Belo AI

Terms of Service

Last updated: February 09th, 2026

Contents
  1. 1. Our Services
  2. 2. Contracting Entity; Scope
  3. 3. Eligibility and Authority
  4. 4. Accounts, Credentials, and Security
  5. 5. Services; Changes; Availability
  6. 6. AI Service Disclosures and Use-at-Your-Own-Risk
  7. 7. Customer Content: Inputs, Outputs, Ownership, and License
  8. 8. Model Training, Product Improvement, and Data Controls
  9. 9. Acceptable Use and Prohibited Conduct
  10. 10. API and Developer Terms
  11. 11. Third-Party Services, Providers, and Data Sources
  12. 12. Fees, Billing, Renewals, Taxes, and Refunds
  13. 13. Trials, Betas, and Pre-Release Features
  14. 14. Intellectual Property Rights
  15. 15. Feedback
  16. 16. Confidentiality
  17. 17. Data Protection and International Compliance Framework
  18. 18. Sanctions, Export Controls, Anti-Corruption, AML/CTF
  19. 19. Suspension and Enforcement
  20. 20. Term, Suspension, Termination, Service Changes, and Data Handling After Termination
  21. 21. Warranties Disclaimer
  22. 22. Limitation of Liability
  23. 23. Indemnification
  24. 24. Governing Law and Dispute Resolution
  25. 25. Changes to Terms
  26. 26. Notices and Communications
  27. 27. Assignment
  28. 28. Force Majeure
  29. 29. Severability; Waiver; Entire Agreement
  30. 30. Language; Interpretation
  31. 31. Contact

These Terms of Service ("Terms") form a legally binding agreement between you and Belo AI regarding your access to and use of Belo AI's websites, applications, APIs, tools, features, and related services (collectively, the "Services").

BY CLICKING "I AGREE" (OR ANY SIMILAR BUTTON OR CHECKBOX), CREATING AN ACCOUNT, ACCESSING OR USING THE WEBSITE, APPLICATIONS, APIS, OR ANY RELATED SERVICES PROVIDED BY BELO AI (COLLECTIVELY, THE "SERVICES"), YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTAND, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE, WHETHER OR NOT YOU HAVE CREATED AN ACCOUNT.

IF YOU DO NOT AGREE TO THESE TERMS OF SERVICE, YOU MUST NOT ACCESS OR USE THE SERVICES.

These Terms of Service become effective on the earlier of: (a) the date you first click "I Agree" (or a similar button or checkbox), or (b) the date you first access or use the Services.

If you accept these Terms of Service on behalf of a company, organization, or other legal entity, you represent and warrant that: (i) you have full legal authority to bind that entity to these Terms of Service; (ii) you have read and understand these Terms of Service; and (iii) you accept these Terms of Service on behalf of that entity. In that case, "you" and "your" refer to that entity.

Any personal data you submit to Belo AI, or that Belo AI collects in connection with the Services, is governed by Belo AI's Privacy Policy. By using the Services, you acknowledge that you have reviewed the Privacy Policy. If you and Belo AI enter into a Data Processing Addendum or other data processing agreement (each, a "DPA"), then, to the extent Belo AI processes Customer Personal Data (or equivalent term) on your behalf, the DPA will apply and is incorporated by reference into these Terms of Service. The Privacy Policy and any applicable DPA form part of, and are incorporated into, this Agreement.

PLEASE NOTE: THESE TERMS INCLUDE BINDING ARBITRATION AND CLASS/COLLECTIVE ACTION WAIVER PROVISIONS FOR CERTAIN DISPUTES (ESPECIALLY B2B), SUBJECT TO NON-WAIVABLE RIGHTS UNDER APPLICABLE CONSUMER LAW.

1. Our Services

Belo AI provides an AI-powered data analysis platform designed to help users move from data collection to insight generation with speed, traceability, and reproducibility. Through Belo AI, users may interact with one or more assistants and tools to research, process, analyze, and interpret data using natural-language prompts and computational workflows.

Depending on the selected assistant, plan, and feature availability, the Services may allow users to:

Belo AI may also provide multi-model and web-enabled research capabilities in certain assistants, including information retrieval and cross-checking workflows, subject to feature availability and applicable usage limits.

The Services are continuously evolving. We may add, modify, limit, or discontinue features, assistants, integrations, model providers, and technical capabilities at any time, including limits related to file size, storage, retention, computation, export formats, and third-party integrations.

While Belo AI is designed to improve analytical speed and reliability, outputs are machine-generated and may contain errors, omissions, or outdated information. You remain solely responsible for independently reviewing and validating outputs before relying on them for legal, financial, commercial, operational, medical, or other high-impact decisions.

2. Contracting Entity; Scope

2.1 Contracting party. The Services are provided by Belo Inteligência Artificial Ltda, with registered office at Rua da Consolação, 2302, São Paulo/SP – CEP 01302-011 ("Belo AI," "we," "us," or "our").

2.2 Scope. These Terms apply to website visitors, individual/team/enterprise accounts, API users, and any person/entity using the Services.

2.3 Related documents. These Terms incorporate by reference, where applicable, the Privacy Policy, DPA, API/Developer Documentation, Order Form/Enterprise Agreement, Acceptable Use Policy, and product-specific supplemental terms.

2.4 Order of precedence. If conflict exists: Order Form/Enterprise Agreement > DPA > product-specific terms > these Terms.

3. Eligibility and Authority

3.1 You must be legally capable of entering contracts in your jurisdiction.

3.2 You may not use the Services if prohibited under applicable law, including sanctions/export restrictions.

3.3 You represent that all information provided is accurate, complete, and current.

4. Accounts, Credentials, and Security

4.1 Access to certain features requires an account.

4.2 You are responsible for safeguarding credentials, API keys, tokens, and all account activity.

4.3 You must promptly notify Belo AI at belo@belo.ai regarding unauthorized access or compromise.

4.4 We may require MFA, key rotation, and additional controls as reasonably necessary.

5. Services; Changes; Availability

5.1 We may modify, suspend, or discontinue Services (including model/provider/integration changes) at any time.

5.2 We do not guarantee uninterrupted or error-free operation.

5.3 Availability may be affected by maintenance, third-party outages, dependency failures, and force majeure events.

6. AI Service Disclosures and Use-at-Your-Own-Risk

6.1 Outputs are probabilistic and may be inaccurate, incomplete, biased, or unsuitable.

6.2 Output similarity with content generated for other users may occur.

6.3 You are solely responsible for validating outputs before use, reliance, or publication.

6.4 Services do not constitute legal, tax, accounting, medical, investment, or regulated professional advice.

6.5 You must apply human oversight proportional to use-case risk.

6.6 User must not use output as sole basis for regulated/high-impact decisions without qualified human review.

7. Customer Content: Inputs, Outputs, Ownership, and License

7.1 Definitions. "Input" = submitted content; "Output" = generated content; "Customer Content" = both.

7.2 Ownership. You retain Input ownership; as between you and Belo AI, and to the extent permitted by law, you own Output generated for you.

7.3 License to Belo AI. You grant Belo AI a worldwide, non-exclusive, royalty-free license to process Customer Content solely to provide, secure, maintain, and improve Services, prevent abuse/fraud, comply with law, and enforce Terms.

7.4 Responsibility. You represent you have all rights, permissions, and legal bases necessary for submitted content and processing.

8. Model Training, Product Improvement, and Data Controls

8.1 Unless stated otherwise in product controls or enterprise terms, Belo AI may use de-identified/aggregated/transformed telemetry and service signals to improve safety and performance.

8.2 If your plan includes no-training/data-isolation controls, those controls govern according to product and contract settings.

8.3 Nothing here limits statutory rights under applicable privacy laws.

9. Acceptable Use and Prohibited Conduct

You must not use the Services to violate law or third-party rights, distribute malware/fraud/phishing tools, bypass safeguards, reverse-engineer confidential internals, build competing foundation models through prohibited extraction/distillation, or perform unlawful high-impact automated decisions without required safeguards.

You represent and warrant that:

(i) you are at least 18 years old, or the age of legal majority in your jurisdiction of residence, and otherwise legally capable of entering into binding contracts;

(ii) you have full right, power, and authority to enter into and perform this Agreement; and
(iii) you will comply with this Agreement, the Privacy Policy, applicable law, and good-faith standards in your use of the Services.

If you accept this Agreement on behalf of a company, organization, or other legal entity, you represent and warrant that you are duly authorized to bind such entity, and references to "you" include that entity.

You further represent and warrant that you have read, understood, and agreed to these Terms of Service and the Privacy Policy as a condition to accessing and using the Services.

Without limiting any other restriction in this Agreement, you agree that you will not, and will not permit or enable any third party to:

  1. copy, reproduce, distribute, publicly display, or disclose any part of the Services except as expressly permitted by these Terms;

  2. use robots, spiders, scrapers, crawlers, offline readers, or other automated means to access the Services, except through expressly authorized features and documented API use;

  3. transmit spam, chain communications, or unsolicited messages, or engage in phishing, pharming, pretexting, or similar deceptive practices;

  4. interfere with, disrupt, compromise, or test the vulnerability of system integrity, security, or performance of the Services;

  5. violate any applicable international, national, federal, state, provincial, or local law, regulation, rule, sanction, or ordinance;

  6. use the Services for unlawful, fraudulent, deceptive, or abusive purposes, or solicit others to perform unlawful acts;

  7. upload or transmit invalid data, malicious code, viruses, worms, trojans, or harmful software agents;

  8. infringe or misappropriate Belo AI's intellectual property rights or those of any third party;

  9. impersonate any person or entity, misrepresent affiliation, or conceal identity for fraudulent or unlawful purposes;

  10. harass, threaten, intimidate, stalk, defame, abuse, or otherwise violate the legal rights of users, third parties, or Belo AI personnel;

  11. upload, submit, or process content through the Services in violation of privacy, confidentiality, publicity, data protection, or other legal rights;

  12. decipher, decompile, disassemble, reverse engineer, or otherwise attempt to derive source code, models, prompts, weights, or non-public components of the Services, except where expressly permitted by mandatory law;

  13. bypass or circumvent access restrictions, security mechanisms, usage limits, safety controls, or protective measures of the Services;

  14. access unauthorized accounts, systems, or data, including attempts to collect, harvest, or track personal information of others without legal basis;

  15. share, lease, sublicense, sell, or otherwise provide unauthorized access to your account credentials or API keys;

  16. use the Services in any manner that infringes, harms, or unlawfully exploits the rights of any third party; or

  17. encourage, assist, or enable any person to engage in any of the foregoing activities.

You also represent and warrant that you will promptly disclose to Belo AI in writing any legally relevant conflict, restriction, or circumstance that could materially affect lawful use of the Services under this Agreement.

We may investigate and enforce, including removing content, suspending/terminating access, and cooperating with lawful requests.

10. API and Developer Terms

10.1 API usage requires valid credentials and compliance with documentation and limits.

10.2 You must implement standard security controls (secure storage, least privilege, logging, key rotation).

10.3 No unauthorized resale, sublicense, or passthrough API services.

10.4 Belo AI may impose/adjust technical limits and fair-use controls.

10.5 You remain responsible for your application and legal compliance.

11. Third-Party Services, Providers, and Data Sources

The Services may contain links, references, or embedded access points to third-party websites, datasets, tools, APIs, content, advertisements, and services ("Third-Party Services"). Such links or references are provided for convenience only and do not imply endorsement, sponsorship, affiliation, partnership, or recommendation by Belo AI.

Belo AI does not own or control Third-Party Services and is not responsible for their availability, accuracy, legality, security, performance, content, advertising, products, services, or data-processing practices. Your access to and use of Third-Party Services is at your own risk and is governed solely by the applicable third-party terms and privacy policies.

You acknowledge and agree that Belo AI is not responsible or liable for any loss, damage, claim, or liability arising out of or related to:

  1. your access to or use of any Third-Party Services;

  2. any third-party content, data, or materials;

  3. any interruption, suspension, or termination of third-party integrations; or

  4. any acts or omissions of third-party providers.

Belo AI has no obligation to monitor, review, validate, or remove Third-Party Services, but may block, limit, or remove access to any Third-Party Services at any time, at its discretion, including for legal, security, operational, or compliance reasons.

11.1 Connected Accounts and Third-Party Credentials

Where available, you may connect your Belo AI account to third-party accounts, data sources, or service providers (each, a "Connected Account") by:

(a) authenticating through Belo AI's supported integration flow (e.g., OAuth or token-based authorization); or

(b) otherwise granting Belo AI permission to access designated third-party resources.

You represent and warrant that:

By enabling a Connected Account, you instruct Belo AI to access, retrieve, process, store, and display permitted third-party data and content solely to provide and improve the Services as described in these Terms, the Privacy Policy, and any applicable DPA.

Depending on configuration and permissions, data obtained from Connected Accounts may be imported into your workspace and treated as User Content under these Terms. You remain solely responsible for ensuring the legality, accuracy, and rights clearance of such data.

If a third-party integration becomes unavailable, changes its API, revokes permissions, or terminates Belo AI's access, corresponding features/content may become unavailable without liability to Belo AI.

You may disconnect Connected Accounts at any time using available account settings (where supported). Disconnection may not retroactively delete previously imported data; deletion/retention will follow Belo AI's retention rules, your instructions (where applicable), and legal obligations.

11.2 Third-Party Privacy and Data Protection

Your relationship with third-party providers is governed solely by your agreements with them. Belo AI does not control and is not responsible for third-party privacy/security practices.

Where personal data is processed through Third-Party Services or Connected Accounts, processing is subject to applicable Data Protection Laws (including LGPD, GDPR, UK GDPR, and CCPA/CPRA, where applicable), and to Belo AI's role as controller/business or processor/service provider/contractor, as applicable under contract and law.

11.3 FRED API Notice

Certain Belo AI functionalities may use data made available through the FRED® API. In such cases, the following notice applies:

"This product uses the FRED® API but is not endorsed or certified by the Federal Reserve Bank of St. Louis."

12. Fees, Billing, Renewals, Taxes, and Refunds

12.1 Paid plans are billed per pricing page, order form, or invoice.

12.2 Subscriptions auto-renew unless canceled before renewal.

12.3 You authorize charging of fees/taxes through approved processors.

12.4 Fees are generally non-refundable unless required by law or stated otherwise.

12.5 Overdue amounts may lead to suspension and collection measures where lawful.

12.6 You are responsible for applicable indirect taxes (excluding Belo AI net income taxes).

12.7 Price Changes.

Belo AI may update or revise subscription fees, usage-based rates, overage charges, feature-tier pricing, or billing structures at any time, subject to this Section. Any price change will apply prospectively only and will not affect fees already paid for the then-current prepaid billing period.

For recurring subscriptions, Belo AI will provide prior notice of material pricing changes (including by email, in-product notice, account dashboard notice, or other reasonable electronic means) at least 30 days before such changes take effect, unless a different notice period is required by applicable law. Unless otherwise stated in the notice, revised prices will apply starting on your next renewal date following the effective date of the change.

If you do not agree to the revised pricing, your sole remedy is to cancel your subscription before the new pricing becomes effective. Continued use of the Services after the effective date of the price change constitutes acceptance of the revised pricing to the extent permitted by applicable law.

Nothing in this Section limits Belo AI's right to:
(i) pass through or separately charge applicable taxes, duties, currency conversion costs, payment processing charges, or government-imposed fees;

(ii) charge for usage exceeding plan limits, including overages and add-ons;

(iii) introduce, discontinue, or repackage plans, features, promotions, credits, or discounts at its discretion; or

(iv) apply immediate changes where required by law, regulatory action, or urgent security/compliance needs, with notice provided as soon as reasonably practicable.

Any promotional pricing, credits, or discounts are temporary, personal to the eligible account, non-transferable, may be conditioned on eligibility criteria, and may be modified, suspended, or discontinued at renewal unless expressly guaranteed in an Order Form or Enterprise Agreement.

13. Trials, Betas, and Pre-Release Features

Beta/preview/experimental features are provided "as is," may change/discontinue at any time, and should not be used for production-critical or high-risk workflows.

14. Intellectual Property Rights

14.1 Ownership of the Services

As between you and Belo AI, Belo AI and its licensors exclusively own and retain all right, title, and interest (including all intellectual property and proprietary rights) in and to the Services, including, without limitation: software, source code, object code, APIs, SDKs, models, model architecture, prompts/system instructions, workflows, methods, user interfaces, audiovisual elements, templates, documentation, know-how, trade secrets, trademarks, service marks, logos, domain names, and all related improvements, updates, modifications, and derivative works (collectively, "Belo AI IP").

No ownership rights are transferred to you under these Terms.

14.2 Limited License to You

Subject to your ongoing compliance with these Terms and payment obligations (if applicable), Belo AI grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Services solely for your internal lawful purposes and strictly in accordance with these Terms, documentation, and applicable plan limits.

All rights not expressly granted are reserved by Belo AI.

14.3 Restrictions

Except to the extent such restriction is prohibited by mandatory law, you shall not, and shall not permit any third party to:

  1. copy, reproduce, modify, adapt, translate, distribute, sell, lease, sublicense, assign, publish, or otherwise exploit the Services or Belo AI IP, in whole or in part, other than as expressly authorized;

  2. reverse engineer, decompile, disassemble, decode, attempt to derive source code, model parameters/weights, embeddings, hidden prompts/instructions, safety systems, or non-public components of the Services;

  3. remove, alter, or obscure proprietary notices, trademarks, watermarks, attribution, or technical provenance signals;

  4. use the Services or Output to build, train, fine-tune, or improve competing foundation models, model families, or substantially similar AI products through extraction, scraping, distillation, synthetic-data bootstrapping, or other prohibited means;

  5. access or use the Services to create a competing benchmark dataset, model evaluation corpus, or service-replication mechanism intended to substitute the Services;

  6. use Belo AI trademarks, trade dress, product names, logos, or branding assets without prior written permission, except as expressly allowed by brand guidelines;

  7. bypass technical or contractual usage restrictions, including rate limits, seat limits, API restrictions, feature gating, or geo/compliance controls.

14.4 Customer Content and Output Clarification

Customer Content ownership and licensing are governed by Section 7. Nothing in this Section 14 transfers ownership of Belo AI IP to you.

For clarity: the Services, underlying models, and all platform components remain Belo AI IP even where Outputs are generated for you.

14.5 Aggregated and De-Identified Data

To the maximum extent permitted by law, Belo AI may create and use aggregated, statistical, and de-identified data derived from use of the Services for legitimate business purposes, including security, analytics, model safety, product improvement, and operational benchmarking, provided such data does not identify you or any individual as required by applicable law.

14.6 Open-Source and Third-Party Components

The Services may include or interoperate with third-party software, open-source components, data providers, or external APIs, each subject to their own terms and licenses. Nothing in these Terms limits obligations imposed by applicable third-party licenses.
Required third-party attributions (including data-source notices) may be provided in-product, in documentation, or in legal notices.

14.7 Trademark and Publicity

Except with Belo AI's prior written consent, you may not use Belo AI's name, marks, logos, or references in publicity, press releases, marketing materials, customer lists, or comparative statements implying endorsement, partnership, certification, or affiliation.

14.8 Infringement Claims and Enforcement

If you believe content on the Services infringes your intellectual property rights, you may submit a notice to belo@belo.ai with sufficient detail to permit investigation (identity, rights asserted, allegedly infringing material, location/URL, and good-faith statement).
Belo AI may remove or restrict access to allegedly infringing material and may suspend repeat infringers, as appropriate and where legally permitted.

Belo AI reserves all rights to investigate violations of this Section and to pursue any remedies available at law or equity, including injunctive relief.

14.9 No Implied Rights

No rights or licenses are granted by implication, estoppel, or otherwise, beyond those expressly set forth in these Terms.

14.10 Survival

This Section 14 survives termination or expiration of these Terms.

15. Feedback

If you provide ideas, feedback, or suggestions regarding the Services ("Feedback"), you grant Belo AI a perpetual, irrevocable, worldwide, sublicensable, transferable, royalty-free license to use, reproduce, modify, distribute, commercialize, and otherwise exploit such Feedback without restriction or compensation, and without creating any fiduciary, confidentiality, or attribution obligation (unless expressly agreed in writing).

16. Confidentiality

Each party shall protect non-public confidential information with reasonable care and use it only for purposes related to Services and these Terms, subject to standard exclusions (public, independent development, lawful third-party receipt, legal compulsion).

17. Data Protection and International Compliance Framework

17.1 Roles and Responsibilities. Depending on context, parties may act as independent controllers/businesses, or as controller-processor / business-service provider-contractor.

17.2 Brazil (LGPD). For processing under Brazilian law, parties shall comply with Law No. 13,709/2018 (LGPD), including legal bases, transparency, data-subject rights, security obligations, and ANPD-aligned governance requirements.

17.3 EEA (GDPR). For EEA processing, parties shall comply with GDPR requirements, including lawful basis, data minimization, purpose limitation, and appropriate safeguards for international transfers.

17.4 UK (UK GDPR / Data Protection Act 2018). For UK-restricted transfers, parties shall apply suitable transfer mechanisms (e.g., UK Addendum/IDTA where applicable) and implement risk-based measures aligned with ICO expectations.

17.5 California (CCPA/CPRA). Where CCPA/CPRA applies, parties shall support consumer rights workflows and contractual restrictions required for business/service provider/contractor relationships.

17.6 Security Measures. Belo AI maintains commercially reasonable technical and organizational security measures proportionate to processing risk.

17.7 Requests and Assistance. Each party handles requests it is legally obligated to answer. Where Belo AI acts as processor/service provider/contractor, Belo AI provides reasonable assistance as required by law and contract.

17.8 International Transfers. You acknowledge data may be processed across jurisdictions where Belo AI and subprocessors operate, subject to lawful transfer mechanisms.

17.9 DPA and Supplemental Terms. Where legally required, parties may execute a DPA and supplemental clauses (including SCC modules and UK transfer addenda where applicable).

17.10 Sensitive/Regulated Data. Unless expressly agreed in writing, do not submit sensitive/special-category or heavily regulated data in ways that impose unagreed obligations on Belo AI.

18. Sanctions, Export Controls, Anti-Corruption, AML/CTF

You represent your use complies with applicable sanctions, export/re-export controls, anti-bribery and anti-corruption laws, and AML/CTF requirements.

19. Suspension and Enforcement

Belo AI may suspend/restrict access immediately for legal/security/payment risks or material breaches. Where feasible, notice and cure opportunity will be provided.

20. Term, Suspension, Termination, Service Changes, and Data Handling After Termination

Unless otherwise agreed in a signed written agreement (including an Order Form or Enterprise Master Agreement), either party may terminate this Agreement for convenience at any time.

You may terminate your use of the Services at any time by discontinuing use and, where available, deleting your account through in-product settings, or by sending written notice to belo@belo.ai. Account closure requests may require reasonable verification steps for security purposes.

Upon account cancellation or termination, your right to access and use the Services will cease, subject to any limited post-termination access expressly required by applicable law. You may lose access to your account, workspace, profile, and content associated with the Services.

Belo AI may refuse service, suspend, restrict, or terminate access (in whole or in part), with or without prior notice where legally permitted, if Belo AI reasonably determines that:
(i) you breached this Agreement, applicable law, or third-party rights;

(ii) your use presents security, fraud, abuse, sanctions, export-control, AML/CTF, or legal risk;

(iii) payment obligations are overdue;

(iv) continuation of service may harm the Services, other users, or Belo AI's legitimate business interests; or

(v) suspension/termination is required for compliance, legal process, or risk mitigation.

Where practicable and legally permitted, Belo AI will provide notice and, where appropriate, an opportunity to cure before termination becomes permanent.

If your account is suspended or terminated for cause, you may not circumvent enforcement by creating new accounts directly or indirectly (including using false identities or unauthorized third-party identities).

Belo AI may modify, replace, limit, or discontinue any part of the Services (temporarily or permanently), including features, integrations, APIs, storage, usage limits, model access, and plan entitlements, at its discretion and subject to applicable law. To the maximum extent permitted by law, Belo AI will not be liable for such product or service changes.

Following cancellation or termination, Belo AI may delete or anonymize account data, User Content, and AI-generated content in the ordinary course of operations and according to its retention schedule, backup cycles, contractual obligations, and legal requirements. Once permanently deleted, data may not be recoverable.

Notwithstanding the foregoing, Belo AI may retain data where required or permitted by law, including for:

Belo AI may remove, restrict, or delete User Content and/or AI-generated content, with or without prior notice where legally permitted, if Belo AI reasonably believes such content:
(i) violates this Agreement, applicable law, or third-party rights (including intellectual property, privacy, personality, confidentiality, or data protection rights);

(ii) creates material security, legal, or regulatory risk; or

(iii) is subject to a valid legal request, court order, or regulatory requirement.

Where deletion or restriction requests involve personal data, Belo AI will process them in accordance with applicable Data Protection Laws and its role (controller/business or processor/service provider/contractor), including response and retention limitations under law.

For purposes of this Section, "Data Protection Laws" include, as applicable:

Any provisions that by their nature should survive termination will survive, including without limitation provisions relating to intellectual property, payment obligations accrued prior to termination, disclaimers, limitations of liability, indemnification, dispute resolution, audit/compliance rights, and data protection commitments that continue by law or contract.

21. Warranties Disclaimer

TO THE MAXIMUM EXTENT PERMITTED BY LAW, SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, NON-INFRINGEMENT, ACCURACY, OR RELIABILITY.

22. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, BELO AI SHALL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OR BUSINESS INTERRUPTION.

BELO AI'S TOTAL AGGREGATE LIABILITY SHALL NOT EXCEED THE GREATER OF (A) AMOUNTS PAID BY YOU IN THE 12 MONTHS PRECEDING THE EVENT OR (B) USD 100 (OR LOCAL CURRENCY EQUIVALENT) FOR FREE-TIER USERS.

Nothing in these Terms excludes non-excludable liability under mandatory law.

23. Indemnification

You shall defend, indemnify, and hold harmless Belo AI and affiliates from third-party claims and losses arising from your content, use, breach, or legal violations.

24. Governing Law and Dispute Resolution

24.1 Contracting Structure and Applicable Regime

These dispute resolution provisions include binding arbitration and class/collective action waiver mechanisms for certain disputes, primarily in B2B contexts, and apply only to the extent permitted by applicable law. Non-waivable consumer rights remain unaffected.

For legal certainty and enforceability, disputes shall be resolved under different tracks depending on user profile and mandatory law:

Nothing in this Section limits non-waivable rights granted by mandatory applicable law.

24.2 Governing Law (B2B)

Except where otherwise required by mandatory law or expressly agreed in a signed enterprise contract, this Agreement and any non-contractual obligations arising out of or in connection with it shall be governed by the laws of the Federative Republic of Brazil, excluding conflict-of-law rules.

24.3 Governing Law (B2C)

If you are a consumer, governing law provisions apply only to the extent permitted by mandatory consumer law in your place of habitual residence. Any non-waivable consumer rights remain fully preserved.

24.4 Mandatory Negotiation and Escalation

Before initiating arbitration or court proceedings (except for urgent relief), the Parties shall attempt in good faith to resolve the dispute as follows:

  1. written notice of dispute with sufficient detail and requested remedy;

  2. business/legal escalation meeting within 15 business days;

  3. settlement period of at least 30 days from notice receipt.

Either Party may seek urgent interim relief at any time where delay may cause irreparable harm.

24.5 Binding Arbitration for B2B Disputes

For B2B disputes, any claim, controversy, or dispute arising out of or relating to this Agreement (including its existence, validity, interpretation, performance, breach, termination, and non-contractual obligations) shall be finally resolved by confidential arbitration administered by CAM-CCBC (or successor institution), under its rules in force at the time of filing, except as modified below:

24.6 Court Jurisdiction for Permitted Matters

Notwithstanding arbitration:

24.7 Consumer Disputes (B2C)

If you are a consumer, mandatory consumer forums and rights cannot be waived. Any pre-dispute mandatory arbitration requirement applies only where valid under your local mandatory law. Where such requirement is unenforceable, disputes shall be heard by courts with jurisdiction under applicable consumer protection law.

24.8 Class/Collective Proceedings Waiver (Where Lawfully Permitted)

For B2B disputes, each Party agrees to bring claims only in its individual capacity and not as plaintiff/class member in purported class, collective, representative, or private-attorney-general actions, to the extent permitted by applicable law.

If any part of this waiver is found unenforceable for a specific claim, that claim shall proceed in the appropriate forum under applicable law, and the remainder of this Section shall remain in force.

24.9 Time Limitation for Claims (B2B)

To the maximum extent permitted by law, B2B claims arising out of or related to the Services must be filed within two (2) years from the date the claiming Party knew or reasonably should have known of the facts giving rise to the claim.

24.10 Survival

This Section survives termination or expiration of this Agreement.

25. Changes to Terms

We may revise these Terms. Material updates will be notified reasonably (website/app/email). Continued use after effective date means acceptance.

26. Notices and Communications

Legal notices to Belo AI: belo@belo.ai. You consent to electronic notices and operational communications.

27. Assignment

You may not assign these Terms without prior written consent. Belo AI may assign in merger, acquisition, reorganization, or sale of assets.

28. Force Majeure

Neither party is liable for delays/failures due to events beyond reasonable control.

29. Severability; Waiver; Entire Agreement

If any provision is unenforceable, remaining provisions continue. Failure to enforce is not waiver. These Terms and incorporated documents are the entire agreement on subject matter.

30. Language; Interpretation

English version governs unless mandatory local law requires otherwise.

31. Contact

Belo AI

Email: belo@belo.ai

Legal Entity: Belo Inteligência Artificial Ltda.

Address: Rua da Consolação, 2302, São Paulo/SP – CEP 01302-011 – Brazil.