Terms of Service

Version 1.0 Last updated: 12 June 2026

These Terms of Service ("Terms") govern your access to and use of Speudio (the "Service"), available at speudio.com. Please read them carefully. By creating an account, accepting an account invitation, signing in, or using the Service, you agree to these Terms.

Language. These Terms are drafted in English, which is the authoritative version. Swedish

and Greek translations may be provided for convenience; if there is any inconsistency, the

English version prevails.

1. Parties and acceptance

1.1 The Service is provided by SK Creations, a Swedish sole proprietorship (enskild firma) with its registered address at Hagvägen 41, 194 40 Upplands Väsby, Sweden ("we", "us", "our"). Our business registration details are available on request via info@speudio.com.

1.2 The Service is available to both businesses and private individuals (each, the "Customer", "you", "your"). If you use the Service in the course of a business, trade, or profession, you confirm that you have the authority to bind the business on whose behalf you use it. If you use the Service as a consumer (a private individual acting outside a business), nothing in these Terms limits the mandatory consumer-protection rights you have under Swedish or EU law — where any provision of these Terms conflicts with such a mandatory right, the right prevails.

1.3 Account creation. You can create a free account yourself at speudio.com — no payment details are required. Paid plans are currently arranged directly with us (see Section 4); online payment is not yet available. We may also create an account for you on request, in which case you receive an invitation link to set your password. By creating an account, completing account setup, or using the Service, you accept these Terms. If you do not agree to these Terms, do not use the Service and contact us to close the account.

1.4 Consumer right of withdrawal. The Service is free of charge today, so no payment-related withdrawal rights arise. If and when paid subscriptions become available to consumers online, EU/Swedish distance-contract withdrawal rights (14 days) will apply and these Terms will be updated accordingly before any purchase can be made.

2. The Service

2.1 Speudio is a read-only inbox-to-CRM service: it connects to a mailbox you designate (via IMAP or OAuth with read-only access), imports emails and attachments, builds contact profiles ("customer memory") from that material, and provides AI-assisted features over that data (such as summaries, contact information extraction, and question answering).

2.2 Read-only commitment. The Service never modifies, deletes, moves, or sends email from your connected mailbox. Connections are established with read-only scope, and all imported content is a copy held in your Speudio account; your mailbox remains untouched and fully under the control of you and your mail provider.

2.3 Your mail provider (for example Google, Microsoft, or another provider) is your own service under your own agreement with that provider. We are not a party to that agreement, and you are responsible for ensuring that connecting your mailbox to the Service is permitted under it.

2.4 We may improve, adjust, or extend the Service over time. Material changes that affect your use of the Service are handled as described in Section 12.

3. Accounts and security

3.1 You must provide accurate and current information for your account (including a working login email address) and keep it up to date.

3.2 You are responsible for keeping your login credentials and account recovery codes confidential and for all activity that occurs under your account. Passwords are stored by us only in hashed form; we cannot recover a lost password, only reset it.

3.3 You must notify us promptly at info@speudio.com if you suspect unauthorised access to your account or any other security incident affecting the Service.

3.4 Accounts are personal to the Customer and may not be shared with, sold, or transferred to any third party without our prior written consent.

4. Plans, fees, and changes

4.1 The Service is offered in the following plans: Free, Solo, Pro, and Business. Plan assignment and plan changes are managed by us as part of our agreement with you; there is no self-service plan switching at this stage.

4.2 Each plan includes defined limits — for example on the number of connected mailboxes, retained email history (the Free plan retains a rolling window of the 2,000 most recent emails), and AI usage (see Section 5.3). Current plan limits are shown in the Service and/or communicated to you when your account is set up or your plan changes.

4.3 Billing. There is no online payment in the Service today. Fees for paid plans are agreed directly between you and us (admin-managed billing); the applicable fees, billing period, and payment terms are those agreed with you in writing (including by email). When online payment is introduced, the relevant payment-provider terms will be added to these Terms in a new version, with notice as described in Section 12.

4.4 We may change plan prices or plan limits with reasonable advance notice. Price changes take effect at the start of your next billing period after the notice; they never apply retroactively. If you do not accept a price change, you may terminate as described in Section 11.

5. Acceptable use

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

• use the Service to process content that is unlawful for you to hold or process, or in a way that infringes the rights of others (including data-protection, confidentiality, and intellectual-property rights);
• attempt to gain unauthorised access to the Service, other customers' data, or our infrastructure, or probe, scan, or test the vulnerability of the Service without our prior written permission;
• interfere with or disrupt the integrity or performance of the Service;
• circumvent, or attempt to circumvent, plan limits, usage caps, or security measures;
• resell, sublicense, or provide the Service to third parties as a service bureau without our prior written consent; or
• use the Service to build a competing product, or scrape or bulk-extract the Service other than through the data-export feature provided in-app.

5.2 Connected mailbox. You warrant that you are authorised to connect the mailbox you designate and to have its contents processed by the Service, and that doing so complies with applicable law and any agreements binding on you (including your obligations as a data controller — see Section 6).

5.3 AI fair use. AI-assisted features are subject to per-plan fair-use caps (including usage and budget limits per billing period). The caps applicable to your plan are shown in the Service and/or communicated to you (see Section 4.2). When a cap is reached, the relevant AI features pause until the next period or a plan change; the rest of the Service remains available. We may take reasonable measures against abusive or anomalous AI usage that threatens the integrity or economics of the Service.

5.4 If your use of the Service breaches this Section 5, we may suspend or terminate your access as described in Section 11.

6. Customer data and privacy

6.1 Your data is yours. As between you and us, you retain all rights, title, and interest in the content you import into the Service (emails, attachments, and metadata from your connected mailbox) and the data derived from it within your account (contact profiles, notes, AI-derived material) (together, "Customer Data"). We claim no ownership of Customer Data.

6.2 You grant us the limited right to host, copy, process, and display Customer Data solely as necessary to provide, secure, and support the Service for you, consistent with these Terms, the Privacy Policy, and the Data Processing Agreement.

6.3 Roles under data-protection law. For Customer Data — which typically contains personal data relating to your own contacts and customers — you are the controller and we are your processor under Article 28 GDPR. That processing is governed by our Data Processing Agreement (DPA), which forms part of these Terms. For the data we hold about you as our customer (login email, name, plan, usage, and security records), we are the controller, as described in our Privacy Policy.

6.4 You are responsible for the lawfulness of the Customer Data you import and of your instruction to process it — including having an appropriate lawful basis and providing any required information to the individuals whose data appears in your mailbox.

6.5 Self-service data export (full JSON) and account deletion (immediate, hard delete) are available in the Service at Settings → Privacy, as described in the Privacy Policy.

6.6 We never sell personal data, we never send marketing email to your contacts, we do not use Customer Data to train AI models, and humans do not read your email content in the ordinary course of providing the Service (AI features process it programmatically). Details, including the list of sub-processors, are set out in the Privacy Policy and the DPA.

6.7 Supervisory authority. Our competent data-protection supervisory authority is the Swedish Authority for Privacy Protection, IMY (Integritetsskyddsmyndigheten, imy.se). The Privacy Policy describes data-subject rights in detail, including the right to lodge a complaint with IMY or your local EU supervisory authority.

7. AI features disclaimer

7.1 The Service includes AI-assisted features (such as summaries, extracted contact details, captions, and answers to questions about your data). AI output is generated automatically and may be incomplete, outdated, or incorrect, including in ways that are not obvious.

7.2 AI output is provided to assist you; it is not professional advice (legal, financial, tax, medical, or otherwise) and is not a substitute for your own judgment. You must verify AI output against the underlying source material before relying on it. Where the Service links AI answers to underlying emails, contacts, or attachments, those links are generated automatically as a verification aid; they may themselves be incorrect and do not replace your own review of the source material.

7.3 AI features do not make automated decisions with legal or similarly significant effect about any individual; they only assist you, and any decision based on them is yours.

8. Intellectual property

8.1 The Service — including its software, design, user interface, documentation, and all related intellectual-property rights — is and remains our property (or that of our licensors). These Terms grant you a limited, non-exclusive, non-transferable right to use the Service for your own internal purposes during the term of your account, and no other rights.

8.2 Customer Data remains yours, as set out in Section 6.1. Feedback or suggestions you choose to give us about the Service may be used by us to improve the Service without obligation to you.

8.3 You may not copy, modify, reverse-engineer, or create derivative works of the Service except to the extent such restriction is prohibited by mandatory law.

9. Availability and support

9.1 We provide the Service with reasonable skill and care and use commercially reasonable efforts to keep it available. However, the Service is provided without an uptime service-level agreement (SLA) at this stage, and we do not guarantee uninterrupted or error-free operation. Planned maintenance and unplanned incidents may temporarily affect availability.

9.2 Support is provided in a reasonable-efforts manner via info@speudio.com. We do not commit to specific response times at this stage.

9.3 Except as expressly stated in these Terms, the Service is provided "as is" and "as available", and we disclaim all other warranties to the fullest extent permitted by applicable law. Nothing in this Section limits Section 10.3.

10. Liability

10.1 Cap. To the maximum extent permitted by applicable law, our total aggregate liability to you arising out of or in connection with the Service and these Terms — whether in contract, tort (including negligence), or otherwise — is limited to the total fees you paid to us for the Service in the twelve (12) months immediately preceding the event giving rise to the claim. If you are on the Free plan and have paid no fees in that period, our liability is correspondingly limited to zero, except as provided in Section 10.3.

10.2 Excluded damages. To the maximum extent permitted by applicable law, neither party is liable for indirect or consequential damages, loss of profits, loss of revenue, loss of business, loss of goodwill, or loss of data (other than our obligations regarding Customer Data under the DPA), even if advised of the possibility of such damages.

10.3 No exclusion where prohibited. Nothing in these Terms excludes or limits either party's liability for death or personal injury caused by negligence, for fraud or fraudulent misrepresentation, for damage caused by intent or gross negligence, or for any other liability that cannot be excluded or limited under Swedish law.

10.4 Your responsibilities. You are responsible for the consequences of decisions you make in reliance on the Service, including AI output (see Section 7), and for your own compliance with laws applicable to your business and your Customer Data (see Sections 5 and 6).

11. Term and termination

11.1 These Terms apply from the moment you first accept them (Section 1.3) and remain in force for as long as you have an account.

11.2 Termination by you. You may stop using the Service and delete your account at any time via Settings → Privacy → Delete account. Deletion is immediate and irreversible: your account and all Customer Data are hard-deleted as described in the Privacy Policy (completed at most within 24 hours), and any imported copies of attachments are removed. We recommend using the data-export feature first. Fees already paid for the current billing period are non-refundable unless we agree otherwise or mandatory law requires a refund.

11.3 Suspension and termination by us. We may suspend or terminate your access to the Service if (a) you materially breach these Terms (including Section 5), (b) agreed fees remain unpaid after a reminder, or (c) we are required to do so by law. Where reasonable, we will give you prior notice and an opportunity to remedy the issue before suspending or terminating; in cases of serious abuse, security risk, or legal compulsion we may act immediately and notify you afterwards.

11.4 Effect of termination. Upon termination of your account for any reason, your right to use the Service ends and your account data and Customer Data are deleted in accordance with the Privacy Policy. Sections that by their nature should survive termination (including Sections 6.1, 8, 10, and 13) survive.

12. Changes to these Terms

12.1 We may update these Terms from time to time — for example to reflect new features, the introduction of online payment (Section 4.3), legal requirements, or operational changes.

12.2 For material changes, we will give you reasonable advance notice (for example by email to your account address or a prominent notice in the Service) before the changes take effect. If you do not accept a material change, you may terminate as described in Section 11.2 before it takes effect. Continued use of the Service after the effective date constitutes acceptance.

12.3 Each version of these Terms is identified by a version number and "last updated" date at the top of this document.

13. Governing law, venue, and miscellaneous

13.1 Governing law. These Terms, and any dispute or claim arising out of or in connection with them or the Service, are governed by the substantive laws of Sweden, without regard to its conflict-of-law rules.

13.2 Venue. The courts of Sweden have exclusive jurisdiction over any such dispute or claim, with the district court (tingsrätt) competent for our registered address as the court of first instance, unless mandatory law provides otherwise.

13.3 English version prevails. These Terms are authoritative in English; translations are for convenience only (see the language note at the top of this document).

13.4 Entire agreement. These Terms, together with the Privacy Policy, the Data Processing Agreement, and any written plan/fee agreement between you and us, constitute the entire agreement between the parties regarding the Service and supersede prior discussions on the same subject.

13.5 Severability. If any provision of these Terms is held invalid or unenforceable, the remaining provisions remain in full force, and the invalid provision is replaced by a valid one that comes closest to its commercial intent.

13.6 No waiver. A failure to enforce a provision of these Terms is not a waiver of the right to enforce it later.

13.7 Assignment. You may not assign these Terms without our prior written consent. We may assign these Terms in connection with a transfer of the business operating the Service, subject to notice to you.

Contact

SK Creations (sole proprietorship — enskild firma) Hagvägen 41 194 40 Upplands Väsby Sweden

Email: info@speudio.com

Business registration details are available on request.