Terms of Service

1. Acceptance of Terms

By accessing or using MyBiz.DIY (“the Service,” “Platform,” or “we”), you agree to be bound by these Terms of Service (“Terms”). If you disagree with any part of these terms, you may not access the Service.

These Terms constitute a legally binding agreement between you and MyBiz.DIY regarding your use of our AI-powered business feasibility analysis platform that provides multi-AI validation with government API integration.

2. Description of Service

MyBiz.DIY provides AI-powered business feasibility analysis services, including but not limited to:

• Multi-AI business analysis using Claude Sonnet 4, GPT-4, and Gemini Pro
• Real-time government API integration for regulatory data
• Comprehensive feasibility scoring (market, financial, regulatory, execution)
• Market intelligence and opportunity assessment
• Location-specific business insights and recommendations
• Step-by-step business launch guidance
• Free tier (3 analyses/day) and Pro subscription services
• Multi-language support (English, Spanish, Hindi, Tagalog)

3. User Accounts and Registration

3.1 Account Creation (Optional)

• Free Tier: No registration required for basic usage (3 analyses/day)
• Pro Tier: Account required for unlimited access and advanced features
• You must provide accurate information when creating an account
• You are responsible for maintaining account security and confidentiality
• You must be at least 18 years old to create an account
• One person or entity may not maintain multiple accounts

3.2 Account Responsibilities

• You are responsible for all activities that occur under your account
• Notify us immediately of any unauthorized use of your account
• We are not liable for any loss or damage from unauthorized account access

4. Acceptable Use Policy

4.1 Permitted Uses

• Legitimate business planning and setup activities
• Seeking regulatory compliance information and guidance
• Market research and competitive analysis for legal business purposes
• Educational and informational use of platform resources

4.2 Prohibited Uses

• Illegal activities or promotion of illegal business practices
• Fraudulent, deceptive, or misleading activities
• Violation of intellectual property rights
• Harassment, abuse, or harmful behavior toward other users
• Attempt to reverse engineer, hack, or compromise platform security
• Automated scraping or data extraction without permission
• Spamming, phishing, or other malicious activities
• Use for money laundering, terrorist financing, or other financial crimes

5. AI Services and Limitations

5.1 AI-Generated Content

• Our AI provides guidance based on available data and algorithms
• AI recommendations are not guaranteed to be accurate or complete
• You should verify all information with official sources
• AI outputs may contain errors, omissions, or outdated information

5.2 Not Professional Advice

6. Intellectual Property Rights

6.1 Our Intellectual Property

• MyBiz.DIY platform, software, and technology are our proprietary property
• All trademarks, logos, and brand names are our property
• You may not copy, modify, or distribute our intellectual property
• Limited license granted for personal, non-commercial use of the platform

6.2 Your Content

• You retain ownership of content you submit to the platform
• You grant us license to use your content to provide our services
• You represent that you have rights to all content you submit
• You will not submit content that infringes third-party rights

7. Payment Terms and Billing

7.1 Subscription Fees

• Subscription fees are billed in advance on a recurring basis
• All fees are non-refundable except as required by law
• We may change pricing with 30 days advance notice
• Taxes are your responsibility unless otherwise specified

7.2 Payment Processing

• Payments processed by third-party providers (Stripe, PayPal)
• You authorize automatic charges to your payment method
• Failed payments may result in service suspension
• Update payment information to avoid service interruption

8. Privacy and Data Protection

Your privacy is important to us. Our collection, use, and disclosure of personal information is governed by our Privacy Policy, which is incorporated into these Terms by reference.

• We comply with GDPR, CCPA, and other applicable privacy laws
• You have rights regarding your personal data
• We implement security measures to protect your information
• Third-party integrations have their own privacy policies

9. Disclaimers and Limitations

9.1 Service Disclaimers

9.2 Limitation of Liability

10. Indemnification

You agree to indemnify, defend, and hold harmless MyBiz.DIY and its officers, directors, employees, and agents from any claims, damages, obligations, losses, liabilities, costs, or debt arising from:

• Your use of the Service
• Your violation of these Terms
• Your violation of any third-party rights
• Any content you submit or share through the Service

11. Termination

11.1 Termination by You

• You may terminate your account at any time through account settings
• Termination does not entitle you to refunds
• Your data will be handled according to our Privacy Policy

11.2 Termination by Us

• We may terminate or suspend accounts for Terms violations
• We may terminate accounts for non-payment
• We may discontinue the Service with reasonable notice
• Effect of termination includes loss of access to content and data

12. Dispute Resolution

12.1 Governing Law

These Terms are governed by the laws of the State of California, United States, without regard to conflict of law principles.

12.2 Arbitration

Any disputes arising under these Terms will be resolved through binding arbitration in accordance with the Commercial Arbitration Rules of the American Arbitration Association. The arbitration will be conducted in San Francisco, California.

12.3 Class Action Waiver

You agree that disputes will be resolved on an individual basis and waive any right to participate in class action lawsuits or class-wide arbitrations.

13. International Use and Compliance

• Service available globally but subject to local laws and regulations
• You are responsible for compliance with local laws in your jurisdiction
• Some features may not be available in all countries
• Government restrictions may limit service availability
• Export control laws may apply to certain features or data

14. Changes to Terms

We reserve the right to update these Terms at any time. Material changes will be communicated through email or platform notification at least 30 days in advance. Continued use of the Service after changes constitutes acceptance of new Terms.

15. Severability and Waiver

• If any provision of these Terms is invalid, the remainder remains in effect
• Our failure to enforce any term does not waive our right to enforce it later
• These Terms constitute the entire agreement between you and MyBiz.DIY

16. Contact Information