Terms of Service

Annot is a knowledge-management and AI-memory service operated by Fintela Yapay Zeka ve Bilişim Teknolojileri A.Ş. (“Fintela”, “we”, “us”, or “our”), a joint-stock company incorporated in the Republic of Türkiye and registered with the Ankara Trade Registry under number 524478.

• Registered address: Üniversiteler Mah. 1597. Cad. No: 3/127, Bilkent, Çankaya, Ankara, Türkiye
• General contact: support@useannot.com
• Website: https://useannot.com

“Annot” is a trading name and product of Fintela; it is not a separate legal entity. In these Terms, “you” means the individual who creates an account or uses the Service.

Your agreement for the Service itself is with Fintela. If you buy a paid plan, the purchase transaction is made through our merchant of record, Paddle, as described in §5.

When you create an account you are asked to confirm that you accept these Terms. By giving that confirmation, and by accessing or using the Service, you agree to be bound by them. If you do not agree, you must not use the Service.

Our Refund Policy forms part of these Terms. Our Privacy Notice explains how we collect and handle personal data; it is not a contractual term, but you should read it before using the Service.

The Service is offered to individuals for their own use. We do not currently offer business, team, or multi-seat plans, and you may not enter into these Terms on behalf of an organisation.

You confirm that you are at least 18 years old and have the legal capacity to enter into these Terms.

Annot lets you capture links, notes, quotes, documents, and other content; automatically summarises and organises that content; lets you recall it through natural-language search; generates derived outputs (such as summaries, memory write-ups, and AI-ready files); and exposes your saved content to AI tools you choose to connect through our MCP endpoint and integrations.

We may add, change, or remove features of the Service, and we may set or adjust the usage allowances (such as save limits, storage limits, MCP call limits, and export limits) that apply to each plan.

If we make a change that materially reduces the core functionality or the allowances of a paid plan, that change does not apply to you for the remainder of the period you have already paid for. It takes effect from your next renewal, and we will tell you by email at least 30 days before that renewal so that you can cancel if you prefer.

This does not apply where we have to make a change sooner in order to comply with the law, or because a third party we depend on withdraws or changes a service we cannot replace. In those cases we will tell you as soon as we can, explain what has changed, and refund the unused portion of the period you have already paid for if you choose to cancel as a result.

To use most features you must create an account. You agree to provide accurate, current, and complete information and to keep it up to date. You are responsible for keeping your login credentials confidential and for activity carried out under your account, except where that activity results from unauthorised access that was not caused by your failure to keep your credentials secure, or from a failure on our part. You must notify us promptly at support@useannot.com if you suspect any unauthorised use of your account, and we will notify you if we become aware of unauthorised access to it.

Paid plans (Pro and Max) are offered on a subscription basis, billed monthly or annually as shown at checkout and on our pricing page. We do not offer lifetime or one-time-purchase plans.

Merchant of Record. Our order process and payments are handled by our merchant of record, Paddle — Paddle.com Market Limited or another company in the Paddle group, depending on where you are located. When you buy a paid plan, your purchase and payment are made through Paddle, and Paddle (not Fintela) is the seller of record for that transaction. Paddle handles payment, billing, invoicing, and the collection and remittance of applicable sales taxes and VAT, and is responsible for the customer-facing commercial elements of the purchase. Your purchase is therefore also subject to Paddle's Buyer Terms, Paddle's refund policy, and Paddle's privacy policy. The Paddle entity you are contracting with is shown at checkout and on your receipt.

The following terms apply to your subscription:

• Term and renewal. Subscriptions automatically renew for successive periods (monthly or annual, matching your chosen billing cycle) at the then-current price, unless cancelled before the renewal date. Before each annual renewal we will email you at least 7 days in advance with the date and the amount.
• Fees and price changes. Fees are shown at checkout in the applicable currency. We may change subscription prices. A new price applies only from your next renewal, never to a period you have already paid for, and we will email you at least 30 days before it takes effect so that you can cancel if you prefer.
• Payment. You authorise Paddle to charge your chosen payment method for the fees due, including on each renewal, until you cancel.
• Taxes. Prices may be shown exclusive or inclusive of tax. Applicable VAT, sales tax, or equivalent is calculated and collected by Paddle based on your location.
• Cancellation. You may cancel your subscription at any time, either from your account settings in the Annot app or through Paddle's buyer portal, using the link in your subscription confirmation email or receipts. Cancellation stops future renewals; unless required by law or provided in our Refund Policy, cancellation does not retroactively refund the current period, and you retain access until the end of the period already paid for.
• Refunds. Refunds are governed by our Refund Policy and by Paddle's Buyer Terms and refund policy. You can send a refund request to us at support@useannot.com — we will check it against our Refund Policy and arrange any refund with Paddle — or request one directly through Paddle's buyer support at paddle.net.

For any billing, payment, invoice, or refund query, contact us at support@useannot.com.

We offer a free plan with limited allowances. No payment card is required for the free plan. We may change or discontinue the free plan at any time, on reasonable notice.

If your paid plan ends — because you cancelled and the paid period has run out, because a refund was issued, or because a renewal payment could not be collected — your account reverts to the free plan. Content you saved above the free plan's allowances becomes read-only: you can continue to view, search, and export all of it in the Annot app, but you cannot edit it or add new content beyond the free plan's limits until you subscribe again. Your MCP endpoint remains in place, but once you reach the free plan's limits, requests from connected tools receive a message explaining that a paid plan is needed instead of returning your saved content. We do not delete your content because of a downgrade. Deletion happens only if you request it or delete your account, as described in our Privacy Notice.

Subject to your compliance with these Terms and payment of any applicable fees, we grant you a limited, non-exclusive, non-transferable, non-sub-licensable right, revocable in accordance with §13, to access and use the Service for your own personal use, including in the course of your own work, and only within the allowances of your selected plan. This licence exists only for as long as these Terms are in force.

You agree not to misuse the Service. In particular, you must not:

• use the Service for any unlawful purpose or in violation of any applicable law or regulation;
• engage in fraud, spam, phishing, or the distribution of unsolicited communications;
• upload, store, or share content that infringes the intellectual property, privacy, or other rights of any third party;
• interfere with or compromise the security or integrity of the Service, including by introducing malware, probing or scanning systems, attempting unauthorised access, or scraping;
• reverse engineer, decompile, or disassemble any part of the Service, except to the extent this restriction is prohibited by applicable law;
• resell, redistribute, sublicense, or commercially exploit the Service, or share your account credentials with others;
• circumvent or attempt to circumvent usage limits, rate limits, or other technical restrictions;
• use the Service, or content extracted from it in bulk, to build, train, or improve a competing product or service, or to develop a machine-learning model; or
• access the Service by automated means, other than through our documented interfaces and within your plan's limits, in order to extract content or measure the Service systematically.

You retain all ownership rights in the content you capture, upload, or create in the Service (“Your Content”). You grant us a limited, worldwide, non-exclusive, royalty-free licence to host, store, copy, process, transmit, index, summarise, generate derived outputs from, and display Your Content solely to the extent necessary to operate and provide the Service to you — for example, to store, summarise, search, and surface your saved material, and to make it available to the AI tools and integrations you connect. This licence ends when you delete the relevant content or your account, subject to reasonable backup retention periods.

Summaries, tags, connections, embeddings, and other outputs we generate from Your Content are treated as part of Your Content. They belong to you, they are covered by the same licence and the same limits, and they are deleted when you delete the content they were generated from or delete your account, subject to the backup retention described in our Privacy Notice.

We do not use Your Content or your browsing activity to train AI models, we do not use it for advertising, and we do not sell it, as further described in our Privacy Notice.

You are solely responsible for Your Content and for ensuring that you have the rights necessary to capture, upload, and use it through the Service.

The Service, including all software, source code, models, designs, text, graphics, logos, the “Annot” and “Fintela” names and marks, documentation, and all related intellectual property, is and remains the exclusive property of Fintela and its licensors. Except for the limited licence expressly granted to you in these Terms, nothing gives you any right, title, or interest in the Service or our intellectual property. All rights not expressly granted are reserved.

The Service integrates with third-party tools and services that you choose to connect — for example, AI assistants and applications that access your memory through our MCP endpoint, or apps such as Notion and Obsidian. Your use of those third-party services is governed by their own terms and privacy policies, and we are not responsible for them.

When you connect a third-party tool to your Annot memory, you are instructing us to make your saved content available to that tool. What that tool then does with your content — including whether it stores it, or uses it to train models — is governed by that tool's own terms, not ours, and is outside our control. Connect only tools you trust, and review their terms before you do. You can see your active connections and disconnect any of them at any time in your account settings; disconnecting stops further access from that point, but does not affect content the tool has already received.

The Service may generate automated outputs, such as summaries and AI-ready files. These outputs are produced by automated systems, may contain errors or omissions, and are provided for your convenience. You are responsible for reviewing and verifying any output before relying on it.

We work to keep the Service reliable, but we do not guarantee that the Service will be uninterrupted, timely, secure, or error-free, or that any defects will be corrected. The Service may be temporarily unavailable for maintenance, updates, or reasons beyond our control. Where we plan maintenance that we expect to make the Service unavailable for a significant period, we will give you advance notice through the Service or by email where it is reasonable to do so.

To the fullest extent permitted by applicable law, the Service is provided “as is” and “as available”, and we disclaim all warranties of any kind, whether express, implied, or statutory, including any implied warranties of merchantability, fitness for a particular purpose, title, and non-infringement.

This section does not exclude or limit any warranty, guarantee, or remedy that consumer law in your country of residence gives you and that cannot lawfully be excluded.

By you

You may stop using the Service and close your account at any time from your account settings or by contacting support@useannot.com.

By us

We may suspend or terminate your access to the Service, in whole or in part, if:

• you materially breach these Terms;
• you fail to pay fees when due;
• your use creates a security, legal, or fraud risk to us, other users, or third parties; or
• you repeatedly or seriously violate our policies or applicable law.

Except where the risk to us, our users, or third parties makes immediate action necessary, or where the law requires otherwise, we will give you notice and, where the breach can be put right, a reasonable opportunity to do so before we suspend or terminate.

Termination without cause

We may also terminate your account without giving a reason, by giving you at least 30 days' notice by email. If we do, we will refund the unused portion of any period you have already paid for, and you will be able to export Your Content during the notice period.

Effect of termination

On termination, your right to use the Service ends immediately. We will make Your Content available for export for at least 30 days, unless we are required by law to delete it sooner, after which Your Content may be deleted or anonymised in accordance with our Privacy Notice. Provisions that by their nature should survive termination (including Sections 9, 10, 12, 14, 16, and 17) will survive.

To the fullest extent permitted by applicable law:

• We will not be liable for any indirect, incidental, special, consequential, or punitive damages, or for any loss of, corruption of, or inability to access data, or for any loss of profits, revenue, goodwill, or business opportunities, arising out of or relating to the Service or these Terms, even if we have been advised of the possibility of such damages.
• Our total aggregate liability arising out of or relating to the Service or these Terms will not exceed the total fees you paid for the Service in the twelve (12) months immediately preceding the event giving rise to the claim.

You are responsible for keeping your own copy of Your Content. The Service includes an export tool at Account → Data, and we recommend that you use it regularly.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for fraud or fraudulent misrepresentation, for death or personal injury caused by negligence, or under mandatory consumer-protection law in your country of residence.

We may update these Terms from time to time. The “Last updated” date at the top of this page shows when they were last revised.

If we make a material change, we will tell you by email or through the Service at least 30 days before it takes effect. The updated Terms then apply from that date to everyone using the Service, including during a period you have already paid for. If you do not accept the change, you can cancel before it takes effect.

Continued use of the Service after a change has taken effect means that you accept it.

These Terms and any dispute or claim arising out of or in connection with them (including non-contractual disputes) are governed by the laws of the Republic of Türkiye, without regard to its conflict-of-law rules.

If you have a complaint, please contact us first at support@useannot.com and we will try to resolve it with you directly.

The Central Courts and Enforcement Offices of Ankara (Ankara Merkez Mahkemeleri ve İcra Daireleri), Türkiye, have non-exclusive jurisdiction over any dispute arising out of or in connection with these Terms. If you are a consumer, you may also bring proceedings in the courts of the country where you live, and you keep the protection of the mandatory consumer-protection law of that country, including any mandatory cooling-off or refund rights. Nothing in this section affects those rights.

• Assignment. You may not assign or transfer these Terms without our prior written consent. We may assign these Terms in connection with a merger, acquisition, reorganisation, or sale of assets, provided your rights under these Terms are not reduced.
• Force majeure. We will not be liable for any failure or delay in performance caused by events beyond our reasonable control, including natural disasters, war, terrorism, civil unrest, epidemics or pandemics, labour disputes, failures of utilities or telecommunications, or acts of government.
• Entire agreement. These Terms, together with the Refund Policy, constitute the entire agreement between you and us regarding the Service and supersede any prior agreements on that subject. This does not exclude or limit any liability we may have for statements we have made to you that were misleading.
• Notices. We will send notices to the email address registered on your account, and they are treated as received on the day they are sent. It is your responsibility to keep that address current. You can send notices to us at support@useannot.com.
• Severability. If any provision of these Terms is held to be invalid or unenforceable, the remaining provisions will continue in full force and effect.
• No waiver. Our failure to enforce any provision is not a waiver of our right to do so later.

If you have any questions about these Terms: