Terms of Service

1. Agreement

These Terms of Service (“Terms”) are a binding agreement between you and OpenChat-1 (“we”, “us”, “the Service”) for use of openchat.one, related apps, APIs, datasets, agents, and prepaid credits.

By creating an account, buying credits, calling the API, or otherwise using the Service, you agree to these Terms and to our Privacy Policy. If you do not agree, do not use the Service.

If you use the Service for an organization, you represent that you have authority to bind that organization.

2. The Service — plain description

OpenChat-1 provides, among other things:

• Multi-model chat and agent tooling grounded in multi-sector data
• Search, sectors, map, and analytics panel views
• A Data API and downloads for curated packages (plan-dependent)
• Prepaid token credits and optional subscriptions
• Optional user-supplied API keys (BYOK) and user-built agent graphs

Features may be experimental, rate-limited, or unavailable. We may change, suspend, or discontinue features with or without notice, especially during early access.

3. Eligibility

• You must be at least 16 years old (or older if your country requires).
• You must provide accurate registration information.
• You must not use the Service if you are legally barred from receiving it (including applicable export/sanctions rules).

4. Accounts and security

• You are responsible for your password, API keys, and account activity.
• Notify us promptly of unauthorized access.
• We may suspend accounts for abuse, non-payment, legal risk, or security incidents.
• One human = one free-tier signup. Circumventing captcha, free-prompt limits, or rate limits is a material breach.

5. Credits, pricing, and payments

• Credits and subscription prices are shown in-product (e.g. /pricing) and may change prospectively.
• Free prompts / trial credits (if any) are limited, may require captcha, and can be revoked for abuse.
• Prepaid credits are generally non-refundable once purchased, except where mandatory consumer law says otherwise, or where we cancel the Service permanently without a reasonable substitute and choose to issue a pro‑rata goodwill refund.
• Card payments are processed by Stripe. Crypto payments (e.g. USDC on Solana) are irreversible once confirmed on-chain; wrong addresses and network mistakes are your risk.
• Taxes may apply. You are responsible for taxes that we do not collect.
• We may debit credits for model usage, tools, demo pipelines, and other metered features as described in the product UI.

6. Acceptable use

You agree not to:

• Break the law, traffic illegal content, or assist serious crime
• Probe, scan, or attack the Service, lake bridge, tunnels, or other users’ accounts
• Bypass authentication, credits, captcha, or technical limits
• Resell raw access to the Service in a way that undermines our pricing without a written agreement
• Use the Service to build competing dataset piracy pipelines that simply mirror our curated packages in violation of upstream licenses
• Upload malware, or use agents/tools to spam, phish, or harass
• Misrepresent AI output as professional legal, medical, or financial advice
• Violate third-party terms of data sources or model providers when using BYOK or connectors

We may investigate and remove access, content, or keys when we reasonably believe these rules were violated.

7. AI output — no advice, no guarantee

Model outputs can be wrong, incomplete, biased, or outdated— even when tools attach real dataset snippets. You must verify critical facts yourself.

• Nothing on the Service is investment, trading, legal, tax, or medical advice.
• “Trading bots,” demos, and strategies are experimental software, not managed investment products.
• You are solely responsible for decisions made using outputs.

8. Datasets, licenses, and intellectual property

• Our IP: the product UI, software, documentation, branding, and original packaging remain ours (or our licensors’). These Terms grant a limited, revocable, non-exclusive right to use the Service as offered.
• Upstream data: many packages originate from third parties (exchanges, government open data, satellite programs, etc.). Their licenses, attribution, and redistribution rules still apply. You must not remove required attribution or use data beyond those licenses.
• Your content: you retain rights to prompts and materials you submit. You grant us a worldwide license to process them solely to operate the Service (including sending them to model providers you use).
• Feedback: if you send suggestions, we may use them without obligation to you.

We do not claim that every row is error-free, complete, or fit for regulatory filing, life-safety, or high-frequency trading.

9. API, rate limits, and fair use

• API access requires a valid key and an eligible plan or credits.
• Rate limits, quotas, and max download sizes may apply and may change.
• Automated bulk extraction that degrades the Service for others may be throttled or blocked.

10. Third-party services

The Service depends on third parties (hosting, databases, Stripe, blockchains, OpenRouter, xAI, Replicate, data publishers, Cloudflare, etc.). Their outages, policy changes, or fee changes can affect you. Your use of third-party services is also subject to their terms.

11. Confidentiality of keys and the lake bridge

Server secrets (including lake-bridge keys, if any) are confidential. You must not attempt to extract them, share them, or route unauthorized traffic through private tunnels. BYOK keys you store are your responsibility to rotate if leaked.

12. Disclaimers

THE SERVICE IS PROVIDED “AS IS” AND “AS AVAILABLE.” TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE DISCLAIM ALL WARRANTIES, EXPRESS OR IMPLIED, INCLUDING MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE, AND NON-INFRINGEMENT. WE DO NOT WARRANT UNINTERRUPTED OR ERROR-FREE OPERATION, OR THAT DATA IS ACCURATE OR COMPLETE.

13. Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, WE AND OUR SUPPLIERS WILL NOT BE LIABLE FOR INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES, OR FOR LOST PROFITS, LOST DATA, TRADING LOSSES, OR BUSINESS INTERRUPTION, EVEN IF ADVISED OF THE POSSIBILITY.

OUR TOTAL LIABILITY FOR ALL CLAIMS RELATING TO THE SERVICE IN ANY TWELVE-MONTH PERIOD IS LIMITED TO THE GREATER OF (A) THE AMOUNTS YOU PAID US FOR THE SERVICE IN THAT PERIOD, OR (B) USD $50.

Some jurisdictions do not allow certain limitations; in those places, our liability is limited to the fullest extent allowed.

14. Indemnity

You will defend and indemnify us against claims arising from your misuse of the Service, your prompts/content, your violation of these Terms or of law, your trading or business decisions, or your infringement of third-party rights (including upstream data licenses).

15. Suspension and termination

• You may stop using the Service at any time.
• We may suspend or terminate access immediately for breach, risk, or legal necessity.
• Sections that by nature should survive (IP, disclaimers, liability limits, indemnity, governing law) survive termination.
• Unused credits may be forfeited on termination for cause; we may also expire idle credits after a published inactivity period.

16. Changes to the Terms

We may update these Terms by posting a new version with a new “Last updated” date. Material changes take effect when posted or on a later date we specify. Continued use means acceptance. If you disagree, stop using the Service and contact us about account closure.

17. Governing law and disputes

These Terms are governed by the laws applicable to the operator’s principal place of business, without regard to conflict-of-law rules, except where mandatory consumer protections in your country cannot be waived.

Before filing a claim, email legal@openchat.one and allow 30 days for good-faith resolution. If unresolved, disputes will be brought in the courts of that principal place of business, unless mandatory law gives you the right to sue elsewhere.

Not legal advice: this document is a strong operational contract for an early product. For high-stakes enterprise deals, request a signed order form or MSA.

18. Miscellaneous

• If any provision is unenforceable, the rest remains in effect.
• Our failure to enforce a provision is not a waiver.
• You may not assign these Terms without our consent; we may assign them in a merger or sale of the Service.
• These Terms plus the Privacy Policy and any plan-specific pricing pages are the entire agreement for the Service (unless a separate written contract says otherwise).
• English is the controlling language if translations differ.

19. Contact

Legal notices: legal@openchat.one
Support: support@openchat.one