Terms of Service (EULA)

Effective September 5, 2026. Last updated October 22, 2026. The AI balance terms of September 24, 2026 in section 3, and the additions of September 25 and 26, 2026 — the paid services in sections 2, 3, 4 and 11 and the additions to section 4 — apply from October 20, 2026. “Online ordering switched on for you” in section 2 applies from September 26, 2026, and only to businesses that join Paloma on or after that date. The courier terms of September 27, 2026 — paying for couriers with a card, in sections 2, 3, 6 and 11 — apply from October 14, 2026, or, for a business that attaches a card for couriers before then, from the moment it attaches it. “New businesses: activation” in section 2, and the welcome credit on activation in section 3, apply to businesses added after they were published on September 28, 2026; every business that existed before then is already active. The welcome credit once per account in section 3 applies to businesses added after it was published on October 4, 2026; a business added before then keeps its own welcome credit. The price list of September 28, 2026 in section 3 — what AI, texts and each delivery cost — takes the place of the earlier pricing of AI, texts, phone-line minutes and couriers, and applies from the same dates. The new price list in section 3 and the new prices of the paid services, published on October 6, 2026, apply from October 20, 2026. For a business added on or after October 7, 2026 (UTC) by a person who had no business with Paloma before then — none they added and none they own — the new price list in section 3 applies instead from the moment the business is added; the paid services, and everything else these terms date October 20, 2026, start for it on that day, as for every business. “Uber Eats connected directly” in section 2, published on October 6, 2026, applies to a store from the moment its business connects it to Paloma directly. “Your menu in Paloma” in section 2, published on October 7, 2026, and what sections 4, 6, 11 and 12 say about a menu kept in Paloma, apply to a business from the moment it starts keeping its menu in Paloma. “WhatsApp” in section 2 and the drafts of WhatsApp replies in section 3, published on October 8, 2026, apply to a business from the moment it connects its WhatsApp number to Paloma. “Ordering through Google” in section 2, published on October 8, 2026 and changed on October 9, 2026, applies to a location only from the moment the owner of its business turns it on for that location. “Your menu and photos of dishes on Google” in section 4, published on October 10, 2026, applies to a location only from the moment the owner approves a card that names them for it. The changes of October 6, 2026 to sections 4, 12, 13, 14, 15 and 16 — what we do not promise, the limits of liability, your indemnity, how disputes are resolved and how these terms change — apply to a business added on or after October 8, 2026 (UTC) from the day it is added, and to every business added before then from October 22, 2026; until then, the earlier wording at the end of these terms applies to it. The review of calls to improve the service in section 7, published on October 22, 2026, applies to a business that joins Paloma after it is posted from the moment it joins, and to a business added before then 14 days after we tell it in the app or, if earlier, from the moment its owner accepts it on a card in the app; in either case only to calls that start after that moment and open with the statement that the call is recorded for quality. These terms are a contract between PalomaFinTech LLC, doing business as PalomaCEO.ai (“Paloma”, “we”), and the business that installs or connects the service (“you”, “the merchant”).

By installing Paloma from the Clover App Market, connecting a point-of-sale account, or using the service, you accept these terms. If you accept them for a business, you confirm you are authorised to bind it.

1. Business use only

Paloma is provided for business use. It is not for personal, household or consumer use, and it is not sold to anyone under 18.

2. What the service does

Paloma answers your phone calls with an AI assistant, takes pickup and delivery orders by phone and on the ordering pages and website it hosts for you and places them in your point-of-sale system — or, if you keep your menu in Paloma, takes pickup orders and sends them to your order screens (“Your menu in Paloma” below) — sends payment links and order-related text messages, publishes the posts you approve to your social and Google profiles and, when you approve it, sets your Google Business Profile’s hours and links from what Paloma knows, and answers questions about your own business data. Features depend on what your point-of-sale system, if you connect one, exposes, on your account's limits (sections 3 and 5), for features and services paid from your balance, on your balance, and, for delivery, on a card for couriers (section 3).

PalomaPOS. If your business uses PalomaPOS, you can connect it in the app. Paloma then reads your PalomaPOS account — its locations, menu, orders, customers and staff — to bring in your menu and answer questions about your business; for now it writes nothing to PalomaPOS and takes no orders for your PalomaPOS locations, by phone or on your ordering pages. PalomaPOS is a point-of-sale system that we, PalomaFinTech LLC, also offer. It is a separate product: these terms do not cover your use of PalomaPOS itself, whether you connect it is your choice, and connecting it changes nothing else in these terms.

New businesses: activation. Anyone can create a Paloma account and add a business. A newly added business is activated automatically, without a review by our team, as soon as the person who added it has confirmed their email address — with the link in our email, or by signing in with Google — and their own mobile number, with a one-time code we text to it. The mobile number you confirm must be your own, and one number can be confirmed on only one Paloma account. Until the business is activated you can connect Clover or Square, bring in your menu, preview your ordering page and website — which take no orders and are not offered to search engines — and ask our team for help. The assistant and everything else that uses AI, calls, text messages, your guests’ orders, the paid services, adding funds, the welcome credit, team invitations and API keys open when the business is activated. Our team can also activate a business itself, for example when our email or our text cannot reach you. A business whose Clover account is connected through our app in the Clover App Market is activated by that install, once for each Clover merchant account; if that merchant account is or was connected to another business on Paloma, or its install has already activated a business, the business is activated as described above. Our team may look at your account and at what your point-of-sale system tells us about the business — its name, address, phone number and merchant account, and whether that merchant account is already connected to another business on Paloma — and may call the business’s phone number or your mobile number to confirm that you run it. We may decline to activate a business, for example when we cannot confirm that you run it or may act for it, when it would use the service for protected health information without a business associate agreement with us (section 9), or to prevent fraud or abuse; a declined business is not activated by your confirmations, we tell you in the app, you can ask our team what we need, and we can still activate it later. Activation does not limit our right to suspend the service under section 11. A business waiting for activation, or declined, is charged nothing, and you can delete it in the app at any time (section 11).

Your menu in Paloma. If your business does not connect Clover or Square — it has no point-of-sale system, or uses one Paloma does not connect — you can keep its menu in Paloma instead, once the business is activated. You start it and change it by talking to the assistant: items, prices, categories, options, items sold out or taken off the menu, which items are taxed and which are age-restricted. To start, you can send the assistant a photo of your menu, or the address of a page of your business’s own website; Paloma reads that photo or page — and, if the menu is on another page of the same site, that page — and shows you every item and price it read on a card. Nothing is added to your menu until you approve the card, you can leave items out first, and an item without a price is added off sale. Paloma can misread a photo or a page: check every name and price on the card before you approve it, because what you approve is your menu and your prices. You confirm that the menus, photos and pages you give Paloma to start from are your business’s own or that you may use them this way. Paloma is not a register or a point-of-sale system: it does not take payments at your counter, does not see your counter sales, and does not keep the records of your sales that a point-of-sale system or your accountant keeps for your taxes and books. Guests order from a menu kept in Paloma for pickup only — on your ordering pages, by phone and through AI assistants; each order goes to the places you set up for it — your order tablet (section 4), your team’s Telegram group and your notifications — and not to any point-of-sale system, and the order is yours to fulfil like any other the service takes for you. Your guests pay you at pickup or, once your business connects its own Stripe account and has no Clover or Square, online on a Stripe Checkout page on that account (section 6); either way the money goes to you, never through Paloma. If your business later connects Clover or Square, the menu kept in Paloma stays open beside it until you ask the assistant to close it and approve its card. Closing it gives the Clover or Square location you choose the place of the menu kept in Paloma — your Paloma number if it has one, and what you told Paloma about that location — and your ordering page then shows that location alone, with its own menu and prices, while the menu kept in Paloma no longer has a page of its own; if Paloma keeps your Google profile’s hours in step (section 4), it then takes them from that location. The items of the closed menu come off your pages and calls and are kept only as the record of your past orders. A Paloma number that moves this way stays the same number at the same price (section 3) and is not charged twice; if the Clover or Square location already has a Paloma number, or one is being set up for it, the menu is not closed until you release one of them, so that no number is left without a location and still charged. Keeping your menu in Paloma has no price of its own; the assistant’s answers and calls are charged as section 3 says.

Sales tax on a menu kept in Paloma. A menu kept in Paloma takes no orders until you tell Paloma your sales tax rate for that location. Paloma then adds tax at that rate to the items you have not marked untaxed, rounding to the cent, names that total to your guest on your ordering pages and on calls, and, when your guest pays online, charges exactly that total. The rate, which items are taxed, and collecting, reporting and paying the tax are yours: Paloma does not look up, check or advise on tax rates — which can differ by state, county, city and kind of item — and files and pays no tax. Tell Paloma at once when your rate changes; until you do, it keeps using the rate you gave it. You are the seller of everything guests order from you through Paloma: Paloma does not collect your guests’ money, and it does not collect or remit sales tax on your sales.

Online ordering switched on for you. For a business that joins Paloma on or after September 26, 2026, Paloma switches online ordering on for your ordering page by itself once your menu has come from your point-of-sale system and every location that takes online orders has its opening hours and address — unless someone at your business has already set online ordering — and tells you in the Inbox. From then on guests can order on that page, and those orders are yours to fulfil like any other order the service takes for you (section 4). You can switch it off at any time in the app’s settings or by telling the assistant; once your business has set it or switched it off, Paloma never switches it on again by itself. A location without an address takes no online orders. Paloma does not switch online ordering on by itself for a business with 20 or more locations; if your restaurant is part of a chain of 20 or more locations doing business under the same name, keep it off unless we confirm in writing that the ordering pages meet the menu-labeling rules (section 4).

Texts to your guests. Paloma texts your guests on your behalf only about an order, a catering request, an item hold, a table booking or a sign-in that the guest started, and only to the number that guest gave. In the app's settings, under Texts to guests, you can see the exact wording of each of these texts in each language your guests may get it in, who receives it and when, and you can turn off payment links, payment confirmations, expired-link notices, courier updates and refund notices at any time; only an owner of your business can change these settings. Without payment links, callers pay at pickup and orders by phone are for pickup only. The confirmation of an order paid at pickup, the notice that an order could not be placed or that its courier delivery was cancelled, item-hold, table-booking and catering-request texts, sign-in codes and replies to STOP, START and HELP cannot be turned off: the guest was told to expect them, the order depends on them, or phone carriers require them. We may improve the wording of these texts; the app always shows the current wording. We do not send marketing texts to your guests. A guest can also tap “Notify me” on the page of an order they placed with you to be notified about it on that phone, or, if signed in, about their orders with you: when a pickup order is marked ready, when the courier picks an order up and delivers it, and when you refund it. A notification shows only your business's name and a fixed line for that stage, with the courier's estimated arrival where known; the same Texts to guests settings show the exact wording of each notification, who receives it and when, and let an owner turn each one off. When the push service of a guest's phone accepts the “courier picked up” notification of an online order, Paloma does not send the text about the same stage; every other text still goes. Notifications are not charged, and we do not send marketing notifications to your guests. When a guest replies to one of these texts with other words than STOP, START, HELP or another clear request to stop the texts (which stops them at once), Paloma shows the reply in your Inbox to your owners and managers if your business is the only one that texted that number about an order, a catering request, an item hold or a table booking in the last 72 hours, or the one whose latest text came at least two hours after every other business’s; otherwise the reply reaches no business. Paloma does not answer these replies, does nothing because of them and does not watch for them as they arrive: to answer a guest, call them. If a guest’s reply asks you not to text them, your owners and managers can record that with Stop texting this guest on the reply: it stops all of Paloma’s texts to that number at once, for every business that uses Paloma, payment links included; only the guest can turn them back on, by replying START, and the guest gets no text about it. A reply by text is not a dependable way for a guest to cancel or change an order, and answering your guests remains yours.

Emails to your guests. Only the owner of your business can turn on emails to your guests, one kind at a time, on a card in the app that shows what the email says with an example, who gets it and its price; the owner turns each off the same way or by telling Paloma to stop. The kinds are: an invitation to order again a week after a guest's first online order when there is no second one; an invitation to come back when a guest's last online order was the number of days ago you choose; a reminder, an hour after the payment link of an order a guest started on your ordering page expired unpaid, with a button that puts the same items back in the cart; and, the day after a guest's first online order is handed over or delivered, thanks with a link to review you on Google, the same for every such guest. Paloma sends them only to guests who ticked the box for your offers and news — on your ordering pages or on an offer's page (section 4) — and then confirmed their address with the one email Paloma sends each of them for that when you first turn an email on — never to an address from your point-of-sale system or to a guest who unsubscribed — at most one email to a guest a week, counting all kinds together, and only for a location whose postal address Paloma has. Each email shows your business's name as the sender, comes from Paloma's mail domain, carries your location's postal address and phone number, says why the guest gets it and has a link that unsubscribes at once. The words are Paloma's fixed template, filled in only with facts: your business's name and details, the guest's first name and the items of the guest's own order; they offer no discounts and promise nothing your point of sale does not show. Paloma does not track whether an email is opened; it shows you how many emails of each kind went out and the orders placed from them, with their total. Your business is the sender of these emails — the business they promote, and the one that decides to send them; Paloma sends them for you as your service provider and runs the list, the confirmations and the unsubscribes as these terms describe. Keep your locations' addresses and phone numbers in your point of sale correct: every email carries them, as the law requires. Emails to guests are charged to your balance at the price section 3 lists; until section 3 lists a price, Paloma sends none.

Rewards. You can run a rewards program for your guests: only the owner can turn it on, change it or turn it off, each time on a card in the app. The program is your business's own — you offer it to your guests, and Paloma runs it for you. Guests get points back — 5 % unless you choose another rate, 1 point = 1 cent — on the items they buy at your register and on orders placed with Paloma after the moment you turn it on, before tax, tips, delivery and other charges; items sold only to adults (such as alcohol or tobacco) earn no points and cannot be paid for with them, and marketplace orders earn none. A purchase at your register earns for the phone number on the order, or for the one number the paying card was linked to when a guest gave that number and paid with that card at your business; a card linked to two numbers earns for neither. Clover tells Paloma only a card's type and some of its digits, so two different cards can rarely look the same and a purchase may then earn for another guest; that is part of the program. A refund takes back the points its order earned, and a balance goes after the period without a purchase that you set (6 months unless you choose another). Points have no cash value: they cannot be bought, sold, transferred or exchanged for cash, are not a gift card or stored value, and are only a discount you give on later orders at your business, applied before tax. Guests spend points only online, on your ordering page, after signing in with their number and agreeing to the program's terms, which Paloma publishes on your ordering page in your name as your program's terms, with the notice of financial incentive California's privacy rules describe; a guest sees only their balance and its expiry date, never their purchases. Points are a discount on items before tax: never on tax, tips, delivery or other charges, and never on an order that includes an item sold only to adults, and at least $1.00 of the items always stays to pay. In your point-of-sale account they show as a discount named "Paloma points" or, where the payment page takes no discount (Clover's hosted checkout, Stripe), as lower item prices marked "Paloma points". Points on an order that is never paid go back to the guest within a few hours, and a refund gives back the points spent on it in proportion. A guest can leave the program at any time, and their points are then erased. A new rate or expiry applies from the change, points guests hold keep their value, and guests agree to the new terms before they spend again. When you turn the program off, nothing earns from then on, and guests keep 30 days to spend what they hold. Paloma charges nothing for the program; what guests spend is your discount. In the app you see the program's totals, and one guest's balance and record only when you look up their number to answer their own request; your download of the business's data includes each number's balance and its record and the numbers that left the program, without card codes, so that you can answer your guests' requests.

Promo codes and Promo Cards. You can offer your guests a discount on online orders on your ordering page — a promo code with its own page and printed Promo Cards with a QR code. Only the owner can start an offer, and pause, end or extend it, each time on a card in the app that shows the exact words guests will see; Paloma sends offers to no one. The discount is yours: an amount or a percent off the items of the order before tax — never off tax, tips, delivery or other charges — on an order that reaches the minimum you set, only online on your ordering page, once per guest, never together with your rewards and never on an order that includes an item sold only to adults. "New guests only" means that the phone number and the email on the order are not on an earlier order at your business, placed with Paloma or held by your point-of-sale system, nor on an earlier use of an offer of yours for new guests; Paloma checks this at checkout. If you choose, guests get the offer by joining your email list for offers and news; Paloma then shows them, in your name, the offer's terms and the notice of financial incentive California's privacy rules describe, and adds their choice to your list (see "Your guests' email addresses" in section 4). In your point-of-sale account the discount shows as a discount named "Promo" with the code or, where the payment page takes no discount (Clover's hosted checkout, Stripe), as lower item prices marked so. Once you approve an offer, its discount, minimum, who it is for and whether it asks for the email choice do not change, because printed cards carry them; you can pause it, end it early, extend its end date or allow more uses. If you end or pause it early, a guest who joined your email list for it on its page can still use it for 14 days after joining, but not after the date it was to end. An order that is never paid gives its use back; a refund does not. Paloma charges nothing for offers; what guests save is your discount.

Gift cards. If your business uses Square, you can sell your own eGift cards on a page Paloma runs for you: only the owner can turn sales on, change the amounts offered or turn sales off, each time on a card in the app, and Paloma first asks you to reconnect Square with the permission to manage gift cards. Each card is your business's Square gift card: you issue it and owe its value, its balance is kept in your Square account, and guests pay for it on your Square payment page, so the money goes to you. Paloma is your service provider for the cards: it never receives or holds the money paid for a card and charges nothing for gift cards. Square keeps 2.5% of each card's amount when it is activated — Square's charge to you, under Square's terms, not Paloma's. Cards have no expiry date and no fees for guests — not for buying, using, not using or checking them — and the guests' terms, which Paloma publishes on your ordering page in your name, say so. A card holds at most $2,000, and one buyer can buy at most $2,000 of your cards a day; a purchase over that is held and not issued, and you decide on its refund. Paloma sends nothing to the buyer or to the person the card is for: the buyer sees the card on its own page right after paying and shares it. Guests use cards at your register, as any Square gift card, and on your ordering page, where a card pays an order only when its balance covers the whole total, including tax, tips and delivery, and Paloma then asks Square to charge the card for the order. A card is never taken at another business, never pays for another gift card, and Paloma never pays out, moves or transfers a balance. Turning sales off stops only new sales: cards already sold keep their balance and keep working on your ordering page and at your register, and if you leave Paloma they stay your Square gift cards. Paloma does not refund or cancel cards yet: you refund a card's payment — including a purchase that was held, or paid for but whose card was not issued — and cancel what is left on a card whose payment was reversed, in your Square account under Square's rules; the guests' terms tell buyers to contact you about refunds. In the app you see your cards with the last four characters of their codes, their sales, redemptions and the balances left; your download of the business's data includes the cards and their activity, without codes.

Table bookings. When you turn on table bookings for a location, guests can book a table on your booking page, by calling your Paloma number, or through you in the app. Paloma offers only times inside that location's opening hours and within the limits you set — how many guests by booking at once, the largest party, how long a table is held, and how far ahead — and counts only bookings made through Paloma, not walk-ins or bookings you take elsewhere. A booking is confirmed at once, without your approval, and the guest is texted a confirmation with a link to cancel. Keeping the limits and hours true, honoring the bookings Paloma confirms, and anything you promise a guest about seating are yours; you can cancel a booking in the app, and the guest is then texted that you cancelled it. Paloma takes no deposits or card details for a booking and charges guests nothing; texts about bookings are paid from your balance like other texts to your guests. A guest's request with a booking (up to 200 characters, in the guest's words) is shown to your owners and managers; Paloma does not send it to your kitchen or your point-of-sale system.

Catering and kitchen pace. When you turn on catering, guests can send a request for a catering order to pick up on a later day from your ordering page, within the notice, the furthest day and the minimum food total you set and inside the location's opening hours; these are your rules for your guests, and Paloma shows them to guests as you set them. A request is not an order: nothing is charged and nothing reaches your point-of-sale system until your owner or a manager confirms it, and Paloma never confirms one on its own. A request you neither confirm nor decline in time expires, and the guest is texted that it could not be confirmed. When you confirm, the guest is texted a link to pay on your point of sale's payment page, and only that payment places the order — or, if you take payment at pickup, your confirmation places it at once; a confirmed request left unpaid until an hour before your kitchen starts is released, and your kitchen gets no ticket for it. When you decline, the guest is texted that you can't take it; a reason you give is kept for you and never sent to the guest. Honoring the requests you confirm, what you promise a guest about catering, and any deposit or cancellation terms of your own are yours; Paloma takes no deposits, and catering is for pickup only. Your team can also tell Paloma the kitchen is busy, which adds the minutes they choose to the ready time of new orders for the hours they choose, and you can set how many orders one 15-minute window takes, after which new orders are offered later times; the times Paloma shows guests are estimates from these settings and your preparation time, and keeping them true is yours. Catering and these settings cost nothing; texts about catering requests are paid from your balance like other texts to your guests.

Texts to your alert number. If you set a mobile number in the app to be texted when an order needs a person, Paloma texts that number from its own text line about your orders that need someone — for example, an order that did not reach your point-of-sale system or was not printed, or a courier that could not be booked or was cancelled. A text names the order and, where you need them to act, your guest's name as given and the delivery address — never your guest's phone number. Enter only a number whose user has agreed to get these texts. Message and data rates of that user's carrier may apply; a reply of STOP stops these and all other texts from Paloma to that number until the user replies START. These texts are not charged to your balance. To stop them, clear the number in the app.

WhatsApp. You can connect your business's own WhatsApp Business number — the one you keep using in the WhatsApp Business app — so that your guests' new messages to it appear in your Inbox and Paloma drafts replies from your menu, hours, address, ordering page and the status of the guest's own order. Your WhatsApp Business account, your number and your conversations with guests are yours: you accept Meta's terms for them yourself when you connect, any charges Meta makes for your messages are between you and Meta, and Meta can limit or end your account or the connection under its terms. Paloma sends a reply only after an owner or manager of your business approves it, as written or after changing it; only to the guest who wrote; and only within the 24 hours WhatsApp allows after that guest's last message. Paloma never messages a guest first, sends no marketing or templates, and does not answer by itself. A reply you approve is your business's own message: check that what it says is true, especially about prices, allergens and orders. Paloma does not draft replies that sell, price or promote alcohol, tobacco or other goods WhatsApp's policies restrict, and you agree not to use the connection for them, or to connect a number of a business whose main trade is such goods. By connecting, you confirm that you may connect that number, that you follow WhatsApp's Business Messaging Policy, and that your own privacy notice to your guests says that you use service providers to handle their messages. Paloma does not bring in your earlier chats or your contacts (see the Privacy Policy). Meta gives Paloma access to your number for 60 days at a time: a week before it ends, Paloma reminds you in the app to connect WhatsApp again, and until you do, it drafts and sends no replies. While your business is waiting to be deleted — including after you remove its last point-of-sale connection — WhatsApp is paused: Paloma does not take in your guests' new messages, which still reach the WhatsApp Business app on your phone, and drafts and sends nothing; if you restore the business or reconnect your point of sale within the 30 days, WhatsApp resumes as it was, without the messages from the pause. Disconnecting WhatsApp in the app stops Paloma receiving and sending at once and leaves your number and the WhatsApp Business app on your phone as they are; after you connect, some features stop working on that number in the WhatsApp Business app, as the connection screen lists.

Uber Eats connected directly. Today Uber Eats, DoorDash and Grubhub orders reach Paloma through OrderOut. If Uber allows it, Paloma may later let you connect your Uber Eats store to Paloma directly, by signing in to Uber on Uber's own page; this paragraph applies to a store only from the moment you connect it that way. By connecting it, you confirm that you may do so for that store and that your business has an agreement with Uber to sell on Uber Eats and keeps it while the store is connected, and you authorise Paloma to act for you with Uber: to receive the store's Uber Eats orders and the customer information Uber includes with them, place them in your point-of-sale system, accept, decline, cancel or mark them ready with Uber, and send Uber the store's menu, hours, items out of stock and prep time. Your own agreement with Uber governs your sales on Uber Eats, including what Uber pays you; Paloma never handles that money. You also agree that:

• you use the customer information that comes with an Uber Eats order — the customer's first name and last initial, the phone number Uber gives for the order and, when you deliver it yourself, the address — only to prepare, hand over and deliver that order and to deal with it afterwards, and never to market to that customer, add them to your own customer lists or contact them about anything else. Paloma holds itself to the same rule: it does not add Uber Eats customers to your guest list, does not text or email them, does not give their name, number or address to an AI model or put them in texts to your alert number, and removes them from its own records 30 days after the order ends;
• your staff follow the allergy notes and special instructions on each Uber Eats order. Paloma puts every note Uber sends with an order on its ticket in your point-of-sale system word for word; when a note cannot get there in full, Paloma does not accept the order for you — it brings it to a person, or declines it with Uber;
• you keep the Uber Eats tablet at your store, switched on and within reach of the staff who take orders. Paloma does not replace it, and when the connection stops, your orders go back to it;
• you never give Paloma your Uber Eats login or password, and Paloma never asks for them;
• you will defend and indemnify us against third-party claims arising from how your business prepares, packages and hands over Uber Eats orders, including whether your staff follow the notes Paloma passed to them.

Uber can change or end this access at any time, and you can disconnect the store in the app at any time.

Ordering through Google. Google lists some ordering providers on a restaurant’s place in Google Search and Maps, so that guests can start an order from there. Paloma may offer this to your business before Google has accepted Paloma as one of them, and Google may never accept it. This paragraph applies to a location only from the moment the owner of your business turns it on for that location with the card in the app that names it — Paloma never turns it on by itself, and no one at Paloma can turn it on for you. Until Google accepts Paloma, turning it on sends Google nothing and changes nothing for your business: Paloma starts sending only after Google accepts it, and tells you in the app when it starts; if Google does not accept Paloma, nothing is ever sent, and Paloma tells you so in the app. Once Paloma sends, you authorise Paloma to send Google, for that location and to keep up to date, your business’s name, the location’s address, place on the map and public phone number, the address of its ordering page, whether it offers pickup and delivery, the hours it takes orders, its preparation times, its delivery area and a fixed delivery fee if it has one, and, if Paloma sends Google menus, its complete menu with items, prices and descriptions as its ordering page shows them. Paloma never sends Google more for a location than the card you approved for it names; anything more needs a new card. Google may then show Paloma as an ordering provider for that location and send guests to its ordering page, where they order and pay you as they do on that page today (section 6), and the page names Paloma as the service that runs it. Paloma does not send Google your guests’ names, phone numbers, email addresses or what they ordered: for an order a guest started from Google, it only tells Google that the order was placed. You agree that:

• the location is a real place at the address Google has for it, and you prepare and hand over — or deliver, where you offer delivery — every order that comes this way, as you do any other;
• the menu, prices, fees and hours on your ordering page are right, because Paloma sends them as they are, and what a guest pays is what your ordering page shows before payment, apart from an optional tip;
• you do not say or suggest that Google endorses or sponsors your business or Paloma, or is its partner, because of this listing.

Google decides whether, where and how to show your location and which other providers it lists for it, can change or end this at any time under its own policies, and Paloma promises no placement, order or result. You can turn it off for any location at any time — in the app, in words to the assistant or by writing to support@palomaceo.ai — and Paloma then takes that location out of what it sends Google within five business days; it does the same by itself when the location stops taking online orders, and when your business stops using Paloma, is suspended (section 11) or is deleted. How soon Google stops showing it is up to Google.

3. Balance, billing and cancellation

Paloma has no plans or subscriptions to choose from: every feature is open to an activated business as these terms describe it, and you pay for what you use from your prepaid balance at the price list below. Your account's usage limits and any charge are shown in the app before they apply.

• Installed from the Clover App Market: Paloma is offered in the Clover App Market free of charge (US $0), and Clover bills you nothing for it. If we offer a way to pay for Paloma there — such as adding funds, or a charge that repeats each month — it is billed by Clover on your Clover statement at the price the Clover App Market shows before you choose it; you start, change and cancel a repeating charge in the Clover App Market, cancellation takes effect at the end of the current billing period, and we do not bill you separately for it. This covers your whole business once any of its Clover accounts is connected through our app in the Clover App Market, however you found us: everything you pay us for Paloma — funds you add to the balance, and any paid feature or service — is billed by Clover on your Clover statement at the prices shown there, and we do not take payment for Paloma from you through Stripe or in any other way. Adding funds through Clover is not available yet: until it is, your balance is your welcome credit, any credit we give you and any funds you added before, which stay on your balance; when it runs out, the features that use it pause as described in “Low or empty balance” below, and nothing is charged to you.
• Everyone else: there is no subscription. You pay Paloma by adding funds to your balance on a page hosted by Stripe, only when you choose to — the balance is never topped up automatically (see “Adding funds” below) — and, for couriers, with a card you attach (see “Couriers paid with a card” below).

Balance. Features that run on AI — answering your calls, the assistant in the app, drafts of replies to your WhatsApp messages, voice input, translations, generated pictures and videos, and summaries such as the daily brief — and, from October 20, 2026, the paid services listed below are paid from one prepaid balance (called the “AI balance” in earlier versions of these terms). The balance belongs to your business and covers all its locations.

• Prices. AI and texts are charged by this price list, in US dollars, whichever providers, models or servers do the work:
  • Calls: US $0.12 a minute of a call the assistant answers on a Paloma number with a local area code, US $0.13 on a toll-free number; billed by the second, with at least one minute for each call it answers. From October 20, 2026, these are US $0.22 and US $0.24 a minute: a call is charged at the price in force when it ends, and the new prices take effect at the start of October 20 in Hawaii (10:00 UTC), so that they start on October 20 wherever you are in the 50 states. For a business added on or after October 7, 2026 that the start of these terms names, these prices, and the rest of the list below, apply from the moment it is added. A call the assistant does not take, and the time a call spends transferred to your business's own number, are not charged.
  • The assistant: US $0.12 for each answer it gives you in the app or in a chat, and US $0.01 a minute of voice input in the app, billed by the second. A description or categories for your Google Business Profile that it drafts when you ask (section 4) are part of its answer and are not charged again.
  • Texts: US $0.02 for each segment of a text message sent for your business — payment links, order updates and sign-in codes for your guests; texts to your own alert number (section 2) are not charged. A message of up to 160 characters is one segment, or of up to 70 when it has a character outside the standard text-message alphabet (such as Cyrillic, some accented letters or an emoji); a longer message is split into several segments, each holding a little less.
  • Pictures and videos: US $0.01 for a picture of a dish or product, US $0.02 for a banner for your website, US $0.30 for an atmosphere video. An atmosphere video is one clip the video model draws in a single request, of at most 8 seconds, followed by your card unless you ask for none; it is never cut together from several clips, so a longer video is not made. Unless you name a length, it is Paloma's standard length, 4 seconds today; a 6- or 8-second video you ask for is charged as the number of standard-length atmosphere videos it takes to cover it — two today, so US $0.60 — and Paloma tells you the length and the price when it starts the video and charges only once the video is ready. If you ask for a video longer than 8 seconds, Paloma makes no longer one: it either asks whether you want an 8-second video, or makes an 8-second one and tells you, as it starts it, that it is 8 seconds and not the length you asked for, and its price; either way it is charged only once it is ready. How many videos fit in a day is in section 5 (“AI videos a day”).
  • Work in the background: US $0.005 for each daily brief, US $0.004 for each note or opportunity Paloma writes for you, US $0.005 for each month's summary, US $0.007 for each 1,000 characters of your menu or pages translated into one language, US $0.40 for each 1,000 items sorted onto your storefront's shelves, US $0.05 for each 100 dishes given “Goes well with” suggestions, and US $0.01 for each check of a product photo. Each post Paloma writes from your menu once you turn that on (section 4) is charged as a note. Reading your own website once after you connect your Google Business Profile, to propose what your business does and sells on a card, is charged as a note when it makes that card, and is free when it finds nothing to propose. The weekly review of your business — one note each week with its main step and, side by side, the before and after of the last step you approved — is charged as a note when AI words its step, and is free when it is written from Paloma's template. Each reply to a Google review that Paloma drafts by itself once you turn that on (section 4) is charged as a note; a reply drafted when you ask in the chat is part of the assistant's answer, and the review link on your guests' order pages is free.
  • From October 20, 2026: the other units of the list are: US $0.16 for each answer of the assistant, US $0.012 a minute of voice input, US $0.025 for each segment of a text message, US $0.40 for an atmosphere video (a longer one counted as above: two today, so US $0.80), US $0.007 for each daily brief, US $0.006 for each note or opportunity, US $0.008 for each month's summary, US $0.01 for each 1,000 characters translated into one language, US $0.55 for each 1,000 items sorted onto your storefront's shelves, US $0.08 for each 100 dishes given “Goes well with” suggestions, and US $0.014 for each check of a product photo; a picture of a dish or product and a banner keep their prices. Like calls, each is charged at the price in force when it is used, from the start of October 20 in Hawaii (10:00 UTC) — or, for a business added on or after October 7, 2026 that the start of these terms names, from the moment it is added.

  A charge may be a fraction of a cent. The app lists every charge — what it was for, when, and how much — and lets you export the list. Your guests never pay into the balance, and their payments are not connected to it. We change these prices only as section 16 describes.

• Paid services. From October 20, 2026, the balance also pays for these services, and the app shows the price of each, and what is due now, before you turn it on:
  • Social accounts: US $7 a month for each connected account Paloma posts to — each Facebook Page, Instagram account, Google Business Profile location, TikTok account, YouTube channel, LinkedIn company page and Threads account. The price is for our posting service and is the same whichever way the account is connected (section 4).
  • Paloma phone number: US $2.30 a month for a number with a local area code, US $4.30 a month for a toll-free number.
  • Couriers: each courier we book for your delivery orders — by itself where you have turned that on in the app, otherwise when you approve it — at Paloma's delivery price and your guest's tip for the courier (see “Couriers paid with a card” below). From October 14, 2026, couriers are paid with a card you attach in the app rather than from the balance. Nothing is charged to the balance for couriers before October 20, 2026. From that day, for a business whose guests pay through Stripe, couriers stay on the balance, and a courier whose card is declined is charged to the balance (see “When the card is declined or expires” below); either way each is charged to the balance at the amount a card would be charged. For now we do not book couriers for a business covered by “Installed from the Clover App Market” above: its ordering pages offer pickup only, no card is taken for couriers and nothing is charged for them to the balance. A delivery order it received before then gets no courier from us: deliver it yourselves, or offer pickup and refund what your guest paid for delivery; if you have set a phone number for order alerts, we text it. On the balance, a courier cancelled before pickup costs nothing, and neither does a delivery for which the delivery company still shows no courier a few minutes after booking (see “When the card is charged” below); anything taken for either is credited back.

  Social accounts and Paloma numbers are paid in advance, by calendar month (UTC):

  • When you connect. Connecting a social account or getting a number starts only if your balance covers its first payment: the rest of the current month, counting the day you connect — for example, US $3.50 for a social account connected on November 16 (15 of November's 30 days). If it does not, the app tells you how much is missing and nothing is connected. If the balance no longer covers an account by the time the platform finishes connecting it — for example, the Instagram account that comes with a Facebook Page — that account stays connected and waits, as described below. Connecting through our own app an account you connected through Zernio moves it there: what you already paid for that account this month counts, and it is never paid for twice.
  • On the 1st of each month. Every social account and number still connected is paid for the whole month. Three days before, if your balance will not cover it, we tell you in the app how much to add.
  • When the balance falls short. A social account whose month is not paid stays connected but does not post until you add funds; it is then paid for the rest of that month, and you never pay for the days it waited. Your Paloma number is paid first, then social accounts in the order they were connected. Your Paloma number keeps working even when the balance cannot pay for it: we pay for that month ourselves, you owe us nothing for it, and we tell you in the app.
  • Stopping. Disconnect a social account in the app at any time; it is not paid for again. An account that stops working because the platform or you withdrew our access is not paid for again until it works again. To stop paying for a Paloma number, release it in the app or ask the assistant to, and confirm it in the Inbox; it is not paid for again. Turn off call forwarding to the number first: once released, calls to the number are no longer answered, and the number may be given to someone else and cannot be taken back. A month already paid is not refunded when you disconnect, but until that month ends you may connect an account on the same platform — the same one or another — or get a number of the same kind without paying again. If a connected account stops working because of something on our side, write to support@palomaceo.ai and we credit the unused part of that month to your balance.
  • Social accounts and numbers already connected on October 20, 2026 are first paid on that day, for the rest of October.

  Texts and couriers are charged as they are used. Hosting your ordering pages and website, checkout, address suggestions, notifications to your team, emails Paloma sends to you and your team and storage are included and are not charged to your balance.

• Couriers paid with a card. From October 14, 2026 — or from the moment you attach a card, if that is sooner — couriers for your delivery orders are paid with a card you attach in the app. This applies where your guests pay through your point-of-sale system (Clover or Square), except for a business covered by “Installed from the Clover App Market” above, for which we do not book couriers for now (see “Couriers” above); for a business whose guests pay through Stripe, couriers stay on the balance as described above. If your business becomes covered by “Installed from the Clover App Market” after you attached a card, we detach the card from our Stripe account and do not charge it again, and a hold on it for a courier is let go.
  • What each delivery costs. Paloma's delivery price for the order and the tip your guest gave the courier. Paloma sets its delivery price for each delivery, to the guest's address, and the app shows it for each order; where you let guests pay the delivery price, your ordering page shows them this same price before they pay. If delivery costs more when the courier is booked than when the guest ordered, you pay the higher delivery price you approve in the Inbox or, where couriers are booked by themselves, a delivery price up to 20% or US $2 (whichever is more) over the one on the order; a dearer courier waits for your approval. Where couriers are booked by themselves, we may still book at once a courier that costs a few dollars more than that limit and pay the part over the limit ourselves, so the price we book it at costs you no more than the limit. If the delivery company changes its fee after a courier is booked, the delivery price changes with it, and the part we pay does not grow. While such a courier waits for your approval, we check its price again every few minutes for a while; if it comes back within the limit, we book the courier and close the request in the Inbox. The tip goes to the courier in full, and nothing is taken out of it. The app shows how couriers are charged before you turn them on, and lists every charge — the order, the delivery price, the tip and the card.
  • When the card is charged. When a courier is booked, the amount is authorized (held) on your card. It is charged once the courier picks up the order, or 24 hours after booking if we receive no status. A courier cancelled before pickup costs nothing: the hold is released. The same holds when, a few minutes after booking, the delivery company still shows no courier for the order: we release the hold and tell you in the Inbox and, if you set a mobile number for order alerts in the app, by text, so that you can deliver the order yourselves or agree pickup or a refund with your guest. A courier cancelled after pickup is charged, because the courier has already been sent.
  • When the card is declined or expires. The courier of an order your guest has already paid for still comes. The same amount is then charged to your balance instead; any part your balance does not cover is ours, and you owe us nothing for it. Delivery on your ordering pages is paused — they offer pickup only — until you attach a working card, and we tell you in the Inbox. A card past its expiry date counts as not working; we remind you 14 days before it expires.
  • Without a card. From October 14, 2026, your ordering pages offer pickup only until you attach a card.
  • Your card. You enter it only on a payment page hosted by Stripe, and it is kept by Stripe; we keep only its brand, last four digits and expiry. You can change it in the app at any time. To stop these charges, turn off courier delivery or remove the card in the app; your ordering pages then offer pickup only. A courier booked before that is still charged as described above. A card you replace or remove, and the card of a deleted business, is removed from our Stripe account and cannot be charged again.
• Welcome credit. Each Paloma account receives one promotional credit of US $25, once: it goes to the first business added by the person who holds that account, when that business’s balance is first opened; for a business that waits for activation (section 2), that is when it is activated — by your confirmations, by our team or by its install from the Clover App Market — and a business that is never activated receives none. A business added later by a person whose account has already received the credit starts at US $0, and funds can be added to it as described in “Adding funds” below; becoming a member of a business someone else added does not use your account’s credit. A credit a business has already received stays with it. A business whose balance was opened before this amount took effect on September 28, 2026 received US $20 and keeps it; the difference is not added. The credit has no cash value and cannot be refunded, sold or moved to another business. From October 20, 2026, it pays for the paid services as well as for AI.
• Adding funds. If you installed Paloma from the Clover App Market, funds can be added only through Clover's billing, charged on your Clover statement, and this is not available yet (see “Installed from the Clover App Market” above); a payment on a Stripe page that completes after your business came under that clause is not added to your balance, and we refund it. Otherwise you add funds in the app on a payment page hosted by Stripe. Amounts are in US dollars; where we are required to collect sales tax, it is added at checkout. We may also credit your balance ourselves, for example to correct an error — if you think a charge is wrong, write to support@palomaceo.ai.
• No refunds or transfers. Funds you add are non-refundable and cannot be exchanged for cash, except where the law requires it, and they cannot be moved to another business. If we end this agreement for a reason other than your breach of these terms or non-payment, we refund the unused part of the funds you paid for; the welcome credit is never paid out.
• When the business is deleted. The balance does not expire while your business exists. When your business is deleted (section 11), any remaining balance, including the welcome credit, is forfeited; if you reconnect or restore the business within the 30-day window, the balance stays.
• Low or empty balance. We tell you in the app when your balance runs low and when it reaches zero. The balance never goes below zero, and we never bill you later for what it did not cover: any cost beyond your balance is ours. At zero, features that use AI pause until you add funds. A call already in progress is finished normally. When a new call arrives and the balance is at zero or too low to start a call, the assistant does not take it: the caller hears the usual notice that the line uses an AI assistant, and is then transferred to your business's phone number set in the app, or, if none is set, is told where to order online. From October 20, 2026, also: your Paloma number and the texts to your guests keep working at zero; a social account whose month is paid keeps posting even at zero, while one whose month is not paid (see “Paid services” above) does not post — posts you approved for it wait and go out once you add funds, and a post still waiting after 7 days is not published and is marked failed in the app; while your Instagram account's month is not paid, reposting from Instagram prepares no new posts, and posts made meanwhile are not picked up later; your connected accounts stay connected; and, for a business whose couriers are paid from the balance, when the balance is less than a courier may cost, your ordering pages offer pickup only until you add funds, while a low balance never holds back the courier of a delivery a guest has already paid for. Couriers paid with a card do not depend on the balance. Your ordering pages, website and checkout keep working.

Taxes may apply. Fees already paid are not refundable except where the law requires it or these terms say otherwise.

4. Your responsibilities

You agree to: use the service lawfully; keep your hours, menu, prices and policies accurate in your point-of-sale system, or in Paloma if you keep your menu there, because the assistant repeats them to your callers; tell your staff that calls are answered and recorded by an AI assistant; comply with the call-recording and messaging consent rules that apply where you and your callers are (including all-party consent states and SMS opt-out rules); and review the actions the app asks you to approve.

You are responsible for what your business promises callers and for fulfilling the orders the assistant takes for you.

Rewards. If you turn on rewards (section 2), the program is your offer to your guests: you honour the points it gives under the program's terms for guests (section 2), including the 30 days to spend them after you turn it off, and you promise guests nothing it does not do — no points for purchases made before you turned it on, no spending at your register and no cash for points. Where a privacy law applies to your business — for example, California's Consumer Privacy Act, which requires a notice at or before collection and, in a store, allows it to be a sign — you give your guests the notices that law requires, including, at your register, that the phone number given and the card used at checkout earn your rewards. If a guest without an account on your ordering page asks you to delete their rewards or to know what they hold, ask Paloma in the chat: it shows that number's balance and record, and erases them once you approve the card; before you answer, make sure the number is the guest's own, and share the record only with them. You can also write to privacy@palomaceo.ai and we will do it with you.

Promo codes. If you start an offer (section 2), it is your offer to your guests: you honour it on the terms printed on your cards and shown on its page, and you promise guests nothing it does not do. Do not tie an offer to a review, a rating, a post or a follow, and do not offer it by sex, race, religion, national origin, disability, age or any other personal trait — an offer is open to every guest who meets its stated terms. Sales tax on your orders is yours to collect and pay; because the discount is your own and nobody reimburses it, your point of sale computes tax on the price after the discount, which is how most states treat a store's own discount — ask your tax adviser if your state differs. Laws on discounts for alcohol, tobacco and similar items are yours to follow; Paloma takes no offer on an order that includes an item sold only to adults. Where a privacy law applies to your business, you give the notices that law requires where you hand out the cards.

Gift cards. If you sell gift cards (section 2), they are your obligation to your guests: you honour each card's balance at your register and on your ordering page, with no expiry date and no fees; you pay out a balance in cash at your register where the law requires it — in California, a balance under $15, on request — since Paloma pays out nothing; you decide how sales tax applies — Paloma adds none to the sale of a card, and an order paid with a card is taxed like any other order; you account for unused balances as your liability and meet any unclaimed-property duties of your state; and you promise guests nothing the cards' terms do not say. Paloma gives you the records for this — the cards, their balances, dates and activity, in the app and in your data download.

Order tablet. If you connect a tablet or other device as your order screen, it needs no sign-in: anyone at it can see your orders of the last 12 hours and those placed for a later time, from 12 hours before that time until 12 hours after it — items, notes, the guest's first name, the total, where the order came from, and the courier's progress: the delivery company, the driver's name and vehicle as that company gives them, the expected times and how far the driver is — open a guest's phone number and address with “Show contacts”, accept orders and mark them ready, pause or call the courier, ask to cancel an order, send the cancellation of an Uber Eats, DoorDash or Grubhub order to that delivery app at once, with the reason picked on the screen (once the app takes it, it handles the guest’s refund and any charge to your business under its own terms, and you lose the sale; if it does not take it, the screen and you are told, and the order stays open in that app), and mark items sold out in your point of sale. Keep it where only your staff can reach it and use it only to handle your orders; if it is lost, stolen or leaves your business, disconnect it in the app at once. What is done on it is done by your business, and each look at a guest's contacts is recorded with the device. It rings only while it is on, awake and has its sound on; keep your other ways of hearing about orders — and the tablets of Uber Eats and other delivery apps — as well. While a tablet is connected, the courier of a paid delivery order is called by itself a few minutes after the order comes in (three unless you change it in the app) unless someone taps “Pause” — accepting the order does not stop it, and “Call the courier now” calls it at once. Use what the screen shows about a driver only to hand over and follow your orders.

Your website. The service can publish pages of your own website — an ordering page, an About page, hours, contacts, pages you write yourself and a page for each item on your menu — at an address we give you or, if you connect one, at your own domain. Everything on those pages is yours: the text you dictate, the pictures you upload, the claims you make about your business, and any offer or price you write. You confirm you own or are licensed to use every picture, logo, name and text you put on them, and that what they say is true and lawful where your business operates. A picture you give Paloma by its web address — for a menu item, a page or a post — counts as one you upload: Paloma copies that one file from the address you write in your message and never picks pictures off the internet by itself. Give it only the address of a picture that is yours or that you may use this way. Paloma does not copy a file whose own record names a photo agency, or anyone other than your business or you, as its author or rights holder; beyond that, it does not check where the picture came from. If you connect your own domain, you confirm you control it and you keep paying for it; when it lapses, the pages stop answering at that address.

Your site in Google Search Console. So that Google finds the pages we serve for you, Paloma verifies each site it serves — at your own domain or at the address we give you — in Google Search Console under Paloma's own Google account, by a tag in the code of the site's home page, and sends Google the address of the site's list of pages (its sitemap). Google receives only those public addresses. This makes Paloma's account a verified owner of that site in Google Search Console, and Google may email a notice of it to anyone who has already verified the same site. Paloma uses it only to send that list; to read, once a day, Google's figures of how the site appears in Google Search — how often it was shown and clicked, its average position, its pages and the searches it was shown for, as Google counts them — and whether Google has each page of that list in its index; to show them to you in the app and to its assistant; to tell you when a page leaves Google's index, Google cannot read a page, or clicks from Google fall by half in a week; and to suggest a new title or description for a page, which changes on your site only when you approve it. They are Google's counts, not visitors or customers, and Paloma does not promise any place in Google Search. On your own domain, and only when you ask for it and approve it on a card, Paloma makes the Google account address you name (up to three) a delegated owner of its Search Console property of that domain: Google receives that address, shows it to the property's other owners and may email them about the change. That account gets an owner's full control there under Google's terms — it sees the site's figures and may add and remove users and owners and change the property's settings — and what it and the people it adds do there is yours. Paloma takes off each address you named when you ask on a card, when the domain leaves your business or when your business is erased after a deletion request (until then, up to 45 days from the last time Paloma read its tag, it keeps them, so that it can be restored with its domain), and each other owner Google lists for the property after it was opened only when you ask on a card while the site's home page shows Paloma's tag (otherwise Paloma changes nothing at Google and stops keeping that address) — Google does not tell Paloma who added such an owner, so Paloma never takes one off unasked; a person who verified the domain at Google themselves stays an owner, as Google decides. Taking an address off on your request does not take off users that account added without owner rights, whom Google does not show Paloma. The domain has left your business when, while your business is active, its home page has not shown Paloma's tag for two weeks and still shows none; a page Paloma cannot read counts the same once four weeks have passed since Paloma last saw the tag, and a suspended business, or one being deleted, keeps its domain up to 45 days from the last time the tag was read. When the domain leaves your business or your business is erased, Paloma also gives up its own verification of it, and Google then ends the access of every remaining user and delegated owner after its own grace period, unless another verified owner remains, as Google decides; until then they may still see the property. Paloma never opens the property of the address we give you, which other businesses share, to any business, and never opens, verifies, tags or reads for any other business a property it once opened to one: if a domain you connect was opened through Paloma to another business, its Search Console figures are not available to you, and the property is not opened to you while Paloma verified or read it for another business within the last 16 months, as Google keeps a property's figures with it. Otherwise Paloma never removes your pages from Google, changes the owners of your site there or changes its settings. You may verify your domain in your own Google account at any time; ours does not stop you. When Paloma stops serving your site, the tag goes away with its pages and Google ends our verification after its own grace period.

We serve those pages and may remove any of them that breaks these terms or the law, after telling you.

Connecting a social account. When you connect your business's Facebook Page, Instagram account, Google Business Profile, TikTok account, YouTube channel, LinkedIn company page or Threads account — through our own app or through our publishing partner Zernio, which we use until our app for that platform is approved and, for an account you connected through Zernio, until you connect it through our app — you confirm that you are allowed to post on its behalf and you remain responsible for what you approve on the posting card or set to publish automatically. From October 20, 2026, each connected account is a paid service, paid a month in advance (section 3). Posting through Paloma is also subject to that platform's own terms — for YouTube, the YouTube Terms of Service. A post you send to TikTok as a draft goes to your TikTok inbox and is not published until you finish and publish it in the TikTok app: the sound, who can see it and the commercial content disclosure are chosen there, under TikTok's terms, and what you publish there is your own post. A video Paloma makes for you ends with a card with your business's name and ordering page, unless you ask for an atmosphere video without it; TikTok does not let apps add a name or a link to posts, so TikTok receives a video with that card without it, while your other channels receive it as the posting card shows it, and a video made without the card goes to every channel as it is. When you turn on reposting, you confirm that you hold the rights to publish the content of your Instagram posts on the other channels you choose, including music, photos and videos made by others and people shown in them.

Your Google Business Profile from Paloma. If you connect your Google Business Profile through our own app, the owner or a manager of your business can ask Paloma to show, for each connected location, what in the profile differs from what Paloma knows about your business, and the owner can ask Paloma to bring it in line. Paloma does it only after the owner approves the card for it, and changes the profile again only after a new card — except the hours, and the menu and photos of dishes, the owner lets Paloma keep in step on that card (“Keeping your hours in step” and “Your menu and photos of dishes on Google”, below). For each connected location it sets the opening hours Paloma has for that location, if it has any, and the same hours as the location’s pickup hours and, for a location that delivers, its delivery hours, where Google offers them for your kind of business, leaving the other kinds of hours on your profile as they are; the “Order online”, “Order pickup” and, for a location that delivers, “Order delivery” links and the menu link, all to your own ordering page, and, for a location that takes table bookings through Paloma, the “Reserve” link to its own booking page, all marked so that your page’s statistics show which visits came from Google and through which link; and the website link, when the profile has none or already shows your Paloma page. A website or menu link already on your profile that is not your Paloma page stays unless the owner tells Paloma to replace it, and links that a delivery app, a booking service or you put on the profile stay beside ours. For a business with several locations, Paloma sets a location’s hours only when its address matches one of your locations, and otherwise leaves them as they are. Paloma does not change a part that Google itself has changed or is reviewing — you settle that in your Google account — and does not change the profile’s name, address, phone number, main category or reviews, or remove anything from it — the description and additional categories change only as described in “Your Google description and categories”, and the menu and photos of dishes only as described in “Your menu and photos of dishes on Google”, below. After each update Paloma tells you in the app what it changed on each profile. What Paloma sets comes from you: check that your hours are right in your point of sale or in Paloma before you approve and, while Paloma keeps them in step, whenever you change them there. Google’s guidelines for business profiles apply to your profile; Google decides what Search and Maps show and when, can change or refuse what Paloma sets or ask you to review it in your Google account, and Paloma promises no placement or result on Google. What Paloma set stays on your profile until you or Google change it there, or Paloma changes hours or a menu it keeps in step.

Keeping your hours in step. If the card the owner approves says that Paloma will keep the hours of the locations it names in step with Paloma, then once a day from that approval until it is stopped, Paloma compares the hours of each of those locations in Paloma — from your point of sale or from Paloma — with the opening, pickup and delivery hours Paloma last set on Google for it; when yours have changed, it sets the new hours on Google in the same way as above, only for the kinds of hours it set there, and tells you in the app what it changed. Apart from a menu and photos of dishes (below), that is all it changes by itself: links, the website and everything else on the profile change only with a new card, and a location the card did not name is not included. While Google is reviewing a change to those hours, Paloma waits and looks again the next day. Paloma never changes back what someone else changed: if hours on Google are no longer the ones Paloma last set — because you, your team or Google changed them — Paloma leaves them as they are, tells you in the app, and does not change those hours on Google again until the owner approves a new card. When a location no longer has hours of a kind to give — it has no full week of hours in Paloma, stops taking orders online or stops delivering, or Google no longer offers that kind of hours for your kind of business — Paloma leaves that kind of hours on Google as it is and stops keeping it in step. Delivery hours stay as long as the location offers delivery through Paloma, even on a day when a courier cannot be sent; the ordering page tells guests that day. The owner can stop this at any time by telling the assistant, for example “stop syncing my Google profile”; disconnecting your Google Business Profile, or removing Paloma’s access in your Google account, stops it too, and connecting again, or connecting a location the card did not name, does not turn it on without a new card. Stopping changes nothing already on your profile.

Your menu and photos of dishes on Google. Where Google lets a connected location show a menu, the card may also name, for that location, its menu and photos of its dishes; before approving, the owner can tell the assistant to leave either out. Paloma does not offer them to a business with 20 or more locations in Paloma. If the owner approves a card that names them, then within minutes of that approval, and after that once a day until it is stopped, Paloma does the following for each location the card named them for, and tells you in the app each time it sends a menu or adds photos. The menu: Paloma puts on Google the menu of the location’s ordering page — every item the location’s ordering page offers at a set price, including one sold out for the day, in the page’s sections, with the item’s name, its price and the description your point of sale or you in Paloma gave it — in place of the whole menu Google showed for the location, because Google takes a menu only whole; the card says how many items that menu had. Paloma leaves out alcohol and other items sold only to people of a certain age — including any item whose name or section reads as alcohol — and items sold by weight or at a price set at the register, and never sends allergens, diets, spiciness, calories or ingredients. When the menu in Paloma changes, Paloma sends the whole menu again, so an item the location no longer sells online leaves the menu on Google. Photos of dishes: Paloma adds to the location’s profile real photos of the items such a menu holds — also when the owner left the menu out — photos you or your team gave Paloma or keep in your point of sale — at most 10 a day, and links each one to its item; Google fetches each photo from your Paloma pages. It never sends a picture drawn by AI, a picture whose file records that it was made by AI, or a photo Paloma took from Open Food Facts, and it sends each photo only once: a photo Google did not confirm receiving counts as sent, and one Google turned down may be tried again on a later day. Paloma never removes a photo from Google — not when you change or remove it in Paloma, stop this or disconnect Google; you can remove it in your Google account. Paloma never changes back a menu someone else changed: if the menu on Google is no longer the one Paloma last put there — because you, your team or Google changed it — Paloma leaves it as it is, tells you, and does not send that location’s menu again until the owner approves a new card. When Paloma stops keeping a menu for another reason — the location stops taking orders online or has nothing left to send, Google stops offering a menu there, or your business reaches 20 locations — it tells you too. A menu Paloma has stopped keeping, or sent before you stopped this, stays on Google as it is until you change or remove it there. By approving such a card, you confirm that the names, descriptions and prices of your items are right, and that each photo shows your own food or drink, was taken by you or for your business, is yours to put on Google, has no text, border or watermark laid over it, and shows no one who has not agreed to be shown. Google can take time to show a change, so for a while the menu on Google may show an earlier item or price; what guests pay is what your ordering page and your point of sale charge. If your restaurant is part of a chain of 20 or more locations doing business under the same name, do not approve a menu on Google (“Nutrition and allergens”, below). Telling the assistant to stop (“Keeping your hours in step”, above) stops the menu and photos of dishes too; nothing already on your profile changes.

Your Google description and categories. If you connect your Google Business Profile through our own app, the owner can ask the assistant to write a new description for a connected location’s profile, or to add categories to it. The assistant writes the description with AI from what Paloma knows about your business — its profile, its menu or services, and what you tell it — and offers categories only from Google’s own list, at most three at a time. Each edit is its own card, and only the owner of the business, signed in as themselves, can approve it: a manager or Paloma’s team cannot, and Paloma never changes the description or categories by itself or on a schedule. When the owner approves, Paloma reads the profile again and writes nothing if that description or those categories changed since the card was made or Google has its own change to them; otherwise it puts the description on the card in place of the one there, or adds the categories on the card to those already there. It never changes your main category or removes a category. A description Paloma writes has no links, phone numbers, prices, offers, ratings, reviews or awards. It is written by AI and Google shows it as your business’s own words: read it before you approve, and approve it only if every word is true of your business. Writing it is part of the assistant’s answer and is charged only as that answer (section 3). Google’s guidelines for business profiles apply; Google decides whether and when to show the edit, may review or refuse it, and Paloma promises no placement or result. What Paloma set stays until you or Google change it.

Posts Paloma drafts from your menu. This is off until the owner of the business turns it on with the card in the app that names what Paloma will draft, how often, for which connected accounts and what it costs; only the owner can turn it on, change it or stop it. Once it is on, Paloma drafts a post when something new appears on your menu or gets a photo, or comes back after at least a day sold out, and each week a card with the next week's “Our menu” posts. It uses only what your point of sale says about your items — their names, categories and descriptions — your real photos (never a picture drawn by AI) and, to choose which items to show first, how many of each sold in the last 30 days. Drafted posts name no prices, discounts or promotions — except promotion and price posts, if you turn them on (below) — and Paloma does not draft posts about alcohol, tobacco, vapes, CBD or similar products. Nothing is published until you approve it, unless you let a kind of post go out by itself (below): a week card's Approve schedules every post left on it, and you can leave any post out before you approve and cancel any scheduled post before it goes out. A drafted post may quote your item's description as your point of sale gives it: approve it only if what it says — for example, “organic”, “gluten-free” or “homemade” — is true of what you sell. Writing each post is charged as a note at the price in section 3, or covered by Paloma's credit for a business billed through the Clover App Market. You can stop it at any time, in words to the assistant or with Stop all on the Posts screen: drafting stops at once, waiting drafts are withdrawn and drafted posts not yet published are cancelled.

Promotions from your point of sale. If the owner turns it on — with the card in the app that names it; only the owner can — Paloma also keeps a copy of the discounts in your point-of-sale system and drafts a post about a discount your register applies by itself to every guest (at Square, an automatic discount), with its exact terms: what it takes off, the items it is on, its hours, its first day if it has not started and its last day, and that it is given in store. Paloma does not announce a discount your cashier picks, one only for some guests or above a minimum order, one it cannot state exactly — for example, one that needs several items, has a cap or leaves some items out — a discount on alcohol, or a discount on everything if you sell alcohol. A discount with weekly hours, such as a happy hour, comes as one card for a series: once you approve it, a reminder with the words you approved goes to the accounts you chose shortly before its windows, on the same day; the series ends by itself when the discount leaves your register, ends or changes its hours, and waits for a new card when what it takes off or its items change. Your point-of-sale system does not hold every promotion — Clover, for example, keeps no happy hours — so you can describe one to the assistant, and Paloma prepares the same series card from your words; it runs until the last day shown on the card. Just before each post goes out, Paloma checks that the discount is still in your register as approved, or that the series is still on, and otherwise the post does not go out. A promotion you announce is your own offer: give it in store to every guest, on the items and at the hours the post names, for as long as the post says it runs — or stop the post or the series in the app before you change or end the discount. With promotion posts on, Paloma also drafts a post when your register lowers an item’s price by 5% or more: it gives the new price, and the old one only if it held for at least 28 days before the drop; the post goes out only while your register still has the new price and within 30 days of the drop, and always waits for your Approve. Promotion posts and series are never published without your approval, and you can stop them at any time, in words to the assistant or on the Posts screen. A promotion post Paloma fills in from your register's terms is not charged; a post the assistant writes from your words is part of the conversation.

Posts that go out by themselves. From October 20, 2026, the owner can let one kind of these posts — “New on the menu” (new items, new photos, items back in stock or back for the season) or the “Our menu” week — go out without approving each one. Each kind has its own card, offered only after the owner has approved at least one post of that kind by hand, and only the owner can turn it on. Such a post appears on the Posts screen with its exact words and pictures, the owner gets a notification that it is planned, and it goes out no sooner than two hours after that notification — after the morning, when it is planned at night — so that you can cancel it there. If we cannot notify the owner, for example because these notifications are off, the post waits for your Approve. No more go out by themselves in a day than the card says. A post whose words need your confirmation — such as “homemade” or a diet label — and every post about a price, a promotion or a happy hour always waits for your Approve. A post that goes out by itself is your post, as if you had approved it on its card. You can stop this for either kind at any time, in words to the assistant or with Stop on the Posts screen, and its posts not yet published are cancelled at once.

Pictures made by AI. A picture Paloma draws for an item without a photo carries a small “AI” mark. So does a picture Paloma draws for an option guests choose for an item, such as a topping, a sauce or a milk: it shows next to that option on every item that offers it, and everything below about an item’s picture applies to it. Paloma draws it from the item’s name and description and from what you tell it about how the item should look, including pictures you attach as a sample — of the item itself, or of the style you want for the items you name — and, when you ask for the style of a picture already on another of your items, that picture: a photo you added yourself or a drawing Paloma made, never a photo taken from Open Food Facts. It is still a drawing, not a photo of what you sell, and it reaches your pages only when you approve it on its card, in the chat or in the Inbox: approve it only if it shows the item as you sell it — its size, what is in it and what comes with it. When you attach a picture as a sample, or ask for the style of your own item’s picture, you confirm that it is yours or that you may use it this way, that every logo, brand name, label and package in it is your own or belongs to a genuine product you sell as it is shown, and that anyone shown in it has agreed; Paloma relies on that and does not check where it came from. If a stock-photo watermark lies over it, or you say it is someone else’s, Paloma does not send it and asks for your own picture or the licensed file. Paloma sends it, with your words, to the image provider that draws the picture (see the Privacy Policy), and asks that provider to keep the logos, brand name, lettering, labels, cup, wrapper, packaging and design exactly as in the sample, but never to copy a watermark, stamp or photo credit laid over the photo and never to draw a person’s face. Without a sample, a drawing shows no text, logos, brand names, packaging, labels or people. Words and marks taken from a sample appear in the drawing as statements about your item: approve it only if they are true of what you sell. Only the item and what it is served in or on are drawn, not other food, drinks or things that stand beside it in the sample. A picture of the item itself shows what the item looks like, and the drawing follows its light, angle, setting and background too; a picture of the style you want sets how the items you name are lit, framed and set, and an item of the same kind as the food or goods in it is drawn made the same way — its shape, its bread, bun, crust or wrapping, how it is closed, cut and served — differing only where its name, description or your words say so, while an item of another kind takes only the light and setting. Approve such a picture only if your item really is made that way. A picture you choose yourself as an item’s photo carries the same “AI” mark when its file records that it was made by AI — for example, a picture Paloma drew for your site. A picture Paloma draws from your words for a banner or a page of your site shows no mark on the page; only its file records that it was made by AI, and the copies Paloma makes of it to post it, or to show it in the preview under a link to your pages, keep that record. If you ask Paloma to hide the “AI” mark, or put a drawn picture on a banner or a page, you are responsible for making sure the picture does not mislead your guests about what they will receive. The “AI” mark on a video made by AI cannot be removed. When a post carries a picture made by AI, or a video that holds such a picture or a scene made by AI, Paloma marks the post as AI-generated where the platform offers it — on TikTok and Instagram, and for a video on YouTube; elsewhere the picture keeps the record in its file, which the platform may read to label it itself. Such a post goes to TikTok only with TikTok’s AI label: never as a draft, and a picture made by AI never through Zernio, which cannot add that label to a photo. A picture made by AI never goes to your Google Business Profile, directly or through Zernio: Google’s rules ask for photos taken with a camera there, so the posting card leaves Google out of such a post and says why. You may also use a picture or a video Paloma makes for you outside Paloma, for example in a paid ad; that use is your own, and Paloma does not label it for you there: keep the “AI” mark visible (do not crop or cover it), turn on the AI-generated content disclosure where the ad platform asks for one — TikTok requires it for ads with content made by AI — and do not present a scene made by AI as your own place, food, products or staff.

Accessibility. We build the ordering pages and website pages we serve for you to the Web Content Accessibility Guidelines (WCAG) 2.1, Level AA, as our accessibility statement describes, and we fix the barriers in our own code that we learn about. What you add — item names, descriptions, photos, the text and pictures of your pages, your colours and any styling you ask for — is yours to keep accessible: give each picture a description and keep text readable against its background. When a guest reports a barrier in what you added, we pass the report to you.

Your guests' email addresses. Your ordering pages ask a guest who pays online for an email address for the receipt, pass it to your payment provider with the payment page for that order (at Square, on the order as the contact of the person picking it up), and offer every guest a box, never ticked in advance, to get your offers and news by email; the page of the guest's order offers the same choice and lets the guest stop the offers there. The addresses and the guests' choices are your list: we keep it for you in your own database and use it for nothing else. Your pages tell guests that their address is used for offers and news only if they tick the box, so send offers and news only to guests who did, stop within 10 business days for anyone who unsubscribes, and delete the address of a guest who asks you to. Paloma emails your guests for you only as section 2 describes in “Emails to your guests”.

Your menu, your goods and what you promise. What your pages, your calls and your posts say about your food and goods comes from you: your point-of-sale system, your words and what you approve. You are responsible for:

• Nutrition and allergens. If your restaurant is part of a chain of 20 or more locations doing business under the same name, federal menu-labeling rules require calories and certain statements on every menu, including online menus. Paloma's ordering pages do not show calories, so do not use them as the online menu of such a chain unless we confirm in writing that they meet that rule. Paloma never writes ingredients, allergens or calories you did not give it.
• Food safety and the law of what you sell. Preparing, storing, labeling, packaging and handing over your food and goods as food-safety, health and labeling law requires, holding the permits and licences your business needs, and selling only what the law of each place you sell to allows.
• Age-restricted goods. For alcohol, tobacco and other age-restricted goods: holding the licences they need, checking age and identity at pickup and at delivery, and offering them online and for delivery only where your licence and your state's law allow. Paloma does not verify anyone's age. When your point-of-sale system marks an item as age-restricted (Clover) or alcoholic (Square), your ordering pages show its age, sell it for pickup only and never book a courier for it; in a menu kept in Paloma, you mark such an item by telling the assistant, and it is shown and sold the same way — Paloma may ask you about an item that looks age-restricted, but marks only what you tell it to; items you do not mark are sold like any other on your ordering pages. Menus Paloma publishes for you to Uber Eats and other delivery apps leave out marked items, items you marked as not for couriers and items whose name or category reads as alcohol, tobacco or another restricted good, and Paloma tells you which.
• Items couriers do not carry. Courier services do not carry some goods — for example alcohol, tobacco and vapes, medicines, vitamins and supplements, raw meat or seafood, gift cards and items over 50 lb. You can tell Paloma in the chat which of your items they are; your ordering pages then sell an order that has any of them for pickup only, and Paloma never books a courier for it. Paloma may point out items whose point-of-sale category suggests it, but marks only what you tell it; items you do not mark are sold like any other.
• Prices and fees. Prices, fees and any card surcharge shown to your guests must meet the law of your state and your payment provider's rules.
• Reviews. Paloma never writes a review, rating or testimonial in anyone's name, and you may not ask it to or publish one that is not genuine. If you connect your Google Business Profile, Paloma shows you your locations' Google reviews and their figures and tells you about new ones. It does not report or remove reviews. Replies: Paloma drafts a reply to a Google review when you ask in the chat or — once the owner turns this on with the card in the app that names its price — for each new review by itself. A reply is published on Google in your business's name only when an owner of your business approves the card that shows the review and the exact words, which you can change first; only an owner sees and approves these cards — not managers or other staff — and Paloma's team never approves one for you. A reply you approve is your business's own public statement: you are responsible for it as for anything else you publish, and Google's policies apply to it. An AI draft can be wrong or miss what happened, so check every word before you approve. Do not approve a reply that reveals anything about the reviewer's order or visit beyond what the review itself says, shares anyone's personal details, offers anything for changing or removing a review, calls the review fake, threatens the reviewer, or admits fault for an injury, illness or other legal matter — for such a review, speak to your insurer or a lawyer first. For a healthcare practice, Paloma drafts and publishes no replies. Asking for reviews: once the owner turns it on with the card in the app that shows its exact words, the page of each order placed with you through Paloma shows, after the order is ready or delivered, a link to write a review of your business on Google; the card also shows where the link leads, and you confirm it is your own location. Every such guest sees the same words, whatever they ordered, paid or said, and nothing is offered for a review. Paloma does not text or notify your guests to ask for a review, and it emails them for one only with “Thanks and a Google review”, if the owner turns that email on (section 2): the same email to every guest it goes to, with the same link. You may not use Paloma, or what it shows you, to offer guests anything for a review, to ask only satisfied guests for one, to send unhappy guests somewhere other than Google, or to threaten or pressure a reviewer.
• Your privacy notice. Your own privacy notice to your customers, where the law requires one.

5. AI disclosure and limits

When the assistant answers a call, it first states that it is an AI and that the call is recorded. A call's recording is kept only once that statement has played to its end: if it did not — for example, because our voice service failed at that moment — the recording is deleted within two hours of the start of the call and the call's card shows none. It reads every order back to the caller and takes an explicit confirmation before placing it. It can still make mistakes: it may mishear an item, misjudge a question, or hand a call to a person when it should not. You remain responsible for fulfilment, pricing and for anything you decide based on its answers. Actions that write to your point of sale, move money or contact people follow the approval rules you set in the app.

Who runs a call. The assistant listens, answers and speaks on a call through an AI voice model — xAI's or OpenAI's, in the order we set to keep calls answered, which can change at any time — or through our speech recognition, language model and speech synthesis providers, for a business whose calls we run that way and, while we keep it as a fallback, when neither voice model can take a call. Which one runs a call can change from call to call, with the voice chosen for your business, the language and the providers' availability; when none of them can take a call, it goes as the next paragraph describes, without AI; the price of a call minute in section 3 is the same whichever runs it. Each of them is a sub-processor named in the Privacy Policy (section 7), receives only what the Privacy Policy says it receives, and does not use your calls to train its models under its terms with us. The rest of this section applies whichever provider runs the call.

Calls passed to your phone. When the assistant passes a call to your business's phone number set in the app — because the caller asks for a person, it cannot help, the call reaches its time limit or our voice service fails — the recording stops first and no AI listens to the rest of the call. If a caller asks not to be recorded, the assistant stops the recording at once and carries on with the call; nothing said after that is kept in the recording or the transcript, and the call's card shows when they asked. Your phone shows the caller's own number, or your Paloma number when the caller has hidden theirs. Whoever answers may first hear a short automated line that the caller does not hear: that it is a Paloma call for your business, the caller's first name when the phone network vouches for their number and you know it, and up to ten words on why they asked for a person. If nobody answers within about 20 seconds, the line is busy or it cannot be reached, the caller is told where to order or to call back later, or, where your calls are recorded, may leave a message of up to two minutes after being told it will be recorded; the message is added to the end of the call's recording, or kept as the recording when there is none, for the same period. Either way the call shows in your Inbox as needing you.

Calls the assistant does not take. Only calls the assistant takes are recorded. When it cannot take a call — your balance or your account's limits do not cover it (section 3), one of the call limits below is reached, or our voice service or its provider is unavailable — the call is not recorded and no AI listens to it. The caller is transferred to your business's phone number set in the app; if none is set, or that phone forwards back to your Paloma line, the caller is told where to order online or to call back later, and the call ends — or, where your calls are recorded and the cause is our voice service or too many calls at once, the caller is asked to leave a message of up to two minutes after being told it will be recorded; only that message is kept, as the call's recording, for the same period. What the caller hears first is that the line uses an AI assistant, or an automated message naming your business, or, on a direct transfer, just your phone ringing. Such calls show in your Inbox as needing you; for a number over its hourly limit, only its first call over the limit does. This fallback runs through our phone carrier, so it cannot help when the carrier itself is down.

Call limits. So that a stuck line or an automatic dialer cannot use up your balance or our lines, a call is brought to a close at 20 minutes: a minute before, the assistant starts wrapping up, and at 20 minutes it transfers the caller to your phone or says goodbye. A number that has already called your business 6 times within the last hour, and a call that rings while 5 of your calls are already with the assistant or while our lines are full, is not taken by the assistant and goes as described above. Stricter limits are announced as section 16 describes.

Daily limits against abuse. So that no one can use a business on Paloma against our storage or against other people's phones, each business can upload up to 32 MB a day of pictures and files while it waits for activation, and no videos, and up to 2 GB a day once it is active; the app tells you when the day's uploads are used up, and you can upload again the next day (days are counted in UTC). When a caller's number is hidden, a payment link goes to a number the caller says aloud no more than twice a day — counted across all businesses on Paloma — and your business sends no more than 10 such links a day; beyond that, the assistant places the order to be paid at pickup or offers to pass the caller to your team. These limits apply to every business and protect the service; they are not a charge.

AI videos a day. Google, whose model makes atmosphere videos, lets Paloma make only so many requests a day for all businesses together, and each atmosphere video is one request. So that one business cannot use up everyone's day, each business has a daily share of those requests: 8 videos for every business today, each one request to Google. The day is Google's: it starts at midnight Pacific time (3 AM Eastern). Every video Paloma asks Google for your business counts toward your share, including a video that could not be made, which is never charged. A video you ask for when your share, or the day for all businesses, is used up is not started: the app tells you which of the two limits it is and that no video can be made until the day starts again, and nothing is held or charged. What is left of the day for all businesses depends on Google and on other businesses' videos, so on some days fewer videos than your share can be made. We announce a smaller share as section 16 describes. This share is not a charge: every video is still paid at the price in section 3.

6. Payments and card data

Payments for orders are completed on payment pages hosted by your payment provider — Clover Hosted Checkout for Clover merchants, Square's online checkout for Square merchants, or Stripe Checkout on the Stripe account you connect. A guest who pays at pickup — because your business chose it, or keeps its menu in Paloma without its own Stripe account — pays you directly, the way you take payments at your counter. We never receive, store or transmit card numbers, and the assistant never accepts a card number by voice. A gift card your business issued (section 2) is not a payment card: when a guest pays with one on your ordering page, its code passes through Paloma to Square only to find the card and is not stored; for the daily limit on gift card purchases, Paloma reads Square's reference to the card that paid for a gift card only in memory and keeps only a one-way keyed code of it. For rewards (section 2), Paloma reads, for a payment at your register, a reference to the card — Square's card fingerprint, or Clover's card type with the first six and last four digits of its number — only in memory, and keeps only a one-way keyed code of it. Your payment provider's terms govern the payment itself, including chargebacks and refunds. The card you attach to pay Paloma for couriers (section 3) is likewise entered only on a page hosted by Stripe and kept by Stripe; we keep only its brand, last four digits and expiry.

7. Your data

Your business data stays yours. You grant us the licence needed to process it to provide the service. We do not sell it, do not share it with other merchants, and do not use it — including anything obtained through the Clover APIs — to train, fine-tune or evaluate models. Retention, deletion and export follow the Privacy Policy. You can export your data and delete your business from the app at any time.

How we process personal information for you. For the personal information of your customers, callers, guests and staff that we process to provide the service, you are the business (controller) and we are your service provider (processor). These commitments are our data processing terms under the California Consumer Privacy Act and the comparable laws of other states:

• we process it only to provide the service described in these terms and in the Privacy Policy, on your instructions, and for no other purpose, except that, from the moment the note at the top of these terms sets for your business, we also use your calls to build and improve the quality of the service as the Privacy Policy describes (how we review calls), never to perform services for anyone else with them;
• we do not sell or share it, as those laws define these words; we do not retain, use or disclose it outside our direct business relationship with you; and we do not combine it with personal information from other sources, except as those laws allow, such as to prevent fraud and abuse across the service;
• everyone at Paloma who can reach it is bound to keep it confidential;
• we use only the sub-processors listed in the Privacy Policy, and we publish a new one there before it starts handling your data, so you can object or stop using the service; where a sub-processor handles it under that sub-processor's own published terms rather than terms it agreed with us — today First Delivery, for couriers we book through it — the Privacy Policy says what those terms promise, and you can ask us not to book your couriers through it;
• we help you answer requests from the people the data is about, and give you the information you reasonably need to show that you meet your obligations; the data export in the app is part of this;
• we tell you about a security incident affecting it as the Privacy Policy describes, and no later than 10 days after we determine it happened;
• when your business is deleted, we delete the data as the Privacy Policy describes, except records the law requires us to keep;
• we tell you if we can no longer meet these obligations, and you may then take reasonable steps to stop and remedy any unauthorised use.

We understand these restrictions and comply with them.

Rewards. The keyed codes of your guests' cards (section 6) are made with a key that belongs to your business alone, so the same card gives unrelated codes at another merchant; we never combine them, your guests' balances or their purchases with another merchant's, and we use the card codes only to earn your rewards — not for analytics, marketing or the assistant's answers.

Gift cards. Paloma never stores a gift card's code — it reads it from Square when the card's page is opened — and never shows it to your team in Paloma, to the assistant or to our staff; only its last four characters. The keyed codes of the cards that paid for gift cards, and of the buyers' devices, are made with your business's own key and used only for the daily limit. A card is looked up only within your business, never at another merchant.

8. Availability and support

We aim to keep the service running continuously and announce planned maintenance in advance. Support is provided in the app — ask the assistant for help; what it cannot fix, it passes to our team, and our reply appears in your Inbox — and by email at support@palomaceo.ai, during United States business hours. Service credits apply only where a separate written agreement provides them. If you ask our support team about a courier for one of your delivery orders, our team may, at your request, call that courier off before it picks up the order, book a courier for the order again, or switch the order to another courier service available at that location; the app tells you in the Inbox what was done and why. Such a courier is booked and charged like one you book yourself, with the same limits and the same approvals in the app, and a courier called off before pickup costs you nothing (section 3). At your request, our team may also set which one of the courier services available to your business books the couriers for your new delivery orders, or set it back to Paloma's own choice; the app tells you in the Inbox what was set and why. Orders already placed keep their courier, and where that service cannot take a delivery, your guests cannot place that order for delivery.

9. Acceptable use

Do not use the service to break the law, to place calls or messages you have no right to send, to impersonate someone, to work around your payment provider's rules, to probe or overload our systems, or to resell the service without our written agreement.

Health information. Do not use the service to create, receive, keep or send protected health information as the HIPAA rules define it — for example, to answer the calls of a doctor’s, podiatrist’s, dentist’s or therapist’s office, or to handle a pharmacy’s prescriptions — unless we have signed a business associate agreement with you for it. Where we have, that agreement governs that information and prevails over these terms for it. Until such an agreement exists, Paloma does not answer the calls of a business it takes for a healthcare practice — by the main category of its Google Business Profile, by what its owner or a manager tells the assistant, or by our team’s review. Such a business is offered no Paloma number, call forwarding, voice assistant or WhatsApp connection; a Paloma number it already has only says that it is an AI assistant and passes each call to the business’s transfer phone or, without one, asks the caller to call back later, and records nothing — no recording, transcript or call card. That number stays the business’s, and is charged as before, until the business releases it. Only our team takes the mark off, once the business shows it is not a healthcare practice — ask through Get help in the app. Keeping protected health information out of the service remains your responsibility.

10. Intellectual property

We keep all rights in the service, the software and the assistant. You keep all rights in your data and your content. If you send us feedback — including a rating of the assistant's answer and what you write with it — we may use it to improve the service without owing you anything for it; the Privacy Policy says what a rating keeps and who sees it.

Copyright complaints. If you believe that material on a page Paloma hosts for a merchant infringes your copyright, send a notice that meets 17 U.S.C. §512(c)(3) to our designated agent: Copyright Agent, PalomaFinTech LLC, 2590 Hollywood Blvd, Hollywood, FL 33020, United States, legal@palomaceo.ai. We remove or disable the material, tell the merchant, and put it back only after a counter-notice that meets §512(g). We end the service for merchants who infringe repeatedly.

11. Term, suspension and termination

Either party may end this agreement at any time. Revoking the connection, uninstalling the app in the Clover App Market once Clover confirms the uninstall to us, or leaving a Clover connection whose access Clover stopped renewing unreconnected for 30 days after we first email your owners to reconnect it (and in any case for 60 days, or for 30 days if we cannot reach any owner by email), ends our access to that point-of-sale account at our next daily check after that period; when it is your last point-of-sale connection, your data is then deleted after 30 days, and reconnecting inside that window keeps it. Disconnecting PalomaPOS, or PalomaPOS ending our access, never starts that deletion: its locations close in Paloma and your data stays until you delete your business, and while PalomaPOS is connected, it counts as a point-of-sale connection here. Neither does that deletion start while your business keeps its menu in Paloma. We may suspend the service for non-payment, for a breach of section 9, or where a provider requires it, and will tell you why. When your balance reaches zero, the features that use AI pause and, from October 20, 2026, delivery on your ordering pages may be limited to pickup; also from that day, a social account whose month your balance did not pay does not post (section 3). From October 14, 2026, delivery is also limited to pickup while no working card for couriers is attached (section 3). None of this is a suspension, and the rest of the service — including your Paloma number and the texts to your guests — keeps working. Any balance left when your business is deleted is forfeited (section 3).

12. Disclaimers

The service is provided “as is” and “as available”. To the fullest extent permitted by law, we disclaim every warranty these terms do not state — express, implied or statutory — including warranties of merchantability, fitness for a particular purpose, title and non-infringement, and any that arise from a course of dealing or usage of trade. We do not warrant that the service, or any provider it relies on, will be uninterrupted, timely or error-free, that the assistant's answers will be accurate in every case, or that any result — calls answered, orders, sales, the reach of a post or a review — will follow from using it. This takes back nothing that these terms or the Privacy Policy promise in so many words.

AI can be wrong. The assistant on your calls and in the app, and the translations, pictures, videos, drafted posts, summaries and suggestions Paloma makes, come from AI models. They can be wrong, incomplete or out of date, even after a read-back: the assistant may mishear an item, a name, a number or an address, misunderstand an order or a question, give a wrong price, total, hour or answer, or hand a call to a person when it should not; a translation may change what a dish is; a picture may not look like what you sell. Check what matters before you approve it, keep your point-of-sale system, menu and policies accurate, and watch the orders the service takes for you: what you rely on is your decision. A total the assistant says before the caller agrees is an estimate from your point-of-sale system's tax rules, or is said “plus tax”; the amount on the payment page is what your guest pays. For a menu kept in Paloma, it is the total at the sales tax rate you gave Paloma (section 2), and that is what your guest pays. What Paloma tells you about your business — figures, reports, opportunities and suggestions — comes from your data and from what the platforms you connect report — such as the views, taps and search terms of your Google Business Profile, which are Google's counts — and is not accounting, tax, legal or financial advice. We do not warrant that what AI makes for you is unique or free of other people's rights; what you give Paloma to work from is covered by section 4.

The business scanner. The business scanner — on palomaceo.ai, and in the app when you or the assistant run it — is an automatic check of public information at the moment of the scan: a business's listing as Google's Places service returns it, where the business appears in Google Maps searches our servers run (a person's own phone may show a different order), the public pages of its own website, and how that website loads on a phone. No AI model makes the report; the checks, their weights and the score are our own measures. The report can be incomplete, out of date or wrong — for example, when a website blocks automated reading, a page does not open, or Google returns less than it shows on its own pages — and a check we could not run is shown as not checked, not as a failure. It is not an audit or advice, it does not predict sales, rankings or any other result, and acting on it guarantees none; like the rest of the service, it is given without warranty. Running a scan, or holding a report about a business, gives no one any right over that business, its Google listing, its website or its place in Paloma: a business is added and managed in Paloma only as sections 2 and 4 describe. If you sign up from a report you ran, within 48 hours, the business you add takes that scan as its first one, and while the business is with us Paloma checks the same place again about once a week; this still gives no right over the business scanned, and nothing from Google is copied into yours. Use the scanner for your own business and for businesses you are comparing it with — not automatically or in bulk, and do not publish a report about another business as a statement about it. A business, or someone acting for it, can ask us to correct or remove a report about it at privacy@palomaceo.ai; we do so within five business days.

Allergies and food safety are yours. Paloma's part is to pass a guest's allergy, dietary request or other instruction to your point-of-sale system with the order, as it received it — as the assistant heard it on a call, as typed on your ordering page, or as a marketplace sent it with its order. Paloma does not know your recipes, suppliers or kitchen, does not judge whether a dish is safe for a guest, and answers questions about ingredients and allergens only from what you gave it. Reading every ticket and its notes, deciding whether and how you can prepare an order safely or must decline it, and telling your guests what your kitchen cannot promise are yours.

Deliveries. Couriers for your delivery orders come from independent delivery companies, which Paloma books for you as section 3 describes — directly, or through a delivery dispatch service such as OrderOut or Cartwheel, under Paloma's own agreements with them; the Privacy Policy says what each of them receives. Where a delivery may go to DoorDash through Cartwheel, DoorDash's terms require that your ordering page pre-select a courier tip of at least 15% of the food, so there it does, and it also lets your guest type their own tip; your guest can still choose another tip or, unless you ask for a tip on every delivery, no tip. Paloma never owns or takes title to what you sell: it passes from you directly to your guest. Paloma is not a delivery company or a carrier, and a courier is not our employee or agent: we do not control when a courier arrives, how they handle an order, or whether it arrives on time and intact. If a delivery company has found no driver for an order for some minutes, an owner or manager can have Paloma call that courier off and book the next delivery company; the courier called off costs nothing, the next one is booked and paid for like any courier in section 3, your guest is not texted about the switch and gets the new courier's updates as usual, and if no other delivery company can take the order, your guest gets the text that its courier delivery was cancelled. A late, damaged, lost or undelivered order is between you, your guest and the delivery company; we pass on what we know about the delivery to help settle it, and what you pay for couriers follows section 3.

Payments. Paloma is not a payment processor, money transmitter or bank. Your guests pay on your payment provider's page and their money goes from that provider to you, never through us; refunds and chargebacks are between you, your guest and your payment provider (section 6). A refund made through Paloma is made by your payment provider, and only when you approve it.

Platforms, marketplaces and your point of sale. Your point-of-sale provider, your payment provider, marketplaces such as Uber Eats, DoorDash and Grubhub, delivery companies, OrderOut, and the social and search platforms you connect run their own services under their own terms. We do not control them and are not responsible for what they do or decide — their fees, availability and rules, their approvals and suspensions, removing a post or an account, changing their service or their API, or ending our access. When one of them changes or withdraws something Paloma relies on, the matching feature may change or stop, and we tell you in the app.

Our providers. Calls, texts, AI, hosting and email run on providers named in the Privacy Policy, such as phone carriers, voice and AI model providers and our hosting provider. None of them is promised to be available at all times: when one fails, a call may go without AI as section 5 describes, a text or a post may be late or not go out, and a feature may pause until the provider is back.

Events beyond our control. Neither party is liable for a delay or failure caused by events beyond its reasonable control — such as an outage of a provider, a phone carrier, a point-of-sale system or the internet, a power failure, a natural disaster, an epidemic, an act of government, a labour dispute, or an attack on our systems that reasonable security would not have stopped. This does not excuse paying what you owe us.

Your sales are yours. You sell to your guests: Paloma is not the seller or a party to the sale and gives your guests no warranty.

13. Limitation of liability

Damages neither party pays. To the fullest extent the law allows, neither party is liable to the other — in contract, in tort (including negligence), under a statute or otherwise — for indirect, incidental, special, consequential, exemplary or punitive damages, for lost profits, revenue, sales or goodwill, or for lost or corrupted data, even if told they were possible. Sales lost because a call, an order, a text, a post or a delivery was missed, late or mistaken are among them.

Our total liability. To the fullest extent the law allows, our total liability for all claims together that arise out of or relate to these terms or the service is limited to the greater of (a) what you paid us for the service in the 12 months before the event that gave rise to the liability, not counting what you paid for couriers and the tips for them, and (b) US $100.

What these limits do not cover. They do not limit (a) what you owe us; (b) your obligations under section 14 and under “Uber Eats connected directly” in section 2; (c) your liability for breaking section 9 or for infringing our rights in the service; (d) a refund that section 3 promises you; or (e) liability that the law does not allow to be limited or excluded, such as for fraud or intentional misconduct.

These limits are part of what the service costs: they share the risk between us as the parties agreed, and they apply even if a remedy fails of its essential purpose.

14. Indemnity

You will defend PalomaFinTech LLC and its members, managers, employees and agents (“we” in this section), indemnify us and hold us harmless against any claim, demand, investigation or proceeding by a third party — such as a guest, a member of your staff, a government authority, or a provider we work with for your business — and against the damages, fines, penalties, settlements, costs and reasonable attorneys' fees that result, to the extent it arises from:

• Your food and goods: your menu, recipes, ingredients, allergens, nutrition and calorie information, the descriptions and pictures you give or approve, and how your business prepares, stores, labels, packages, hands over and delivers what it sells, including whether your staff followed an allergy note or an instruction on the ticket;
• Age-restricted and regulated goods: selling alcohol, tobacco and other age-restricted or regulated goods, your licences and permits, and checking age and identity;
• Prices, taxes and money: the prices, taxes, fees, surcharges and discounts set in your point-of-sale system or by you, the promotions you announce, the refunds you decide and chargebacks;
• Your guests, staff and partners: your dealings with your guests and staff and with marketplaces, delivery companies, payment providers and your point-of-sale provider, including what your business tells or promises them, orders, deliveries, tips and refunds;
• Your content and posts: the text, pictures, samples, logos and other content you give us, your website, and the posts you approve or let go out by themselves, including claims of infringement, false advertising, an endorsement or a privacy right;
• Calls, texts and notices: the recording and messaging consent required where you and your callers are, the numbers you give us — such as your alert number and the number calls are transferred to — your notices to your staff and guests, and your own privacy notice;
• Your breach: your breach of these terms or of the law, your breach of the terms of Clover, Square, Stripe, Uber, DoorDash, Grubhub, OrderOut, a social platform or another service you connect, and anything you confirm to us that is not true — for example, that you may connect a store or an account or post for it;
• What a provider claims from us because of you: a claim that a provider we work with for your business — such as Uber, DoorDash, OrderOut, Clover, Square, Stripe, Twilio or a social platform — makes against us under our agreement with it, including a demand that we indemnify it, to the extent it arises from anything in the items above.

This does not cover a claim to the extent it is caused by our breach of these terms or by our gross negligence or wilful misconduct.

How it works. We tell you about the claim promptly in writing; a delay relieves you only as far as it harms your defence. You control the defence and any settlement, with counsel reasonably acceptable to us, but you may not settle in a way that admits fault for us or requires us to do or pay anything without our written consent. We cooperate at your expense and may take part with counsel of our own, paying for it ourselves. If you do not take up the defence promptly, we may defend the claim ourselves and you pay the reasonable cost.

15. Governing law and disputes

These terms are governed by the laws of the State of Florida and the federal law of the United States, without regard to conflict-of-laws rules.

Notice first. Before starting a proceeding, a party with a claim sends the other a written notice — to us at legal@palomaceo.ai and our address in section 18, to you at the email of your business's owner in the app — saying what the claim is, the facts it rests on and what it asks for. The parties then try in good faith to resolve it for 30 days. Either party may still ask a court at once for an urgent order to protect its rights, its data or the service.

Where. A dispute that remains is resolved only in the state courts in Broward County, Florida, or the United States District Court for the Southern District of Florida, and both parties consent to their jurisdiction and venue.

One business at a time. To the extent the law allows, each party brings claims against the other only in its own name, not as a plaintiff or class member in a class, collective, consolidated or representative proceeding, and a claim of one business is not joined with another's without both parties' consent.

WAIVER OF JURY TRIAL. EACH PARTY KNOWINGLY AND VOLUNTARILY WAIVES ANY RIGHT TO A TRIAL BY JURY IN ANY PROCEEDING ARISING OUT OF OR RELATING TO THESE TERMS OR THE SERVICE.

General. If a court holds any part of these terms unenforceable, that part is enforced as far as the law allows and the rest stays in force. Not enforcing a term is not a waiver of it. You may not assign these terms without our written consent; we may assign them to a company under common control with us or to whoever takes over our business, and we tell you. These terms, the Privacy Policy and any agreement both parties sign in writing — such as a business associate agreement — are the whole agreement about the service; terms in your purchase orders or other documents do not apply. Sections 7, 10 and 12 to 15, and what section 3 says about amounts owed and the balance of a deleted business, survive the end of this agreement.

Language. These terms and the Privacy Policy are written in English, and their English text is the agreement. The app — its screens, consents, prices and notices — and the pages and messages Paloma shows you may be in Spanish, Russian or Ukrainian. We write each translation to say what the English text says; if a translation and the English text differ, the English text governs.

16. Changes to these terms

We may update these terms. We post the new version here with the date each change applies; unless it names a later date, it applies at once to a business that joins Paloma after it is posted. For a business already using Paloma, a change that reduces your rights or adds to what you pay, owe or must do is announced in the app at least 14 days before it applies to your business; a change that does neither — for example, a new feature, a lower price or a clearer wording — or that the law or a provider's requirement makes urgent may apply when we post it, and we tell you in the app. If you do not agree to a change, stop using the service and delete your business in the app before the change applies to you; continuing to use the service after that means you accept it. A change to sections 13 to 15 does not apply to a dispute about events that happened before the change applied to your business.

17. Trademarks and independence

Clover is a registered trademark of Clover Network, LLC; Square is a trademark of Block, Inc.; Stripe is a trademark of Stripe, Inc.; Uber Eats is a trademark of Uber Technologies, Inc.; DoorDash and Grubhub are trademarks of their owners; Google, Google Business Profile, Google Maps and Google Search are trademarks of Google LLC. We are an independent developer and are not affiliated with, endorsed by, or sponsored by any of them. PalomaPOS is a point-of-sale system that we, PalomaFinTech LLC, also offer.

18. Contact

PalomaFinTech LLC, 2590 Hollywood Blvd, Hollywood, FL 33020, United States — legal@palomaceo.ai.

Earlier wording of sections 12 to 16

For a business added before October 8, 2026, until October 22, 2026, sections 12 to 16 read as follows instead of the wording above, and the item “Food safety and the law of what you sell” in section 4 does not apply to it. From October 22, 2026, this wording applies to no business.

12. Disclaimers. The service is provided “as is” and “as available”. To the fullest extent permitted by law, we disclaim implied warranties of merchantability, fitness for a particular purpose and non-infringement. We do not warrant that the assistant will be uninterrupted, error-free, or that its answers will be accurate in every case.

13. Limitation of liability. To the fullest extent permitted by law, neither party is liable for indirect, incidental, special or consequential damages, or for lost profits or lost data. Our total liability for any claim is limited to the amounts you paid for the service in the twelve months before the claim arose.

14. Indemnity. You will defend and indemnify us against third-party claims arising from your use of the service in breach of these terms, from what your business tells or promises your callers, or from your failure to follow call-recording or messaging consent rules.

15. Governing law and disputes. These terms are governed by the laws of the State of Florida, without regard to its conflict-of-laws rules. The parties will try in good faith to resolve any dispute informally within 30 days of written notice. Any dispute that remains will be resolved in the state or federal courts located in Florida, and both parties consent to their jurisdiction.

16. Changes to these terms. We may update these terms and will post the new version here with a new effective date. Material changes are announced in the app at least 14 days before they take effect; continuing to use the service after that means you accept them.