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Umfug Terms of Service

Last updated: [LAWYER: date]

These terms govern your use of Umfug. By creating an account or using the service, you agree to them. Please read them alongside our Privacy Policy.

1. Who we are

Umfug ("Umfug", "we", "us") is a conversational AI service operated by [LAWYER: legal entity name + registered address]. You can contact us at [LAWYER: contact email].

2. Eligibility

You must be at least [LAWYER: confirm minimum age — currently 16] years old and able to form a binding contract to use Umfug. By using the service you confirm that you meet these requirements.

3. Your account

You are responsible for your account and for keeping your login details secure. You are responsible for activity that happens under your account. Tell us promptly if you believe your account has been used without your permission.

4. The service

Umfug lets you have conversations with an AI assistant. A share of Umfug's profit is distributed to the creatives mentioned in conversations and to a water charity, as described in sections 7 and 8. We may add, change, or remove features over time.

5. Subscriptions, billing, and cancellation

Umfug is offered on a paid subscription. By subscribing, you authorise us and our payment provider (Stripe) to charge your payment method the applicable fee on a recurring basis until you cancel.

  • Fees are stated at the point of purchase and are billed in advance for each billing period.
  • Your subscription renews automatically each period unless you cancel before the renewal date.
  • You can cancel at any time; cancellation takes effect at the end of your current billing period, and you keep access until then.
  • Except where required by law, fees already paid are non-refundable. Nothing in these terms affects your statutory rights as a consumer.
  • We may change our fees. We will give you reasonable notice of any change before it applies to you.

6. Acceptable use

You agree not to use Umfug to:

  • break the law or infringe anyone's rights;
  • generate or distribute unlawful, harmful, harassing, or abusive content;
  • upload images or files that are unlawful, infringing, or otherwise harmful;
  • attempt to gain unauthorised access to the service, or disrupt or overload it;
  • misuse the attribution or payout system, including by attempting to inflate, manipulate, or fraudulently obtain payouts;
  • resell or commercially exploit the service except as we expressly permit.

We may suspend or terminate accounts that breach these terms.

7. Creatives and payouts

Umfug distributes a share of its profit to creatives who are mentioned in conversations. The following terms apply:

  • No automatic obligation. Mentioning a creative in a conversation does not, by itself, create any payment obligation to that creative. Payouts are made only to creatives who register an account, complete identity verification, provide valid payout details, and meet the conditions below.
  • How the share is calculated. Umfug allocates a share of its profit (currently 15%) to a pool that is divided among eligible mentioned creatives according to Umfug's published attribution method. "Profit" and the attribution calculation are determined by Umfug. We may change the share, the method, and the thresholds, with reasonable notice.
  • Verification. To receive payouts, a creative must verify their identity in two steps, both fully automated: (a) the creative proves control of a public property (such as a website) by placing a verification code on it; and (b) Umfug runs an automated check that searches publicly available information to assess whether the creative is legitimately connected to the named creative. Umfug may withhold, hold, or refuse payout based on the results of this verification. A creative who receives an unfavourable result may request a manual review. [LAWYER: confirm how strongly we assert identity verification — this framing describes both gates without guaranteeing correctness.]
  • Minimum threshold and payout schedule. Payouts are made periodically through our payouts provider (Wise), subject to a minimum balance of [£50]. Balances below the threshold carry over to future periods.
  • Unclaimed balances. Amounts attributed to a creative who has not registered, verified, or provided valid payout details are held until claimed and do not expire. We are not obliged to pay any party who has not met the requirements in this section, and no interest is payable on held balances.
  • Fraud and errors. We may withhold, adjust, or reverse payouts where we reasonably suspect fraud, abuse, error, or breach of these terms.
  • Tax. Creatives are responsible for any taxes due on amounts they receive.

8. Water charity contribution

Umfug donates a portion of its profit (currently 5%) to a water-related charity selected by Umfug. We may change the proportion and the chosen charity at our discretion.

9. Your content and intellectual property

You keep ownership of the prompts and content you submit. You grant us the rights needed to process your content in order to provide and operate the service. To the extent permitted by law, you may use the outputs the service generates for you, and you are responsible for how you use them. Umfug and its branding remain our property.

10. AI outputs

Umfug's responses are generated by an AI model and may be inaccurate, incomplete, or unsuitable for your purposes. They are not professional advice. You should not rely on them without your own judgement, and you are responsible for how you use them.

11. Availability

We aim to keep Umfug available but do not guarantee it will be uninterrupted or error-free. We may suspend or withdraw the service, in whole or in part, for maintenance or other reasons.

12. Termination

You may stop using Umfug and close your account at any time. We may suspend or terminate your access if you breach these terms or if we reasonably need to. Sections that by their nature should survive termination (including payout, liability, and governing law) will continue to apply.

13. Disclaimers and limitation of liability

To the fullest extent permitted by law, the service is provided "as is" and we exclude implied warranties. Nothing in these terms limits liability that cannot be limited by law (such as for death or personal injury caused by negligence, or for fraud). Subject to that, we are not liable for indirect or consequential loss, and our total liability to you is limited to the amount you paid us in the [LAWYER: liability cap — currently 12 months] before the event giving rise to the claim.

14. Changes to these terms

We may update these terms from time to time. If we make material changes, we will notify you by a reasonable means. Continuing to use Umfug after changes take effect means you accept the updated terms.

15. Governing law

These terms are governed by the laws of [LAWYER: England and Wales / jurisdiction], and disputes are subject to the [LAWYER: exclusive or non-exclusive] jurisdiction of its courts. Nothing here affects mandatory consumer protections available to you where you live.

16. Contact

Questions about these terms? Contact us at [LAWYER: contact email].

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