# Terms of Service

Last Updated: Feb 28, 2025

Welcome to Wibu.ai!

These Terms of Service ("Terms") govern your access to and use of the Wibu.ai mobile and web applications, including https://wibu.ai (the "Apps" or the "Website"), and other related services (collectively, the "Services"). The Services are owned and operated by GEN A LIMITED, a company duly incorporated in Hong Kong, with its registered address at SUITE C, LEVEL 7, WORLD TRUST TOWER, 50 STANLEY STREET, CENTRAL, HONG KONG.

By accessing or using the Services, you agree to be bound by these Terms. If you do not agree to these Terms, please do not use the Services. These Terms apply to all users of the Services, including those who log in via Google, Apple, or other log in methods.

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1. **Use of the Services**

1.1. Account Registration To access certain features of the Services, you may need to create an account. You can log in using Google, Apple. By creating an account, you agree to provide accurate and complete information. You are responsible for maintaining the confidentiality of your account credentials and for all activities that occur under your account.

1.2. Age Restrictions The Services are not intended for individuals under the age of 13. If you are under 13, you are not authorized to use the Services. If we discover that a minor under 13 has created an account, we will promptly block their access and delete their account.

1.3. User Conduct You agree to use the Services only for lawful purposes and in accordance with these Terms. You are solely responsible for all content you submit to the Services, including text, images, and other data. You agree not to:

* Submit content that infringes any intellectual property or other proprietary rights of any party.
* Submit content that is unlawful, harmful, threatening, abusive, harassing, defamatory, or otherwise objectionable.
* Use the Services to engage in any illegal or unauthorized activity.
* Attempt to gain unauthorized access to the Services or any related systems or networks.
* Reverse engineer, decompile, or disassemble any part of the Services.
* Use of credits for unauthorized financial activities.
* Transferring credits outside approved tipping mechanisms

1.4. AI-Generated Content The Services use artificial intelligence ("AI") to generate content based on your interactions. You understand and agree that all content generated by the AI is fictional and should not be taken as real or factual. You are solely responsible for your interactions with the AI and any content generated as a result.

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2. **Intellectual Property Rights**

2.1. Ownership of Content You retain ownership of any content you submit to the Services ("User Content"). However, by submitting User Content, you grant GEN A LIMITED a worldwide, royalty-free, non-exclusive, perpetual, irrevocable license to use, reproduce, modify, adapt, publish, translate, distribute, and display your User Content in connection with the Services.

2.2. Ownership of AI-Generated Content Your content generated by the AI ("AI-Generated Content") is owned by you. You grant GEN A LIMITED is granted a limited, a worldwide, royalty-free, non-exclusive, perpetual, irrevocable license to use, reproduce, modify, adapt, publish, translate, distribute, and display your AI-Generated Content for advertising purposes

2.3. Prohibited Use You may not use the Services or any content generated by the Services for commercial purposes without the express written consent of GEN A LIMITED. You may not reproduce, distribute, or create derivative works based on the Services or any content generated by the Services without prior authorization.

2.4. 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.

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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**: Added disclosure that transaction data may be shared with regulators or financial institutions to comply with AML laws.

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4. **Prohibited Activities**

You agree not to engage in any of the following activities while using the Services:

* Illegal Activities: You may not use the Services for any illegal or unauthorized purpose.
* Harassment: You may not harass, bully, or threaten other users or the AI.
* Impersonation: You may not impersonate any person or entity, or misrepresent your affiliation with any person or entity.
* Data Mining: You may not use any data mining, robots, or similar data gathering or extraction methods.
* Security Violations: You may not attempt to gain unauthorized access to the Services or any related systems or networks.
* **Financial Crimes**: Engaging in money laundering, tax evasion, or illegal transactions via the Services.
* **Fraudulent Tipping**: Artificially inflating credit transactions (e.g., self-tipping, coordinated schemes).

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#### **5. Purchases, Credits, and Financial Terms**

**5.1. Credits Purchases**

* Credits purchased within the Services are **final and non-refundable**, except as required by applicable law. By purchasing credits, you acknowledge that they are digital content delivered immediately upon purchase, and you forfeit any right to a refund once credits are spent on Services (e.g., chatting with AI, generating content).
* Credits have no cash value outside the Services and cannot be resold, exchanged, or transferred between users, except as explicitly permitted for tipping content creators.

**5.2. Credit Usage**

* Credits consumed through Services (e.g., tipping AI characters, generating content) are deemed fully utilized, and no refunds will be issued for such transactions.
* Unused credits may not be redeemed for cash

**5.3. Chargebacks and Disputes**

* Disputing charges or initiating chargebacks for token purchases may result in immediate account suspension, termination, and forfeiture of all credits.

**5.4. Content Creator Cash-Outs**

* Content creators may convert credits received from users into monetary payments ("Cash-Outs") subject to:
  * **Identity Verification**: Submission of valid government-issued ID, tax forms, and other KYC documentation.
  * **Compliance Checks**: Transactions may be delayed, withheld, or reported to authorities if suspicious activity (e.g., money laundering, fraud) is suspected.
  * **Minimum Thresholds and Fees**: Cash-outs may require minimum token amounts and are subject to processing fees.

**5.5. Anti-Money Laundering (AML) Measures**

* Users and creators agree not to use the Services for unlawful financial activities, including money laundering, terrorist financing, or structuring transactions to evade reporting.
* GEN A LIMITED reserves the right to monitor, restrict, or report transactions and to suspend accounts involved in suspicious activity.

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6. **Termination**

6.1. Termination by You You may terminate your account at any time by contacting us at support@wibu.ai.

6.2. 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 if we believe you have violated these Terms.

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7. **Disclaimer of Warranties**

The Services are provided "as is" and "as available" without any warranties of any kind, either express or implied. GEN A LIMITED does not guarantee that the Services will be error-free, uninterrupted, or secure. You use the Services at your own risk.

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8. **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, including but not limited to damages for loss of profits, goodwill, use, data, or other intangible losses, resulting from your use of the Services, arising from user misconduct (e.g., refund disputes, financial crimes).

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9. **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.

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10. **Changes to These Terms**

We reserve the right to update or modify these Terms at any time. If we make material changes, we will notify you by posting the revised Terms on our Website. Your continued use of the Services after any changes constitutes your acceptance of the revised Terms.

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**11. Indemnification**

* Users agree to indemnify GEN A LIMITED against claims arising from misuse of credits or violations of financial policies.

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**12. Modifications to Financial Terms**

* GEN A LIMITED reserves the right to adjust token pricing, Cash-Out rules, or AML measures at any time.

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13. **Contact us**

If you have any questions about these Terms, please contact us at support@wibu.ai.

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GEN A LIMITED\
SUITE C, LEVEL 7, WORLD TRUST TOWER, 50 STANLEY STREET, CENTRAL, HONG KONG
