Terms of Service

By creating an account or using the BillionX AI platform (the “Service”), you agree to be bound by these Terms of Service (“Terms”), which form a binding contract between you and BillionX AI Ltd, a private limited company incorporated in England and Wales (company number [UK Companies House number]), with its registered office at [Registered office address, United Kingdom] (“BillionX AI”, “we”, “us”, “our”). If you do not agree, do not use the Service.

You must be at least 18 years old and have the legal capacity to enter into a binding contract. If you use the Service on behalf of an organization, you represent that you are authorized to bind that organization.

BillionX AI provides an AI-assisted strategy, learning, and productivity platform, including AI chat, guided courses, voice interactions, and productivity agents.

The Service is a general information and productivity tool. It is not financial, legal, tax, medical, or other regulated professional advice. You remain solely responsible for the decisions you make.

You are responsible for maintaining the confidentiality of your account credentials and for all activity that occurs under your account.

Accounts are personal and non-transferable. You may not share your account, allow multiple users to use one account, or create accounts by automated means.

New users receive a limited free preview of the AI chat (currently three messages). Access beyond the preview may require a paid subscription.

Paid subscriptions are currently disabled while the platform is in preparation for public launch. When billing is enabled, applicable fees, taxes (including UK VAT where applicable), billing cycles, refund rules, and cancellation terms will be disclosed at the point of purchase and will form part of these Terms.

You agree not to: (a) scrape, mirror, or bulk-download the Service; (b) reverse-engineer, decompile, or attempt to extract source models or prompts; (c) bypass paywalls, rate limits, or authentication; (d) use the Service to develop a competing product; (e) upload unlawful, infringing, harassing, or malicious content; (f) use the Service to generate content that violates applicable law or third-party rights.

We may throttle, suspend, or terminate access for suspected abuse without prior notice.

You retain ownership of content and prompts you submit (“User Content”). You grant BillionX AI a limited, worldwide, royalty-free license to host, process, transmit, and display User Content solely to operate, secure, and improve the Service for you.

You are responsible for User Content and for ensuring you have the rights necessary to submit it.

AI-generated output is probabilistic and may be inaccurate, incomplete, or unsuitable for your purpose. Do not rely on AI output as a sole basis for decisions with legal, financial, safety, or health consequences.

BillionX AI does not create a fiduciary, advisory, or professional relationship between you and BillionX AI.

The Service, including its software, models, prompts, frameworks, course materials, voice designs, trademarks, and branding, is owned by BillionX AI or its licensors and is protected by intellectual property laws.

Except for the limited right to use the Service as permitted here, no rights are granted to you by implication, estoppel, or otherwise.

The Service is delivered using third-party infrastructure providers, including cloud hosting, database, AI model, voice synthesis, and (in the future) payment providers. Your use of the Service is also subject to those providers’ terms where applicable.

We are not responsible for third-party services outside our control.

We may suspend or terminate your access, in whole or in part, at any time for suspected violation of these Terms, fraud, chargeback abuse, security risk, or as required by law.

You may stop using the Service at any time. Sections that by their nature should survive termination (including intellectual property, disclaimers, limitations of liability, indemnity, and dispute resolution) will survive.

The Service is provided “as is” and “as available.” To the fullest extent permitted by law, BillionX AI disclaims all warranties, express or implied, including satisfactory quality, fitness for a particular purpose, non-infringement, and any warranties arising from course of dealing or usage of trade.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law, including liability for death or personal injury caused by negligence, fraud or fraudulent misrepresentation, or any statutory rights of consumers that cannot lawfully be waived.

Subject to the paragraph above, and to the fullest extent permitted by law, BillionX AI, its affiliates, officers, employees, and agents will not be liable to you for: (a) any indirect, incidental, special, consequential, punitive, or exemplary damages; (b) loss of profits, revenue, business, contracts, anticipated savings, goodwill, or reputation; (c) loss or corruption of data; or (d) any damages arising from your reliance on AI-generated output.

Our total aggregate liability arising out of or in connection with the Service or these Terms, whether in contract, tort (including negligence), breach of statutory duty, or otherwise, will not exceed the greater of (i) the total fees you paid to BillionX AI for the Service in the twelve (12) months immediately preceding the event giving rise to the claim, or (ii) one hundred pounds sterling (£100).

These limitations apply even if any limited remedy fails of its essential purpose and reflect a reasonable allocation of risk between you and BillionX AI.

You agree to indemnify, defend, and hold harmless BillionX AI, its affiliates, and their respective officers, directors, employees, contractors, and agents from and against any and all claims, demands, actions, proceedings, losses, liabilities, damages, costs, and expenses (including reasonable legal fees and expenses) arising out of or related to: (a) your use or misuse of the Service; (b) your User Content; (c) your breach or alleged breach of these Terms or of any applicable law; or (d) your violation of any third-party right, including any intellectual property, privacy, or publicity right.

We reserve the right, at our own expense, to assume the exclusive defense and control of any matter otherwise subject to indemnification by you, in which case you agree to cooperate with our defense of such claim. You will not settle any claim affecting BillionX AI without our prior written consent.

Informal resolution first. Before starting any formal proceeding, you agree to contact us at legal@billionx.ai with a written description of the dispute and to attempt in good faith to resolve it informally for at least thirty (30) days.

Mediation. If the dispute is not resolved informally, the parties agree to attempt in good faith to resolve it through confidential mediation administered by the Centre for Effective Dispute Resolution (CEDR) in London, United Kingdom, in accordance with CEDR’s Model Mediation Procedure.

Binding arbitration. If mediation does not resolve the dispute within sixty (60) days of a written mediation request, the dispute will be referred to and finally resolved by binding arbitration under the Arbitration Act 1996 and the Rules of the London Court of International Arbitration (LCIA), which Rules are deemed incorporated by reference. The seat of arbitration will be London, England; the language will be English; and the tribunal will consist of one arbitrator appointed in accordance with the LCIA Rules. The arbitrator’s award will be final and binding on the parties.

No class actions. To the maximum extent permitted by law, all disputes must be brought in an individual capacity and not as a plaintiff or class member in any class, collective, or representative proceeding.

Exceptions. Nothing in this section prevents either party from (i) seeking urgent injunctive or equitable relief from a court of competent jurisdiction to protect its intellectual property or confidential information, or (ii) bringing a small-value claim in a court that has jurisdiction over such claims where the amount at stake makes arbitration impractical.

Consumer rights. If you use the Service as a consumer, this section does not deprive you of any mandatory rights to bring proceedings in the courts of your country of residence under applicable consumer-protection law.

These Terms, and any non-contractual obligations arising out of or in connection with them, are governed by the laws of England and Wales.

Subject to the mediation and arbitration provisions above, the courts of England and Wales have exclusive jurisdiction to settle any dispute arising out of or in connection with these Terms, save that, if you are a consumer resident in another jurisdiction, you may also bring proceedings in the courts of your country of residence where applicable law so requires.

We may update these Terms as the Service evolves. Material changes will be notified by email or in-app notice. Continued use of the Service after the effective date of the updated Terms constitutes acceptance.

Questions about these Terms: legal@billionx.ai.

Registered office: BillionX AI Ltd, [Registered office address, United Kingdom]. Company number: [UK Companies House number].