Terms

Terms of Service

Effective October 8, 2026

These Terms of Service (the "Terms") are a binding agreement between you and Agentically.com, Inc. ("the Company," "we," "us"), the company that makes Overcoat. They cover the Overcoat app for Mac and its phone app, the website at overcoat.app, Overcoat accounts, and Overcoat Premium (together, the "Service"). By downloading, installing or using the Service, or creating an account, you agree to these Terms and to our Privacy Policy. If you don't agree, don't use the Service.

Please read section 13 (Disputes and arbitration) carefully. It requires disputes to be resolved by individual binding arbitration, not in court or in a class action, unless you opt out within 30 days.

1. Who can use Overcoat

You must be at least 18 years old and able to form a binding contract. If you use the Service for an organization, you confirm you're authorized to accept these Terms for it, and "you" includes it. You may use the Service only with accounts (Google, your AI providers, Apple and others) that you own or are authorized to use.

2. How Overcoat works, and what you're responsible for

• Overcoat runs on your own Mac. Your mail, calendars, chats and files are stored there, in a database encrypted with a key kept on that Mac. We don't receive them and can't recover them.
• You're responsible for your Mac, its security, its power and network, and for keeping your own backups. We aren't responsible for data loss, including loss caused by the Service, your Mac, an update, or a deleted or corrupted database.
• You're responsible for your third-party accounts and for what you choose to connect, send, save or share, including your choice of cloud AI provider, anything you send to it with your own key, and the charges it bills you for it.
• Overcoat never sends email for you. It prepares drafts and calendar events, which are saved only when you tap to save them. You decide whether to send them, and you're solely responsible for what you send.
• You must not use the Service to break any law, infringe anyone's rights, access accounts or data you aren't authorized to access, send spam, or attack, overload, probe or reverse-engineer our servers or account service. We may suspend or end your access if you do.

3. AI output is not advice

Overcoat uses AI models (a model on your Mac and, if you connect one, a cloud model from the provider you choose, such as Anthropic's Claude, OpenAI's ChatGPT models or Google's Gemini) to summarize, answer, draft and suggest. AI output can be incomplete, out of date or wrong, including about your own mail, dates, amounts, people and commitments. It is provided for convenience only. Check anything important yourself before you rely on it. Nothing the Service produces is legal, medical, financial, tax, investment or other professional advice, and you should consult a qualified professional for those. You are solely responsible for decisions and actions you take based on the Service, including missed or mistaken reminders, notifications, deadlines, appointments, travel and payments.

4. Third-party services

The Service works with services we don't control, including Google (Gmail and Calendar), the cloud AI providers you connect (such as Anthropic, OpenAI and Google), Apple (macOS), Ollama and the open models it runs, Tailscale, Stripe, Netlify, Neon and Resend. Which providers the Service supports may change; we may add or remove one at any time, including when its terms, pricing or quality change. Your use of them is governed by their own terms and policies. We aren't responsible for them, for their availability or changes, or for any loss caused by them.

5. Your account

Your Overcoat account is an email address you sign in to with emailed links. Keep access to that email secure: anyone who can read it can sign in to your account. Tell us promptly at support@overcoat.app if you think your account has been misused. You can delete your account by writing to us; cancel Premium first.

6. Overcoat Premium, billing and the free trial

• Price. Premium costs $4.99 a month or $49 a year, plus any applicable taxes, unless a different price or promotion is shown when you subscribe.
• Automatic renewal. Premium is a subscription that renews automatically at the end of each billing period, and you authorize us (through our payment processor, Stripe) to charge your payment method at the then-current price until you cancel. You can cancel anytime from your account page at overcoat.app; Premium then stays on until the end of the period you've paid for, and you won't be charged again.
• Free trial. New accounts may get one 14-day free trial (30 days when invited by a friend). A trial can start without a payment method; if you add one, your subscription starts and you're charged when the trial ends unless you cancel before then. If you don't add one, you return to the free plan when the trial ends. One trial per person.
• Price changes. We may change Premium's price. We'll tell you by email at least 30 days before a change applies to you, and it takes effect at your next renewal; cancel before then if you don't want to pay the new price.
• Failed payments. If a payment fails, Stripe may retry it. We may suspend or end Premium if we can't collect payment.
• Refunds. Payments are non-refundable except as described in our Refund Policy or where the law requires otherwise.
• Changes to Premium. We may add, change or remove Premium features. If we remove a feature that was a substantial reason you subscribed, you can cancel and ask for a prorated refund of the unused part of your current period.
• Inviting friends. Your account has an invite link. When someone signs up for a new Overcoat account through it, links a Mac that has never been linked to an Overcoat account, and becomes a Premium customer (a paid subscription, or a trial with a card on file), and that Mac is still running Overcoat at least three days after linking, you earn one free month of Premium. There's no limit on how many you can earn. If you have a paid subscription (or a trial with a card on file), the month is a credit equal to one month's price on your Stripe balance, applied to your next invoices; otherwise it's 30 days of Premium added after any Premium you already have. The friend gets a 30-day free trial instead of 14 days. Each person and each Mac can be counted once. Credits and free months have no cash value, can't be transferred, and end if your account is deleted. We may withhold or reverse rewards earned by abuse (for example, accounts or installs created to collect rewards, or links promoted through spam), and we may change or end the program for future invites with notice on this page; rewards already earned stay yours.

7. Our intellectual property, and your license

The Service, including its software, design and content, belongs to the Company and its licensors and is protected by law. Subject to these Terms, we grant you a personal, revocable, non-exclusive, non-transferable license to install and use the Overcoat app on Macs you own or control, for your own personal or internal business use. You may not copy, modify, distribute, sell, rent, sublicense or reverse-engineer the Service, except where the law expressly permits it despite this limit. Open-source components are licensed under their own licenses. If you send us feedback, we may use it freely without obligation to you.

8. Your content

Your mail, calendars, chats, files and anything else the app keeps on your Mac remain yours. We claim no rights in them, and we don't receive them.

9. Updates, availability and changes

We may update, change, suspend or discontinue any part of the Service at any time, with or without notice. The app checks overcoat.app for updates and your plan. We don't guarantee that the Service will be available, uninterrupted, timely, secure or error-free, or that it will work with every Mac, macOS version, Google account or third-party service.

10. Disclaimer of warranties

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE," WITH ALL FAULTS AND WITHOUT WARRANTIES OF ANY KIND. TO THE FULLEST EXTENT PERMITTED BY LAW, THE COMPANY DISCLAIMS ALL WARRANTIES, EXPRESS, IMPLIED OR STATUTORY, INCLUDING WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, NON-INFRINGEMENT, ACCURACY, QUIET ENJOYMENT, AND ANY WARRANTIES ARISING FROM COURSE OF DEALING OR USAGE OF TRADE. WE DON'T WARRANT THAT THE SERVICE OR ANY OUTPUT WILL BE ACCURATE, COMPLETE, RELIABLE OR SECURE, OR THAT DEFECTS WILL BE CORRECTED. SOME JURISDICTIONS DON'T ALLOW THE EXCLUSION OF IMPLIED WARRANTIES, SO SOME OF THESE EXCLUSIONS MAY NOT APPLY TO YOU.

11. Limitation of liability

TO THE FULLEST EXTENT PERMITTED BY LAW: (A) THE COMPANY AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AGENTS, SUPPLIERS AND LICENSORS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY OR PUNITIVE DAMAGES, OR FOR ANY LOSS OF PROFITS, REVENUE, DATA, GOODWILL, OPPORTUNITY OR USE, OR THE COST OF SUBSTITUTE SERVICES, ARISING FROM OR RELATED TO THE SERVICE OR THESE TERMS, HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY (CONTRACT, TORT INCLUDING NEGLIGENCE, STRICT LIABILITY OR OTHERWISE), EVEN IF ADVISED OF THEIR POSSIBILITY; AND (B) OUR TOTAL LIABILITY FOR ALL CLAIMS ARISING FROM OR RELATED TO THE SERVICE OR THESE TERMS WILL NOT EXCEED THE GREATER OF THE AMOUNT YOU PAID US FOR THE SERVICE IN THE 12 MONTHS BEFORE THE EVENT GIVING RISE TO THE CLAIM, OR US $50. THESE LIMITS APPLY EVEN IF A REMEDY FAILS OF ITS ESSENTIAL PURPOSE. SOME JURISDICTIONS DON'T ALLOW THESE LIMITS, SO THEY MAY NOT FULLY APPLY TO YOU; NOTHING IN THESE TERMS LIMITS LIABILITY THAT CANNOT BE LIMITED UNDER APPLICABLE LAW.

12. Indemnity

To the extent permitted by law, you'll defend, indemnify and hold harmless the Company and its affiliates, officers, directors, employees and agents from any claims, losses, damages, liabilities, costs and expenses (including reasonable attorneys' fees) arising from your use of the Service, content you send or save with it, your violation of these Terms or any law, or your violation of anyone else's rights.

13. Disputes and arbitration

• Try us first. Before filing a claim, you agree to email support@overcoat.app with a description of the dispute and try to resolve it informally for 60 days.
• Binding individual arbitration. Any dispute, claim or controversy between you and the Company arising from or relating to the Service or these Terms will be resolved by final, binding arbitration administered by the American Arbitration Association under its Consumer Arbitration Rules, before a single arbitrator. The arbitrator decides all questions of arbitrability, except that a court decides the validity of the class action waiver below. Judgment on the award may be entered in any court with jurisdiction. The Federal Arbitration Act governs this section.
• Exceptions. Either of us may bring an individual claim in small claims court, and either of us may seek injunctive relief in court for infringement or misuse of intellectual property.
• No class actions. YOU AND THE COMPANY EACH WAIVE THE RIGHT TO A JURY TRIAL AND TO PARTICIPATE IN A CLASS, COLLECTIVE OR REPRESENTATIVE ACTION OR ARBITRATION. Claims may be brought only individually. If this waiver is found unenforceable for a claim, that claim (and only that claim) will be decided in court, not in arbitration.
• Opting out. You may opt out of this arbitration agreement by emailing support@overcoat.app within 30 days of first accepting these Terms, with your name and the email address of your account and a statement that you opt out of arbitration.
• Time limit. To the extent permitted by law, any claim must be brought within one year after it arises, or it is permanently barred.

14. Governing law and venue

These Terms are governed by the laws of the State of Delaware and applicable federal law, without regard to conflict-of-law rules. For any dispute not subject to arbitration, you and the Company consent to the exclusive jurisdiction of the state and federal courts located in Delaware. If you're a consumer in a place whose law gives you rights that can't be waived by contract, those rights aren't affected.

15. Ending these Terms

You can stop using the Service at any time by deleting the app and asking us to delete your account. We may suspend or end your access to any part of the Service at any time, including if you breach these Terms or we stop offering it. Sections that by their nature should survive termination (including 3, 7, and 10 through 16) survive it.

16. General

• Changes to these Terms. We may change these Terms. We'll post the new version here with a new effective date and, for material changes, tell you by email or in the app before they take effect. Continuing to use the Service after that means you accept them.
• Entire agreement. These Terms, the Privacy Policy and the Refund Policy are the entire agreement between you and the Company about the Service.
• Severability and waiver. If any part of these Terms is unenforceable, the rest remains in effect, and the unenforceable part is enforced to the maximum extent permitted. Our not enforcing a provision isn't a waiver of it.
• Assignment. You may not transfer these Terms without our written consent. We may assign them, including in a merger, acquisition or sale of assets.
• Force majeure. We aren't liable for delays or failures caused by events beyond our reasonable control.
• Notices. We may send you notices by email to your account address or in the app; you agree to receive them electronically.
• Export. You'll comply with U.S. export and sanctions laws in using the Service.
• California users. Under California Civil Code §1789.3, you may report complaints to the Complaint Assistance Unit of the Division of Consumer Services of the California Department of Consumer Affairs, 1625 North Market Blvd., Suite N-112, Sacramento, CA 95834, or by phone at (800) 952-5210.

17. Contact

Agentically.com, Inc. · support@overcoat.app