Terms of Service

1. Acceptance of Terms

By creating a Loam account, accessing the Loam website at loam.ink, or using the Loam application at app.loam.ink, you agree to be bound by these Terms of Service and our Privacy Policy. If you do not agree, please do not use Loam.

If you are using Loam on behalf of an organisation, you represent that you have authority to bind that organisation to these Terms.

You must be at least 16 years of age to use Loam. By using the service you represent that you meet this requirement.

2. Description of Service

Loam is a personal knowledge management system designed around one idea: capture freely, and let structure emerge. Here is how it works:

• Thought capture. You save unstructured content — text notes, URLs, voice memos, and other inputs — into your personal Loam library. These are called thoughts.
• AI processing. Loam uses artificial intelligence to analyse your thoughts and automatically extract entities (people, places, organisations, topics, concepts) and the relationships between them.
• Knowledge graph. The extracted entities and relationships are assembled into a personal knowledge graph — a living map of everything you have captured, connected by meaning rather than by folders or tags.
• Exploration. You can browse, search, and query your knowledge graph to surface connections and insights across your notes over time.

Loam is provided as a web application accessible at app.loam.ink and, where available, through native mobile apps. We may add, modify, or remove features over time, and we will communicate significant changes in advance where reasonably possible.

3. Account Registration & Security

To use Loam you must create an account by providing accurate and complete information. You are responsible for:

• Keeping your login credentials confidential.
• All activity that occurs under your account.
• Notifying us promptly at legal@loam.ink if you suspect unauthorised access.

You may not share your account with others or create accounts on behalf of third parties without their consent. We reserve the right to refuse registration or cancel accounts at our discretion, particularly where these Terms are violated.

4. Free & Paid Plans

Free Plan

Loam offers a free tier that allows you to capture and store up to 100 thoughts. Once you reach this limit, you will need to upgrade to a paid plan to capture additional thoughts. You may continue to access, edit, export, and delete your existing thoughts on the free tier at any time.

Paid Plans

Two paid subscription options are available:

• Monthly: AUD $9.99 per month (or local currency equivalent), billed monthly.
• Annual: AUD $99.99 per year (or local currency equivalent), billed annually — a saving of approximately 17% compared to monthly billing.

Prices are displayed in your local currency at checkout where supported. All prices include applicable taxes unless otherwise stated.

Auto-Renewal

Paid subscriptions renew automatically at the end of each billing period (monthly or annually) unless you cancel before the renewal date. By subscribing you authorise us to charge your payment method on a recurring basis.

Cancellation

You may cancel your subscription at any time through your account settings. Cancellation takes effect at the end of your current billing period — you will retain access to paid features until that date. We do not provide prorated refunds for unused time in a billing period, except where required by applicable law.

Price Changes

We may change subscription prices from time to time. We will give you at least 30 days' notice before any price change takes effect. Continued use after the effective date constitutes acceptance of the new price.

5. Content Ownership

Loam does not claim any ownership over anything you create, capture, or store in the service. Your data is yours, and our processing of it does not change that.

You represent that you have all rights necessary to submit content to Loam and to grant us the limited licence described in Section 6 below.

6. License Grant

To operate Loam, you grant us a limited, non-exclusive, worldwide, royalty-free licence to use, process, store, reproduce, and transmit your content — but only for the following purposes:

• Providing and improving the Loam service to you.
• Running AI models to extract entities, relationships, and insights from your content.
• Building and maintaining your personal knowledge graph.
• Sending your content to our AI providers (OpenAI, Anthropic, and Google, and their successors) solely to process it on your behalf as part of service delivery.
• Storing and backing up your data to ensure reliability and availability.

This licence is strictly limited to what is necessary to run Loam for you. It does not permit us to sell, share, or otherwise exploit your content for any purpose outside of service delivery. AI providers receive your content only as needed to process requests; they are contractually bound to data handling obligations consistent with these Terms.

This licence terminates when you delete your content or close your account, subject to reasonable backup retention periods and applicable legal requirements.

7. AI-Powered Features

Loam uses AI to automatically extract entities, identify relationships, surface connections, generate summaries, and provide suggestions across your notes. These features are designed to be genuinely useful, but you should be aware of their limitations:

• AI-generated outputs may be inaccurate. Entity extraction, relationship mapping, summaries, and suggested connections are probabilistic — they can be incomplete, incorrect, or misleading.
• Do not rely on AI outputs for critical decisions. Loam's AI features are intended as a personal thinking aid, not as a source of authoritative information. Do not use AI-generated insights from Loam as the sole basis for medical, legal, financial, or other high-stakes decisions.
• You are responsible for verifying important information. Always apply your own judgement to AI-generated content.

We continually work to improve the accuracy and reliability of our AI features, but we cannot guarantee that they will always be correct or complete.

8. No-Training Commitment

We will not use your thoughts, notes, or any content you store in Loam to train, fine-tune, or otherwise develop AI or machine learning models. This applies to Loam and to the AI providers we work with. Our agreements with AI providers require them to honour this commitment.

Your content is processed by AI models only in real time to deliver the features you use. It is not retained by AI providers for model training purposes.

9. Acceptable Use Policy

You agree not to use Loam to:

• Store, transmit, or process any content that is illegal under applicable law, including content that infringes intellectual property rights, constitutes defamation, or involves child exploitation material.
• Harass, threaten, or harm other individuals.
• Attempt to gain unauthorised access to Loam's systems, infrastructure, or other users' accounts.
• Reverse engineer, decompile, disassemble, or otherwise attempt to extract source code or underlying algorithms from Loam.
• Use automated scraping, bots, or other means to extract data from Loam beyond what is supported by official export features.
• Resell, sublicence, or commercially exploit the Loam service without our express written consent.
• Introduce malware, viruses, or other harmful code into Loam's systems.
• Use Loam in any way that violates applicable laws or regulations, including data protection laws.

We reserve the right to investigate suspected violations and to suspend or terminate accounts where violations are confirmed. We may also refer matters to relevant law enforcement authorities where required.

10. Data Portability & Export

We believe you should always be able to take your data with you. Loam provides a data export feature that lets you download all of your captured thoughts in Markdown format — a widely supported, human-readable, plain-text format.

You can trigger an export at any time from your account settings. The export file will include all of your raw thought content. We are working to expand export options over time, including structured export of graph data.

On account deletion, all of your data — including raw thoughts, uploaded files, and knowledge graph structures — is permanently deleted from our systems. See Section 11 for details.

11. Account Termination

Termination by you

You may close your account at any time through your account settings, or by emailing legal@loam.ink. Upon account closure:

• All of your data — including raw thoughts, uploaded files, voice memos, and all knowledge graph structures — will be permanently deleted from our systems, typically within 30 days.
• Backups containing your data will be purged on their normal rotation cycle, which may take up to 90 days.
• Deletion is irreversible. We strongly recommend exporting your data before closing your account.

Termination by Loam

We may suspend or terminate your account if:

• You materially breach these Terms and fail to remedy the breach within 14 days of written notice (where the breach is capable of remedy).
• We are required to do so by law or a regulatory authority.
• Continuing to provide the service creates a legal or security risk.

Where we terminate your account for reasons other than a breach by you, we will give you at least 30 days' notice and will provide an opportunity to export your data. In the event of termination for serious violations (e.g., illegal content), we may act immediately.

If your paid subscription is active at the time of Loam-initiated termination without cause, we will provide a prorated refund of any prepaid fees for the unused portion of your billing period.

12. Limitation of Liability

To the maximum extent permitted by applicable law, Loam Pty Ltd's total liability to you for any claim arising out of or relating to these Terms or your use of Loam — whether in contract, tort (including negligence), or otherwise — is capped at:

• The total amount you paid to Loam in the 12 months immediately preceding the event giving rise to the claim, or
• AUD $100,
• whichever is the greater amount.

To the maximum extent permitted by law, Loam Pty Ltd will not be liable for any indirect, incidental, special, consequential, or punitive damages, including loss of data, loss of profits, loss of goodwill, or business interruption, even if we have been advised of the possibility of such damages.

Nothing in these Terms limits liability for death or personal injury caused by our negligence, fraud, or any other liability that cannot be excluded or limited under Australian consumer law.

13. Disclaimer of Warranties

Loam is provided "as is" and "as available". While we work hard to deliver a reliable and high-quality service, we do not warrant that:

• Loam will be available without interruption or error at all times.
• AI-generated outputs, entity extractions, or graph connections will be accurate, complete, or fit for any particular purpose.
• Loam will meet every requirement you may have.

We do commit to taking reasonable care in operating the service, maintaining appropriate security measures, and addressing issues promptly when they arise.

To the extent permitted by law, all implied warranties, conditions, and guarantees (other than those under the Australian Consumer Law that cannot be excluded) are disclaimed.

Under the Australian Consumer Law, you may have consumer guarantees that cannot be excluded. Nothing in these Terms is intended to limit rights you have under applicable law.

14. Governing Law

These Terms are governed by and construed in accordance with the laws of the Commonwealth of Australia and the state of New South Wales. The courts of New South Wales have non-exclusive jurisdiction to resolve any disputes arising from these Terms.

If you are located outside Australia, mandatory consumer protection laws in your jurisdiction may also apply to you. Nothing in these Terms overrides protections you are entitled to under the laws of your country of residence.

15. Dispute Resolution

We genuinely want to resolve any issues you have with Loam. If a dispute arises, we ask that you follow this process before commencing formal proceedings:

1. Contact us first. Email legal@loam.ink with a description of your concern. We will acknowledge your message within 5 business days and work with you in good faith to find a resolution within 30 days.
2. Mediation. If good-faith negotiation does not resolve the dispute within 30 days, either party may refer the matter to a mediator in Australia, with the costs of mediation shared equally between the parties, unless otherwise agreed.
3. Litigation. If mediation is unsuccessful, either party may pursue the matter through the courts of New South Wales, Australia.

This process does not prevent you from seeking urgent injunctive or other equitable relief where necessary to protect your rights.

16. Feedback

We love hearing from users. If you send us feedback, suggestions, ideas, or feature requests about Loam, you agree that we may use and incorporate that feedback into the product without any obligation to you — including without compensation, attribution, or restriction.

This does not affect your ownership of any content you have captured in Loam, which remains yours as described in Section 5.

17. Changes to These Terms

We may update these Terms from time to time as our service evolves or legal requirements change. When we make material changes, we will:

• Post the updated Terms at loam.ink/terms/ with a new "Last updated" date.
• Send you a notification via email or in-app notice at least 30 days before the changes take effect.

If you continue to use Loam after the effective date of updated Terms, this constitutes your acceptance of the changes. If you do not agree to the updated Terms, you may close your account before the effective date.

For minor changes that do not materially affect your rights (such as typographical corrections or clarifications), we may update these Terms without advance notice.

18. Severability

If any provision of these Terms is found to be invalid, illegal, or unenforceable under applicable law, that provision will be modified to the minimum extent necessary to make it enforceable, or severed from these Terms if modification is not possible. The remaining provisions will continue in full force and effect.

The failure of Loam Pty Ltd to enforce any right or provision of these Terms is not a waiver of that right or provision.

19. Contact

If you have any questions about these Terms, please get in touch:

• Email: legal@loam.ink
• Company: Loam Pty Ltd (incorporated in Australia)
• Website: loam.ink

We aim to respond to all legal enquiries within 5 business days.