Terms of Service

Effective Date: April 1, 2026
Last Updated: April 1, 2026

1. Introduction

These Terms of Service ("Terms") govern your access to and use of the MF0 (mf-lab) platform ("Service", "we", "us", or "our").

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.

2. Description of the Service

MF0 is a software platform that provides:

Access to multiple AI language models via a unified interface
Conversation management (dialogs, themes, structured workflows)
A persistent memory system ("Memory Graph")
Usage analytics and cost estimation tools
File and media handling within conversations
Optional authentication and third-party integrations

The Service may route requests to third-party AI providers through a server-side proxy and may store data locally or on configured databases.

3. Eligibility and Accounts

You must be at least 13 years old (or the minimum legal age in your jurisdiction).
If you are under 18, you must have permission from a parent or legal guardian.

You agree to:

Provide accurate and complete information
Maintain the confidentiality of your account credentials
Be responsible for all activity under your account

We may suspend or terminate accounts that violate these Terms.

4. Acceptable Use

You agree to use the Service only in compliance with applicable laws and these Terms.

You must not:

Use the Service for unlawful, harmful, or abusive activities
Attempt to reverse engineer, decompile, or extract underlying models or systems
Interfere with or disrupt the Service or its infrastructure
Bypass rate limits, security measures, or usage controls
Use outputs to develop competing AI systems
Perform automated data extraction at scale without permission

5. Content

5.1 User Content

You may submit input ("Input") and receive output ("Output"). Together, these are "Content".

You are solely responsible for:

The legality of your Content
Ensuring you have rights to submit Input

5.2 Ownership

You retain ownership of your Input
You own Output generated for you, to the extent permitted by law

However:

Output may not be unique
Similar or identical outputs may be generated for other users

5.3 Our Use of Content

We may use Content to:

Provide and operate the Service
Improve features and system performance
Ensure safety, security, and compliance

6. AI Limitations and Disclaimer

The Service uses artificial intelligence systems that:

May produce inaccurate, incomplete, or misleading outputs
Do not represent factual or professional advice
Should not be relied upon for critical decisions (e.g., legal, medical, financial)

You are responsible for verifying outputs before use.

7. Third-Party Services

The Service may integrate with or rely on third-party providers.

We are not responsible for:

Third-party services or APIs
Their availability, accuracy, or policies

Your use of such services may be subject to their own terms.

8. Fees and Payments

Some features may require payment.

You agree to provide valid payment information
Fees may be billed on a recurring or usage basis
All payments are non-refundable unless required by law

We may change pricing with reasonable notice.

9. Termination

You may stop using the Service at any time.

We may suspend or terminate your access if:

You violate these Terms
Required by law
Your use poses risk or harm

We may also terminate inactive accounts after extended periods.

10. Intellectual Property

All rights in the Service (excluding user Content) are owned by us or our licensors.

You may not:

Copy, distribute, or modify the Service
Use our branding without permission

11. Disclaimer of Warranties

The Service is provided "as is" and "as available".

We do not guarantee that:

The Service will be uninterrupted or error-free
Outputs will be accurate or reliable
Data will be secure or preserved

12. Limitation of Liability

To the maximum extent permitted by law:

We are not liable for indirect, incidental, or consequential damages
Our total liability will not exceed the greater of:
- Amount paid by you in the last 12 months
- $100 USD

13. Indemnification

If you use the Service on behalf of a business or organization, you agree to indemnify and hold us harmless from claims arising from:

Your use of the Service
Your Content
Your violation of these Terms

14. Changes to the Terms

We may update these Terms from time to time.

If changes are material, we will provide notice. Continued use of the Service means you accept the updated Terms.

15. Governing Law

These Terms are governed by the laws of Cyprus, unless otherwise required by applicable law.

16. Contact

For questions about these Terms, contact:

info@mf0.ai