1. Introduction and Acceptance
1.1 Agreement Overview
These Terms of Service ("Terms") constitute a binding legal agreement between SA Cyber LLC, a Wyoming limited liability company doing business as "Chat.co" ("Chat.co," "we," "us," or "our") and the individual or legal entity accepting these Terms ("Customer" or "you"). These Terms govern your access to and use of our AI-powered chatbot creation platform, knowledge base management system, embeddable chat widgets, artificial intelligence tools, proprietary software, and all related services (collectively, the "Services").
1.2 Acceptance of Terms
BY ACCEPTING THESE TERMS, EITHER BY CLICKING A BOX INDICATING YOUR ACCEPTANCE, EXECUTING AN ORDER FORM THAT REFERENCES THESE TERMS, CREATING AN ACCOUNT, OR USING THE SERVICES, YOU AGREE TO BE BOUND BY THESE TERMS. IF YOU DO NOT AGREE TO THESE TERMS, YOU MAY NOT ACCESS OR USE THE SERVICES.
1.3 Authority to Bind
If you are entering into these Terms on behalf of a company, organization, or other legal entity, you represent and warrant that you have the authority to bind such entity and its affiliates to these Terms. In such case, the terms "Customer" or "you" shall refer to such entity and its affiliates. If you do not have such authority, or if you do not agree with these Terms, you must not accept these Terms and may not use the Services.
1.4 Modifications to Terms
Chat.co reserves the right to modify these Terms at any time. We will provide notice of material changes by posting the updated Terms on our website and updating the "Effective Date" above. Your continued use of the Services after such modifications constitutes your acceptance of the revised Terms. If you do not agree to the modified Terms, you must stop using the Services and terminate your account.
2. Definitions
The following terms shall have the meanings set forth below:
"Affiliate" means any entity that directly or indirectly controls, is controlled by, or is under common control with the subject entity. "Control" means direct or indirect ownership or control of more than 50% of the voting interests of the subject entity.
"Authorized User" means an individual who is authorized by Customer to use the Services, for whom a subscription to the Services has been ordered, and who has been supplied user identifications and passwords by Customer (or by us at Customer's request). Authorized Users may include employees, consultants, contractors, and agents of Customer, as well as Customer's own end-user customers who interact with Customer's deployed Chatbots ("End Users").
"Chatbot" means an AI-powered conversational agent created by Customer using the Services, which may be trained on Customer's Knowledge Base and deployed via embeddable widgets or hosted pages.
"Customer Data" means all electronic data, documents, text, images, messages, sound, video, and information submitted by Customer or Authorized Users to the Services, including without limitation documents uploaded to Knowledge Bases, Chatbot configurations, conversation logs, and any Input provided to AI Features.
"AI Features" means features of the Services that utilize artificial intelligence, machine learning, large language models, or similar technologies to generate outputs ("Output") based on inputs provided by Customer or Authorized Users ("Input"). AI Features include, but are not limited to, automated chatbot responses, document analysis, and natural language processing capabilities.
"Knowledge Base" means a collection of documents, files, and data uploaded by Customer to the Services for the purpose of training and informing Chatbot responses.
"Personal Data" means any information relating to an identified or identifiable natural person, as defined under applicable data protection laws including the General Data Protection Regulation (GDPR) and the California Consumer Privacy Act (CCPA).
"Subscription Term" means the period during which Customer has agreed to subscribe to the Services, as specified in the applicable Order Form.
3. Account Registration and Security
3.1 Account Creation
To access and use the Services, Customer must create an account by providing accurate, current, and complete information as prompted by the registration process. Customer agrees to maintain and promptly update such information to keep it accurate, current, and complete.
3.2 Account Security
Customer is responsible for maintaining the confidentiality of all login credentials associated with Customer's account and for all activities that occur under Customer's account. Customer agrees to: (a) immediately notify Chat.co of any unauthorized use of Customer's account or any other breach of security; and (b) ensure that Customer exits from the account at the end of each session. Chat.co shall not be liable for any loss or damage arising from Customer's failure to comply with this section.
3.3 Authorized User Management
Customer is solely responsible for:
- Designating which individuals are Authorized Users
- Ensuring that Authorized Users comply with these Terms
- Controlling the level of access each Authorized User has to the Services
- Promptly revoking access for any Authorized User who is no longer authorized or who violates these Terms
Customer shall be liable for all acts and omissions of its Authorized Users.
3.4 Age Requirement
The Services are not intended for use by individuals under the age of 18. By using the Services, you represent and warrant that you are at least 18 years of age. If we learn that we have collected or received Personal Data from an individual under 18, we will delete that information.
4. Use of Services and Restrictions
4.1 License Grant
Subject to these Terms and the applicable Order Form, Chat.co grants Customer a limited, non-exclusive, non-transferable (except as permitted in Section 16.6), non-sublicensable right to access and use the Services and Documentation during the Subscription Term solely for Customer's internal business purposes and, where applicable, to provide services to Customer's own clients through deployed Chatbots.
4.2 Service Description
The Services provide Customer with tools to:
- Upload documents and create Knowledge Bases
- Build and configure AI-powered Chatbots trained on Customer's data
- Deploy Chatbots via embeddable JavaScript widgets or hosted chat pages
- Manage conversations and view analytics
- Access other features as described in the Documentation and applicable Order Form
4.3 Restrictions
Customer will not, and will not permit any Authorized User or third party to:
- Make any Service available to anyone other than Authorized Users, or use any Service for the benefit of anyone other than Customer, unless expressly stated otherwise in an Order Form
- Sell, resell, license, sublicense, distribute, rent, or lease any Service or Content
- Use a Service to store or transmit infringing, libelous, defamatory, or otherwise unlawful or tortious material
- Use a Service to store or transmit Malicious Code
- Interfere with or disrupt the integrity or performance of any Service
- Attempt to gain unauthorized access to any Service or its related systems or networks
- Copy, modify, or create derivative works of the Services
- Reverse engineer, disassemble, decompile, or otherwise attempt to derive the source code
- Access any Service in order to build a competitive product or service
- Use automated means to access the Services, except through our published API
4.4 Customer Responsibilities
Customer will be responsible for:
- Authorized Users' compliance with these Terms, the Documentation, and applicable laws
- The accuracy, quality, legality, and appropriateness of Customer Data
- Using commercially reasonable efforts to prevent unauthorized access
- Notifying Chat.co promptly of any unauthorized access or use
- Ensuring compliance with all applicable laws and regulations, including export control laws
5. Acceptable Use Policy
5.1 Prohibited Uses
Customer agrees not to use the Services, and will ensure that Authorized Users do not use the Services, to:
- Engage in any illegal activities or promote illegal acts
- Send unsolicited bulk communications, spam, or phishing messages
- Harass, threaten, intimidate, or bully any person
- Misrepresent identity or affiliation with any person or entity
- Transmit or store content that is obscene, pornographic, or harmful to minors
- Promote violence, hatred, or discrimination
- Infringe upon intellectual property rights, privacy rights, or publicity rights
- Distribute malware, viruses, or other harmful code
- Attempt to circumvent security measures or gain unauthorized access
- Use the Services to provide professional advice without appropriate licensure
- Use the Services in a manner that could damage or impair Chat.co's servers or networks
5.2 Enforcement
Chat.co reserves the right, but does not assume the obligation, to investigate any violation of this Acceptable Use Policy or misuse of the Services. Chat.co may, in its sole discretion:
- Remove or refuse to post any Customer Data
- Suspend or terminate Customer's access to the Services
- Report any activity that it suspects violates any law to appropriate law enforcement officials
- Take any other action Chat.co deems appropriate to protect its rights or the rights of third parties
5.3 Content Moderation
While Chat.co does not routinely monitor Customer Data, Chat.co reserves the right to review Customer Data for compliance with these Terms and applicable law. Customer acknowledges that Chat.co may use automated systems to scan for Malicious Code, prohibited content, or other violations.
6. Artificial Intelligence Addendum
6.1 AI Features Overview
The Services incorporate AI Features powered by large language models and machine learning technologies. These AI Features enable Customer to create intelligent Chatbots that can understand natural language, process documents, and generate contextually relevant responses based on Customer's Knowledge Base and Input.
6.2 Input and Output Ownership
As between the parties, and to the extent permitted by applicable law:
- Customer owns all Input. Customer retains all right, title, and interest in and to Input, including any intellectual property rights therein.
- Subject to Customer's compliance with these Terms, Chat.co hereby assigns to Customer all of Chat.co's right, title, and interest in and to the Output. This assignment is effective upon creation of the Output.
- Customer may use Output for any lawful purpose, including commercial purposes such as sale or publication, provided Customer complies with these Terms.
6.3 AI Accuracy Disclaimer ("Hallucinations")
ARTIFICIAL INTELLIGENCE AND MACHINE LEARNING ARE RAPIDLY EVOLVING FIELDS OF STUDY. CUSTOMER ACKNOWLEDGES AND AGREES THAT:
- Output may not be unique across users, and the Services may generate the same or similar Output for Chat.co or third parties based on similar Input
- AI Features may generate Output that is incorrect, incomplete, inconsistent, misleading, or offensive ("Hallucinations")
- AI Features are probabilistic in nature and may produce different outputs in response to identical inputs
- Customer is solely responsible for evaluating and verifying the accuracy, completeness, and appropriateness of Output
- Customer assumes all responsibility for decisions made based on Output
CHAT.CO MAKES NO WARRANTY AS TO THE ACCURACY, RELIABILITY, COMPLETENESS, OR SUITABILITY OF ANY AI-GENERATED OUTPUT. THE AI FEATURES ARE PROVIDED "AS IS" WITHOUT WARRANTY OF ANY KIND.
6.4 Human-in-the-Loop Requirement
Customer agrees to implement appropriate human review and oversight of AI-generated Output before deploying it in production environments, particularly for high-stakes use cases. Customer acknowledges that AI Features are intended to assist, not replace, human judgment and decision-making.
6.5 No Professional Advice
The AI Features are not intended to provide, and should not be relied upon for, legal, medical, financial, tax, accounting, or other professional advice. Customer should consult with a qualified professional before making any decisions based on Output. If Customer deploys Chatbots that may interact with End Users seeking such advice, Customer is solely responsible for ensuring appropriate disclaimers and disclosures are provided.
6.6 Training Data Rights
Chat.co will not use Customer Data to train or improve its foundation artificial intelligence models that are generally available to other customers without Customer's express written permission. However, Chat.co may:
- Use Customer Data to provide, maintain, and improve the Services for Customer's account specifically
- Use usage patterns, metadata, aggregate statistics, and anonymized/de-identified data to improve the Services generally
- Use Customer Data as necessary to detect and prevent fraud, abuse, security threats, and violations of these Terms
6.7 Third-Party AI Services
The AI Features may incorporate or rely upon artificial intelligence services provided by third parties (e.g., AWS Bedrock, OpenAI, Anthropic). Customer's use of the Services is subject to the terms and policies of such third-party providers to the extent applicable. Chat.co shall not be liable for any acts or omissions of third-party AI service providers.
7. Fees and Payment
7.1 Fees
Customer will pay all fees specified in Order Forms. Except as otherwise specified herein or in an Order Form:
- Fees are based on Services and subscription tiers purchased and not actual usage, unless a usage-based pricing model is specified
- Payment obligations are non-cancelable and fees paid are non-refundable
- Quantities purchased cannot be decreased during the relevant Subscription Term
7.2 Subscription Tiers
The Services are offered in various subscription tiers (e.g., Starter, Professional, Enterprise) with different feature sets, usage limits, and pricing. The specific features, limits, and pricing for each tier are set forth in the Order Form or on the Chat.co pricing page. Customer's access to features and capacity is limited to those included in Customer's selected subscription tier.
7.3 Invoicing and Payment
Fees will be invoiced in advance and otherwise in accordance with the relevant Order Form. Unless otherwise stated in the Order Form:
- Fees are due net thirty (30) days from the invoice date for enterprise customers, or immediately upon subscription for self-service customers
- Customer shall pay all fees via credit card, ACH, or wire transfer as specified
- Customer is responsible for providing complete and accurate billing and contact information
7.4 Overdue Charges
If any invoiced amount is not received by Chat.co by the due date, then without limiting Chat.co's rights or remedies:
- Those charges may accrue late interest at the rate of 1.5% of the outstanding balance per month, or the maximum rate permitted by law, whichever is lower
- Chat.co may suspend access to the Services until such amounts are paid in full
7.5 True-Up for Additional Usage
If Customer adds Authorized Users, Chatbots, or other billable items beyond the quantities included in Customer's subscription tier during a billing cycle, Chat.co will charge Customer for the applicable fees prorated for the remainder of the then-current billing cycle. Chat.co may conduct periodic audits to verify Customer's usage and reconcile any underpayment.
7.6 Taxes
All fees are exclusive of taxes. Customer is responsible for paying all taxes, levies, or duties assessed by taxing authorities in connection with Customer's purchase of the Services, excluding taxes based on Chat.co's net income. If Chat.co has a legal obligation to pay or collect taxes for which Customer is responsible, Chat.co will invoice Customer and Customer will pay that amount unless Customer provides Chat.co with a valid tax exemption certificate.
7.7 Price Changes
Chat.co may change its pricing at any time. Any price changes will take effect upon the next renewal of Customer's subscription. Chat.co will provide Customer with reasonable advance notice of any price increases.
8. Proprietary Rights and Licenses
8.1 Reservation of Rights
Subject to the limited rights expressly granted hereunder, Chat.co and its affiliates, licensors, and content providers reserve all of their right, title, and interest in and to the Services, including all of their related intellectual property rights. Without limiting the foregoing, Chat.co retains all rights in and to:
- The underlying software, algorithms, and technologies powering the Services
- The Chat.co name, logo, trademarks, and brand features
- Any improvements, modifications, or derivative works of the Services, regardless of who suggests them
8.2 Customer Data License
Customer grants Chat.co, its Affiliates, and applicable contractors a worldwide, limited-term license to host, copy, process, transmit, and display Customer Data as reasonably necessary for Chat.co to:
- Provide, maintain, and improve the Services in accordance with this Agreement
- Ensure proper operation of the Services and associated systems
- Comply with applicable law or legal process
Subject to the limited licenses granted herein, Chat.co acquires no right, title, or interest from Customer or its licensors under this Agreement in or to any Customer Data.
8.3 Feedback
If Customer or any Authorized User provides Chat.co with any feedback, suggestions, ideas, or recommendations regarding the Services ("Feedback"), Chat.co shall have a royalty-free, worldwide, irrevocable, perpetual license to use, incorporate, and otherwise exploit such Feedback for any purpose without any obligation or compensation to Customer.
8.4 Usage Data
Chat.co may collect and use Usage Data (technical logs, performance metrics, aggregate usage statistics, and similar operational data) to: (a) operate and improve the Services; (b) develop new products and features; (c) generate aggregate insights and benchmarks; and (d) for other lawful business purposes. Usage Data does not include Customer Data or Personal Data and shall be owned by Chat.co.
9. Data Privacy and Security
9.1 Data Processing Addendum
To the extent that Chat.co processes any Personal Data contained in Customer Data on Customer's behalf in the provision of the Services, the terms of the Data Processing Addendum ("DPA"), which is available at chat.co/legal/dpa and incorporated herein by reference, shall apply. For the purposes of the Standard Contractual Clauses (where applicable), Customer and its applicable Affiliates are each the data exporter.
9.2 Roles and Responsibilities
With respect to Personal Data contained in Customer Data:
- Customer is the data controller (or "business" under CCPA) and determines the purposes and means of processing
- Chat.co is the data processor (or "service provider" under CCPA) and processes Personal Data only in accordance with Customer's documented instructions and these Terms
- Customer is responsible for ensuring that it has obtained all necessary consents, provided all required notices, and has a lawful basis for transferring Personal Data to Chat.co
9.3 Security Measures
Chat.co will implement and maintain appropriate administrative, physical, and technical safeguards designed to protect the security, confidentiality, and integrity of Customer Data. These measures include, but are not limited to:
- Encryption of data in transit and at rest
- Access controls and authentication mechanisms
- Regular security assessments and penetration testing
- Incident response procedures
- Employee security training
9.4 CCPA Service Provider
If Customer is subject to the California Consumer Privacy Act (CCPA) and California Privacy Rights Act (CPRA), the parties agree that Chat.co is a "Service Provider" as defined therein. Chat.co shall not:
- Sell or share Customer's Personal Data
- Retain, use, or disclose Customer's Personal Data for any purpose other than performing the Services specified in this Agreement
- Retain, use, or disclose such information outside of the direct business relationship between Chat.co and Customer, except as permitted by the CCPA/CPRA
9.5 Data Breach Notification
In the event that Chat.co becomes aware of a security breach that results in the unauthorized access, acquisition, or disclosure of Customer Data ("Security Incident"), Chat.co will:
- Notify Customer of the Security Incident without undue delay
- Investigate the Security Incident and take reasonable steps to mitigate its effects
- Provide Customer with information reasonably necessary for Customer to meet its legal obligations
- Cooperate with Customer in responding to the Security Incident
9.6 Data Location
Customer Data may be processed and stored in the United States or other jurisdictions where Chat.co or its sub-processors maintain facilities. By using the Services, Customer consents to the transfer of Customer Data to such locations. Chat.co will ensure that appropriate safeguards are in place for any international data transfers, including Standard Contractual Clauses where required.
9.7 Data Retention and Deletion
Upon termination or expiration of this Agreement, Chat.co will, upon Customer's request, delete or return all Customer Data in its possession within thirty (30) days, except to the extent Chat.co is required by applicable law to retain such data. Customer is responsible for exporting any Customer Data it wishes to retain prior to termination.
10. Confidentiality
10.1 Definition of Confidential Information
"Confidential Information" means all information disclosed by a party ("Disclosing Party") to the other party ("Receiving Party"), whether orally or in writing, that is designated as confidential or that reasonably should be understood to be confidential given the nature of the information and the circumstances of disclosure. Confidential Information includes, but is not limited to:
- Customer Data (as Customer's Confidential Information)
- The Services, software, algorithms, and technical documentation (as Chat.co's Confidential Information)
- The terms, conditions, and pricing of this Agreement and all Order Forms
- Business plans, strategies, and financial information
- Any other information marked "confidential" or similar designation
10.2 Exclusions
Confidential Information does not include information that:
- Is or becomes publicly available without breach of any obligation owed to the Disclosing Party
- Was known to the Receiving Party prior to its disclosure by the Disclosing Party
- Is received from a third party without breach of any obligation owed to the Disclosing Party
- Was independently developed by the Receiving Party without use of or reference to the Disclosing Party's Confidential Information
10.3 Protection of Confidential Information
The Receiving Party will:
- Use the same degree of care to protect the Disclosing Party's Confidential Information as it uses to protect its own confidential information of like kind, but not less than reasonable care
- Not use any Confidential Information of the Disclosing Party for any purpose outside the scope of this Agreement
- Limit access to Confidential Information to those who need that access for purposes consistent with this Agreement
10.4 Compelled Disclosure
If the Receiving Party is compelled by law to disclose Confidential Information of the Disclosing Party, it shall provide the Disclosing Party with prior notice of such compelled disclosure (to the extent legally permitted) and reasonable assistance, at the Disclosing Party's expense, if the Disclosing Party wishes to contest the disclosure.
11. Warranties and Disclaimers
11.1 Mutual Representations
Each party represents and warrants that:
- It has the legal power and authority to enter into this Agreement
- This Agreement has been duly executed and authorized and constitutes a binding obligation
- Its performance under this Agreement will not conflict with any other agreement to which it is bound
11.2 Chat.co Warranty
Chat.co warrants that during an applicable Subscription Term: (a) the Services will perform materially in accordance with the applicable Documentation; and (b) the functionality of the Services will not be materially decreased during a Subscription Term. For any breach of this warranty, Customer's exclusive remedy shall be as set forth in Section 14.3 (Termination for Cause).
11.3 Customer Warranties
Customer represents and warrants that:
- Customer has obtained all rights, licenses, and consents necessary to grant the licenses to Customer Data under this Agreement
- Customer Data does not and will not infringe, misappropriate, or violate the intellectual property rights, privacy rights, or other rights of any third party
- Customer's use of the Services will comply with all applicable laws, regulations, and industry standards
11.4 Disclaimers
EXCEPT AS EXPRESSLY PROVIDED HEREIN, NEITHER PARTY MAKES ANY WARRANTY OF ANY KIND, WHETHER EXPRESS, IMPLIED, STATUTORY, OR OTHERWISE, AND EACH PARTY SPECIFICALLY DISCLAIMS ALL IMPLIED WARRANTIES, INCLUDING ANY IMPLIED WARRANTY OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, OR NON-INFRINGEMENT, TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW.
THE SERVICES, INCLUDING ALL AI FEATURES AND BETA FEATURES, ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTY OF ANY KIND. CHAT.CO DOES NOT WARRANT THAT: (A) THE SERVICES WILL BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR-FREE; (B) THE RESULTS OBTAINED FROM USE OF THE SERVICES WILL BE ACCURATE OR RELIABLE; (C) THE QUALITY OF ANY PRODUCTS, SERVICES, INFORMATION, OR OTHER MATERIAL OBTAINED THROUGH THE SERVICES WILL MEET CUSTOMER'S EXPECTATIONS; OR (D) ANY ERRORS IN THE SERVICES WILL BE CORRECTED.
11.5 Beta Services
Chat.co may offer certain features or services designated as "beta," "preview," "early access," or similar ("Beta Services"). Beta Services are provided for evaluation purposes only and may be discontinued at any time without notice. Customer's use of Beta Services is at Customer's sole risk. Beta Services are not covered by any SLA, warranty, or indemnification obligations under this Agreement.
12. Indemnification
12.1 Indemnification by Chat.co
Chat.co will defend Customer against any claim, demand, suit, or proceeding made or brought against Customer by a third party alleging that the Services (excluding Customer Data, Third-Party Applications, and AI-generated Output) infringe or misappropriate such third party's intellectual property rights (a "Claim Against Customer"), and will indemnify Customer from any damages, attorney fees, and costs finally awarded against Customer as a result of, or for amounts paid by Customer under a settlement approved by Chat.co in writing of, a Claim Against Customer.
12.2 Exclusions from Chat.co Indemnification
Chat.co shall have no obligation under Section 12.1 to the extent a claim arises from:
- Customer Data
- Third-Party Applications
- Output generated by AI Features
- Modifications to the Services not made by Chat.co
- Customer's use of the Services in violation of these Terms
- Combination of the Services with other products, services, or technologies not provided by Chat.co
12.3 Remediation
If the Services are, or in Chat.co's reasonable opinion are likely to be, the subject of an infringement claim, Chat.co may, at its option and expense:
- Procure for Customer the right to continue using the Services
- Replace or modify the Services so they become non-infringing without materially reducing functionality
- If the foregoing options are not reasonably practicable, terminate Customer's access to the affected Services and refund any prepaid fees for the remainder of the Subscription Term
12.4 Indemnification by Customer
Customer will defend Chat.co against any claim, demand, suit, or proceeding made or brought against Chat.co by a third party alleging that:
- Customer Data, or Customer's use of Customer Data with the Services, infringes or misappropriates such third party's intellectual property rights or violates applicable law
- A Third-Party Application provided or specified by Customer infringes or misappropriates such third party's intellectual property rights
- Customer's use of the Services in violation of these Terms caused harm to such third party
- Output generated based on Customer's Input infringes or misappropriates such third party's intellectual property rights
12.5 Exclusive Remedy
This Section 12 states the indemnifying party's sole liability to, and the indemnified party's exclusive remedy against, the other party for any type of claim described in this Section.
13. Limitation of Liability
13.1 Limitation of Liability
IN NO EVENT SHALL THE AGGREGATE LIABILITY OF EACH PARTY TOGETHER WITH ALL OF ITS AFFILIATES ARISING OUT OF OR RELATED TO THIS AGREEMENT EXCEED THE TOTAL AMOUNT PAID BY CUSTOMER AND ITS AFFILIATES HEREUNDER FOR THE SERVICES GIVING RISE TO THE LIABILITY IN THE TWELVE (12) MONTHS PRECEDING THE FIRST INCIDENT OUT OF WHICH THE LIABILITY AROSE. THE FOREGOING LIMITATION WILL APPLY WHETHER AN ACTION IS IN CONTRACT OR TORT AND REGARDLESS OF THE THEORY OF LIABILITY, BUT WILL NOT LIMIT CUSTOMER'S PAYMENT OBLIGATIONS UNDER SECTION 7.
13.2 Exclusion of Consequential and Related Damages
IN NO EVENT WILL EITHER PARTY OR ITS AFFILIATES HAVE ANY LIABILITY ARISING OUT OF OR RELATED TO THIS AGREEMENT FOR ANY: (A) LOST PROFITS, LOST REVENUES, LOSS OF GOODWILL, OR LOSS OF ANTICIPATED SAVINGS; (B) LOSS OR CORRUPTION OF DATA; (C) INDIRECT, SPECIAL, INCIDENTAL, CONSEQUENTIAL, COVER, BUSINESS INTERRUPTION, OR PUNITIVE DAMAGES; OR (D) COST OF PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, WHETHER AN ACTION IS IN CONTRACT OR TORT AND REGARDLESS OF THE THEORY OF LIABILITY, EVEN IF A PARTY OR ITS AFFILIATES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.
13.3 Exceptions
The limitations in Sections 13.1 and 13.2 shall not apply to:
- A party's breach of its confidentiality obligations under Section 10
- A party's indemnification obligations under Section 12
- Customer's breach of Section 4.3 (Restrictions) or Section 5 (Acceptable Use Policy)
- Fraud, gross negligence, or willful misconduct
- Amounts owed under Section 7 (Fees and Payment)
13.4 Allocation of Risk
The parties acknowledge that the limitations of liability in this Section 13 are an essential element of the bargain between the parties and reflect a fair allocation of risk. The fees charged for the Services would be significantly higher without such limitations.
14. Term and Termination
14.1 Term of Agreement
This Agreement commences on the date Customer first accepts it and continues until all subscriptions hereunder have expired or have been terminated.
14.2 Term of Subscriptions
The term of each subscription shall be as specified in the applicable Order Form. Unless otherwise specified in an Order Form:
- Subscriptions will automatically renew for additional periods equal to the expiring Subscription Term or one (1) year, whichever is shorter
- Either party may give the other written notice (email acceptable) of its intent not to renew at least thirty (30) days before the end of the relevant Subscription Term
14.3 Termination for Cause
Either party may terminate this Agreement for cause:
- Upon thirty (30) days' written notice to the other party of a material breach if such breach remains uncured at the expiration of such period
- Immediately if the other party becomes the subject of a petition in bankruptcy or any other proceeding relating to insolvency, receivership, liquidation, or assignment for the benefit of creditors
14.4 Termination for Convenience
Customer may terminate a subscription at any time by providing written notice to Chat.co. However, Customer shall not be entitled to any refund of prepaid fees for the remainder of the then-current Subscription Term unless otherwise specified in the applicable Order Form or required by applicable law.
14.5 Effect of Termination
Upon termination or expiration of this Agreement:
- Customer's right to access and use the Services shall immediately cease
- Each party will return or destroy, at the other party's option, all Confidential Information of the other party in its possession
- Chat.co will delete Customer Data in accordance with Section 9.7
- Any provisions that by their nature should survive termination will survive
14.6 Suspension of Services
Chat.co may suspend Customer's access to the Services:
- If Customer fails to pay undisputed fees when due
- If Customer's use of the Services poses a security risk to the Services or third parties
- If Customer's use of the Services may subject Chat.co or third parties to liability
- If Customer is in breach of this Agreement
- As required by law or legal process
Chat.co will provide Customer with advance notice of suspension where reasonably practicable.
15. Service Level Agreement
15.1 Service Commitment
Chat.co will use commercially reasonable efforts to make the Services available with a Monthly Uptime Percentage of at least 99.9% during any monthly billing cycle (the "Service Commitment"). This Service Commitment applies only to paid subscription tiers and does not apply to free tiers, Beta Services, or Third-Party Applications.
15.2 Definitions
"Downtime" means the total accumulated minutes during a calendar month during which the Services are unavailable to Customer. Unavailability is measured based on server-side error rates and inability to access core functionality.
"Exclusions" means unavailability resulting from:
- Scheduled maintenance with at least 24 hours' prior notice
- Emergency maintenance to address security vulnerabilities or critical issues
- Force majeure events
- Failures of Customer's equipment, software, network connections, or third-party services
- Customer's breach of this Agreement
- Suspension of Customer's account in accordance with this Agreement
- Third-Party Applications
- Factors outside of Chat.co's reasonable control
"Monthly Uptime Percentage" is calculated as: ((Total Minutes in Month - Downtime Minutes) / Total Minutes in Month) × 100.
15.3 Service Credits
If Chat.co fails to meet the Service Commitment, Customer may be eligible to receive a Service Credit as a percentage of the monthly fees for the affected month.
15.4 Credit Request and Payment
To receive a Service Credit, Customer must submit a request to Chat.co support within thirty (30) days of the end of the month in which the Downtime occurred. The request must include:
- The dates and times of each Downtime incident
- The affected Services
- Logs or other documentation corroborating the claimed Downtime
If Chat.co confirms that the Service Commitment was not met, Service Credits will be applied to Customer's next invoice.
15.5 Maximum Credits
The aggregate maximum Service Credits that Customer may receive for any monthly billing period shall not exceed 30% of the fees paid by Customer for the affected Services for that month.
15.6 Sole Remedy
UNLESS OTHERWISE PROVIDED IN THESE TERMS, CUSTOMER'S SOLE AND EXCLUSIVE REMEDY FOR ANY UNAVAILABILITY, NON-PERFORMANCE, OR OTHER FAILURE BY CHAT.CO TO PROVIDE THE SERVICES IS THE RECEIPT OF A SERVICE CREDIT (IF ELIGIBLE) IN ACCORDANCE WITH THE TERMS OF THIS SLA.
16. General Provisions
16.1 Governing Law
This Agreement shall be governed by and construed in accordance with the internal laws of the State of Wyoming, without regard to its conflict of laws rules. The United Nations Convention on Contracts for the International Sale of Goods shall not apply to this Agreement.
16.2 Dispute Resolution and Arbitration
Any controversy or claim arising out of or relating to this Agreement, or the breach thereof, shall be settled by binding arbitration administered by the American Arbitration Association ("AAA") in accordance with its Commercial Arbitration Rules. The arbitration shall take place in Orlando, Florida, unless otherwise agreed by the parties. The arbitrator's decision shall be final and binding, and judgment on the award rendered by the arbitrator may be entered in any court having jurisdiction thereof.
16.3 Class Action Waiver
TO THE FULLEST EXTENT PERMITTED BY LAW, CUSTOMER AND CHAT.CO EACH WAIVE THE RIGHT TO A JURY TRIAL AND THE RIGHT TO PARTICIPATE IN A CLASS ACTION, COLLECTIVE ACTION, PRIVATE ATTORNEY GENERAL ACTION, OR OTHER REPRESENTATIVE PROCEEDING OF ANY KIND.
16.4 DMCA Notice
If you believe that any content on the Services infringes your copyright, please send a notice of copyright infringement to our Designated Agent at legal@chat.co in accordance with the Digital Millennium Copyright Act (17 U.S.C. § 512). The notice must include:
- Identification of the copyrighted work claimed to have been infringed
- Identification of the material that is claimed to be infringing and its location
- Your contact information
- A statement that you have a good faith belief that use of the material is not authorized
- A statement that the information in the notice is accurate
- Your physical or electronic signature
16.5 Export Compliance
The Services may be subject to export laws and regulations of the United States and other jurisdictions. Customer represents that it is not named on any U.S. government denied-party list. Customer will not permit Authorized Users to access or use the Services in a U.S.-embargoed country or in violation of any U.S. export law or regulation.
16.6 Assignment
Neither party may assign any of its rights or obligations hereunder, whether by operation of law or otherwise, without the prior written consent of the other party (not to be unreasonably withheld). Notwithstanding the foregoing, either party may assign this Agreement in its entirety, without consent of the other party, in connection with a merger, acquisition, corporate reorganization, or sale of all or substantially all of its assets. Any purported assignment in violation of this section shall be void.
16.7 Notices
All notices under this Agreement shall be in writing and shall be deemed to have been duly given when received, if personally delivered; when receipt is electronically confirmed, if transmitted by email; the day after it is sent, if sent for next day delivery by recognized overnight delivery service; and upon receipt, if sent by certified or registered mail, return receipt requested. Notices to Customer shall be sent to the email address associated with Customer's account. Notices to Chat.co shall be sent to: SA Cyber LLC, Attn: Legal Department, legal@chat.co.
16.8 Force Majeure
Neither party shall be liable for any failure or delay in performing its obligations under this Agreement (except for payment obligations) due to causes beyond its reasonable control, including, but not limited to, acts of God, natural disasters, war, terrorism, riots, embargoes, acts of civil or military authorities, fire, floods, pandemics, strikes, or shortages of transportation, facilities, fuel, energy, labor, or materials.
16.9 Relationship of the Parties
The parties are independent contractors. This Agreement does not create a partnership, franchise, joint venture, agency, fiduciary, or employment relationship between the parties. Neither party has authority to bind the other or incur obligations on the other's behalf.
16.10 No Third-Party Beneficiaries
There are no third-party beneficiaries to this Agreement. This Agreement is intended solely for the benefit of the parties hereto and their respective successors and permitted assigns.
16.11 Waiver
No failure or delay by either party in exercising any right under this Agreement shall constitute a waiver of that right. A waiver of any default shall not be a waiver of any subsequent default.
16.12 Severability
If any provision of this Agreement is held by a court of competent jurisdiction to be contrary to law, the provision will be modified by the court and interpreted so as best to accomplish the objectives of the original provision to the fullest extent permitted by law, and the remaining provisions of this Agreement will remain in effect.
16.13 Entire Agreement
This Agreement, including all Order Forms, the DPA, and any other addenda or exhibits incorporated by reference, constitutes the entire agreement between the parties and supersedes all prior and contemporaneous agreements, proposals, or representations, written or oral, concerning its subject matter. In the event of any conflict between this Agreement and an Order Form, the Order Form shall prevail. No modification, amendment, or waiver of any provision of this Agreement shall be effective unless in writing and signed by both parties.
16.14 Survival
The provisions of this Agreement that by their nature should survive termination or expiration shall survive, including, without limitation, Sections 2 (Definitions), 6 (AI Addendum - to the extent relating to Output ownership), 7 (Fees and Payment - for amounts accrued), 8 (Proprietary Rights), 10 (Confidentiality), 11 (Warranties and Disclaimers), 12 (Indemnification), 13 (Limitation of Liability), 14.5 (Effect of Termination), and 16 (General Provisions).
17. Contact Information
If you have any questions about these Terms of Service, please contact us at:
BY USING CHAT.CO, YOU ACKNOWLEDGE THAT YOU HAVE READ, UNDERSTOOD, AND AGREE TO BE BOUND BY THESE TERMS OF SERVICE.
© 2026 SA Cyber LLC d/b/a Chat.co. All rights reserved.
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