Terms of Service

1. Who provides the service

InsightDown is operated, and the Pro subscription is sold, by Luděk Kremser, a sole trader (fyzická osoba podnikající) in the Czech Republic, company ID (IČO) 67719228, registered for VAT, business address Čajkovského 1481/11, 746 01 Opava, Czech Republic. Contact e-mail: support@insightdown.com.

In these terms, "we" and "us" mean the operator. We offer the service to consumers and to businesses; where the rules differ, we say so.

2. Acceptance of these terms

By creating an account or using InsightDown, you agree to these terms. If you do not agree, do not use the service.

These terms are available in Czech and in English, and both versions say the same thing.

3. What InsightDown is

InsightDown is a Markdown notes app. The desktop app for macOS, Windows and Linux is the full product. The web app at insightdown.com is a companion for access from anywhere and for collaboration: it offers the editor, attachments, sharing and comments, and the account page with your subscription and invoices. Mobile apps are in preparation.

AI features are available only in the desktop app; the web app has no AI. What each plan and platform includes is listed on the pricing page at /pricing.

4. Your notes and where they are stored

Your notes are your files. Cloud vaults live in your own OneDrive or Google Drive, to which you grant us access by signing in with your Microsoft or Google account. Local-folder vaults live only on your computer's disk.

We do not run a sync service of our own; syncing is done by OneDrive or Google Drive. The availability and backups of your notes therefore depend on your storage and on its provider's terms.

We do not store the text of notes from cloud vaults on our server. What we do keep on the server (for example an index with note titles and paths, attachments or comments) is described in the Privacy Policy.

5. Your account and security

You need an account for the web app, sharing and the Pro subscription. Use a real e-mail address and keep your password, devices and MCP tokens safe. You are responsible for activity under your account. If you suspect misuse, change your password and let us know.

You can encrypt notes and blocks with a password. For encrypted notes our server stores only the encrypted content and never stores the password. So we do not know your password and cannot recover it: if you forget it, the content cannot be restored.

6. AI in the desktop app

AI runs in the desktop app in two modes. With your own API key (OpenAI, Anthropic, Google Gemini or a local Ollama), the request goes directly from your device to that provider under your own contract with them; we do not see it. With our models (Pro), the request goes through our server to our model provider and is paid by usage (section 11).

AI output may be inaccurate or incomplete and is not professional, legal, medical or financial advice. Check it before you rely on it. You are responsible for how you use it.

Agents (research, cleanup and writing into notes) can change notes only within the vault and according to your approval settings. Changes are logged and can be undone.

7. MCP

With Pro, you can give external AI agents (for example Claude) access to your vault via MCP: either through the local MCP server in the desktop app, or through the remote MCP endpoint on our server, which the agent signs in to with your personal token. You can revoke the token at any time.

You are responsible for which agents you connect and what you use them for. What an agent does with the data is governed by the terms of its provider.

So that remote MCP can search by meaning, you can turn on the remote MCP index for a vault. The desktop app then uploads to our server only vectors computed from your notes, not their text. The details are in the Privacy Policy.

8. Sharing and comments

With Pro, you can create share links. Anyone with the link can view and comment on the shared content without an account, just by entering a name. You can revoke a link at any time.

You are responsible for what you share and with whom. The acceptable use rules (section 15) also apply to guests who comment.

9. Plans and prices

Free costs nothing. Pro costs 12 USD per month excluding VAT and is charged in USD; amounts in other currencies on the website are approximate. VAT is added at checkout according to the customer's country; businesses with a valid EU VAT ID may be reverse-charged.

Business is in preparation: it will consist of Pro licences that a company buys for its people, with the company paying for AI usage. If you are interested, contact us.

We may also grant Pro for free, for example as compensation or a gift, for a period we tell you when granting it. When that period ends, Pro ends unless you subscribe.

AI usage on our models is not included in the subscription price and is paid separately (section 11).

10. The Pro subscription and payments

Pro is a monthly subscription paid by card through Stripe Checkout. It renews automatically every month until you cancel it. We do not offer one-time payments.

You cancel the subscription on your account page at /account, which takes you to the Stripe customer portal. Pro stays active until the end of the paid period. Invoices and receipts are also available at /account.

If a renewal payment fails, the subscription becomes "past due". Pro keeps working while Stripe retries the payment. If the payment stays unpaid, Pro is turned off. We never delete your notes because of an unpaid payment.

11. AI usage on our models

With Pro, you can use chat and agents on our models in the desktop app. They are paid by usage: we record each call with its token counts and price.

In your account, you set a monthly spending cap (20 USD by default, adjustable from 1 to 1000 USD). When you reach 80 %, we send you an e-mail. The cap is soft: a call that is already running can finish, which takes your spending above the cap.

Usage is billed on your monthly invoice, or earlier as a separate charge once unpaid usage reaches 20 USD (10 USD for new accounts until their first invoice is paid).

Discount codes never apply to AI usage.

12. Discounts and the education discount

We issue discount codes through Stripe, both general and personal. They may have an expiry date and a limited number of redemptions.

Students and teachers can get 50 % off Pro for 12 months (one coupon). With a verified e-mail on a school domain from our list, the discount applies automatically. Otherwise, request it at /account and provide proof (your school, student or teacher card number, or a document). We review the request and, if approved, send you a personal code.

After 12 months, the standard price applies unless you verify your eligibility again. Discounts apply only to the subscription, never to AI usage.

13. Right of withdrawal (consumers)

If you are a consumer, you can withdraw from the Pro subscription without giving a reason within 14 days of concluding the contract, that is, of your first subscription payment. Just tell us by e-mail at support@insightdown.com (in any form, or like this: "I hereby withdraw from my InsightDown Pro subscription contract. Date of first payment: … Account e-mail: … Name: … Date: …").

If you withdraw, we refund the full price you paid for the subscription, 12 USD plus the VAT you paid, within 14 days of receiving your withdrawal and by the same means you paid with. Pro then ends.

AI usage on our models is a separate service that we provide at your request immediately with every call, and every call is provided in full. Before you buy, you expressly ask us to start the service and acknowledge that the right of withdrawal ends once a service has been provided in full (Section 1837(a) of the Czech Civil Code). AI usage therefore cannot be refunded, and usage not yet billed is billed even after you withdraw.

We show you this notice at checkout and ask you to agree to it before you pay. This does not affect your other rights, such as the right to make a complaint. After the 14 days you can cancel the subscription at any time, effective at the end of the paid period (section 10).

14. Complaints and disputes

If the service does not work as it should, or you disagree with a charge, write to us at support@insightdown.com. Describe the problem and include details that help us find it. We handle complaints without undue delay and at the latest within the period set by law.

If you are a consumer and we cannot resolve a dispute by agreement, you can turn to the Czech Trade Inspection Authority (ČOI), which is the competent body for out-of-court resolution of consumer disputes (www.coi.cz).

15. Acceptable use

You may not use the service to break the law or infringe the rights of others, bypass security controls, spread malicious code, gain unauthorized access to data, send spam or otherwise abuse the service and its infrastructure, including share links, comments and MCP.

16. Your content and our rights

Content you create or upload in InsightDown remains yours. You grant us only the limited rights we need to provide the service: for example to process the content, store attachments and comments, and show a shared note to the people you share it with.

You are responsible for having the necessary rights to your content and for storing and sharing it lawfully.

The InsightDown apps, their design and the brand belong to the operator. As long as you follow these terms, you may use them for their intended purpose.

17. Availability and changes to the service

We keep developing the service and may change, extend or discontinue some features. We do not guarantee uninterrupted availability, error-free operation or compatibility with every device and operating system. This does not affect your statutory rights.

18. Limitation of liability

To the extent permitted by law, we are not liable for indirect or consequential damage, lost profits or loss of data arising from your use of, or inability to use, the service. This limitation does not apply where the law does not allow liability to be limited, and it does not affect your rights as a consumer.

19. Closing your account

You can close your account at any time: ask us to delete it at support@insightdown.com. If you have an active subscription, cancel it at /account.

We may restrict your access to the service or close your account only if you breach these terms, or for legal or security reasons.

Notes in your OneDrive, Google Drive or local folder remain yours after your account is closed. What happens to the data on our server is described in the Privacy Policy.

20. Governing law and changes to these terms

These terms are governed by the law of the Czech Republic. If you are a consumer, this does not affect the rights given to you by the mandatory laws of the country where you habitually live.

We may change these terms. We will tell you about material changes in advance by e-mail or in the app. If you do not agree with a change, you can cancel your subscription and stop using the service.

21. Contact

If you have questions about these terms, write to us at support@insightdown.com, use the contact form on the website, or use "Report a problem" in the app's help window.