Terms of Service

Effective Date: July 31, 2026

These Terms are an agreement between you and Half Moon Labs LLC, a Wyoming limited liability company operating the Mio service ("Mio," "we," "us," "our"). By using Mio — the website at mio.gg, the Mio widget on our pages, the web app at web.mio.gg, and all related services — you agree to these Terms. If you don't agree, don't use Mio.

Who Can Use Mio

You must be at least 18 years old. By starting a call or creating an account, you confirm you meet this requirement.

What Mio Does

You tell Mio who to call and what you need. Mio's AI voice agent dials the number, works through the phone menu, and waits on hold. When a real person picks up, Mio calls you back and connects you to that person. You do the talking.

Two things follow from that:

• Mio calls from Mio's own phone number, not yours. Your number is not used as the caller ID on the call Mio places, and Mio does not claim to be you.
• Mio calls you back from a Mio number to bring you into the call. If you don't pick up, you don't get connected.

There are two ways to use Mio. The widget on our pages handles a specific, listed kind of call and always connects you to the person it reaches. In the web app at web.mio.gg you sign in with your phone number and can ask Mio to call any business or agency — either to connect you, or, for a simple errand, to handle the call itself using only the details you gave it. Either way, Mio does not answer identity questions for you and does not give out details you didn't provide.

After a call you get a written summary, and a transcript where the call produced one.

Mio Is an AI

The voice on the call is artificial intelligence, not a person. It places the call and speaks on it, and if asked directly it says it's an automated assistant calling on someone's behalf. It can mishear things, take the wrong menu option, or fail to get through. Read the summary and check anything that matters.

What Mio Is Not

• Not advice. Mio does not give legal, tax, immigration, medical, or financial advice. Nothing Mio or the AI agent says is advice of that kind.
• Not your representative. Mio does not represent you before the IRS, USCIS, or any other agency, court, or company — and cannot. Representation requires an eligible person and the right form, such as IRS Form 2848 or USCIS Form G-28. Mio files nothing and signs nothing on your behalf.
• Not you. Mio never impersonates you and never answers identity-verification questions in your place. Once you're on the call, you are responsible for what you say and what you agree to.
• Not an emergency service. Never use Mio to reach 911 or any emergency line.
• Not a human. Mio makes mistakes. Verify anything important yourself.

Your Account

In the web app you sign in with your phone number and a code sent by SMS. You're responsible for your account and everything done under it. Don't share access with others.

There's no password and no sign-up form anywhere in Mio. When you start a call from the widget, you give a phone number so Mio can call you back — and confirming the code we text to that number creates your Mio account and signs you in for 30 days. It's the same account you'd have in the web app. You also give an email address. It's one address used for two things: the receipt and result for your call, and email about Mio itself — a welcome message when you first sign up, and occasional product news and updates. There is no second list and no separate checkbox; the address you give is stored as a contact with our email provider and used for both. You can unsubscribe from the Mio email at any time — use the unsubscribe link in one of those emails, or email [email protected]. Receipts are part of the service and keep coming; if you want no email from Mio at all, ask us to close the account. You can change the address in your profile in the web app.

Calls and Texts to You

When you give Mio your phone number, you authorize Mio to call and text you at that number, including through an automated system. This is what you're agreeing to:

• The callback. Mio calls you from a Mio number when it has a live person on the line, so it can connect you. This is the service — without it, Mio can't do the job you asked for.
• The one-time code. When you enter your phone number, we text you a code to confirm the number is yours. Today this is the only text Mio sends. If we ever add texts about a call you started — a status update, say — they'd be covered here too.
• No marketing calls or texts. Mio does not call or text you with promotional or unsolicited messages. Every call and text is a reply to something you started. (Email is different: the address you give us is also used for occasional email about Mio, which you can unsubscribe from — see Your Account.)

Message and data rates may apply. Your mobile information will not be shared with third parties or affiliates for marketing or promotional purposes.

You can withdraw this consent at any time — email [email protected] and we'll stop texting and calling that number. Because connecting you means phoning you, and because signing in means texting you a code, withdrawing consent means Mio can no longer run calls for you.

The Calls You Ask For

You are responsible for the calls you ask Mio to place. You confirm that you have the right to call the number you give us, and that it's a call you could lawfully make yourself.

Mio does not record call audio. A written transcript is created and stored for the part of the call Mio was on — the AI working through the phone menu and speaking with whoever or whatever it reached. When Mio connects you, the AI leaves the call, and the transcript ends there: what you and the other person say once you're connected is not transcribed and not stored. Some places require every party on a call to consent to being monitored, and a stored transcript of the AI's part of the call may fall under those rules where you are. You're responsible for knowing what applies to your call. See the Privacy Policy for what's kept and for how long.

Things You Can't Do

You agree not to use Mio to:

• Break any law or regulation
• Harass, threaten, or impersonate anyone
• Conduct telemarketing, robocalling, or spam
• Commit fraud or deceive call recipients
• Call emergency services (911)
• Call a number you don't have the right to call
• Violate the Telephone Consumer Protection Act (TCPA) or similar laws
• Interfere with or abuse the Service

We can suspend or terminate your account at any time if you violate these Terms.

Billing

You pay when Mio actually reaches someone. Nobody reached, no charge. Here is exactly how that works:

• The hold. When you start a call, Mio places an authorization hold on your card through Stripe — $5.00. A hold is not a charge, and it is not a price cap. It is a pre-authorization: it checks the card works and sets money aside with your bank while the call runs.
• If you asked Mio to connect you. You're charged only when Mio reached a live person and connected you to them. If it never got you on the line, you pay nothing — however long Mio spent trying.
• If you asked Mio to handle the call itself. You're charged when Mio actually reached someone and had the conversation — even if the answer wasn't the one you were hoping for. You're paying for the call being made, not for a particular answer.
• What we charge. The real cost of that call — telephony and voice-AI time, plus our markup. It is metered on the call itself, so it depends on how long Mio was on the phone: it may come to less than the amount held, and it may come to more. We capture it from the hold, and if the call cost more than the hold we charge the difference to the same card, because the hold is a pre-authorization rather than a limit. To be able to do that after you have closed the page, your card is kept on file with Stripe when you authorize a call. It settles that call, and — if you later ask Mio to place another call from the app — it is the card that call uses, so you are not asked for it again. It is never charged for anything you did not ask for. You can remove it from your profile at any time. If the cost comes to less than about twenty-five cents, we don't charge anything at all. Between about twenty-five and fifty cents we charge fifty cents, because fifty cents is the least a card can be charged.
• The release. If nobody was reached — busy, no answer, the line drops, the hold music never ends, you cancel — the hold is released and you're charged nothing.
• Your bank's timing. We release holds as soon as the call is settled. How quickly the amount stops showing on your statement is up to your bank, and often takes a few business days.

Your receipt shows what was captured and why. If something looks wrong, email [email protected] — we'll look at it and refund to the card that was charged if it's our mistake.

We may change prices at any time. A change applies to calls you start after it, never to one already running. In the widget, the amount we authorize is shown to you before you confirm. When you ask the assistant in the web app to make a call, it places the same $5.00 pre-authorization on the card already on your account, without a separate confirmation step.

Some accounts still carry a prepaid balance from an earlier version of Mio. That balance still works and is non-refundable, but it isn't how Mio is sold anymore.

Your Responsibility

Mio holds the line; you make the decisions. If you agree to something, share information, or make a commitment once you're on the call, that's yours. Read your summaries.

Intellectual Property

Mio's code, design, branding, and AI systems belong to us. Your messages, memory, and personal content belong to you. By using Mio, you give us a limited license to process your content to provide the Service.

Third-Party Services

Mio runs on third-party providers: Stripe for payments, Twilio for telephony and phone verification, ElevenLabs for the voice agent, OpenAI for chat and summaries, Resend for all of Mio's email (receipts and the product email you can unsubscribe from), Cloudflare in front of our pages, and DigitalOcean for hosting. If they're down, Mio is down. We're not responsible for their availability or performance. The Privacy Policy lists what each of them receives.

Disclaimer

THE SERVICE IS PROVIDED "AS IS" WITHOUT WARRANTIES OF ANY KIND. WE DON'T GUARANTEE THAT MIO WILL ALWAYS WORK, THAT A CALL WILL CONNECT, THAT MIO WILL REACH A PERSON, THAT ANY PARTICULAR OUTCOME WILL BE ACHIEVED, THAT THE AI WILL BE ACCURATE, OR THAT THE SERVICE WILL BE UNINTERRUPTED OR ERROR-FREE.

Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, HALF MOON LABS LLC IS NOT LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF THE SERVICE.

OUR TOTAL LIABILITY FOR ALL CLAIMS IS LIMITED TO THE AMOUNT YOU'VE PAID US IN THE 12 MONTHS BEFORE THE CLAIM, OR $50, WHICHEVER IS GREATER.

Indemnification

You agree to defend and hold us harmless from any claims, damages, or expenses arising from your use of Mio, your violation of these Terms, or calls made on your behalf.

Disputes

These Terms are governed by the laws of Wyoming. Before any formal action, you agree to contact us at [email protected] and try to resolve things informally for at least 30 days.

If that doesn't work, disputes will be resolved by binding arbitration under AAA rules. You waive any right to participate in a class action.

Termination

You can stop using Mio anytime. We can suspend or close your account at any time, with or without notice. Any open hold on your card is released. If we close your account for violating these Terms, any remaining prepaid balance may be forfeited.

Changes

We may update these Terms. Material changes will be communicated through the Service. Continued use after changes means you accept them.

Contact

Half Moon Labs LLC
30 N Gould St Ste N, Sheridan, WY 82801, USA
Email: [email protected]
Web: https://mio.gg