Legal
Terms of Service
These terms are an agreement between you and Nori Capital LLC, doing business as Nori Cap ("Nori Cap," "we," "us"), and govern your use of heytilo.ai and the Tilo app at app.heytilo.ai (together, "Tilo"). By creating an account or using Tilo, you agree to them. If you use Tilo for a company or firm, you confirm you're allowed to accept these terms on its behalf. Our Privacy Policy explains how we handle data.
What Tilo is
Tilo is an AI-powered financial analysis service for businesses. You upload financial reports, and Tilo calculates figures from them, flags issues, writes reports and answers questions about your numbers.
Price, free trial and billing
- Tilo costs $799 a month for each company, plus any taxes that apply. The price is shown before you subscribe. Subscriptions started before November 9, 2026 keep the price they started at.
- A new company starts with a 7-day free trial, and you add a card to start it. If you don't cancel before the trial ends, your card is charged $799 when it ends and then on the same date every month. Each company can have one free trial.
- Subscriptions renew automatically every month until you cancel. You can cancel anytime in Settings → Billing → Manage billing. Cancelling stops future charges, and you keep access until the end of the period you've paid for. We don't refund partial months, except where the law requires it.
- Payments are processed by Stripe. If a payment fails, we'll tell you and retry. If it still can't be collected, we may suspend access to that company until it's paid.
- We may change the price. We'll tell you at least 30 days before a new price applies to you, so you can cancel first if you choose.
- Features may change, be added or be discontinued as we improve Tilo.
Your account
- You must be at least 18 and use Tilo for business purposes.
- Give us accurate information and keep your password safe. You're responsible for activity under your account.
- Only invite people you trust to your company. Anyone you invite can see that company's data once they accept.
- Tell us right away at pa@noricap.com if you think your account has been misused.
Your data
- You own the financial data you upload and what you create in Tilo.
- You give us permission to store, process and analyze it, including sending it to our service providers such as our AI provider, only to provide Tilo to you and the people you invite, to keep it secure, and to meet legal obligations.
- You confirm you have the right to upload the data, including any information about your customers, vendors or employees in it.
- You can delete your data, a company or your whole account in Settings at any time.
AI answers and analysis
Tilo's figures come from the data you upload, so they're only as accurate and complete as that data. Tilo's written answers and commentary are generated by AI and can be incomplete or wrong. Check important figures against your books before you rely on them.
Tilo provides operating and financial analysis. It is not tax, legal, accounting, audit or investment advice, and it is not an audit, a quality of earnings report or a valuation. Make important decisions with your own qualified advisors.
Funding
Information on funding options is general and educational. Nori Cap is not a lender, broker-dealer or investment adviser. We don't make loans, offer or sell securities, or guarantee that any financing will be available. Any arrangement you make with a lender, investor or other capital provider is between you and that party.
Acceptable use
Don't misuse Tilo. That includes trying to access another company's data or someone else's account, probing or overloading our systems, getting around usage limits, uploading malicious files or data you don't have the right to use, reselling Tilo without our agreement, or using it to break the law.
Usage limits
To keep Tilo fair and reliable for everyone, we apply limits such as file sizes, the number of uploads and the number of questions per day. We may change these limits.
Suspension and ending
You can stop using Tilo and delete your account at any time. We may suspend or close an account that breaks these terms or puts Tilo or other customers at risk. If we end Tilo for everyone, we'll give you reasonable notice so you can take what you need.
Intellectual property
Tilo, its software, design and the Tilo and Nori Cap names and logos belong to us. These terms give you the right to use Tilo while your account is open; they don't transfer any of our rights to you. If you send us feedback, we may use it without any obligation to you.
Sample content
Companies, figures and findings shown on the website or in the sample company are fictional and for illustration only. They don't predict results for your business.
Disclaimers
Tilo is provided "as is" and "as available," without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose and accuracy, to the fullest extent the law allows. We don't promise that Tilo will be uninterrupted or error-free.
Limitation of liability
To the fullest extent the law allows, Nori Cap isn't liable for indirect, incidental, special, consequential or punitive damages, or for lost profits, revenue or data, arising from your use of Tilo. Our total liability for any claim related to Tilo is limited to the greater of the amount you paid us in the 12 months before the claim and $100.
Indemnity
If a third party brings a claim against us because of data you uploaded without the right to do so, or because you broke these terms, you'll cover our reasonable costs of that claim.
Governing law
These terms are governed by the laws of the State of New York, without regard to conflict-of-laws rules. Disputes will be resolved in the state or federal courts located in New York County, New York.
Changes and contact
We may update these terms and will change the date at the top when we do. If a change is material, we'll tell you in the app or by email before it takes effect, and continuing to use Tilo after that means you accept the new terms. Questions: pa@noricap.com.