The CEO Staff Terms of Service

Effective date: 15 August 2026

Article 1 (Purpose)

These Terms set out the rights, obligations and responsibilities of Concerto Labs (the "Company") and its users, together with the conditions and procedures for using The CEO Staff (the "Service").

Article 2 (Definitions)

The terms used in these Terms have the following meanings.

1. "Service" means everything the Company provides, including The CEO Staff application, the website (theceostaff.com) and the web viewer for shared meeting records.
2. "User" means a person who agrees to these Terms and uses the Service.
3. "Account" means the email address and password, or the social login details, registered by the user for identification.
4. "Invitation code" means the six-digit verification code used to activate an account or grant benefits when the Company operates an invitation program.
5. "Session" means the unit running from the moment the user starts speech recognition in the Service to the moment they end it.
6. "Meeting content" means everything the user registers or the Service generates in the course of a session — audio, recordings, transcripts, translations, answer scripts, summaries, live meeting records, meeting reports, knowledge base documents, FAQ, Memory entries and information about meeting counterparts.
7. "Usage minutes" means the per-plan allowance of session time, provided on a monthly basis.
8. "Paid service" means the subscriptions and additional paid products the user pays for.

Article 3 (Publication and amendment of these Terms)

① The Company posts these Terms on the Service's initial screen or on the website so that users can readily read them.

② The Company may amend these Terms to the extent that this does not conflict with applicable law, including the Act on the Regulation of Terms and Conditions, the Act on the Consumer Protection in Electronic Commerce and the Act on Promotion of Information and Communications Network Utilisation and Information Protection.

③ Where the Company amends these Terms, it gives notice from 7 days before the effective date, stating that date and the reason for the amendment. Where the change is unfavourable to users, notice is given from 30 days before the effective date and individually by in-service notification or email.

④ A user who does not accept the amended Terms may terminate their agreement before the effective date. If, despite the notice under paragraph 3, the user does not indicate refusal by the effective date, they are deemed to have accepted the amended Terms.

Article 4 (Formation of the agreement)

① The agreement is formed when the user accepts these Terms and applies to register, and the Company accepts that application.

② During the beta service period, registering an account is sufficient to use the Service. The Company may operate an invitation program depending on how the Service is run, in which case it will announce the scope and conditions on the service screens or the website.

③ Where an invitation program is in operation, an invitation code expires 72 hours after it is issued, and the number of people each account may invite may be limited.

④ The Company may refuse an application, or later terminate the agreement, in any of the following cases.

1. The applicant has misappropriated another person's identity or information
2. The applicant has given false information or omitted information the Company requires
3. The applicant has previously been restricted for breaching these Terms
4. The applicant is under 14 years of age
5. The application otherwise breaches applicable law or risks seriously impairing the operation of the Service

⑤ The Company may defer acceptance where its facilities are at capacity or where there is a technical or operational impediment.

Article 5 (Account management)

① Users must manage their own account details and may not let a third party use them, or transfer or lend them.

② Passwords must be at least 10 characters and include at least one letter and one digit. The Company may refuse a password known to have appeared in a breach.

③ Users may enable quick sign-in with the biometric authentication provided by the operating system (macOS Touch ID, Windows Hello and the like). In that case anyone able to access the device can access the user's account, so the user must manage the security of the device themselves. Whether quick sign-in is available depends on the operating system and the device.

④ A user who learns that their account has been used without authorisation must notify the Company immediately and follow its instructions. The Company is not liable for disadvantage arising from a failure to notify.

Article 6 (What the Service does)

① The Company provides the following features. What each feature covers in practice depends on the plan and on the Service's interface.

1. Real-time speech recognition — converting the user's microphone input and the other party's audio played on the device into text in real time, recorded with speakers distinguished
2. Answer script generation — drafting answers from the knowledge base, FAQ and Memory entries the user has registered, and displaying them on screen
3. Real-time translation and interpretation — translations of the other party's speech and of the answer script
4. Live summary and live meeting record — the key points of the meeting in progress and a time-stamped record
5. Question coach — suggested follow-up keywords and sentence completion
6. Knowledge base, FAQ and Memory management — document registration (txt/md/pdf/docx), folder classification, question-and-answer entries, and automatic recording of positions stated in meetings
7. Meeting rehearsal — practice question-and-answer sessions based on the counterpart information the user has registered, and research of public information
8. Prompter mode — assistance in reading aloud a script the user has written
9. Meeting report — a title, structured summary, insights, transcript and recording generated once the session ends
10. Export — summaries and transcripts in TXT, CSV, MD, PDF or DOCX; recordings in MP3 or WebM
11. Web sharing of meeting records — sharing a meeting record as a web link
12. Unified search — searching across sessions, the knowledge base and settings
13. Overlay display and screen-share hiding — displaying an overlay above the video meeting window and hiding it from screen sharing, recording and screenshots

② The Company may add to, change or discontinue any feature under paragraph 1 in the interests of quality or where technically necessary. In that case it gives advance notice under Article 17.

③ The Service is provided as a desktop app for macOS and Windows. The features and scope of support may differ by operating system, and the Company may change the operating systems and versions it supports. Support for any particular operating system at any particular time is not guaranteed.

Article 7 (How the Service is provided, and the operating environment)

① The Service is provided 24 hours a day, all year round, as a matter of principle.

② Users must have the following in order to use the Service.

1. A device running an operating system supported by the Service (macOS or Windows)
2. Permission granted for microphone access and for system audio capture (the name of the permission and the way it is granted differ by operating system)
3. A stable internet connection

③ Communication charges and the cost of devices and peripherals needed to use the Service are borne by the user.

④ The Company may change how the application is installed and distributed. Depending on the distribution format, the operating system may require a separate confirmation step during installation; this does not constitute a defect in the Service.

⑤ The Service's real-time features depend on the response times of the speech recognition and artificial intelligence providers and on the user's network conditions, and the Company does not guarantee any particular response time.

Article 8 (AI-generated output)

① The answer scripts, translations, summaries, meeting reports, rehearsal responses and research results the Service provides are reference material generated by artificial intelligence.

② AI-generated output may be inaccurate or incomplete. Before using it as it stands, the user must verify the facts and its lawfulness for themselves, and the consequences of that use rest with the user.

③ The Company designs the Service to generate answers grounded in the knowledge base, FAQ and Memory entries the user has registered, but does not warrant that the output is accurate, complete or fit for any particular purpose.

④ The Service does not replace professional judgement in legal, medical, tax, investment or similar matters.

⑤ The Company uses external providers for AI processing; the specifics are set out in the Privacy Policy. The Company may change the providers and models it uses in the interests of quality and reliability.

⑥ The Service does not make automated decisions with legal or similarly significant effects on the user.

Article 9 (User obligations regarding recording and transcription)

① Speech recognition and recording in the Service begin through the user's own action, and the Company processes them on the user's instructions.

② Before any recording or transcription takes place, the user is responsible for informing meeting participants and obtaining any consent required by the applicable law.

③ Korea's Protection of Communications Secrets Act prohibits recording by someone who is not a party to the conversation, and some countries and regions — California in the United States, for example — require the consent of every participant. Users must check the law that applies to them and to the other party.

④ The Company is not liable for disputes or damage arising from a user's failure to meet the obligation in paragraph 2, and where the Company suffers damage as a result the user must compensate it.

⑤ Where unlawful use is established, the Company may restrict use of the Service under Article 18.

Article 10 (Storage of meeting content and the user's backup responsibility)

① Meeting content is stored on the user's device, encrypted per account, and is not kept on the Company's servers. The meeting-record sharing feature in Article 11 is the exception.

② As the Company does not hold meeting content it cannot read it, and it holds no backup and therefore cannot help with recovery.

③ Meeting content cannot be recovered in the following cases.

1. The user deletes the application or its stored data
2. The device is reset or replaced
3. The credential store of the operating system (the macOS keychain, the Windows Data Protection API and the like) is damaged or reset and the encryption key cannot be read
4. The user signs in from another device (automatic synchronisation between devices is not supported)

④ Users are responsible for keeping important meeting content separately using the export feature. The Company is not liable for losses arising from the causes in paragraph 3.

⑤ Where a user deletes a session, document or Memory entry within the Service, that material is destroyed immediately and the Company cannot restore it.

Article 11 (Sharing meeting records)

① Users may share a meeting record as a web link. When sharing is activated, the record's title, summary, time-stamped entries, speaker names, participant details and transcript are stored on the Company's servers.

② The recording file itself is not included in what is shared and is not stored on the servers.

③ Users may set the scope of sharing to "anyone with the link" or "participants only", and may revoke sharing at any time. Once revoked, links already sent no longer give access.

④ Before sharing a meeting record, the user must satisfy themselves that sharing any third-party information it contains is lawful.

⑤ Where a user enters participants' email addresses to send them the link, the user must inform those third parties and obtain any necessary consent.

Article 12 (Material registered by the user)

① The user is responsible for the content and lawfulness of the material they register in the knowledge base, the FAQ or as counterpart information (the "registered material").

② Users warrant that their registered material does not infringe third-party rights such as copyright, trade secrets or personal data.

③ The Company claims no ownership or intellectual property rights in the registered material and does not use it beyond what is necessary to provide the Service.

④ The Company does not use users' registered material or meeting content to train or fine-tune artificial intelligence models.

⑤ The Service supports documents only in the prescribed formats (txt, md, pdf, docx), and the number and volume of documents that may be registered is limited by plan.

Article 13 (Paid service)

① The Company differentiates monthly usage minutes and features by plan. The composition of the plans, their prices, the minutes provided and knowledge base limits are set out on the pricing screen within the Service.

② Paid services are paid for in advance in three-month or one-year terms and, where recurring payment is used, renew for the same term.

③ Once payment completes, the entitlement is granted to the account immediately; there is no separate delivery step.

④ Usage minutes are granted at the interval set for the plan; whether unused minutes carry over, and how long carried-over minutes remain valid, is as set out on the pricing screen.

⑤ Users may purchase additional paid products in order to use more than the minutes provided.

⑥ The Company may change its plans and prices. Changes do not affect a term already paid for, and where prices rise the Company gives notice at least 30 days before renewal.

⑦ The Company may offer free allowances, invitation rewards and promotional benefits. Minutes granted free of charge cannot be refunded in cash or transferred to another person.

⑧ Even where the usage limit is exceeded, the Company may choose not to block the start of a session; in that case it notifies the user about the excess afterwards.

Article 14 (Withdrawal and refunds)

① Withdrawal of subscription, cancellation and refunds for paid services are governed by the Paid Service Withdrawal, Cancellation and Refund Policy, published separately by the Company.

② Users who have not used any of the minutes provided may obtain a full refund within 7 days of the payment date.

③ Users may request cancellation at any time after those 7 days, and the Company refunds the amount corresponding to the remaining term. Minutes used in excess of the share allocated pro rata to the elapsed term are, however, reconciled and deducted.

④ The Company does not impose any penalty or cancellation fee for cancelling mid-term.

Article 15 (User obligations)

① Users must not do any of the following.

1. Misappropriate another person's account, or share an account with another person
2. Sell invitation codes or distribute them improperly
3. Create duplicate accounts in order to obtain complimentary minutes or promotional benefits improperly
4. Reverse-engineer, decompile or disassemble the Service, or attempt to extract its source code
5. Extract or use credentials or access keys embedded in the Service
6. Access the Service by automated means, or place an abnormally excessive load on it
7. Use the Service to develop a product or service that competes with the Company
8. Resell the Service or lend it to a third party
9. Record or transcribe another person's conversation in breach of the law
10. Use the Service to defame others or infringe their rights
11. Interfere with the proper operation of the Service

② Users must comply with applicable law and with these Terms when using the Service.

Article 16 (Company obligations)

① The Company endeavours to provide the Service continuously and reliably, as required by applicable law and these Terms.

② The Company establishes and observes a privacy policy in order to protect users' personal data.

③ Where the Company recognises that a user's representation is well founded, it acts on it and informs the user of the process and the outcome.

Article 17 (Changes to and suspension of the Service)

① The Company may temporarily suspend all or part of the Service in the following cases.

1. Maintenance, inspection, replacement or failure of equipment
2. Force majeure such as a power failure, network fault or natural disaster
3. A fault or policy change at an external provider the Service relies on
4. Any other case where the Company has an urgent operational need

② Where the Company suspends the Service it gives advance notice of the reason and the period. Where unavoidable circumstances make advance notice impossible, it gives notice afterwards without delay.

③ Where the Company discontinues the Service entirely it gives notice at least 30 days beforehand and takes the steps needed for users to export their meeting content. In that case the amount corresponding to the remaining term is refunded under the refund policy.

④ Redress where the Service cannot be used normally through the Company's fault follows the refund policy.

Article 18 (Restriction of use and termination)

① Users may terminate their agreement at any time through the settings in the Service or through customer support.

② Where a user breaches Article 15, the Company may restrict use of the Service or terminate the agreement after giving prior notice. In urgent cases — account misappropriation, an attack on the Service, manifest illegality — it may restrict use immediately and give notice afterwards.

③ The Company gives the user an opportunity to explain before restricting use. This does not apply in the cases described in the proviso to paragraph 2.

④ On termination, the user's account and the related information the Company holds are dealt with as set out in the privacy policy. Meeting content stored on the user's device must be deleted by the user.

⑤ Even where use is restricted for breach of these Terms, the Company does not uniformly forfeit the unused prepaid amount; it is dealt with under the refund policy.

Article 19 (Intellectual property)

① Intellectual property rights in the Service and its components (software, design, trade marks, documents and the like) belong to the Company.

② Users may not reproduce, distribute, transmit, publish or create derivative works from the Service beyond what the Company has expressly permitted.

③ The Company grants users the right to use AI-generated output to the extent permitted by applicable law. The legal status of AI-generated material is, however, governed by applicable law and by each AI provider's policy, and the Company does not warrant that the user acquires exclusive rights in that output.

④ Rights in material registered by the user are reserved to the user.

Article 20 (Liability and exclusions)

① The Company is not liable for damage arising from any of the following.

1. Force majeure such as a natural disaster or war
2. An impediment to use of the Service attributable to the user
3. A failure by the user to meet the notice and consent obligations in Article 9
4. Loss of meeting content because the user did not meet the backup responsibility in Article 10
5. The user's use of AI-generated output without verification
6. Judgements the user has made on the basis of information obtained through the Service

② The Company has no obligation to intervene in disputes arising between users, or between a user and a third party, through the Service, and is not liable for their outcome.

③ Save where the Company has acted intentionally or with gross negligence, the total damages payable by the Company to a user do not exceed the fees the user actually paid the Company in the three months preceding the point at which the damage arose.

④ Paragraph 3 does not apply to damage caused by the Company's intent or gross negligence, damage to life or person, or any other case where applicable law does not permit liability to be limited.

⑤ For services provided free of charge, the Company bears no liability in damages save where it has acted intentionally or with gross negligence.

Article 21 (Protection of personal data)

① The Company complies with applicable law in order to protect users' personal data; the specifics are set out in the Privacy Policy, published separately.

② The Company does not use users' conversations to train artificial intelligence models.

Article 22 (Notices)

① Where the Company gives notice to a user it may do so by one or more of the following: the email address the user registered, an in-service notification, or a notice on the website.

② For notices to users generally, the Company may substitute a posting on the website for at least 7 days for individual notice. Matters materially affecting a user's own transactions are, however, notified individually.

Article 23 (Dispute resolution)

① The Company and users will consult in good faith to resolve any dispute relating to the Service amicably.

② Where consultation does not succeed, users may apply to the Korea Consumer Agency for redress, or to the Consumer Dispute Settlement Commission for mediation, under the Framework Act on Consumers.

③ These Terms are governed by and construed in accordance with the law of the Republic of Korea.

④ The court with jurisdiction over litigation arising from use of the Service is determined under the Civil Procedure Act.

Article 24 (Special provision for corporate customers)

① Where the Company and a corporate customer have concluded a separate agreement, that agreement prevails over these Terms.

② Even in that case, the rights of a user who is a consumer under applicable law are not limited.

Article 25 (Application by analogy)

Matters not provided for in these Terms, and the construction of these Terms, follow applicable law and commercial practice.

Addendum

These Terms take effect on 11 August 2026.

These amended Terms (reflecting the open beta in the invitation-based access provisions) take effect on 15 August 2026.

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