting data you have the right to share. By using Otto, you consent to the collection, use, and processing of your data as described in the Privacy Policy.

10. Governing Law and Dispute Resolution

These Terms are governed by the laws of the State of Delaware, United States, without regard to conflict of law principles. Any dispute arising out of or in connection with these Terms shall be submitted to the exclusive jurisdiction of the state and federal courts located in Delaware.

11. Modifications and Communications

  • We may update these Terms at any time. We will notify you of material changes through the App or via email.
  • Continued use of Otto after updates constitutes acceptance of the revised Terms.
  • We may communicate with you electronically regarding these Terms and your use of Otto.

12. Apple App Store Terms

If you downloaded Otto from the Apple App Store, the following additional terms apply:

  • These Terms are between you and Bizzy AI, Inc. only, and not with Apple Inc.
  • Apple has no obligation to provide maintenance or support for the App.
  • Apple is not responsible for addressing any claims relating to the App.
  • Apple and its subsidiaries are third-party beneficiaries of these Terms.

13. Contact

If you have questions about these Terms, please contact us:

Email: support@usebizzy.com

By using Otto, you acknowledge that you have read, understood, and agree to be bound by these Terms and the accompanying Usage Policy and Privacy Policy.