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Terms of Service

1. About These Terms

1.1. Agreement

These Terms of Service (“Terms”) govern your access to and use of the BHAG AI platform and related services (“Service”).

By accessing or using the Service, you agree to be bound by these Terms.

If you do not agree, you must not use the Service.

1.2. Operator of the Service

The Service is owned and operated by: individual entrepreneur Aleksei Stepankov, trading as BHAG AI (acting as a sole proprietor under applicable law)

Email: support@bhag.ai

For the purpose of these Terms, “BHAG”, “we”, “us”, and “our” refer to the operator named above.

1.3. Paddle as Merchant of Record

All payments and billing for the Service are handled by Paddle.com, our authorized reseller and Merchant of Record (“MoR”).

This means:

  • Paddle processes all payments,
  • Paddle issues invoices and tax receipts,
  • Paddle handles VAT/GST/Sales Tax calculations,
  • Paddle’s Buyer Terms also apply to all purchases.

Your purchase agreement for billing is between you and Paddle, while your use of the Service is governed by these Terms between you and BHAG.

1.4. Eligibility

You must be at least 18 years old and legally able to enter into contracts to use the Service.

By using the Service, you represent that you meet these requirements.

1.5. Updates to Terms

We may update these Terms from time to time.

If changes are material, we will notify you by email or via the Service.

Continued use of the Service after changes become effective constitutes acceptance of the updated Terms.

2. The Service

2.1. Description of the Service

BHAG AI is an automated, AI-powered software platform (“Service”) that helps users explore and evaluate market demand, potential customer segments, value perception, and strategic opportunities based on the descriptions of ideas or products submitted by the user.

The Service includes, but is not limited to:

  • generating AI-based Discovery Reports,
  • modeling potential segments, value drivers, barriers, and adoption signals,
  • providing structured insights derived from AI simulations,
  • offering dashboards or interfaces for accessing reports and results.

BHAG does not provide human research, consulting, or personalized expert analysis. All insights are generated automatically by software.

2.2. Nature of Results

The outputs produced by the Service (“Reports”, “Results”) are:

  • automatically generated by artificial intelligence,
  • based on patterns, models, and publicly available information indirectly learned by the underlying AI systems,
  • not based on real users, surveys, or personal data,
  • not predictions or guarantees of real-world performance,
  • intended to support early-stage analysis and decision-making, not replace professional judgement.

You acknowledge that:

  • results may vary depending on the input you provide,
  • the Service may not always produce accurate, complete, or relevant information,
  • decisions made based on the Results are entirely your responsibility.

2.3. User Responsibility for Inputs

To generate a Discovery Report, users submit descriptions of their ideas, products, or hypotheses.

You are solely responsible for ensuring that your inputs:

  • contain no personal data of third parties,
  • comply with applicable law,
  • do not infringe intellectual property or confidentiality obligations.

We do not verify or review user input for accuracy, legality, or sensitivity.

2.4. No Professional Advice

The Service does not provide:

  • business advice,
  • financial advice,
  • investment guidance,
  • legal or compliance recommendations.

All outputs are informational and exploratory in nature.

2.5. Changes and Improvements

We may update, improve, or modify features of the Service at any time, including:

  • algorithms and AI models,
  • report formats,
  • user interface,
  • functionality and limits.

We will make reasonable efforts not to disrupt ongoing user sessions, but uninterrupted availability cannot be guaranteed (see Section 8).

2.6. Availability of Features

Some features may be:

  • available only in specific plans or purchase tiers,
  • provided on a per-research basis,
  • subject to usage limits (e.g., rate limits, compute limits),
  • discontinued or replaced with notice.

2.7. No Storage Obligation

We may retain generated reports and user inputs for a limited time to support the provision of the Service.

We do not guarantee permanent storage of:

  • reports,
  • past insights,
  • previous research runs.

You are responsible for keeping backups or copies of any outputs you wish to retain.

3. Eligibility and Account Registration

3.1. Eligibility

To use the Service, you must:

  • be at least 18 years old,
  • have the legal capacity to enter into a binding agreement,
  • use the Service for lawful purposes only.

By creating an account, you represent that you meet these requirements.

3.2. Account Registration

To access the Service, you must create an account using a valid email address.

You agree to:

  • provide accurate and up-to-date information during registration,
  • maintain the confidentiality of your login credentials,
  • promptly update your account information if it changes.

We may require additional information in the future if reasonably necessary for service improvements, billing, or compliance.

3.3. Responsibility for Account Activity

You are responsible for all activity that occurs under your account, including actions taken by anyone who accesses the Service through your credentials.

You must:

  • keep your password secure,
  • not share your account access with others,
  • notify us immediately if you believe your account has been compromised.

We are not liable for losses resulting from unauthorized access caused by your failure to safeguard your credentials.

3.4. One Account per Individual

To maintain service integrity and prevent abuse (including refund abuse), we may enforce reasonable limits such as:

  • one account per individual,
  • one trial or introductory offer per individual or organization.

We reserve the right to disable duplicate or fraudulent accounts.

3.5. Account Suspension

We may suspend, restrict, or disable your account if:

  • you violate these Terms or our Acceptable Use rules,
  • we detect suspicious, abusive, or fraudulent activity,
  • required by Paddle, payment partners, or applicable law.

In most cases, we will provide notice, unless prohibited by law or necessary to prevent harm.

4. Payments and Billing

4.1. Paddle as Merchant of Record

All payments for the Service are processed by Paddle.com, our authorized reseller and Merchant of Record (“MoR”).

This means:

  • Paddle is the seller of record for all purchases,
  • Paddle handles payment processing,
  • Paddle issues invoices and receipts,
  • Paddle collects and remits all applicable taxes,
  • Paddle’s Buyer Terms apply to every transaction.

Your financial relationship for billing is with Paddle, while your use of the Service is governed by these Terms.

4.2. Pricing

Prices for the Service are displayed on our website at the time of purchase.

You acknowledge that:

  • prices may vary by currency or region,
  • Paddle may adjust prices to comply with local tax rules,
  • applicable taxes (VAT, GST, sales tax) are added at checkout and determined by Paddle based on your location.

We may modify pricing at any time, but changes do not affect past purchases.

4.3. Payment Processing

All payments are securely processed by Paddle.

We do not:

  • collect credit card information,
  • store payment details,
  • have access to your card or banking data.

Payment methods may include:

  • credit and debit cards,
  • PayPal,
  • local payment methods supported by Paddle.

4.4. One-Time Purchases

Each research (“Discovery Report”) is sold as a one-time, non-recurring digital product unless explicitly labeled otherwise.

There are no subscriptions or recurring charges unless the user explicitly opts into such a plan (if introduced in the future).

4.5. Currency

Paddle determines the transaction currency.

Displayed prices may differ from your final payment due to:

  • currency conversion by your bank or payment provider,
  • regional pricing applied by Paddle.

We are not responsible for fees charged by your bank, card issuer, or PayPal.

4.6. Invoices and Tax Documentation

Invoices, receipts, and tax documents are issued by Paddle and delivered to the email used at checkout.

Requests for invoice changes or refunds must be directed to Paddle where applicable.

4.7. Payment Failures

If payment fails or is reversed:

  • the related research will not be delivered or will be revoked,
  • you may lose access to generated reports,
  • Paddle may retry the payment according to their policies.

4.8. Fraud Prevention

We reserve the right to:

  • refuse payments,
  • cancel orders,
  • restrict access to the Service,
  • block accounts

if we or Paddle detect:

  • suspicious behavior,
  • abusive refund patterns,
  • fraudulent activity,
  • attempts to circumvent purchase limits.

5. Refund Policy

5.1. 14-Day Money-Back Guarantee

We want you to have confidence when trying BHAG.

If you are not satisfied with your purchase, you may request a full refund within 14 days of the original transaction date — no questions asked.

This guarantee applies to all one-time research purchases unless stated otherwise at checkout.

All refunds are processed by Paddle, our Merchant of Record.

5.2. How to Request a Refund

To request a refund, contact us at support@bhag.ai

or submit a refund request through Paddle using the link in your receipt.

Refunds will be issued to the original payment method.

Processing times depend on your bank or payment provider.

5.3. Limitations and Abuse Prevention

To protect the fairness and integrity of the refund policy, we may decline refund requests if:

  • your account shows signs of misuse, abuse, or repeated refund patterns,
  • you have created multiple accounts to repeatedly claim refunds,
  • we detect fraudulent or suspicious activity related to the purchase.

We reserve the right to refuse refunds in these cases at our sole discretion.

5.4. Post-Refund Access

When a refund is issued:

  • access to the corresponding research and reports will be revoked,
  • the refunded purchase will be considered void.

This refund policy does not limit any rights you may have under applicable consumer protection laws.

6. Acceptable Use

By using the Service, you agree to comply with the following acceptable use rules.

You must not use the Service for any purpose that is unlawful, harmful, abusive, or inconsistent with these Terms.

6.1. Prohibited Content

You must not upload, submit, or provide to the Service:

  • personal data of third parties (including names, emails, or identifiable user information),
  • confidential or proprietary information you do not have the right to use,
  • content that violates any law or regulation,
  • malicious code, scripts, or files intended to disrupt or interfere with the Service.

BHAG AI is designed for processing abstract ideas and product descriptions, not personal data.

6.2. Prohibited Activities

You must not:

  • use the Service to conduct or support illegal activities,
  • attempt to circumvent usage limits, purchase limits, refund policies, or account restrictions,
  • reverse engineer, modify, or interfere with the Service or its infrastructure,
  • access the Service using automated scripts, bots, or scraping tools,
  • attempt to gain unauthorized access to any systems or accounts,
  • upload inputs that intentionally aim to exploit, damage, or mislead the AI models.

6.3. Misuse of Generated Results

You must not use the Service outputs to:

  • claim they represent real user data, surveys, or live market research,
  • mislead customers, investors, or partners by representing AI-generated insights as verified facts,
  • create or distribute harmful, deceptive, or discriminatory content,
  • make high-stakes decisions (investment, financial, legal, or compliance) without independent verification.

BHAG AI provides exploratory analysis, not factual predictions.

6.4. Compliance With Paddle’s Acceptable Use Policy

Because all purchases are processed by Paddle, you agree that you will not use the Service for any purpose prohibited by Paddle’s ecosystem, including:

  • harmful, fraudulent, or abusive practices,
  • prohibited business activities under Paddle AUP,
  • attempts to resell, sublicense, or redistribute the Service or reports.

If we or Paddle determine that your use violates applicable policies, your access may be suspended or terminated.

6.5. Enforcement

We reserve the right to:

  • suspend or terminate accounts violating these rules,
  • block harmful inputs or activity,
  • revoke access to previously generated results in cases of abuse,
  • report illegal activity to appropriate authorities if required.

We will provide notice where reasonably possible unless prohibited by law or required to prevent harm.

7. User Content and Data

7.1. User Content

“User Content” refers to any text or information you submit to the Service, including:

  • descriptions of ideas, products, or hypotheses,
  • context about your project or target audience,
  • optional role or expectation inputs provided during onboarding.

You agree that:

  • you retain ownership of your User Content,
  • you are solely responsible for the legality and accuracy of your User Content,
  • you will not submit personal data of third parties.

BHAG AI is not designed to process or store personal data of identifiable individuals.

7.2. License to Process User Content

To provide the Service, you grant us a limited, worldwide, non-exclusive license to:

  • use, process, and analyze your User Content,
  • generate AI-based results and reports,
  • store your User Content temporarily as needed for system functionality.

This license is solely for operating and improving the Service.

We do not claim ownership of your User Content.

7.3. AI-Generated Results

The outputs generated by the Service (“Results”, “Reports”, “Discovery Reports”) are created automatically by AI models based on your inputs.

You receive a personal, non-exclusive, non-transferable license to use the Results for your internal business or personal purposes.

You may:

  • download, store, share, or use the Results freely within your organization.

You may not:

  • resell or redistribute the Service or Results as a competing product,
  • falsely claim the Results were produced by human experts or real subjects,
  • use the Results to mislead, defraud, or harm others.

7.4. No Personal Data of Third Parties

You must not provide inputs containing:

  • names, emails, phone numbers,
  • identifiable or sensitive personal information,
  • customer lists, HR data, or any regulated personal data.

If you upload such data in violation of these Terms:

  • we may delete the content,
  • restrict your account,
  • revoke access to the Service,
  • and decline refunds in cases of policy abuse.

We do not intentionally collect or process personal data of third parties.

7.5. Temporary Storage

User Content and generated Results may be temporarily stored for:

  • delivering reports,
  • ensuring service continuity,
  • debugging,
  • improving system performance and reliability.

We do not guarantee permanent availability of past reports (see Section 2.7).

7.6. Aggregated and Anonymized Data

We may use aggregated, anonymized usage data (that cannot identify you) to:

  • improve model performance,
  • analyze service usage patterns,
  • enhance infrastructure reliability,
  • develop new features.

We do not use your idea descriptions as training data for external AI providers.

7.7. Responsibility for Backups

BHAG AI does not guarantee indefinite access to generated Results.

You are responsible for saving copies of any reports or outputs you wish to retain.

8. Service Availability and Modifications

8.1. Availability

We aim to provide a reliable and uninterrupted Service, but we do not guarantee continuous availability.

The Service may be temporarily unavailable due to:

  • maintenance or updates,
  • unexpected outages,
  • network or infrastructure issues,
  • circumstances outside our reasonable control.

You acknowledge that downtime may occur and does not constitute a breach of these Terms.

8.2. Maintenance and Updates

We may perform scheduled or unscheduled maintenance to:

  • update infrastructure,
  • improve performance,
  • apply security patches,
  • release new features.

We will make reasonable efforts to minimize disruption, but availability may be affected.

8.3. Modifications to the Service

We may modify, enhance, or update the Service at any time, including:

  • adding or removing features,
  • changing the user interface,
  • adjusting pricing for new purchases,
  • improving AI modeling or processing logic.

Such changes are typically introduced to improve functionality and user experience.

If a change materially reduces core functionality, we will provide reasonable notice.

8.4. No Liability for Availability Issues

We are not liable for:

  • loss of access during outages, maintenance, or modifications,
  • delays or interruptions in delivery of reports,
  • loss of data caused by external providers, network issues, or factors outside our control.

Your sole remedy for persistent unavailability is to request a refund under Section 5, where applicable.

8.5. External Dependencies

Parts of the Service rely on third-party providers, including:

  • AI model providers,
  • hosting and infrastructure services,
  • payment processing (Paddle).

We are not responsible for outages, rate limits, model behavior, or service changes imposed by these providers.

9. Disclaimers and Limitation of Liability

9.1. No Warranty

The Service, including all AI-generated outputs, reports, insights, and recommendations, is provided “as is” and “as available” without warranties of any kind, whether express or implied.

We do not guarantee that:

  • the Results will be accurate, reliable, or suitable for any specific purpose,
  • the Service will be uninterrupted or error-free,
  • the modeling or AI outputs will reflect real market behavior,
  • the Service will meet your expectations or produce desired outcomes.

You acknowledge that AI-generated content may contain inaccuracies, omissions, or inconsistencies.

9.2. No Professional Advice

Any information or insights generated by the Service:

  • do not constitute business, financial, legal, marketing, or professional advice,
  • should not be used as the sole basis for making business decisions.

You are solely responsible for how you interpret and use the Results.

9.3. Limitation of Liability

To the maximum extent permitted by applicable law, our total aggregate liability for any claim arising out of or relating to the Service, these Terms, or your use of the Service shall not exceed the amount you paid to us through Paddle in the twelve (12) months preceding the claim.

If you used the Service without purchasing (e.g., free access), our liability is limited to USD $0.

9.4. Exclusion of Damages

To the fullest extent permitted by law, we are not liable for any:

  • indirect, incidental, consequential, or special damages,
  • loss of profits, revenue, business opportunities, or data,
  • reputational harm, or expected business outcomes,
  • decisions made or actions taken based on AI-generated insights.

This applies even if we have been advised of the possibility of such damages.

9.5. Exceptions

These limitations do not apply where prohibited by applicable law.

Nothing in these Terms excludes liability for:

  • fraud or fraudulent misrepresentation,
  • intentional misconduct,
  • any liability that cannot legally be excluded.

9.6. Third-Party Services

We are not responsible for:

  • outages, limitations, or behavior of AI model providers,
  • hosting or infrastructure failures,
  • payment processing issues handled by Paddle,
  • any third-party integrations or external systems you use with BHAG AI.

Your use of third-party services is governed by their respective terms.

10. Termination

10.1. Termination by You

You may stop using the Service at any time by canceling your subscription or closing your account.

  • Subscription cancellations take effect at the end of the current billing period (handled by Paddle).
  • Deleting your account permanently removes your User Content and access to all reports.
  • Unused credits are non-refundable (see Section 5).

10.2. Termination by Us

We may suspend or terminate your access to the Service, with or without notice, if:

  • you violate these Terms,
  • your use poses security, legal, or operational risks,
  • fraudulent or abusive behavior is detected,
  • required by law, regulation, court order, or industry compliance obligations,
  • we discontinue the Service (with reasonable notice).

Suspension does not entitle you to a refund unless required by law.

10.3. Effect of Termination

Upon termination for any reason:

  • your access to the Service and all associated features will stop immediately,
  • User Content and generated Results may be deleted in accordance with our data retention policy,
  • you are responsible for downloading any reports you wish to keep before termination,
  • unused credits (monthly or extra) are forfeited and non-refundable,
  • workspace members (if applicable in the future) lose access immediately.

We are not liable for any loss of data resulting from termination.

10.4. Survival

The following sections continue to apply after termination:

  • Section 7 (User Content and Data) — for ownership and licenses already granted
  • Section 8 (Service Availability and Modifications)
  • Section 9 (Disclaimers and Limitation of Liability)
  • Section 11 (Governing Law)
  • Section 12 (Contact Information)
  • Any other terms which by nature must continue to operate after termination

11. Governing Law and Dispute Resolution

11.1. Governing Law

These Terms and any dispute or claim arising out of or relating to them, the Service, or your use of the Service shall be governed by and construed in accordance with the laws of England and Wales, without regard to conflict of law principles.

11.2. Jurisdiction

You and we agree that the courts of England and Wales shall have exclusive jurisdiction over any dispute or claim arising from or related to these Terms or the Service.

11.3. Informal Dispute Resolution

Before initiating formal legal action, you agree to first contact us at support@bhag.ai and attempt to resolve the dispute informally.

We will make reasonable efforts to resolve disputes within 30 days.

11.4. International Use

The Service is accessible globally.

You are responsible for ensuring that your use of the Service complies with all applicable local laws and regulations in your jurisdiction.

12. Contact Information

If you have any questions about these Terms, the Service, or your account, you may contact us at:

individual entrepreneur Aleksei Stepankov

Email: support@bhag.ai Website: https://bhag.ai

For payment-related inquiries (including invoices, taxes, and refunds processed after approval), please contact Paddle, our Merchant of Record, using the link provided in your receipt.