Effective Date: August 1, 2026 Last Updated: August 1, 2026

These Terms of Service (the "Terms") are a binding agreement between Vaxio, Inc., a Delaware corporation ("Vaxio," "Frontbell," "we," "us," or "our"), and the person or business entity that creates an account or otherwise uses the Frontbell service ("you," "your," or "Customer"). Frontbell is Vaxio's AI-native platform for service businesses (the "Service"), available at frontbell.ai and through the Frontbell mobile application.

By creating an account, clicking "I Agree," checking the acceptance checkbox at signup, or otherwise accessing or using the Service, you agree to be bound by these Terms. If you are accepting these Terms on behalf of a business or other entity, you represent that you have the authority to bind that entity, and "you" refers to that entity.

If you do not agree to these Terms, do not use the Service.

1. Acceptance of Terms

1.1. These Terms take effect when you first accept them — by creating an account, accepting a team invitation, or continuing to use the Service after being notified of updated Terms.

1.2. You must be at least 18 years old and have the legal capacity to enter into a contract to use the Service.

1.3. If we update these Terms in a way that materially changes your rights or obligations, we will provide notice as described in Section 17 (Changes to These Terms), and continued use of the Service after the new Terms take effect constitutes acceptance. Where our systems support it, we may require you to affirmatively re-accept a new version before continued use (an in-product acceptance gate) — that mechanism does not change the notice-and-continued-use rule in this section; it is simply how we sometimes choose to collect that acceptance.

2. The Service

2.1. Frontbell provides software and AI-powered tools that help service businesses (painters, cleaners, contractors, and similar trades) run their operations, including customer relationship management, scheduling and dispatch, estimating and invoicing, and an AI voice/chat/SMS assistant (the "AI Assistant") that can answer calls, respond to messages, and take actions on your behalf within the permissions you configure.

2.2. Bells and usage credits. Certain AI-driven capabilities (for example, AI-handled calls, AI-generated estimates, and other metered features) are billed using a usage-credit unit we call "Bells." Your subscription plan includes an allotment of Bells; additional Bells may be purchased. Bell pricing, allotments, and consumption rules are described in your plan details and in-product billing pages, which are incorporated into these Terms by reference and may change with notice as described in Section 17.

2.3. We may add, change, or remove features of the Service from time to time. We will use commercially reasonable efforts to provide notice of changes that materially reduce the functionality you are paying for.

3. Accounts and Registration

3.1. You must provide accurate, current, and complete information when creating an account and keep that information up to date.

3.2. You are responsible for safeguarding your account credentials and for all activity that occurs under your account. Notify us immediately at the contact in Section 20 if you suspect unauthorized access.

3.3. If you invite team members to your organization's Frontbell account, you are responsible for their compliance with these Terms, and their acceptance of any required agreements (including these Terms and, where applicable, the acceptance gate referenced in Section 1.3) as part of joining your organization.

4. License Grant and Restrictions

4.1. License to you. Subject to your compliance with these Terms and payment of applicable fees, we grant you a limited, non-exclusive, non-transferable, non-sublicensable license to access and use the Service for your internal business purposes during your subscription term.

4.2. Restrictions. You will not, and will not permit any third party to: (a) reverse engineer, decompile, or attempt to derive the source code of the Service, except to the extent such restriction is prohibited by applicable law; (b) resell, sublicense, rent, or lease the Service to any third party without our written consent; (c) use the Service to build a competing product; (d) circumvent usage limits, security features, or authentication mechanisms; (e) use automated means to scrape or extract data from the Service other than through documented APIs; or (f) use the Service in a way that violates applicable law or the Acceptable Use rules in Section 5.

4.3. We reserve all rights in the Service not expressly granted to you.

5. Acceptable Use

You agree not to use the Service to:

5.1. Send unsolicited, unlawful, or non-consensual communications, including text messages, calls, or emails that violate the Telephone Consumer Protection Act (TCPA), CAN-SPAM Act, state telemarketing/do-not-call laws, or applicable consent and disclosure requirements. Frontbell provides consent-management, disclosure, and opt-out tooling to help you comply — you remain responsible for obtaining and maintaining lawful consent from your own customers and for configuring and using that tooling correctly.

5.2. Record calls or communications without providing legally required notice or obtaining legally required consent from participants. Frontbell's voice features include built-in recording disclosures that you may not disable or bypass.

5.3. Upload, transmit, or process data you do not have the right to process, including another party's confidential or personal information without a lawful basis.

5.4. Infringe any intellectual property, privacy, or other right of any person or entity.

5.5. Transmit malware, attempt to gain unauthorized access to any system, or otherwise interfere with the integrity or performance of the Service.

5.6. Use the Service for any purpose that is fraudulent, deceptive, discriminatory, or otherwise unlawful.

We may suspend or terminate access for violations of this Section, with notice where practicable.

6. Fees, Billing, and Refunds

6.1. Subscription fees. Use of the Service requires a paid subscription at the rate specified in your selected plan, billed on the cadence disclosed at checkout (typically monthly or annually) via our payment processor.

6.2. Bells and usage-based charges. Bell purchases and any other usage-based charges are billed as incurred or as otherwise disclosed in-product at the time of purchase.

6.3. Payment processing. Subscription and usage fees you pay to Frontbell are processed via Stripe. Separately, for payments your own customers make to you through the Service (for example, invoice or deposit payments), you — not Frontbell — are the merchant of record, and those transactions are governed by your own Stripe (or other payment processor) account and terms. Frontbell is not a party to those transactions and does not guarantee their outcome.

6.4. Refunds. Except where required by applicable law or expressly stated in an Order Form, fees are non-refundable. Unused Bells do not expire and carry over from month to month while your subscription remains active; they are forfeited when the subscription ends. Annual plans are not refundable pro-rata on early cancellation.

6.5. Auto-renewal. Subscriptions renew automatically at the end of each billing period unless cancelled before the renewal date through your account settings. Where required by law (e.g., California's Automatic Renewal Law), we will provide the disclosures and cancellation mechanism required for automatically renewing subscriptions.

6.6. Taxes. Fees are exclusive of applicable taxes, which you are responsible for unless we are required by law to collect them.

6.7. Non-payment. We may suspend or terminate your access for non-payment after reasonable notice.

7. Intellectual Property

7.1. Our IP. The Service, including its software, design, trademarks (including "Frontbell"), and underlying technology, is owned by Vaxio, Inc. or its licensors and is protected by intellectual property laws. Nothing in these Terms transfers ownership of the Service to you.

7.2. Feedback. If you provide suggestions or feedback about the Service, we may use it without restriction or obligation to you.

8. Your Content and Data

8.1. Your Content. "Your Content" means the data you and your Authorized Users submit to the Service, including customer records, photos, estimates, invoices, and communications, and data about your own customers that you or the AI Assistant collect through the Service ("End-Customer Data"). As between you and Frontbell, you own Your Content.

8.2. License to operate the Service. You grant Frontbell a worldwide, non-exclusive license to host, process, transmit, and display Your Content solely as necessary to provide, maintain, secure, and improve the Service, and as otherwise permitted by our Privacy Policy.

8.3. Processor role for End-Customer Data. With respect to End-Customer Data, Frontbell acts as a service provider/processor on your behalf, not as an independent controller. Our processing of that data, including retention and deletion practices, is described in our Privacy Policy and, where applicable, a separate data processing addendum available on request.

8.4. Your responsibilities. You represent that you have the right to submit Your Content to the Service and that doing so does not violate any law or third-party right.

9. AI Features and Outputs

9.1. How it works. The AI Assistant and other AI features use large language models and related technology to answer calls, draft messages, generate estimates, summarize information, and take configured actions. AI outputs are generated probabilistically and may be incomplete, inaccurate, or inappropriate in some circumstances ("hallucinations").

9.2. No professional advice. AI-generated content (including estimates, pricing suggestions, scheduling recommendations, and drafted communications) is provided for informational and productivity purposes only. It is not professional, legal, financial, or engineering advice, and it does not replace your own judgment, expertise, licensing obligations, or applicable building/trade codes.

9.3. Human review responsibility. You are responsible for reviewing AI-generated outputs before relying on them or sending them to your customers, particularly for pricing, contractual commitments, and any communication sent in your business's name. Frontbell provides configuration controls (including approval workflows) to help you manage this, and you are responsible for configuring and using them appropriately for your risk tolerance.

9.4. No warranty on AI accuracy. We disclaim all warranties regarding the accuracy, completeness, or reliability of AI-generated outputs, to the maximum extent permitted by law, subject to Section 15.

10. Third-Party Services

10.1. The Service integrates with and relies on third-party services, including payment processing (Stripe), telephony and SMS carriers, cloud infrastructure, and, where you choose to connect them, your own email or calendar accounts.

10.2. Your use of third-party services is governed by their own terms. We are not responsible for the acts, omissions, or availability of third-party services, though we will use commercially reasonable efforts to maintain the integrations that are part of the Service.

10.3. Mobile app stores. If you download the Frontbell app from the Apple App Store or Google Play, you acknowledge that: (a) these Terms are between you and Vaxio, Inc. only — not with Apple Inc. or Google LLC, and Apple and Google are not responsible for the app or its content; (b) your use of the app must comply with the applicable store's terms of service; (c) Apple and Google have no obligation to provide maintenance or support for the app; (d) in the event of any failure of the app to conform to an applicable warranty, you may notify the store operator for a refund of the purchase price (if any), and to the maximum extent permitted by law the store operator has no other warranty obligation; and (e) Apple and its subsidiaries are third-party beneficiaries of these Terms with respect to your use of the iOS app, with the right to enforce them against you.

11. Privacy

Our collection and use of personal information in connection with the Service is described in our Privacy Policy, which is incorporated into these Terms by reference. Please review it to understand our practices, including how End-Customer Data is handled on your behalf, our retention practices, and how to submit a data subject access request (DSAR).

12. Disclaimers

EXCEPT AS EXPRESSLY STATED IN THESE TERMS, THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE, OR THAT AI-GENERATED OUTPUTS WILL BE ACCURATE (SEE SECTION 9).

13. Limitation of Liability

13.1. TO THE MAXIMUM EXTENT PERMITTED BY LAW, NEITHER PARTY WILL BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, REVENUE, DATA, OR GOODWILL, ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE, EVEN IF ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

13.2. Cap. EXCEPT FOR YOUR INDEMNIFICATION OBLIGATIONS UNDER SECTION 14, BREACHES OF CONFIDENTIALITY, OR A PARTY'S WILLFUL MISCONDUCT, EACH PARTY'S TOTAL LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS WILL NOT EXCEED THE FEES YOU PAID TO FRONTBELL IN THE TWELVE (12) MONTHS PRECEDING THE EVENT GIVING RISE TO THE CLAIM.

13.3. Some jurisdictions do not allow certain limitations of liability, so some of the above limitations may not apply to you.

14. Indemnification

14.1. By you. You agree to indemnify, defend, and hold harmless Vaxio, Inc. and its officers, employees, and agents from third-party claims arising out of: (a) Your Content or End-Customer Data; (b) your violation of these Terms or applicable law, including telemarketing, recording-consent, or data-protection law; or (c) your use of the Service in combination with third-party products in an unauthorized manner.

14.2. By us. We agree to indemnify, defend, and hold you harmless from third-party claims alleging that the Service, as provided by us and used in accordance with these Terms, infringes a third party's U.S. intellectual property rights, subject to customary exclusions (e.g., modifications not made by us, combination with non-Frontbell products, or continued use after we provide a non-infringing alternative).

15. Termination

15.1. By you. You may terminate your account at any time through your account settings or by contacting us; termination is effective at the end of your current billing period unless otherwise stated.

15.2. By us. We may suspend or terminate your access if you materially breach these Terms and fail to cure within a reasonable period after notice (where practicable), or immediately for violations that pose a security, legal, or safety risk.

15.3. Effect of termination. Upon termination, your right to access the Service ends. We will make Your Content available for export for a reasonable period following termination as described in our Privacy Policy / retention practices, after which it may be deleted in accordance with those practices.

15.4. Sections that by their nature should survive termination (including Sections 7, 8.3, 12, 13, 14, and 16) survive termination.

16. Governing Law and Dispute Resolution

16.1. Governing law. These Terms are governed by the laws of the State of Delaware, without regard to its conflict-of-laws rules.

16.2. Informal resolution first. Before filing a claim, each party agrees to try to resolve the dispute informally by contacting the other (for us: legal@vaxio.ai) and allowing thirty (30) days for a resolution.

16.3. Forum. Any dispute not resolved informally will be brought exclusively in the state or federal courts located in Delaware, and each party consents to their jurisdiction. Either party may instead bring an eligible individual claim in small-claims court.

17. Changes to These Terms

17.1. We may update these Terms from time to time. Material changes will be communicated by at least one of: an in-product notice, an email to your account's contact address, or a required in-product re-acceptance step, with reasonable advance notice before the change takes effect where practicable.

17.2. Non-material changes (e.g., clarifications, typo fixes) may be made without advance notice.

17.3. The "Last Updated" date at the top of this document reflects the most recent revision.

18. General

18.1. Entire agreement. These Terms, together with the Privacy Policy and any Order Form or plan terms, constitute the entire agreement between you and Frontbell regarding the Service and supersede prior agreements on the subject.

18.2. Assignment. You may not assign these Terms without our consent, except to a successor in a merger, acquisition, or sale of substantially all assets. We may assign these Terms in connection with a similar transaction.

18.3. Severability. If any provision of these Terms is found unenforceable, the remaining provisions remain in full effect.

18.4. No waiver. Failure to enforce a provision is not a waiver of our right to enforce it later.

18.5. Force majeure. Neither party is liable for delays or failures due to causes beyond its reasonable control.

18.6. Electronic records and signatures. You consent to receive notices, disclosures, and records relating to the Service electronically, and you agree that electronic signatures collected through the Service (including e-sign flows you send to your own customers) have the same legal effect as handwritten signatures to the extent permitted by the U.S. ESIGN Act and applicable state equivalents (e.g., UETA). You may withdraw this consent by closing your account; withdrawal does not affect the validity of records already delivered or signed electronically.

19. Beta and Preview Features

From time to time we may make beta, preview, or early-access features available. These features are provided "as is," may be changed or discontinued at any time, and are not covered by any uptime commitment or warranty.

20. Contact

Questions about these Terms can be sent to legal@vaxio.ai or through the in-product support channel.

Vaxio, Inc. Product: Frontbell (frontbell.ai)

Privacy Policy: docs/legal/PRIVACY_POLICY_DRAFT_2026-08.md
Data Processing Addendum (Section 8.3): docs/legal/DATA_PROCESSING_ADDENDUM_DRAFT_2026-08.md
Service Level Agreement (not published by default; attached to enterprise agreements): docs/legal/SERVICE_LEVEL_AGREEMENT_DRAFT_2026-08.md
Detailed prior working drafts: docs/legal/TENANT_TOS_TEMPLATE_2026.md and docs/legal/TENANT_DPA_TEMPLATE_2026.md

Frontbell Terms of Service