Terms and Conditions - TakeInterest

Effective date: January 7, 2026
Last updated: February 6, 2026

These Terms and Conditions ("Terms") are a legal agreement between you and TakeInterest, Inc., a Washington corporation ("TakeInterest," "we," "us," or "our"), also doing business as Take Interest and Take Interest AI.

These Terms govern your access to and use of our services on takeinterest.ai, app.takeinterest.ai, and api.takeinterest.ai, as well as our iOS application (collectively, the "Service"). By accessing or using the Service, you agree to these Terms. If you do not agree, do not use the Service.

## 1) Eligibility and acceptance

The Service is strictly for adults 18+; minors are not permitted to use it. We do not knowingly allow minors to use the Service. If you are under 18, do not use the Service. If you are using the Service on behalf of an organization, you represent that you have authority to bind that organization to these Terms.

## 2) Invite-only beta

The Service is an invite-only beta. Features may change, be modified, or be removed at any time. The Service may be unavailable or contain bugs or errors. We may suspend or revoke beta access at our discretion without liability.

During beta, data loss may occur. You should export important data regularly.

## 3) Accounts and security

You are responsible for maintaining the confidentiality of your account credentials and for all activity under your account. You agree to use a strong, unique password and enable available security features. Notify us promptly at security@takeinterest.ai if you suspect unauthorized access. We are not liable for losses caused by unauthorized access to your account where that exclusion is permitted by applicable law.

## 4) Acceptable use

You agree not to:
- Use the Service in a way that violates any law or regulation.
- Upload or transmit content that is unlawful, harmful, defamatory, or infringes others' rights.
- Attempt to access or interfere with systems or data not intended for you.
- Reverse engineer, decompile, scrape, or abuse the Service or its models.
- Use the Service to generate or distribute malware, phishing, spam, or other malicious content.
- Use automated means to access the Service except through our published API.
- Circumvent rate limits, usage quotas, or access controls.
- Resell, sublicense, or commercially exploit the Service without our written permission.
- Use the Service to develop competing products or services.

## 5) Your content

You retain ownership of content you submit to the Service ("User Content"). You grant us a non-exclusive, worldwide, royalty-free license to host, store, process, and display User Content only as needed to provide, secure, maintain, and support the Service features you request.

This license does not authorize us to use your User Content to train public models unless we separately disclose that use and obtain any required consent.

You represent that you have all necessary rights to submit User Content and that it does not violate any third party's rights. We may remove User Content that violates these Terms.

## 6) Beta feedback

If you provide feedback, suggestions, or ideas about the Service ("Feedback"), you grant us a perpetual, irrevocable, royalty-free license to use, modify, and incorporate that Feedback into the Service without any obligation to you. Feedback is not confidential.

## 7) AI features and outputs

The Service uses AI to generate responses based on your inputs. AI outputs may be inaccurate, incomplete, or inappropriate. Outputs are provided for informational purposes only and should not be relied upon without independent verification. You are solely responsible for how you use AI outputs.

We minimize data sent to AI providers to what is needed to fulfill your request (for example, limiting context size and using excerpts). See our Privacy Policy for details.

**The Service does not provide legal, medical, financial, tax, or other professional advice.** If you need professional advice, consult a qualified professional. We are not responsible for decisions made based on AI outputs.

## 8) API usage

If you access the Service via our API, you agree to:
- Comply with all published rate limits and usage quotas.
- Secure your API credentials and not share them with unauthorized parties.
- Not use the API in a way that degrades performance for other users.
- Include appropriate attribution if required by your subscription tier.

We may suspend API access for violations or excessive usage without prior notice.

## 9) Our intellectual property

We and our licensors retain all rights to the Service, including software, algorithms, models, designs, trademarks, and content we provide. These Terms do not grant you any rights to our trademarks or branding. You may not use our name, logos, or branding without our prior written consent.

## 10) Third-party services

The Service uses third-party providers including:
- Google Cloud Platform and Firebase (infrastructure and authentication)
- Google Vertex AI (AI model hosting)
- Stripe (payments, if enabled)
- Apple (iOS App Store distribution)

Your use of the Service may be subject to the terms and privacy policies of these third-party services. We are not responsible for third-party services.

## 11) Apple App Store terms

If you access the Service through our iOS application downloaded from the Apple App Store:
- These Terms are between you and TakeInterest, Inc., not Apple.
- Apple has no obligation to provide maintenance or support for the app.
- Apple is not responsible for any claims related to the app, including product liability, legal compliance, or intellectual property.
- Apple and its subsidiaries are third-party beneficiaries of these Terms and may enforce them against you.
- You represent that you are not located in a country subject to U.S. embargo or designated as a "terrorist supporting" country, and you are not on any U.S. government prohibited party list.

## 12) Fees, payments, and refunds

The beta is currently free. If we introduce paid features, we will publish pricing and refund terms before charging users and require acceptance of additional billing terms. Subscriptions may auto-renew unless canceled in accordance with the published billing terms and applicable platform rules.

## 13) Data retention and deletion

We retain User Content and account data as described in our Privacy Policy. You may request export or deletion of your data by contacting privacy@takeinterest.ai. Upon account deletion, we will delete or anonymize your data within 30 days, except as required for legal compliance, dispute resolution, or enforcement of these Terms.

Retention windows (details in the Privacy Policy):
- Logs and security metadata: up to 30 days.
- Backups: up to 30 days.
- Support communications: up to 24 months.
- Payments and entitlements: up to 7 years as required for billing and legal compliance.

## 14) International data transfers

The Service is operated from the United States. If you access the Service from outside the U.S., your data may be transferred to and processed in the U.S. or other countries. We rely on Standard Contractual Clauses and other approved mechanisms for international data transfers where required.

## 15) Export controls

You agree to comply with all applicable export control laws and regulations. You represent that you are not located in a country subject to U.S. embargo and are not on any U.S. government restricted party list.

## 16) Privacy

Our Privacy Policy explains how we collect, use, and share data, including what we do not collect (for example, payment card numbers, government IDs, biometrics, and raw AI prompts or outputs in production logs). By using the Service, you agree to the Privacy Policy located at takeinterest.ai/privacy. We respond to verified privacy requests within 30 days (or longer where permitted by law).

## 17) Copyright and DMCA

We respect intellectual property rights. If you believe content on the Service infringes your copyright, submit a notice to dmca@takeinterest.ai with:
- Your contact information
- Identification of the copyrighted work
- Identification of the infringing material and its location
- A statement of good faith belief that the use is not authorized
- A statement under penalty of perjury that your notice is accurate
- Your physical or electronic signature

We may remove allegedly infringing content and terminate accounts of repeat infringers.

## 18) Termination

You may stop using the Service and delete your account at any time through account settings or by contacting us. We may suspend or terminate access if you violate these Terms, pose a security risk, or for operational reasons. Upon termination:
- Your right to use the Service ends immediately.
- We may delete your data according to our retention policy.
- Sections 5, 6, 7, 9, 13, 15, 17, 19, 20, 21, 22, 23, 24, and 27 survive termination.

## 19) 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 IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, AND NON-INFRINGEMENT. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR SECURE. WE DO NOT WARRANT THE ACCURACY OR RELIABILITY OF AI OUTPUTS.

## 20) Limitation of liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, TAKEINTEREST AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS WILL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES, OR ANY LOSS OF PROFITS, DATA, USE, OR GOODWILL, ARISING OUT OF OR RELATED TO YOUR USE OF THE SERVICE, REGARDLESS OF THE THEORY OF LIABILITY.

OUR TOTAL LIABILITY FOR ALL CLAIMS RELATED TO THE SERVICE WILL NOT EXCEED THE GREATER OF (A) THE AMOUNTS YOU PAID US IN THE 12 MONTHS BEFORE THE CLAIM, OR (B) $100 USD.

Nothing in these Terms excludes or limits liability that cannot be excluded or limited under applicable law.

## 21) Indemnification

If you are using the Service for business or API/commercial use, you agree to indemnify, defend, and hold harmless TakeInterest and its affiliates, officers, directors, employees, and agents from any claims, losses, liabilities, damages, costs, and expenses (including reasonable attorneys' fees) arising from:
- Your use of the Service
- Your User Content
- Your violation of these Terms
- Your violation of any third party's rights

For consumer users, this section applies only to the extent permitted by applicable law.

## 22) Dispute resolution and arbitration

**Please read this section carefully. It affects your legal rights.**

Any dispute arising from these Terms or the Service will be resolved through binding arbitration administered by JAMS under its Streamlined Arbitration Rules, except that you may bring claims in small claims court if eligible.

**Class action waiver:** You agree to resolve disputes individually and waive any right to participate in class actions, class arbitrations, or representative actions.

**Opt-out:** You may opt out of arbitration by sending written notice to legal@takeinterest.ai within 30 days of first using the Service. If you opt out, disputes will be resolved in court as described below.

The arbitration will take place in King County, Washington or another mutually agreed location. The arbitrator's decision will be final and binding.

For claims under $10,000 USD, TakeInterest will pay JAMS filing and arbitration fees to the extent required by applicable consumer-protection law.

If the class action waiver is found unenforceable, the remainder of this arbitration section remains in effect to the maximum extent allowed by law.

This section does not apply where mandatory arbitration or class action waivers are prohibited by law, including for consumers in the EU and UK.

## 23) Governing law and venue

These Terms are governed by the laws of the State of Washington, without regard to conflict of law principles. If arbitration does not apply, you agree that any dispute will be brought exclusively in the state or federal courts located in King County, Washington, and you consent to personal jurisdiction in those courts.

For consumers in jurisdictions with mandatory local consumer rights (including parts of the EU/UK), mandatory local law protections still apply.

## 24) Changes to these Terms

We may update these Terms from time to time. If we make material changes, we will provide at least 30 days' notice by email or through the Service. Continued use of the Service after the effective date constitutes acceptance of the updated Terms. If you do not agree to the changes, you must stop using the Service.

## 25) Electronic communications

By using the Service, you consent to receive electronic communications from us, including emails, push notifications, and in-app messages. Marketing communications are opt-in only and can be managed in the in-app preference center or via the unsubscribe link in our emails. You agree that these communications satisfy any legal requirement for written notices.

## 26) General provisions

**Entire agreement:** These Terms, together with our Privacy Policy, constitute the entire agreement between you and TakeInterest regarding the Service.

**Severability:** If any provision of these Terms is found unenforceable, the remaining provisions will continue in effect.

**No waiver:** Our failure to enforce any provision does not waive our right to enforce it later.

**Assignment:** You may not assign or transfer these Terms without our consent. We may assign these Terms as part of a merger, acquisition, corporate reorganization, or asset sale. Where required by law, we will provide advance notice of assignment.

**Force majeure:** We are not liable for delays or failures caused by events beyond our reasonable control, including natural disasters, war, terrorism, labor disputes, government actions, utility outages, or major internet disruptions.

**Headings:** Section headings are for convenience only and have no legal effect.

## 27) Accessibility

We are committed to making the Service accessible to users with disabilities. If you experience accessibility issues, please contact accessibility@takeinterest.ai. We will make reasonable efforts to address accessibility concerns.

## 28) Contact

Questions about these Terms can be sent to:
- General inquiries: support@takeinterest.ai
- Legal matters: legal@takeinterest.ai
- Privacy concerns: privacy@takeinterest.ai
- Security issues: security@takeinterest.ai
- Accessibility: accessibility@takeinterest.ai

TakeInterest, Inc.
Seattle, WA

If you have questions about these terms, contact legal@takeinterest.ai.