Terms of Service

1. Acceptance of the terms

These Terms of Service ("Terms") govern access to and use of Belo AI products and services ("Services") operated by Belo AI ("we", "our"). By accessing or using the Services, you agree to be bound by these Terms and our Privacy Policy.

If you do not agree with these Terms, do not use the Services. We may update the Terms from time to time by posting a revised version on this page. Your continued use of the Services after changes take effect constitutes acceptance of the revised Terms.

2. Description of the Services

Belo AI provides data intelligence and AI-assisted analysis tools, including research workspaces, data access, statistical analysis, and reporting. The Services are intended to help users explore and analyze data. Belo AI is not a broker-dealer or investment adviser, and the Services do not provide investment, legal, or tax advice.

3. Eligibility and accounts

You must be at least 18 years old to use the Services. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

We may offer multiple access tiers, including demo access, free accounts, and invited or premium plans. Additional access may require approval or a separate agreement with Belo AI.

4. Usage limits and access controls

The Services may include usage limits based on your access tier, including limits on messages, models, or features. We may modify or enforce these limits to protect the integrity of the platform.

5. Acceptable use

• Do not use the Services to violate laws or regulations.
• Do not attempt to access or probe systems without authorization.
• Do not upload content that infringes intellectual property rights.
• Do not use the Services to generate or distribute harmful, misleading, or discriminatory content.
• Do not reverse engineer, copy, or resell the Services unless permitted by law or explicit agreement with Belo AI.

6. Your content and data

You retain ownership of your content. You grant Belo AI a limited license to process your content to provide the Services, including by sending relevant inputs to third-party service providers (such as model and infrastructure providers). Belo AI does not use your private workspace content to train our own foundation models. Third-party providers may process content according to their terms and settings.

You are responsible for ensuring you have the rights and permissions required to upload or process data using the Services.

7. Third-party services, data sources, and attributions

The Services may integrate third-party tools, data sources, or model providers. Belo AI is not responsible for third-party services, content, or availability, and your use of those services may be subject to separate terms.

The Services may access and present public datasets or metadata from third parties (for example, Federal Reserve Economic Data (FRED®), Base dos Dados, and World Bank data). Belo AI is not affiliated with, endorsed by, or sponsored by any such third party unless explicitly stated in writing.

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

Third-party data may be subject to additional terms, attribution requirements, usage limits, and acceptable-use policies. You are responsible for complying with those third-party terms when you use the Services.

The Services also include third-party software components that are licensed under their respective licenses and notices.

8. Intellectual property

Belo AI and its licensors own all intellectual property rights in the Services, including software, design, branding, and content (excluding user content). You may not use Belo AI trademarks without written permission.

9. Paid services

If you purchase a paid plan, pricing, billing terms, and renewal details will be provided at the time of purchase or via a separate agreement. All fees are non-refundable unless otherwise stated in writing.

10. Disclaimers

The Services are provided "as is" and "as available" without warranties of any kind. Belo AI disclaims all warranties, including implied warranties of merchantability, fitness for a particular purpose, and non-infringement.

11. Limitation of liability

To the maximum extent permitted by law, Belo AI will not be liable for any indirect, incidental, special, consequential, or punitive damages, or any loss of profits, data, or goodwill, arising from your use of the Services.

12. Termination

We may suspend or terminate your access to the Services at any time if you violate these Terms or if required to protect the Services. You may stop using the Services at any time.

13. Contact

Questions about these Terms can be sent to belo@belo.ai.