Terms of Service

"MultipleChat," "we," "us," or "our" means NLP GmbH, a company incorporated and existing under the laws of Switzerland, with its registered office in Zurich, Switzerland, operating the artificial intelligence platform accessible at multiplechat.ai, chat.multiple.chat, and all associated subdomains, mobile applications, browser extensions, APIs, and any other digital products operated under the MultipleChat brand, whether now existing or developed in the future.

"You," "User," or "Subscriber" means any individual human being or legal entity — including corporations, partnerships, sole traders, non-profit organizations, government bodies, and educational institutions — who registers for, accesses, or uses the Services in any capacity, whether under a free plan, trial period, or paid subscription, including any individual acting on behalf of a legal entity and thereby binding that entity to these Terms.

"Services" means the entirety of the MultipleChat platform and all features, tools, integrations, AI models, outputs, interfaces, APIs, documentation, support channels, and any other products or capabilities made available by MultipleChat, whether currently existing or added in the future, including without limitation: access to AI language models, image generation, Presentation Studio, document processing, web search integration, conversation history, multi-model comparison, Smart Mode, and any beta or experimental features.

"AI Model" or "Model" means any artificial intelligence language model, image generation model, or other AI system made accessible through the Services, whether operated by MultipleChat directly or provided via the API of a Third-Party AI Provider. AI Models include without limitation: GPT-4o, GPT-4, GPT-4 Turbo, GPT-3.5, o1, o3-mini, Claude 3.5 Sonnet, Claude 3 Opus, Claude 3 Haiku, Gemini 1.5 Pro, Gemini Flash, Llama 3, Mistral Large, Perplexity models, DALL-E 3, and any other models currently or in the future made available through the Services.

"Third-Party AI Provider" means any external company whose AI models, APIs, or services are integrated into or made accessible through the Services, including without limitation: OpenAI LLC, Anthropic PBC, Google LLC, Meta Platforms Inc., Perplexity AI Inc., Mistral AI SAS, and any other AI company or service provider whose models or APIs MultipleChat accesses on behalf of Users.

"User Content" means any text, prompts, instructions, images, documents, files, data, code, or other materials that you submit, upload, input, or transmit to or through the Services, regardless of format or medium.

"Generated Content" means any output, response, image, text, code, document, presentation, or other material produced by any AI Model through the Services in response to or in connection with User Content, including outputs of Presentation Studio, image generation tools, and any other AI-powered generation feature.

"Tokens" means the unit of computational resource consumed each time the Services process any AI request. Tokens represent real, immediate, non-recoverable costs incurred by MultipleChat at the moment of each request. Token consumption is permanent and irreversible. Tokens are not currency, loyalty points, or stored credits — they are a direct measure of computational cost paid by MultipleChat to Third-Party AI Providers on your behalf.

"Subscription" means any paid access arrangement — whether billed monthly, annually, or on any other cycle — granting access to premium features of the Services beyond those available on the free plan, including the Pro plan, Smart Mode plan, and any enterprise or team plans offered by MultipleChat at any time.

"Subscription Fee" means any monetary amount charged by MultipleChat in connection with a Subscription, including recurring monthly or annual charges, upgrade fees, trial conversion fees, auto-renewal fees, taxes, and any other fees associated with a Subscription.

"Billing Cycle" means the recurring period — monthly, annual, or otherwise — during which a Subscription is active and for which a Subscription Fee is charged.

"Presentation Studio" means MultipleChat's AI-powered presentation and document generation feature, which may utilize multiple AI Models, image generation, and compute-intensive processing in a single session.

"Smart Mode" means MultipleChat's intelligent model routing and multi-model orchestration feature, which automatically selects, combines, or compares multiple AI Models to process a User's request.

"Refund Policy" means MultipleChat's separate Refund Policy document, available at multiplechat.ai/refund, which is incorporated into these Terms by reference and governs all matters relating to Subscription Fees, billing disputes, and refund eligibility.

"Privacy Policy" means MultipleChat's separate Privacy Policy document, available at multiplechat.ai/privacy, which is incorporated into these Terms by reference and governs all matters relating to personal data collection, processing, and storage.

"Applicable Law" means any statute, regulation, directive, rule, or legal requirement of any governmental authority — local, national, supranational, or international — that applies to the relationship between MultipleChat and the User, including Swiss contract law, Swiss consumer protection law, EU consumer rights directives, the GDPR, the UK Consumer Rights Act, and any other law applicable by reason of the User's location, nationality, or activities.

"Force Majeure Event" means any event beyond MultipleChat's reasonable control, including acts of God, natural disasters, pandemics, war, terrorism, cyberattacks, government actions, power failures, Internet infrastructure failures, Third-Party AI Provider outages, and any other event that could not with reasonable diligence have been foreseen or prevented.

"Intellectual Property Rights" means all patents, copyrights, trademarks, service marks, trade secrets, database rights, design rights, moral rights, and any other intellectual or industrial property rights, whether registered or unregistered, subsisting anywhere in the world.

2.1 How Acceptance Occurs. You accept these Terms and create a legally binding contract with MultipleChat by doing any of the following: (a) clicking any "Sign Up," "Create Account," "Register," "Get Started," "Subscribe," "Upgrade," "Continue," or similar button on any MultipleChat platform or interface; (b) completing the account registration process and providing your email address or social login credentials; (c) subscribing to any paid plan and providing payment information; (d) accessing or using any feature of the Services, whether on a free or paid plan; or (e) accessing the Services as a guest or without creating an account, where such access is permitted. Any of these acts constitutes your unconditional acceptance of the entirety of these Terms, the Refund Policy, and the Privacy Policy, without reservation or qualification.

2.2 Acceptance on Behalf of a Legal Entity. If you are accepting these Terms on behalf of a company, partnership, organization, or other legal entity, you represent and warrant that you have full authority to bind that entity to these Terms, and that by accepting, you are doing so on behalf of that entity. In such case, "you" and "User" refers to both you individually and the entity on whose behalf you act. If you do not have such authority, you must not accept these Terms or use the Services on behalf of the entity.

2.3 Scope of the Agreement. These Terms, together with the Refund Policy, the Privacy Policy, and any other policies, guidelines, or additional terms presented to you in connection with specific features of the Services (collectively, the "Agreement"), constitute the entire and exclusive agreement between you and MultipleChat regarding your use of the Services. The Agreement supersedes all prior and contemporaneous agreements, representations, warranties, and understandings — whether oral, written, or electronic — between you and MultipleChat relating to the same subject matter.

2.4 No Reliance on External Communications. You acknowledge that you have not relied on any statement, representation, assurance, promise, advertisement, or marketing material made by or on behalf of MultipleChat that is not expressly set out in the Agreement. Marketing materials, blog posts, social media content, customer support chat messages, and similar communications are not part of the Agreement and do not create any binding obligation on MultipleChat unless expressly incorporated in writing by an authorized officer of NLP GmbH.

2.5 Minors and Age Verification. The Services are not directed at individuals under the age of 18 (or the age of legal majority in their jurisdiction, whichever is higher). By accepting these Terms, you confirm that you meet the eligibility requirements set out in Section 3. If MultipleChat discovers or reasonably suspects that a User is under the minimum age, we reserve the right to immediately terminate that User's account without notice and without refund.

2.6 Changes to the Agreement. MultipleChat reserves the right to modify these Terms at any time, in accordance with Section 30. Your continued use of the Services after any modification takes effect constitutes your acceptance of the modified Terms. If you do not accept a modification, you must stop using the Services and cancel your Subscription before the modification's effective date.

3.1 Age Requirement. You must be at least 18 years of age, or the age of legal majority in your jurisdiction of residence, whichever is higher. Users between 13 and 17 years of age may only access the Services with the express consent of a parent or legal guardian who accepts these Terms on their behalf — provided that such use is not otherwise prohibited by applicable law. Users under 13 years of age may not use the Services under any circumstances.

3.2 Legal Capacity. You must have full legal capacity to enter into a binding contract under the laws of your jurisdiction of residence. If you are subject to any legal restriction that prevents you from entering into contracts — including but not limited to guardianship orders, conservatorship, or other legal incapacity — you may not use the Services.

3.3 Geographic Restrictions. You may not use the Services if you are located in, a national of, or ordinarily resident in any country or territory that is subject to comprehensive trade sanctions or embargoes imposed by Switzerland, the European Union, the United States (including OFAC), the United Nations, or any other applicable authority. You also may not use the Services if you are individually listed on any applicable sanctions or restricted party list. See Section 28 for full details.

3.4 Prior Bans. You may not create a new account or use the Services if MultipleChat has previously terminated or suspended your account for a violation of these Terms, the Acceptable Use Policy, the Refund Policy, or any other policy — including where a ban was applied following a chargeback, fraudulent refund request, abuse detection, or sanctions violation. Creating a new account to circumvent a ban is a material breach of these Terms and will result in immediate re-termination.

3.5 Ongoing Compliance. Eligibility is an ongoing requirement, not a one-time check. If, at any time during your use of the Services, you cease to meet any eligibility requirement, you must immediately stop using the Services and cancel your Subscription. MultipleChat may perform eligibility checks at any time and reserves the right to suspend or terminate accounts where eligibility cannot be confirmed.

4.1 Core Platform Features. The Services include, without limitation: (a) text-based conversations with multiple AI language models simultaneously or sequentially through a unified chat interface; (b) AI-powered image generation using integrated image generation models; (c) document, PDF, and file analysis and processing using AI models; (d) AI-powered code assistance, review, and generation; (e) web search integration enabling AI models to access real-time information from the internet; (f) Presentation Studio — an AI-powered presentation and document generation tool; (g) Smart Mode — an intelligent model routing and multi-model orchestration feature; (h) conversation history storage, search, and export; (i) project management and conversation organization features; (j) API access enabling programmatic interaction with MultipleChat services; and (k) any other features currently or in the future made available through the platform.

4.2 Nature of the Services — API Aggregation. MultipleChat is fundamentally an AI aggregation and interface platform. With limited exceptions, the AI capabilities provided through the Services are powered by the APIs of independent Third-Party AI Providers, including OpenAI, Anthropic, Google, Meta, Mistral, and Perplexity. MultipleChat does not own, operate, or have any control over the underlying AI models — it provides the interface, orchestration, and user experience layer on top of those models. This has important implications for service availability, output quality, and our liability, all of which are described in detail in the relevant sections of these Terms.

4.3 Feature Availability by Subscription Tier. The specific features available to any User depend on their subscription tier. Free plan Users have access to a limited set of features and a reduced set of AI models. Paid subscribers have access to expanded features, more AI models, higher usage limits, and premium capabilities including Smart Mode and Presentation Studio. The exact feature set of each plan is described on the MultipleChat pricing page and is subject to change in accordance with Section 30.

4.4 What the Services Are Not. The Services are not: (a) a professional advisory service of any kind, including legal, medical, financial, psychological, engineering, or any other regulated profession; (b) a guarantee of accurate, complete, or current information — AI outputs are probabilistic and may be incorrect; (c) a data backup or document storage service — MultipleChat makes no commitment to retain User Content or Generated Content indefinitely; (d) a secure communication channel — do not use the Services to transmit sensitive personal, financial, or classified information; or (e) a substitute for professional expertise, regulatory compliance systems, or safety-critical decision-making processes.

4.5 Continuous Development. MultipleChat is an actively developed platform. We add new features, retire old ones, adjust the AI models available, modify the user interface, and change the underlying infrastructure on an ongoing basis. These changes may occur without advance notice and do not constitute a breach of any obligation to you, except as expressly provided in these Terms.

5.1 Registration Requirements. To create an account, you must provide accurate, complete, and current information, including a valid email address and any other information required by the registration form. You represent and warrant that all registration information you provide is truthful and accurate, and you agree to update it promptly whenever it changes. Providing false, misleading, or inaccurate registration information is a material breach of these Terms and may result in immediate account termination.

5.2 One Account Per User. You may only maintain one active account at any time, unless MultipleChat expressly permits you to maintain multiple accounts in writing. Creating multiple accounts to circumvent usage limits, access free tiers multiple times, exploit trial periods, or evade any suspension or ban is strictly prohibited and constitutes a material breach of these Terms. MultipleChat reserves the right to merge, suspend, or terminate accounts it believes are held by the same individual or entity in violation of this rule.

5.3 Account Security and Credentials. You are solely responsible for: (a) maintaining the confidentiality of your account password and any access credentials; (b) all activity that occurs under your account, whether or not authorized by you; (c) immediately notifying MultipleChat at [email protected] if you suspect unauthorized access to your account, a breach of your credentials, or any other security incident involving your account; and (d) keeping your registered email address and contact information current. MultipleChat will not be liable for any loss, damage, or liability resulting from your failure to maintain the security of your account credentials.

5.4 No Account Sharing. Your account is for your personal or internal business use only. You may not share your account credentials with any third party, permit any third party to access the Services through your account, or use automated means to access your account on behalf of multiple users. MultipleChat reserves the right to suspend accounts it reasonably believes are being shared or accessed by multiple individuals. Enterprise or team accounts with multi-user access may be made available under separate enterprise terms.

5.5 Account Creation as Service Commencement. The act of creating a MultipleChat account — even before subscribing to any paid plan — causes MultipleChat to incur immediate, real costs, including provisioning a database record, allocating storage, activating session authentication, triggering onboarding processes, and in some cases initiating third-party integrations. Accordingly, and as further described in the Refund Policy, account creation constitutes commencement of the Services and has consequences for your right to a refund. Please consult the Refund Policy before creating an account if you are uncertain about whether you wish to use the Services.

5.6 Account Accuracy Obligations. You must keep all account information accurate and up to date at all times. If MultipleChat is unable to reach you at the email address on record — for example, to notify you of a security incident, billing issue, policy change, or identity verification requirement — and if harm results from that inability, MultipleChat will not be liable for that harm. The obligation to maintain current contact information is yours alone.

6.1 Right to Require Verification. MultipleChat may, at its sole discretion and at any time, require any User — whether free or paid, new or existing — to complete an identity verification process before granting, restoring, or continuing access to the Services or any feature thereof. Verification may be required for any reason, including but not limited to: fraud prevention, compliance with applicable law, detecting multiple-account abuse, responding to suspicious activity patterns, or satisfying regulatory obligations. MultipleChat is not required to explain its reasons for requiring verification.

6.2 Verification Methods. Verification may involve any or all of the following, depending on the circumstances: email confirmation; submission of a government-issued identification document; submission of proof of address; completion of a liveness check or biometric verification through a third-party verification service; response to security questions; or any other verification method that MultipleChat determines is appropriate. MultipleChat may use different verification methods for different Users.

6.3 Verification Timeline. The verification process may take up to several business days. In complex cases, it may take longer. MultipleChat will make reasonable efforts to communicate with you about the status of your verification, but does not guarantee any specific timeline. During a pending verification, access to the Services or certain features may be restricted or suspended. MultipleChat is not responsible for any inconvenience or loss arising from a delay in completing verification.

6.4 No Refund for Verification. Verification requirements do not constitute a service failure. Any period during which access is restricted due to verification does not entitle you to a refund, credit, or compensation of any kind. Please refer to the Refund Policy for complete details on the interaction between identity verification and refund eligibility.

6.5 Failure to Verify. If you are unable or unwilling to complete verification — for any reason — MultipleChat may decline to grant or continue access to the Services. In such circumstances, your Subscription will be cancelled and the applicable Subscription Fee is non-refundable to the extent set out in the Refund Policy.

6.6 Consequences of False Verification. Submitting false, forged, or misleading information in connection with any identity verification process constitutes fraud and is a material breach of these Terms. MultipleChat will immediately and permanently terminate any account found to have submitted false verification information, will ban the User from creating future accounts, and may report the matter to relevant law enforcement or regulatory authorities. No refund will be provided in such circumstances.

7.1 Subscription Fees and Pricing. By subscribing to any paid plan, you agree to pay the Subscription Fee applicable to your selected plan at the time of subscription. Subscription Fees are displayed on the pricing page and at the time of checkout. All fees are quoted in the currency specified at checkout. Fees may be inclusive or exclusive of applicable taxes depending on your jurisdiction. MultipleChat reserves the right to change pricing in accordance with Section 30 and the Refund Policy.

7.2 Automatic Billing and Auto-Renewal. All Subscriptions are billed on an automatic, recurring basis. By subscribing, you authorize MultipleChat and its payment processor (Stripe) to automatically charge your designated payment method at the start of each Billing Cycle, without requiring further action or consent from you. This authorization continues until you cancel your Subscription in accordance with Section 9. You are solely responsible for ensuring your payment method remains valid, current, and has sufficient funds.

7.3 Immediate Service Commencement and Withdrawal Waiver. By completing your subscription purchase and agreeing to these Terms, you expressly request the immediate commencement of the Services and acknowledge that your statutory right of withdrawal — where applicable under EU or UK consumer law — may expire once Service performance has begun. Service performance begins immediately upon successful payment, as described in the Refund Policy. For full details on the EU right of withdrawal and its application to MultipleChat subscriptions, please refer to Section 8 of the Refund Policy.

7.4 Payment Methods and Processing. MultipleChat accepts payment methods supported by its payment processor, Stripe. Payment processing is handled exclusively by Stripe and is subject to Stripe's own terms and privacy policy. MultipleChat does not store your full payment card details on its own systems. You are responsible for ensuring your payment method information is accurate and current. MultipleChat is not responsible for payment failures caused by your bank, card issuer, or payment provider.

7.5 Failed Payments. If any Subscription Fee payment fails — including a renewal payment — MultipleChat may: (a) attempt to retry the payment one or more times over the following days; (b) notify you of the payment failure by email; (c) restrict or suspend access to paid features; and (d) downgrade your account to the free tier. A payment failure does not waive any obligation to pay the amount due. If payment cannot be collected after reasonable retry attempts, MultipleChat may terminate your Subscription. Failed payment periods do not entitle you to a refund or credit.

7.6 Taxes. You are responsible for all applicable taxes, levies, duties, and government charges associated with your Subscription, including VAT, GST, sales tax, and digital services tax, to the extent not collected by MultipleChat at source. Where MultipleChat is legally required to collect tax, it will be displayed at checkout and added to your Subscription Fee. Tax amounts paid are non-refundable except to the extent required by applicable tax law.

7.7 Chargebacks. Filing a chargeback or payment dispute with your bank or card issuer without first contacting MultipleChat at [email protected] and allowing at least 10 business days for investigation is a breach of these Terms and the Refund Policy. MultipleChat actively contests unjustified chargebacks using documented evidence of Terms acceptance, service delivery, and token consumption logs. Successful chargebacks initiated in bad faith will result in permanent account termination and may be pursued through legal channels. Please refer to the Refund Policy, Section 12, for the complete chargeback policy.

8.1 Free Plan. MultipleChat offers a free tier providing limited access to certain Services features without charge. The free tier is provided on an "as-available" basis and may be modified, restricted, or discontinued at any time without notice. Free tier access does not create any entitlement to continued access at the same feature level or to conversion to a paid plan at any particular price.

8.2 Trial Periods. MultipleChat may from time to time offer promotional trial periods granting temporary access to paid features. Trial terms are communicated at the time of sign-up. By initiating a trial, you authorize MultipleChat to automatically charge the applicable Subscription Fee at the end of the trial period unless you cancel before the trial ends. One trial per User; creating additional accounts to access multiple trials is prohibited.

8.3 Trial Conversion. The conversion of a trial to a paid Subscription occurs automatically at the end of the trial period. You are responsible for cancelling before the trial ends if you do not wish to be charged. The Refund Policy governs refund eligibility in connection with trial conversions.

8.4 Usage During Trials Triggers Waiver. Any use of the Services during a trial period — including account creation itself — constitutes use of the Services and triggers the refund waiver described in the Refund Policy. "I didn't know the trial would convert" and "I forgot to cancel" are not valid grounds for a refund of a trial conversion charge. Please refer to Section 7 and Section 8 of the Refund Policy for full details.

9.1 How to Cancel. You may cancel your Subscription at any time through your account settings at chat.multiple.chat, or by emailing [email protected] with the subject line "Cancel Subscription." Cancellation requests sent by email are processed within 2 business days. You are responsible for confirming that cancellation has been completed. Cancellation cannot be processed through social media, third-party platforms, or any other channel.

9.2 Effect of Cancellation. Cancellation stops future billing. It does not produce a refund of any current or prior Subscription Fee. You will continue to have access to paid features until the end of your current Billing Cycle, after which your account reverts to the free tier. Unused token allocation or feature access remaining at the time of cancellation is forfeited without compensation.

9.3 No Partial Period Refunds. MultipleChat does not provide partial period refunds under any circumstances. Cancellation mid-month or mid-year does not result in a pro-rated refund for the unused portion of the Billing Cycle. Please refer to the Refund Policy for the complete refund framework.

9.4 Account Deletion. You may request deletion of your account by contacting [email protected]. Account deletion is distinct from Subscription cancellation. Deleting your account does not automatically cancel your Subscription and does not entitle you to a refund. MultipleChat will process account deletion requests in accordance with the Privacy Policy and applicable data protection law.

9.5 Data After Cancellation. Upon cancellation or account closure, your data will be retained in accordance with the Privacy Policy and applicable law. MultipleChat is not a data backup service and does not guarantee the continued availability of your User Content or Generated Content following cancellation. You are responsible for downloading or exporting any content you wish to retain before cancelling.

10.1 Summary of Refund Position. Subscription Fees are non-refundable as a general rule. Account creation alone — before any message is sent — permanently waives refund rights because it triggers real infrastructure costs. The Refund Policy provides three narrow exceptions: (a) verified billing errors; (b) total platform outages exceeding 72 consecutive hours caused solely by MultipleChat's own infrastructure; and (c) legally mandated refunds under applicable mandatory consumer protection law. All other refund requests will be declined.

10.2 No Refund for AI Output Dissatisfaction. Dissatisfaction with AI-generated content — including outputs that are inaccurate, unexpected, unhelpful, or otherwise unsatisfactory — does not constitute grounds for a refund. You are paying for access to the AI, not for any specific outcome. AI output quality is inherently variable and is not guaranteed.

10.3 EU Consumer Rights. EU, EEA, and UK consumers may have a statutory right of withdrawal under applicable consumer protection law. However, by completing the subscription process and requesting immediate commencement of the Services, you waive this right in accordance with Article 16(m) of the EU Consumer Rights Directive and equivalent provisions. This waiver is explained in full in Section 8 of the Refund Policy. Mandatory statutory rights that cannot be waived by contract are preserved.

11.1 General Conduct Standards. You agree to use the Services in a manner that: (a) complies with all Applicable Laws and regulations; (b) respects the rights of MultipleChat, Third-Party AI Providers, and all other Users; (c) does not harm, interfere with, or impair the performance, availability, or integrity of the Services or the systems on which they depend; (d) does not expose MultipleChat to legal liability, regulatory action, or reputational harm; and (e) is consistent with the spirit and letter of these Terms in all respects.

11.2 Technical Use Standards. You agree not to: (a) attempt to access any portion of the Services or any third-party systems to which you are not authorized; (b) use automated scripts, bots, scrapers, crawlers, or other automated means to access or use the Services in a manner that exceeds reasonable human usage patterns, unless specifically authorized by MultipleChat; (c) attempt to reverse engineer, decompile, disassemble, or extract the source code, model weights, training data, or architecture of any AI Model or any component of the Services; (d) introduce malware, viruses, trojans, ransomware, or any other malicious code into the Services or any systems connected to them; (e) perform or facilitate denial-of-service attacks or any other attack on MultipleChat's or any third party's infrastructure; (f) circumvent, disable, or interfere with any security, authentication, or access control feature of the Services; (g) probe or test the security vulnerabilities of the Services without MultipleChat's express written authorization; or (h) use the Services' API in a manner that exceeds rate limits or fair usage quotas without authorization.

11.3 Commercial Use Standards. You agree not to: (a) resell, redistribute, sublicense, or otherwise commercialize access to the Services without MultipleChat's express written consent; (b) use the Services to develop, train, or improve any competing AI model, product, or service; (c) use any part of the Services to create or operate a competing AI platform or aggregator; (d) use the Services to generate content at scale for spam campaigns, SEO manipulation, or other mass-content operations that violate platform policies or applicable law; or (e) misrepresent your use of the Services to MultipleChat, including for the purpose of obtaining a lower subscription tier than your actual usage would require.

11.4 Account and Identity Standards. You agree not to: (a) create more than one account per person or entity without MultipleChat's express permission; (b) use another person's identity, account credentials, or payment information to access the Services; (c) impersonate any person, company, or entity in connection with your use of the Services; (d) misrepresent your affiliation with any person or organization; or (e) use the Services to collect or harvest personal information about other Users without their consent.

12.1 Illegal Content. You may not use the Services to generate, access, store, transmit, or distribute any content that is illegal under any applicable law, including content that violates copyright, trademark, trade secret, privacy, defamation, obscenity, or any other law. This prohibition applies regardless of whether the illegal nature of the content is apparent on its face.

12.2 Child Safety. Any use of the Services to generate, access, distribute, or facilitate content that sexually exploits, endangers, harms, or abuses minors — including any form of child sexual abuse material (CSAM) — is absolutely prohibited and constitutes a criminal offense in most jurisdictions. MultipleChat will immediately terminate any account involved in such activity and will report the matter to relevant law enforcement authorities, including NCMEC where applicable, without notice.

12.3 Violence and Dangerous Content. You may not use the Services to: generate content that promotes, glorifies, or facilitates violence against any person or group; generate detailed instructions for creating weapons, explosives, chemical or biological agents, or any other materials capable of causing mass harm; generate content that incites terrorism, genocide, ethnic cleansing, or other mass atrocities; or generate content that facilitates self-harm, suicide, or harm to specific identified individuals.

12.4 Hate Speech and Discrimination. You may not use the Services to generate, distribute, or promote content that: dehumanizes, degrades, or threatens any person or group on the basis of race, ethnicity, national origin, religion, gender, gender identity, sexual orientation, disability, age, or any other protected characteristic; promotes or encourages discrimination against any protected group; or constitutes hate speech under applicable law.

12.5 Harassment and Privacy Violations. You may not use the Services to: harass, bully, stalk, or threaten any individual; generate content designed to humiliate, intimidate, or distress any specific person; facilitate non-consensual surveillance or tracking of individuals; generate, compile, or distribute personal information about individuals without their consent (doxing); or generate sexually explicit content involving real, identifiable individuals without their express consent.

12.6 Fraud, Deception, and Manipulation. You may not use the Services to: create phishing content, fraudulent websites, or deceptive materials designed to trick individuals into revealing personal or financial information; generate spam, bulk unsolicited commercial communications, or mass messaging campaigns; create deepfakes, synthetic media, or other deceptive content designed to impersonate real individuals; generate disinformation, propaganda, or manipulative content designed to influence political processes, public opinion, or financial markets through deception; or create any content designed to defraud, deceive, or manipulate any person or organization.

12.7 Malicious Code and Cybercrime. You may not use the Services to generate, develop, or facilitate: malware, viruses, ransomware, spyware, or any other malicious software; cyberattacks, including DDoS attacks, SQL injection, cross-site scripting, or any other attack vector; tools for unauthorized access to computer systems, networks, or data; or content designed to facilitate any form of cybercrime.

12.8 Intellectual Property Infringement. You may not use the Services to: reproduce, distribute, or adapt copyrighted works without authorization; generate content designed to circumvent any digital rights management system; generate content that infringes any third-party trademark, patent, trade secret, or other Intellectual Property Right; or create derivative works of any software, model, or content in a manner that violates the applicable license terms.

12.9 AI Safety and Integrity. You may not use the Services to: attempt to "jailbreak," manipulate, or circumvent the safety measures, content filters, or ethical guidelines of any AI Model; systematically probe AI Models for vulnerabilities, biases, or failure modes without MultipleChat's express authorization; generate content designed to train or improve a competing AI system without MultipleChat's authorization; or use the Services in any way that degrades the quality, safety, or availability of the AI Models for other Users.

13.1 Your Ownership of User Content. You retain all Intellectual Property Rights you hold in User Content that you submit to the Services. These Terms do not transfer ownership of your User Content to MultipleChat. However, by submitting User Content, you grant MultipleChat and its service providers (including Third-Party AI Providers) the licenses described in this Section.

13.2 License to MultipleChat. By submitting User Content, you grant MultipleChat a worldwide, non-exclusive, royalty-free, sublicensable license to: use, copy, store, process, transmit, display, and distribute your User Content solely to the extent necessary to provide the Services to you; transmit your User Content to Third-Party AI Providers for processing in connection with AI Model inference; maintain and operate our platform and systems; comply with legal obligations; and exercise our rights under these Terms. This license is limited to service provision purposes and does not permit MultipleChat to use your User Content for advertising, marketing, or AI model training without your separate consent, except as required by Third-Party AI Provider terms.

13.3 User Content Representations and Warranties. By submitting User Content, you represent and warrant that: (a) you own or have all necessary rights, licenses, consents, and permissions to submit the User Content and to grant the license in Section 13.2; (b) the User Content does not violate the Intellectual Property Rights, privacy rights, publicity rights, or any other rights of any third party; (c) the User Content does not violate any applicable law or regulation; (d) the User Content does not contain any malicious code, viruses, or harmful components; and (e) the User Content does not contain any content prohibited under Section 12.

13.4 Content Submitted to Third-Party AI Providers. You understand and acknowledge that, in order to provide the Services, MultipleChat must transmit your User Content to the APIs of Third-Party AI Providers. By submitting User Content, you consent to this transmission. The handling of your User Content by Third-Party AI Providers is governed by their respective privacy policies and terms, which you should review before submitting sensitive information. Do not submit highly sensitive personal information, trade secrets, classified data, or regulated personal data through the Services if you are concerned about third-party processing.

13.5 Content Moderation. MultipleChat reserves the right, but is not obligated, to review, monitor, filter, or remove any User Content at its sole discretion, without notice, and without liability to you. MultipleChat may also disclose User Content if required by law, court order, or regulatory authority, or if MultipleChat reasonably believes disclosure is necessary to protect its rights, the safety of any person, or the integrity of the Services.

14.1 Ownership of Generated Content. Subject to these Terms and applicable law, to the extent that Generated Content is eligible for copyright protection, you are considered the author of Generated Content produced specifically in response to your User Content. However, you acknowledge that: (a) the copyrightability of AI-generated content is an evolving and unsettled area of law in most jurisdictions; (b) similar or identical Generated Content may be produced for other Users who submit similar or identical prompts; (c) MultipleChat makes no guarantee that your Generated Content is original, unique, or free from intellectual property claims by third parties; and (d) the Intellectual Property Rights in the underlying AI Models and the output generation process belong to MultipleChat and/or the relevant Third-Party AI Provider.

14.2 License for Generated Content Use. Subject to these Terms, MultipleChat grants you a worldwide, non-exclusive, royalty-free license to use Generated Content for personal and lawful commercial purposes. This license does not include the right to: represent AI-generated content as the product of purely human authorship in contexts where such representation would be fraudulent, unlawful, or in violation of applicable platform policies (e.g., academic fraud); use Generated Content in a manner that violates the terms of the Third-Party AI Provider whose model produced the content; or use Generated Content in any manner prohibited by Section 12 of these Terms.

14.3 No Warranty on Generated Content Rights. MultipleChat makes no representation or warranty that Generated Content: (a) is original or does not infringe any third-party Intellectual Property Rights; (b) is accurate, complete, or suitable for any particular purpose; (c) is free from defamatory, obscene, or otherwise unlawful content; or (d) will be protected by copyright or any other intellectual property right in your jurisdiction. You use Generated Content at your own risk and are solely responsible for evaluating its accuracy, legality, and suitability before relying on or distributing it.

14.4 Professional and High-Risk Uses. Generated Content must not be used without independent expert review for: legal advice or documents; medical or health advice, diagnosis, or treatment; financial advice, investment decisions, or tax guidance; engineering, architectural, or structural calculations; psychological or mental health support; pharmaceutical or medication information; safety-critical systems; academic or professional submissions where AI-generated content is prohibited; or any other context where reliance on inaccurate information could cause significant harm, legal liability, financial loss, or physical danger. MultipleChat is not a professional services provider and no Generated Content constitutes professional advice of any kind.

15.1 Probabilistic Nature of AI. All AI language models and image generation systems accessible through the Services are probabilistic systems — they produce outputs based on statistical patterns learned during training, not on logical reasoning, factual databases, or reliable knowledge retrieval. This means: the same prompt may produce different outputs at different times; outputs may appear confident even when they are factually incorrect; and the quality, accuracy, and reliability of outputs varies significantly depending on the prompt, the model, and the task.

15.2 Hallucinations and Factual Errors. AI language models are prone to "hallucination" — generating plausible-sounding but entirely fabricated information, including invented citations, false statistics, non-existent legal cases, incorrect historical facts, and other confident-sounding falsehoods. Hallucination is a known and inherent limitation of current AI technology that applies to every model currently available, including the most advanced models. You must verify all factual claims in Generated Content before relying on them.

15.3 Knowledge Cutoff Dates. AI language models have knowledge cutoff dates — points in time after which they have no information about world events. The knowledge cutoff date varies by model and is specified in each model's documentation where available. Generated Content may therefore be outdated, miss recent developments, or be based on superseded information. Web search features may mitigate this limitation for some queries but do not eliminate it.

15.4 Bias and Inconsistency. AI models may reflect biases present in their training data, which may result in outputs that are systematically biased, unfair, or inconsistent across different demographic groups, topics, or contexts. MultipleChat does not warrant that any AI Model is free from bias, and you should be aware of this limitation when using AI outputs in contexts where fairness and consistency are important.

15.5 Code Limitations. AI-generated code may contain bugs, security vulnerabilities, logic errors, or deprecated syntax. Code generated by AI Models should never be deployed to production systems, used in security-sensitive contexts, or relied upon for mission-critical functionality without thorough independent review, testing, and security audit by qualified software engineers.

15.6 Model Versions and Changes. The specific version of any AI Model available through the Services may change at any time, including being upgraded to a newer version, downgraded to an older version, or replaced with an alternative model, without notice. The behavior, capabilities, and output style of AI Models may differ significantly between versions. MultipleChat does not guarantee access to any specific model version at any time.

15.7 Your Responsibility. You are solely responsible for: evaluating the accuracy, reliability, and appropriateness of all Generated Content before using or relying on it; obtaining independent professional verification of any Generated Content used in a professional, legal, medical, financial, or other high-stakes context; and complying with all applicable laws and regulations in connection with your use of Generated Content, including disclosure requirements where AI-generated content is used in professional, commercial, or public contexts.

16.1 No Guaranteed Uptime. MultipleChat does not guarantee any specific uptime percentage, service level agreement, or continuous availability of the Services. The Services are provided on an "as-available" basis. You acknowledge that the Services may be unavailable from time to time due to maintenance, technical failures, Third-Party AI Provider outages, or Force Majeure Events.

16.2 Planned Maintenance. MultipleChat may perform scheduled maintenance that temporarily interrupts access to all or part of the Services. We will endeavor to provide advance notice of planned maintenance where reasonably practicable, but this is not guaranteed, particularly for urgent or emergency maintenance. Planned maintenance does not constitute a service failure and does not entitle you to a refund or credit.

16.3 Third-Party Provider Outages. Because the Services depend on Third-Party AI Provider APIs, outages or degradation of those providers directly affects the Services. MultipleChat has no control over the uptime or performance of Third-Party AI Providers. During a Third-Party AI Provider outage, MultipleChat may implement fallback routing to alternative providers or models where available, but cannot guarantee that equivalent service will be maintained. Third-Party AI Provider outages do not entitle you to a refund or credit.

16.4 Degraded Service Modes. During periods of high demand, technical difficulties, or provider constraints, the Services may operate in degraded modes, including: automatic fallback to older or alternative AI model versions; reduced response quality or longer response times; temporary disabling of certain features or models; implementation of queue systems; and restricted access to resource-intensive features. These degraded modes are temporary and do not constitute a service failure.

16.5 No Liability for Interruptions. Except to the narrow extent described in Section 11.2 of the Refund Policy (72-hour total outage caused solely by MultipleChat's own infrastructure), MultipleChat is not liable for any loss, damage, or inconvenience caused by any service interruption, outage, degradation, or unavailability, regardless of cause or duration.

17.1 Independence of Third-Party Providers. Third-Party AI Providers — including OpenAI, Anthropic, Google, Meta, Perplexity, Mistral, and others — are independent companies entirely outside MultipleChat's control. MultipleChat has no influence over their pricing, availability, terms of service, model capabilities, output quality, training data, safety policies, or decisions to modify, restrict, or discontinue their services.

17.2 Your Content and Third-Party Providers. By using the Services, you acknowledge and consent to your User Content being transmitted to the APIs of Third-Party AI Providers for processing. The privacy practices and data handling of Third-Party AI Providers are governed by their own privacy policies, which you should review. MultipleChat is not responsible for how Third-Party AI Providers process, store, or use data transmitted to their APIs in connection with your use of the Services.

17.3 Third-Party Terms. Your use of certain AI Models through the Services may also be subject to the terms and acceptable use policies of the relevant Third-Party AI Provider. By using those models, you agree to comply with the applicable provider terms. MultipleChat may be required to restrict or terminate your access to specific models if your use violates the relevant provider's terms, even if it does not otherwise violate these Terms.

17.4 Changes to Third-Party Services. Third-Party AI Providers may change their models, APIs, pricing, terms, or availability at any time. Such changes may require MultipleChat to modify the Services, remove certain models from the platform, adjust pricing, or change feature availability, potentially without advance notice. Such changes do not constitute a breach of MultipleChat's obligations to you.

17.5 No Endorsement of Third-Party Providers. MultipleChat's integration with or reference to Third-Party AI Providers does not constitute an endorsement of their products, services, business practices, or ethical standards. MultipleChat makes no warranty or representation regarding any Third-Party AI Provider and is not responsible for any harm arising from your direct or indirect interaction with their services.

18.1 Real-Time Cost Incurrence. Every AI request processed through the Services results in MultipleChat incurring an immediate, real, non-recoverable cost. When you send a message to GPT-4o, MultipleChat pays OpenAI for the tokens consumed by that request at that moment. When you generate an image, MultipleChat pays the image model provider immediately. When you process a document, the cost is incurred token by token as the document is analyzed. These costs are not hypothetical or deferred — they are paid in real time, and they cannot be recovered by MultipleChat if you subsequently seek a refund.

18.2 Non-Reversibility of Token Consumption. Token consumption is permanent and irreversible. There is no technical mechanism by which consumed tokens can be unconsumned, refunded to MultipleChat by a Third-Party AI Provider, or credited back to a User. Once a request has been processed and a response generated, the cost has been irrevocably incurred. This is why refunds based on dissatisfaction with AI output are not possible — the cost of generating the output cannot be recovered.

18.3 High-Cost Features. Certain features of the Services — particularly image generation and Presentation Studio — carry significantly higher per-request costs than basic text conversations. A single image generation request may consume the token equivalent of many text messages. A Presentation Studio session generating a multi-slide presentation may consume very significant computational resources. Users should be aware of these cost differentials when using premium features.

18.4 Subscription Fee Economics. Subscription Fees are not simply a payment for tokens — they are a payment for access to the platform infrastructure, engineering, customer support, and third-party services for the full Billing Cycle. Even if you do not use the Services at all during a Billing Cycle, MultipleChat incurs costs in maintaining the platform in an operational state ready to serve your requests. Unused token allocation does not reduce MultipleChat's operational costs and does not entitle you to a pro-rated refund.

18.5 Evidence Retention. MultipleChat maintains precise, timestamped logs of all AI requests, token consumption, session data, payment events, and Terms acceptance records. These records are used to process refund requests, respond to chargebacks, and enforce these Terms. By using the Services, you acknowledge that such records exist and that they will be used in any billing dispute, chargeback, or legal proceeding.

19.1 MultipleChat's Intellectual Property. All Intellectual Property Rights in and to the Services — including the platform interface, design, architecture, codebase, databases, algorithms, workflows, branding, trademarks, logos, trade names, and all proprietary features and tools (including Presentation Studio and Smart Mode) — are owned by or licensed to MultipleChat. Nothing in these Terms transfers or grants you any Intellectual Property Rights in the Services beyond the limited license set out in Section 19.2.

19.2 Limited License to Use the Services. Subject to these Terms, MultipleChat grants you a limited, non-exclusive, non-transferable, non-sublicensable, revocable license to access and use the Services solely for your personal or internal business purposes and in accordance with these Terms. This license does not include any right to: (a) copy, modify, distribute, or create derivative works of any part of the Services; (b) reverse engineer, decompile, or disassemble any software component of the Services; (c) frame, mirror, or scrape any content from the Services without authorization; (d) remove or alter any proprietary notices or branding; or (e) use the Services in any manner that exceeds the scope of this license.

19.3 Trademarks. "MultipleChat" and all related names, logos, product names, and slogans are trademarks of NLP GmbH. You may not use any MultipleChat trademark without our prior written consent. Nothing in these Terms grants you any license to use MultipleChat trademarks, whether in connection with goods, services, domain names, social media accounts, or otherwise.

19.4 Feedback. If you provide MultipleChat with any suggestions, ideas, feature requests, feedback, or other input regarding the Services ("Feedback"), you grant MultipleChat a perpetual, worldwide, royalty-free, irrevocable license to use, incorporate, and exploit that Feedback in any manner, without restriction and without compensation to you. Feedback does not constitute confidential information and MultipleChat has no obligation to keep it confidential.

20.1 Respect for Third-Party IP. You acknowledge that the Services give you powerful tools to generate content at scale, and with that capability comes significant responsibility to respect the Intellectual Property Rights of others. You must not use the Services to infringe any third-party Intellectual Property Rights, including copyright, trademark, patent, trade secret, or database rights.

20.2 AI-Generated Content and Third-Party Rights. Generated Content may, in some cases, resemble or reproduce third-party copyrighted material, particularly where User Content prompts include references to specific copyrighted works, styles, or characters. You are solely responsible for reviewing Generated Content for potential third-party IP issues before using or distributing it. MultipleChat does not screen Generated Content for third-party IP compliance and makes no warranty that Generated Content is free from third-party IP claims.

20.3 Third-Party Model IP. The AI Models accessible through the Services are the intellectual property of the relevant Third-Party AI Providers. Nothing in these Terms grants you any rights in the underlying model weights, training data, or model architecture. You may not attempt to extract, reproduce, or exploit any proprietary element of any AI Model, including through systematic querying, adversarial prompting, or other means designed to elicit or reconstruct training data or model structure.

21.1 DMCA Compliance. MultipleChat respects the Intellectual Property Rights of third parties and complies with the Digital Millennium Copyright Act (17 U.S.C. § 512). If you believe that any content accessible through the Services infringes your copyright, you may submit a written DMCA notice to [email protected] with the subject line "DMCA Copyright Infringement Notice."

21.2 DMCA Notice Requirements. A valid DMCA notice must include: (a) a physical or electronic signature of the copyright owner or authorized agent; (b) identification of the copyrighted work claimed to have been infringed; (c) identification of the allegedly infringing material and information sufficient to locate it; (d) your contact information; (e) a statement of good faith belief that the use is unauthorized; and (f) a statement, under penalty of perjury, that the information is accurate and you are authorized to act on behalf of the copyright owner.

21.3 Counter-Notices. If you believe your content has been wrongly removed in response to a DMCA notice, you may submit a counter-notice meeting the requirements of 17 U.S.C. § 512(g)(3) to [email protected].

21.4 Repeat Infringers. MultipleChat has a policy of terminating the accounts of Users who are repeat infringers of third-party copyright in accordance with the DMCA. No refund will be provided upon termination for repeat copyright infringement.

22.1 Privacy Policy. MultipleChat's collection, processing, and storage of personal data is governed by the Privacy Policy, available at multiplechat.ai/privacy, which is incorporated into these Terms by reference. By using the Services, you acknowledge and agree to the data processing described in the Privacy Policy.

22.2 Data Transmitted to Third-Party Providers. As described in Section 17.2, User Content transmitted through the Services is processed by Third-Party AI Provider APIs. This transmission is a technical necessity of providing the Services. Each Third-Party AI Provider's privacy practices are governed by their own policies. You should not submit sensitive personal data, confidential business information, medical records, financial records, or other sensitive information through the Services without understanding how it will be processed by those providers.

22.3 Data Retention. MultipleChat retains User Content, Generated Content, account data, and usage logs for periods described in the Privacy Policy. MultipleChat is not a data archive or backup service. Retention periods are limited, and data may be deleted in accordance with MultipleChat's retention policies or applicable law without notice.

22.4 GDPR and Swiss Data Protection. To the extent that the processing of personal data of Users located in the EU, EEA, Switzerland, or UK falls within the scope of the General Data Protection Regulation (EU) 2016/679, the Swiss Federal Act on Data Protection, or equivalent legislation, MultipleChat processes such data in accordance with its obligations under those laws. Relevant data subject rights are described in the Privacy Policy.

22.5 Sensitive Information. You must not submit to the Services any personal data that falls into a special or sensitive category under applicable data protection law — including health data, biometric data, data about racial or ethnic origin, political opinions, religious beliefs, sexual orientation, or criminal records — unless strictly necessary and only after reviewing the Privacy Policy and the relevant Third-Party AI Provider's data handling terms.

23.1 Security Measures. MultipleChat implements reasonable technical and organizational security measures to protect the Services and User data against unauthorized access, disclosure, alteration, and destruction. These measures include, without limitation: encryption of data in transit and at rest; access controls limiting data access to authorized personnel; monitoring and logging of system activity; and incident response procedures. However, no security measure is perfectly impenetrable, and MultipleChat does not guarantee the absolute security of the Services or your data.

23.2 Your Security Responsibilities. You are responsible for: (a) maintaining the security of your account credentials and API keys; (b) ensuring that any devices or systems you use to access the Services are appropriately secured; (c) not sharing your account credentials with unauthorized third parties; and (d) promptly notifying MultipleChat at [email protected] if you become aware of any security breach, unauthorized access, or suspicious activity involving your account.

23.3 Security Incidents. In the event of a security incident affecting User data, MultipleChat will notify affected Users as required by applicable law. MultipleChat will take reasonable steps to investigate the incident, mitigate its impact, and implement additional security measures where appropriate. MultipleChat's liability for security incidents is limited as described in Section 25.

23.4 Vulnerability Reporting. If you identify a potential security vulnerability in the Services, you agree to report it responsibly to MultipleChat at [email protected] before publicly disclosing it or exploiting it in any way. MultipleChat welcomes responsible disclosure and will work with you in good faith to investigate and resolve reported vulnerabilities. You may not probe or test the Services for vulnerabilities without MultipleChat's prior written authorization.

24.1 "As Is" and "As Available." THE SERVICES — INCLUDING ALL AI MODELS, FEATURES, TOOLS, AND OUTPUTS — ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EITHER EXPRESS OR IMPLIED. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, MULTIPLECHAT EXPRESSLY DISCLAIMS ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO: IMPLIED WARRANTIES OF MERCHANTABILITY; FITNESS FOR A PARTICULAR PURPOSE; TITLE; NON-INFRINGEMENT; ACCURACY; RELIABILITY; COMPLETENESS; TIMELINESS; AVAILABILITY; AND FREEDOM FROM VIRUSES OR OTHER HARMFUL CODE.

24.2 No Warranty on AI Outputs. MULTIPLECHAT MAKES ABSOLUTELY NO REPRESENTATION, WARRANTY, GUARANTEE, OR ASSURANCE OF ANY KIND REGARDING THE ACCURACY, RELIABILITY, COMPLETENESS, ORIGINALITY, LEGALITY, OR FITNESS FOR ANY PURPOSE OF ANY AI-GENERATED CONTENT PRODUCED THROUGH THE SERVICES. AI MODELS ARE PROBABILISTIC SYSTEMS AND THEIR OUTPUTS MAY BE INACCURATE, BIASED, INCOMPLETE, OUTDATED, OR INAPPROPRIATE. YOU RELY ON AI-GENERATED CONTENT ENTIRELY AT YOUR OWN RISK.

24.3 No Warranty on Model Availability. MULTIPLECHAT DOES NOT WARRANT THAT ANY SPECIFIC AI MODEL, MODEL VERSION, OR FEATURE WILL BE AVAILABLE AT ANY TIME. THE PLATFORM MAY FALL BACK TO ALTERNATIVE MODELS, EXPERIENCE PERIODS OF UNAVAILABILITY, OR HAVE SPECIFIC FEATURES REMOVED WITHOUT NOTICE. YOUR USE OF THE SERVICES DOES NOT GUARANTEE ACCESS TO ANY SPECIFIC AI CAPABILITY.

24.4 No Warranty on Security. MULTIPLECHAT DOES NOT WARRANT THAT THE SERVICES ARE FREE FROM SECURITY VULNERABILITIES, THAT UNAUTHORIZED THIRD PARTIES WILL NOT GAIN ACCESS TO YOUR USER CONTENT OR ACCOUNT DATA, OR THAT ANY SECURITY MEASURES IMPLEMENTED BY MULTIPLECHAT WILL PREVENT ALL UNAUTHORIZED ACCESS OR DATA BREACHES.

24.5 Preservation of Statutory Rights. Nothing in these disclaimers is intended to exclude or limit any right or remedy you may have under applicable mandatory consumer protection law that cannot be excluded or limited by contract. Where such mandatory rights apply, they supplement (but do not expand beyond) the minimum required by law.

25.1 Exclusion of Consequential Damages. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, IN NO EVENT SHALL MULTIPLECHAT, NLP GMBH, OR THEIR RESPECTIVE DIRECTORS, OFFICERS, EMPLOYEES, AGENTS, LICENSORS, OR SUPPLIERS BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, EXEMPLARY, OR PUNITIVE DAMAGES OF ANY KIND, INCLUDING BUT NOT LIMITED TO: LOSS OF PROFITS OR REVENUE; LOSS OF DATA OR CONTENT; LOSS OF BUSINESS, CONTRACTS, OR OPPORTUNITIES; LOSS OF GOODWILL OR REPUTATION; BUSINESS INTERRUPTION; COST OF SUBSTITUTE SERVICES; OR ANY OTHER INTANGIBLE LOSSES — REGARDLESS OF WHETHER SUCH DAMAGES WERE FORESEEABLE AND WHETHER MULTIPLECHAT WAS ADVISED OF THEIR POSSIBILITY, AND REGARDLESS OF THE LEGAL THEORY ON WHICH THE CLAIM IS BASED (CONTRACT, TORT, STRICT LIABILITY, OR OTHERWISE).

25.2 Cap on Total Liability. TO THE FULLEST EXTENT PERMITTED BY APPLICABLE LAW, MULTIPLECHAT'S TOTAL AGGREGATE LIABILITY TO YOU FOR ALL CLAIMS ARISING OUT OF OR IN CONNECTION WITH THE SERVICES, THESE TERMS, OR THE AGREEMENT — REGARDLESS OF THE FORM OR BASIS OF THE CLAIM — SHALL NOT EXCEED THE GREATER OF: (A) THE TOTAL SUBSCRIPTION FEES PAID BY YOU TO MULTIPLECHAT IN THE THREE (3) CALENDAR MONTHS IMMEDIATELY PRECEDING THE EVENT GIVING RISE TO THE CLAIM; OR (B) ONE HUNDRED SWISS FRANCS (CHF 100).

25.3 Specific Exclusions. Without limiting the generality of Sections 25.1 and 25.2, MultipleChat is not liable for: (a) any harm arising from your reliance on AI-generated content, including inaccuracies, hallucinations, or inappropriate outputs; (b) any harm arising from service interruptions, outages, or degraded performance; (c) any harm arising from Third-Party AI Provider actions, outages, or changes to their services; (d) any unauthorized access to your account or User Content; (e) any loss of User Content or Generated Content following cancellation or account deletion; or (f) any harm arising from your violation of these Terms.

25.4 Basis of the Bargain. You acknowledge that the limitations of liability in this Section reflect a reasonable allocation of risk between the parties and that MultipleChat would not have entered into these Terms or provided the Services without these limitations. The pricing of the Services reflects these limitations.

25.5 Mandatory Liability. Nothing in this Section excludes or limits MultipleChat's liability: (a) for death or personal injury caused by MultipleChat's gross negligence or wilful misconduct; (b) for fraud or fraudulent misrepresentation; or (c) for any other liability that cannot be excluded or limited under applicable mandatory law. Where any limitation in this Section is void or unenforceable under applicable law, it shall be modified to the minimum extent necessary to make it valid and enforceable.

26.1 Your Indemnification Obligation. To the fullest extent permitted by applicable law, you agree to indemnify, defend, and hold harmless MultipleChat, NLP GmbH, and their respective directors, officers, employees, agents, affiliates, licensors, and successors (collectively, "MultipleChat Parties") from and against all claims, demands, proceedings, losses, damages, liabilities, costs, and expenses (including reasonable legal fees) arising out of or relating to: (a) your access to or use of the Services; (b) your User Content; (c) your violation of these Terms, the Acceptable Use Policy, the Refund Policy, or any other policy; (d) your violation of any third-party rights, including Intellectual Property Rights, privacy rights, or contractual rights; (e) your violation of any applicable law or regulation; (f) your use or distribution of Generated Content; (g) any claim by a third party that your use of the Services caused them harm; or (h) any fraudulent refund request or chargeback initiated by you in bad faith.

26.2 Indemnification Procedure. MultipleChat will promptly notify you of any claim for which indemnification is sought. You will cooperate fully with MultipleChat in defending such claim. MultipleChat reserves the right, at its own expense, to assume the exclusive defense and control of any matter subject to indemnification by you. You may not settle any claim that imposes any obligation, restriction, or liability on any MultipleChat Party without MultipleChat's prior written consent.

26.3 Survival. Your indemnification obligations survive termination or expiration of your account and these Terms.

27.1 Termination for Cause. MultipleChat may immediately suspend or permanently terminate your account and your access to the Services, without notice and without refund, for any of the following reasons: (a) violation of any provision of these Terms, the Acceptable Use Policy, the Refund Policy, or any other applicable policy; (b) violation of any applicable law in connection with your use of the Services; (c) any conduct that, in MultipleChat's reasonable judgment, poses a risk to the security, integrity, or reputation of the Services; (d) any fraudulent, abusive, or manipulative conduct, including fraudulent refund requests and abusive chargebacks; (e) failure to complete required identity verification; (f) violation of any Third-Party AI Provider's terms of service in connection with your use of the Services; (g) creation of multiple accounts in violation of these Terms; (h) non-payment of any Subscription Fee; or (i) any other conduct that MultipleChat reasonably determines warrants account termination.

27.2 Termination Without Cause. MultipleChat reserves the right to suspend or terminate any account at any time and for any reason, including for business, operational, or strategic reasons unrelated to any User conduct. In the event of termination without cause of a paid account, MultipleChat may offer a pro-rated refund for the unexpired portion of the current Billing Cycle at its discretion. This is the only circumstance in which a pro-rated refund may be considered.

27.3 Effect of Termination. Upon termination: (a) your right to access and use the Services ceases immediately; (b) any active Subscription is cancelled; (c) MultipleChat may delete your account data in accordance with the Privacy Policy; (d) provisions of these Terms that by their nature should survive termination — including Section 13 (User Content), Section 19 (Intellectual Property), Section 24 (Disclaimers), Section 25 (Limitation of Liability), Section 26 (Indemnification), Section 31 (Dispute Resolution), and Section 33 (Governing Law) — continue in full force and effect.

27.4 Permanent Bans. In cases of serious, repeated, or egregious violations — including but not limited to child safety violations, fraud, multiple fraudulent chargebacks, repeat abuse of free tiers, and identity fraud — MultipleChat reserves the right to impose a permanent ban preventing you from creating any new account on any MultipleChat platform. Attempting to circumvent a permanent ban by registering under a different identity is a further violation of these Terms.

28.1 Restricted Persons and Jurisdictions. The Services may not be accessed or used by: (a) any person or entity located in, a national of, or ordinarily resident in any country or territory subject to comprehensive trade sanctions or embargoes imposed by Switzerland, the European Union, the United States (including OFAC), the United Nations, or any other applicable sanctions authority; (b) any person or entity listed on the US Treasury Department's OFAC Specially Designated Nationals and Blocked Persons List, the EU Consolidated Sanctions List, the Swiss SECO sanctions list, or any equivalent restricted party list; or (c) any person or entity otherwise prohibited from receiving services from Swiss-incorporated companies under applicable export control or sanctions law.

28.2 Representations and Warranties. By using the Services, you represent and warrant on a continuous basis that: (a) you are not a person or entity described in Section 28.1; (b) you will not use the Services in any manner that violates any applicable export control law or sanctions regime; and (c) you will promptly notify MultipleChat if your sanctions status changes or if you become aware that your access to the Services may be prohibited.

28.3 Consequences of Violations. If MultipleChat determines or reasonably believes that you are in violation of this Section, your account will be immediately terminated without notice and without refund. MultipleChat reserves the right to report the matter to relevant governmental and regulatory authorities and to share relevant account information with those authorities as required by law.

29.1 Nature of Beta Features. MultipleChat may from time to time make available features designated as "beta," "experimental," "preview," "early access," or similar — indicating that the feature is not yet fully developed, tested, or stable. Such features may be incomplete, may change without notice, may be discontinued at any time, may behave unexpectedly, and are not subject to any service level commitment.

29.2 Use at Own Risk. Beta and experimental features are provided "as-is" without any warranty. You use them entirely at your own risk. Issues arising from beta features — including data loss, errors, bugs, or unexpected behavior — do not entitle you to any refund, credit, or compensation.

29.3 Feedback on Beta Features. MultipleChat may request feedback on beta features. Any feedback you provide is covered by Section 19.4 of these Terms and may be used by MultipleChat without restriction or compensation.

30.1 Modifications to the Services. MultipleChat reserves the right to modify, update, add to, remove from, or discontinue any aspect of the Services at any time, with or without notice, including: adding or removing AI Models; changing feature availability by subscription tier; updating the user interface; modifying pricing; implementing new security measures; or migrating to new infrastructure. MultipleChat is under no obligation to maintain any feature, model, or capability indefinitely.

30.2 Modifications to These Terms. MultipleChat may modify these Terms at any time. For material modifications — meaning changes that materially and adversely affect your rights — MultipleChat will provide notice by email to your registered address and/or by posting a notice on the platform at least 14 days before the modification takes effect. For non-material modifications, the updated Terms will be posted on the website and become effective immediately. The "Last Updated" date at the top of this document reflects the most recent modification date.

30.3 Effect of Continued Use. Your continued use of the Services after the effective date of any modification to these Terms constitutes your acceptance of the modified Terms. If you do not accept a modification, you must stop using the Services and cancel your Subscription before the modification's effective date. Fees paid for Billing Cycles already underway at the time of your cancellation are subject to the Refund Policy.

30.4 Price Changes. MultipleChat may change Subscription Fees at any time. Price changes will take effect at the start of the next Billing Cycle following at least 14 days' notice. Your continued subscription after a price change constitutes acceptance of the new price. If you do not accept the new price, you must cancel your Subscription before the next Billing Cycle.

31.1 Mandatory Pre-Dispute Notice. Before initiating any formal legal proceeding, arbitration, or external complaint, you must: (a) send written notice of the dispute to MultipleChat at [email protected], specifying the nature of the dispute, the amount at issue (if applicable), and the resolution you are seeking; and (b) allow MultipleChat 30 calendar days from receipt of your notice to attempt to resolve the dispute informally. This pre-dispute notice requirement is a condition precedent to formal proceedings. Failure to comply may result in dismissal of your claim for procedural non-compliance.

31.2 Binding Arbitration. If the dispute cannot be resolved informally, it shall be finally and exclusively resolved by binding arbitration conducted under the Swiss Rules of International Arbitration of the Swiss Arbitration Centre (the "Swiss Rules"), as in force at the time the request for arbitration is filed. The seat of arbitration shall be Zurich, Switzerland. The language of the arbitration shall be English. The number of arbitrators shall be one (1) for disputes involving amounts less than CHF 100,000 and three (3) for disputes involving amounts of CHF 100,000 or more. The arbitral award shall be final and binding on both parties and may be enforced in any court of competent jurisdiction.

31.3 Exceptions to Arbitration. Notwithstanding Section 31.2, either party may seek: (a) interim injunctive or emergency relief from any court of competent jurisdiction to prevent irreparable harm pending the outcome of arbitration; (b) enforcement of an arbitral award; or (c) any other relief that applicable law requires be sought through court proceedings rather than arbitration.

31.4 Small Claims. Either party may bring an individual claim before a small claims court or equivalent local tribunal of competent jurisdiction, provided the claim is within that court's jurisdictional limits and is not aggregated with any other claims.

31.5 Time Limitation on Claims. Any claim arising out of or relating to these Terms or the Services must be brought within six (6) months of the date the relevant event giving rise to the claim occurred. Any claim not brought within this limitation period is permanently barred, regardless of any statute of limitations that might otherwise apply. This time limitation does not apply where mandatory applicable law provides for a longer limitation period that cannot be shortened by contract.

32.1 Individual Claims Only. TO THE MAXIMUM EXTENT PERMITTED BY APPLICABLE LAW, YOU AGREE THAT ANY DISPUTE RESOLUTION PROCEEDING — WHETHER THROUGH ARBITRATION, COURT PROCEEDINGS, OR ANY OTHER MECHANISM — WILL BE CONDUCTED ONLY ON AN INDIVIDUAL BASIS AND NOT AS A CLASS ACTION, COLLECTIVE ACTION, CONSOLIDATED PROCEEDING, REPRESENTATIVE ACTION, OR PRIVATE ATTORNEY GENERAL ACTION. YOU EXPRESSLY WAIVE ANY RIGHT TO PARTICIPATE IN, INITIATE, OR BENEFIT FROM ANY CLASS ACTION, CLASS-WIDE ARBITRATION, OR ANY PROCEEDING IN WHICH CLAIMS OF MULTIPLE USERS ARE AGGREGATED OR CONSOLIDATED.

32.2 Severability of Waiver. If the class action waiver in Section 32.1 is found unenforceable in a particular case by a court or arbitrator, the claim in question shall be resolved through court proceedings rather than arbitration, and the waiver shall be severed only to the minimum extent necessary. All other provisions of these Terms shall remain in full force and effect.

33.1 Governing Law. These Terms, the Agreement, and any non-contractual obligations arising out of or in connection with them shall be governed by and construed in accordance with the substantive laws of Switzerland, including in particular the Swiss Code of Obligations (Obligationenrecht), without regard to any conflict of laws principles that would cause the law of any other jurisdiction to apply. The United Nations Convention on Contracts for the International Sale of Goods (CISG) is expressly excluded from application to these Terms.

33.2 Exclusive Jurisdiction. Subject to Section 31 (Dispute Resolution and Arbitration), each party irrevocably submits to the exclusive jurisdiction of the courts of the Canton of Zurich, Switzerland, for the resolution of any dispute arising out of or in connection with these Terms or the Services that is not resolved through arbitration. Each party irrevocably waives any objection to the exercise of that jurisdiction, including any objection that proceedings have been brought in an inconvenient forum.

33.3 Mandatory Local Law. Nothing in this Section is intended to exclude or limit any mandatory consumer protection rights available to Users under the law of their country of habitual residence that cannot lawfully be excluded by contract. Where such mandatory provisions apply, they supplement and coexist with (and do not replace) the provisions of these Terms to the minimum extent required by law.

34.1 Entire Agreement. These Terms, together with the Refund Policy, the Privacy Policy, and any other policies expressly incorporated by reference, constitute the entire agreement between you and MultipleChat with respect to the Services and supersede all prior and contemporaneous agreements, understandings, representations, and communications of any kind relating to the same subject matter.

34.2 Severability. If any provision of these Terms is found by any court, arbitrator, or competent authority to be invalid, unlawful, or unenforceable, that provision shall be severed from the remainder of the Terms to the minimum extent necessary to make them valid and enforceable. The remaining provisions shall continue in full force and effect. The parties shall negotiate in good faith to replace any severed provision with a lawful provision that achieves the same commercial and legal effect to the greatest extent possible.

34.3 Waiver. MultipleChat's failure to enforce any right or provision of these Terms on any occasion does not constitute a waiver of that right or provision on any other occasion and does not prevent MultipleChat from enforcing it in the future. No waiver of any provision shall be effective unless made in writing and signed by an authorized officer of NLP GmbH.

34.4 Assignment. You may not assign, transfer, or delegate any of your rights or obligations under these Terms to any third party without MultipleChat's prior written consent. Any purported assignment in violation of this provision is void. MultipleChat may freely assign or transfer its rights and obligations under these Terms — including in connection with a merger, acquisition, corporate restructuring, or sale of all or substantially all of its assets — without restriction and without your consent.

34.5 Force Majeure. MultipleChat shall not be in breach of these Terms, and shall not be liable for any failure or delay in performance, to the extent that such failure or delay is caused by a Force Majeure Event. MultipleChat will use commercially reasonable efforts to resume performance as soon as practicable following a Force Majeure Event and will communicate with Users about the expected duration and nature of any service disruption.

34.6 Relationship of the Parties. The relationship between you and MultipleChat is that of independent contracting parties. Nothing in these Terms creates or implies any partnership, joint venture, employment, agency, franchise, or fiduciary relationship between the parties. You have no authority to act on behalf of MultipleChat in any capacity, and MultipleChat has no authority to act on your behalf.

34.7 Notices. MultipleChat may provide notices to you via email to the address associated with your account, through in-platform notifications, or by posting on the MultipleChat website. Email notices are deemed received 24 hours after sending. Notices posted on the website are deemed received when posted. You may provide notices to MultipleChat by email to [email protected]. You are responsible for ensuring your registered email address is current and capable of receiving communications from MultipleChat.

34.8 Language. These Terms are written in English. Any translation of these Terms provided for convenience purposes is not legally binding. In the event of any inconsistency between the English version and a translated version, the English version shall prevail in all respects.

34.9 No Third-Party Beneficiaries. These Terms are made exclusively for the benefit of MultipleChat and you. They do not create any rights in, or obligations to, any third party, and no third party is entitled to enforce any provision of these Terms.

34.10 Cumulative Rights. The rights and remedies of MultipleChat under these Terms are cumulative and not alternative. MultipleChat's exercise of one right or remedy does not preclude the exercise of any other right or remedy available at law, in equity, or under these Terms.

34.11 Headings. The headings in these Terms are included for convenience of reference only and shall not affect the construction or interpretation of any provision.

General inquiries and support: [email protected]

Refund requests: [email protected] — Subject: "REFUND REQUEST — [account email] — [transaction ID]"

Legal and compliance inquiries: [email protected] — Subject: "LEGAL INQUIRY"

DMCA copyright notices: [email protected] — Subject: "DMCA Copyright Infringement Notice"

Security vulnerabilities: [email protected] — Subject: "SECURITY DISCLOSURE"

Pre-dispute notices (Section 31.1): [email protected] — Subject: "PRE-DISPUTE NOTICE"

Registered company: NLP GmbH, Zurich, Switzerland

Platform: multiplechat.ai  |  chat.multiple.chat

Response times: We aim to respond to all inquiries within 3 business days. During peak periods, response times may be longer. We do not offer telephone support.