Terms of Service

Last updated: August 28, 2026. Prior versions are archived and available on request.

1. Who you are contracting with

These terms are a binding agreement between you and IO Services LLC, a Delaware limited liability company with its registered address at 8 The Green, Ste B, Dover, DE 19901, United States ("IO Services", "we", "us", "our"). They govern your use of Swarmio ("the service"), available at ioswarm.io and through our API and machine interfaces.

Contact: support@ioservices.io

Section 17 contains a binding arbitration agreement and a class action waiver. It affects how disputes between us are resolved. Please read it.

2. Acceptance and eligibility

By creating an account, or by using the service through the website, the API, MCP, A2A, OpenAPI, or any automated agent, you accept these terms. If you do not accept them, do not use the service.

You represent that:

• You are at least 18 years old and of legal age to form a binding contract where you live.
• You are not barred from using the service under the laws of the United States or your jurisdiction.
• If you are accepting on behalf of a company or other entity, you have authority to bind it, and "you" means that entity.

3. The service

Swarmio runs AI agents that research, plan, and produce reports and other artifacts on your behalf, delivered through the website, the API, and machine interfaces.

We may add, change, suspend, or remove features at any time. For changes that materially reduce core functionality you have paid for, we will give reasonable advance notice by email where practical.

Beta features. Features marked beta, preview, or experimental are provided for evaluation, may be unstable or discontinued without notice, and are excluded from any commitment in these terms.

4. No guarantees — read this first

The service is provided "as is" and "as available", without warranties of any kind, express, implied, or statutory. We specifically disclaim the implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement. Without limiting that:

• No accuracy guarantee. AI-generated output can be wrong, incomplete, out of date, biased, or nonsensical. It may fabricate facts, citations, and sources. Citations and sources are aids, not proof. You are responsible for independently verifying anything that matters before you rely on it.
• Not professional advice. Nothing the service produces is financial, investment, legal, medical, tax, or other professional advice, and no professional relationship is created. Astrology and horoscope content is for entertainment only. Decisions you make are yours.
• Not a consumer report. Swarmio is not a consumer reporting agency, and its output is not a consumer report under the Fair Credit Reporting Act or any similar law. See Section 10.
• No availability guarantee. The service may be unavailable, interrupted, slow, or changed at any time, with or without notice. Scheduled runs may be delayed, fail, or be skipped.
• No outcome guarantee. A run may fail, produce less than you expected, or be cut off by technical limits. Failed runs are not charged beyond the work actually performed, but no specific result is promised.
• Third-party content. Runs browse and quote third-party sources. We do not endorse, verify, or take responsibility for third-party content, and we are not responsible for those sites' availability, accuracy, or practices.

Some jurisdictions do not allow the exclusion of implied warranties, so parts of this section may not apply to you.

5. Accounts, agents, and credentials

You are responsible for your account, your API keys, your agent credentials, and everything done with them, whether or not you authorized it. Keep them confidential and notify us immediately at support@ioservices.io if you suspect compromise.

Automated agents are welcome and are held to the same terms as human users:

• One account per agent. Do not operate multiple accounts to evade limits, grants, or suspensions.
• Registration trails (agent ID, signup IP) exist for abuse attribution.
• Abusive accounts may be disabled, and network ranges may be blocked.

Rate limits and fair use. Your plan's rate limits, concurrency limits, and quotas are shown in the app and in the agent onboarding documentation, and may change with notice. Do not circumvent, probe, or attempt to evade them. We may throttle or suspend accounts that degrade service for others.

6. Credits and payments

• The service is metered in credits. Credits are a usage allowance, not money and not a stored-value instrument. They are not redeemable for cash, not transferable, and have no value outside the service.
• Expiration. Purchased credits do not expire while your account remains active, and neither do promotional or granted credits (including the signup grant). Unused credits are forfeited on account termination and are not refunded, except where refund is required by law.
• Purchases are final except where a refund is required by applicable law, or where we choose to issue one at our discretion.
• Consumer withdrawal rights. If you are a consumer in the EU or UK, you normally have 14 days to withdraw from a purchase of digital content. By purchasing credits and using them immediately, you expressly request immediate performance and acknowledge that you lose the right of withdrawal once the credits are used. Unused credits may be refunded within the 14-day period.
• Chargebacks and refunds reverse the corresponding credits. If you have already spent them, your balance may go negative, and future purchases and grants are applied to the shortfall first. Fraudulent chargebacks may result in termination.
• Prices and the credit rate card may change. The price shown at purchase governs that purchase.
• Taxes. Prices exclude taxes unless stated. You are responsible for any sales, use, VAT, GST, or withholding taxes, other than taxes on our income.
• Crypto top-ups are credited only after on-chain verification of the transaction hash you submit (currently USDC on the Base network, credited after 12+ confirmations at the published rate card). Transactions with insufficient confirmations, sent to a wrong address, sent on an unsupported chain, or sent in an unsupported asset cannot be recovered and are not refundable. We do not exchange, custody, or transmit currency on your behalf; crypto is accepted solely as payment for credits. Supported chains and assets are shown at checkout.

7. Your content

• You keep your content. You retain all rights in the prompts, briefs, files, and settings you submit ("Your Content").
• License to us. You grant IO Services a worldwide, non-exclusive, royalty-free license to host, store, reproduce, transmit, adapt, and process Your Content solely to operate the service and perform the work you request, including sending it to our LLM providers and sub-processors. This license ends when you delete the content, subject to backup cycles described in the Privacy Policy.
• We do not train on Your Content, and we do not use it for advertising.
• You warrant that you own or have the necessary rights to Your Content, that submitting it does not violate any law or third-party right, and that you have a lawful basis for any personal data it contains.

8. Output

• Subject to your compliance with these terms, and to the extent we hold rights capable of being assigned, we assign to you our rights in the reports and artifacts the service produces for you ("Output"). Output is yours to keep, share, and reuse, including commercially.
• Important limits. AI-generated material may not be protectable by copyright in some jurisdictions. Output may incorporate or summarize third-party material from sources the run browsed, which we do not own and cannot license to you. Our LLM providers' terms may impose conditions on Output. You are responsible for confirming you may lawfully use Output for your intended purpose.
• Output is not unique. Other users may receive similar or identical Output from similar prompts. We make no exclusivity commitment.
• Sharing. When you share a report, anyone with the link can read it until you un-share it. Do not share Output containing personal or confidential data.
• Sample runs. We may publish curated sample runs produced by platform-operated accounts. We never publish your runs.

9. Acceptable use

You must not use the service to:

• Break any applicable law or regulation.
• Violate anyone's rights, including privacy, publicity, intellectual property, or contract rights, or breach any website's terms of service or robots directives.
• Probe, scan, attack, disrupt, or attempt to gain unauthorized access to any system, network, or account you do not own or lack written authorization to test. See Section 11.
• Harvest, scrape, or compile personal data at scale, or build a database of individuals.
• Stalk, harass, threaten, defame, or intimidate anyone, or facilitate intimate-partner monitoring.
• Generate or distribute malware, ransomware, phishing content, spam, or material designed to deceive or defraud.
• Generate child sexual abuse material, non-consensual intimate imagery, or content that sexualizes minors.
• Generate content that incites violence or promotes terrorism or violent extremism.
• Create deepfakes or synthetic media impersonating a real person without their consent, or misrepresent AI-generated Output as human-authored where doing so is deceptive or unlawful.
• Make decisions about a person's eligibility for employment, credit, housing, insurance, education, or government benefits based on Output. See Section 10.
• Circumvent rate limits, quotas, access controls, or suspensions, or reverse engineer, decompile, or scrape the service.
• Resell, sublicense, or white-label the service without a written agreement with us.

Enforcement. We may investigate suspected violations and may suspend or terminate access, with or without notice, and without refund. Where practical we will tell you what happened and give you a chance to respond. To contest an enforcement action, email support@ioservices.io; a human will review.

10. People research

The people-research capability is subject to additional binding rules.

Permitted purposes. You must state a permitted purpose before each run. Permitted purposes are limited to those you have a lawful basis for, such as due diligence on a counterparty, journalism, academic research, and verifying someone you are already dealing with.

Prohibited purposes. You must not use people research:

• To make or inform any decision about employment, credit, housing, tenancy, insurance, education, or government benefits, or for any other purpose regulated by the Fair Credit Reporting Act (FCRA) or an equivalent law. Swarmio is not a consumer reporting agency and its Output is not a consumer report.
• To stalk, harass, intimidate, threaten, dox, or monitor an intimate partner, family member, or former partner.
• To locate a person who has obtained a protective or restraining order against you.
• To research a minor.
• To build, sell, or contribute to a commercial dossier, people-search product, or marketing list.
• For any purpose prohibited by GDPR, the UK GDPR, state privacy laws, or the law where you or the subject are located.

Data protection roles. For each people-research run, you are the data controller and IO Services acts as your processor, processing only on your documented instruction. You represent and warrant that you have a lawful basis for the search, that you will honor the subject's rights, and that you will comply with any notice obligations that fall on you — including GDPR Article 14 where applicable. If you require a data processing agreement, request one at support@ioservices.io.

Our controls. Searches are purpose-bound, depth-limited, rate-limited, and audit-logged with your account ID, the stated purpose, the subject, the timestamp, and the sources consulted. We maintain an opt-out register; searches against registered individuals are blocked. We may refuse, halt, or reverse any search, and we may disclose audit logs to law enforcement or to a subject exercising their rights.

Indemnity. Your indemnity in Section 14 applies in full to every people-research run you initiate.

11. Security and CTF capabilities

The security testing and CTF capabilities are provided for systems you own or are explicitly authorized in writing to test.

By launching such a run you represent and warrant that:

• You hold current, written authorization from the system owner covering the specific targets, techniques, and time window of the run;
• The run is within the scope of that authorization;
• You will retain the authorization document for at least 24 months and produce it to us within 5 business days of request; and
• The run does not violate the Computer Fraud and Abuse Act, the UK Computer Misuse Act, or any equivalent law where you or the target are located.

You must not target infrastructure you do not control without authorization, critical infrastructure, medical or safety systems, or third-party cloud tenants; conduct denial-of-service or destructive testing; or use the capability to develop or deploy malware for unauthorized use.

We log and retain the targets, techniques, timestamps, and originating account of every security run, and we will disclose those logs to law enforcement in response to a valid legal request, or to a system owner who presents a credible report of unauthorized testing originating from our infrastructure.

We may require evidence of authorization before permitting a run, refuse or halt any run, and immediately suspend an account we believe is testing without authorization. Your indemnity in Section 14 applies in full to every security run you initiate. This section survives termination.

12. Our intellectual property

The service — including its software, models, agent architecture and prompts, APIs, interfaces, designs, documentation, and the Swarmio and IO Services names and logos — is owned by IO Services LLC and its licensors and is protected by intellectual property law.

We grant you a limited, revocable, non-exclusive, non-transferable, non-sublicensable license to access and use the service in accordance with these terms. All rights not expressly granted are reserved. You get no right to our trademarks without written permission.

Feedback. If you send us suggestions, feature requests, or feedback, you grant us a perpetual, irrevocable, worldwide, royalty-free license to use it for any purpose, without obligation or compensation to you.

13. Copyright complaints

If you believe material accessible through the service infringes your copyright, send a notice under the DMCA to our designated agent:

DMCA Agent, IO Services LLC 8 The Green, Ste B, Dover, DE 19901, United States support@ioservices.io (subject line: "DMCA Notice")

Your notice must include your signature, identification of the work and the infringing material, your contact details, a good-faith statement, and a statement under penalty of perjury that you are authorized to act. We will remove or disable access to infringing material, notify the user, accept counter-notices, and terminate repeat infringers.

14. Indemnification

You will defend, indemnify, and hold harmless IO Services LLC, its members, officers, employees, and agents from and against any claim, demand, action, investigation, loss, liability, damage, fine, penalty, and cost (including reasonable attorneys' fees) arising out of or related to:

• Your Content, or your use of the service or Output;
• Your breach of these terms or of any law;
• Any people-research run you initiate, including any claim by a research subject;
• Any security or CTF run you initiate, including any claim by a system owner or law enforcement action;
• Your violation of any third party's rights; or
• Anything done through your account, your API keys, or an agent you operate or authorize.

We will notify you of any claim, and you will not settle any claim in a way that imposes obligations on us without our written consent. We may participate in the defense at our own expense.

15. Limitation of liability

To the maximum extent permitted by law, IO Services LLC is not liable for any indirect, incidental, special, consequential, exemplary, or punitive damages, or for lost profits, lost revenue, lost data, lost goodwill, business interruption, or the cost of substitute services, arising out of or related to the service — whether in contract, tort, negligence, strict liability, or any other theory, and whether or not we were advised of the possibility.

Our total aggregate liability for all claims arising out of or related to the service is limited to the greater of (a) the amount you paid us in the 12 months before the event giving rise to the claim, or (b) one hundred US dollars (US$100).

Nothing in these terms excludes or limits liability for death or personal injury caused by our negligence, fraud or fraudulent misrepresentation, gross negligence or willful misconduct, or any other liability that cannot lawfully be excluded or limited. Some jurisdictions do not allow certain exclusions, so parts of this section may not apply to you.

These limits are a fundamental basis of the bargain between us and apply even if a limited remedy fails of its essential purpose.

16. Export control and sanctions

You must comply with all applicable export control and sanctions laws, including those of the United States. You represent that you are not located in, ordinarily resident in, or organized under the laws of a country or region subject to comprehensive US sanctions, and that you are not listed on any US government restricted-party list, including OFAC's Specially Designated Nationals list. You will not make the service available to any such person or use it for any prohibited end use.

17. Governing law and dispute resolution

Governing law. These terms and any dispute arising out of them are governed by the laws of the State of Delaware, United States, without regard to its conflict-of-laws rules. The UN Convention on Contracts for the International Sale of Goods does not apply.

Informal resolution first. Before starting a formal proceeding, you agree to email support@ioservices.io with a description of the dispute and to work with us in good faith for 60 days. Most disputes resolve here.

Binding arbitration. If we cannot resolve it informally, any dispute will be settled by binding individual arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules (for consumers) or Commercial Arbitration Rules (for businesses). Arbitration will take place in Delaware or, at your election if you are a consumer, in your home county or by videoconference. The arbitrator's decision is final and may be entered as a judgment in any court of competent jurisdiction.

Class action waiver. You and IO Services each waive the right to bring or participate in a class, collective, consolidated, or representative action. The arbitrator may not consolidate claims or preside over any representative proceeding. If this waiver is found unenforceable as to a particular claim, that claim proceeds in court and the rest of this section still applies.

Exceptions. Either party may bring an individual claim in small claims court, and either party may seek injunctive relief in court to protect intellectual property or stop unauthorized access. Courts in Delaware have exclusive jurisdiction over those claims, and you consent to that jurisdiction and venue.

Opt out of arbitration. You may opt out of this arbitration agreement by emailing support@ioservices.io with the subject "Arbitration Opt-Out" within 30 days of first accepting these terms. Opting out does not affect the rest of these terms.

Consumers outside the US. If you are a consumer in the EU or UK, nothing here deprives you of the protection of mandatory consumer law in your country of residence, or of your right to bring proceedings in your local courts.

18. Termination

By you. You may stop using the service and delete your account at any time from account settings, or by emailing support@ioservices.io.

By us. We may suspend or terminate your access, with or without notice, for breach of these terms, abuse, non-payment, fraud, legal risk, or an extended period of inactivity. Where practical we will give notice and an opportunity to cure.

What happens on termination.

• Your license to use the service ends immediately.
• Unspent credits are forfeited and are not refunded, except where refund is required by law.
• Your data is deleted in accordance with the Privacy Policy. We will keep it available for export for 30 days after voluntary termination, unless we terminated for abuse or legal risk.
• Shared report links stop working.

Survival. Sections 4 (no guarantees), 7 (your content warranties), 8 (output), 10 (people research), 11 (security capabilities), 12 (our IP), 14 (indemnification), 15 (liability), 16 (export control), 17 (disputes), 18 (termination), and 20 (general) survive termination.

19. Changes to these terms

We may update these terms. The date at the top shows the current version, and archived versions are available on request.

For material changes we will give notice by email to account holders and on the site at least 30 days before they take effect. Continued use after the effective date accepts the updated terms. If you do not accept them, stop using the service and delete your account before the effective date; we will refund unused purchased credits in that case.

Non-material changes — clarifications, typos, and reorganization — take effect on posting.

20. General

• Entire agreement. These terms and the Privacy Policy are the entire agreement between us about the service and supersede all prior discussions, proposals, and agreements.
• Severability. If any provision is held unenforceable, it is modified to the minimum extent necessary or severed, and the rest remains in effect.
• No waiver. Our failure to enforce a provision is not a waiver of it.
• Assignment. You may not assign or transfer these terms without our written consent. We may assign them to an affiliate or in connection with a merger, acquisition, or sale of assets.
• Force majeure. Neither party is liable for failure to perform due to causes beyond its reasonable control, including natural disaster, war, terrorism, labor dispute, government action, internet or utility failure, or failure of an upstream provider.
• Notices. We give notice by email to your account address or by posting on the site. You give notice to support@ioservices.io or by mail to the address in Section 1. Notice is effective on the day sent by email, or three business days after mailing.
• No agency. These terms create no partnership, joint venture, employment, franchise, or agency relationship.
• Third-party beneficiaries. There are none, except that our members, officers, employees, and agents may enforce Sections 14 and 15.
• Language. These terms are drafted in English. Any translation is for convenience; the English version governs.

21. Contact

IO Services LLC 8 The Green, Ste B Dover, DE 19901 United States support@ioservices.io