Legal

Terms of Use

Effective date: 13 October 2026

Kramio Global Terms of Use

These Global Terms of Use (“Global Terms”) govern access to and use of the Kramio mobile applications, the website at kramio.com, Kramio’s consent-based WhatsApp features, connected-health features, and related services (together, the “Services”).

The contracting Kramio entity and additional terms that apply to you depend on your country of ordinary residence and are set out in the Regional Terms at the end of this document.

Please read these Global Terms, the Regional Terms that apply to you, and the Kramio Privacy Notice before using the Services.

1. How these Terms work

1.1 The agreement

Your agreement with Kramio consists of:

1. these Global Terms;
2. the Regional Terms that apply to your country of ordinary residence;
3. the Kramio Privacy Notice and applicable regional privacy supplement;
4. any feature-specific terms shown before you use a particular feature; and
5. any purchase, subscription, promotion, or Service Partner terms shown before you complete a transaction.

If there is a conflict:

feature-specific or transaction terms control for that feature or transaction;
the applicable Regional Terms control over these Global Terms on regional legal matters; and
mandatory law controls over all contractual terms.

1.2 Acceptance

You accept these Terms when you:

create a Kramio account after being presented with the Terms;
tap Agree and continue or an equivalent control;
reply with an acceptance instruction during an authorized WhatsApp onboarding flow; or
otherwise use an account-based part of the Services after the Terms have been presented to you.

Public portions of kramio.com may be viewed without an account. Your use of those public portions remains subject to the sections of these Terms that reasonably apply to website visitors.

If you do not agree, do not create an account or use the account-based Services.

1.3 Version record

Kramio may record:

the version of the Terms presented to you;
the date, time, channel, and method of acceptance; and
the Regional Terms that applied at the time.

The current Terms will be available through the app and at kramio.com/terms.

1.4 Regional application

Regional Terms are generally determined by your ordinary country of residence when you create your account.

You must provide accurate country information. If you move permanently to another country, tell us through the app or contact support. Different Regional Terms, features, providers, prices, or privacy rules may then apply.

The Services may not be available in every country or region.

2. Eligibility and account security

2.1 Adult accounts only

You must be at least 18 years old and legally able to enter into a contract to create a Kramio account.

Kramio does not knowingly permit a child to create their own account.

2.2 Accurate account information

You must provide accurate and current information and must not:

impersonate another person;
create an account using another person’s identity without authority;
provide false or misleading information; or
conceal material information when Kramio reasonably needs it to operate or secure the account.

2.3 Account security

You are responsible for protecting:

your device;
one-time codes;
device PINs;
biometric access;
recovery methods; and
any credentials connected to your account.

Tell us promptly at support@kramio.com if you suspect unauthorized access.

2.4 Personal account

Your Kramio account is personal and non-transferable.

Do not sell, rent, transfer, or share your login credentials. Use Kramio’s Care Circle and sharing features when another person needs authorized access.

2.5 Personal and household use

Unless Kramio has entered into a separate written agreement with you, the Services are licensed for personal and household use.

Clinicians, professional caregivers, organizations, employers, insurers, clinics, and other businesses may require separate terms.

3. Definitions

In these Terms:

“Account”

means the account used to access Kramio.

“AI Output”

means any response, extraction, summary, explanation, suggestion, care plan, reminder, ranking, prediction, draft, or other content produced with artificial intelligence.

“Approved Action”

means an external action that an authorized user has expressly approved, such as sharing information, contacting a Service Partner, preparing or submitting an order, requesting a booking, or sending a message.

“Care Circle”

means the authorized people who may view, contribute to, or manage a Care Subject’s information under permissions assigned through Kramio.

“Care Circle Member”

means a person invited to the Care Circle, such as a family member, informal caregiver, clinician, or other authorized person.

“Care Graph”

means the structured record Kramio maintains from authorized information about Care Subjects, care relationships, conditions, medicines, allergies, diet, vaccines, measurements, documents, plans, actions, and changes over time.

“Care Subject”

means a person or pet whose care is organized in Kramio, including the account holder, another authorized person, a child managed by a parent or guardian, or a pet.

“Connected Health Source”

means Apple Health, Health Connect, a wearable, home-health device, vendor application, provider system, or another authorized data source connected to Kramio.

“Kramio Suggestion”

means AI Output or other Kramio-generated guidance that has not been represented as a confirmed fact or professional instruction.

“Regional Terms”

means the country-specific terms at the end of this document.

“Service Partner”

means an independent third party that may provide medicines, diagnostics, appointments, groceries, meals, connected devices, home care, veterinary care, or another product or service.

“User Content”

means text, voice, images, documents, records, measurements, messages, selections, feedback, and other material submitted to or created through the Services by a user.

“WhatsApp Service”

means Kramio functionality delivered through WhatsApp with the user’s authorization and subject to WhatsApp’s own terms and privacy practices.

4. What Kramio provides

4.1 Connected Care Intelligence

Kramio is a Connected Care Intelligence service for managing care for:

yourself;
people you care for; and
pets.

Depending on availability and permissions, Kramio may help users:

provide information by text, voice, photo, or document;
extract and organize information from records, prescriptions, reports, and messages;
maintain care information across conditions, medicines, allergies, diet and nutrition, vaccines and prevention, measurements, records, and things worth watching;
generate and update a care plan;
surface what may matter now;
suggest next steps;
maintain daily and weekly plans;
send reminders and check-ins;
coordinate Care Circle Members;
connect selected health information and devices;
prepare care summaries for sharing; and
prepare Approved Actions through Service Partners.

4.2 Home, Care, and Plan

Kramio may organize the experience into:

Home, which highlights what matters now;
Care, which shows the organized care picture; and
Plan, which shows actions, reminders, appointments, and upcoming care.

These are organizational tools. They are not clinical records or professional treatment plans.

4.3 Channels

The Services may be available through:

iOS and Android applications;
kramio.com;
WhatsApp;
notifications; and
other approved channels.

Third-party platform terms also apply to those channels.

4.4 Multilingual and voice features

Kramio may support multilingual text, transcription, voice input, and translated interfaces.

Speech recognition and translation may be incomplete or inaccurate. Review important information, especially:

medicine names;
dosages;
allergies;
dates;
measurements;
professional instructions; and
emergency information.

4.5 Feature and regional availability

Features, Connected Health Sources, Service Partners, languages, and transactions may vary by:

country;
device;
operating system;
app version;
partner coverage;
user eligibility; and
regulatory requirements.

4.6 Beta and preview features

Some features may be marked beta, preview, pilot, or early access.

They may:

be incomplete;
change without notice;
be unavailable at times; or
be discontinued.

If Kramio removes a paid feature during a prepaid period, Kramio will provide any remedy required by applicable law and may offer a replacement feature or proportionate refund.

4.7 Availability

Kramio aims to provide a reliable service but does not guarantee uninterrupted, real-time, or error-free availability.

Maintenance, network failures, device settings, operating-system restrictions, Service Partner outages, and third-party platform failures may affect the Services.

5. Care Subjects and Care Circles

5.1 Managing your own care

You may create a Care Subject for yourself.

5.2 Managing another adult’s care

You may add or manage information about another adult only if:

the person has consented;
you are legally authorized to act for them; or
another lawful basis permits you to manage the information.

Where practical, tell the person that you use Kramio to assist with their care.

If the person withdraws consent or your authority ends, stop adding or sharing their information and use the available controls to remove access or request deletion, subject to applicable law.

5.3 Children

Only a parent, lawful guardian, or another person with valid legal authority may create and manage a child Care Subject.

Kramio may request reasonable evidence of identity, age, parental responsibility, guardianship, or other authority.

5.4 Pets

You may create or manage a pet Care Subject if you are:

the owner;
an authorized caregiver; or
otherwise entitled to manage the pet’s care information.

5.5 Care Circle permissions

Care Circle access may include permission to:

view;
contribute; or
manage.

Permissions may differ by Care Subject and feature.

The person who controls the Care Subject is responsible for assigning appropriate permissions.

5.6 Invitations and acceptance

A Care Circle invitation does not provide access until it is accepted and any required consent is completed.

Care Circle Members must:

use shared information only for authorized care purposes;
protect the information;
comply with these Terms; and
stop using the information if access is withdrawn.

5.7 Removing access

Authorized users may change or revoke Care Circle access through the Services.

Removal stops future access through Kramio, but it cannot retrieve information a recipient previously exported, copied, or shared outside Kramio.

5.8 When a Care Subject joins Kramio

If a person whose information is being managed later creates their own Kramio account, Kramio may offer an identity-verification and linking process.

The linking process may change control, permissions, or visibility. Kramio will explain the proposed change before it takes effect.

6. AI Output and care intelligence

6.1 Kramio uses artificial intelligence

Kramio uses artificial intelligence and automated systems to:

understand information;
extract facts from documents and speech;
organize care information;
identify missing information;
generate summaries and suggestions;
prioritize items;
create and update plans; and
prepare proposed actions.

6.2 AI can be wrong

AI Output may be:

inaccurate;
incomplete;
inconsistent;
based on incorrect source information;
out of date; or
expressed with more confidence than is justified.

Always review important AI Output before relying on it.

6.3 Information status

Kramio may distinguish among:

user-reported information;
information extracted from a document or message;
confirmed care information;
professional instructions recorded from an authorized source;
Kramio Suggestions;
information that needs review;
information that needs more detail; and
unknown or conflicting information.

Do not assume an item is a confirmed fact merely because it appears in Kramio.

6.4 Dynamic care plans

Kramio may regenerate or update a care plan when information changes.

Kramio may preserve confirmed information, incorporate new information, and remove items a user has rejected or deleted, but users should review material changes.

6.5 Suggestions and next-best actions

Kramio may suggest:

questions to answer;
measurements to add;
reminders;
monitoring;
records to upload;
preventive-care items;
professional follow-up; or
an Approved Action.

A Kramio Suggestion is not a diagnosis, prescription, or instruction from a clinician.

6.6 Human-approved external actions

Unless a user has separately configured a permitted automatic reminder or notification, Kramio will require appropriate user approval before:

purchasing a product;
requesting a prescription refill;
booking a test or appointment;
contacting a Service Partner;
sharing care information;
sending a message on the user’s behalf; or
granting access to a Care Subject.

Kramio does not autonomously prescribe, change a medicine, change a dosage, or override a professional.

6.7 Model training and service improvement

Kramio does not use identifiable User Content or an identifiable Care Graph to train a model made generally available to other users unless the user separately opts in.

Kramio may use:

user feedback;
operational telemetry;
security events;
de-identified information;
aggregated statistics; and
synthetic test data

to evaluate, secure, and improve the Services, as described in the Privacy Notice.

7. Connected health and devices

7.1 User-controlled connection

A Connected Health Source is connected only after the user completes the applicable authorization process.

The user controls which supported sources and data types are authorized, subject to the controls made available by the operating system or provider.

7.2 Data may be incomplete or delayed

Connected data may be:

missing;
delayed;
duplicated;
entered manually;
attributed to the wrong device by a third party;
affected by battery, network, or synchronization issues; or
inaccurate because of the source device or application.

Kramio does not manufacture or calibrate third-party devices and does not guarantee their accuracy.

7.3 Not guaranteed real time

Background synchronization is not guaranteed to be immediate.

Kramio is not an emergency monitoring system and must not be used as a substitute for:

device alarms;
emergency services;
professional remote monitoring; or
clinician instructions.

7.4 Correct Care Subject

Connected information must be assigned to the correct Care Subject.

Do not connect or assign one person’s health information to another person or to a pet.

7.5 Disconnecting a source

Disconnecting a Connected Health Source stops future synchronization when technically possible.

It does not automatically delete information already imported into Kramio. Historical information can be managed through Kramio’s privacy and deletion controls, subject to applicable law.

7.6 Third-party terms

The device manufacturer, platform, health-data provider, or connected application may apply its own terms and privacy policy.

8. Plans, reminders, and Approved Actions

8.1 Plans and reminders

Kramio may generate or schedule:

medicine reminders;
measurement checks;
appointments;
tests;
vaccines;
diet plans;
follow-ups; and
custom tasks.

Users remain responsible for checking and completing important care activities.

8.2 Delivery is not guaranteed

Notifications and reminders may fail or arrive late because of:

network conditions;
device settings;
notification permissions;
battery settings;
operating-system restrictions;
WhatsApp availability; or
other technical issues.

Do not rely on Kramio as the only reminder for a critical medicine or safety-related activity.

8.3 Approved Actions

Before approving an action, review:

the Care Subject;
the product or service;
the provider;
price and taxes;
timing;
delivery or appointment details;
prescription requirements;
allergies and ingredients;
substitutions; and
information that will be shared.

8.4 Outcome information

Service Partners or users may provide status or outcome information back to Kramio.

Kramio may use this information to update the care plan, action status, reminders, and future suggestions.

9. Medical, veterinary, emergency, and professional limitations

9.1 Not a healthcare provider

Kramio is not a doctor, hospital, clinic, pharmacy, diagnostic laboratory, or emergency service.

Kramio does not itself:

diagnose;
treat;
prescribe;
dispense medicines;
perform a clinical test;
provide emergency response; or
replace a licensed professional.

9.2 General organizational support

Health-related features are intended to help users:

organize information;
remember tasks;
understand documents in plain language;
coordinate care;
monitor user-provided or connected information; and
prepare questions or actions.

They are not a substitute for professional medical advice.

9.3 Medicines

Always follow:

the prescription;
the dispensing label;
the pharmacist’s instructions; and
the treating professional’s directions.

Do not start, stop, substitute, or change a medicine or dosage because of AI Output.

9.4 Diagnostics and measurements

Kramio may organize measurements and test results, but interpretation can depend on:

age;
sex;
pregnancy;
species;
breed;
medical history;
medicines;
device method;
laboratory method;
reference range; and
professional context.

Consult an appropriate professional where interpretation or follow-up matters.

9.5 Diet, meals, groceries, and allergies

Diet and meal suggestions may not account for every:

allergy;
intolerance;
ingredient;
contamination risk;
religious requirement;
cultural preference;
availability issue;
medicine-food interaction; or
professional restriction.

Review ingredient, allergen, substitution, and preparation information supplied by the Service Partner before ordering or consuming a product.

9.6 Emergencies

Kramio is not intended for emergencies and may not respond in real time.

If you believe a person or animal is in immediate danger, contact the appropriate local emergency service or licensed professional.

Regional emergency references are included in the applicable Regional Terms.

9.7 Mental-health emergencies

Kramio is not a crisis service. Contact the local emergency or crisis resource where you are located.

9.8 Pets

Pet features do not replace a licensed veterinarian.

9.9 Professional users

If a clinician or professional caregiver participates in a Care Circle, that participation:

does not make Kramio a healthcare provider;
does not guarantee the professional is actively monitoring the account; and
does not create a professional relationship with Kramio.

9.10 No legal, financial, insurance, or tax advice

Any administrative information relating to insurance, benefits, documents, costs, or care arrangements is general organizational information and not legal, financial, insurance, or tax advice.

10. User Content and information about others

10.1 Ownership

You retain rights you hold in your User Content.

10.2 Limited license to Kramio

You grant Kramio a limited, non-exclusive, worldwide, royalty-free license to host, store, copy, transmit, transform, display, and process User Content only as reasonably necessary to:

provide the Services;
create and maintain the Care Graph;
personalize your experience;
process authorized actions;
operate connected features;
prevent fraud and abuse;
secure and troubleshoot the Services;
comply with law; and
perform the processing described in the Privacy Notice.

This license ends when the relevant User Content is deleted, except for:

temporary backups;
legal retention;
security records;
transaction records;
fraud-prevention records; and
information that another authorized user is independently entitled to retain.

10.3 Authority to provide information about others

When you provide information about another person, you confirm that:

the person has consented;
you are their parent or lawful guardian;
you have another valid legal authority; or
applicable law otherwise permits the processing.

10.4 Accuracy

Kramio relies on the information users provide.

You are responsible for correcting information you know is inaccurate or misleading.

10.5 Documents and sensitive identifiers

Do not upload:

passwords;
full payment-card details;
authentication codes;
unnecessary government-identification numbers; or
unrelated sensitive information.

Kramio may redact or mask identifiers it does not need.

10.6 Rights in uploaded content

Do not upload content that:

you do not have the right to use;
infringes intellectual-property rights;
violates confidentiality;
unlawfully reveals another person’s information; or
is prohibited by law.

11. Care-summary sharing, export, and third-party apps

11.1 User-controlled sharing

Kramio may allow users to create and share a care summary or export.

The user selects:

the Care Subject;
the included sections;
the format;
the recipient; and
the sharing application.

11.2 Information status must remain clear

Where practical, a shared summary identifies information as:

confirmed;
needs review;
needs information;
historical; or
a Kramio Suggestion.

11.3 Information leaving Kramio

When you share information through:

email;
WhatsApp;
Messages;
file storage;
a device share sheet; or
another application,

the recipient and third-party application may retain, copy, or further share it under their own practices.

Kramio cannot retrieve information after it has left the Services.

11.4 Original records

Kramio will not include an original uploaded record in an export unless the feature clearly allows the user to select it.

12. Service Partners and fulfillment

12.1 Independent providers

Service Partners are independent businesses or professionals.

Unless the checkout or booking flow expressly states that Kramio is the seller or merchant of record, the contract for a Service Partner’s product or service is between the user and that Service Partner.

12.2 Service Partner responsibility

The Service Partner is responsible for matters including:

licenses and registrations;
clinical or professional services;
availability;
pricing;
taxes;
quality;
substitutions;
fulfillment;
delivery;
appointments;
cancellations;
refunds; and
customer service.

12.3 Kramio’s role

Kramio may:

identify a relevant next step;
organize the required information;
display provider options;
prepare a cart, request, booking, or message;
request user approval;
transmit an Approved Action; and
receive status information.

Kramio does not guarantee that a Service Partner will accept or complete an action.

12.4 No automatic endorsement

Displaying or ranking a Service Partner does not by itself mean Kramio guarantees or professionally endorses that partner.

Kramio may consider:

relevance;
location;
availability;
user preferences;
service capability;
quality indicators;
commercial terms; and
other disclosed factors.

Sponsored placement, commissions, or referral fees will be disclosed where required.

12.5 Medicines and pharmacies

Prescription medicines remain subject to:

a valid prescription where required;
pharmacy review;
stock;
legal restrictions;
quantity limits; and
the pharmacist’s professional obligations.

Kramio does not prescribe or independently authorize substitutions.

12.6 Diagnostics

A diagnostic provider controls:

test eligibility;
preparation requirements;
collection;
laboratory method;
reference ranges;
turnaround time;
result quality; and
professional follow-up.

12.7 Groceries and meals

Product availability, ingredients, recipes, allergen statements, preparation methods, substitutions, and delivery conditions are controlled by the Service Partner.

12.8 Appointments and care services

A provider controls professional availability, eligibility, scope of service, scheduling, and professional responsibility.

12.9 Data shared with Service Partners

Kramio shares information with a Service Partner only after the required user authorization and only to the extent reasonably needed for the requested action, as described in the Privacy Notice.

12.10 Third-party terms

Service Partner terms, privacy notices, refund rules, and professional obligations also apply.

13. Privacy and security

13.1 Privacy Notice

The Kramio Privacy Notice explains:

what information Kramio collects;
why it is used;
the legal basis where required;
who receives it;
where it is processed;
how long it is retained;
how Kramio protects it;
how users exercise applicable rights; and
how to contact Kramio about privacy.

The Privacy Notice is available at kramio.com/privacy.

Regional privacy supplements are available at:

kramio.com/privacy/india
kramio.com/privacy/uk
kramio.com/privacy/us

13.2 Health and care information

Health and care information is sensitive.

Where law requires explicit consent or another specific authorization, Kramio will request it separately from acceptance of these Terms.

13.3 Security measures

Kramio uses administrative, technical, and organizational safeguards designed to protect information.

No system is completely secure. Users must also protect their accounts and devices.

13.4 User controls

Depending on the feature and applicable law, Kramio may provide controls to:

review information;
correct information;
export information;
delete a Care Subject;
delete an account;
disconnect a source;
revoke Care Circle access;
withdraw a consent; or
change notifications.

13.5 Regional privacy rights

Privacy rights differ by region and are described in the applicable Privacy Notice and regional supplement.

14. WhatsApp and electronic communications

14.1 Opt-in

Kramio sends consent-based WhatsApp messages only after the applicable opt-in or authorization process.

14.2 Stopping WhatsApp messages

Users may use the available controls or recognized opt-out instruction to stop applicable WhatsApp messages.

Some account, security, or legally required notices may still be delivered through another permitted channel.

14.3 Third-party platform

WhatsApp and Meta operate the WhatsApp platform.

Their terms and privacy practices apply to transmission through WhatsApp.

14.4 Electronic notices

You agree that Kramio may provide contractual and service notices electronically through:

the app;
email;
WhatsApp;
push notification;
the website; or
another contact method you have authorized.

15. Fees, subscriptions, and purchases

15.1 Free and paid features

Kramio may offer free features, paid subscriptions, one-time purchases, partner transactions, or promotional access.

The applicable price, billing period, taxes, and key terms will be shown before purchase.

15.2 Payment processors

Payments may be processed by:

Apple App Store;
Google Play;
a payment processor;
Kramio; or
a Service Partner.

The relevant payment-provider terms also apply.

Kramio does not store full card credentials when payment processing is handled by a third party.

15.3 Automatic renewal

If a subscription renews automatically, Kramio will disclose:

the recurring price;
billing frequency;
trial terms;
renewal terms; and
cancellation method

before purchase.

15.4 Cancellation

Users can cancel a Kramio subscription using the method shown at purchase or through the applicable app store or account setting.

Cancellation normally takes effect at the end of the current paid period unless applicable law or purchase terms provide otherwise.

15.5 Trials

If a trial converts to a paid subscription, the trial length and post-trial price will be disclosed before enrollment.

15.6 Refunds

Refund rights depend on:

the purchase channel;
the applicable Regional Terms;
the app-store or payment-provider rules; and
mandatory consumer law.

15.7 Price changes

Kramio may change subscription prices.

Kramio will provide the notice required by applicable law and the purchase channel before a changed recurring price applies.

15.8 Service Partner charges

Service Partner purchases are separate from Kramio subscription fees unless expressly stated.

16. Acceptable use

You must not use the Services to:

1. violate law or another person’s rights;
2. access, monitor, or collect information about a person without consent or lawful authority;
3. impersonate another person or misrepresent your authority;
4. upload unlawful, infringing, abusive, malicious, or deceptive content;
5. exploit a child or vulnerable person;
6. harass, threaten, or discriminate against another person;
7. distribute malware or harmful code;
8. probe, attack, overload, disrupt, or circumvent the Services;
9. access another user’s information without authorization;
10. bypass, disable, or interfere with safety, privacy, consent, or approval controls;
11. insert malicious instructions into documents, images, messages, or connected inputs to manipulate Kramio;
12. extract hidden prompts, credentials, secrets, or restricted internal information;
13. scrape, reverse engineer, resell, or create a competing service from Kramio except where applicable law expressly permits;
14. use Kramio to provide unlicensed medical, veterinary, pharmacy, diagnostic, financial, legal, insurance, or other regulated services;
15. use Kramio for surveillance, unlawful profiling, or unauthorized decision-making about another person; or
16. use a consumer account for an unauthorized commercial purpose.

Kramio may investigate suspected misuse and may restrict or suspend access where reasonably necessary to protect users, third parties, or the Services.

17. Intellectual property

17.1 Kramio property

Kramio or its licensors own the Services and related intellectual property, including:

software;
interface design;
workflows;
documentation;
Kramio-generated taxonomies and configurations;
Care Graph technology;
models and model adaptations owned or licensed by Kramio;
trademarks;
logos; and
service content.

17.2 User license

Subject to these Terms, Kramio grants you a limited, personal, non-exclusive, non-transferable, revocable license to use the Services for authorized personal and household purposes.

17.3 AI Output

As between you and Kramio, you may use AI Output generated for your personal and household purposes, subject to:

these Terms;
third-party rights;
professional restrictions; and
applicable law.

AI Output may not qualify for copyright protection and similar output may be generated for other users.

17.4 Feedback

If you submit feedback or suggestions, Kramio may use them without payment or obligation, provided Kramio does not publicly identify you without permission.

17.5 Third-party content

Third-party software, data, content, and services remain subject to their own rights and licenses.

18. Suspension, account closure, and deletion

18.1 Closure by the user

You may stop using Kramio at any time.

You may use the available settings or contact support@kramio.com to:

delete a Care Subject;
remove a Care Circle Member;
export available information; or
close your account.

18.2 Suspension or closure by Kramio

Kramio may restrict, suspend, or close an account if:

these Terms are materially breached;
the account presents a security or safety risk;
use appears fraudulent or unlawful;
required by law or a valid legal order;
necessary to protect another person; or
the Services are discontinued.

Where reasonable and lawful, Kramio will provide notice and an opportunity to respond.

18.3 Effect of closure

After closure, access to the account ends.

Kramio will delete or de-identify information according to the Privacy Notice and applicable law, subject to limited retention for:

legal obligations;
security;
fraud prevention;
transactions;
dispute resolution;
audit; and
legal claims.

18.4 Survival

Terms that by their nature should continue after closure remain in effect, including provisions concerning:

ownership;
prior Approved Actions;
payment obligations;
disclaimers;
liability;
disputes;
records required by law; and
information already shared outside Kramio.

19. Disclaimers and liability

19.1 Service provided as available

To the extent permitted by law, the Services are provided on an “as available” basis.

Kramio does not guarantee that:

AI Output is accurate or complete;
a reminder will arrive on time;
a connected source will synchronize;
a Service Partner will be available;
a transaction will be accepted;
a care plan will cover every relevant issue; or
the Services will be uninterrupted.

19.2 User and professional responsibility

You remain responsible for reviewing important information and making decisions.

Licensed professionals and Service Partners remain responsible for the products and professional services they provide.

19.3 Third-party services

Kramio is not responsible for a third party’s:

platform outage;
professional judgment;
product;
service;
price;
substitution;
delay;
cancellation;
privacy practice; or
legal compliance,

except to the extent Kramio is responsible under applicable law or an express written commitment.

19.4 Foreseeable consumer losses

Nothing in these Terms excludes or limits liability that cannot lawfully be excluded or limited.

Where consumer law applies, Kramio is responsible for losses that are a foreseeable result of Kramio’s breach of these Terms or failure to use reasonable care and skill, subject to applicable law.

19.5 Business losses

The Services are intended for personal and household use unless a separate agreement states otherwise.

Kramio is not responsible for business losses arising from use under a consumer account, including loss of profit, business opportunity, goodwill, or business data, to the extent permitted by law.

19.6 Force majeure

Kramio is not responsible for delay or failure caused by events beyond reasonable control, including:

natural disaster;
epidemic;
government action;
war or civil disorder;
widespread network or power failure;
cyberattack despite reasonable safeguards;
third-party platform outage; or
labor disruption.

20. Changes to the Services and Terms

20.1 Service changes

Kramio may add, change, or remove features.

Kramio will provide notice where a change materially reduces a paid feature during a current paid period, as required by law.

20.2 Changes to these Terms

Kramio may update these Terms to reflect:

changes in law;
changes in the Services;
new features;
security or safety requirements;
Service Partner relationships; or
business changes.

20.3 Notice

Kramio will provide reasonable notice of material changes through the app, website, email, WhatsApp, or another authorized channel, unless a change is required sooner for legal, security, or safety reasons.

20.4 Continued use and renewed acceptance

Where law permits, continued use after the effective date of updated Terms constitutes acceptance.

Where required by law or appropriate for a material change, Kramio will ask users to affirmatively accept the updated Terms.

21. General terms

21.1 Informal resolution

Before starting a formal dispute, contact support@kramio.com and give Kramio a reasonable opportunity to resolve the issue.

21.2 Governing law and disputes

The applicable Regional Terms determine governing law, courts, arbitration, and mandatory consumer forums.

21.3 Entire agreement

These Terms, the Privacy Notice, applicable Regional Terms, and feature-specific or transaction terms form the agreement concerning the Services.

21.4 Severability

If a provision is found invalid or unenforceable, the remaining provisions continue to apply.

21.5 No waiver

Failure to enforce a provision is not a waiver.

21.6 Assignment

You may not transfer your account or contractual rights without Kramio’s written consent.

Kramio may transfer its rights and obligations as part of:

a merger;
financing;
reorganization;
acquisition;
corporate restructuring; or
sale of relevant assets,

subject to applicable notice and privacy obligations.

21.7 Language

Kramio may provide translations.

If translations conflict, the English version controls to the extent permitted by applicable law.

21.8 Contact

Global support:

Kramio [GLOBAL LEGAL ENTITY, IF APPLICABLE]

[GLOBAL ADDRESS]

Email: support@kramio.com

Security: support@kramio.com

Privacy: support@kramio.com

Website: kramio.com

Regional Terms — India

These India Regional Terms apply if your ordinary residence is India.

If they conflict with the Global Terms, these India Regional Terms control for users in India.

IN-1. Contracting entity

The Services are provided to users in India by:

[INDIA LEGAL ENTITY NAME]

CIN: [CIN]

Registered office: [INDIA REGISTERED ADDRESS]

Support: support@kramio.com

IN-2. Electronic agreement

These Terms are intended to constitute an electronic record under the Information Technology Act, 2000 and applicable rules.

Your electronic acceptance forms a binding agreement without a physical signature.

IN-3. Age and children

Only users aged 18 or older may create an Account.

A child Care Subject may be managed only by a parent, lawful guardian, or another person with valid authority.

Kramio may take steps required by the Digital Personal Data Protection Act, 2023 and the Digital Personal Data Protection Rules, 2025, to the extent they are in force and applicable.

IN-4. Privacy

For users in India, Kramio processes personal data in accordance with the Kramio Privacy Notice, the India Privacy Supplement, and applicable Indian law, including the Digital Personal Data Protection Act, 2023 and rules made under it to the extent in force and applicable.

Kramio’s role as Data Fiduciary, applicable consent notices, user rights, grievance process, retention, data locations, and cross-border processing are described in the India Privacy Supplement.

IN-5. Consumer protection and transactions

Nothing in these Terms limits non-waivable rights under applicable Indian consumer law.

Where Kramio facilitates an e-commerce transaction, applicable disclosures will be provided in accordance with relevant law.

Prices for Kramio purchases in India will be shown in INR and will state applicable taxes before purchase.

Purchases through Apple, Google, a payment processor, or a Service Partner remain subject to their applicable terms.

IN-6. Emergency information

Kramio is not an emergency service.

For an emergency in India, contact the appropriate local emergency service, including 112, or seek immediate professional help.

Ambulance availability and numbers may vary by state or provider.

For mental-health crisis support, use the current government or local crisis service available where you are located.

IN-7. Grievance Officer

Grievances relating to the Services may be submitted to:

Name: [GRIEVANCE OFFICER NAME]

Designation: Grievance Officer

Entity: [INDIA LEGAL ENTITY NAME]

Address: [INDIA REGISTERED ADDRESS]

Email: support@kramio.com

Phone: [INDIA GRIEVANCE PHONE]

Hours: [BUSINESS HOURS, IST]

Kramio will acknowledge and address grievances within the timelines required by applicable law.

This section does not prevent you from using any statutory complaint or consumer forum available to you.

IN-8. Governing law and disputes

These Terms are governed by the laws of India.

Please contact Kramio first and allow up to 30 days for an informal resolution.

Subject to mandatory consumer and statutory rights, an unresolved dispute may be referred to a sole arbitrator under the Arbitration and Conciliation Act, 1996.

Proposed seat and venue: [INSERT CITY AND STATE AFTER COUNSEL REVIEW]

Language: English

Nothing in this clause prevents a user from approaching:

a Consumer Disputes Redressal Commission;
a data-protection authority or board;
a statutory grievance body; or
another forum available under mandatory law.

Regional Terms — United Kingdom

These United Kingdom Regional Terms apply if your ordinary residence is England, Wales, Scotland, or Northern Ireland.

If they conflict with the Global Terms, these United Kingdom Regional Terms control for users in the United Kingdom.

UK-1. Contracting entity

The Services are provided to UK users by:

[UK OR GLOBAL CONTRACTING ENTITY NAME]

Company number: [COMPANY NUMBER, IF APPLICABLE]

Registered office: [REGISTERED ADDRESS]

UK representative: [INSERT IF REQUIRED]

Support: support@kramio.com

UK-2. Consumer rights

Nothing in these Terms excludes or limits rights that cannot be excluded under UK consumer law.

Paid digital services and digital content must meet the standards required by applicable law, including being as described and provided with reasonable care and skill where those duties apply.

UK-3. Privacy and health data

UK health data is generally special-category personal data.

Kramio processes UK personal data under the Kramio Privacy Notice, the UK Privacy Supplement, the UK GDPR, and the Data Protection Act 2018, each as amended.

Where required, Kramio will identify:

a lawful basis under Article 6;
an Article 9 condition for health data;
any applicable Schedule 1 condition;
international-transfer safeguards; and
the user’s applicable rights.

Users may complain to the UK Information Commissioner’s Office, after first giving Kramio a reasonable opportunity to address the concern.

UK-4. Subscriptions and cancellation

The price, billing period, automatic-renewal terms, and cancellation method will be shown before purchase.

If you purchase directly from Kramio, you may have a statutory cancellation right, subject to applicable exceptions, including where digital supply or service performance begins at your express request and you acknowledge the effect on cancellation rights.

Purchases through Apple or Google are also subject to their store terms and processes.

UK-5. Emergency information

Kramio is not an emergency service.

For an emergency in the UK, call 999 or 112.

For urgent medical help that is not an emergency, use the applicable NHS service, including 111 where available.

UK-6. Governing law and courts

Mandatory consumer rights in the part of the UK where you live remain unaffected.

To the extent a choice of law is permitted:

the laws of England and Wales govern these Terms for users in England and Wales;
the laws of Scotland govern for users in Scotland; and
the laws of Northern Ireland govern for users in Northern Ireland.

Users may bring proceedings in the courts available to them under applicable consumer law.

Regional Terms — United States

These United States Regional Terms apply if your ordinary residence is in the United States.

The US entity is registered in Delaware and was formed on 8 April 2026. The registered-agent address listed below is used as the company address in this draft.

If they conflict with the Global Terms, these United States Regional Terms control for US users.

US-1. Contracting entity

The Services are provided to US users by:

Kramio AI LLC

Registered Agent: ZenBusiness Inc.

Registered Agent Address: 611 South Dupont Highway, Suite 102, Dover, DE 19901

Registration State: Delaware

Formation Date: 8 April 2026

Support: support@kramio.com

US-2. Consumer health information

The Kramio Privacy Notice and US Privacy Supplement explain Kramio’s collection, use, disclosure, retention, and protection of consumer health information.

Depending on the relevant function and relationship, US health-app information may be governed by:

the Federal Trade Commission Act;
the FTC Health Breach Notification Rule;
applicable state privacy laws;
consumer-health-data laws; and
other federal or state requirements.

Kramio does not represent that all consumer account information is governed by HIPAA.

If Kramio acts as a Business Associate to a HIPAA-covered entity under a written Business Associate Agreement, that agreement governs the relevant protected health information.

US-3. Children

Only adults aged 18 or older may create Kramio Accounts.

Kramio is not directed to children under 13 and does not knowingly allow them to create accounts.

A parent or lawful guardian may manage a child Care Subject, subject to Kramio’s verification, consent, and privacy processes.

US-4. State privacy rights

Users may have rights under applicable state laws, including rights concerning:

access;
correction;
deletion;
portability;
sensitive-data consent;
withdrawal of consent;
appeals; and
disclosures or sales of personal data.

The US Privacy Supplement explains applicable rights and how to exercise them.

US-5. Subscriptions and cancellation

Recurring subscription terms, price, billing frequency, trial terms, and cancellation method will be clearly disclosed before purchase.

Users may cancel using the method shown at purchase or the applicable app-store or account setting.

Additional federal and state automatic-renewal rights may apply.

US-6. Emergency information

Kramio is not an emergency service.

For an emergency in the United States, call 911.

For suicide or mental-health crisis support, call or text 988 where available.

US-7. Governing law and disputes

These Terms are governed by the laws of [INSERT STATE], without regard to conflict-of-law rules, except that mandatory consumer laws of your state of residence remain applicable. Subject to any right to bring a claim in small-claims court or another mandatory forum, the state and federal courts located in [INSERT COUNTY AND STATE] have non-exclusive jurisdiction.