1. Acceptance of Terms

By accessing or using Teamio, you agree to:

• Be bound by these Terms and our Privacy Policy.
• Comply with all applicable laws and regulations.
• Use our Services only for lawful purposes.
• If you are entering on behalf of an organization, you represent you have the authority to bind that organization.

2. Our Services

Teamio provides an all-in-one HR platform for payroll, benefits, talent management, and employee operations. We may modify, suspend, or discontinue any part of the Services at any time without notice. We do not guarantee that the Services will meet your specific requirements or be error-free.

3. User Responsibilities

You agree to:

• Provide accurate information when creating an account.
• Use the Services only for lawful, internal business purposes.
• Not use the Services to generate or share content that violates any law, infringes intellectual property, or is harmful.
• Maintain the security of your account credentials.

We reserve the right to suspend or terminate accounts that violate these Terms.

4. Intellectual Property

4.1 User Content. You retain ownership of any data you input into the Services. By using our Services, you grant us a non-exclusive, worldwide license to use your data solely to provide, improve, and protect the Services.

4.2 Our IP. All software, designs, algorithms, and materials provided by us are the property of Teamio. You may not copy, modify, or reverse‑engineer our technology.

5. Payments and Subscriptions

Some features may require payment or a subscription. Prices are as displayed on our website. Subscriptions automatically renew unless cancelled before the renewal date. All payments are non‑refundable unless otherwise stated.

6. Refund Policy

We do not offer refunds for subscription fees or other charges, except as required by law. You may cancel your subscription at any time through your account settings; access continues until the end of the current billing period.

7. Limitation of Liability

To the maximum extent permitted by law, Teamio is not liable for any indirect, incidental, or consequential damages arising from your use of the Services. The Services are provided "as is" without warranties of any kind.

8. Indemnification

You agree to indemnify and hold Teamio harmless from any claims, damages, or expenses arising from your use of the Services or violation of these Terms.

9. Termination

We may suspend or terminate your access at any time for violations of these Terms or other reasons.

10. Governing Law

These Terms are governed by the laws of [Your State/Country]. Any disputes will be resolved exclusively in the courts of that jurisdiction.

11. Changes to These Terms

We may update these Terms from time to time. Changes will be posted here, and your continued use constitutes acceptance.

12. Contact Us

For questions, contact us at: