Terms & conditions

1. Introduction and Agreement

These Terms and Conditions (the "Terms") govern your access to and use of the rumi.coach platform, including our website, web application, iOS application, and Android application (collectively, the "Service"), operated by RUMI LABS, LDA, a private limited company incorporated in Portugal, with registered office at Travessa Velha do Picoto 125, 3700-638 Cesar, with VAT number 519566246 ("rumi.coach", "we", "us", or "our").

By creating an account or using the Service, you confirm that you have read, understood, and agree to be bound by these Terms, together with our Privacy Policy, which is incorporated herein by reference. If you do not agree to these Terms, you may not use the Service.

These Terms constitute a legally binding agreement between you and rumi.coach under Portuguese law and applicable European Union consumer protection and digital services legislation, including Directive 2011/83/EU on consumer rights and Regulation (EU) 2016/679 (GDPR).

2. Eligibility

To use the Service, you must:

• Be at least 16 years of age. By creating an account, you confirm that you meet this requirement.
• Have the legal capacity to enter into a binding agreement under the law of your country of residence.
• Not have previously had your account suspended or terminated by rumi.coach for a violation of these Terms.

If we become aware that a user is under 16 years of age, we will promptly suspend the account and delete any associated data in accordance with our Privacy Policy and applicable law, including GDPR Article 8.

3. Description of the Service

rumi.coach is a private, voice-first self-reflection and clarity tool designed to help users step off autopilot and live with greater intention. The Service provides:

• Live Voice Sessions powered by AI, conducted within your chosen atmospheric environment.
• A Visual Clarity Dashboard to track generated habits, priorities, goal roadmaps, and mental reflections.
• Adaptive Generative UI that restructures itself in real time based on your session content.
• Access via Web, iOS, and Android applications.

Important: rumi.coach is a self-reflection and clarity tool. It is not a form of therapy, psychotherapy, counselling, or any other regulated mental health or medical service, and is not a substitute for professional mental health care. If you are experiencing a mental health crisis or require clinical support, please contact a qualified healthcare professional or emergency services.

4. Account Registration and Security

To access the Service, you must register for an account by providing accurate, current, and complete information. You are responsible for:

• Keeping your login credentials confidential and not sharing them with any third party.
• All activity that occurs under your account.
• Notifying us immediately at support@rumi.coach if you become aware of any unauthorised use of your account or any other security breach.

We reserve the right to disable your account at any time if we believe your credentials have been compromised or if you have violated these Terms.

5. Subscription and Billing

5.1 Membership Plans

Access to the Service requires a paid membership ("Rumi Membership"). We offer two plans:

• Rumi Coach plan: includes 60 minutes of Live Voice Sessions per billing period and unlimited messages in the in-app chat.
• Plus plan: includes 120 minutes of Live Voice Sessions per billing period and unlimited messages in the in-app chat.

Each plan is available with the following billing cycles:

• Monthly: billed each month.
• Annual: billed once per year, with 2 months free (12 months for the price of 10).

The current price for each billing cycle, in your billing currency (EUR, USD, or GBP), is always displayed at rumi.coach/pricing and is confirmed at checkout before you pay. Applicable taxes (such as VAT or sales tax) are calculated and applied at checkout by the merchant of record for your purchase (see Section 5.5).

5.2 Automatic Renewal

Your subscription renews automatically at the end of each billing period unless cancelled before the renewal date. The renewal charge is made by the platform through which you purchased — the Apple App Store, Google Play, or Paddle (for purchases made on our website) — using the payment method you provided to that platform. We will notify you by email at least 30 days in advance of any changes to your subscription price.

5.3 Price Changes

If we change the price of your subscription, the new price will take effect at the start of your next billing period following the notice period. If you do not agree to the new price, you may cancel your subscription before the change takes effect.

5.4 Payment Method

Payments are collected by the platform through which you subscribe (the Apple App Store, Google Play, or Paddle for website purchases). rumi.coach never receives or stores your full payment card details. You represent that you are authorised to use your chosen payment method. If a payment fails, the billing platform will notify you and retry according to its own rules, and we may suspend access to the Service until payment is resolved.

5.5 Purchases Through Third-Party Platforms (Merchant of Record)

Purchases of the Service are not made directly from rumi.coach:

• Website purchases are sold and billed by Paddle, acting as merchant of record. Paddle's Checkout Buyer Terms apply to the transaction, and Paddle is responsible for calculating and remitting applicable taxes.
• iOS purchases are made through the Apple App Store and are subject to Apple's Media Services Terms and Conditions.
• Android purchases are made through Google Play and are subject to the Google Play Terms of Service.

Regardless of where you purchase, these Terms continue to govern your access to and use of the Service itself.

6. Voice Minutes — Included Allowance and Top-Ups

6.1 Monthly Allowance

Each Rumi Membership includes 60 minutes (Rumi Coach plan) or 120 minutes (Plus plan) of Live Voice Sessions per billing period. Typical sessions last 5–10 minutes; most users find 30–45 minutes per week is optimal.

6.2 Rollover

Unused minutes from your monthly allowance roll over automatically to your next billing period and never expire while your membership remains active. Upon cancellation of your membership, any unused rolled-over minutes are forfeited.

6.3 Low-Minute Warning

When you have 2 minutes remaining in your available balance (including any rolled-over minutes), the Service will display a clear in-session warning. When your balance reaches zero, the session will stop. There is no automatic top-up. You will never be charged for additional minutes without your explicit action.

6.4 Top-Up Packages

You may purchase additional minutes at any time as one-time purchases. Available packages and their current prices are listed at rumi.coach/pricing. Top-up minutes:

• Are one-time purchases and do not create a recurring charge.
• Roll over automatically and never expire while your membership remains active.
• Are non-refundable once purchased, except as required by applicable law.

6.5 In-App Chat

The in-app chat lets you send Rumi voice or text messages at any time, without starting a session. With an active Rumi Coach or Plus plan, chat messages are unlimited and do not use your minutes. Top-up packages also give access to the chat: without an active plan, each message you send uses 1 second of your available balance.

7. Right of Withdrawal and Refunds

Refunds and withdrawal rights are honoured by the merchant of record for your purchase:

• Apple App Store purchases: request a refund from Apple at reportaproblem.apple.com, subject to Apple's policies.
• Google Play purchases: request a refund through Google Play's refund process.
• Website purchases: the sale is made by Paddle as merchant of record. Contact us at support@rumi.coach and we will process your request with Paddle.

7.1 Statutory Right of Withdrawal for Website Purchases (EU Consumer Right)

As a consumer in the European Union, you have the right to withdraw from your subscription contract within 14 days of the date of purchase, without giving any reason, in accordance with Directive 2011/83/EU as implemented in Portuguese law.

However, by requesting immediate access to the Service at the time of purchase, you expressly consent to the commencement of the Service before the expiry of the withdrawal period. If you exercise your right of withdrawal after having used any portion of the Service (i.e., if you have conducted at least one voice session), you will lose the right to a full refund. In such case, you will be charged a pro-rated amount corresponding to the proportion of the Service already used.

If you have not used the Service at all during the 14-day period, you are entitled to a full refund.

7.2 How to Exercise Your Right of Withdrawal

To exercise your right of withdrawal for a website purchase, notify us in writing before the 14-day deadline by:

• Email: support@rumi.coach
• Post: Travessa Velha do Picoto 125, 3700-638 Cesar

A clear statement that you wish to withdraw from your subscription is sufficient. We will confirm receipt of your withdrawal notice without undue delay. Refunds will be processed to your original payment method within 14 days of receiving your valid withdrawal notice.

7.3 Outside the Withdrawal Period

After the 14-day withdrawal period, subscriptions are non-refundable. If you cancel your subscription, you retain access to the Service until the end of your current billing period. No pro-rated refunds are issued for partial billing periods beyond the statutory withdrawal window.

8. Cancellation

How you cancel depends on where you subscribed:

• iOS: Settings → your Apple Account → Subscriptions.
• Android: Google Play → Payments & subscriptions → Subscriptions.
• Website: your account settings under "Manage Subscription," or by contacting us at support@rumi.coach.

Cancellation takes effect at the end of your current billing period. You will retain full access to the Service until that date. We do not charge cancellation fees.

9. Privacy and Data Protection

Your privacy is foundational to rumi.coach. We process your personal data in accordance with our Privacy Policy (rumi.coach/privacy-policy) and applicable law, including GDPR.

Key commitments:

• Ephemeral voice audio: The audio of your voice is processed in memory and deleted at the end of each session. We keep no recordings of your voice sessions.
• Memories: The words spoken in a session are transcribed only for the length of the session and the transcript is not kept. What we do save to your profile are short written notes ("memories") of what matters — your goals, your situation, what you are working on — so that your sessions stay personal instead of starting from nothing. They are yours to erase at any time in Settings → Manage Data, and they are erased when you delete your account.
• Dashboard data: Structured outputs generated during sessions (habits, goals, reflections) are stored on your account and are accessible and deletable by you at any time.
• No data sales: We do not sell your personal data to third parties. We do not use your data for advertising purposes.
• Data subject rights: You may access, rectify, erase, port, or restrict the processing of your personal data at any time by contacting support@rumi.coach or through your account settings.

10. Acceptable Use

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

• Use the Service if you are under 16 years of age.
• Attempt to reverse-engineer, decompile, or extract the underlying AI models, voice systems, or source code of the Service.
• Use the Service to generate, store, or transmit content that is unlawful, harmful, threatening, abusive, harassing, defamatory, or otherwise objectionable.
• Attempt to circumvent session limits, billing systems, or account security measures.
• Share your account credentials or allow third parties to access the Service through your account.
• Use the Service in any manner that could interfere with, disrupt, or impose an undue burden on the Service's infrastructure.

We reserve the right to suspend or terminate your account if you breach any of the above.

11. Intellectual Property

11.1 Our Property

All elements of the Service — including the software, AI models, UI design, atmospheric environments, brand identity, and content — are owned by or licensed to rumi.coach and protected by applicable intellectual property laws. Nothing in these Terms transfers any ownership rights to you.

11.2 Your Licence

Subject to your compliance with these Terms, rumi.coach grants you a limited, non-exclusive, non-transferable, revocable licence to access and use the Service for your personal, non-commercial purposes.

11.3 Your Content

You retain ownership of any personal content you create or input into the Service (e.g., dashboard notes or reflections you choose to save). You grant rumi.coach a limited licence to process and store that content solely to provide the Service to you. We do not use your content to train AI models.

12. Third-Party Services

The Service may integrate with or rely on third-party providers (such as cloud infrastructure providers and AI model providers). Purchases are handled by Apple, Google, and Paddle as described in Section 5.5. Your use of such third-party services may be subject to their own terms and privacy policies. We are not responsible for the practices of third-party providers beyond our contractual obligations with them.

13. Service Availability and Changes

We aim to provide the Service with high availability but do not guarantee uninterrupted or error-free access. We may perform maintenance, updates, or modifications to the Service at any time. Where we make changes that materially affect your use of the Service, we will provide reasonable advance notice by email.

We reserve the right to discontinue the Service or any feature thereof. In the event of discontinuation of the Service as a whole, we will provide at least 30 days' notice and will issue pro-rated refunds for any prepaid subscription periods not yet served.

14. Disclaimer of Warranties

To the maximum extent permitted by applicable law, the Service is provided "as is" and "as available." We make no warranties, express or implied, regarding the Service, including as to fitness for a particular purpose, accuracy, reliability, or suitability for your needs. This does not affect any statutory rights you have as a consumer under Portuguese or EU law that cannot be excluded.

15. Limitation of Liability

To the extent permitted by applicable law:

• rumi.coach shall not be liable for any indirect, incidental, special, or consequential damages arising from your use of the Service.
• Our total liability to you for any claims arising under these Terms shall not exceed the amount you paid to us in the three months preceding the event giving rise to the claim.

Nothing in these Terms limits our liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any other liability that cannot be excluded under Portuguese or EU law.

16. Modifications to These Terms

We may update these Terms from time to time. If we make material changes, we will notify you by email at least 14 days before the changes take effect. Your continued use of the Service after that date constitutes acceptance of the updated Terms. If you do not agree to the changes, you may cancel your subscription before they take effect.

17. Termination

We may suspend or terminate your account immediately and without notice if you materially breach these Terms, if required by law, or to protect the security or integrity of the Service. Upon termination, your right to use the Service ceases immediately. We will handle your data in accordance with our Privacy Policy.

You may terminate your account at any time by cancelling your subscription and contacting us at support@rumi.coach to request account deletion.

18. Governing Law and Dispute Resolution

These Terms are governed by and construed in accordance with the laws of Portugal, without regard to its conflict of law provisions, and subject to applicable EU consumer protection legislation.

Any disputes arising out of or in connection with these Terms shall first be subject to good-faith negotiation. If unresolved, disputes may be submitted to the Centro de Arbitragem de Conflitos de Consumo de Lisboa (CACCL) or another authorised consumer dispute resolution body in Portugal, in accordance with Law 144/2015 of 8 September. You may also use the EU Online Dispute Resolution platform at ec.europa.eu/consumers/odr.

You also have the right to bring proceedings before the competent courts of Portugal, or the courts of your country of residence if you are an EU consumer.

19. Contact

For any questions, support requests, withdrawal notices, or data subject requests, please contact us:

RUMI LABS, LDA
Travessa Velha do Picoto 125, 3700-638 Cesar
Cesar, Portugal

Email: support@rumi.coach
Support: rumi.coach/support