LEGAL

Terms and Conditions

Version: v1.0 · Effective Date: May 24, 2026 · Last Updated: June 16, 2026

1. Acceptance of These Terms

These Terms and Conditions (the "Terms") form a binding agreement between you and HelloStello, LLC, a California limited liability company ("HelloStello," "we," "us," or "our"), and govern your access to and use of the HelloStello mobile application, related websites, and any other services we offer in connection with HelloStello (collectively, the "Service").

By creating a HelloStello account, downloading the HelloStello mobile application, tapping Create Account during onboarding, or otherwise accessing or using the Service, you agree to these Terms and to our Privacy Policy, which is incorporated into these Terms by reference. If you do not agree, do not access or use the Service.

PLEASE READ SECTION 17 (Dispute Resolution; Binding Arbitration; Class-Action Waiver) CAREFULLY. It limits your ability to bring claims against HelloStello in court and requires that most disputes be resolved by binding individual arbitration.

If you are entering into these Terms on behalf of a company or other legal entity, you represent that you have authority to bind that entity, and "you" refers to that entity.

2. Eligibility

You must be at least 13 years old to create a HelloStello account or use the Service.

If you live in a jurisdiction where the digital age of consent for online services is higher than 13 (for example, certain EU member states), you must meet that higher age or have verifiable parental or guardian consent. You also represent that you are not barred from receiving the Service under the laws of the United States or your country of residence (including any applicable export-control and sanctions regulations).

If we learn that an account belongs to a person under the applicable minimum age, we will terminate the account.

3. The Service

HelloStello is a vocabulary-learning mobile application that helps you build language vocabulary through customizable flashcards, quizzes, and spaced-repetition study. Vocabulary content is generated by artificial-intelligence tools in response to prompts and the proficiency level you supply.

We may add, remove, or modify features of the Service at any time. The initial release of the Service supports English-speaking users learning Spanish on Apple iOS; additional languages and platforms may be added in future releases. Some features may be made available on a beta or experimental basis and may be discontinued at any time without notice.

We grant you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to download, install, and use the Service for your personal, non-commercial language-learning use only, subject to these Terms.

4. Your Account

You must create an account to use most features of the Service. You agree:

To provide accurate, current, and complete information during onboarding and to keep your account information up to date;
To keep your password and other authentication credentials confidential and not share them with anyone;
To be responsible for all activity that occurs under your account, whether or not authorized by you;
To notify us promptly if you believe your account has been used without your authorization or your credentials have been compromised; and
Not to create an account using another person's information or identity, or under a name that violates someone else's rights.

You may delete your account at any time from Profile → Account → Delete account. We may suspend or terminate your account as described in Section 13.

5. Acceptable Use

When you use the Service you agree not to:

Use the Service for any unlawful, fraudulent, harmful, infringing, or deceptive purpose, or to violate any applicable law or regulation;
Submit prompts or other content that is unlawful, defamatory, harassing, hateful, obscene, sexually explicit, exploitative of minors, threatening, or that depicts or promotes self-harm, violence, or illegal acts;
Submit prompts intended to circumvent our Copyright filter (which blocks substantial verbatim reproduction of copyrighted text) or our Obscenity filter (which blocks slurs, sexual content, and other obscenities);
Submit personal information about any third party without their consent;
Upload or transmit any virus, worm, malware, or other malicious code, or attempt to interfere with the integrity or performance of the Service;
Probe, scan, or test the vulnerability of the Service; bypass or attempt to bypass any security or access measures; or access the Service or its data through any means other than the interfaces and methods we make available;
Reverse engineer, decompile, disassemble, or otherwise attempt to derive the source code, underlying ideas, structure, or algorithms of the Service, except to the limited extent these restrictions are prohibited by applicable law;
Use the Service or its outputs to develop a competing product or service, or to train or develop any artificial-intelligence model;
Scrape, crawl, harvest, copy, or otherwise extract content from the Service in bulk, except through our public-facing interfaces and in compliance with these Terms;
Use the Service to send unsolicited communications, advertising, or spam;
Resell, rent, lease, sublicense, distribute, or otherwise transfer your access to the Service to any third party; or
Misrepresent your age, identity, or affiliation, including by creating multiple or false accounts.

We may refuse, remove, or block content; suspend or terminate accounts; and take any other action we determine is necessary to enforce these Terms or protect the Service, our users, or third parties.

6. Your Content

6.1 What is "Your Content"

"Your Content" means anything you submit, upload, or post to the Service, including the natural-language prompts you submit to the Deck Builder, +Card, and Enhance features; the words you submit through +Card; the names you give your decks; any feedback, suggestions, or messages you send to us; and any other content you provide.

6.2 Ownership and License

As between you and HelloStello, you retain ownership of Your Content. By submitting Your Content to the Service, you grant HelloStello a worldwide, non-exclusive, royalty-free, sublicensable, transferable license to host, store, reproduce, process, transmit, display, and create derivative works from Your Content solely to the extent necessary to operate, provide, secure, audit, improve, and develop the Service, to enforce these Terms, and to comply with applicable law. This license continues for so long as we host Your Content and survives termination only for backup, audit-log, security, and legal-compliance purposes consistent with our Privacy Policy.

HelloStello will not sell Your Content. HelloStello will not use Your Content to train its own foundation models or those of any third-party AI provider for general model improvement; see Privacy Policy Section 6.2 for our agreement with our AI provider regarding training.

6.3 Your Representations

You represent and warrant that (a) you own or have all rights, licenses, and permissions necessary to grant the license in Section 6.2 for Your Content; (b) Your Content does not violate any law or any third party's intellectual-property, privacy, publicity, or other rights; and (c) Your Content complies with these Terms.

6.4 Feedback

If you provide us with feedback, suggestions, or ideas about the Service ("Feedback"), you grant HelloStello a perpetual, irrevocable, worldwide, royalty-free, fully sublicensable license to use, modify, exploit, and incorporate the Feedback into HelloStello products and services for any purpose, without compensation or attribution to you.

7. AI-Generated Content

Vocabulary cards, example sentences, fill-in-the-blank prompts, synonym/antonym suggestions, and other learning materials in the Service are generated by artificial-intelligence models in response to your prompts and your selected proficiency level.

Accuracy is not guaranteed. AI-generated content can contain errors, mistranslations, awkward phrasing, culturally inappropriate examples, outdated information, or content that does not match your learning objective. HelloStello applies automated Copyright and Obscenity filters and conducts sampled human review of generated cards, but does not warrant that any specific card or output is accurate, complete, useful, or fit for any particular purpose.

Not professional advice. AI-generated content is provided for educational and language-learning purposes only. It is not, and you must not rely on it as, medical, legal, financial, professional, or safety-critical advice. Always consult a qualified professional for advice that you act on.

Reporting issues. If you encounter inaccurate, offensive, or otherwise problematic AI-generated content, you can remove the card from your deck and (where the feature is available) report it. We use these signals — along with the audit process described in our Privacy Policy — to improve content quality over time.

8. Usage Limits and Fair Use

To keep the Service stable and economical to operate while we are in the early access / Free-tier phase, we apply monthly usage limits to certain actions. As of the Effective Date these limits are:

5 decks built per calendar month via the Deck Builder
5 Enhance sessions per calendar month (each Enhance adds 10 cards to a deck)
20 cards added per calendar month via the +Card feature

All three counters reset at the start of each calendar month (UTC). When you reach a limit, the relevant action will be blocked until the next month begins, and you will see an in-app notice. We may change these limits and may introduce additional limits if needed to prevent abuse, protect Service stability, or comply with our agreements with third-party providers. We will provide reasonable advance notice of material reductions to limits where practicable.

We may impose tighter rate limits at the request level, or block specific accounts, where we observe activity that appears automated, abusive, or otherwise inconsistent with normal personal use.

9. Subscriptions, Paid Plans, and Billing (When Offered)

HelloStello's initial release is offered free of charge with no paid plans. We may introduce paid subscriptions, premium features, or other paid plans ("Paid Plans") at any time. The following terms apply when and if Paid Plans are offered.

9.1 Billing via the HelloStello Website

Paid Plans are sold through the HelloStello website at hellostello.app, not through Apple's in-app-purchase system. To purchase, view, change, or cancel a Paid Plan, sign in to your HelloStello account at hellostello.app and visit your Account settings.

Payment is processed by our third-party payment processor (currently Stripe, Inc.), which handles your payment-card information using industry-standard security practices. Your purchase is subject to the payment processor's terms and privacy policy in addition to these Terms. HelloStello does not store your payment-card information on our own servers; we receive only the limited transaction metadata necessary to associate the payment with your account (for example, the last four digits of the card, the card brand, and the transaction confirmation).

9.2 Auto-Renewal

Auto-renewing subscriptions continue to renew on the same schedule and at the then-current price until canceled. You can cancel at any time from your Account settings at hellostello.app. Cancellation takes effect at the end of the current billing period: you will continue to have access to Paid Plan features until that period ends, and you will not be charged for any subsequent period.

9.3 Free Trials

If we offer a free trial, the trial begins when you start it and ends after the period stated at the time of signup. If you do not cancel before the trial ends, the subscription will begin at the then-current price. You can cancel a free trial at any time from your Account settings at hellostello.app.

9.4 Price Changes

We may change the price of any Paid Plan from time to time. Price increases will not apply to your current paid period; we will provide reasonable advance notice of a price change for renewal, and your continued subscription after a price change becomes effective constitutes acceptance of the new price.

9.5 Refunds

Except as required by law, Paid Plan fees are non-refundable. If you believe you have been charged in error or you would like to request a refund as a matter of customer-service goodwill, contact us at support@hellostello.app within 30 days of the charge and we will review your request in good faith. We will respond within a reasonable time. Refunds, when granted, are processed through the same payment method used for the original transaction.

9.6 EU/UK Right of Withdrawal

If you are a consumer in the EU, UK, or Switzerland you may have a statutory right of withdrawal from a Paid Plan purchase within 14 days of the purchase. By starting to use a Paid Plan during the withdrawal period you expressly request immediate performance and acknowledge that you may lose the right of withdrawal once the Service has been fully performed. To exercise the right of withdrawal, contact us at support@hellostello.app within 14 days of purchase.

9.7 Access from the HelloStello iOS App

Your subscription status is associated with your HelloStello account, not with any particular device. After you purchase a Paid Plan at hellostello.app, your subscription is reflected in the HelloStello iOS app the next time the app refreshes your account state (typically the next sign-in or automatic refresh). Paid Plan features (such as raised monthly usage limits, removal of advertising when offered, and any other Paid Plan benefits) are applied automatically.

9.8 Taxes

Prices displayed at checkout are exclusive of taxes unless otherwise stated. We collect applicable taxes (such as sales tax, value-added tax, or goods-and-services tax) where required by law. The tax amount and the total charged will be displayed at checkout before you confirm the purchase.

10. Advertising (When Offered)

The initial release of the Service does not contain advertising. We may introduce advertising in a future release as the first monetization step for the Free tier. When and if advertising is introduced:

Any use of Apple's advertising identifier (IDFA) will be subject to your affirmative consent through the iOS App Tracking Transparency framework;
You will be able to opt out of personalized advertising from the in-app Profile settings;
We will pre-screen ad creatives through the same Copyright and Obscenity filters described in Section 5;
Paid-Plan subscribers will not see advertising in any surface where ads are otherwise enabled; and
Sponsorship-style placements (for example, an ad-flashcard slot within a study session, or a banner in the Deck Library) will be clearly labeled as advertising.

Our Privacy Policy describes how advertising-related information is collected, used, and shared.

11. Intellectual Property

The Service, including the HelloStello name, logo, mobile application, website, design, gamification system, card layouts, the curated decks we ship, our content filters, our algorithms, and the look and feel of the Service, is owned by HelloStello, LLC and is protected by United States and international copyright, trademark, and other intellectual-property laws.

Except for the limited license granted in Section 3 and as expressly permitted by these Terms, HelloStello reserves all rights in the Service. Nothing in these Terms grants you any right, title, or interest in the Service, the HelloStello name or marks, or any other HelloStello intellectual property. You may not use any HelloStello name, logo, or trademark without our prior written permission.

If you believe any content in the Service infringes your copyright, send a DMCA notice to copyright@hellostello.app with all of the elements required by 17 U.S.C. § 512(c)(3). We will respond consistent with applicable law.

12. Privacy

Our Privacy Policy describes how we collect, use, and share personal information. By using the Service you agree that we may process your personal information in accordance with the Privacy Policy.

13. Suspension and Termination

You may stop using the Service and delete your account at any time from Profile → Account → Delete account, or by emailing us at the address in Section 22.

We may suspend or terminate your account, restrict your access to the Service, remove your content, or take any other action we determine to be appropriate at any time, with or without notice, if:

We reasonably believe you have violated these Terms, applicable law, or the rights of any third party;
Your account has been inactive for an extended period;
We discontinue the Service in whole or in part;
Required by law, court order, or governmental request; or
Necessary to protect the security, integrity, or operation of the Service or the safety of others.

On termination, the licenses granted in Section 3 cease, and we may delete your account and content consistent with the retention practices described in our Privacy Policy. Sections 5 (Acceptable Use), 6.4 (Feedback), 7 (AI-Generated Content), 11 (Intellectual Property), 14 (Disclaimers), 15 (Limitation of Liability), 16 (Indemnification), 17 (Dispute Resolution), 18 (Governing Law and Venue), and 21 (General Provisions) survive termination.

14. Disclaimers

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, THE SERVICE AND ALL CONTENT MADE AVAILABLE THROUGH THE SERVICE ARE PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS AND WITHOUT WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, OR STATUTORY. HELLOSTELLO, ITS AFFILIATES, AND ITS LICENSORS DISCLAIM ALL WARRANTIES, INCLUDING ANY IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY OF DATA, QUIET ENJOYMENT, AND ANY WARRANTIES ARISING OUT OF COURSE OF DEALING OR USAGE OF TRADE.

Without limiting the above, we do not warrant that the Service will be uninterrupted, secure, or error-free; that any AI-generated content will be accurate, complete, current, or appropriate for your purposes; that defects will be corrected; or that the Service is free of viruses or other harmful components. You assume all responsibility for your use of the Service and for any reliance you place on AI-generated content.

Some jurisdictions do not allow the exclusion of certain warranties. To the extent any such warranty cannot be disclaimed in your jurisdiction, the disclaimer is limited as required by law and HelloStello's liability is limited to the maximum extent permitted.

15. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT WILL HELLOSTELLO, ITS AFFILIATES, OR ITS LICENSORS, OR ANY OF THEIR RESPECTIVE OFFICERS, DIRECTORS, EMPLOYEES, OR AGENTS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, EXEMPLARY, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUES, DATA, GOODWILL, OR OTHER INTANGIBLE LOSSES, ARISING OUT OF OR IN CONNECTION WITH THESE TERMS OR THE SERVICE, WHETHER BASED ON CONTRACT, TORT (INCLUDING NEGLIGENCE), STRICT LIABILITY, OR ANY OTHER LEGAL THEORY, AND WHETHER OR NOT HELLOSTELLO HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, HELLOSTELLO'S TOTAL AGGREGATE LIABILITY ARISING OUT OF OR RELATED TO THESE TERMS OR THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID TO HELLOSTELLO FOR THE SERVICE IN THE TWELVE (12) MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

Some jurisdictions do not allow the limitation or exclusion of liability for certain damages. To the extent these limitations are prohibited by law in your jurisdiction, the limitations do not apply to you and HelloStello's liability is limited to the maximum extent permitted by law.

Nothing in these Terms limits HelloStello's liability for (i) fraud or fraudulent misrepresentation; (ii) death or personal injury caused by HelloStello's negligence; or (iii) any other liability that cannot be excluded or limited under applicable law.

16. Indemnification

To the maximum extent permitted by applicable law, you agree to defend, indemnify, and hold harmless HelloStello, its affiliates, and their respective officers, directors, employees, contractors, and agents from and against any and all claims, demands, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to: (a) your access to or use of the Service; (b) Your Content; (c) your violation of these Terms; (d) your violation of any applicable law or the rights of any third party; or (e) your reliance on any AI-generated content. We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate with our defense.

17. Dispute Resolution; Binding Arbitration; Class-Action Waiver

PLEASE READ THIS SECTION CAREFULLY. IT REQUIRES YOU TO ARBITRATE DISPUTES INDIVIDUALLY WITH HELLOSTELLO AND LIMITS YOUR ABILITY TO PARTICIPATE IN CLASS ACTIONS.

17.1 Informal Resolution First

Before filing a claim against HelloStello, you agree to first contact us at the address in Section 22 and provide a written description of the dispute, your contact information, and the relief you seek. We will attempt to resolve the dispute informally for at least 60 days before either party initiates arbitration.

17.2 Binding Arbitration

If we are unable to resolve a dispute informally, you and HelloStello agree that any dispute, claim, or controversy arising out of or relating to these Terms or the Service (each, a "Dispute") will be resolved by binding individual arbitration administered by JAMS under its applicable rules then in effect, except that you may elect to bring an individual claim in small-claims court if it qualifies.

The arbitration will take place in San Francisco, California, or, at your option, by telephone or videoconference. If your claim is for less than $10,000, the arbitration may be conducted entirely on the papers without a hearing.
The arbitrator — not any federal, state, or local court or agency — has exclusive authority to resolve any Dispute, including the scope, enforceability, and arbitrability of these Terms.
The arbitrator's award is final and binding and may be entered as a judgment in any court of competent jurisdiction.
This arbitration agreement is governed by the Federal Arbitration Act, 9 U.S.C. § 1 et seq.

17.3 Class-Action Waiver

You and HelloStello agree that any Dispute will be brought only on an individual basis, not as a plaintiff or class member in any purported class, collective, consolidated, or representative proceeding. The arbitrator may not consolidate or join more than one person's claims and may not preside over any form of representative or class proceeding. If this Section 17.3 is held to be unenforceable as to any particular claim, that claim will be severed from the arbitration and brought in court, while all other claims will proceed in arbitration.

17.4 Exceptions

This Section 17 does not require arbitration of: (a) individual claims that qualify for small-claims court in a venue near your residence; (b) actions to enforce or protect intellectual-property rights (including injunctive or equitable relief); or (c) any claim that cannot be arbitrated as a matter of law.

17.5 30-Day Right to Opt Out

You may opt out of this Section 17 by sending written notice of your decision to opt out to legal@hellostello.app within 30 days of first accepting these Terms (or, if these Terms are later updated to add an arbitration provision, within 30 days of that update). Your notice must include your name, the email associated with your account, and a clear statement that you want to opt out of arbitration. Opting out will not affect any other provision of these Terms or your use of the Service.

18. Governing Law and Venue

These Terms and any Dispute arising out of or relating to these Terms or the Service are governed by the laws of the State of California, United States, without regard to its conflict-of-laws principles. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

For any matter not subject to arbitration under Section 17, you and HelloStello consent to the exclusive jurisdiction of the state and federal courts located in San Francisco County, California, and waive any objection to venue or inconvenient forum in those courts.

If you are a consumer located in the EU, UK, or another jurisdiction with mandatory consumer-protection laws, nothing in this Section deprives you of the protection of those laws, and you may bring claims in the courts of your country of residence to the extent required by those laws.

19. Apple-Specific Terms

Because the Service is offered through Apple's App Store, the following terms apply between you, HelloStello, and Apple Inc. ("Apple"):

These Terms are between you and HelloStello, not Apple. HelloStello — not Apple — is solely responsible for the Service and its content.
Your license to use the HelloStello mobile application is limited to a non-transferable license to use the app on any Apple-branded products that you own or control, and as permitted by the App Store Terms of Service.
Apple has no obligation to provide any maintenance and support services for the Service.
If the Service fails to conform to any applicable warranty, you may notify Apple, and Apple will refund the purchase price of the Service (if any) to you. To the maximum extent permitted by applicable law, Apple has no other warranty obligation with respect to the Service.
HelloStello — not Apple — is responsible for addressing any claims by you or any third party relating to the Service or your possession or use of it, including product-liability claims, claims that the Service fails to conform to any applicable legal or regulatory requirement, and claims arising under consumer-protection or similar legislation, including in connection with your use of any health and fitness data.
In the event of any third-party claim that the Service or your possession and use of the Service infringes that third party's intellectual-property rights, HelloStello — not Apple — will be solely responsible for the investigation, defense, settlement, and discharge of any such claim.
You represent that you are not located in a country subject to a U.S. government embargo, or that has been designated by the U.S. government as a "terrorist-supporting" country, and that you are not on any U.S. government list of prohibited or restricted parties.
Apple and its subsidiaries are third-party beneficiaries of these Terms and, on your acceptance of these Terms, Apple will have the right (and will be deemed to have accepted the right) to enforce these Terms against you as a third-party beneficiary.

20. Changes to These Terms

We may update these Terms from time to time. When we do, we will:

Update the Last Updated date at the top of these Terms;
Post the revised Terms in the Service and on any public-facing site where the Terms are hosted; and
If the changes are material, provide additional notice (for example, via email, an in-app notice, or a banner the next time you open the Service) before the changes take effect.

If you do not agree to the updated Terms, you must stop using the Service. Your continued use of the Service after the updated Terms take effect constitutes acceptance of the updated Terms.

21. General Provisions

Entire Agreement. These Terms, together with the Privacy Policy and any other policies referenced in these Terms, constitute the entire agreement between you and HelloStello regarding the Service and supersede all prior or contemporaneous agreements regarding the Service.

Severability. If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will remain in full force and effect, and the invalid or unenforceable provision will be enforced to the maximum extent permitted by law.

No Waiver. HelloStello's failure to enforce any right or provision of these Terms is not a waiver of that right or provision.

Assignment. You may not assign or transfer these Terms or any rights or obligations under them without our prior written consent. We may assign these Terms or any of our rights or obligations under them at any time without your consent, including in connection with a merger, acquisition, financing, reorganization, or sale of assets.

Notices. We may give you notice through in-app messages, email to the address on your account, or posted notices in the Service. You consent to receive notices electronically. Notices to HelloStello must be sent to the address in Section 22.

Force Majeure. HelloStello is not liable for any failure or delay in performance due to causes beyond its reasonable control, including acts of God, war, terrorism, civil unrest, pandemic, labor disputes, government action, internet failures, or third-party-service outages.

No Agency. Nothing in these Terms creates any agency, partnership, joint-venture, or employment relationship between you and HelloStello.

Headings. Section headings are for convenience only and do not affect interpretation.

22. Contact

For questions, legal notices, or any matter related to these Terms:

HelloStello, LLC
Attn: Legal
857 W Grand Ave
Oakland, California 94607
United States

Email: legal@hellostello.app
Support: support@hellostello.app
Copyright (DMCA): copyright@hellostello.app

End of Terms and Conditions.