Terms of Service

Effective Date: March 26, 2026

Last Updated: November 8, 2026

These Terms of Service ("Terms") are a legal agreement between you ("you" or "user") and Marejo Life Memory LABS - FZCO ("we," "us," or "our"), a company registered in the United Arab Emirates. These Terms govern your access to and use of the Marejo application ("Marejo" or the "App") on iOS, Android, and the web at app.marejo.io, including all features, content, and services provided through the App.

This revision (November 8, 2026) changes the operating company to Marejo Life Memory LABS - FZCO, registered in Dubai Silicon Oasis (IFZA), United Arab Emirates, and updates its contact details.

The revision of September 8, 2026 updates features, platforms, voice processing, and pricing statements to match the live product. The original effective date is unchanged.

By downloading, installing, creating an account, or otherwise using Marejo, you agree to be bound by these Terms. If you do not agree to these Terms, do not use the App.

1. Agreement to Terms

By accessing or using Marejo, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you are using the App on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.

We may update these Terms from time to time. Your continued use of the App after any changes take effect constitutes your acceptance of the revised Terms. Please review these Terms periodically.

2. Eligibility

To use Marejo, you must:

• Be at least 14 years of age. This age requirement aligns with the Korean Personal Information Protection Act (PIPA), which requires parental consent for processing personal information of children under 14. We do not knowingly collect personal information from anyone under 14.
• Have the legal capacity to enter into a binding agreement.
• Not have been previously banned or had your account terminated by us for violating these Terms.

If you are between 14 and 18 years of age (or the age of majority in your jurisdiction), you represent that your parent or legal guardian has reviewed and agrees to these Terms on your behalf.

3. Account Registration

3.1 Creating an Account

To access Marejo's features, you must create an account. You may register using any of the following methods:

• Google Sign-In
• Apple Sign-In
• Email and password

3.2 Account Responsibilities

When creating and maintaining your account, you agree to:

• Provide accurate, current, and complete information during registration.
• Keep your login credentials confidential and secure.
• Notify us immediately at hello@ridiocompany.com if you suspect unauthorized access to your account.
• Maintain only one active account per person. Creating multiple accounts to circumvent usage limits, bans, or other restrictions is prohibited.

You are responsible for all activity that occurs under your account. We are not liable for any loss or damage arising from unauthorized use of your account.

3.3 Personalization

During onboarding, you may customize your experience by naming your AI assistant (default: "마레조") and setting how the AI addresses you (default: "친구"). These preferences can be changed at any time in the App's settings.

4. Description of Service

Marejo is a voice-first personal assistant available on iOS, Android, and the web at app.marejo.io. The App unifies diary, calendar, reminders, to-do lists, notes, meeting records, document understanding, and AI chat into a single conversation interface. You speak or type naturally, and the AI assistant autonomously determines the appropriate action — whether that is creating a diary entry, scheduling a calendar event, setting a reminder, managing a to-do item, saving a note, recording a meeting, or answering a question.

All features are currently free. Paid subscriptions are not sold.

4.1 Core Features

The App provides the following features:

• Voice Diary. Speak to record diary entries. The App saves both your raw voice transcription and an AI-polished version of the text, along with mood classification and optional photo attachments.
• Voice Calendar. Speak to create, edit, or delete calendar events. The AI automatically classifies future plans mentioned in conversation as calendar items.
• Reminders. Ask to be reminded of something at a specific time. The App delivers push notifications at the scheduled time.
• To-Do List. Create and manage tasks with titles, descriptions, priorities, and due dates through conversation or direct input.
• Notes. Create markdown notes, including inline images.
• Meeting Mode. Capture one continuous audio file, stored in object storage. ElevenLabs Scribe v2 produces a diarized transcript. AI then writes a title, summary/tldr, decisions, and action items.
• Document Understanding. Upload documents so the App can extract text and generate an AI summary.
• AI Chat. Have a conversational exchange with an AI assistant powered by Google Gemini (via Vercel AI Gateway). The AI has context of your diary entries, calendar events, notes, meetings, documents, and other stored data to provide personalized responses.
• Voice Transcription. Short chat and diary audio is transcribed to text using OpenAI's gpt-4o-transcribe model, supporting Korean and English. Meeting audio is transcribed with speaker labels using ElevenLabs Scribe v2.
• Text-to-Speech. AI responses can be read aloud using ElevenLabs text-to-speech technology, with customizable voice settings.
• AI Image Generation. Request the AI to generate images based on text descriptions, powered by Google Gemini. This feature may be subject to a daily limit.
• Web Search. The AI can search the web on your behalf using Tavily to provide current information in its responses.
• Photo Attachments. Attach photos from your camera or photo library to diary entries and notes. Photos are stored in S3-compatible cloud storage.
• Home-Screen Widgets. Display existing diary, calendar, and reminder content on your device home screen. Some features (including widgets, push notifications, and meeting capture) may differ by platform.

4.2 Automated Actions

An important aspect of Marejo is that the AI assistant takes automated actions based on your conversation. When you speak or type, the AI may automatically:

• Create, update, or delete diary entries
• Create, update, or delete calendar events
• Schedule or cancel reminders
• Create, update, complete, or delete to-do items
• Generate daily diary summaries with mood assessments
• Summarize meetings (title, summary, decisions, action items)
• Summarize uploaded documents
• Extract and store memories about you

These automated actions are a core part of how the App works. By using Marejo, you acknowledge and consent to the AI taking these actions on your behalf based on the content of your conversations. You can always review, edit, or delete any content the AI creates.

5. AI-Generated Content Disclaimer

Marejo uses artificial intelligence to process your input, generate responses, polish diary entries, classify moods, manage your schedule, summarize meetings and documents, extract memories, and create images. You acknowledge and agree to the following:

• AI responses may be inaccurate. AI-generated content, including polished diary entries, calendar suggestions, chat responses, mood classifications, meeting summaries, document summaries, and generated images, may contain errors, inaccuracies, or inappropriate content. AI may produce content that appears plausible but is factually incorrect (sometimes called "hallucinations"). You should review all AI-generated content before relying on it.
• AI is not a substitute for professional advice. Marejo's AI assistant does not provide medical, legal, financial, psychological, or any other professional advice. You should not make important life decisions based solely on AI-generated responses. Always consult qualified professionals for matters requiring expert guidance.
• AI models are provided by third parties. The AI models powering Marejo (Google Gemini, OpenAI gpt-4o-transcribe, ElevenLabs) are operated by third-party providers. We do not control their outputs and cannot guarantee their accuracy, completeness, or appropriateness.
• AI-polished content may alter meaning. When the AI polishes your diary entries or transcriptions, it may inadvertently change the meaning or nuance of your original words. The raw transcription is always preserved alongside the polished version so you can verify accuracy.
• Generated images may not match expectations. AI-generated images are produced by machine learning models and may not accurately reflect your description or intent. Generated images should not be relied upon for any critical purpose.
• Web search results may be outdated or inaccurate. When the AI performs web searches, the results it presents may be incomplete, outdated, or incorrect. Verify important information from authoritative sources.

6. Voice Recording and Transcription

Marejo is a voice-first application, and voice input is a central feature. Voice processing differs by feature. By using voice features, you acknowledge and consent to the following:

• Microphone access. The App requests access to your device's microphone to record audio. You can grant or revoke this permission through your device settings at any time.
• Short voice input (chat and diary). When you record short voice input, the audio is transmitted to OpenAI's gpt-4o-transcribe model for speech-to-text transcription. We do not store these short audio recordings on our servers. Only the resulting text transcription is stored in our database.
• Meeting recordings. Meeting Mode stores one continuous audio file in our S3-compatible object storage (for example, meetings/{userId}/{meetingId}/audio.m4a). That audio is sent to ElevenLabs Scribe v2 for a diarized transcript. AI then writes a title, summary/tldr, decisions, and action items. Meeting audio is user content. It is deleted when you delete the meeting or your account (database cascade plus object storage).
• Third-party processing. OpenAI and ElevenLabs process audio in accordance with their API data usage policies. Per OpenAI's current policy, data sent through their API is not used to train their models and is retained only temporarily for abuse monitoring.
• Transcription accuracy. Speech-to-text transcription may not perfectly capture what was said, especially with background noise, accents, specialized vocabulary, overlapping speakers, or mixed-language input. You can review and correct stored text.
• Consent to record. By tapping the voice input button or starting a meeting recording, you consent to the recording and processing of that audio. Do not use voice input or Meeting Mode to record conversations with third parties without their knowledge and consent, as this may violate applicable laws. You are responsible for giving any notice or obtaining any consent required by law.
• Text-to-speech is separate from your voice. The text-to-speech feature converts AI-generated text to spoken audio using ElevenLabs. It does not use, analyze, or replicate your voice recordings in any way.

7. User Content

7.1 Ownership

You retain full ownership of all content you create, upload, or provide through Marejo, including diary entries, calendar events, reminders, to-do items, notes, meeting recordings, transcripts, summaries, documents, photos, chat messages, and voice transcriptions ("User Content"). We do not claim any ownership rights over your User Content.

7.2 License to Us

By using Marejo, you grant us a limited, non-exclusive, worldwide, royalty-free license to store, process, transmit, and display your User Content solely for the purpose of providing and improving the App's services to you. This includes:

• Storing your content in our database and object storage
• Transmitting your content to third-party AI services for processing (e.g., diary polishing, meeting transcription and summarization, document understanding, calendar management, AI responses)
• Displaying your content back to you within the App
• Creating AI-generated derivative content (polished entries, mood classifications, daily summaries, meeting notes, document summaries, memories) based on your input

This license terminates when you delete the specific content or your account.

7.3 Your Responsibilities

You are responsible for all User Content you provide through the App. You represent and warrant that:

• You have the right to provide the content (e.g., you own the photos you upload or have permission to use them).
• Your content does not infringe on any third party's intellectual property rights, privacy rights, or other legal rights.
• Your content does not violate any applicable law or regulation.
• You have given any legally required notice and obtained any legally required consent before recording other people in Meeting Mode.

8. Intellectual Property

8.1 Our Property

Marejo, including its design, user interface, source code, algorithms, branding, logos, trademarks, and all associated intellectual property, is owned by Marejo Life Memory LABS - FZCO or its licensors. These Terms do not grant you any right, title, or interest in our intellectual property except the limited right to use the App as described in these Terms.

8.2 AI Model Ownership

The AI models used within Marejo (Google Gemini, OpenAI gpt-4o-transcribe, ElevenLabs, and others) are the property of their respective owners. Your use of features powered by these models is subject to both these Terms and the respective providers' terms of service.

8.3 Feedback

If you provide us with suggestions, ideas, or feedback about the App, you grant us a non-exclusive, perpetual, irrevocable, royalty-free license to use, modify, and incorporate that feedback into the App without any obligation to you.

9. Usage Limits

9.1 Internal Metering

Marejo may meter access to AI-powered features internally. Usage metering is not a paid product. Currently all features are available without payment. We do not sell credits, and we do not grant a paid starter balance as a commercial offer.

Any internal balance has no monetary value, is non-refundable, and cannot be transferred between accounts. Any remaining balance is forfeited upon account deletion.

9.2 Feature Limits

AI image generation and other features may be subject to daily or rate limits. We reserve the right to adjust these limits at any time.

9.3 Rate Limiting

To ensure fair use and service stability, we may impose rate limits on API requests, voice transcription, meeting processing, AI chat, and other features. If you exceed these limits, you may experience temporary restrictions on feature access.

9.4 Changes to Limits

We reserve the right to modify usage limits and rate limits at any time. We will provide reasonable notice of material changes that affect your ability to use the App. If paid plans are introduced later, these Terms will be updated before any sale.

10. Subscriptions and In-App Purchases

10.1 Not Currently Sold

Paid subscriptions are not currently sold. All features are free. Marejo does not currently offer Premium monthly £2, yearly £20, a 14-day free trial, or any other paid in-app purchase.

10.2 Future Paid Plans

If paid plans are introduced later:

• Prices will be shown in Korean won (KRW) on the pricing page together with business information.
• These Terms will be updated before any sale.
• No charge will be made until a paid plan is actually offered and you complete a purchase.

We are a company registered in the United Arab Emirates and do not have a Korean business registration number or mail-order business (통신판매업) registration number.

10.3 Refunds

Because no paid subscriptions are currently sold, in-app purchase refund procedures do not apply. If subscriptions are later sold through the Apple App Store or Google Play Store, refunds will be handled by Apple or Google in accordance with their respective policies.

11. Acceptable Use

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

• Violate any law or regulation, including but not limited to data protection, privacy, intellectual property, anti-spam, and export control laws.
• Abuse the AI assistant, including attempting to generate harmful, illegal, abusive, hateful, discriminatory, sexually explicit, or violent content.
• Attempt to bypass safety measures built into the AI models or the App, including jailbreaking, prompt injection, or similar techniques.
• Use the App for automated access or scraping, including using bots, scripts, crawlers, or other automated means to access or interact with the App.
• Reverse engineer, decompile, or disassemble the App or any part of it, except to the extent permitted by applicable law.
• Interfere with the App's operation, including attempting to overload servers, introduce malware, or exploit vulnerabilities.
• Harass, threaten, or harm other users or any person through the App.
• Impersonate any person or entity, or falsely represent your affiliation with any person or entity.
• Circumvent usage limits by creating multiple accounts or exploiting technical loopholes.
• Use the App to record third parties without their knowledge and consent where required by law, including in Meeting Mode.
• Resell or commercially exploit the App or its features without our prior written consent.
• Use the AI to generate content that infringes on third-party intellectual property rights.

12. Account Suspension and Termination

12.1 Suspension or Ban by Us

We may suspend, restrict, or terminate your account at our sole discretion if we reasonably believe that:

• You have violated these Terms or our Acceptable Use policy.
• Your account is being used for fraudulent, illegal, or abusive activity.
• Continued use of the App by you poses a risk to us, other users, or third parties.
• It is necessary to comply with a legal obligation or law enforcement request.

When we suspend or ban an account, we may store the ban status, reason for the ban, and any applicable ban expiration date. Bans may be temporary or permanent. We will make reasonable efforts to notify you of the reason for any suspension or ban, except where doing so would compromise an investigation or violate legal requirements.

12.2 Account Deletion by You

You may delete your account at any time through the App's settings. When you delete your account:

• All associated data — including diary entries, notes, meeting records (audio, transcript, and notes), documents, memories and assistant profiles, calendar events, reminders, to-do items, daily summaries, chat history, usage metadata, internal metering balance, authentication credentials, preferences, and session data — is permanently deleted from our database through cascading deletion.
• Photos, note images, documents, meeting audio, and AI-generated images stored in cloud storage may take up to 30 days to be fully purged.
• Account deletion is irreversible. We cannot recover your data once deletion is complete.

12.3 Effect of Termination

Upon termination of your account (whether by you or by us):

• Your license to use the App immediately terminates.
• You must cease all use of the App.
• Sections of these Terms that by their nature should survive termination will survive, including but not limited to: Intellectual Property, Disclaimers, Limitation of Liability, Indemnification, Governing Law, and any accrued obligations.

13. Privacy

Your privacy is important to us. Our collection, use, and sharing of your personal information is governed by our Privacy Policy, which is available in the App and on our website under the legal section. The Privacy Policy is incorporated into these Terms by reference.

By using Marejo, you acknowledge that you have read and understood our Privacy Policy and consent to the data practices described therein, including the transmission of your data to third-party service providers for AI processing, voice transcription, meeting transcription, text-to-speech, image generation, push notifications, and error monitoring.

14. Third-Party Services

Marejo relies on third-party services to deliver its features. These include, but are not limited to:

You acknowledge and agree that:

• The availability and performance of these third-party services are outside our control. We are not responsible for outages, downtime, errors, or changes in third-party services that may affect Marejo's functionality.
• Your use of features powered by third-party services may be subject to those providers' terms of service and privacy policies.
• We may change third-party service providers at any time to improve the App or replace discontinued services, provided the overall functionality remains substantially similar.
• Temporary unavailability of third-party services does not constitute a breach of these Terms by us.
• RevenueCat is not an active data recipient while paid subscriptions are not sold.

15. Disclaimers

15.1 "As Is" Provision

MAREJO IS PROVIDED ON AN "AS IS" AND "AS AVAILABLE" BASIS, WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT.

15.2 No Warranty on AI Accuracy

We do not warrant that:

• AI-generated responses, diary polishing, mood classifications, meeting summaries, document summaries, or other AI outputs will be accurate, complete, reliable, or suitable for any particular purpose.
• Voice transcription will perfectly capture speech.
• AI-generated images will match your description or expectations.
• Web search results provided by the AI will be current or accurate.
• The App will be uninterrupted, timely, secure, or error-free.
• Any defects in the App will be corrected.

15.3 No Professional Advice

Nothing in the App constitutes medical, legal, financial, psychological, therapeutic, or any other form of professional advice. The AI assistant is a general-purpose conversational tool and should not be treated as a substitute for qualified professional guidance.

16. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW:

• Marejo Life Memory LABS - FZCO, its directors, officers, employees, affiliates, and agents shall not be liable for any indirect, incidental, special, consequential, or punitive damages, including but not limited to loss of data, loss of profits, loss of goodwill, or other intangible losses, arising out of or related to your use of or inability to use the App.
• Our total aggregate liability for all claims arising out of or related to these Terms or the App shall not exceed the greater of (a) the amount you have paid us in the 12 months preceding the claim, or (b) 50 GBP. Because the App is currently free, this amount will typically be 50 GBP.
• We are not liable for any harm resulting from your reliance on AI-generated content, including but not limited to inaccurate diary polishing, incorrect calendar entries, missed reminders, inaccurate meeting summaries, or any decisions you make based on AI responses.
• We are not liable for actions taken by third-party services, including AI model providers, cloud storage providers, push notification services, or error-monitoring providers.

These limitations apply regardless of the legal theory (contract, tort, strict liability, or otherwise) and even if we have been advised of the possibility of such damages.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for death or personal injury caused by negligence, fraud, or fraudulent misrepresentation.

17. Indemnification

You agree to indemnify, defend, and hold harmless Marejo Life Memory LABS - FZCO, its directors, officers, employees, affiliates, and agents from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable legal fees) arising out of or related to:

• Your use of the App in violation of these Terms.
• Your User Content, including any claim that your content infringes a third party's rights.
• Your violation of any applicable law or regulation, including recording laws.
• Your misuse of AI-generated content, including any reliance on AI responses for decisions that result in harm to you or others.
• Unauthorized use of your account that results from your failure to maintain the security of your credentials.

18. Modifications to Terms

We may revise these Terms at any time. When we make changes:

• Standard changes (clarifications, minor updates, formatting): We will provide at least 7 days' notice through the App via push notification or in-app notice before the changes take effect.
• Material changes (changes to liability, user rights, data practices, or pricing): We will provide at least 30 days' notice and, where required by applicable law, seek your consent before the changes take effect.

The updated Terms will indicate the new "Last Updated" date at the top of the document. If you do not agree to the revised Terms, you should stop using the App and delete your account before the changes take effect. Your continued use of the App after the effective date of any changes constitutes your acceptance of the revised Terms.

19. Governing Law and Disputes

19.1 Governing Law

These Terms are governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles. Marejo Life Memory LABS - FZCO is registered in the United Arab Emirates at 800-IFZA(4392) Business Park, Dubai Silicon Oasis, Dubai, UAE.

19.2 Dispute Resolution

Any dispute arising out of or in connection with these Terms shall first be attempted to be resolved through good-faith negotiation. If a dispute cannot be resolved through negotiation within 30 days, it shall be submitted to the exclusive jurisdiction of the courts of England and Wales.

19.3 Korean Consumer Protection

For users located in South Korea, nothing in these Terms shall limit or exclude any mandatory consumer protection rights you may have under the laws of the Republic of Korea, including but not limited to:

• The Personal Information Protection Act (개인정보 보호법, PIPA) regarding data protection rights.
• The Act on the Consumer Protection in Electronic Commerce (전자상거래 등에서의 소비자보호에 관한 법률) regarding your rights as a consumer of electronic services.
• The Framework Act on Consumers (소비자기본법) regarding general consumer rights.

Where Korean law provides mandatory protections that conflict with these Terms, the provisions more favorable to the Korean consumer shall prevail to the extent required by Korean law. Korean users may also seek dispute resolution through the Korea Internet & Security Agency (KISA, 118) or the Korea Consumer Agency (소비자원).

19.4 UK and EU Consumer Rights

If you are a consumer in the United Kingdom or European Union, nothing in these Terms affects your statutory consumer rights that cannot be waived or limited by contract. You may be entitled to bring proceedings in the courts of your country of residence.

20. Severability

If any provision of these Terms is held to be invalid, illegal, or unenforceable by a court of competent jurisdiction, that provision shall be modified to the minimum extent necessary to make it valid and enforceable, or if modification is not possible, it shall be severed from these Terms. The remaining provisions shall continue in full force and effect.

21. Entire Agreement

These Terms, together with our Privacy Policy and Cookie Policy, constitute the entire agreement between you and Marejo Life Memory LABS - FZCO regarding your use of Marejo. These Terms supersede all prior or contemporaneous agreements, representations, warranties, and understandings, whether written, oral, or implied, relating to the subject matter of these Terms. These Terms apply to all existing users as of the effective date.

No failure or delay by us in exercising any right under these Terms shall operate as a waiver of that right. A waiver of any right on one occasion shall not be construed as a waiver of that right on any subsequent occasion.

22. Contact Information

If you have any questions, concerns, or complaints about these Terms or the App, please contact us:

• Company: Marejo Life Memory LABS - FZCO
• CEO: Sang Jin Lee
• Address: 800-IFZA(4392) Business Park, Dubai Silicon Oasis, Dubai, UAE
• Email: hello@ridiocompany.com
• Phone: +1 (672) 969 2092 / +82 10 9878 2092

We will make reasonable efforts to respond to all inquiries within a timely manner.

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These Terms of Service were last updated on September 8, 2026.