Legal

Terms of Use

Last updated October 7, 2026

Agreement

These terms govern your use of the Cofactor apps for iPhone and Mac, and the website at cofactor.cc. By installing or using Cofactor, you agree to them. If you use Cofactor for an organization, you confirm you can accept these terms for it.

If you download Cofactor from the Apple App Store, Apple's standard license agreement also applies: Apple's Standard End User License Agreement. If these terms and Apple's agreement conflict on the app license, Apple's agreement controls for that point.

Your account

• You can use the core app without an account. Some features, such as encrypted sync and Team, need one.
• Give accurate information, keep your sign-in details private, and tell us if you think your account was used without your permission.
• You must be at least 13 years old, or the minimum age in your country if it is higher.

Your content

You own what you dictate and write. Cofactor processes it on your device, and we do not claim any rights to it. You give us only the limited permission needed to store and sync the encrypted backup you choose to turn on. You are responsible for what you create and for using it lawfully, including getting consent where the law requires it before you record other people.

Acceptable use

Do not use Cofactor to break the law, infringe other people's rights, harass anyone, or interfere with the service. Do not try to break, reverse engineer or overload our servers, access accounts that are not yours, or resell the service without our written permission.

Plans, trials and billing

• Core dictation is free. Pro and Team are paid, and prices are shown on our pricing section and in the App Store.
• Subscriptions renew automatically at the end of each period until you cancel. If a free trial is offered, it converts to a paid subscription at the end of the trial unless you cancel first.
• Subscriptions bought in the App Store are billed by Apple. Manage or cancel them in your Apple account settings. Refunds for App Store purchases are handled by Apple under its policies.
• Team subscriptions bought on our website are billed by Stripe. Team owners can cancel from the account, and access continues to the end of the paid period.
• If a paid plan ends, you keep your recordings, notes and history. You lose only the paid features.
• We may change prices with notice. A change applies from your next renewal.

Availability and changes

We work to keep Cofactor reliable, but we do not promise uninterrupted service. Speech recognition runs on your device, so accuracy depends on your device, your language and your audio. We may add, change or remove features, and we will give notice for changes that materially affect a paid plan.

Ending your use

You can stop using Cofactor and delete your account at any time from the app. We may suspend or end an account that breaks these terms or puts the service or other people at risk. We will tell you why where we can.

Disclaimer

Cofactor is provided "as is" and "as available," without warranties of any kind, to the extent the law allows. Dictation can contain mistakes. Check important text, such as medical, legal or financial messages, before you rely on it or send it.

Limit of liability

To the extent the law allows, we are not liable for indirect, incidental or consequential damages, or for lost data, profits or business. Our total liability for any claim relating to Cofactor is limited to the greater of the amount you paid us in the 12 months before the claim or 50 US dollars. Nothing in these terms limits rights you have under law that cannot be waived.

Changes to these terms

We may update these terms. We will change the date at the top, and for significant changes we will notify account holders. Using Cofactor after an update means you accept it.

Contact

Questions about these terms? Email support@outliyr.com. See also our Privacy Policy.