Mitra OS

Terms of Service

Version 2026-10-10. Effective 10 October 2026.

1. The service, and who these terms are with

These terms are an agreement between you and Mitra OS, Inc., a Delaware corporation ("Mitra OS," "we," "us"). They govern your use of this website and of any MITRA service that Mitra OS operates and that links to these terms. Where these terms say MITRA they mean the platform, and where they say "services" they mean the website and those MITRA services.

MITRA is an orchestration platform, designed to cover secure messaging, verified identity, AI-agent coordination, rewards, and concierge services, and to route instructions to licensed third-party providers you connect. Those providers' own terms govern their services. Not every capability described on our website is available today, and we make no commitment that a particular one will be, or when.

The MITRA platform is built and supported with the help of third-party IT service providers, and some MITRA services that exist today are operated by other companies. Unless and until we tell you within a service that Mitra OS has taken it over, a service operated by another company is governed by that company's own terms and not by these terms. From the point we tell you, these terms apply to that service.

We build and release changes to MITRA every week. Features are added, changed, and removed as we learn and as requirements change, and we may do this at any time and without notice. The services will not stay the same, and no feature is promised to stay available.

2. Not advice

Content generated by the services, including by AI agents, is educational and informational. Mitra OS is not a registered investment adviser, broker-dealer, law firm, or medical provider, and nothing in the services constitutes personalized financial, tax, legal, or medical advice.

3. Access and eligibility

You must be at least 18 years old to apply for or use MITRA. The services are intended for adults, and by applying or using them you confirm that you meet that requirement. Access to MITRA may be limited to invited or approved users, is personal to you, and may be declined or withdrawn at the discretion of Mitra OS. You are responsible for the accuracy of information you provide, including during verification.

4. Consequential actions

MITRA is built so that no action touching funds, health data, or an irreversible booking is carried out without your explicit confirmation, and some will additionally require biometric step-up on a device you have enrolled. An AI agent may propose such an action; it does not complete one on its own. We undertake not to execute a consequential action on your behalf without that confirmation. This is an obligation we are accepting here, and the features it governs become available to you as they ship, so read it as what we are bound to do rather than as a description of functionality already in your hands.

When you confirm an instruction, you authorize Mitra OS to transmit it to the providers you have connected. What those providers then do is governed by their terms, not ours.

5. Acceptable use

No unlawful use, no attempts to breach domain isolation or access another member's data, no reverse engineering of the governance controls, and no interference with the security or operation of the services.

6. Disclaimers, liability, and disputes

Read this section. It limits what Mitra OS can be held responsible for, caps what we can be required to pay you, asks you to cover certain claims that arise out of your own conduct, and requires most disputes between us to be resolved by individual arbitration rather than in court before a judge or a jury. Section 6.12 tells you how to opt out of arbitration within 30 days. Section 6.7 lists what these limits do not cover.

In this section, "Mitra OS Parties" means Mitra OS, Inc. together with its affiliates, and the officers, directors, employees, contractors, agents, licensors, suppliers, and service providers of any of them. Only Mitra OS is a party to these terms, but each of the Mitra OS Parties may rely on and enforce this section 6.

6.1 The services are provided as they are

To the maximum extent permitted by applicable law, the services are provided "as is" and "as available," with all faults, and the Mitra OS Parties disclaim every warranty, condition, and representation of any kind, whether express, implied, statutory, or arising from a course of dealing or a usage of trade. That includes any implied warranty of merchantability, fitness for a particular purpose, title, quiet enjoyment, accuracy, and non-infringement.

We do not warrant that the services will be available, uninterrupted, timely, secure, error free, or free of viruses or other harmful components; that defects will be corrected; that data or content will not be lost, corrupted, delayed, or made unavailable; that the services will work with your device or with any third-party service; or that anything you obtain through them will be accurate, complete, current, reliable, or fit for what you want it for. Availability is affected by maintenance, updates, capacity, outages at our infrastructure providers, and changes third parties make to services we do not control. As section 1 says, capabilities described on our website may not exist yet.

The one promise we make about how the services behave is the undertaking in section 4, which is a commitment about confirmation and is not a warranty of anything else. No advice or information you get from us or through the services, spoken or written, creates a warranty that these terms do not expressly state.

Some jurisdictions do not allow the exclusion of implied warranties. Where that is so, these exclusions apply to the fullest extent that law permits, and any implied warranty that cannot be excluded is limited in duration to the shortest period that law allows.

6.2 AI output, and your responsibility to check it

MITRA is an AI platform. AI systems produce text by prediction, and their output can be inaccurate, incomplete, outdated, biased, internally inconsistent, or simply fabricated, while reading as confident and precise. That applies to everything an AI feature produces: information, summaries, classifications, scores, predictions, drafts, translations, itineraries, valuations, and recommendations, and to every subject, including financial, tax, legal, medical, insurance, property, travel, family, and personal matters. It applies equally to third-party data the services surface, which we do not verify.

You are responsible for reviewing and independently verifying AI output before you rely on it, act on it, or pass it to anyone else, and for taking advice from a suitably qualified and licensed professional where the decision warrants it. To the maximum extent permitted by applicable law, the Mitra OS Parties are not liable for any decision you make, any action you take, or any action you do not take, on the basis of AI output or any other information the services present.

Section 2 states that nothing the services produce is personalized financial, tax, legal, or medical advice. Nothing in the services, and nothing an AI feature says, creates a fiduciary, advisory, agency, brokerage, professional, or other special relationship of trust between you and any Mitra OS Party, or subjects any of them to a professional standard of care. Where a licensed provider gives you regulated advice through the services, that provider gives it under its own terms and to its own regulator, and is responsible for it.

6.3 Third parties, providers, and connected services

MITRA is an orchestration layer. It is built to route what you ask for to services other companies operate, and it runs on infrastructure other companies operate. That includes cloud hosting and content delivery, AI and large language model providers, identity and authentication providers, message and one-time-code delivery, payment providers, banks and card networks, data and market data providers, mapping and location providers, calendar and productivity providers, travel distribution and aggregation systems, licensed professional providers, merchants, and other interfaces and integrations.

The Mitra OS Parties do not control these third parties and, to the maximum extent permitted by applicable law, are not responsible or liable for their acts or omissions, including their availability, performance, delay, error, outage, security, handling of data, pricing, insolvency, or refusal or failure to provide or honor something. Their products and services are governed by their own terms and privacy policies, which you should read, and which they may change without notice to us. A third party being reachable through, integrated into, listed on, or suggested by MITRA is not an endorsement, does not make that party our agent, and does not make us a party to your relationship with it. A dispute with a third party is between you and that third party.

6.4 Bookings, travel, and transactions

Where the services help you arrange, request, or complete a booking, reservation, purchase, or other transaction with a third party, what we do is transmit and coordinate your instruction. We are not the supplier, the merchant of record, the travel agent, the insurer, or the counterparty on that transaction unless we have expressly agreed in writing to be. The supplier's own terms, fare rules, cancellation policies, and program rules govern it.

Accordingly, and to the maximum extent permitted by applicable law, the Mitra OS Parties are not liable for anything arising out of or relating to:

Where money has already reached a supplier, your remedy runs against that supplier under its terms. We may help you pursue it, and helping is not an assumption of the underlying obligation.

6.5 Damages we exclude

To the maximum extent permitted by applicable law, the Mitra OS Parties will not be liable for any indirect, incidental, consequential, special, exemplary, punitive, or enhanced damages, or for any loss of profits, revenue, business, contracts, anticipated savings, opportunities, goodwill, or reputation, any loss, corruption, or unavailability of data or content, any loss of use, any business interruption, any cost of procuring substitute goods, services, or technology, or any comparable economic or non-economic loss, in each case however caused and whether or not foreseeable.

This exclusion applies whatever the theory of liability: contract, breach of warranty, tort, negligence, strict liability, product liability, misrepresentation, statute, restitution or unjust enrichment, equity, and any other legal or equitable theory. It applies even if a Mitra OS Party was advised of, knew of, or should have known of the possibility of the loss, and even if a remedy stated in these terms is found to have failed of its essential purpose.

Some jurisdictions do not allow the exclusion or limitation of certain damages. Where that is so, this exclusion applies to the fullest extent that law permits.

6.6 The most we can owe you

To the maximum extent permitted by applicable law, the total aggregate liability of the Mitra OS Parties to you for all claims arising out of or relating to these terms or the services, taken together rather than per claim, will not exceed the greater of (a) the total amount you actually paid Mitra OS for the services in the twelve months immediately before the event first giving rise to the liability, and (b) one hundred United States dollars (US$100).

This is one shared cap. It is not multiplied by the number of claims, claimants, incidents, or Mitra OS Parties involved, and it applies to claims arising out of section 4 as it does to any other claim. Mitra OS charges nothing for the services today, so for most users the cap is US$100 today. The exclusions in 6.5 and this cap are a deliberate allocation of risk between us, they are reflected in what the services cost, and the services would not be offered on these terms without them.

6.7 What these limits do not cover

Nothing in these terms excludes or limits any liability that applicable law does not permit to be excluded or limited. Depending on the law that applies to you, that may include liability for death or personal injury caused by negligence; fraud or fraudulent misrepresentation; willful misconduct; gross negligence; a right or remedy that a consumer protection or unfair and deceptive practices statute of your state makes non-waivable; and anything else the applicable law says cannot be limited by agreement.

We say this because the law requires it, and because a clause claiming more would risk being struck down in full. It is not an admission that any such liability exists in a given case. Everything in this section 6 applies to the fullest extent the law allows, and no further.

Savings clause. If any part of this section 6 is held invalid or unenforceable, it is to be read as narrowed to the minimum extent needed to make it enforceable, and the rest of this section 6 and of these terms stays in full force. If it cannot be narrowed, it is severed only as to the specific claim, claimant, or jurisdiction that made it unenforceable, and it continues to apply in full to every other claim, claimant, and jurisdiction. Section 6.13 sets out its own severance rule, which governs sections 6.12 and 6.13.

6.8 Your indemnity

You will indemnify and hold harmless the Mitra OS Parties from and against any third-party claim, demand, action, investigation, or proceeding, and any resulting loss, liability, damage, judgment, award, settlement, fine, penalty, cost, and reasonable attorneys' fees and expenses, arising out of or relating to:

We will tell you promptly about a claim for which we intend to seek indemnity, though a delay in telling you reduces your obligation only to the extent the delay actually prejudices you. We may take sole control of the defense and settlement of an indemnified claim at your expense, and if we do you will cooperate with us at your own cost. You may not settle a claim in a way that admits fault by a Mitra OS Party, imposes any obligation or payment on a Mitra OS Party, or affects a Mitra OS Party's rights, without our prior written consent, which we will not unreasonably withhold. This indemnity is in addition to any other remedy available to us, not a substitute for it.

This indemnity applies to the extent applicable law permits, and it does not apply to the extent a claim arises out of a Mitra OS Party's own fraud, willful misconduct, or gross negligence.

6.9 Time limit on claims

To the extent applicable law permits, any claim arising out of or relating to these terms or the services must be filed within one year after the claim arose, and is permanently barred after that. Where the applicable law does not permit that period to be shortened, the shortest period that law does permit applies instead. This does not lengthen any period that is otherwise shorter.

6.10 Events outside our control

The Mitra OS Parties are not liable for any delay in performing, or failure to perform, anything under these terms to the extent it is caused by an event beyond our reasonable control. That includes natural disasters, severe weather, fire, flood, earthquake, epidemic and pandemic, war, invasion, terrorism, sabotage, civil unrest, embargo, act of government, court order, change in law or regulation, cyberattack, ransomware, denial-of-service attack, failure or unavailability of the internet, of telecommunications, of electrical power, or of a cloud, hosting, AI, payment, identity, or other provider, labor dispute, and the act, omission, or insolvency of a supplier or other third party.

6.11 Talk to us first

If a dispute arises, we would rather resolve it directly, and most disputes can be. Before starting an arbitration or a court proceeding, you or Mitra OS must send the other a written notice of dispute at the address in section 12 (or, if we are notifying you, to the contact details on your record). The notice must give your name and contact details, describe the dispute and the facts behind it, and say what you want. You and Mitra OS will then try in good faith to resolve it for 60 days.

Completing this step is a condition of starting an arbitration or a court proceeding, except for anything within section 6.12(e). Any limitation period, and any deadline for filing, is paused while the 60 days run. If a party starts a proceeding without completing this step, either party may ask a court or the arbitrator to pause it until the step is completed, and the arbitrator may decline to award that party its fees and costs.

This step is in addition to any notice or demand that the law requires before a claim is brought. It does not replace one, extend one, shorten one, or waive one.

6.12 Individual arbitration

If a dispute is not resolved under section 6.11, you and Mitra OS agree that it will be decided by binding individual arbitration, not in court. You and Mitra OS are each giving up the right to sue in court, the right to a trial before a judge or a jury, and the right to take part in a class or representative action. An arbitrator's decision is final, and a court may review it only on the narrow grounds the law allows.

(a) What this covers. A "dispute" means any dispute, claim, or controversy arising out of or relating to these terms, the services, our website, or your relationship with Mitra OS, whatever the legal theory, including questions about the formation, interpretation, breach, termination, validity, and enforceability of these terms. It covers claims against any of the Mitra OS Parties, claims that arose before you accepted these terms, and claims that arise after these terms end.

(b) Rules and administrator. The arbitration is administered by the American Arbitration Association under its Consumer Arbitration Rules, its Consumer Due Process Protocol, and, where they apply, its Mass Arbitration Supplementary Rules, each as in effect when the arbitration is filed, and as modified by these terms. The rules are available from the AAA. If the AAA will not administer the arbitration, you and Mitra OS will agree on a substitute administrator that applies comparable consumer protections, and if we cannot agree, a court will appoint one under section 5 of the Federal Arbitration Act. The Federal Arbitration Act governs this section 6.12, including its interpretation and enforcement.

(c) Who decides what. The arbitrator decides all issues, including the scope, interpretation, enforceability, and formation of this agreement to arbitrate. The one exception is that a court, not an arbitrator, decides the validity, enforceability, and interpretation of section 6.13, and whether a claim falls within the exclusions in 6.12(e).

(d) How it works. One arbitrator decides the dispute. The arbitration is conducted on documents, by telephone, or by video unless the arbitrator decides an in-person hearing is needed, in which case it takes place in the county or equivalent district where you live, or somewhere else you and Mitra OS agree. The arbitrator applies the law that section 6.14 sets and the limitations in this section 6, may award any individual relief a court could award under that law (including statutory damages and attorneys' fees where a statute provides for them), and may not award relief to anyone who is not a party. The award is in writing, states its essential reasons, and may be entered as a judgment in any court with jurisdiction. We pay the filing, administrative, and arbitrator fees the AAA Consumer Arbitration Rules allocate to us. Where your claim seeks US$10,000 or less, we will also pay the fees allocated to you, unless the arbitrator finds the claim frivolous or brought for an improper purpose.

(e) What is outside arbitration. Either of us may (i) bring an individual claim in a small claims court that has jurisdiction, for as long as it stays individual; (ii) ask a court for injunctive or other equitable relief to protect intellectual property, confidential information, or the security or integrity of the services or of member data; and (iii) bring a claim for public injunctive relief in court, which is severed under section 6.13 and paused until the arbitration ends. A claim alleging sexual assault or sexual harassment may be brought in court at the claimant's election, as the federal Ending Forced Arbitration of Sexual Assault and Sexual Harassment Act of 2021 provides. Nothing in these terms stops you from reporting anything to a government agency or from taking part in a proceeding a government agency brings.

(f) Opting out. You may reject this arbitration agreement. Send written notice within 30 days after you first accept these terms, to the address in section 12, giving your name, your contact details, and a clear statement that you are opting out of arbitration. Opting out affects nothing else in these terms, and we will not decline or withdraw your access because you did it. If you have opted out once, you do not need to do it again.

(g) Changes. If we materially change sections 6.11 to 6.13 after you accept these terms, the change does not apply to any dispute of which we had written notice before the change took effect, and you may opt out of the changed version within 30 days of it applying to you.

6.13 No class or representative actions

You and Mitra OS each agree to bring claims only in an individual capacity, and not as a plaintiff or class member in any purported class, collective, coordinated, consolidated, mass, or representative proceeding. The arbitrator may not consolidate or join the claims of more than one person, may not preside over any form of class or representative proceeding, and may not award relief to anyone who is not a party.

Where a large number of similar demands are filed by or with the coordination of the same counsel, the AAA Mass Arbitration Supplementary Rules apply, including the appointment of a process arbitrator and any batching those rules provide for, and you and Mitra OS will cooperate with them in good faith. Batching for administrative efficiency does not turn a proceeding into a class or representative one, and every claim is still decided on its own merits.

How this severs. If this section 6.13 is held unenforceable as to a particular claim or a particular form of relief, that claim or that form of relief is severed out of arbitration and heard in a court identified in section 6.14, the severed part is paused until the arbitration ends, and everything else proceeds in arbitration. If this section 6.13 is held unenforceable in its entirety, then section 6.12 is void in its entirety and disputes are heard in the courts identified in section 6.14. In either case the rest of section 6 continues to apply in full.

Jury trial. To the maximum extent permitted by applicable law, where a dispute is heard in court rather than in arbitration, you and Mitra OS each waive any right to a trial by jury. Some jurisdictions do not enforce a jury waiver agreed before a dispute arises. Where that is so, this waiver does not apply, and section 6.12 governs instead.

6.14 Governing law, and where disputes are heard

These terms, and any dispute arising out of or relating to them or to the services, are governed by the laws of the State of Delaware, United States, without regard to its conflict of laws rules, except that the Federal Arbitration Act governs section 6.12. Mitra OS is a Delaware corporation and our services are directed to users in the United States. The United Nations Convention on Contracts for the International Sale of Goods does not apply.

This choice of law does not take away the protection of any mandatory provision of the law of the place where you live that cannot be excluded by agreement. To that extent that law applies alongside these terms, and the rest of this section 6 continues to apply.

For any dispute that is not decided in arbitration, you and Mitra OS submit to the exclusive jurisdiction of the state and federal courts located in the State of Delaware, consent to personal jurisdiction there, and waive, to the extent applicable law permits, any objection based on venue or on an inconvenient forum. This does not apply to a small claims action under section 6.12(e)(i), which may be brought in a court that has jurisdiction over you.

6.15 What survives

Sections 2, 5, 6, 7, 8, 9, 11, and 12 survive the termination, suspension, closure, cancellation, or expiry of these terms or of your access, however it comes about, together with every other provision that by its nature is meant to survive. That includes rights and obligations already accrued, restrictions on use, the disclaimers, the limitations of liability, the indemnity, the time limit on claims, the arbitration agreement, the class and representative waiver, and the governing law and venue provisions. Ending your access does not release you from a liability incurred before it ended.

7. Intellectual property

The services, including their software, designs, text, graphics, interfaces, and underlying technology, are owned by Mitra OS or its licensors and are protected by copyright, trademark, and other intellectual property laws. Except for the limited license below and whatever rights you keep in your own content under section 8, these terms give you no ownership interest in the services and no right to any of that intellectual property.

Subject to your compliance with these terms, Mitra OS grants you a limited, personal, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the services for your own personal or, where applicable, your organization's internal use. This license does not permit copying, modifying, distributing, selling, leasing, or creating derivative works based on the services, and does not permit the reverse engineering that section 5 already prohibits. Mitra OS may suspend or revoke this license as described in section 9.

"MITRA," "Mitra OS," and their associated names, logos, and marks are trademarks of Mitra OS or its licensors. Nothing in these terms gives you a right to use them, except as needed to accurately refer to the services, and any goodwill generated by such use belongs to Mitra OS.

If you send us an idea, suggestion, or other feedback about the services, you agree that Mitra OS may use it for any purpose, commercial or otherwise, without any obligation to you, including any obligation to compensate you or to keep it confidential.

8. Your content

You own your content. As between you and Mitra OS, you keep all rights in the messages, files, and other material you submit to the services. We do not claim ownership of it.

You grant us a limited, non-exclusive, worldwide, royalty-free license to host, store, copy, transmit, display, process, and create technical derivatives of your content solely as needed to operate and secure the services, to provide the functionality you request, and to comply with law. This license lasts only as long as we hold your content for those purposes, and it exists so that ordinary operations such as transmitting a message, indexing it so you can search it, sending it to an AI provider so a feature can answer you, and backing it up are lawful. It does not permit us to use your content to advertise to you or to sell it.

How we handle, retain, and delete your content, and the rights you have over it, are described in the privacy policy, which this license does not narrow.

9. Term, suspension, and termination

These terms apply for as long as you have access to the services, from the point you accept them until your access ends. As section 3 states, access may be declined or withdrawn at the discretion of Mitra OS.

We may suspend or terminate your access, in whole or in part, with or without notice where notice is not practicable, if you breach these terms, we reasonably suspect fraud, abuse, or a security risk, we are required to by law or by a provider we depend on, or, while access is limited to invited or approved users, at our discretion. Where notice is practicable, we will make a reasonable effort to tell you why. You may stop using the services at any time, and may ask us to close your account by writing to the address in section 12.

When your access ends, your license to use the services under section 7 ends immediately. Ending your access does not excuse any obligation that accrued before it ended, and does not limit any right or remedy otherwise available to Mitra OS. Section 6.15 lists what survives.

10. Changes to these terms

Changes to the services themselves, including adding, changing, or removing a feature, are described in section 1 and do not need an update to these terms. Separately, we may update these terms as our services, our providers, and the law change. Every version carries a version identifier and, once in force, an effective date, both shown at the top of this page.

Changes generally apply going forward from the date the updated version takes effect. If we make a material change, we will take steps reasonably designed to bring it to your attention before it applies to you, such as a notice in the service or on this website. Where the law requires your consent to a particular change, we will obtain it. Where it does not, continued use of the services after an update takes effect means the updated version applies to that use, to the extent the law permits. This section does not narrow section 6.12(g), which sets its own, more protective rule for a material change to the arbitration agreement.

11. General provisions

Entire agreement. These terms, together with the privacy policy, which they incorporate by reference, are the entire agreement between you and Mitra OS about the services, and supersede any earlier agreement or understanding on that subject. They do not replace terms you have accepted for a service that another company operates, as section 1 explains.

Severability. If a provision of these terms outside section 6 is held invalid or unenforceable, it is narrowed to the minimum extent needed to make it enforceable, or severed if it cannot be narrowed, and the rest of these terms stays in full force. Section 6.7's savings clause governs section 6 itself and controls over this paragraph for that section.

Assignment. You may not assign or transfer these terms, or your rights under them, without our prior written consent. Mitra OS may assign these terms, without your consent, in connection with a merger, acquisition, reorganization, or sale of all or substantially all of its assets, or by operation of law.

No waiver. A failure by either you or Mitra OS to enforce a provision of these terms is not a waiver of the right to enforce it later.

Notices. Where these terms allow or require Mitra OS to notify you, we will do so within the services, through a service message, or by posting the notice on our website.

Relationship of the parties. Nothing in these terms creates a partnership, joint venture, or agency relationship between you and Mitra OS, or between Mitra OS and a third-party provider described in section 6.3.

No third-party beneficiaries. These terms are for the benefit of you and Mitra OS only, except that each of the Mitra OS Parties may rely on and enforce section 6 as that section itself provides.

12. Contact

Mitra OS, Inc., a Delaware corporation.

Email: help@mitraos.ai

Registered office, for written notices: Mitra OS, Inc., c/o Legalinc Corporate Services Inc., 131 Continental Dr, Suite 305, Newark, DE 19713, United States.

Email is the fastest way to reach us. A notice sent to the registered office is received through our registered agent.