Terms of Service
Effective Date: [Oct 20, 2025]
Welcome to Wibu! These Terms of Service ("Terms") govern your use of our website, mobile applications, and services (collectively, the "Services") provided by GEN A LIMITED ("Company," "we," "us," or "our"). By accessing or using our Services, you agree to be bound by these Terms. If you do not agree to these Terms, do not use our Services.
1. Acceptance of Terms
By creating an account, accessing, or using the Services, you acknowledge that you have read, understood, and agree to be bound by these Terms and our Privacy Policy. If you are using the Services on behalf of an organization, you represent that you have the authority to bind that organization to these Terms.
2. Description of Services
Wibu provides AI-powered content generation and character interaction services, allowing users to:
Create and interact with AI characters
Generate AI-powered content
Share and monetize created content
Purchase credits and subscription packages to access premium features
2.1. Account Registration
You must be at least 18 years old to use our Services. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.
2.2. AI-Generated Content
All AI-generated content is fictional and created for entertainment purposes. Content may be generated by users, AI systems, or a combination of both.
2.3. Content Ownership and Licensing
You retain ownership of the original content you create
By uploading or creating content, you grant us a worldwide, non-exclusive, royalty-free license to use, reproduce, modify, and distribute your content
AI-generated content based on your inputs may be subject to shared rights between you and the Company
2.4. User Responsibility for Content
You are solely responsible for all content you create, generate, or publish using our Services
You must ensure that your content does not infringe upon any third-party intellectual property rights, including copyrights, trademarks, or patents
You agree to indemnify and hold harmless GEN A LIMITED from any claims arising from content you create or generate
We reserve the right to remove any content that violates these Terms or infringes upon third-party rights without prior notice
When AI content is generated, you are responsible for downloading or keeping it. GEN A LIMITED will not be responsible for any loss or deletion under any circumstances
2.5. Copyright and DMCA Compliance
We respect intellectual property rights and will respond to valid copyright infringement claims
If notified of potential copyright infringement, we may remove the allegedly infringing content, characters, or other materials
Repeat infringers may have their accounts suspended or terminated
To report copyright infringement, contact us at: support@wibu.ai with detailed information about the alleged infringement
2.6. Content Disclaimer
ALL CONTENT ON THE PLATFORM IS FICTIONAL AND GENERATED BY USERS OR AI SYSTEMS. Any resemblance to real persons, living or dead, or actual events is purely coincidental.
3. Privacy and Data Security
3.1. Privacy Policy
Your use of the Services is subject to our Privacy Policy, which explains how we collect, use, and protect your personal information. By using the Services, you agree to the terms of our Privacy Policy.
3.2. Data Security
We use industry-standard security measures to protect your data. However, no system is completely secure, and we cannot guarantee the absolute security of your information. You are responsible for maintaining the security of your account credentials.
3.3. Financial Data
Transaction data may be shared with regulators or financial institutions to comply with Anti-Money Laundering (AML) laws and regulations.
4. Prohibited Activities
You agree not to engage in any of the following activities while using the Services:
Illegal Activities: Using the Services for any illegal or unauthorized purpose
Copyright Infringement: Creating, uploading, or distributing content that infringes upon third-party intellectual property rights
Harassment: Harassing, bullying, or threatening other users or AI characters
Impersonation: Impersonating any person or entity, or misrepresenting your affiliation
Data Mining: Using data mining, robots, or similar data gathering methods
Security Violations: Attempting unauthorized access to the Services or related systems
Financial Crimes: Engaging in money laundering, tax evasion, or illegal transactions
Fraudulent Activity: Artificially inflating credit transactions or engaging in coordinated schemes
5. Purchases, Subscriptions, and Financial Terms
5.1. Subscription Packages
Subscription packages are non-refundable once purchased
Subscriptions automatically renew unless cancelled before the renewal date
You may cancel your subscription at any time, but it will remain active until the end of the current billing period
No partial refunds will be issued for unused subscription time
Downgrading or upgrading subscriptions will take effect at the next billing cycle
5.2. Credits Purchases
Credits purchased within the Services are final and non-refundable
Credits are digital content delivered immediately upon purchase
Credits have no cash value outside the Services and cannot be resold, exchanged, or transferred between users, except for tipping content creators
Unused credits do not expire but cannot be redeemed for cash
5.3. Refund Policy
ALL PURCHASES (SUBSCRIPTIONS AND CREDITS) ARE FINAL AND NON-REFUNDABLE
Exception: Refunds may be provided only where required by applicable law
Technical issues preventing access to purchased services may be addressed through account credits at our discretion
Dissatisfaction with AI-generated content quality is not grounds for refund
5.4. Chargebacks and Disputes
Disputing charges or initiating chargebacks may result in immediate account suspension, termination, and forfeiture of all credits and subscription benefits
We reserve the right to pursue legal action for fraudulent chargebacks
5.5. Content Creator Cash-Outs
Content creators may convert credits received from users into monetary payments subject to:
Identity Verification: Valid government-issued ID and tax documentation
Compliance Checks: Transactions may be delayed or reported if suspicious activity is detected
Minimum Thresholds and Fees: Subject to minimum amounts and processing fees
5.6. Anti-Money Laundering (AML) Measures
Users agree not to use the Services for unlawful financial activities
We reserve the right to monitor, restrict, or report suspicious transactions
Accounts involved in suspicious activity may be suspended or terminated
6. Intellectual Property and Ownership
6.1. Platform Ownership
The Services, including all software, designs, and content created by us, are owned by GEN A LIMITED and protected by intellectual property laws.
6.2. User-Generated Content Rights
You represent and warrant that you own or have the necessary rights to use any content you upload
You are responsible for obtaining all necessary permissions for content you create or upload
We do not claim ownership of your original user-generated content
6.3. AI-Generated Content Rights
Content generated using our AI tools may incorporate our proprietary technology and algorithms
You may use AI-generated content for personal and commercial purposes, subject to these Terms
We reserve the right to use aggregated and anonymized data to improve our Services
7. Termination
7.1. Termination by You
You may terminate your account at any time by contacting us at support@wibu.ai. Termination does not entitle you to any refunds for unused subscriptions or credits.
7.2. Termination by Us
We reserve the right to suspend or terminate your access to the Services at any time, with or without notice, for any reason, including violation of these Terms. Upon termination, you forfeit all unused credits and subscription benefits without refund.
8. Disclaimer of Warranties
THE SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT ANY WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT GUARANTEE THAT THE SERVICES WILL BE ERROR-FREE, UNINTERRUPTED, OR SECURE. YOU USE THE SERVICES AT YOUR OWN RISK.
9. Limitation of Liability
TO THE FULLEST EXTENT PERMITTED BY LAW, GEN A LIMITED SHALL NOT BE LIABLE FOR:
Any indirect, incidental, special, consequential, or exemplary damages
Loss of profits, goodwill, use, data, or other intangible losses
Damages arising from user misconduct, copyright infringement claims, or financial crimes
Content created or generated using our Services
10. Indemnification
You agree to indemnify, defend, and hold harmless GEN A LIMITED, its officers, directors, employees, and agents from any claims, damages, losses, liabilities, costs, and expenses arising from:
Your violation of these Terms
Your use of the Services
Content you create, upload, or generate
Any copyright or intellectual property infringement claims related to your content
Misuse of credits or violations of financial policies
11. Governing Law and Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of Hong Kong. Any disputes arising out of or in connection with these Terms shall be resolved exclusively by the courts of Hong Kong.
12. Changes to These Terms
We reserve the right to update or modify these Terms at any time. Material changes will be notified by posting the revised Terms on our Website. Your continued use of the Services after any changes constitutes acceptance of the revised Terms.
13. Contact Information
If you have any questions about these Terms, please contact us at:
GEN A LIMITED SUITE C, LEVEL 7, WORLD TRUST TOWER 50 STANLEY STREET, CENTRAL, HONG KONG Email: support@wibu.ai
By using Wibu, you acknowledge that you have read, understood, and agree to be bound by these Terms of Service.
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