Terms of Use

1. Agreement to Terms

By accessing or using the products, services, websites, and applications (collectively, the "Services") provided by Insaga ("we," "us," or "our"), you agree to be bound by these Terms of Use ("Terms"). If you are using the Services on behalf of an organization, you agree to these Terms on behalf of that organization and represent that you have the authority to do so. If you do not agree to these Terms, you may not access or use the Services.

We may modify these Terms from time to time. We will notify you of material changes by posting the updated Terms and updating the "Last updated" date. Your continued use of the Services after such changes constitutes your acceptance of the revised Terms.

2. Description of Services

Insaga provides a voice-based learning companion service ("Saga") and related web and mobile experiences that help users clarify learning goals, reflect on insights, turn learning into actionable steps, and follow up on progress over time. The Services are provided for educational and personal development purposes. We may add, change, or discontinue features or entire Services at any time.

3. Eligibility and Account

To access certain features, you must create an account and provide accurate, complete, and current information. You are responsible for safeguarding your account credentials and for all activity that occurs under your account. You must notify us promptly of any unauthorized access or use.

4. Acceptable Use

You agree to use the Services only in compliance with these Terms and all applicable laws and regulations. You agree not to, and not to permit others to:

• use the Services in any way that violates applicable law or the rights of others;
• attempt to gain unauthorized access to the Services, other accounts, or our or our providers' systems or networks;
• interfere with or disrupt the integrity or performance of the Services;
• use automated means (e.g., bots, scrapers) to access the Services without our prior written permission;
• transmit any malware, harmful code, or content that is defamatory, obscene, or otherwise objectionable;
• use the Services to build competing products or services or to benchmark the Services without our consent;
• reverse engineer, decompile, or attempt to extract source code from the Services (except where permitted by law);
• resell, sublicense, or commercially exploit the Services except as expressly permitted.

We may suspend or terminate your access to the Services if we reasonably believe you have violated these Terms or applicable law.

5. Intellectual Property

The Services, including their design, features, software, text, graphics, and other content (excluding user content), are owned by Insaga or our licensors and are protected by copyright, trademark, and other intellectual property laws. You do not acquire any ownership rights by using the Services.

Subject to your compliance with these Terms, we grant you a limited, non-exclusive, non-transferable, revocable license to access and use the Services for your personal or internal business use.

6. User Content and License

"User Content" means any content you submit, post, or make available through the Services (e.g., reflections, learning goals, voice input). You retain ownership of your User Content. By submitting User Content, you grant us a worldwide, non-exclusive, royalty-free license to use, store, process, reproduce, and display your User Content solely to provide, operate, improve, and secure the Services and as described in our Privacy Notice. This includes using your content to generate AI summaries (e.g. for facilitators or for participants in a learning experience) and, where you participate in a shared experience, making anonymized or aggregated summaries visible to other participants in that experience, as further described in the Privacy Notice.

You represent that you have all rights necessary to grant the above license and that your User Content does not infringe any third-party rights or violate any applicable law. We may remove or refuse to display User Content that we believe violates these Terms or applicable law.

7. Privacy and Data Protection

Our collection, use, and disclosure of personal data in connection with the Services are described in our Privacy Notice. By using the Services, you consent to such processing in accordance with the Privacy Notice.

Where applicable law (including the General Data Protection Regulation (GDPR) and similar laws) grants you rights in relation to your personal data—such as access, rectification, erasure, restriction of processing, data portability, or objection—you may exercise those rights as described in the Privacy Notice or by contacting us at the address below. You also have the right to lodge a complaint with a supervisory authority. We process personal data only where we have a lawful basis (e.g., consent, contract, legitimate interest) as set out in the Privacy Notice.

8. Disclaimers

The services are provided "as is" and "as available" without warranties of any kind, either express or implied, including but not limited to implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. We do not warrant that the services will be uninterrupted, error-free, or free of harmful components. We do not warrant the accuracy, completeness, or usefulness of any content or output generated via the services. You use the services at your own risk.

9. Limitation of Liability

To the maximum extent permitted by applicable law, Insaga and its affiliates, officers, directors, employees, agents, and licensors shall not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, revenue, data, goodwill, or other intangible losses, arising out of or related to your use of or inability to use the services, even if we have been advised of the possibility of such damages.

In no event shall our total aggregate liability for all claims arising out of or related to these Terms or the services exceed the greater of (a) the amount you paid us, if any, in the twelve (12) months prior to the event giving rise to liability, or (b) one hundred US dollars (USD $100).

Some jurisdictions do not allow the exclusion or limitation of certain damages. In such jurisdictions, our liability will be limited to the maximum extent permitted by law. Nothing in these Terms excludes or limits our liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded or limited under applicable law.

10. Indemnification

You agree to indemnify, defend, and hold harmless Insaga and its affiliates, officers, directors, employees, agents, and licensors from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to (a) your use of the Services, (b) your User Content, (c) your violation of these Terms or applicable law, or (d) your violation of any third-party rights. We reserve the right to assume the exclusive defense and control of any matter subject to indemnification by you, at your expense.

11. Termination

You may stop using the Services and close your account at any time through account settings or by contacting us. We may suspend or terminate your access to the Services, or any part thereof, at any time, with or without cause or notice, including if we believe you have violated these Terms or applicable law.

Upon termination, your right to use the Services ceases immediately. Provisions that by their nature should survive (including ownership, disclaimers, limitation of liability, indemnification, and dispute resolution) will survive termination. We may retain your data as required by law or as described in our Privacy Notice.

12. Dispute Resolution and Governing Law

These Terms and any dispute arising out of or related to them or the Services shall be governed by and construed in accordance with the laws of the jurisdiction in which Insaga is established, without regard to its conflict of law provisions.

Any dispute, claim, or controversy arising out of or relating to these Terms or the Services that cannot be resolved informally shall be resolved by binding arbitration in accordance with the rules of the arbitral body designated by Insaga, except that either party may seek injunctive or other equitable relief in any court of competent jurisdiction. You waive any right to participate in a class action or class-wide arbitration. Nothing in these Terms prevents you from bringing an individual claim in your country of residence where mandatory consumer protection laws apply.

13. General

These Terms, together with the Privacy Notice and any additional terms we provide for specific features, constitute the entire agreement between you and Insaga regarding the Services and supersede any prior agreements. If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect. Our failure to enforce any right or provision shall not constitute a waiver of such right or provision. You may not assign or transfer these Terms or your account without our prior written consent; we may assign these Terms without restriction. No agency, partnership, joint venture, or employment relationship is created by these Terms.

14. Contact

For questions about these Terms or the Services, contact us at: legal@insaga.io. For privacy-related requests or questions, see our Privacy Notice or contact us at: privacy@insaga.io.