Terms of Service
Last updated: August 2025
Service Information
Service Name: BudgChat
Business Type: Digital SaaS Platform
Service Type: AI-powered chat and conversation platform
Contact Email: support@budgchat.com
1. Acceptance of Terms
By accessing and using BudgChat ("Service"), you accept and agree to be bound by the terms and provision of this agreement. If you do not agree to abide by the above, please do not use this service.
These Terms of Service ("Terms") govern your use of our AI chat service operated by BudgChat, a digital SaaS platform ("us", "we", or "our").
2. Description of Service
BudgChat is an AI-powered chat service that provides access to various language models including GPT-5, GPT-4.1, GPT-4o, and their variants. The service operates on a token-based pricing model where users are charged based on their actual usage.
Service Features Include:
- AI chat conversations with multiple model options
- Real-time token usage tracking
- Chat history management
3. User Accounts and Registration
To use our Service, you must register for an account. You agree to provide accurate, current, and complete information during registration and to update such information to keep it accurate, current, and complete.
Account Security: You are responsible for safeguarding your account credentials and for all activities under your account.
Age Requirement: You must be at least 13 years old to use this service. Users under 18 require parental consent.
Account Termination: We reserve the right to suspend or terminate accounts that violate these terms.
4. Pricing and Payment Terms
Pricing Model
Our service uses a transparent, pay-per-use token-based pricing model:
- Free tier: 10,000 tokens upon registration
- Subscription plan: $3/month for 1.5M tokens
- Overage: $3 per 750K additional tokens
Payment Processing
Payments are processed securely through SafePay. All prices are in USD. Monthly subscriptions automatically renew unless cancelled.
Refund Policy
Refunds may be issued at our discretion for unused portions of subscription plans. Token purchases are generally non-refundable once consumed.
5. Acceptable Use Policy
You agree to use BudgChat responsibly and in accordance with all applicable laws and regulations.
Prohibited Uses Include:
- Generating illegal, harmful, or malicious content
- Harassing, threatening, or impersonating others
- Attempting to circumvent usage limits or security measures
- Using the service to spam or conduct fraudulent activities
- Reverse engineering or attempting to extract model weights
- Sharing account credentials or reselling access
Violation of these terms may result in immediate account suspension or termination without refund.
6. Data Usage and Privacy
Your privacy is important to us. Our collection and use of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.
Key Privacy Points:
- We do not use your conversations to train AI models
- All data is encrypted in transit and at rest
- You can delete your data at any time
- We comply with GDPR and other privacy regulations
7. Intellectual Property Rights
The Service and its original content, features, and functionality are owned by BudgChat and are protected by international copyright, trademark, patent, trade secret, and other intellectual property laws.
Your Content
You retain ownership of any content you submit to the Service. However, you grant us a limited license to process and respond to your content for the purpose of providing the Service.
AI-Generated Content
AI-generated responses are provided as-is. While you may use these responses, we make no claims about their accuracy, completeness, or suitability for any particular purpose.
8. Service Availability and Modifications
While we strive to provide reliable service, we cannot guarantee 100% uptime. The Service may experience downtime for maintenance, updates, or due to factors beyond our control.
We reserve the right to modify, suspend, or discontinue any aspect of the Service at any time, with or without notice. We will provide reasonable advance notice for significant changes when possible.
Service Availability: We strive to provide reliable service but cannot guarantee 100% uptime. Service may experience downtime for maintenance or technical issues.
9. Disclaimers and Limitation of Liability
DISCLAIMER:
THE SERVICE IS PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. WE DO NOT WARRANT THAT THE SERVICE WILL BE UNINTERRUPTED, ERROR-FREE, OR FREE OF HARMFUL COMPONENTS.
AI Accuracy: AI-generated content may contain inaccuracies, biases, or harmful information. Users should verify important information independently and use their judgment when relying on AI responses.
Limitation of Liability: Our total liability to you for any damages shall not exceed the amount you paid us in the 12 months preceding the claim, or $100, whichever is greater.
10. Termination
Either party may terminate this agreement at any time. You may cancel your account through your account settings or by contacting our support team.
We may terminate or suspend your account immediately, without prior notice, if you breach these Terms. Upon termination, your right to use the Service will cease immediately.
Upon Termination:
- Your access to the Service will be disabled
- You may request export of your data within 30 days
- Unused subscription time may be refunded at our discretion
- These Terms will remain in effect regarding past use
11. Governing Law and Dispute Resolution
These Terms shall be governed by and construed in accordance with the laws of [Your Jurisdiction], without regard to its conflict of law provisions.
Any disputes arising from these Terms or your use of the Service will be resolved through binding arbitration, except that either party may seek injunctive relief in court for intellectual property violations.
Before initiating any formal proceedings, we encourage users to contact our support team to resolve issues amicably.
12. Changes to Terms
We reserve the right to modify these Terms at any time. When we make changes, we will update the "Last updated" date and notify users through email or in-app notifications.
Your continued use of the Service after changes constitute acceptance of the new Terms. If you disagree with the changes, you should discontinue use of the Service.
Notification Promise: We will provide at least 30 days' notice for any material changes that affect pricing or core functionality.
13. Contact Information
If you have any questions about these Terms of Service, please contact us:
Email: support@budgchat.com
Address: [Your Business Address]
Business Hours: Monday-Friday, 9 AM - 5 PM PST
For general support questions, please use our contact form or reach out via email.