Terms and Conditions of Service

1. Acceptance of Terms

These Terms and Conditions of Service ("Terms") constitute a legally binding agreement between you ("User", "you", or "your") and Hustler Capital and Advisory LLC, a Wyoming limited liability company ("Lauren", "we", "us", or "our"), governing your access to and use of the Lauren desktop application, website, and related services (collectively, the "Service").

By downloading, installing, or using Lauren, you confirm that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you do not agree to these Terms, you must not use the Service.

If you are using Lauren on behalf of an organisation, you represent that you have authority to bind that organisation to these Terms, and these Terms apply to that organisation.

You must be at least 18 years of age to use Lauren. By using Lauren you represent that you are 18 or older.

2. Description of Service

Lauren is a privacy-first AI meeting notetaker that captures meetings without a bot, extracts structured information including decisions, commitments, and action items, and provides tools for integrating that information into third-party productivity tools. Lauren also provides an entity graph, local API server, and MCP server that allow AI agents to access your professional context from your device.

Lauren operates on a zero-knowledge local-first architecture. Your meeting content, transcripts, summaries, and entity graph are encrypted with a key derived from your personal passphrase and stored on your device. Lauren's servers cannot read this content. This architecture is described in detail in our Privacy Policy.

Lauren is provided as software installed on your macOS device. A Windows version is expected to be available within 60 days of the macOS launch. Lauren requires an active subscription to function beyond any applicable free tier limits.

3. Account Registration

• You must provide a valid email address and create a secure password to use Lauren. You are responsible for maintaining the confidentiality of your account credentials.
• You must not share your account with others or allow others to use your credentials.
• You are responsible for all activity that occurs under your account.
• You must notify us immediately at hello@laurenai.xyz if you suspect unauthorised access to your account.
• We reserve the right to suspend or terminate accounts that violate these Terms or that we believe have been compromised.
• You may not create multiple accounts to circumvent any limitations or restrictions.

4. Subscriptions and Payment

4.1 Subscription Tiers

4.2 Beta Founder Rate

Users who subscribe during the beta period at the Founder Rate of $10 per seat per month will retain that rate permanently for the Pro tier, regardless of future price changes. The Founder Rate applies to the specific account that subscribed at that rate and is not transferable. Upgrading to the Context tier is available to Founder Rate users at a permanent 30% discount from the then-current Context tier price.

4.3 Billing

• All subscriptions are billed monthly in advance unless you select annual billing.
• Payment is processed by Stripe. By subscribing you authorise us to charge your payment method on a recurring basis.
• All prices are in US Dollars unless otherwise stated.
• Prices may change with 30 days' notice. Existing subscribers will be notified by email. The Beta Founder Rate and any locked rates are exempt from price changes.
• Taxes may apply depending on your jurisdiction. You are responsible for any applicable taxes.
• Token Top-ups: You can add funds to your account and top up in case you exhaust your token limits under subscription.

4.4 Cancellation and Refunds

• You may cancel your subscription at any time from your account settings. Cancellation takes effect at the end of the current billing period.
• We do not offer refunds after subscription under any circumstances, even if you cancel your subscription before the end of the billing period, except where required by applicable law.
• Upon cancellation, your account reverts to the Free tier. Your locally stored data remains on your device and is not affected by cancellation.
• If you enabled cloud sync, your encrypted data remains in our storage for 90 days following cancellation, after which it is permanently deleted. You should export your data before cancellation if you wish to retain it.

5. Zero-Knowledge Architecture — Critical Terms

The following terms are specific to Lauren's zero-knowledge architecture and are important. Please read them carefully.

• Passphrase responsibility: You are solely responsible for remembering your sync passphrase and safeguarding your recovery key. Lauren strongly recommends storing your recovery key in a password manager or other secure location.
• No backdoor: Lauren does not have and will not create any mechanism to decrypt your data without your passphrase. This is by design and cannot be changed retroactively even under legal compulsion.
• Device loss: If your device is lost, stolen, or damaged and you did not enable cloud sync, your meeting content and entity graph cannot be recovered by Lauren. We are not liable for data loss arising from failure to enable cloud sync or failure to preserve your recovery key.
• Employer and third-party access: Because your data is encrypted with your personal passphrase, your employer, your AI provider, and any third party cannot access your meeting content through Lauren. This is the intended behaviour of the architecture. You are responsible for ensuring your use of Lauren complies with your employment agreement and any applicable organisational policies.
• AI provider transmission: Your transcript text is transmitted from your device directly to our AI providers for summarisation and entity extraction. This is described in detail in our Privacy Policy. By using Lauren you consent to this transmission in accordance with our Privacy Policy.

6. Recording Consent — Your Legal Responsibility

Lauren captures meeting audio on your device. You are solely and entirely responsible for ensuring that your use of Lauren complies with all laws applicable to you governing the recording or monitoring of conversations, including but not limited to:

• Two-party and all-party consent laws in applicable US states
• Applicable Nigerian law governing private communications
• EU member state laws implementing GDPR requirements
• Any applicable employment or contractual obligations

Lauren provides a pre-meeting consent email feature. Use of this feature does not guarantee legal compliance in your jurisdiction. Lauren makes no representation that use of the consent email feature satisfies any legal requirement. You should seek independent legal advice if you are uncertain about your recording consent obligations.

Lauren is not liable for any claim, loss, penalty, or proceeding arising from your failure to obtain required consent for meeting capture.

7. Agent Access and MCP Server

Lauren provides a local API server and MCP server that allow third-party AI agents and tools to access your context graph on your device. By enabling agent access you agree to the following:

• You are responsible for the AI agents and tools you connect to Lauren. Lauren does not control, endorse, or take responsibility for third-party agents.
• You must review and confirm any outbound action (such as creating a Jira ticket or sending an email) proposed by an agent before it is executed. Lauren will not execute outbound actions without your explicit confirmation.
• Agent access tokens are issued by you and revocable by you at any time from Settings. You are responsible for managing your tokens and revoking access when no longer required.
• The agent audit log records every query made by connected agents. You should review this log periodically.
• Lauren is not liable for any action taken by a third-party agent connected to your Lauren instance, including any action you confirm in the Lauren UI.

8. Acceptable Use

You agree not to use Lauren to:

• Capture conversations without required legal consent in your jurisdiction
• Capture classified, legally privileged, or confidential information you are not authorised to process through a third-party AI service
• Violate any applicable law, regulation, or third-party right
• Attempt to reverse engineer, decompile, or extract the source code of Lauren
• Circumvent, disable, or interfere with security features of Lauren
• Use Lauren to develop a competing product or service
• Resell, sublicense, or commercially redistribute Lauren without our express written consent
• Use Lauren in any way that could damage, overburden, or impair our infrastructure
• Impersonate any person or entity or misrepresent your affiliation

We reserve the right to suspend or terminate accounts that violate these acceptable use terms.

9. Intellectual Property

9.1 Lauren's Intellectual Property

Lauren, including its software, design, trademarks, and content, is owned by Hustler Capital and Advisory LLC and is protected by applicable intellectual property laws. These Terms grant you a limited, non-exclusive, non-transferable, revocable licence to use Lauren for your personal or internal business purposes in accordance with these Terms. No other rights are granted.

9.2 Your Content

You own all content you create using Lauren — your meeting transcripts, summaries, entity graph, and any outputs. We do not claim any ownership over your content. Because of our zero-knowledge architecture, we cannot access your content and make no use of it.

By enabling optional cloud sync, you grant Lauren a limited, technical licence to store your encrypted content on our infrastructure for the purpose of providing the sync service. This licence extends only to the storage of ciphertext and does not include any right to access, use, or disclose the underlying content.

9.3 Feedback

If you provide us with feedback, suggestions, or ideas about Lauren, you grant us a perpetual, irrevocable, royalty-free licence to use that feedback without restriction or compensation to you.

10. Third-Party Services and Integrations

Lauren integrates with third-party services including Jira, Google Workspace, Microsoft 365, and email providers. Your use of these integrations is subject to the terms of service of those third parties. Lauren is not responsible for the availability, accuracy, or behaviour of third-party services.

Lauren uses AI providers including Google Gemini and Grok (xAI) to process your transcript content. Your use of Lauren constitutes acceptance of the applicable terms of these providers as disclosed in our Privacy Policy. Lauren is not responsible for the data practices of AI providers beyond our contractual arrangements with them.

11. Disclaimers

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, LAUREN DISCLAIMS ALL WARRANTIES INCLUDING BUT NOT LIMITED TO WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT.

Lauren does not warrant that:

• The Service will be uninterrupted, error-free, or secure
• AI-generated summaries, action items, entities, or other outputs will be accurate, complete, or suitable for any particular purpose
• The Service will be compatible with all operating system versions or hardware configurations
• Any specific features will be available in perpetuity

AI-generated content produced by Lauren is provided for informational purposes only. You are responsible for reviewing all AI-generated outputs before acting on them or sending them to third parties. Lauren is not liable for errors in AI-generated summaries, misidentified entities, incorrect action items, or any other AI output.

12. Limitation of Liability

TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, HUSTLER CAPITAL AND ADVISORY LLC AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, INCLUDING BUT NOT LIMITED TO LOSS OF DATA, LOSS OF PROFITS, OR LOSS OF BUSINESS OPPORTUNITY, ARISING OUT OF OR IN CONNECTION WITH YOUR USE OF LAUREN.

OUR TOTAL LIABILITY TO YOU FOR ANY CLAIM ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE SHALL NOT EXCEED THE TOTAL AMOUNT PAID BY YOU TO LAUREN IN THE 12 MONTHS PRECEDING THE CLAIM.

Some jurisdictions do not allow the exclusion or limitation of certain warranties or liabilities. In such jurisdictions, our liability is limited to the maximum extent permitted by law.

Specific limitations applicable to zero-knowledge architecture — Lauren is not liable for:

• Loss of data resulting from loss of your sync passphrase or recovery key
• Loss of data resulting from failure to enable cloud sync
• Any claim arising from a third party's access to content that was stored on your device or encrypted with your key
• Any claim arising from the data practices of AI providers to whom you transmitted transcript content through Lauren

13. Indemnification

You agree to indemnify, defend, and hold harmless Hustler Capital and Advisory LLC and its officers, directors, employees, and agents from and against any claims, damages, losses, costs, and expenses (including reasonable legal fees) arising out of or related to:

• Your use of Lauren in violation of these Terms
• Your violation of any applicable law, including recording consent laws
• Your violation of any third-party right
• Any content you capture, process, or transmit through Lauren
• Any action taken by an AI agent connected to your Lauren instance

14. Governing Law and Dispute Resolution

14.1 Governing Law

These Terms are governed by the laws of the State of Wyoming, United States of America, without regard to its conflict of law principles.

14.2 Dispute Resolution

• For users in the European Union: Nothing in these Terms affects your rights as a consumer under applicable EU law, including your right to bring claims before the courts of your country of residence or before applicable EU alternative dispute resolution bodies.
• For users in Nigeria: Disputes may be referred to the appropriate Nigerian courts or to arbitration under the Arbitration and Conciliation Act.
• For users in the United States: You and Lauren agree to resolve any dispute through binding individual arbitration under the rules of the American Arbitration Association (AAA), except that either party may bring individual claims in small claims court. YOU AND LAUREN WAIVE THE RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN CLASS ACTION PROCEEDINGS.

Before initiating any formal dispute resolution, we encourage you to contact us at hello@laurenai.xyz. We will attempt to resolve disputes informally within 30 days.

15. Termination

You may terminate your account at any time by cancelling your subscription and deleting the Lauren application from your device.

We may suspend or terminate your account immediately if:

• You violate these Terms
• We are required to do so by law
• We reasonably believe your account has been compromised
• We discontinue the Service

Upon termination, your right to use Lauren ceases immediately. Locally stored data remains on your device and is your responsibility. Encrypted sync data is retained for 90 days and then permanently deleted.

Sections 5, 6, 9, 10, 11, 12, 13, and 14 survive termination of these Terms.

16. Changes to These Terms

We may update these Terms from time to time. We will notify you of material changes by email to your registered address and by a prominent notice within the Lauren application at least 30 days before the change takes effect. Your continued use of Lauren after the effective date constitutes acceptance of the updated Terms.

If you do not agree to the updated Terms, you must stop using Lauren before the effective date.

The current version of these Terms is always available at laurenai.xyz/terms.

17. General Provisions

• Entire agreement: These Terms and the Privacy Policy constitute the entire agreement between you and Lauren regarding the Service and supersede all prior agreements.
• Severability: If any provision of these Terms is found unenforceable, that provision will be modified to the minimum extent necessary to make it enforceable, and the remaining provisions will continue in full force.
• No waiver: Failure to enforce any provision of these Terms does not constitute a waiver of our right to enforce it in the future.
• Assignment: You may not assign your rights under these Terms without our prior written consent. We may assign our rights to a successor entity in connection with a merger, acquisition, or sale of all or substantially all of our assets.
• Force majeure: We are not liable for delays or failures in performance resulting from causes beyond our reasonable control.
• Language: These Terms are provided in English. If translated, the English version prevails in case of conflict.

18. Contact