Terms of Service

Effective Date: March 31, 2026 · Last Updated: March 31, 2026

1. Acceptance of Terms

By creating an account, uploading any data (including laboratory reports, blood work results, health records, or biometric data), or otherwise accessing the Service at ottolab.com or the Otto mobile application, you ("User," "you") acknowledge that you have read, understood, and agree to be bound by these Terms of Service ("Terms") and our Privacy Policy.

You confirm that you are at least 18 years of age and have the legal capacity to enter into this agreement.

2. Description of Service

Otto ("Service") is a general wellness and informational software tool operated by Kevin Ho ("Operator," "we," "us," "our") that:

• Parses laboratory reports (PDF or CSV) to extract biomarker values;
• Computes estimated biological age and metabolic health indicators (such as HOMA-IR and TyG Index) using published, peer-reviewed algorithms;
• Generates informational summaries, visualizations, and a personalized biomarker profile ("Biomap") from your uploaded data;
• Provides AI-generated educational content about health and wellness topics;
• Facilitates optional community features including health stacks, journey posts, verified delta comparisons, and public profiles.

3. NOT MEDICAL ADVICE

The Service is intended for general wellness and informational purposes only. Otto does not and cannot:

• Diagnose, treat, cure, prevent, or mitigate any disease or medical condition;
• Detect, screen for, or identify any disease, including but not limited to diabetes, prediabetes, insulin resistance, metabolic syndrome, cardiovascular disease, or any other condition;
• Replace professional medical advice, diagnosis, or treatment;
• Provide clinical recommendations, prescriptions, or treatment plans;
• Serve as a substitute for consultation with a licensed, qualified healthcare professional.

Terms used in the Service such as "metabolic health score," "insulin sensitive," "impaired," "resistant," "biological age," "improved," "worsened," and similar language are informational labels based on published research thresholds and do not constitute medical diagnoses or clinical assessments. These terms are used for educational purposes to help you understand your data in the context of published scientific literature.

ALWAYS CONSULT A QUALIFIED HEALTHCARE PROVIDER before making any health-related decisions, changing your diet or exercise regimen, starting or stopping any medication, supplement, or treatment, or taking any action based on information provided by the Service.

4. Assumption of Risk and Waiver

BY USING THE SERVICE, YOU EXPRESSLY ACKNOWLEDGE, AGREE, AND ACCEPT THAT:

• You use the Service entirely at your own risk and of your own free will;
• You are solely and exclusively responsible for any decisions you make based on information provided by the Service;
• The Service may produce inaccurate, incomplete, outdated, or misleading results due to limitations in PDF parsing, algorithm accuracy, data quality, or AI-generated content;
• AI-generated content (including chat responses, daily insights, summaries, and suggestions) may contain factual errors, hallucinations, or inaccuracies and should never be treated as medical fact;
• Biomarker extraction from uploaded documents may misread, misinterpret, omit, or incorrectly convert values;
• Computed metrics (biological age, HOMA-IR, TyG Index, metabolic scores) are mathematical estimates, not clinical measurements;
• Community-shared content (delta cards, health stacks, journey posts) represents individual user experiences and is not medical evidence;
• You will not rely on the Service as a substitute for professional medical judgment under any circumstances.

5. User-Uploaded Data and Consent

5.1 Your Data, Your Responsibility

You represent and warrant that any data you upload to the Service is your own personal health data, or data you are legally authorized to upload, process, and share with third-party systems.

5.2 Express Consent to Data Processing

By clicking "Upload," "Browse," "Analyze My Labs," or any similar action that initiates data processing, you provide express, informed, and voluntary consent to the following:

• The automated extraction, parsing, and computational analysis of all biomarker values and health data contained in your uploaded documents;
• The computation of derived metrics including but not limited to biological age (PhenoAge, KDM), metabolic health scores (HOMA-IR, TyG Index), and biomarker trend analyses;
• The generation of a personalized biomarker profile ("Biomap") from your extracted data;
• The secure storage of your extracted data on our servers and those of our infrastructure providers;
• The transmission of your data to third-party AI systems (including but not limited to Google Gemini, Anthropic Claude, and OpenAI GPT) for the purpose of generating personalized insights and AI responses;
• The use of your data to compute and display your results within your private dashboard;
• If you opt in to community features: the public display of information you choose to share (including but not limited to biomarker deltas, health stacks, and profile information).

5.3 Right to Delete

You may delete your account and all associated data at any time through the Settings page. Deletion is permanent and irreversible. See our Privacy Policy for details on data retention and deletion.

5.4 Community Features

If you choose to participate in community features, you acknowledge that any information you share (including biomarker data, health stacks, delta results, and personal captions) will be visible to other users. You are solely responsible for what you share publicly. The Operator is not responsible for how other users may interpret or act upon your shared information.

6. Third-Party Services

The Service integrates with third-party providers including but not limited to:

• AI Model Providers: Google (Gemini), Anthropic (Claude), OpenAI (GPT) for AI-generated insights;
• Authentication: Google OAuth for sign-in;
• Apple HealthKit: For voluntary health data synchronization from your device;
• External Links: The Service may link to third-party products and services (such as lab testing providers). We are not responsible for any third-party products, services, or content.

Your use of these third-party services is subject to their respective terms of service and privacy policies.

7. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW:

THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, INCLUDING BUT NOT LIMITED TO IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, ACCURACY, COMPLETENESS, RELIABILITY, AND NON-INFRINGEMENT.

IN NO EVENT SHALL THE OPERATOR, OR ANY OF ITS AFFILIATES, AGENTS, CONTRACTORS, OR SERVICE PROVIDERS BE LIABLE FOR:

• ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES OF ANY KIND;
• ANY LOSS OF PROFITS, DATA, USE, GOODWILL, HEALTH, OR OTHER INTANGIBLE LOSSES;
• ANY PERSONAL INJURY, BODILY HARM, HEALTH DETERIORATION, OR ADVERSE HEALTH OUTCOME ARISING FROM OR RELATED TO YOUR USE OF OR RELIANCE ON THE SERVICE;
• ANY INACCURACY IN BIOMARKER EXTRACTION, BIOLOGICAL AGE COMPUTATION, METABOLIC SCORE CALCULATION, OR AI-GENERATED CONTENT;
• ANY DAMAGES RESULTING FROM YOUR ACCESS TO OR USE OF (OR INABILITY TO ACCESS OR USE) THE SERVICE;
• ANY AMOUNT IN EXCESS OF THE GREATER OF (A) THE AMOUNT YOU PAID TO THE OPERATOR IN THE TWELVE (12) MONTHS PRECEDING THE CLAIM, OR (B) ONE HUNDRED U.S. DOLLARS ($100).

SOME JURISDICTIONS DO NOT ALLOW THE EXCLUSION OF CERTAIN WARRANTIES OR LIMITATION OF LIABILITY. IN SUCH JURISDICTIONS, THE ABOVE LIMITATIONS SHALL APPLY TO THE FULLEST EXTENT PERMITTED BY LAW.

8. Indemnification

You agree to indemnify, defend, and hold harmless the Operator, and any of its affiliates, agents, contractors, and service providers, from and against any and all claims, damages, losses, liabilities, costs, and expenses (including reasonable attorneys' fees) arising out of or related to:

• Your use of or reliance on the Service;
• Your violation of these Terms;
• Any health-related decisions or actions you take based on information provided by the Service;
• Any content you share through the Service's community features;
• Your violation of any applicable law, regulation, or rights of any third party.

9. Dispute Resolution and Arbitration

PLEASE READ THIS SECTION CAREFULLY — IT AFFECTS YOUR LEGAL RIGHTS.

Any dispute, claim, or controversy arising out of or relating to these Terms or the Service ("Dispute") shall be resolved through binding individual arbitration administered by the American Arbitration Association (AAA) under its Consumer Arbitration Rules, rather than in court.

CLASS ACTION WAIVER: You agree that any Dispute will be resolved only on an individual basis and not in a class, consolidated, or representative action. You waive any right to participate in a class action lawsuit or class-wide arbitration against the Operator.

The arbitration shall take place in Santa Clara County, California. The arbitrator's decision shall be final, binding, and enforceable in any court of competent jurisdiction.

10. Governing Law

These Terms shall be governed by and construed in accordance with the laws of the State of California, without regard to its conflict of laws principles.

11. Account Termination

We reserve the right to suspend or terminate your account at any time, for any reason, with or without notice. You may delete your account at any time. Upon termination, your right to use the Service ceases immediately.

12. Changes to Terms

We may modify these Terms at any time by posting updated Terms on the Service with a new effective date. Material changes will be communicated via email or in-app notification. Your continued use of the Service after such changes constitutes acceptance of the modified Terms.

13. Severability

If any provision of these Terms is found to be unenforceable or invalid by a court of competent jurisdiction, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

14. Entire Agreement

These Terms, together with the Privacy Policy, constitute the entire agreement between you and the Operator regarding the Service and supersede all prior or contemporaneous agreements, representations, or understandings.

15. Contact

For questions about these Terms, contact: legal@ottolab.com