Terms of Service

Last updated 21 October 2026

These Terms of Service ("Terms") are a legal agreement between you and Xuroe L.L.C. ("Xuroe", "we", "us") and govern your use of the Xuroe platform, website, booking and chat pages, messaging and voice services, and related services (together, the "Service"). By creating an account, clicking "I agree", or using the Service, you accept these Terms and our Privacy Policy. If you are accepting on behalf of a business, you confirm that you have authority to bind it.

1. Who these Terms apply to

The Service has two kinds of users, and some sections apply only to one of them:

• Businesses — companies and their owners, administrators and staff who use a Xuroe workspace to run their business ("Business", "you"). Sections 3 to 8 and 13 are mainly for Businesses.
• Customers — people who book, pay, chat or call a Business through pages, numbers or channels the Business runs on Xuroe ("Customer"). Section 9 is for Customers. Customers do not need an account.

Xuroe provides the software. Each Business is solely responsible for the services it sells, the appointments it delivers, its prices, its policies and its conduct towards its Customers. Xuroe is not a party to any transaction between a Business and a Customer, except that Xuroe acts as merchant of record for card payments as described in Section 5.

2. Definitions

• Workspace — a Business's account on the Service, including its data, settings, staff members and connected channels.
• Business Data — all information a Business or its Customers submit to or generate in a Workspace, including Customer records, bookings, messages, call transcripts, files, staff and HR records and financial records.
• AI Features — the automated voice assistant, messaging assistant and related tools that answer calls and messages on a Business's behalf.
• Subscription — the paid plan and add-on modules a Business selects, billed periodically.
• Usage Credits — prepaid allowances of AI minutes and AI message credits consumed by the AI Features.
• Platform Fee — the percentage and/or fixed fee Xuroe retains from card payments it collects for a Business.

3. Accounts and Workspaces

• You must be at least 18 years old and able to form a binding contract to create a Workspace.
• You must give accurate, complete information when you register and keep it up to date, including a valid billing contact.
• You are responsible for everything that happens under your Workspace, including the actions of the staff members you invite and the permissions you give them. Keep your password confidential and tell us at once if you suspect unauthorised use.
• The person designated as the Workspace owner has full control of the Workspace, including the right to close it, transfer ownership and receive payouts. Disputes about who controls a Workspace are between the Business and its personnel; we may follow the instructions of the registered owner.
• We may suspend or limit access to a Workspace while we investigate suspected fraud, abuse, non-payment or a security incident.

4. Subscriptions, Usage Credits and billing

• Pricing. Subscription prices, add-on modules, per-seat charges and Usage Credit packages are shown in the app or in your order form. Prices exclude taxes unless stated; you are responsible for any VAT, sales tax, withholding or similar tax, and we may add it to your invoice.
• Billing. Subscriptions are billed in advance for each billing period (monthly, quarterly or annually) and renew automatically until cancelled. Usage Credits are billed when purchased and do not renew unless you choose a recurring package. Where a Business pays by card, you authorise us and our payment processor to charge the card on file; where a Business pays by bank transfer, invoices are due within 14 days.
• No overage charges. When Usage Credits run out, the AI Features stop until credits are topped up. We will alert you as your balance runs low. We do not automatically charge for use beyond your allowance.
• Changes. You may upgrade at any time; the difference is charged pro rata. Downgrades and cancellations take effect at the end of the current billing period. Unused Subscription time and unused Usage Credits are not refunded unless the law requires it.
• Price changes. We may change prices with at least 30 days' notice by email or in-app. The new price applies from your next renewal after the notice period.
• Late payment. If a payment fails or an invoice is unpaid 14 days after it is due, we may suspend the Workspace after notice, charge a reasonable late fee or interest where permitted, and, if the account remains unpaid for 60 days, terminate it (Section 13).
• Free trials. A trial ends on the date shown in the app. Unless you subscribe before it ends, the Workspace becomes read-only and may be deleted 30 days later.
• Fee waivers. We may waive or reduce the Subscription or the Platform Fee for a particular Business by written agreement; a waiver of one does not waive the other.

5. Customer payments processed through the Service

A Business may enable card payments on its booking pages. When it does, the following applies:

• Xuroe is merchant of record. Card payments are collected by Xuroe through our payment processor (Stripe) into Xuroe's account. Xuroe's name appears on the Customer's statement together with the Business's name. Xuroe pays the card-processing costs and is responsible to the card networks for refunds, chargebacks and disputes on those payments.
• Platform Fee. Xuroe retains the Platform Fee agreed with the Business (the default is 10% of each card payment, and the fee may be changed for a Business by written agreement or set to zero). The Platform Fee is deducted per booking when funds are released.
• Holding and release. Funds are held by Xuroe until the booked appointment has taken place plus a short release buffer (normally 24 hours), then paid to the Business's payout account, less the Platform Fee and any payout costs, on the next scheduled payout run. We may hold funds longer where we reasonably believe a payment is fraudulent, disputed, or likely to be refunded, or where the Business's payout account is not yet verified.
• Payout account. To receive funds, the Business must complete verification with our payout partner (Stripe, or a bank or Wise account for countries Stripe does not serve) and keep its details accurate. Payouts may be delayed while verification is incomplete. Amounts below the minimum payout threshold roll over to the next run.
• Refunds. The Business decides whether to refund a Customer, subject to its published cancellation policy and applicable consumer law, and issues refunds through the Service. Xuroe refunds the Customer's card. If the Business has already been paid out for that booking, the Business authorises Xuroe to recover the refunded amount by reversing the payout or deducting it from future payouts ("clawback").
• Chargebacks and disputes. If a Customer disputes a card payment, the Business must give Xuroe the evidence needed to respond within 5 days of our request. If the dispute is lost, the Business authorises Xuroe to recover the disputed amount and any dispute fee by clawback. Repeated disputes may lead to holds or removal of card payments.
• Negative balances. If clawbacks exceed pending payouts, the Business must pay the shortfall within 14 days of our invoice.
• Cash, bank transfer and other payments a Business records in the Service are between the Business and its Customer; Xuroe does not collect or guarantee them.
• Taxes on sales. The Business is responsible for charging, collecting, reporting and remitting any tax on the services it sells, and for the accuracy of the tax settings in its Workspace.

6. Acceptable use

You must not, and must not allow others to:

• Use the Service for anything unlawful, deceptive, harmful or fraudulent, or to sell goods or services that are illegal where you or your Customers are located.
• Send spam, unsolicited marketing or messages without the recipient's consent, or contact people who have opted out.
• Upload malware, or content that is defamatory, obscene, infringing, or that you have no right to use.
• Impersonate any person or business, or misrepresent an automated assistant as a human.
• Access another Business's Workspace or data, probe or test the security of the Service without permission, or bypass rate limits or access controls.
• Reverse engineer, copy, resell, sublicense or build a competing product from the Service.
• Use the Service to process highly sensitive data — such as full card numbers, government ID numbers, or health records — except in fields designed for that purpose and in compliance with the laws that apply to it.
• Exceed reasonable use of AI Features, storage or messaging in a way that degrades the Service for others.

We may remove content or suspend accounts that breach this section.

7. Messaging, voice and AI Features

Channels and consent

• You are responsible for obtaining any consent the law requires before messaging or calling a Customer, for honouring opt-outs, and for complying with the telemarketing, anti-spam and data protection laws of every country in which your Customers are located (for example the TCPA and CAN-SPAM in the United States, PECR in the United Kingdom, and the GDPR).
• Use of WhatsApp through the Service is also subject to the WhatsApp Business Terms of Service, the WhatsApp Business Messaging Policy and Meta's Commerce Policy. You must not use WhatsApp for prohibited categories or send messages Meta classifies as marketing without an approved template and opt-in. Meta may charge for conversations under its own pricing, which we pass through or include in Usage Credits as described in the app.
• Use of SMS and voice numbers is subject to Twilio's Acceptable Use Policy and carrier rules. Phone numbers provisioned through the Service remain assigned to your Workspace only while your Subscription is active and may be reassigned 30 days after termination.
• Where the law requires notice that a call is recorded or handled by an automated system, you are responsible for enabling that notice and for informing callers.

AI Features

• The AI Features generate responses automatically from your knowledge base, services, opening hours and the conversation itself. They can be inaccurate, incomplete or inappropriate. You are responsible for reviewing what the assistant does on your behalf, for the accuracy of the information you give it, and for the bookings, quotes and commitments it makes to your Customers. Bookings the assistant creates are requests until you confirm them.
• You must not configure the assistant to give medical, legal or financial advice, to claim to be human, to collect payment details in chat, or to discriminate against any person.
• AI Features rely on third-party model providers (Section 11). We may change providers or models to maintain the Service, and availability may vary.
• AI minutes and message credits are consumed as described in the app; a call or message that fails for reasons within our control is not charged.

8. Business Data and your obligations to your Customers

• You own your Business Data. You grant us a worldwide, non-exclusive licence to host, copy, process, transmit and display it only as needed to provide the Service, comply with law, and as described in our Privacy Policy.
• You are the controller. As between you and us, you determine why and how your Customers' and staff's personal data is collected, and we process it on your instructions. You must have a lawful basis for collecting it, publish a privacy notice to your Customers, obtain any consents required, and respond to your Customers' rights requests. We will assist as described in the Privacy Policy.
• Data processing agreement. If the law requires it (for example the GDPR or UK GDPR), our standard data processing terms are incorporated into these Terms and are available on request.
• Accuracy and backups. You are responsible for the accuracy of the data you enter. We keep backups for disaster recovery, but you should export copies of important data regularly using the export tools in the app.
• Imports. If you import data from another system, you confirm you have the right to do so.
• Aggregated data. We may use data about how the Service is used, aggregated or de-identified so it cannot identify you or any individual, to operate and improve the Service.

9. Terms for Customers

If you book, pay, chat or call a Business through pages, numbers or channels run on Xuroe:

• Your contract is with the Business. The Business — not Xuroe — provides the service you book, sets its prices, cancellation and refund policies, and is responsible for delivering it. Questions and complaints about a booking go to the Business.
• Card payments. When you pay by card, the payment is collected by Xuroe as merchant of record on behalf of the Business and "XUROE*" plus the Business's name appears on your statement. Refunds are issued by the Business according to its policy and returned to your original card by Xuroe. You agree not to dispute a charge with your card issuer before contacting the Business or us to resolve it.
• Accuracy. You must give accurate contact and booking details and must be the person named, or authorised to book for them.
• Automated assistants. A Business may use an automated assistant to answer your call or message. It will tell you it is automated if you ask, and you can ask to speak to a person at any time. Information the assistant gives is subject to the Business's confirmation.
• Messaging. By messaging or calling a Business you agree to receive replies and transactional messages about your booking on the same channel. Reply STOP to an SMS, or block the WhatsApp number, to stop.
• Your data. The Business controls the information you provide; see our Privacy Policy and the Business's own policy. To request deletion, see our Data Deletion page.
• Acceptable use. Section 6 applies to you as well.

10. Intellectual property and feedback

• The Service, including its software, design, text, logos and trademarks, is owned by Xuroe or its licensors and is protected by intellectual-property laws. We grant you a limited, non-exclusive, non-transferable, revocable licence to use the Service in accordance with these Terms for your internal business purposes. No other rights are granted.
• You may not use the Xuroe name or logo without our written permission, except that a Business may state that it uses Xuroe for bookings and may display the "Powered by Xuroe" notice on its public pages.
• If you send us ideas, suggestions or feedback, you grant us a perpetual, irrevocable, royalty-free licence to use them without obligation to you.
• If you believe content on the Service infringes your rights, email support@xuroe.com with details and we will investigate.

11. Third-party services

The Service depends on third-party providers, including Stripe (payments and payouts), Meta (WhatsApp), Twilio (telephony and SMS), Anthropic and ElevenLabs (AI models), Cloudflare and Railway (hosting), Resend (email) and Wise (bank payouts). Your use of those providers through the Service is also subject to their terms, and we are not responsible for their acts, omissions, outages or changes. Where you connect your own account with a third party (for example your own WhatsApp Business number or Stripe account), you authorise us to access it as needed to provide the Service and you may disconnect it at any time.

12. Confidentiality

Each of us will keep the other's non-public information confidential, use it only to perform under these Terms, and protect it with reasonable care. This does not apply to information that is public through no fault of the recipient, already known to the recipient, independently developed, or required to be disclosed by law (with notice where permitted). Your Business Data is your confidential information; our pricing, roadmap and non-public product details are ours.

13. Term, suspension and termination

• These Terms apply from the moment you first use the Service until your Workspace is closed.
• By you. You may cancel your Subscription at any time from the app or by emailing support@xuroe.com. Cancellation takes effect at the end of the current billing period.
• By us. We may suspend or terminate the Service immediately if you materially breach these Terms (including non-payment, acceptable-use violations or messaging-policy breaches), if required by law or a provider such as Meta or Stripe, or if your use creates risk to the Service or others. We may otherwise terminate on 30 days' notice, in which case we will refund any prepaid Subscription for the unused period.
• Effect. On termination your right to use the Service ends. For 30 days you may export your Business Data using the export tools or by asking us; after that we delete it as described in the Privacy Policy, except records we must keep by law (for example payment and tax records). Amounts owed become immediately due, and we will pay any remaining payouts owed to you after final clawbacks and fees.
• Sections that by their nature should survive (fees owed, payments and clawbacks, intellectual property, confidentiality, disclaimers, limitation of liability, indemnification, governing law) survive termination.

14. Warranties and disclaimers

We will provide the Service with reasonable skill and care. Otherwise, the Service is provided "as is" and "as available". To the fullest extent permitted by law we disclaim all warranties, express or implied, including merchantability, fitness for a particular purpose, non-infringement, and any warranty that the Service, the AI Features or any third-party channel will be uninterrupted, error-free, secure, or free of inaccurate output. We do not warrant the services, conduct or solvency of any Business or Customer. Nothing in these Terms excludes rights that cannot be excluded under the consumer-protection laws that apply to you.

15. Limitation of liability

To the fullest extent permitted by law: (a) neither party is liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, revenue, goodwill or data, however caused; and (b) Xuroe's total liability arising out of or relating to the Service in any 12-month period will not exceed the greater of the fees you paid us in those 12 months (excluding amounts we collected on your behalf and paid out to you) and USD 100. These limits do not apply to a party's liability for fraud, death or personal injury caused by negligence, breach of confidentiality, your payment obligations, your indemnification obligations, or anything that cannot be limited by law.

16. Indemnification

You will defend, indemnify and hold harmless Xuroe and its officers, employees and contractors from any claim, loss, liability, fine or expense (including reasonable legal fees) arising from: your Business Data; the services you sell and your dealings with Customers; your breach of these Terms, of a messaging or payment-network policy, or of applicable law; refunds, chargebacks and disputes on payments collected for you; or the actions of your staff. We will notify you promptly of any claim and let you control its defence, provided you do not settle in a way that admits fault on our behalf without our consent.

17. Governing law and disputes

These Terms are governed by the laws of the State of Wyoming, United States, without regard to conflict-of-law rules. Before starting any formal proceeding, you agree to contact us at support@xuroe.com and try in good faith to resolve the dispute for 30 days. Any dispute not resolved that way will be brought in the state or federal courts located in Wyoming, United States, and each party submits to their jurisdiction, except that either party may seek injunctive relief in any court, and consumers may bring claims in the courts of their home country where the law gives them that right. To the extent permitted by law, claims must be brought individually and not as part of a class or representative action.

18. Changes to these Terms

We may update these Terms. For material changes we will give Businesses at least 30 days' notice by email or in-app; other changes take effect when posted with a new "Last updated" date. If you do not agree to a change you may cancel before it takes effect. Continued use after the effective date means you accept the new Terms.

19. General

• These Terms, the Privacy Policy, any order form and any data processing agreement are the entire agreement between you and us about the Service and replace any earlier agreement.
• You may not assign these Terms without our consent; we may assign them to an affiliate or a successor in a merger or sale.
• Neither party is liable for delay or failure caused by events beyond its reasonable control, except for payment obligations.
• If any part of these Terms is unenforceable, the rest remains in effect. Our failure to enforce a right is not a waiver of it.
• We may send notices to the email address on your account; you may send notices to the addresses in Section 20.
• Nothing in these Terms creates a partnership, joint venture, agency or employment relationship between you and us.
• These Terms are written in English; any translation is for convenience only.

20. Contact

Xuroe L.L.C., 30 N Gould St, Ste R, Sheridan, Wyoming, 82801, United States

Support, Legal notices and Privacy Questions: support@xuroe.com

Postal address: Xuroe L.L.C., 30 N Gould St, Ste R, Sheridan, Wyoming, 82801